Showing results for "group lending"
Approaches to financing must undergo a radical shift. They must move from penalizing the vulnerable to financing their resilience if they are to safeguard our land and financial systems from the effects of climate change.
MSC’s work shows that climate shocks hurt MSMEs and low-income households and simultaneously increase risks for lenders. This is despite the presence of existing financial systems that already reach millions. In this blog, we examine how to unlock private capital and scale adaptation finance today by redesigning products for today’s climate realities.
In this blog, we chart Masum’s journey, which shows how climate disasters repeatedly push families into survival mode and force them to rely on savings, loans, and informal credit. MSC’s work highlights that Bangladesh needs early, preventive, and better-designed finance to bolster the resilience of vulnerable households after climate shocks.
MSC highlights how the integration of self-help group (SHG) records with India’s Account Aggregator framework can make women financially visible. This integration unlocks access to credit, insurance, and investments, and advances inclusive growth through data-driven, performance-based financial empowerment.
Microfinance institutions, once the backbone of financial inclusion, face mounting defaults, inefficiencies, and customer distrust. With portfolios shrinking and losses rising, survival depends on embracing a digital-first transformation. This means reimagining processes, not merely digitizing them enhancing customer experience, cutting costs, and leveraging real-time insights while retaining community roots. Regulators, technology providers, and MFIs must act now to build customer-centric, resilient models before irrelevance overtakes the sector.
India’s digital boom hides a silent threat: dark patterns. These manipulative designs trick users into hidden fees, data grabs, and unfair choices. Tackling them needs stronger regulation, ethical product design, third-party audits, and empowered users. India can lead globally by building a digital ecosystem that is fast, fair, and trusted.