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Cover SlideMonth Year

April 2014

@womensworldbnkg

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5

Women’s World Banking’s Global Footprint30+ years being the largest network in microfinance

19 million active clients

75% women

Women’s World Banking is also working with partners in Malawi, Nigeria, Tanzania, and Cambodia

39 institutions

$6.9 billion in outstanding loan portfolio $4.4 billion in deposits

3Source: World Bank FINDEX databaseNotes: Map shows % women with account at a formal institution, 2011. Data points show total population 2010 and regional averages for % women who have accounts at formal financial institutions and % of women who accessed a loan from a formal financial institution within the last year, using 2011 data.

MENA:

Population 0.3B

Sub-Saharan Africa:

Population 0.9B

South Asia:

Population 1.6B

LATC:

Population 0.6B

Eastern Europe, Central Asia:

Population 0.4B

East Asia and Pacific:

Population 2.0B

40%7%

12% 4%52%

8%

25%8%

21%4%

35%7%

% women with an account at formal financial institutionOECD avg.=89%

% women accessed a formal loanOECD avg.=12%

Regional data key:

The gap in access to finance for women globally

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Incubate & PilotSolutions based on listening to clients

ScaleResearchDesign and test innovations, while providing appropriate financial education

Maximize outreach to women

Women’s World Banking’s approach

Strengthening Internal Systems

Expanding Marketing Capability

Staff Training

Demonstrate the business case for investing in women

Prove

Build capacity to support innovation

LeadershipShare lessons learned and best practices with network and facilitate peer learning

Dissemination of KnowledgeExpand and improve the collection of gender-based financial and social performance indicators

Gender Performance Initiative

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Women’s World Banking develops innovative financial products to meet the dynamic needs throughout a woman’s life

Expanding Financial Access

MarriageStart a business

ChildbirthEducation

Home ownershipHealth

Children’s education and marriageSupported by family

Credit (C) Insurance (I) Savings (S)

YOUTH

LATE ADULTHOOD ADULTHOOD

YOUNG ADULT

S C

S I S C I

S C I

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Example of our work -- rural credit in Latin America

Findings Men and women in rural families (and loan officers)

underestimate women’s contribution to the household income. Loan officers might not even analyze a women’s income as

part of the loan assessment.

Implications Women are excluded as customers and a significant portion

of the family income is disregarded. There is increased credit risk in relying on the income from

one large harvest for repayment and not taking into account the steady cash flow of women’s activities.

Solutions Modify existing credit methodologies to measure the entire family

income growth potential. Allow multiple loans per household. Train staff to see women as viable and valuable clients. Raise awareness of women’s contributions. Create multiple loan products for different needs (livestock,

machinery, artisan).

ColombiaFundacion delamujer50% of disbursed loans were to women, 50% of total disbursed loans were to new women clients

ParaguayInterfisa Financiera32% of disbursed loans were to women, 36% of total disbursed loans were to new women clients

PeruCaja Arequipa67% of disbursed loans were to women, 70% of total disbursed loans were to new women clients

Project Outcomes:

As of February 2014, 44,073 loans have been disbursed to clients, 46% of whom are women. A little less than half of the clients who have received a loan are new clients, i.e., they have never before received a loan from these

institutions – and likely had never received a loan, from any formal financial institution.