市場調查報告書
商品編碼
1479981
小額信貸市場評估:依機構類型、產業、目的、最終用戶和地區劃分的機會和預測(2017-2031)Microfinance Market Assessment, By Institution Type, By Industry and Purpose, By End-user, By Region, Opportunities and Forecast, 2017-2031F |
全球小額信貸市場規模預計將從 2023 年的 2,525.3 億美元成長到 2031 年的 6,257 億美元,2024-2031 年預測期間複合年增長率為 12.01%。
小額信貸市場是金融業的重要組成部分,面向特定客戶和借款人。全球小額信貸市場對於向服務不足和經濟上被排斥的人群(特別是新興經濟體)提供金融服務至關重要。
數位轉型:
數位轉型正在徹底改變全球小額信貸市場,使小額信貸機構 (MFI) 和其他進入者能夠提高營運效率、擴大覆蓋範圍並向服務不足的人群提供融資,從而實現更大的包容性。全球小額信貸市場及其產品和服務的數位轉型引人注目。數位科技對全球小額信貸市場產生了重大影響,改變了貸款申請、處理和服務的方式。透過採用數位技術,可以重組傳統的小額信貸實踐,轉變服務交付方式,並為客戶提供創新的金融解決方案。
重視女性賦權:
婦女賦權是全球小額信貸市場變革的主要焦點和力量,因為它對個人、家庭和社區產生積極的社會和經濟影響。為了世界經濟的成長,婦女參與勞動市場是必要的。許多機構和政府以某種方式促進婦女參與勞動市場,小額信貸機構在為婦女小型企業融資方面發揮著至關重要的作用。
金融包容性與解決未滿足的需求:
金融包容性和解決未滿足的需求是全球小額信貸市場的基本驅動力。小額信貸機構在擴大金融包容性方面發揮著重要作用,特別關注因各種社會、地理和其他因素而被排除在傳統銀行體系之外的人和個人。小額信貸機構充當橋樑,提供適合邊緣社區、農村人口和低收入家庭需求的金融產品。
本報告調查了全球小額信貸市場,並提供了市場定義和概述、市場規模趨勢和預測、各個細分市場、地區和主要國家的詳細分析、行業結構以及影響市場成長的因素分析、案例研究、競爭格局、主要公司的簡介等等。
Global microfinance market is projected to witness a CAGR of 12.01% during the forecast period 2024-2031, growing from USD 252.53 billion in 2023 to USD 625.7 billion in 2031. The microfinance market is an important component of the financing industry catering to a specific set of customers or borrowers. The global microfinance market is crucial in providing financial services to underserved and financially excluded populations, particularly in developing economies.
Microfinance institutions (MFIs) and organizations specialize in offering small-scale financial products and services, including microloans, savings accounts, insurance, and payment services, to low-income individuals and micro-entrepreneurs who lack access to traditional banking services. The global microfinance market represents a transformative approach to financial inclusion and poverty alleviation, providing essential financial services to underserved individuals and micro-entrepreneurs in both rural and urban areas worldwide.
Microfinance institutions (MFIs) are pivotal in empowering low-income populations by offering microloans, savings accounts, insurance, and other tailored financial solutions. The market catalyzes economic development, enabling individuals to start or expand small businesses, generate income, and improve their livelihoods. At the heart of the global microfinance market is the principle of democratizing access to finance, particularly for those excluded from traditional banking systems due to limited collateral, credit history, or geographic isolation. By leveraging innovative approaches and technology, MFIs bridge the gap between financial services and marginalized communities, fostering resilience and economic self-sufficiency. Despite regulatory constraints and economic uncertainties, the global microfinance market remains resilient, driven by a shared commitment to social impact and sustainable development. As the market matures and diversifies its offerings, it holds promise for driving inclusive growth and building more equitable societies where financial services are accessible to all, regardless of socioeconomic status or geographic location.
Digital Transformation
Digital Transformation is revolutionizing the global microfinance market, enabling microfinance institutions (MFIs) and other market players in microfinance to enhance operational efficiency, expand outreach, and improve financial inclusion for underserved populations. The digital transformation of the global microfinance market and its products and services is tremendous. It has profoundly impacted the global microfinance market, revolutionizing how loans are applied, processed, and serviced. Adopting digital technologies reshapes traditional microfinance practices, transforms service delivery, and empowers clients with innovative financial solutions.
Digital transformation enables MFIs to reach clients in remote and underserved areas through mobile banking, agent banking, and online platforms. Clients can access financial services conveniently using smartphones, reducing barriers to entry and improving overall accessibility. Fintech startups are partnering with MFIs to develop innovative solutions such as peer-to-peer lending platforms, mobile wallets, and digital credit scoring tools. These technologies enable MFIs to expand their product offerings, improve customer experiences, and automate loan processing.
In January 2024, Ebdaa Bahrain Microfinance Company has struck a cooperation agreement with MFSYS Technologies Limited, a global provider of banking automation and digital software solutions tailored to the microfinance and banking industries. The goal is to fully digitize all banking services provided by the company to individuals and SME owners, marking a significant step towards strengthening its digital transformation strategy, delivering innovative, seamless banking services, and improving the overall digital experience for the company's customers.
Focus on Women's Empowerment
Women empowerment is a major focus and a transformative force within the global microfinance market, driving positive social and economic outcomes for individuals, families, and communities. For the growth of global economy, the inclusion of women is necessary in the workforce and in one way or another many institutions and governments are promoting women to join the workforce and such that the MFIs play a pivotal role by providing finances to women for their small and micro businesses.
Microfinance facilitates access to capital and funds for women entrepreneurs and borrowers lacking collateral or formal credit history or scores. MFIs offer microloans, savings accounts, and insurance products tailored to women's needs, enabling them to start or expand small businesses and improve their economic status and empower them to be an entrepreneur and earn income and livelihoods. Women-led businesses supported by microfinance contribute to economic growth, job creation, and community poverty reduction. Access to financial resources empowers women to make independent financial decisions, invest in education, and healthcare, and secure their families' futures. Economic empowerment enhances women's self-esteem, agency, and leadership within households and communities.
As of FY2023, Fusion Microfinance, which operates under the Joint Liability Model, had issued loans to almost 36 lakh women across India. MFIs in India have played a significant role in the provision of modest credit, particularly to underserved communities with no collateral.
Financial Inclusion and Addressing Unmet Demand
Financial inclusion and addressing unmet demands are the fundamental drivers of global microfinance market. MFIs play a key role in the expansion of financial inclusion, especially the people or individuals who are excluded from the traditional banking system due to various factors, be it social or geographical. MFIs serve as a bridge, reaching marginalized communities, rural populations, and low-income households with tailored financial products. Certain initiatives aim to provide accessibility to essential financial services such as credit and savings.
Microfinance empowers underserved populations, including women, rural communities, smallholder farmers, and informal sector workers, by providing them with the tools and resources needed to improve their economic well-being. Access to micro-loans and savings accounts enables individuals to invest in income-generating activities and building financial resilience. Due to stringent policies and processes of banks and other financial institutions, there is a huge chunk of the population for whom credit availability is limited or inaccessible, irrespective of the rate of interest.
Future Market Scenario (2024 - 2031F)
The ongoing digital transformation will continue to drive innovation in global microfinance market. Fintech companies will leverage technology to enhance customer experiences, streamline loan processes, and offer personalized products tailored to individual borrower profiles.
Mobile and agent banking services will be critical in expanding financial inclusion, particularly in underserved rural areas. Mobile money platforms will facilitate cashless transactions, loan disbursements, and savings mobilization, improving access to financial services for marginalized communities.
MFIs will increasingly leverage data analytics and alternative credit scoring models to assess creditworthiness and expand access to credit for individuals without traditional credit histories. Big data will enable more accurate risk assessment and personalized financial solutions.
Key Players Landscape and Outlook
The outlook for global microfinance market is highly positive. The market is expected to continue to grow and expand in the coming years. Increasing consumer demand for finances among consumers of various demographics and diverse industries is expected to fuel the market growth. Continued digital transformation and adoption of fintech solutions will enhance the accessibility and efficiency of microfinance, attracting tech-savvy borrowers. Financial institutions like banks, MFIs, NBFCs, fintech companies, and peer-to-peer lending platforms will incorporate more advanced technologies like AI and ML in the coming years. As a major chunk of the population in the developing regions of Asia and Africa will be exposed to digitization and urbanization, they will adapt to online banking system and will further push the market growth.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work