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Financial Inclusion at the Bottom of the Pyramid

2015 Business & Economics
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Release : 2015
Genre : Business & Economics
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Book Rating : 521/5 ( reviews)

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Book Synopsis Financial Inclusion at the Bottom of the Pyramid by : Carol Realini

Download or read book Financial Inclusion at the Bottom of the Pyramid written by Carol Realini . This book was released on 2015. Available in PDF, EPUB and Kindle. Book excerpt: As incredible as it may seem in this hyper-connected, technologically advanced era, half the planet's population exist as "Financial nomads"-those who nourish and shelter themselves without using traditional banking services. While the wealthy live at the top of a metaphorical pyramid, taking financial security and banking services for granted, there are billions of people who struggle at the pyramid's base in an exhausting state of financial exclusion and insecurity. Times are changing rapidly, but despite global uncertainty, technology has the capacity to reach and equip people in all walks of life. Advances in communications have reconfigured the ease with which we interact with our money-and these advances can provide innovative financial services to the unbanked and underserved around the world. Financial inclusion for all is indeed within our reach, and with this conviction, authors Karl Mehta and Carol Realini propose a vision for a better world and a blueprint to get there....

What Drives Financial Inclusion at the Bottom of the Pyramid? Empirical Evidence from Microfinance Panel Data

2015
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Release : 2015
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Book Synopsis What Drives Financial Inclusion at the Bottom of the Pyramid? Empirical Evidence from Microfinance Panel Data by : Catalina Martínez Gutiérrez

Download or read book What Drives Financial Inclusion at the Bottom of the Pyramid? Empirical Evidence from Microfinance Panel Data written by Catalina Martínez Gutiérrez. This book was released on 2015. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance has played a key role in including the poor in financial markets. This paper uses microfinance data to approximate financial inclusion in the poorer segments of the population and proposes a quantile regression approach to study the development of microfinance markets. Our approach accounts for the dynamic and heterogeneous impacts that key drivers may have across different stages of market development. It also allows us to go beyond correlations and gets us closer to identifying causal relationships. Our key findings indicate that: i) Microfinance markets are more responsive to the needs of the bottom of the pyramid than to potential growth opportunities. ii) Enabling institutions that provide credit information become increasingly important with higher market complexity. iii) Formal financial development is a complement of microfinance development. iv) Technologies can help to overcome market entry barriers, and to enable a higher inclusion in markets with a high degree of complexity. Our results could help policymakers and investors better understand and influence financial inclusion at the bottom of the pyramid across different stages of market development.

Using the Base of the Pyramid Strategy as Lens for Cross-Sector Collaboration in Financial Inclusion

2013
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Release : 2013
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Book Synopsis Using the Base of the Pyramid Strategy as Lens for Cross-Sector Collaboration in Financial Inclusion by : Mostafa Mohamad

Download or read book Using the Base of the Pyramid Strategy as Lens for Cross-Sector Collaboration in Financial Inclusion written by Mostafa Mohamad. This book was released on 2013. Available in PDF, EPUB and Kindle. Book excerpt: Mobile Financial service is one of the cutting edge movements to bank the unbanked by integrating donor and enterprise market approaches for financial inclusion. In this paper, we address how to integrate Donors-Led Value Chain and Enterprises-Led Value Chain to get a sustainable impact on the unbanked micro-entrepreneurs. However, each has advantages and disadvantages as they go along the stages of design, implementation, and sustainability. Using the BoP perspective, we argue that the Bottom of the Pyramid Value Chain mixes up the relatively high start up capabilities of Donor-Led Value Chain with the relatively wider impact of Enterprise-Led Value Chain. Further, it enables both donors and enterprises to develop a reconciled balanced scorecard to collect relevant and up-to-date information about economic returns, social benefits and local impact. Such integration guarantees flexible long term investments and help innovating new services.

The Fortune at the Bottom of the Pyramid

2006 Business & Economics
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Release : 2006
Genre : Business & Economics
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Book Rating : 291/5 ( reviews)

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Book Synopsis The Fortune at the Bottom of the Pyramid by : C. K. Prahalad

Download or read book The Fortune at the Bottom of the Pyramid written by C. K. Prahalad. This book was released on 2006. Available in PDF, EPUB and Kindle. Book excerpt: The world's most exciting, fastest-growing new market is where you least expect it: at the bottom of the pyramid. Collectively, the world's billions of poor people have immense untapped buying power. They represent an enormous opportunity for companies who learn how to serve them. Not only can it be done, it is being done--very profitably. What's more, companies aren't just making money: by serving these markets, they're helping millions of the world's poorest people escape poverty. C.K. Prahalad's global bestseller "The Fortune at the Bottom of the Pyramid," now available in paperback, " "shows why you can't afford to ignore "Bottom of the Pyramid" (BOP) markets. Now available in paperback, it offers a blueprint for driving the radical innovation you'll need to profit in emerging markets--and using those innovations to become more competitive "everywhere." This new paperback edition includes eleven concise, fast-paced success stories from India, Peru, Mexico, Brazil, and Venezuela--ranging from salt to soap, banking to cellphones, healthcare to housing. These stories are backed by more detailed case studies and 10 hours of digital videos on whartonsp.com. Simply put, this book is about making a revolution: building profitable "bottom of the pyramid" markets, reducing poverty, and creating an inclusive capitalism that works for "everyone." Preface xi About the Author xix Part I: The Fortune at the Bottom of the Pyramid 1 Chapter 1: The Market at the Bottom of the Pyramid 3 Chapter 2: Products and Services for the BOP 23 Chapter 3: BOP: A Global Opportunity? 47 Chapter 4: The Ecosystem for Wealth Creation 63 Chapter 5: Reducing Corruption: Transaction Governance Capacity 77 Chapter 6: Development as Social Transformation 99 Part II: Business Success Stories from the Bottom of the Pyramid 113 Financing the Poor 115 Aravind Eye Care-The Most Precious Gift 131 Energy for Everyone 137 Agricultural Advances for the Poor-The EID Parry Story 149 Retail for the Poor 159 Information Technology to the Poor 169 The Jaipur Foot Story 187 Health Alerts for All 191 Transparent Government 201 The Annapurna Salt Story 213 Homes for the Poor-The CEMEX Story 221 From Hand to Mouth-The HHL Soap Story 235 Part III: On the Web at Whartonsp.com Video Success Stories Casas Bahia CEMEX Annapurna Salt Hindustan Lever Jaipur Foot Aravind Eye Care ICICI Bank ITC e-Choupal EID Parry Voxiva E+Co/Tecnosol Andhra Pradesh Full Success Case Stories in pdf format The Market at the Bottom of the Pyramid Known Problems and Known Solutions: What Is the Missing Link? Known Problems and Unique Solutions Known Problems and Systemwide Reform Scaling Innovations Creating Enabling Conditions for the Development of the Private Sector The EID Parry Story Biographies of the Researchers/Writers of the Success Case Stories from "The Fortune at the Bottom of the Pyramid" 247 About the Video Success Stories 255 Index 257

Financial Inclusion - A Tool to Uplift People at 'Bottom of Pyramid' (BOP).

2018
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Release : 2018
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Book Synopsis Financial Inclusion - A Tool to Uplift People at 'Bottom of Pyramid' (BOP). by : Anubha Vashisht

Download or read book Financial Inclusion - A Tool to Uplift People at 'Bottom of Pyramid' (BOP). written by Anubha Vashisht. This book was released on 2018. Available in PDF, EPUB and Kindle. Book excerpt: In India it has been observed the weaker section has always been kept away from the banking fold because of their lower income and poor banking awareness. The weaker section is always in dearth of credit facilities at affordable cost and at the time of their need. The Indian Financial System is considered to be one of the best in the world yet the financial awareness and the availability of financial services is very less in the rural parts of India and especially to the weaker section, globally referred to as 'bottom of Pyramid'. This segment needs financial assistance in order to sail them out of their conditions of poverty. Financial inclusion is intended to connect people to banks with consequential benefits. Financial Inclusion includes credit facilities, financial awareness, and knowledge about banking facilities and most importantly makes them financially literate.This paper intends to study the role of financial inclusion in bringing social change and alleviating poverty. It will study the measures taken by banks in rural areas to uplift the weaker segment and study the perception of the target segment regarding these measures. And lastly to suggest a model that will increase the efficiency of banks in this regard.

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