Microfinance Market Growth, Trends, and Forecast | 2031
Taille et tendances du marché de la microfinance
La taille du marché de la microfinance devrait passer de 274,3 $ US. milliards de dollars en 2023 à 528,7 milliards de dollars américains d'ici 2031 ; il devrait croître à un TCAC de 8,6 % entre 2023 et 2031. Le passage des prêts traditionnels à la microfinance devrait stimuler le marché.
Marché de la microfinance Analyse
Le secteur de la microfinance adopte les avancées technologiques pour améliorer ses services et sa portée. Cela inclut l’utilisation des services bancaires mobiles, des paiements numériques et des technologies financières innovantes. Ces tendances du marché de la microfinance permettent une plus grande accessibilité, efficacité et commodité tant pour les institutions de microfinance que pour leurs clients. L'accent est mis de plus en plus sur l'impact social et la durabilité au sein du marché.
Aperçu du marché de la microfinance
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- La microfinance fait référence aux conditions de services financiers destinés aux individus ou aux groupes à faibles revenus qui sont généralement exclus des systèmes bancaires traditionnels. Il vise à se concentrer sur les besoins financiers des populations marginalisées, en particulier des femmes et de la population marginalisée, en proposant de petits prêts de fonds de roulement, des microcrédits ou des microcrédits. Cependant, les institutions de microfinance (IMF) peuvent également fournir d'autres services financiers tels que les transferts d'argent, les assurances et les comptes d'épargne.
- L'objectif principal de la microfinance est d'améliorer l'accès aux services financiers pour ceux qui sont financièrement exclus, en favorisant l'autosuffisance. et l'indépendance économique. Elle joue un rôle crucial dans l'autonomisation des individus et des communautés en leur fournissant les moyens de démarrer ou de développer leur entreprise, de gérer les risques et de renforcer leur résilience financière.
- La microfinance est particulièrement importante dans les pays en développement, où une grande partie de la population manque de ressources. accès au crédit formel ou à l’épargne. En proposant des services financiers et non financiers sur mesure, les institutions de microfinance contribuent à la réduction de la pauvreté, au développement économique et à la réalisation des objectifs de développement durable des Nations Unies.
- Le marché a connu une croissance régulière ces dernières années, cette croissance reflète l'augmentation reconnaissance de l'importance de l'inclusion financière et de l'impact positif que la microfinance peut avoir sur les individus et les entreprises.
Moteur du marché de la microfinance
Passage des prêts traditionnels à la microfinance pour stimuler le marché de la microfinance
- Le marché a connu un changement significatif des prêts traditionnels vers la microfinance, motivé par plusieurs facteurs. Ce changement a entraîné des changements positifs dans le paysage financier, en particulier pour les individus et les groupes à faibles revenus qui étaient auparavant exclus de l'accès aux services financiers formels. L'un des principaux facteurs de la transition vers la microfinance est l'objectif de promouvoir l'inclusion financière.
- Les institutions de prêt traditionnelles ont souvent des critères d'éligibilité stricts et exigent des garanties, ce qui rend difficile l'accès au crédit pour les personnes à faible revenu. Les institutions de microfinance, quant à elles, se concentrent sur la fourniture de services financiers aux personnes défavorisées, leur permettant d'accéder à de petits prêts, au microcrédit et à d'autres produits financiers.
- La microfinance est reconnue pour son potentiel à réduire la pauvreté et à contribuer au développement durable. En fournissant aux individus les moyens de démarrer ou de développer leur entreprise, la microfinance contribue à créer des opportunités génératrices de revenus, à réduire le chômage et à améliorer le niveau de vie. Cet impact social a attiré l'attention et le soutien des gouvernements, des organisations internationales et des investisseurs d'impact, stimulant ainsi la croissance du marché de la microfinance.
Microfinance Analyse de segmentation du rapport de marché
- En fonction du fournisseur, le marché est segmenté en banques, institut de microfinance (IMF), institutions financières non bancaires (IFNB) et autres. Le segment des banques devrait détenir une part de marché importante de la microfinance en 2023.
- Les banques sont des institutions financières traditionnelles qui offrent une large gamme de services financiers, notamment des prêts, des comptes d'épargne et d'autres produits bancaires. Dans le contexte de la microfinance, les banques jouent un rôle important en fournissant des services financiers aux particuliers et aux microentreprises à faible revenu. Elles peuvent proposer du microcrédit, de la microassurance et d'autres produits financiers adaptés aux besoins de la population mal desservie.
- Les banques disposent souvent d'une clientèle plus large et d'une infrastructure étendue, ce qui en fait un segment important du marché. Les institutions de microfinance sont des organisations spécialisées qui fournissent des services financiers aux personnes à faible revenu qui n'ont pas suffisamment accès aux services bancaires traditionnels.
- Les IMF se concentrent sur l'inclusion financière et visent à autonomiser les personnes financièrement défavorisées en proposant des microcrédits, des microcrédits, des comptes d'épargne, des assurances. , et d'autres produits financiers. Ils ciblent souvent les populations marginalisées, notamment les femmes, les communautés rurales et les petits entrepreneurs, ce qui devrait en outre stimuler la croissance du marché de la microfinance.
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Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
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Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
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Frequently Asked Questions
The key players holding majority shares in the market are Bandhan Financial Services Pvt. Ltd.; CDC Small Business Finance Corp.; Cashpor Micro Credit; Grameen America Inc.; and KIVA.
The market is expected to reach US$ 528.7 billion by 2031.
The market was estimated to be US$ 274.3 billion in 2023 and is expected to grow at a CAGR of 8.6% during the forecast period 2023 - 2031.
Increased focus on social impact and sustainability is anticipated to play a significant role in the market in the coming years.
Shift from traditional loaning to microfinance and lower operating costs and reduced market risk are the major factors that propel the market.
- Bank Rakyat Indonesia (BRI)
- Annapurna Microfinance Pvt. Ltd.
- Bandhan Financial Services Pvt. Ltd.
- CDC Small Business Finance Corp.
- Cashpor Micro Credit
- Grameen America Inc.
- KIVA
- Madura Microfinance Ltd.
- Pacific Community Ventures
- ESAF Small Finance Bank
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.
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