マイクロファイナンス市場 - 2031 年の成長予測、統計、事実

  • Report Code : TIPRE00039053
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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Microfinance Market Growth, Trends, and Forecast | 2031

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マイクロファイナンスの市場規模と傾向

 

マイクロファイナンスの市場規模は、274.3 米ドルから成長すると予想されています2023 年には 10 億米ドル、2031 年には 5,287 億米ドルに。 2023 年から 2031 年にかけて 8.6% の CAGR で拡大すると予想されています。従来の融資からマイクロファイナンスへの移行が市場を押し上げると予想されます。

 

マイクロファイナンス市場分析

 

マイクロファイナンス業界は、サービスとリーチを強化するために技術の進歩を取り入れています。これには、モバイル バンキング、デジタル決済、革新的な金融テクノロジーの使用が含まれます。これらのマイクロファイナンス市場動向により、マイクロファイナンス機関とその顧客の両方にとって、アクセスしやすさ、効率性、利便性が向上します。市場では社会的影響と持続可能性がますます重視されています。

 

マイクロファイナンス市場の概要

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  • マイクロファイナンスとは、従来の銀行システムから通常排除されている低所得の個人またはグループに対する金融サービスの条件を指します。少額の運転資金ローン、マイクロローン、またはマイクロクレジットを提供することにより、社会から疎外された人々、特に女性と疎外された人々の経済的ニーズに焦点を当てることを目的としています。ただし、マイクロファイナンス機関(MFI)は、送金、保険、普通預金口座などの他の金融サービスも提供する場合があります。
  • マイクロファイナンスの主な目的は、経済的に疎外されている人々の金融サービスへのアクセスを改善し、自給自足を促進することです。そして経済的自立。マイクロファイナンスは、ビジネスの開始や拡大、リスクの管理、経済的回復力の構築の手段を提供することで、個人やコミュニティに力を与える上で重要な役割を果たしています。
  • マイクロファイナンスは、人口のかなりの部分が不足している発展途上国で特に重要です。正式なクレジットや貯蓄へのアクセス。マイクロファイナンス機関は、カスタマイズされた金融サービスおよび非金融サービスを提供することで、貧困緩和、経済発展、国連の持続可能な開発目標の達成に貢献しています。
  • 市場は近年着実に成長しており、この成長は人口の増加を反映しています。金融包摂の重要性とマイクロファイナンスが個人や企業に与えるプラスの影響の認識。

 

マイクロファイナンス市場の推進力

従来の融資からマイクロファイナンスへの移行によりマイクロファイナンス市場を牽引

 

  • 市場は、いくつかの要因によって従来の融資からマイクロファイナンスへの大きな移行を目の当たりにしました。この変化は、特にこれまで正式な金融サービスへのアクセスから排除されていた低所得の個人やグループに、金融情勢に前向きな変化をもたらしました。マイクロファイナンスへの移行の主な要因の 1 つは、金融包摂の促進を目的としていることです。
  • 従来の金融機関には厳しい資格基準があり、担保が必要な場合が多いため、低所得者が融資を受けることが困難になっています。一方、マイクロファイナンス機関は、経済的に恵まれない人々に金融サービスを提供することに重点を置き、少額融資、マイクロクレジット、その他の金融商品を利用できるようにしています。
  • マイクロファイナンスは、貧困を緩和し、持続可能な開発に貢献する可能性があると認識されています。マイクロファイナンスは、個人に事業を開始または拡大する手段を提供することで、収入を生み出す機会を創出し、失業率を削減し、生活水準を向上させるのに役立ちます。この社会的影響は政府、国際機関、インパクト投資家からの注目と支援を集め、マイクロファイナンス市場の成長をさらに推進しています。

 

>マイクロファイナンス市場レポートのセグメンテーション分析

 

  • プロバイダーに基づいて、市場は銀行、マイクロファイナンス機関に分割されます。 (MFI)、ノンバンク金融機関 (NBFI) など。銀行部門は、2023 年にはかなりのマイクロファイナンス市場シェアを握ると予想されています。
  • 銀行は、ローン、普通預金口座、その他の銀行商品を含む幅広い金融サービスを提供する伝統的な金融機関です。マイクロファイナンスの文脈では、銀行は低所得者や零細企業に金融サービスを提供する上で重要な役割を果たしています。銀行は、十分なサービスを受けられていない人々のニーズに合わせたマイクロクレジット、マイクロ保険、その他の金融商品を提供している場合があります。
  • 銀行はより広範な顧客基盤と広範なインフラストラクチャを備えていることが多く、市場の重要なセグメントとなっています。マイクロファイナンス機関は、従来の銀行サービスを十分に利用できない低所得者に金融サービスを提供する専門組織です。
  • MFI は金融包摂に重点を置き、マイクロローン、マイクロクレジット、普通預金口座、保険を提供することで、経済的に恵まれない人々に力を与えることを目指しています。 、その他の金融商品。多くの場合、女性、農村地域、小規模起業家など社会から疎外された人々がターゲットとなっており、マイクロファイナンス市場の成長をさらに押し上げることが期待されています。

 

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Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


Which are the key players holding the major market share of the microfinance market?

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.

What will be the market size for the microfinance market by 2031?

The market is expected to reach US$ 528.7 billion by 2031.

What is the estimated market size for the microfinance market in 2023?

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.

What are the future trends of the microfinance market?

Increased focus on social impact and sustainability is anticipated to play a significant role in the market in the coming years.

What are the driving factors impacting the microfinance market?

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.

  1. 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.

  1. 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:

Research Methodology

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.

  1. 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.

  1. 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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