小额信贷市场增长、规模、份额、趋势、关键参与者分析及 2031 年预测

  • Report Code : TIPRE00039053
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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预计小额信贷市场规模将从 2023 年的 2743 亿美元增长到 2031 年的 5287 亿美元;预计 2023 年至 2031 年的复合年增长率为 8.6%。从传统贷款向小额信贷的转变预计将推动市场发展。

 

小额信贷市场分析

小额信贷行业正在利用技术进步来增强其服务和覆盖范围。这包括使用移动银行、数字支付和创新金融技术。这些小额信贷市场趋势为小额信贷机构及其客户提供了更大的可访问性、效率和便利性。市场更加关注社会影响和可持续性。

 

小额信贷市场概况

  • 小额信贷是指向通常被排除在传统银行系统之外的低收入个人或群体提供金融服务。它旨在通过提供小额营运资金贷款、小额贷款或小额信贷,关注边缘化人群(尤其是女性和边缘化人群)的金融需求。然而,小额信贷机构 (MFI) 也可能提供其他金融服务,例如汇款、保险和储蓄账户。
  • 小额信贷的主要目标是改善那些无法获得金融服务的人获得金融服务的机会,促进自给自足和经济独立。它通过为个人和社区提供创业或拓展业务、管理风险和建立财务韧性的手段,在增强个人和社区权能方面发挥着至关重要的作用。
  • 小额信贷在发展中国家尤为重要,因为发展中国家相当一部分人口缺乏正规信贷或储蓄。小额信贷机构通过提供量身定制的金融和非金融服务,为减贫、经济发展和实现联合国可持续发展目标做出了贡献。
  • 近年来,市场一直稳步增长,这种增长反映了人们对金融包容性的重要性以及小额信贷对个人和企业的积极影响的认识不断提高。

 

 

 

小额信贷市场驱动因素

 

 

从传统贷款转向小额信贷,推动小额信贷市场

  • 受多种因素推动,市场已从传统贷款向小额信贷发生重大转变。这种转变给金融格局带来了积极变化,特别是对于以前无法获得正规金融服务的低收入个人和群体。向小额信贷转变的主要因素之一是促进金融包容性的目标。
  • 传统贷款机构通常有严格的资格标准并要求提供抵押品,这使得低收入人群难以获得信贷。另一方面,小额信贷机构专注于为金融服务不足的人群提供金融服务,使他们能够获得小额贷款、小额信贷和其他金融产品。underserved, enabling them to access small loans, microcredit, and other financial products.
  • 小额信贷因其减轻贫困和促进可持续发展的潜力而受到认可。通过为个人提供创业或拓展业务的手段,小额信贷有助于创造创收机会、减少失业和提高生活水平。这种社会影响引起了政府、国际组织和影响力投资者的关注和支持,进一步推动了小额信贷市场的增长。

 

小额信贷

市场报告细分分析

  • 根据提供商,市场分为银行、小额信贷机构 (MFI)、非银行金融机构 (NBFI) 和其他。预计银行部门将在 2023 年占据小额信贷市场的很大份额。
  • 银行是提供各种金融服务的传统金融机构,包括贷款、储蓄账户和其他银行产品。在小额信贷方面,银行在向低收入个人和微型企业提供金融服务方面发挥着重要作用。他们可能会提供小额信贷、小额保险和其他针对服务不足人群需求的金融产品。microcredit, micro-insurance, and other financial products tailored to the needs of the underserved population.
  • 银行通常拥有更广泛的客户基础和广泛的基础设施,使其成为市场中的重要部分。小额信贷机构是专门为无法获得传统银行服务的低收入个人提供金融服务的组织。
  • 小额信贷机构专注于金融包容性,旨在通过提供小额贷款、小额信贷、储蓄账户、保险和其他金融产品,为金融服务不足的群体提供帮助。它们通常以边缘化人群为目标,包括妇女、农村社区和小规模企业家,这有望进一步促进小额信贷市场的增长。

 

小额信贷市场份额按地区分析

小额信贷市场报告的范围主要分为五个地区 - 北美、欧洲、亚太、中东和非洲以及南美。亚太地区 (APAC) 正在经历快速增长,预计将占据相当大的小额信贷市场份额。该地区的经济发展显著、人口增长以及不同经济体对金融包容性的日益关注促进了这一增长。亚太地区的新兴市场以大量无银行账户人口和日益增长的创业文化为特征,为小额信贷机构和非银行金融机构 (NBFI) 扩大服务范围并覆盖以前服务不足的社区提供了大量机会。

 

小额信贷

市场报告范围

《小额信贷市场分析》调查基于提供商、最终用户和地理位置。就提供商而言,市场分为银行、小额信贷机构 (MFI)、非银行金融机构 (NBFI) 和其他机构。根据最终用户,市场分为小型企业、微型企业和个体企业家或自雇人士。根据地理位置,市场分为北美、欧洲、亚太地区、中东和非洲以及南美。

 

小额信贷

市场新闻和最新动态

公司在市场上采用并购等无机策略和有机策略。小额信贷市场预测是根据各种二手和一手研究结果估算的,例如主要公司出版物、协会数据和数据库。以下列出了一些近期的主要市场发展情况:

  • 2024 年 2 月,爱立信与 Telenor 小额信贷银行 (TMB) 进一步加强了合作伙伴关系,并共同致力于促进巴基斯坦的金融包容性和赋权。两家公司最近签署了一份为期多年的合作协议,旨在增强 easypaisa 提供的金融服务并扩大金融科技领域的产品范围。此次合作旨在利用两家公司的专业知识和资源,推动巴基斯坦个人和企业金融服务的增长和可及性。

[来源:Telefonaktiebolaget LM Ericsson,公司网站]

 

 

小额信贷

市场报告范围及交付成果

《小额信贷市场规模和预测(2021-2031 年)》市场报告对以下领域进行了详细的市场分析:

  • 范围内涵盖的所有主要细分市场的全球、区域和国家层面的市场规模和预测。
  • 市场动态,例如驱动因素、限制因素和关键机遇。
  • 未来的主要趋势。
  • 详细的 PEST 和 SWOT 分析
  • 全球和区域市场分析涵盖主要市场趋势、主要参与者、法规和最新的市场发展。
  • 行业格局和竞争分析包括市场集中度、热图分析、关键参与者、最新发展。
  • 详细的公司简介。

小额信贷报告范围

报告属性细节
2023 年的市场规模2743亿美元
2031 年市场规模5287亿美元
全球复合年增长率(2023 - 2031)8.6%
史料2021-2023
预测期2023-2031
涵盖的领域按提供商
  • 银行
  • 小额信贷学院
  • 非银行金融机构
按最终用户
  • 小型企业
  • 微型企业
  • 个人创业者或自雇人士
覆盖地区和国家北美
  • 我们
  • 加拿大
  • 墨西哥
欧洲
  • 英国
  • 德国
  • 法国
  • 俄罗斯
  • 意大利
  • 欧洲其他地区
亚太
  • 中国
  • 印度
  • 日本
  • 澳大利亚
  • 亚太其他地区
南美洲和中美洲
  • 巴西
  • 阿根廷
  • 南美洲和中美洲其他地区
中东和非洲
  • 南非
  • 沙特阿拉伯
  • 阿联酋
  • 中东和非洲其他地区
市场领导者和主要公司简介
  • 印尼人民银行 (BRI)
  • 安纳普尔纳小额信贷私人有限公司
  • Bandhan 金融服务私人有限公司
  • CDC 小型企业金融公司
  • Cashpor 小额信贷
  • 格莱珉美国公司
  • 基瓦
  • 马杜拉小额信贷有限公司
  • 太平洋社区风险投资公司
  • Historical Analysis (2 Years), Base Year, Forecast (7 Years) with CAGR
  • PEST and SWOT Analysis
  • Market Size Value / Volume - Global, Regional, Country
  • Industry and Competitive Landscape
  • Excel Dataset
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.

Trends and growth analysis reports related to Banking, Financial Services, and Insurance : READ MORE..   
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  • 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

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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:

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  • 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.