Small and Medium Enterprise Finance
Small and Medium Enterprise Finance
This update considers new findings since the initial Stocktaking report, substantiating the contribution of the private sector, and of small and medium enterprises (SMEs) in particular, for new jobs and investment. These findings further illustrate the key role access to finance plays in SMEs abilities and willingness to add jobs including the special circumstances of fast-growing SMEs, or gazelles. The new findings further detail availability and gaps in SME financing, including for specific subsectors such as women-owned firms and agri-enterprises. New trends include progress made in recent years to improve financial markets infrastructure, and expanded lending in countries such as China, which have made progress in this area. The findings also include key private sector innovations pioneered by the SME Finance Challenge winners and other private sector institutions, focusing on key sector opportunities (such as agribusiness and energy), product innovation (such as expanded local currency options), and risk management alternatives. The new findings and trends highlight the potential of collaborative platforms that have emerged from the G-20/GPFI (Global Partnership for Financial Inclusion) process to combine resources to improve SME access to finance, and some of the major outstanding issues and obstacles these platforms might address. The conclusion provides recommendations for priority issues and work areas for G-20/GPFI attention.
- World Bank United States
FINANCIAL SECTOR DEVELOPMENT, EMERGING MARKET COUNTRIES, ENTREPRENEURSHIP FINANCING, MOVABLE ASSETS, CREDIT GUARANTEE, DEPOSIT, OVERDRAFT, EMERGING MARKET, ELECTRONIC FORM, SMALL BUSINESS INVESTMENT, ALTERNATIVE SOURCES OF FINANCING, ANGEL INVESTOR, FINANCIAL INFRASTRUCTURE, FEDERAL RESERVE, CAPITAL REQUIREMENTS, PUBLIC-PRIVATE PARTNERSHIPS, WOMEN ENTREPRENEURS, RISKY BORROWERS, WOMEN BORROWERS, COLLATERAL, NET WORTH, BUSINESS DEVELOPMENT, SPECIAL FINANCING, FARMERS, EARNINGS, EMERGING MARKETS, EQUITY FUND, BANK ACCOUNTS, FINANCIAL MARKETS, AGRICULTURAL FINANCE, EMERGING ECONOMIES, NEW BUSINESS, GUARANTOR, INTERNATIONAL FINANCE, ACCESS TO FORMAL FINANCE, DOCUMENTATION REQUIREMENTS, CREDIT CEILING, GLOBAL ECONOMY, GUARANTEES FOR LOANS, LOAN APPLICANTS, PROPERTY RIGHTS, RISK MITIGATION, ANGEL INVESTORS, BARRIERS IN ACCESS, BALANCE SHEET, ACCESS TO FINANCIAL SERVICES, NETWORKING OPPORTUNITIES, PRIVATE EQUITY, ECONOMIC COOPERATION, LIQUIDITY, INTEREST RATES, SMALL BUSINESS, MORTGAGES, CREDIT RISK, GUARANTEE SCHEMES, WORKING CAPITAL, GOVERNMENT POLICIES, CASH FLOW, PROFITABILITY, WOMEN BUSINESS OWNERS, MICROCREDIT, BANK ACCOUNT, FIXED ASSETS, DEPOSIT ACCOUNT, PUBLIC-PRIVATE PARTNERSHIP, CUSTOMER SERVICE, PORTFOLIO, SMALL BANKS, LENDERS, SMALLHOLDER FARMERS, START-UP, SMALL BUSINESS LENDING, CAPITAL MARKETS, DEBT FINANCE, DISCRIMINATION AGAINST WOMEN, CREDITWORTHINESS, FINANCIAL CRISES, MARKET SEGMENTATION, IMMOVABLE ASSETS, LIABILITY, EXCHANGE RATE, FINANCIAL INSTITUTIONS, CREDIT BUREAUS, EQUIPMENT, TERM CREDIT, HOUSEHOLDS, BANKING SERVICES, PRIVATE CREDIT, BANKS, CREDIT GUARANTEES, UNION, BORROWING, DEBT FINANCING, CAPITAL INJECTIONS, TRADE FINANCE, BUSINESS TRANSACTIONS, LOAN, FINANCIAL DEVELOPMENT, GUARANTEE FUNDS, MATURITY, SECURITIES, MICROFINANCE, ALTERNATIVE CREDIT, CENTRAL BANKS, DEVELOPMENT BANK, FINANCE INITIATIVE, CORRUPTION, CREDIT MARKETS, SMALL FARMERS, MOVABLE COLLATERAL, OUTSTANDING LOANS, GENDER, LOCAL CURRENCY, FINANCIAL FLOWS, EDUCATED WOMEN, TRANSACTION, GENDER GAP, TAX RATES, TAX, BANKING SYSTEM, INVENTORY, ECONOMIC GROWTH, EQUITY FINANCING, TRANSACTION COSTS, EXTERNAL FINANCING, CREDITOR, TECHNICAL ASSISTANCE, BANK LENDING, ELECTRONIC PAYMENTS, FORMAL FINANCIAL INSTITUTIONS, PARTIAL CREDIT, FINANCIAL EDUCATION, FINANCIAL CRISIS, BANKERS ASSOCIATION, ANTI-MONEY LAUNDERING, GOVERNMENT BONDS, INFORMATION SHARING, BARRIERS TO WOMEN, GOVERNMENT INTERVENTIONS, SMALL FARMER, CHECKING ACCOUNT, INFORMATION SERVICES, RISK MANAGEMENT, 330, SOLVENCY, BORROWER, GENDER GAPS, DEVELOPMENT FINANCE, MICROENTERPRISES, BARRIERS TO GROWTH, KEY CHALLENGE, LABOR MARKET, CREDIT GAP, MERCHANT, OVERDRAFT FACILITIES, DEBT, ASYMMETRIC INFORMATION, GROWTH OPPORTUNITIES, PAYMENTS SERVICES, CREDIT INFORMATION SYSTEMS, TRADE CREDIT, FINANCIAL PRODUCTS, ACCESS TO FINANCE, CENTRAL BANK, WOMEN OWNERS, CAPITAL MARKET, ACCESS TO ACCOUNTS, BUSINESS DEVELOPMENT BANK, FORMAL FINANCIAL SERVICES, LINES OF CREDIT, COMMERCIAL BANK, INTEREST RATE CEILINGS, DEPOSIT ACCOUNTS, ACCESS TO EDUCATION, WOMAN, CREDIT INFORMATION, INTERNATIONAL DEVELOPMENT, REPAYMENTS, INTERNATIONAL FINANCIAL INSTITUTIONS, SUPPLY CHAIN, REGULATORY BARRIERS, WOMAN ENTREPRENEUR, ENTREPRENEURIAL FINANCE, TREASURY, SMALL BUSINESS FINANCE, FINANCIAL INSTITUTION, WAREHOUSES, AGRICULTURAL BANK, ECONOMIC POLICY, MICROFINANCE INSTITUTIONS, SMALLHOLDER, ACCESS TO CREDIT, FINANCIAL ACCESS, SUPPLY CHAINS, COMMERCIAL BANKS, CREDIT PRODUCTS, EQUITY FUNDS, INVESTMENT BANK, PROMOTION EFFORT, EXTERNAL FINANCE, ALTERNATIVE FINANCING, CAPITAL FINANCE, ACCOUNTS RECEIVABLE, JOB CREATION, CREDIT UNDERWRITING, CASH FLOWS, FINANCIAL SUPPORT, SAVINGS, SOCIAL VENTURE CAPITAL, CAPACITY BUILDING, DEVELOPMENT FINANCE INSTITUTIONS, DISCRIMINATION, OUTREACH, FINANCING NEEDS, INTEREST RATE, ADVISORY SERVICES
FINANCIAL SECTOR DEVELOPMENT, EMERGING MARKET COUNTRIES, ENTREPRENEURSHIP FINANCING, MOVABLE ASSETS, CREDIT GUARANTEE, DEPOSIT, OVERDRAFT, EMERGING MARKET, ELECTRONIC FORM, SMALL BUSINESS INVESTMENT, ALTERNATIVE SOURCES OF FINANCING, ANGEL INVESTOR, FINANCIAL INFRASTRUCTURE, FEDERAL RESERVE, CAPITAL REQUIREMENTS, PUBLIC-PRIVATE PARTNERSHIPS, WOMEN ENTREPRENEURS, RISKY BORROWERS, WOMEN BORROWERS, COLLATERAL, NET WORTH, BUSINESS DEVELOPMENT, SPECIAL FINANCING, FARMERS, EARNINGS, EMERGING MARKETS, EQUITY FUND, BANK ACCOUNTS, FINANCIAL MARKETS, AGRICULTURAL FINANCE, EMERGING ECONOMIES, NEW BUSINESS, GUARANTOR, INTERNATIONAL FINANCE, ACCESS TO FORMAL FINANCE, DOCUMENTATION REQUIREMENTS, CREDIT CEILING, GLOBAL ECONOMY, GUARANTEES FOR LOANS, LOAN APPLICANTS, PROPERTY RIGHTS, RISK MITIGATION, ANGEL INVESTORS, BARRIERS IN ACCESS, BALANCE SHEET, ACCESS TO FINANCIAL SERVICES, NETWORKING OPPORTUNITIES, PRIVATE EQUITY, ECONOMIC COOPERATION, LIQUIDITY, INTEREST RATES, SMALL BUSINESS, MORTGAGES, CREDIT RISK, GUARANTEE SCHEMES, WORKING CAPITAL, GOVERNMENT POLICIES, CASH FLOW, PROFITABILITY, WOMEN BUSINESS OWNERS, MICROCREDIT, BANK ACCOUNT, FIXED ASSETS, DEPOSIT ACCOUNT, PUBLIC-PRIVATE PARTNERSHIP, CUSTOMER SERVICE, PORTFOLIO, SMALL BANKS, LENDERS, SMALLHOLDER FARMERS, START-UP, SMALL BUSINESS LENDING, CAPITAL MARKETS, DEBT FINANCE, DISCRIMINATION AGAINST WOMEN, CREDITWORTHINESS, FINANCIAL CRISES, MARKET SEGMENTATION, IMMOVABLE ASSETS, LIABILITY, EXCHANGE RATE, FINANCIAL INSTITUTIONS, CREDIT BUREAUS, EQUIPMENT, TERM CREDIT, HOUSEHOLDS, BANKING SERVICES, PRIVATE CREDIT, BANKS, CREDIT GUARANTEES, UNION, BORROWING, DEBT FINANCING, CAPITAL INJECTIONS, TRADE FINANCE, BUSINESS TRANSACTIONS, LOAN, FINANCIAL DEVELOPMENT, GUARANTEE FUNDS, MATURITY, SECURITIES, MICROFINANCE, ALTERNATIVE CREDIT, CENTRAL BANKS, DEVELOPMENT BANK, FINANCE INITIATIVE, CORRUPTION, CREDIT MARKETS, SMALL FARMERS, MOVABLE COLLATERAL, OUTSTANDING LOANS, GENDER, LOCAL CURRENCY, FINANCIAL FLOWS, EDUCATED WOMEN, TRANSACTION, GENDER GAP, TAX RATES, TAX, BANKING SYSTEM, INVENTORY, ECONOMIC GROWTH, EQUITY FINANCING, TRANSACTION COSTS, EXTERNAL FINANCING, CREDITOR, TECHNICAL ASSISTANCE, BANK LENDING, ELECTRONIC PAYMENTS, FORMAL FINANCIAL INSTITUTIONS, PARTIAL CREDIT, FINANCIAL EDUCATION, FINANCIAL CRISIS, BANKERS ASSOCIATION, ANTI-MONEY LAUNDERING, GOVERNMENT BONDS, INFORMATION SHARING, BARRIERS TO WOMEN, GOVERNMENT INTERVENTIONS, SMALL FARMER, CHECKING ACCOUNT, INFORMATION SERVICES, RISK MANAGEMENT, 330, SOLVENCY, BORROWER, GENDER GAPS, DEVELOPMENT FINANCE, MICROENTERPRISES, BARRIERS TO GROWTH, KEY CHALLENGE, LABOR MARKET, CREDIT GAP, MERCHANT, OVERDRAFT FACILITIES, DEBT, ASYMMETRIC INFORMATION, GROWTH OPPORTUNITIES, PAYMENTS SERVICES, CREDIT INFORMATION SYSTEMS, TRADE CREDIT, FINANCIAL PRODUCTS, ACCESS TO FINANCE, CENTRAL BANK, WOMEN OWNERS, CAPITAL MARKET, ACCESS TO ACCOUNTS, BUSINESS DEVELOPMENT BANK, FORMAL FINANCIAL SERVICES, LINES OF CREDIT, COMMERCIAL BANK, INTEREST RATE CEILINGS, DEPOSIT ACCOUNTS, ACCESS TO EDUCATION, WOMAN, CREDIT INFORMATION, INTERNATIONAL DEVELOPMENT, REPAYMENTS, INTERNATIONAL FINANCIAL INSTITUTIONS, SUPPLY CHAIN, REGULATORY BARRIERS, WOMAN ENTREPRENEUR, ENTREPRENEURIAL FINANCE, TREASURY, SMALL BUSINESS FINANCE, FINANCIAL INSTITUTION, WAREHOUSES, AGRICULTURAL BANK, ECONOMIC POLICY, MICROFINANCE INSTITUTIONS, SMALLHOLDER, ACCESS TO CREDIT, FINANCIAL ACCESS, SUPPLY CHAINS, COMMERCIAL BANKS, CREDIT PRODUCTS, EQUITY FUNDS, INVESTMENT BANK, PROMOTION EFFORT, EXTERNAL FINANCE, ALTERNATIVE FINANCING, CAPITAL FINANCE, ACCOUNTS RECEIVABLE, JOB CREATION, CREDIT UNDERWRITING, CASH FLOWS, FINANCIAL SUPPORT, SAVINGS, SOCIAL VENTURE CAPITAL, CAPACITY BUILDING, DEVELOPMENT FINANCE INSTITUTIONS, DISCRIMINATION, OUTREACH, FINANCING NEEDS, INTEREST RATE, ADVISORY SERVICES
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