Collateral Registries: Secured lending is the most preferred form of lending in formal credit markets, and yet property valued about $9.3 trillion in developing countries is not translated to productive use and thus classified as “dead capital” because of non-existing or poorly functioning collateral laws and registries.
Credit Reporting: Credit reporting constitute an important element of financial infrastructure that enable financial institutions to perform the essential act of granting credit. Research has shown that credit bureaus are critical to the expansion of credit for both individuals and small businesses, since access to credit information is needed when applying modern financial technologies to credit decisions for these market segments.
Securities Markets: Securities markets, particularly bond markets, are increasingly in demand by emerging market countries to finance key areas with high developmental impact, such as infrastructure, housing, and microfinance.
Leasing: Leasing can be an effective channel in tackling the critical global challenges of climate change and the food crisis by supporting investments in energy efficiency, renewable energy, cleaner production, and agribusiness equipment.
Microfinance: Microenterprises and small businesses account for the major share of the private sector and employment in many developing countries. Yet, despite their size and importance, these businesses rarely have access to the savings, credit, and payment services provided by formal financial institutions.
Retail Payments: Retail Payments Program works to increase access to banking services through developing innovative and sustainable retail payments services as a point of entry for low income populations. The program supports the development of innovative and sustainable retail payment solutions using technologies such as mobile phones, EFTPOS and payment card infrastructure to deliver payment services at low cost to the base of the pyramid as well as other users.
SME Banking: Small and medium enterprises (SMEs) are critical for the economic and social development of emerging markets. They play a major role in creating jobs and generating income for low income people. In many emerging markets, however, access to financial services for SMEs remains severely constrained.
Women in Banking: Working in collaboration with IFC’s Financial Markets department, IFC’s WIN program helps bank profitably and sustainably serve women businesses. We provide financing for on-lending to women entrepreneurs, as well as advisory services to enhance our client commercial banks’ ability to address the needs of the women’s market and provide the most appropriate products and services for this clientele.
Agriculture Finance: Agriculture is a major source of livelihood throughout the world, especially for the 75 percent of poor people living in rural areas of developing countries. In fact, agriculture is a source of livelihood for 86 percent of rural people, but lack of access to finance to adopt efficient technologies and resource allocation holds farmers back.
Capital Markets: There is no information currently available for this product.
Debt Asset Recovery Program (DARP): As a result of the global financial crisis, businesses are facing difficulties refinancing debt and banks are dealing with rising levels of non-performing loans. It is estimated that up to $1.5 trillion in emerging market corporate debt will mature in 2009. Such high levels of troubled assets restrict credit flows and mean individuals and businesses suffer reduced access to affordable finance.
Housing Finance: Housing finance generates economic growth via job creation, entrepreneurship, and economic linkages and makes it possible both for people to have shelter and a real asset. For these reasons, IFC works with clients to increase access to housing finance in emerging markets and consequently, to increase affordable housing.
Insurance: No risks, no rewards! However, an abundance of unmitigated risks can move individuals back into the poverty cycle; can endanger the survival of a business and affect jobs; and finally will seriously impair economic endeavors.
GTLP: The Global Trade Liquidity Program (GTLP) is a unique, coordinated global initiative that brings together governments, development finance institutions (DFIs), and private sector banks to support trade in developing markets and address the shortage of trade finance resulting from the global financial crisis.
GTFP: IFC’s Global Trade Finance Program (GTFP) has been established to promote trade flows between emerging markets, increase developing countries’ share of global trade, and to support “south-south” flows of goods and services. Since launching in September 2005, GTFP has facilitated 1,700 transactions with a total value exceeding $2.3 billion (as of June 2008).
Private Equity Funds: Since 2001, the Private Equity and Investment Funds Department has been adding value to its portfolio to improve financial returns and have a sustainable impact on emerging markets. The Funds Department has also become IFC's center of expertise for the selection and structuring of new funds, leveraging and sharing the experience gained from its portfolio, and constantly adapting best industry practices to the constraints of the different markets it operates in.
Sustainable Energy Finance: Climate change poses a particularly high risk for people in developing countries, many of whom depend on agriculture, forestry, and fisheries for their livelihoods and have a limited or unreliable water supply. IFC has a unique role to play in helping our clients address risks and identify opportunities.