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Credit Reporting at the Base of the Pyramid


The report takes a fresh look at the state of credit reporting at the base of the pyramid, describing three main approaches: credit bureaus, credit registries and MFI-specific systems for exchanging client information. The data and analysis for this paper are drawn from IFC and CGAP market intelligence on credit reporting systems.

 

In Part I, the report presents the microlending market, the diversity of players, and their evolving demand for credit information.  Part II describes three main approaches for credit reporting at the base of the pyramid: credit bureaus, credit registries, and MFI-specific systems for exchanging client information. Each of these approaches is illustrated by country examples.  Part III examines the lessons learned for effective credit reporting at the base of the pyramid and identifies key success factors as well as common challenges.   Part IV presents a summary of recommendations for policy makers, microlenders, donors, and others interested in encouraging credit reporting at the base of the pyramid.  

 

Download the report in English, Arabic.

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