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Retail Finance


Agriculture Finance: Agriculture is a major source of livelihood throughout the world, especially for the 75 percent of poor people living in the 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: Capital Markets allow businesses to raise long-term funds by providing a market for securities, both through debt and equity. Capital Markets offer a wide range of products that allow businesses and banks not just to raise capital but also to hedge against risks.


Debt and Asset Recovery Program (DARP): As a result of the global financial crisis, businesses faced difficulties refinancing debt. Banks had to find new ways of handling non-performing loans (NPLs), because high levels of troubled assets restrict credit flows. IFC and the World Bank Group launched DARP to help minimize the negative effects that NPLs can have on emerging economies.


Housing Finance: Housing finance generates economic growth via job creation, entrepreneurship, and economic linkages. Such finance enables people to have shelter and to build equity in a real asset. For these reasons, IFC works with clients to increase access to housing finance in emerging markets. This increases the supply of affordable housing.


Insurance: Too many unmitigated risks can push individuals back into the poverty cycle, endanger the survival of businesses and jobs, and impair economic growth. To help protect the financial viability of businesses and individuals in emerging markets, IFC supports efforts to ease access to insurance. 

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