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Oct 18, 2022

Increasing Access to Health Services Through Inclusive Digital Health

This report aims to share knowledge on how healthcare providers can embed digital health into their business models to expand access to health services among the underserved, or individuals at the base of the pyramid.

English - 16 pages | Español - 16 pages | 2022 IFC

Feb 3, 2021

Using Blended Concessional Finance to Invest in Challenging Markets

Why and when to use blended concessional finance to support private sector projects is outlined by IFC, in a report drawing on its two decades of experience.

English | 64 pages | IFC 2021

Dec 21, 2020

Creating Markets in Egypt: Country Private Sector Diagnostic

The Egypt Country Private Sector Diagnostic (CPSD) provides IFC & World Bank analysis of growth and investment opportunities, constraints, & policy recommendations.

English - 144 pages | Arabic - 119 pages | 2020 IFC

Nov 11, 2020

Crowdsourcing the Future of SME Financing

What will financing for small and medium-sized enterprises look like in 2030? Entrepreneurs, bankers, officials, executives, and innovators share their visions.

Mar 15, 2017

インクルーシブ・ビジネスの軌跡

IFCのクライアント企業の中で成功を収めている5社の事例（アグリビジネス、教育、金融サービス、ヘルスケア）を紹介しています。

56 pages | | © 2016 IFC |

Mar 1, 2017

Corporación Grupo Fybeca S.A. (GPF)

Fybeca a pharmaceutical retailer with a history of innovation, saw an opportunity to complement its high-end pharmacy chain, Fybeca, with a down market chain so that customers could access quality medicines at economical prices. In 2000, GPF launched SanaSana — its first pharmacy for low-income customers.

Sep 16, 2016

Built for Change: Inclusive Business Solutions for the Base of the Pyramid

IFC presents five in-depth case studies of inclusive businesses and identifies the common strategies these companies are employing to do business with people living at the base of the pyramid. Ranging in geographies and sectors (agriculture, education, financial services, and healthcare), each company has a unique path but their shared strategies provides insights that can spark innovation among future business entrepreneurs. The case studies are based on interviews with the companies’ founders, chief executive, and senior management.

Sep 7, 2016

G20 Inclusive Business Report for the 2016 Summit

Leaders at the G20 Leaders Summit in Hangzhou, China emphasized the need for sustainable and inclusive growth, and welcomed the 2016 Inclusive Business report and the launch of the G20 Global Platform on Inclusive Business www.g20inclusivebusiness.org. The Platform is a global partnership that seeks to accelerate the adoption of inclusive business policies and programs globally.

Nov 17, 2015

G20 Inclusive Business Framework and Leaders’ Call to Action

Leaders at the G20 Leaders Summit in Turkey issued a call to action to public and private sector representatives, international organizations and civil society to advance the ability of businesses around the world to integrate low-income people into their value chains. The call highlights inclusive business’ important role in the implementation of the UN’s Sustainable Development Goals aimed at ending poverty by 2030. As part of the Call to action, the G20 endorsed the G20 Inclusive Business Framework, which presents policy options for G20 and non-G20 governments, companies, and international financial institutions to promote and support inclusive business.

Mar 3, 2015

インクルーシブ・ビジネス ～成功企業から学ぶノウハウ～

IFCのクライアント企業が時間を費やし、BOP層へのアプローチに成功した際の戦略と手法について紹介しています。特に企業がBOP層をバリューチェーンに取り込む際に中心となるサプライヤーと消費者へのアプローチについて詳細に検討しています。

48 pages || © 2015 IFC |

Feb 3, 2015

インクルーシブ･ビジネス･ボンド

新興市場におけるインクルーシブ・ビジネスを支援するため新たに発行した「インクルーシブ・ビジネス・ボンド」について紹介しています。

2 pages | | © 2015 IFC |

Oct 27, 2014

インクルーシブ ビジネスのための GLOBAL CONSUMPTION DATA

世界銀行グループが発表した世界の家計支出に関する最新データ、Global Consumption Databaseについて紹介しています。

8 pages || © 2014 IFC |

Oct 27, 2014

Factsheet Promigas S.A. E.S.P.

2014年度Financial Times/IFC共催Transformational Business Awardsのインクルーシブ･ビジネス部門最終選考候補、Promigas S.A. E.S.P.のビジネスモデルを紹介しています。

1 page || © 2014 IFC |

Oct 27, 2014

Factsheet Procafecol S.A.

2014年度Financial Times/IFC共催Transformational Business Awardsのインクルーシブ･ビジネス部門最終選考候補、Procafecol S.A.のビジネスモデルを紹介しています。

1 page || © 2014 IFC |

Oct 27, 2014

Factsheet Jain Irrigation Systems Ltd.

2014年度Financial Times/IFC共催Transformational Business Awardsのインクルーシブ･ビジネス部門最終選考候補、Jain Irrigation Systems Ltd.のビジネスモデルを紹介しています。

1 page || © 2014 IFC |

Oct 27, 2014

Factsheet Shanghai F-Road Commercial Services Co. Ltd.

2014年度Financial Times/IFC共催Transformational Business Awardsのインクルーシブ･ビジネス部門最終選考候補、Shanghai F-Road Commercial Services Co. Ltd.のビジネスモデルを紹介しています。

1 page || © 2014 IFC |

Oct 27, 2014

Factsheet Fundacion Cardiovascular

2014年度Financial Times/IFC共催Transformational Business Awardsのインクルーシブ･ビジネス部門最終選考候補、Fundacion Cardiovascularのビジネスモデルを紹介しています。

1 page || © 2014 IFC |

Oct 27, 2014

Factsheet Engro Foods Limited

2014年度Financial Times/IFC共催Transformational Business Awardsのインクルーシブ･ビジネス部門最終選考候補、Engro Foods Limitedのビジネスモデルを紹介しています。

1 page || © 2014 IFC |

Oct 27, 2014

Factsheet ECOM Agroindustrial Corporation Ltd.

2014年度Financial Times/IFC共催Transformational Business Awardsのインクルーシブ･ビジネス部門最終選考候補、ECOM Agroindustrial Corporation Ltd.のビジネスモデルを紹介しています。

1 page || © 2014 IFC |

Oct 27, 2014

Factsheet Manila Water Company

2013年度Financial Times/IFC共催Sustainable Finance Awardsのインクルーシブ･ビジネス部門最終選考候補、Manila Water Companyのビジネスモデルを紹介しています。

1 page || © 2013 IFC |

May 31, 2014

"SUSTAIN: Cutting-edge business solutions" magazine in Agribusiness

How can companies across the world achieve stronger performance while addressing sustainability challenges? How can they learn from each other? And how can IFC help by leveraging its unique vantage point at the intersection of business and development? SUSTAIN addresses these questions by offering a global platform for a conversation on cutting-edge business solutions among thought leaders and pioneers from the private sector, international organizations, academia, and the World Bank Group.

60 pages | © May 2014 IFC | Complimentary

Jun 25, 2013

インクルーシブ・ビジネスの可能性

4 pages | | © 2013 IFC |

Jun 12, 2013

インクルーシブ・ビジネスの先駆者たち

本書ではインクルーシブ・ビジネスの先駆者であるIFCのクライアント企業のリーダーたち14人を特集しています。インタビューを元に彼らの奮闘に焦点を当て、日々の取り組みや仕事に対する情熱を紹介しています。

44 pages | | © 2013 IFC |

Mar 20, 2013

The Role of the Private Sector in Expanding Health Access to the Base of the Pyramid

IFC’s purpose is to create opportunities for people to escape poverty and improve their lives by developing more outlets for inclusive and sustainable growth. To ensure equitable access to healthcare, we are committed to supporting companies that are providing health services to the poor in commercially viable ways. To this end, IFC conducted a study on how to help the private sector expand access to health services to the base of the pyramid. The study examined Brazil, China, India, Indonesia, Mexico, Nigeria and Turkey—countries with significant health markets yet large underserved populations. Three health segments were analyzed: healthcare service provision, distribution of drugs and medical equipment, and medical technology.

Dec 12, 2012

G20チャレンジ：革新的なインクルーシブ・ビジネス～受賞企業のプロフィール～

本書ではG20チャレンジ・革新的なインクルーシブビジネス（G20 Challenge on Inclusive Business Innovation）で選出された優良企業の概要を紹介しています。

52 pages | | © 2012 IFC |

Aug 1, 2012

IFC and Norway Country Factsheet

c 2012.

Aug 1, 2012

IFC and the Netherlands Country Factsheet

c 2012.

Aug 1, 2012

IFC and Luxembourg Country Factsheet

c 2012.

Aug 1, 2012

IFC and Italy Country Factsheet

c 2012.

Aug 1, 2012

IFC and Israel Country Factsheet

c 2012.

Aug 1, 2012

IFC and Ireland Country Factsheet

c 2012.

Aug 1, 2012

IFC and Iceland Country Factsheet

c 2012.

Aug 1, 2012

IFC and Greece Country Factsheet

c 2012.

Aug 1, 2012

Apollo Hospitals

Apollo Hospitals Enterprise Ltd., one of the largest private integrated healthcare groups in India, has broadened the reach of health services providers in India by establishing facilities in semi-urban and rural areas and using telemedicine for specialist referrals. To ensure healthcare is affordable to all, Apollo Reach hospitals treat both low- and high-income patients and charge fees based on their ability to pay. By 2015, the hospital group is expected to serve 400,000 patients per year, 30% of which earn less than $2 a day.

Aug 1, 2012

FINO PayTech

FINO PayTech Ltd. builds and implements technologies that enable financial institutions to serve under-banked populations through mobile point-of-transaction terminals and smart cards. FINO PayTech deploys field agents to enroll consumers in rural and semi-urban regions of India and conduct low-cost transactions. To date, FINO has enrolled over 20 million individuals in 21 states in India and provides them with access to a suite of financial services including remittances, deposits, credit, subsidies and insurance.

Aug 1, 2012

Nib International Bank

Founded in 1999, Nib International Bank S.C. (NIB) is one of Ethiopia’s fastest-growing private banks, with total assets having grown 64% between 2008 and 2010 to reach $400 million. It is headquartered in Addis Ababa and operates a network of 48 branches, providing extensive coverage throughout the country.

Aug 1, 2012

Sociedad de Acueducto, Alcantarillado y Aseo de Barranquilla (AAA)

AAA was the first company established under an innovative policy framework for the water and sanitation sector in Colombia. Called the “mixed capital model,” this framework encourages public-private cooperation to expand coverage in poorer municipalities not effectively served by traditional public utilities. AAA began providing water, sanitation, and solid waste management services to the city of Barranquilla, in northern Colombia, in 1993 with an exclusive 20-year concession that was later extended for another 20 years. The company has since expanded into 12 other municipalities.

Aug 1, 2012

Aadhar Housing Finance

Aadhar Housing Finance Ltd. (AHFL) seeks to extend opportunities for home ownership to low- and lower middle-income households in India. Established in 2011 as a registered Housing Finance Company, AHFL is regulated by India’s National Housing Bank. In its first year of operation, AHFL disbursed 861 loans worth $8.8 million, with approximately 50% of new loans going to customers earning $100-$400 per month.

Aug 1, 2012

ECOM

Ecom Agroindustrial Corporation Ltd. (ECOM), one of the world‘s leading commodity traders, works with coffee growers – the majority of whom are smallholders at the base of the pyramid. ECOM’s direct financing, coupled with partnerships with technical assistance providers, has enabled these farmers to improve productivity, increase quality and gain the certification necessary for premium pricing. Between 2006 and 2012, ECOM purchased more than 81,000 metric tons of certified coffee, providing an additional $14.7 million in income for farmers.

Aug 1, 2012

Agrofinanzas (now Bankaool)

Agrofinanzas S.A. de C.V. (now Bankaool S.A.) is a specialized, non-deposit taking financial institution that on-lends to farmers and rural companies in Mexico. Created in 2005, Bankaool has provided access to the first formal financial services for nearly 5,000 clients. The company has approximately $100 million in its loan portfolio, and 99% of its clients earn less than $1,200 per month.

Aug 1, 2012

Bakhresa Grain Milling Malawi (BGM)

Bakhresa Grain Milling (BGM) Malawi is the market leader in flour milling in Malawi. The company has positioned itself as the market leader in wheat milling in Malawi, achieving 33.6% revenue growth and $9.5 million in EBITDA in calendar year 2011. Bakhresa was recognized for its business model as a winner of the G20 Leaders Summit in 2012.

Aug 1, 2012

La Hipotecaria

La Hipotecaria Holding Inc. (LH Holding), a full-service housing finance company, specializes in originating, servicing and securitizing residential mortgages for low- and lower middle-income borrowers, the majority of whom are first time home buyers. It approves approximately 360 loans per month in Panama and 90 loans per month in El Salvador. As of 2012, the company had issued more than 20,000 loans.

Aug 1, 2012

DineroMail

DineroMail is an e-commerce payments processor that facilitates electronic payments between businesses and customers. The company operates in Argentina, Brazil, Chile, Mexico, and Colombia. DineroMail developed a way for unbanked customers to participate in e-commerce, enabling them to purchase goods not available locally—or available only at significant mark-ups.

Aug 1, 2012

Tribanco

Tribanco is the financial intermediary for Grupo Martins, the largest wholesaler and distributor in Latin America, which services mostly family-owned micro, small and medium sized enterprises in Brazil. Tribanco provides more than 37,000 of Grupo Martins’ retailers with training and access to financing for inventory or store renovations, enabling them to remain competitive and improve profitability. It also facilitates short-term access to credit to low-income customers through credit cards offered via 9000 Grupo Martins’ retailers. More than 2.5 million credit cards are being used by low-income customers to buy food and basic necessities.

Aug 1, 2012

PT Summit Oto

PT Summit Oto Finance (OTO), a motorcycle financing company in Indonesia, provides small loans to low and middle-income borrowers, with most loans going to individuals earning between $150-$300 per month, and many without bank accounts. OTO engages unbanked borrowers by basing its strategy on the microfinance model, increasing the mobility of low and middle-income borrowers, enabling greater access to markets and services. The company has 173 branches and cooperates with more than 4,000 authorized motorcycle dealers.

Aug 1, 2012

Dialog Telekom PLC

Dialog Telekom PLC is Sri Lanka’s leading mobile telecommunications service provider with approximately 6.3 million subscribers and a market share of around 49% in 2009. In 1993, Dialog was awarded a 20-year license to provide cellular telecommunications services by the government of Sri Lanka. Dialog’s inclusive business model is not only expanding access to telecommunications but also expanding economic opportunity for the micro- and small-scale retailers that sell its products.

Aug 1, 2012

Ideal Invest S.A.

Ideal Invest is the largest private student loan provider in Brazil with a portfolio of $65 million, having served over 24,000 students at 265 institutions in 24 states. More than 60% of students receiving loans are women, 62% of students come from families with less than $1,500 per month in household income, and 66% are the first in their families to go to college.

Aug 1, 2012

Duoc UC

Duoc UC is a non-profit, private institution of higher education with 13 campuses in Chile. Over 71,000 students enrolled in Duoc UC programs in 2012. 74% of students are the first in their families to receive higher education. Duoc UC focuses on affordability, with program costs significantly less than comparable university programs, and employability, with 80 courses relevant to labor markets. As a result, 81% of Duoc’s surveyed alumni are employed, most in the fields they studied.

Aug 1, 2012

Companhia Energética do Maranhão (CEMAR)

Companhia Energética do Maranhão (CEMAR) is a power distribution company servicing Maranhão, one of the poorest states in Brazil. As the implementing agency for the government program “Light For All”, CEMAR ensures energy remains affordable by accessing subsidized government loans and grants for infrastructure costs and helping those residential customers classified as low-income to receive a reduction of up to 65% off their energy bills. Since 2004, CEMAR has added 700,000 new customers, nearly 50% of which were rural and low-income populations that did not have access to electricity.

Aug 1, 2012

Xiwang Sugar Holdings Company Ltd.

Established in 1986 as a cooperative enterprise, Xiwang has grown to become a leading corn processor, producing corn and high value-added starch sugar products in China. The company is the country’s largest producer of crystalline glucose, a starch sugar product, with an annual production capacity of 800,000 tons. As of 2011, Xiwang had an annual corn processing capacity of 1.5 million tons and procured corn from 400,000 small farmers.