Description
Abstract explain achieving sustainable business results through financial inclusion.
Inclusive Finance
Achieving sustainable business
results through fnancial inclusion
Strong fnancial institutions are the backbone of sustainable economies. We help commercial
banks, microfnance and nonbank fnancial institutions increase their effciency, market share
and proftability by providing integrated capacity and capital solutions that can meet the
needs of greater numbers of un(der)served households and businesses.
RESPONSIVE SOLUTIONS
Applying extensive global expertise to on-the-ground
realities, our interdisciplinary practitioner teams
work with clients to design, connect, fnance and
build demand-driven solutions that yield sustainable
business results and positive social and environmental
outcomes.
? Institutional & business
model assessment
? Portfolio review
? IT/MIS assessment
? Delivery channels
assessment
UNDERSTAND
THE INSTITUTION
? Market demand
study
? Competitor
analysis
? Regulatory/
operating
environment
review
UNDERSTAND
THE MARKET
? Short and long term
strategic
recommendations
? Financial impact
projections
? Necessary
implementation steps
DEVELOP AN
APPROPRIATE STRATEGY
AND BUSINESS PLAN
? Strategy and
management
? Products and market
segmentation
? Credit processes and
risk management
? Sales and delivery
channels
? IT and MIS
IMPLEMENT OPERATIONAL
IMPROVEMENTS
DELIVERING MEASURABLE BUSINESS RESULTS
We systematically assess clients’ unique business
drivers to achieve the optimal balance between
operating effciency and high asset quality, as well
as stabilise or strengthen net interest margins while
controlling non-interest expense.
We address both the asset and liability sides of the
balance sheet to analyse markets, refne strategies,
launch new products, and strengthen institutional
systems, policies and procedures to help clients
proftably, effciently and sustainably meet the
fnancial needs of:
n households and individuals by developing
demand-driven products including savings,
insurance, and credit to fnance mortgages, home
and energy effciency improvements
n women, youth, and other marginalised individuals
often excluded from the fnancial system
n micro, small and medium enterprises (MSMEs)
by advising on both deposit and credit services,
including clean energy fnance
n agribusinesses, small-scale farmers, and other
businesses along the value chain.
www.encludesolutions.com
After Enclude assisted Ecobank in institutionalising best
practices in SME fnance, the bank’s performing SME portfolio
increased signifcantly across the six West African affliates.
January 9, 2014
Enclude is an advisory frm dedicated to building an inclusive and prosperous global economy. We provide integrated capacity
and capital services that help clients and partners design, connect, fnance and build solutions that generate sustainable
business results and positive social and environmental outcomes. Enclude’s committed professionals work in fve registered
offces (Netherlands, United States, United Kingdom, Pakistan, India) and in project locations across the world, including Sub-
Saharan Africa, Asia, Latin America and the Caribbean, Europe and Central Asia.
The choice between social and fnancial outcomes is not an “either/or.”
It’s an “and.” — Jesse Fripp, Enclude, Managing Director, Capacity Solutions
To learn more about our work in Inclusive Finance, please contact
Lauren Moser Counts, [email protected].
n Institutional assessments and diagnostics
n Corporate governance
n Asset liability management
n Internal audit and control
n Strategy and business planning
n Market research and segmentation
n Human resources strategy and development
n Credit scoring
n Product development and roll-out
n Underwriting policies and procedures
n Credit process re-engineering
n Portfolio monitoring and work-out
n Strengthening information technology and
management information systems
n Microfnance transformation
n Implementation, change management
n Turnaround strategy and management
n Greenfelds
n Environmental and social performance management
systems
n Capital structure and capital raising
n Related nonfnancial services such as fnancial
education, value chain analysis, women and youth
entrepreneurship and clean energy development.
SERVICES AND SOLUTIONS
www.encludesolutions.com
As a result of Enclude’s South Asia Microsavings Initiative,
660,000 low income households in Pakistan, India and
Bangladesh have new savings accounts and fve million
households in Bangladesh now have mobile banking
accounts. At one bank alone, more than 300,000 new
savings accounts were opened.
Enclude developed the Agriculture Lending Toolkit on
behalf of USAID. A pilot project in Ghana, DRC, and Nigeria,
it has now been rolled out to fve commercial banks. At one
bank, the agricultural loan portfolio grew nine-fold during the
frst year.
affliated with
doc_413190827.pdf
Abstract explain achieving sustainable business results through financial inclusion.
Inclusive Finance
Achieving sustainable business
results through fnancial inclusion
Strong fnancial institutions are the backbone of sustainable economies. We help commercial
banks, microfnance and nonbank fnancial institutions increase their effciency, market share
and proftability by providing integrated capacity and capital solutions that can meet the
needs of greater numbers of un(der)served households and businesses.
RESPONSIVE SOLUTIONS
Applying extensive global expertise to on-the-ground
realities, our interdisciplinary practitioner teams
work with clients to design, connect, fnance and
build demand-driven solutions that yield sustainable
business results and positive social and environmental
outcomes.
? Institutional & business
model assessment
? Portfolio review
? IT/MIS assessment
? Delivery channels
assessment
UNDERSTAND
THE INSTITUTION
? Market demand
study
? Competitor
analysis
? Regulatory/
operating
environment
review
UNDERSTAND
THE MARKET
? Short and long term
strategic
recommendations
? Financial impact
projections
? Necessary
implementation steps
DEVELOP AN
APPROPRIATE STRATEGY
AND BUSINESS PLAN
? Strategy and
management
? Products and market
segmentation
? Credit processes and
risk management
? Sales and delivery
channels
? IT and MIS
IMPLEMENT OPERATIONAL
IMPROVEMENTS
DELIVERING MEASURABLE BUSINESS RESULTS
We systematically assess clients’ unique business
drivers to achieve the optimal balance between
operating effciency and high asset quality, as well
as stabilise or strengthen net interest margins while
controlling non-interest expense.
We address both the asset and liability sides of the
balance sheet to analyse markets, refne strategies,
launch new products, and strengthen institutional
systems, policies and procedures to help clients
proftably, effciently and sustainably meet the
fnancial needs of:
n households and individuals by developing
demand-driven products including savings,
insurance, and credit to fnance mortgages, home
and energy effciency improvements
n women, youth, and other marginalised individuals
often excluded from the fnancial system
n micro, small and medium enterprises (MSMEs)
by advising on both deposit and credit services,
including clean energy fnance
n agribusinesses, small-scale farmers, and other
businesses along the value chain.
www.encludesolutions.com
After Enclude assisted Ecobank in institutionalising best
practices in SME fnance, the bank’s performing SME portfolio
increased signifcantly across the six West African affliates.
January 9, 2014
Enclude is an advisory frm dedicated to building an inclusive and prosperous global economy. We provide integrated capacity
and capital services that help clients and partners design, connect, fnance and build solutions that generate sustainable
business results and positive social and environmental outcomes. Enclude’s committed professionals work in fve registered
offces (Netherlands, United States, United Kingdom, Pakistan, India) and in project locations across the world, including Sub-
Saharan Africa, Asia, Latin America and the Caribbean, Europe and Central Asia.
The choice between social and fnancial outcomes is not an “either/or.”
It’s an “and.” — Jesse Fripp, Enclude, Managing Director, Capacity Solutions
To learn more about our work in Inclusive Finance, please contact
Lauren Moser Counts, [email protected].
n Institutional assessments and diagnostics
n Corporate governance
n Asset liability management
n Internal audit and control
n Strategy and business planning
n Market research and segmentation
n Human resources strategy and development
n Credit scoring
n Product development and roll-out
n Underwriting policies and procedures
n Credit process re-engineering
n Portfolio monitoring and work-out
n Strengthening information technology and
management information systems
n Microfnance transformation
n Implementation, change management
n Turnaround strategy and management
n Greenfelds
n Environmental and social performance management
systems
n Capital structure and capital raising
n Related nonfnancial services such as fnancial
education, value chain analysis, women and youth
entrepreneurship and clean energy development.
SERVICES AND SOLUTIONS
www.encludesolutions.com
As a result of Enclude’s South Asia Microsavings Initiative,
660,000 low income households in Pakistan, India and
Bangladesh have new savings accounts and fve million
households in Bangladesh now have mobile banking
accounts. At one bank alone, more than 300,000 new
savings accounts were opened.
Enclude developed the Agriculture Lending Toolkit on
behalf of USAID. A pilot project in Ghana, DRC, and Nigeria,
it has now been rolled out to fve commercial banks. At one
bank, the agricultural loan portfolio grew nine-fold during the
frst year.
affliated with
doc_413190827.pdf