Rapporto sull'analisi delle dimensioni e delle quote del mercato della microfinanza | Previsioni 2031

  • Report Code : TIPRE00039053
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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Microfinance Market Growth, Trends, and Forecast | 2031

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Dimensioni e tendenze del mercato della microfinanza

Si prevede che le dimensioni del mercato della microfinanza aumenteranno da 274,3 USD miliardi di dollari nel 2023 a 528,7 miliardi di dollari entro il 2031; si prevede che si espanderà a un CAGR dell'8,6% dal 2023 al 2031. Si prevede che il passaggio dai prestiti tradizionali alla microfinanza darà impulso al mercato.

 

Mercato della microfinanza Analisi

 

Il settore della microfinanza sta abbracciando i progressi tecnologici per migliorare i propri servizi e la propria portata. Ciò include l’uso di servizi bancari mobili, pagamenti digitali e tecnologie finanziarie innovative. Queste tendenze del mercato della microfinanza consentono una maggiore accessibilità, efficienza e convenienza sia per gli istituti di microfinanza che per i loro clienti. L'attenzione all'impatto sociale e alla sostenibilità all'interno del mercato è amplificata.

Panoramica del mercato della microfinanza

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  • La microfinanza si riferisce ai termini dei servizi finanziari a individui o gruppi a basso reddito che sono generalmente esclusi dai sistemi bancari tradizionali. Mira a concentrarsi sui bisogni finanziari delle popolazioni emarginate, in particolare delle donne e della popolazione emarginata, offrendo piccoli prestiti di capitale circolante, microprestiti o microcredito. Tuttavia, gli istituti di microfinanza (MFI) possono anche fornire altri servizi finanziari come trasferimenti di denaro, assicurazioni e conti di risparmio.
  • L'obiettivo principale della microfinanza è migliorare l'accesso ai servizi finanziari per coloro che sono finanziariamente esclusi, promuovendo l'autosufficienza e indipendenza economica. Svolge un ruolo cruciale nel conferire potere agli individui e alle comunità fornendo loro i mezzi per avviare o espandere le proprie attività, gestire i rischi e costruire resilienza finanziaria.
  • La microfinanza è particolarmente importante nei paesi in via di sviluppo, dove una parte considerevole della popolazione è priva accesso al credito formale o al risparmio. Offrendo servizi finanziari e non finanziari su misura, le istituzioni di microfinanza contribuiscono alla riduzione della povertà, allo sviluppo economico e al raggiungimento degli obiettivi di sviluppo sostenibile delle Nazioni Unite.
  • Il mercato ha registrato una crescita costante negli ultimi anni, questa crescita riflette la crescente riconoscimento dell'importanza dell'inclusione finanziaria e dell'impatto positivo che la microfinanza può avere su individui e imprese.

Fattori del mercato della microfinanza

Passaggio dal prestito tradizionale alla microfinanza per guidare il mercato della microfinanza

  • Il mercato ha assistito a un passaggio significativo dai prestiti tradizionali alla microfinanza, guidato da diversi fattori. Questo cambiamento ha comportato cambiamenti positivi nel panorama finanziario, in particolare per gli individui e i gruppi a basso reddito che in precedenza erano esclusi dall’accesso ai servizi finanziari formali. Uno dei principali fattori del passaggio alla microfinanza è l'obiettivo di promuovere l'inclusione finanziaria.
  • Gli istituti di credito tradizionali spesso hanno criteri di ammissibilità rigorosi e richiedono garanzie, rendendo difficile l'accesso al credito per le persone a basso reddito. Le istituzioni di microfinanza, d'altro canto, si concentrano sulla fornitura di servizi finanziari a chi è finanziariamente svantaggiato, consentendo loro di accedere a piccoli prestiti, microcredito e altri prodotti finanziari.
  • La microfinanza è riconosciuta per il suo potenziale nell'alleviare la povertà e nel contribuire allo sviluppo sostenibile. Fornendo agli individui i mezzi per avviare o espandere le proprie attività, la microfinanza aiuta a creare opportunità di generazione di reddito, a ridurre la disoccupazione e a migliorare gli standard di vita. Questo impatto sociale ha attirato l'attenzione e il sostegno di governi, organizzazioni internazionali e investitori ad alto impatto, guidando ulteriormente la crescita del mercato della microfinanza.

 

Microfinanza Analisi della segmentazione dei rapporti di mercato

 

  • In base al fornitore, il mercato è segmentato in banche, istituti di microfinanza (MFI), istituzioni finanziarie non bancarie (NBFI) e altri. Si prevede che il segmento bancario deterrà una sostanziale quota di mercato della microfinanza nel 2023.
  • Le banche sono istituti finanziari tradizionali che offrono un'ampia gamma di servizi finanziari, inclusi prestiti, conti di risparmio e altri prodotti bancari. Nel contesto della microfinanza, le banche svolgono un ruolo significativo nel fornire servizi finanziari a individui a basso reddito e microimprese. Possono offrire microcredito, microassicurazione e altri prodotti finanziari su misura per le esigenze della popolazione svantaggiata.
  • Le banche hanno spesso una base di clienti più ampia e infrastrutture estese, che le rendono un segmento importante nel mercato. Gli istituti di microfinanza sono organizzazioni specializzate che forniscono servizi finanziari a individui a basso reddito che hanno un accesso inadeguato ai servizi bancari tradizionali.
  • Le IFM si concentrano sull'inclusione finanziaria e mirano a dare potere a chi è finanziariamente svantaggiato offrendo microprestiti, microcredito, conti di risparmio, assicurazioni e altri prodotti finanziari. Spesso prendono di mira le popolazioni emarginate, tra cui donne, comunità rurali e piccoli imprenditori, il che, si prevede, favorirà ulteriormente la crescita del mercato della microfinanza.

 

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Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

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to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

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to country scope.

Frequently Asked Questions


Which are the key players holding the major market share of the microfinance market?

The key players holding majority shares in the market are Bandhan Financial Services Pvt. Ltd.; CDC Small Business Finance Corp.; Cashpor Micro Credit; Grameen America Inc.; and KIVA.

What will be the market size for the microfinance market by 2031?

The market is expected to reach US$ 528.7 billion by 2031.

What is the estimated market size for the microfinance market in 2023?

The market was estimated to be US$ 274.3 billion in 2023 and is expected to grow at a CAGR of 8.6% during the forecast period 2023 - 2031.

What are the future trends of the microfinance market?

Increased focus on social impact and sustainability is anticipated to play a significant role in the market in the coming years.

What are the driving factors impacting the microfinance market?

Shift from traditional loaning to microfinance and lower operating costs and reduced market risk are the major factors that propel the market.

  • Bank Rakyat Indonesia (BRI)
  • Annapurna Microfinance Pvt. Ltd.
  • Bandhan Financial Services Pvt. Ltd.
  • CDC Small Business Finance Corp.
  • Cashpor Micro Credit
  • Grameen America Inc.
  • KIVA
  • Madura Microfinance Ltd.
  • Pacific Community Ventures
  • ESAF Small Finance Bank

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

  • Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

  • Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.

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