基于(关键地区、市场参与者、规模和份额)的小额信贷市场 - 到 2030 年的预测

  • Report Code : TIPRE00039053
  • Category : Banking, Financial Services, and Insurance
  • Status : Data Released
  • No. of Pages : 150
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小额信贷市场规模和趋势

小额信贷市场规模预计将从 274.3 美元增长2023 年为 10 亿美元,到 2031 年将达到 5,287 亿美元;预计 2023 年至 2031 年复合年增长率将达到 8.6%。从传统贷款向小额信贷的转变预计将提振市场。

小额信贷市场分析

小额信贷行业正在拥抱技术进步,以增强其服务和覆盖范围。这包括移动银行、数字支付和创新金融技术的使用。这些小额信贷市场趋势为小额信贷机构及其客户提供了更大的可及性、效率和便利性。市场越来越关注社会影响和可持续性。

小额信贷市场概述

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  • 小额信贷是指向通常被排除在传统银行系统之外的低收入个人或群体提供的金融服务条款。它旨在通过提供小额营运资金贷款、小额贷款或小额信贷,重点关注边缘化人群,特别是妇女和边缘化人群的财务需求。然而,小额信贷机构 (MFI) 也可以提供其他金融服务,例如转账、保险和储蓄账户。
  • 小额信贷的主要目标是改善那些在经济上被排除在外的人获得金融服务的机会,促进自给自足和经济独立。它为个人和社区提供启动或扩展业务、管理风险和增强财务弹性的手段,在赋予个人和社区权力方面发挥着至关重要的作用。
  • 小额信贷在发展中国家尤为重要,因为这些国家有相当多的人口缺乏金融服务。获得正规信贷或储蓄。通过提供量身定制的金融和非金融服务,小额信贷机构为扶贫、经济发展和实现联合国可持续发展目标做出了贡献。
  • 该市场近年来经历了稳定增长,这种增长反映了日益增长的需求认识到普惠金融的重要性以及小额信贷可以对个人和企业产生的积极影响。

战略见解

小额信贷市场驱动因素

从传统贷款向小额信贷转变,推动小额信贷市场发展

 

  • 在多种因素的推动下,市场见证了从传统贷款向小额信贷的重大转变。这种转变给金融格局带来了积极的变化,特别是对于以前被排除在获得正规金融服务之外的低收入个人和群体而言。向小额信贷转变的主要因素之一是促进金融普惠的目标。
  • 传统贷款机构往往有严格的资格标准并要求抵押品,导致低收入个人难以获得信贷。另一方面,小额信贷机构专注于为金融服务不足的人群提供金融服务,使他们能够获得小额贷款、小额信贷和其他金融产品。
  • 小额信贷因其减轻贫困和促进可持续发展的潜力而受到认可。通过为个人提供创办或扩大业务的手段,小额信贷有助于创造创收机会、减少失业率和提高生活水平。这种社会影响引起了各国政府、国际组织和影响力投资者的关注和支持,进一步推动了小额信贷市场的增长。

小额信贷

市场报告细分分析

  • 根据提供商,市场分为银行、小额信贷机构(MFI)、非银行金融机构 (NBFI) 等。预计到 2023 年,银行业务将在小额信贷市场占有相当大的份额。
  • 银行是传统的金融机构,提供广泛的金融服务,包括贷款、储蓄账户和其他银行产品。在小额信贷背景下,银行在向低收入个人和微型企业提供金融服务方面发挥着重要作用。它们可能会提供小额信贷、小额保险和其他针对服务不足人群的需求量身定制的金融产品。
  • 银行通常拥有更广泛的客户群和广泛的基础设施,这使它们成为市场中的重要组成部分。小额信贷机构是为无法充分获得传统银行服务的低收入个人提供金融服务的专门组织。
  • 小额信贷机构注重金融包容性,旨在通过提供小额贷款、小额信贷、储蓄账户、保险来帮助金融服务不足的人群、及其他金融产品。它们通常针对边缘化人群,包括妇女、农村社区和小规模企业家,预计这将进一步促进小额信贷市场的增长。
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战略见解

按地理位置划分的小额信贷市场份额分析

小额信贷市场报告的范围小额信贷

市场报告范围

“小额信贷市场分析”是根据提供商、最终用户和地理位置进行的。就提供商而言,市场分为银行、小额金融机构(MFI)、非银行金融机构(NBFI)等。根据最终用户,市场分为小型企业、微型企业和个体企业家或个体经营者。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲和南美洲。

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国家/地区覆盖范围

报告属性

详情

2023年市场规模

2743亿美元

2031 年市场规模

5287 亿美元

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全球复合年增长率(2023-2031)

8.6%

实际数据

2021  2023

预测时期

2024年 – 2031年< /p>

报告覆盖范围

市场规模和预测(美元)、市场驱动因素和预测趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况

细分市场

提供商(银行、小额金融机构 (MFI)、非银行金融机构 (NBFI) 等);最终用户(小型企业、微型企业、个体企业家或个体经营者);和地理。

区域覆盖范围

北美、欧洲、亚太地区、南美、中东和非洲

美国;加拿大;墨西哥;英国;德国;法国;俄罗斯、意大利;中国;印度;日本;韩国;澳大利亚;沙特阿拉伯;阿联酋;南非;巴西;阿根廷

市场领导者和主要公司简介

印度尼西亚人民银行 (BRI);安纳布尔纳小额信贷列兵。有限公司;班丹金融服务列兵。有限公司; CDC小企业金融公司; Cashpor小额信贷;格莱珉美国公司;基瓦;马杜拉小额信贷有限公司;太平洋社区风险投资公司;和 ESAF 小型金融银行

小额信贷

< strong>市场新闻和最新动态

企业在市场上采取并购等无机和有机策略。小额信贷市场预测是根据各种二级和一级研究结果估算的,例如主要公司出版物、协会数据和数据库。下面列出了近期的一些关键市场动态:

  • 2024 年 2 月,爱立信和挪威电信小额信贷银行 (TMB) 进一步加强了合作伙伴关系,并共同致力于促进巴基斯坦的金融包容性和赋权。两家公司最近签署了多年合作伙伴关系延期协议,旨在增强 Easypaisa 提供的金融服务并扩大金融科技领域的产品范围。此次合作旨在利用两家公司的专业知识和资源,推动巴基斯坦个人和企业金融服务的增长和普及。

[来源:Telefonaktiebolaget LM Ericsson,公司网站]

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小额信贷

市场报告覆盖范围和市场报告可交付成果

关于“小额信贷市场规模和预测(2021 年 - 2031 年)”的市场报告,提供了详细的信息市场分析涵盖以下领域-

  • 市场规模和市场规模对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
  • 市场动态,例如驱动因素、限制因素和关键机遇。
  • 主要未来趋势。
  • 详细的 PEST 和分析SWOT 分析
  • 全球和区域市场分析,涵盖主要市场趋势、关键参与者、法规和近期市场发展。
  • 行业格局和竞争分析,涵盖市场集中度、热图分析、关键参与者、近期发展。
  • 详细的公司简介。
Report Coverage
Report Coverage

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

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

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

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


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

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

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 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.

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.

  • 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:

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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:

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  • 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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