Articles

Is Technology Enough to Plug the SME Financing Gap?

Technology is revolutionising trade finance while facilitating lending to small businesses by tech giants such as PayPal, Amazon and Alibaba. But is this enough to fill the $1500bn global trade finance gap? Stefania Palma from The Banker investigates.

Articles

Articles

How to Select the Best SE Asian Marketplace Lending Platforms
In this short paper, Terry Tse contrasts U.S. and Asian regulations, describes the emerging P2P business environment in Asia (which appears to be extremely well positioned for growth), explains the key structural incentives Asian P2P lenders have implemented to discourage borrowers from defaulting, and concludes with practical suggestions to help...
Africa Could Leapfrog into Digital Finance Leadership
Africa presents the ideal environment in which to evolve a new cash and payments services architecture – by linking rapidly changing customer expectations with new technologies. This puts banks squarely at the center of mediating the creative clash of trends and technology, as Africa’s financial institutions harness disruption for innovation and...
SME Securitization in Europe – from the European Investment Fund
The recovery of the (SME-) securitization market is also one of the focus areas of the Capital Markets Union (CMU) and the European Commission intends to revive securitization with the objective “to ensure that it can act." This article summarizes the latest situation and latest developments of the SME securitisation (SMESec) market in Europe...
Have the Portfolio Diversification Strategies of Kenyan Microfinance Banks Failed?
In this blog Joyce Murithi and Wanjiku Kiarie analyze the financial performance of five select MFBs in Kenya from 2012 – 2016, analyzing key performance trends, providing insights with actionable recommendations to mitigate the challenges experienced across the industry. With the lessons learned over the past five years, a second transformation in...
Tony Elumelu: Africapitalists Builds the Continent's Future
Tony O. Elumelu, C.O.N, Chairman at Heirs Holdings in Nigeria, pens an article on how African entrepreneurs are being supported by financial services to create a strong economic system on the continent. He describes how his institution has supported more than 10,000 African entrepreneurs over the last 10 years with funding and mentoring. The...
Recommendations for Crafting a MSME Policy in India
Micro, Small and Medium Enterprises (MSMEs) continue to be citadels adorning the industrial map of India. The recommendations of Dr Prabhat Kumar Committee hold promise for unveiling a new chapter in the Indian business ecosystem for crafting a MSME policy. An enabling and integrated MSME policy for well-functioning and sick MSMEs will provide...
How to Get Collateral Free SME Loans in India
The inability to provide collateral has been a major hindrance for small and medium enterprises (SMEs) seeking loans to fund their working capital needs, finance their expansion or take advantage of growth opportunities. Although the government has been taking steps to provide the necessary financing to SMEs, traditional lending institutions offer...
Speakers’ Top Picks for BAI Beacon 2017
With more than 70 sessions spanning eight stages, BAI Beacon is so packed with content it can prove a challenge to decide which speakers and topics you should plan to attend. BAI Beacon's team asked the speakers themselves who they most look forward to hearing speak at the event. With the Oct. 4-5 conference just weeks away, see what our CEO Matt...
Grid Finance CEO Derek F. Butler has plans to revolutionise the way SMEs access capital in Ireland
SME lender Grid Finance’s CEO Derek F. Butler, shares how the company is expanding its offering to include a digital pension product targeted at the owners of small businesses. Grid will act as distributor and has engaged Conexim to provide the back office infrastructure on the product. The company is riding high after receiving a €3m equity...
Fintech Startups Can Help Banks Bridge the Gap in SME Lending in India
India’s more than 50-million strong SME sector, employs close to 40 percent of the country’s total workforce and contributes 45 percent of the total industrial output. While large banks and NBFCs have catered to SME loan requirements in the past, there is still a huge gap to be bridged between demand and supply. Akshay Sarma writes on how this can...