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The Dilemma of Microsavings as a Financial Inclusion Tool: Regulatory and Market Trends in Mexico

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NOPOOR POLICY BRIEF No 50 THE DILEMMA OF MICROSAVINGS AS A FINANCIAL INCLUSION TOOL (EGAP).pdf (395.8Kb)
Date
2017
Publishing date
04-2017
Collection title
NOPOOR Policy Brief
Collection Id
50
Dewey
Economie financière
Sujet
Microfinance; Mexico
JEL code
G.G1.G15; G.G1.G18
URI
https://basepub.dauphine.fr/handle/123456789/18133
Collections
  • Projet Nopoor
Metadata
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Author
Aragón, Edgar
240376 Instituto Tecnologico y de Estudios Superiores de Monterrey
Type
Rapport
Item number of pages
6
Abstract (EN)
Prior to 2001, almost all microfinance institutions (MFIs) which offer credit and savings services to the poor in Mexico were part of the informal economy. As the government committed itself to formalizing them in order to secure people’s savings, it faced major operational and political obstacles. Ten years later, new legislation allowed private actors to generate business models targeting the poor and expanding financial inclusion, but which also set up a fierce competition to profit from the “base of the pyramid”. This brief discusses the policy dilemmas involved in the process of expanding financial inclusion in Mexico. Further, it focuses on the lessons learned which can be applied to developing countries with an innovative private sector in the process of implementing digital and mobile technologies in the financial sector.

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