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by Okonkwo Sunday 08097223518 for more, Inclusive business finance refers to capital that supports the creation, growth, and sustainability of entrepreneurs, small holders, and small enterprises who were previously excluded from the financial markets. The instruments used in inclusive business finance include (but are not necessarily limited to) debt, equity, quasi-equity, grants, insurance, guarantees, development finance and various shared risk instruments and mechanisms. The definition of inclusive business finance also goes beyond exclusively referring to the funding activities of regulated and non-regulated, formal and informal, financial services providers. It also includes the provision of a variety of financial resources (guarantees, loans, equity, leasing) by corporations to small holders and micro-small and medium-sized enterprises (MSMEs) as distributors and suppliers within their value chains.〔See UNDP AFIM - www.undp.org/Africa/privatesector〕 ==Background== Financial inclusion improves the range, quality and availability of financial services to the under-served and the financially excluded (the poor).〔Stein, Peer, “Towards Universal Access: Addressing the Global Challenge of Financial Inclusion” - Paper presented at the Korea-World Bank High Level Conference on Post-Crisis Growth and Development, co-organized by the Presidential Committee for the G-20 Summit and the World Bank with the support of the Korea Institute for International Economic Policy (KIEP), June 3–4, 2010, Busan, Korea〕 In the context of financial inclusion for enterprise and business purposes, (“inclusive finance” )〔Stein, Peer, "Towards Universal Access: Addressing the Global Challenge of Financial Inclusion", 2010, p.10〕 falls within the context of inclusive business models that offer sustainable business solutions and finance models that expand access to goods, services, and livelihood opportunities for low-income communities. Inclusive business models involve conducting business with low-income populations within a company’s value chain by incorporating them in the supply, production, distribution and/or marketing of the company's goods and services. This engagement creates new jobs, boosts income, improves technical skills and expands local capacity. Poorer consumers can benefit from products and services that meet their needs in affordable and appropriate ways.〔See www.ifc.org/inclusivebusiness〕 By focusing on commercial viability, these models have demonstrated the potential to be scaled up to engage thousands, even millions, of lower-income individuals. The important emphasis is on establishing a relationship through the company’s core business, rather than on providing philanthropic support. The concept of financial inclusion as a way to view a financial system has become increasingly widespread after first being articulated in 2005 at the end of the (UN International Year of Micro-credit ). An inclusive financial system is one that services all clients, not just the relatively well-off. This means that it is necessary to reach out to low-income clients and provide them with affordable financial products and services tailored to their needs. An (inclusive financial system ) is one that recognizes both the market potential and the development opportunities of providing banking and financial services to the poorer communities. This generally involves fostering: * sound institutions - ensured by self-regulation and standard setting, performance monitoring and sound prudential regulation; * financial and institutional sustainability - ensuring the ability of financial service providers, including microfinance institutions (MFIs) and commercial banks, to continue to provide access for poorer customers to financial services over time; * multiple providers of financial services - to bring down costs and provide a variety of alternatives to clients, including sound private, nonprofit and public providers; and * a broad range of financial services - including credit, savings, insurance, remittances, pensions and mortgages. In many countries, those with low income do not even have access to basic savings accounts. Therefore, they do not have access to more advanced financial services that could provide security, predictability and the seeds of economic growth for their households. An inclusive financial sector supports the full participation of lower income households in the financial system. There is now a significant body of research that shows that having access to financial services is a critical tool necessary for both economic growth and human development. Global experience also shows clearly that the poor can be reliable clients, and that institutions that service their needs effectively enjoy profitable business from this segment of the market. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Inclusive business finance」の詳細全文を読む スポンサード リンク
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