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Articles by Patrick Spaven
Opening the Black Box on the Impact of Inclusive Credit
Inclusive credit — formal and semi-formal credit designed to reach low-income borrowers underserved by conventional finance — is one of the most celebrated and contested tools in development. This Focus Note reframes that debate. Rather than asking whether credit works, it asks: for which borrowers, through what product designs, and under what conditions does inclusive credit generate meaningful benefit rather than harm?
Opening the Black Box on the Impact of Inclusive Credit
Skip to main content Inclusive credit, formal and semi-formal credit designed to reach low-income borrowers underserved by conventional finance, is one of the most celebrated and contested tools in development. This Focus Note reframes that debate. Rather than asking whether credit works, it asks: for which borrowers, through what product designs, and under what conditions does inclusive credit generate meaningful benefits rather than harm?
Midiendo la salud financiera: Findex amplía su alcance
La salud financiera está ganando protagonismo en las agendas políticas globales -desde las cumbres del G20 hasta las conferencias de la ONU- a medida que los países enfrentan la volatilidad económica y una creciente vulnerabilidad de los hogares.
¿Impulsa el microcrédito el crecimiento del empleo? Esto es lo que demuestra la evidencia
En la próxima década, más de mil millones de jóvenes alcanzarán la edad laboral en las economías en desarrollo. Con las tendencias actuales, alrededor del 40% de estos jóvenes, en su mayoría mujeres, no encontrarán un empleo. Es por esto que no sorprende que el Banco Mundial y otros actores globales hayan identificado la creación de empleo como una de las necesidades más urgentes de las economías en desarrollo.
Patrick Spaven | CGAP
Financial Well-being – A Concept That Has Come of Age The GPFI’s 2024 G20 Policy Note on Financial Well-Being offers a clear framework for linking financial inclusion to meaningful outcomes. It highlights how financial policies, consumer protection, and digital innovation can drive progress, shaping lives far beyond access to services.
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