Small and Medium Enterprise Finance
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International Finance Corporation, Washington, DC
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This update considers new findings since
the initial Stocktaking report, substantiating the
contribution of the private sector, and of small and medium
enterprises (SMEs) in particular, for new jobs and
investment. These findings further illustrate the key role
access to finance plays in SMEs abilities and willingness
to add jobs including the special circumstances of
fast-growing SMEs, or gazelles. The new findings further
detail availability and gaps in SME financing, including for
specific subsectors such as women-owned firms and
agri-enterprises. New trends include progress made in recent
years to improve financial markets infrastructure, and
expanded lending in countries such as China, which have made
progress in this area. The findings also include key private
sector innovations pioneered by the SME Finance Challenge
winners and other private sector institutions, focusing on
key sector opportunities (such as agribusiness and energy),
product innovation (such as expanded local currency
options), and risk management alternatives. The new findings
and trends highlight the potential of collaborative
platforms that have emerged from the G-20/GPFI (Global
Partnership for Financial Inclusion) process to combine
resources to improve SME access to finance, and some of the
major outstanding issues and obstacles these platforms might
address. The conclusion provides recommendations for
priority issues and work areas for G-20/GPFI attention.
Palabras clave
ACCESS TO ACCOUNTS, ACCESS TO CREDIT, ACCESS TO EDUCATION, ACCESS TO FINANCE, ACCESS TO FINANCIAL SERVICES, ACCESS TO FORMAL FINANCE, ACCOUNTS RECEIVABLE, ADVISORY SERVICES, AGRICULTURAL BANK, AGRICULTURAL FINANCE, ALTERNATIVE CREDIT, ALTERNATIVE FINANCING, ALTERNATIVE SOURCES OF FINANCING, ANGEL INVESTOR, ANGEL INVESTORS, ANTI-MONEY LAUNDERING, ASYMMETRIC INFORMATION, BALANCE SHEET, BANK ACCOUNT, BANK ACCOUNTS, BANK LENDING, BANKERS ASSOCIATION, BANKING SERVICES, BANKING SYSTEM, BANKS, BARRIERS IN ACCESS, BARRIERS TO GROWTH, BARRIERS TO WOMEN, BORROWER, BORROWING, BUSINESS DEVELOPMENT, BUSINESS DEVELOPMENT BANK, BUSINESS TRANSACTIONS, CAPACITY BUILDING, CAPITAL FINANCE, CAPITAL INJECTIONS, CAPITAL MARKET, CAPITAL MARKETS, CAPITAL REQUIREMENTS, CASH FLOW, CASH FLOWS, CENTRAL BANK, CENTRAL BANKS, CHECKING ACCOUNT, COLLATERAL, COMMERCIAL BANK, COMMERCIAL BANKS, CORRUPTION, CREDIT BUREAUS, CREDIT CEILING, CREDIT GAP, CREDIT GUARANTEE, CREDIT GUARANTEES, CREDIT INFORMATION, CREDIT INFORMATION SYSTEMS, CREDIT MARKETS, CREDIT PRODUCTS, CREDIT RISK, CREDIT UNDERWRITING, CREDITOR, CREDITWORTHINESS, CUSTOMER SERVICE, DEBT, DEBT FINANCE, DEBT FINANCING, DEPOSIT, DEPOSIT ACCOUNT, DEPOSIT ACCOUNTS, DEVELOPMENT BANK, DEVELOPMENT FINANCE, DEVELOPMENT FINANCE INSTITUTIONS, DISCRIMINATION, DISCRIMINATION AGAINST WOMEN, DOCUMENTATION REQUIREMENTS, EARNINGS, ECONOMIC COOPERATION, ECONOMIC GROWTH, ECONOMIC POLICY, EDUCATED WOMEN, ELECTRONIC FORM, ELECTRONIC PAYMENTS, EMERGING ECONOMIES, EMERGING MARKET, EMERGING MARKET COUNTRIES, EMERGING MARKETS, ENTREPRENEURIAL FINANCE, ENTREPRENEURSHIP FINANCING, EQUIPMENT, EQUITY FINANCING, EQUITY FUND, EQUITY FUNDS, EXCHANGE RATE, EXTERNAL FINANCE, EXTERNAL FINANCING, FARMERS, FEDERAL RESERVE, FINANCE INITIATIVE, FINANCIAL ACCESS, FINANCIAL CRISES, FINANCIAL CRISIS, FINANCIAL DEVELOPMENT, FINANCIAL EDUCATION, FINANCIAL FLOWS, FINANCIAL INFRASTRUCTURE, FINANCIAL INSTITUTION, FINANCIAL INSTITUTIONS, FINANCIAL MARKETS, FINANCIAL PRODUCTS, FINANCIAL SECTOR DEVELOPMENT, FINANCIAL SUPPORT, FINANCING NEEDS, FIXED ASSETS, FORMAL FINANCIAL INSTITUTIONS, FORMAL FINANCIAL SERVICES, GENDER, GENDER GAP, GENDER GAPS, GLOBAL ECONOMY, GOVERNMENT BONDS, GOVERNMENT INTERVENTIONS, GOVERNMENT POLICIES, GROWTH OPPORTUNITIES, GUARANTEE FUNDS, GUARANTEE SCHEMES, GUARANTEES FOR LOANS, GUARANTOR, HOUSEHOLDS, IMMOVABLE ASSETS, INFORMATION SERVICES, INFORMATION SHARING, INTEREST RATE, INTEREST RATE CEILINGS, INTEREST RATES, INTERNATIONAL DEVELOPMENT, INTERNATIONAL FINANCE, INTERNATIONAL FINANCIAL INSTITUTIONS, INVENTORY, INVESTMENT BANK, JOB CREATION, KEY CHALLENGE, LABOR MARKET, LENDERS, LIABILITY, LINES OF CREDIT, LIQUIDITY, LOAN, LOAN APPLICANTS, LOCAL CURRENCY, MARKET SEGMENTATION, MATURITY, MERCHANT, MICROCREDIT, MICROENTERPRISES, MICROFINANCE, MICROFINANCE INSTITUTIONS, MORTGAGES, MOVABLE ASSETS, MOVABLE COLLATERAL, NET WORTH, NETWORKING OPPORTUNITIES, NEW BUSINESS, OUTREACH, OUTSTANDING LOANS, OVERDRAFT, OVERDRAFT FACILITIES, PARTIAL CREDIT, PAYMENTS SERVICES, PORTFOLIO, PRIVATE CREDIT, PRIVATE EQUITY, PROFITABILITY, PROMOTION EFFORT, PROPERTY RIGHTS, PUBLIC-PRIVATE PARTNERSHIP, PUBLIC-PRIVATE PARTNERSHIPS, REGULATORY BARRIERS, REPAYMENTS, RISK MANAGEMENT, RISK MITIGATION, RISKY BORROWERS, SAVINGS, SECURITIES, SMALL BANKS, SMALL BUSINESS, SMALL BUSINESS FINANCE, SMALL BUSINESS INVESTMENT, SMALL BUSINESS LENDING, SMALL FARMER, SMALL FARMERS, SMALLHOLDER, SMALLHOLDER FARMERS, SOCIAL VENTURE CAPITAL, SOLVENCY, SPECIAL FINANCING, START-UP, SUPPLY CHAIN, SUPPLY CHAINS, TAX, TAX RATES, TECHNICAL ASSISTANCE, TERM CREDIT, TRADE CREDIT, TRADE FINANCE, TRANSACTION, TRANSACTION COSTS, TREASURY, UNION, WAREHOUSES, WOMAN, WOMAN ENTREPRENEUR, WOMEN BORROWERS, WOMEN BUSINESS OWNERS, WOMEN ENTREPRENEURS, WOMEN OWNERS, WORKING CAPITAL