Financial Inclusion


Whether it is digital payments, resilience for MSMEs or financial integrity, much of our work is underpinned by the desire to create more inclusive financial systems and services. Cenfri has successfully implemented several multi-year financial inclusion programmes:

Our view is that while financial inclusion targets (such as the percentage of adults with a bank account) are valid, they don’t tell you much when tracked in isolation. It is important to understand whether people use their financial services, and if so, whether this enables them to meet their needs. We have developed six financial inclusion measurement frameworks that outline this expanded understanding of financial inclusion.

We are aware of the importance of women’s financial inclusion and apply a gender lens to much of our work. 

Financial Inclusion

New approaches to measuring financial inclusion

Financial inclusion has evolved from a grass-root microfinance movement in the 1980s to a mainstream item on the development agenda. Its increasing prominence is attested, amongst others, by the formation of the G20 Global Partnership for Financial Inclusion (GPFI), the recognition of financial inclusion in the Sustainable Development Goals and

Financial Inclusion

Diving into the data

Micro, small, and medium-sized enterprises (MSMEs) are recognised globally as a major engine of growth and employment creation. Access to finance is their most commonly cited barrier to growth. The IFC estimates that there are between 200 and 245 million formal and informal MSMEs in developing countries that do not

Financial Inclusion

MAP DRC diagnostic and roadmap to financial inclusion

The Democratic Republic of the Congo (DRC) may be one of the most challenging environments for financial services. From both a provider and consumer perspective, infrastructure, a rapidly changing financial services landscape and regional disparities pose significant challenges to the market. In 2014, the Ministry of Finance formally requested UNCDF’s

Digital Transformation & Data

DataHack4FI innovation competition

DataHack4FI is an innovation competition bringing together data enthusiasts and financial service providers (FSPs) to promote the use of data-driven decision-making in financial inclusion. insight2impact (i2ifacility) was funded by Bill & Melinda Gates Foundation in partnership with Mastercard Foundation. The programme was established and driven by Cenfri and Finmark Trust.

Digital Transformation & Data

The tip of the (data) iceberg in Uganda

Faith owns a small fruit-selling business in Uganda. Like most small business owners in Uganda, Faith started her enterprise with her own income and lacks access to finance to grow beyond the few fruit stalls she owns. She doesn’t keep full financial records and lives most of her life informally

Financial Inclusion

MAP Madagascar diagnostic and roadmap to financial inclusion

MAP Madagascar 2017 found that the island state has a largely agrarian population vulnerable to the extremes of nature: 72% of adults depended on agriculture, more than 4.2m adults experienced a climate-related shock in the preceding year, and at least 40% reported being uncertain about whether they will have food

Digital Transformation & Data

DataHack4FI – Data innovation competition

The Datahack4FI innovation competition in Rwanda. insight2impact (i2ifacility) was funded by Bill and Melinda Gates Foundation in partnership with Mastercard Foundation. The programme was established and driven by Cenfri and Finmark Trust.

Digital Transformation & Data

Zambia DataHack4FI Hackathon

Highlights, Friday 24th – Sunday 26th March 2017. insight2impact (i2ifacility) was funded by Bill and Melinda Gates Foundation in partnership with Mastercard Foundation. The programme was established and driven by Cenfri and Finmark Trust.

Digital Transformation & Data

Deriving value from spatial data

Megan Yates – Ixioanalytics insight2impact (i2ifacility) was funded by Bill and Melinda Gates Foundation in partnership with Mastercard Foundation. The programme was established and driven by Cenfri and Finmark Trust.