Financial Inclusion: Mercy Corps' Approach and Capacity

There are over two billion people excluded from, or underserved by financial services. Of them, one billion live on less than US$1.25 a day relying on cash for everyday transactions and long-term use. Financial inclusion is not an end to itself, but rather a means to an end - it is an essential ingredient in reducing poverty and achieving inclusive economic growth. Mercy Corps’ financial inclusion approach is evidence-based and adheres to market development principles. It builds systems that include and serve poor clients, beginning in each market where Mercy Corps works with an understanding how and why the financial market does not currently work for low-income or vulnerable populations.

We strive for full financial inclusion for the unserved and chronically underserved and in areas affected by conflict, natural disasters, and economic and political crisis. Mercy Corps embraces a broad definition of financial inclusion, seeking to improve access, ensure quality and actual usage of financial products and services, including credit, insurance, leasing, payments, remittances, and savings.

Mercy Corps’ financial inclusion theory of change states: Within inclusive financial systems, if participants are able to access, use, and afford a range of financial services then they will better manage economic assets to cope with shocks and stresses, adapt to changing circumstances, and transform their lives.

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Check out our latest report:
Financing the Frontier: Inclusive Financial Sector Development in Fragility-Affected States in Africa ▸

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