Bill & Melinda Gates Foundation
Topics / Financial Services for the Poor

Fewer than 10 percent of the world's poor have access to safe, affordable financial services. We are working with a wide range of public and private partners to help make microfinance—particularly savings accounts—widely accessible to poor people throughout the developing world.

Learn more below and visit the program page for more details about our work in this area.

A new dawn for financial inclusion in Indonesia?

Indonesia’s financial inclusion efforts are being re-energized by political will, the pervasiveness of digital ID, digital payments and a world-class fintech ecosystem. Millions of unbanked people in the country could be included in the next few years.

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An Open-Source Approach to Anti-Poverty

With our partners in the tech and fintech industries, we are proud to announce the release of new open-source software for creating digital payments systems that connect financial providers and poor populations like never before. If we can increase access to digital banking, we can help reduce poverty and build an economy that includes and benefits everyone.

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Mobile-based Islamic Microloans: Benefits Beyond Shariah Compliance to Deepen Financial Inclusion Across Faiths

Digital credit products like M-Shwari, KCB M-Pesa, Equitel’s Eazzy Loan, Tala and Branch have been extremely successful at providing access to credit for millions of people in East Africa. The convenience, reach, and efficiency of these lending products has resulted in the financial inclusion of a large percentage of people who have traditionally not had access to financial services. The products are accessed either through an app or USSD.

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Want to get gender equality? Involve men, but put women in charge.

Recently, we took a look at our data on community groups across 3 multi-country projects, to see what was most effective for women’s economic empowerment. The answer might surprise you: involve men, but put women in leadership.

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Digital Finance is the New Source of Economic Development

The unbanked people of the world are so much more than a population in need of help. They’re a potential customer base waiting to enter the formal economy—and push it to new heights.

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