全球小額信貸市場規模（按類型、提供者、最終用戶、地區和預測）

小額信貸市場規模及預測

2024 年小額信貸市場規模為 2,175 億美元，預計到 2032 年將達到 4,088.9 億美元，2026 年至 2032 年的複合年成長率為 8.21%。

小額信貸是指針對無法獲得傳統業務及相關服務的個人和小型企業提供的一類金融服務。這些服務通常提供給無力獲得金融服務的失業和低收入個人或群體。小額信貸的目標是為貧困人口提供自立的機會。

市場促進因素

擴大金融包容性，惠及無銀行帳戶族群－對金融包容性的渴望，尤其是在開發中國家，是全球小額信貸業務的主要驅動力。根據 Verified Market Research 的數據，全球約有 14 億人沒有銀行帳戶銀行帳戶，而小額信貸機構為他們提供了獲取信貸和金融服務的關鍵途徑。隨著小額信貸滿足銀行帳戶的需求，小額信貸行業正在迅速擴張。

增加對中小微型企業（MSME）的支持力度－中小微型企業嚴重依賴小額信貸服務獲取資金。根據國際金融公司（IFC）的數據，全球整體中小微型企業面臨5.2兆美元的融資缺口，6,500萬家企業缺乏充足的金融服務。小額信貸產業已成為中小企業融資的重要來源，隨著中小企業尋求靈活的資金籌措選擇，小額信貸市場正在不斷擴張。

更重視增強婦女經濟權能－小額信貸有助於增強婦女經濟權能，尤其是在開發中國家。根據《2021年小額信貸晴雨表》，全球約80%的小額信貸借款人為女性，這凸顯了市場在增強婦女金融包容性和支持創業活動方面發揮的作用，進一步促進了市場擴張。

主要挑戰

高利率－小額信貸產業面臨的主要批評之一是通常收取的高利率。高利率源自於高營運成本和高風險因素，被批評為剝削性的。

過度負債－過度負債風險是小額信貸客戶關注的問題。過度負債和無力償還貸款被認為是確保小額信貸模式永續性的關鍵挑戰。

監管挑戰－許多國家對小額信貸產業的監管力度日益加強。如何平衡促進金融包容性與保護消費者的需求，對監管機構和市場參與企業而言都是一項微妙的挑戰。

主要趨勢

數位轉型—小額信貸產業正在迅速數位化，擴大利用數位平台來簡化業務並改善客戶體驗，從貸款申請到支付和還款。

重視影響力衡量－人們越來越重視衡量和報告小額信貸活動的社會影響力。投資者和相關人員要求有透明且可量化的指標來評估小額信貸在實現其社會目標方面的有效性。

產品多樣化－小額信貸機構正在超越基本的信貸服務，推出小額保險、小額儲蓄等專門的金融產品，以滿足低收入群體的多樣化需求。

小額信貸市場區域分析

小額信貸市場的區域分析如下：

亞太地區：

根據 Verified Market Research 的調查，預計亞太地區將在預測期內主導小額信貸市場。該地區正經歷政府主導的金融包容性舉措的激增，旨在為銀行帳戶提供負擔得起的金融服務。根據 2021 年全球金融包容性資料庫 (Global Findex Database)，全球約有 17 億成年人沒有銀行帳戶，其中大多數位於亞太地區。截至 2022 年，印度的 Pradhan Mantri Jan Dhan Yojana 等舉措已使銀行帳戶銀行帳戶數量增加了 4.6 億多，極大地刺激了對小額信貸的需求。

亞太地區中小微型企業的崛起帶動了對小額信貸服務的需求不斷成長。光是在印度，中小微型企業就貢獻了約30%的GDP，並僱用了超過1.11億人。根據亞洲開發銀行的報告，2020年亞太地區中小微型企業的融資缺口將達到2.7兆美元，凸顯了小額信貸在支持企業成長和經濟發展方面發揮的關鍵作用。

此外，亞太地區有很大一部分人口居住在農村地區，這些地區正規銀行服務的取得管道有限。根據世界銀行的數據，截至2021年，東南亞超過50%的人口居住在農村地區，其中許多人依靠小額信貸機構獲得貸款。例如，孟加拉的格萊珉銀行已覆蓋超過900萬借款人，為農村地區提供了至關重要的信貸管道，並增強了服務匱乏地區的經濟穩定性。

北美：

預計北美地區將在預測期內實現最高成長率。北美，尤其是美國，擁有不斷成長的移民人口，他們依賴小額信貸機構獲取資金和金融服務。根據移民政策研究所的數據，截至2020年，美國共有5,100萬移民，約佔總人口的15%。許多移民利用小額信貸服務創辦小型企業，推動了該地區的市場發展。

儘管北美銀行滲透率很高，但仍有相當一部分人口銀行帳戶或銀行帳戶，這催生了對替代金融服務的需求。美國聯邦存款保險公司 (FDIC) 在 2021 年報告稱，約有 4.5% 的美國家庭（590 萬戶）銀行帳戶，14.1% 的銀行帳戶，依賴小額信貸機構獲得貸款和信貸。

此外，北美的政府計劃和非營利組織致力於擴大女性和少數族群企業家的金融包容性。根據美國全國婦女商業委員會的數據，截至2020年，美國共有1,300萬家女性擁有的企業。其中許多企業家依靠小額信貸機構獲得小額貸款，從而刺激了北美小額信貸產業的發展。

目錄

第1章 全球小額信貸市場簡介

• 市場概覽
• 研究範圍
• 先決條件

第2章執行摘要

第3章：已驗證的市場研究調查方法

• 資料探勘
• 驗證
• 第一手資料
• 資料來源列表

第4章 全球小額信貸市場展望

• 概述
• 市場動態
  • 驅動程式
  • 限制因素
  • 機會
• 波特五力模型
• 價值鏈分析

第5章全球小額信貸市場類型

• 概述
• 團體貸款
• 個人貸款

6. 全球小額信貸市場（依提供者）

• 概述
• 銀行
• 非銀行金融機構
• 小額信貸機構

7. 全球小額信貸市場（依最終用戶）

• 小型企業
• 微企業

8. 全球小額信貸市場（按地區）

• 概述
• 北美洲
  • 美國
  • 加拿大
  • 墨西哥
• 歐洲
  • 德國
  • 英國
  • 法國
  • 義大利
  • 西班牙
  • 其他歐洲國家
• 亞太地區
  • 中國
  • 日本
  • 印度
  • 其他亞太地區
• 世界其他地區
  • 拉丁美洲
  • 中東和非洲

第9章全球小額信貸市場競爭格局

• 概述
• 各公司市場排名
• 主要發展策略

第10章 公司簡介

• Bandhan Bank
• Bank Rakyat Indonesia
• BRAC
• Compartamos Banco
• Grameen Bank
• ASA
• SKS Microfinance
• Al Amana Microfinance
• Accion International
• Access Bank

第11章 重大進展

• 推出/開發服務類型
• 合併與收購
• 業務擴展
• 夥伴關係與合作

第12章 附錄

• 相關調查

Microfinance Market Size And Forecast

Microfinance Market size was valued at USD 217.5 Billion in 2024 and is projected to reach USD 408.89 Billion by 2032, growing at a CAGR of 8.21% from 2026 to 2032.

Microfinance is defined as a category of financial services targeting individuals and small businesses who lack access to conventional banking and related services.These services are typically provided to unemployed or low-income individuals or groups who otherwise have no means to gain financial services.The goal of microfinance is to give impoverished people an opportunity to become self-sufficient.

Key Market Drivers

Expanding Financial Inclusion for Unbanked Populations: The desire for financial inclusion, particularly in developing countries, is a key driver of the worldwide microfinance business. According to Verified Market Research, around 1.4 billion individuals worldwide are unbanked, with microfinance institutions providing crucial access to credit and financial services for this demographic. As microfinance meets the requirements of unbanked people, the industry expands swiftly.Rising Support for Micro, Small, and Medium Enterprises (MSMEs): MSMEs rely largely on microfinance services to obtain capital. According to the International Finance Corporation (IFC), MSMEs face a $5.2 trillion financing gap globally, with 65 million enterprises lacking adequate access to financial services. The microfinance industry has emerged as a critical source of capital for smaller businesses, fueling market expansion as small businesses seek flexible financing options.

Increasing Focus on Women's Economic Empowerment: Women represent a significant portion of microfinance borrowers, as these services help empower women economically, especially in developing nations. According to the Microfinance Barometer 2021, around 80% of microfinance borrowers globally are women, showcasing the market's role in enhancing financial inclusion for women and supporting their entrepreneurial activities, further driving market expansion.

Key Challenges

High Interest Rates: One of the main criticisms faced by the microfinance sector is the high interest rates that are often charged. These rates, which are necessitated by high operational costs and risk factors, are being seen as potentially exploitative by some critics.

Over-indebtedness: There are concerns about the risk of over-indebtedness among microfinance clients. Multiple borrowing and the inability to repay loans are being identified as significant challenges that need to be addressed to ensure the sustainability of the microfinance model.

Regulatory Challenges: The microfinance sector is being subjected to increasing regulatory scrutiny in many countries. Balancing the need for consumer protection to promote financial inclusion is being seen as a delicate challenge for regulators and market participants alike.

Key Trends

Digital Transformation: The microfinance sector is being rapidly digitalized. From loan applications to disbursements and repayments, digital platforms are being increasingly used to streamline operations and improve customer experience. Focus on Impact Measurement: There is a growing emphasis on measuring and reporting the social impact of microfinance activities. Investors and stakeholders are increasingly demanding transparent and quantifiable metrics to assess the effectiveness of microfinance in achieving its social goals.Diversification of Products: Microfinance institutions are expanding beyond basic credit services. Micro-insurance, micro-savings, and other specialized financial products are being introduced to meet the diverse needs of low-income clients.

Microfinance Market Regional Analysis

The regional analysis of the microfinance market is provided below:

Asia Pacific:

According to Verified Market Research, Asia Pacific is estimated to dominate the microfinance market over the forecast period. The Asia-Pacific region has witnessed a surge in government-led financial inclusion initiatives aimed at providing affordable financial services to the unbanked population. According to the Global Findex Database 2021, nearly 1.7 billion adults worldwide remain unbanked, with a significant portion located in the Asia-Pacific. Initiatives such as India's Pradhan Mantri Jan Dhan Yojana have added more than 460 million bank accounts as of 2022, significantly boosting microfinance demand.

The rise of MSMEs in Asia-Pacific has led to increased demand for microfinance services. In India alone, MSMEs contribute around 30% to GDP and employ over 111 million people. The Asian Development Bank reported that the funding gap for MSMEs in the Asia-Pacific region stood at $2.7 trillion in 2020, highlighting the vital role microfinance plays in supporting business growth and economic development.

Furthermore, a large portion of the Asia-Pacific population resides in rural areas where access to formal banking services is limited. According to the World Bank, as of 2021, more than 50% of the population in Southeast Asia lives in rural areas, with many relying on microfinance institutions for credit. For example, Bangladesh's Grameen Bank has reached over 9 million borrowers, providing critical access to rural credit and enhancing economic stability in underserved regions.

North America:

The North American region is expected to exhibit the highest growth rate during the forecast period. North America, particularly the United States, has a growing immigrant population that relies on microfinance institutions for access to capital and financial services. According to the Migration Policy Institute, as of 2020, there were 51 million immigrants in the U.S., comprising about 15% of the total population. Many immigrants use microfinance services to start small businesses, driving the market in the region.

Despite the high banking penetration in North America, a substantial portion of the population remains unbanked or underbanked, creating demand for alternative financial services. The Federal Deposit Insurance Corporation (FDIC) reported in 2021 that approximately 4.5% of U.S. households (or 5.9 million) were unbanked, and 14.1% were underbanked, relying on microfinance institutions for loans and credit.

Furthermore, government initiatives and non-profit organizations in North America have been focusing on increasing financial inclusion for women and minority entrepreneurs. According to the National Women's Business Council, there are 13 million women-owned businesses in the U.S. as of 2020. Many of these entrepreneurs depend on microfinance institutions for small loans, which has fueled the growth of the microfinance sector in North America.

Global Microfinance Market: Segmentation Analysis

The Microfinance Market is being segmented based on Type, Provider, End-user, and Geography.

Microfinance Market, By Type

• Group Lending
• Individual Lending

Based on Type, the market is segmented into Group Lending and Individual Lending. The group lending segment is estimated to dominate the market over the forecast period. Group lending models, where loans are provided to a group of borrowers who collectively guarantee each other's debts, are being favored due to their lower risk and higher repayment rates. This model is particularly popular in rural areas and among women borrowers. However, individual lending is also gaining traction, especially in urban areas and for larger loan amounts, as it offers more flexibility to borrowers.

Microfinance Market, By Provider

• Banks
• Non-Banking Financial Institutions
• Micro Finance Institutions

Based on Provider, the market is segmented into Banks, Non-Banking Financial Institutions, and Micro Finance Institutions. Microfinance institutions (MFIs) are projected to hold the largest market share during the forecast period. MFIs are being recognized for their specialized focus on serving low-income clients and their ability to reach remote areas. However, banks are also increasingly entering the microfinance space, leveraging their existing infrastructure and resources to serve this market segment.

Microfinance Market, By End-user

• Small Enterprises
• Micro Enterprises

Based on End User, the market is segmented into Small Enterprises and Micro Enterprises. The micro enterprises segment is estimated to dominate the market. Microfinance is particularly effective in supporting micro-enterprises, which often lack access to traditional banking services. These enterprises, which include small-scale traders, artisans, and farmers, are being seen as key drivers of economic growth and job creation in developing economies.

Microfinance Market, By Geography

• Asia Pacific
• North America
• Europe
• Rest of the World

Based on Geography, the microfinance market is classified into Asia Pacific, North America, Europe, and the Rest of the World. The Asia Pacific region is estimated to dominate the market during the forecast period. This dominance is being attributed to the region's large unbanked population, supportive government policies, and the rapid adoption of digital financial services. Countries like India, Bangladesh, and Indonesia are being seen as key markets driving growth in the region.

Key Players

• The "Microfinance Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Bandhan Bank, Bank Rakyat Indonesia, BRAC, Compartamos Banco, Grameen Bank, ASA, SKS Microfinance, Al Amana Microfinance, Accion International, and Access Bank.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

• Microfinance Market Recent Developments
• In December 2023, Grameen Bank launched a new digital platform to streamline loan applications and disbursements, aiming to reduce processing times and improve customer experience. In October 2023, BRAC announced a partnership with a major tech company to develop AI-powered credit scoring models, which are expected to improve risk assessment and expand access to microfinance services. In August 2023, Accion International introduced a new micro-insurance product targeting small-scale farmers, which is designed to protect against crop failures due to climate change.

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL MICROFINANCE MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL MICROFINANCE MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porter's Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL MICROFINANCE MARKET, BY TYPE

• 5.1 Overview
• 5.2 Group Lending
• 5.3 Individual Lending

6 GLOBAL MICROFINANCE MARKET, BY PROVIDERS

• 6.1 Overview
• 6.2 Banks
• 6.3 Non-Banking Financial Institutions
• 6.4 Micro Finance Institutions

7 Microfinance Market, By End-user

• 7.1 Small Enterprises
• 7.2 Micro Enterprises

8 GLOBAL MICROFINANCE MARKET, BY GEOGRAPHY

• 8.1 Overview
• 8.2 North America
  • 8.2.1 U.S.
  • 8.2.2 Canada
  • 8.2.3 Mexico
• 8.3 Europe
  • 8.3.1 Germany
  • 8.3.2 U.K.
  • 8.3.3 France
  • 8.3.4 Italy
  • 8.3.5 Spain
  • 8.3.6 Rest of Europe
• 8.4 Asia Pacific
  • 8.4.1 China
  • 8.4.2 Japan
  • 8.4.3 India
  • 8.4.4 Rest of Asia Pacific
• 8.5 Rest of the World
  • 8.5.1 Latin America
  • 8.5.2 Middle East and Africa

9 GLOBAL MICROFINANCE MARKET COMPETITIVE LANDSCAPE

• 9.1 Overview
• 9.2 Company Market Ranking
• 9.3 Key Development Strategies

10 COMPANY PROFILES

• 10.1 Bandhan Bank
  • 10.1.1 Overview
  • 10.1.2 Financial Performance
  • 10.1.3 Service Type Outlook
  • 10.1.4 Key Developments
• 10.2 Bank Rakyat Indonesia
  • 10.2.1 Overview
  • 10.2.2 Financial Performance
  • 10.2.3 Service Type Outlook
  • 10.2.4 Key Developments
• 10.3 BRAC
  • 10.3.1 Overview
  • 10.3.2 Financial Performance
  • 10.3.3 Service Type Outlook
  • 10.3.4 Key Developments
• 10.4 Compartamos Banco
  • 10.4.1 Overview
  • 10.4.2 Financial Performance
  • 10.4.3 Service Type Outlook
  • 10.4.4 Key Developments
• 10.5 Grameen Bank
  • 10.5.1 Overview
  • 10.5.2 Financial Performance
  • 10.5.3 Service Type Outlook
  • 10.5.4 Key Developments
• 10.6 ASA
  • 10.6.1 Overview
  • 10.6.2 Financial Performance
  • 10.6.3 Service Type Outlook
  • 10.6.4 Key Developments
• 10.7 SKS Microfinance
  • 10.7.1 Overview
  • 10.7.2 Financial Performance
  • 10.7.3 Service Type Outlook
  • 10.7.4 Key Developments
• 10.8 Al Amana Microfinance
  • 10.8.1 Overview
  • 10.8.2 Financial Performance
  • 10.8.3 Service Type Outlook
  • 10.8.4 Key Developments
• 10.9 Accion International
  • 10.9.1 Overview
  • 10.9.2 Financial Performance
  • 10.9.3 Service Type Outlook
  • 10.9.4 Key Developments
• 10.10 Access Bank
  • 10.10.1 Overview
  • 10.10.2 Financial Performance
  • 10.10.3 Service Type Outlook
  • 10.10.4 Key Developments

11 KEY DEVELOPMENTS

• 11.1 Service Type Launches/Developments
• 11.2 Mergers and Acquisitions
• 11.3 Business Expansions
• 11.4 Partnerships and Collaborations

12 Appendix

• 12.1 Related Research