世界银行-从抵押品到现金流：扩大尼日利亚女性企业主的融资渠道（英）-2024.4-8页

PublicDisclosureAuthorizedPublicDisclosureAuthorizedCaseStudyApril2024FROMCOLLATERALTOCASHFLOW:EXPANDINGACCESSTOFINANCEFORNIGERIA’SFEMALEBUSINESSOWNERSAuthors:ArielGruver,TriciaKoroknay-Palicz,SreelakshmiPapineni,SarmadShaikh,andSiegfriedZottelPublicDisclosureAuthorizedSUMMARYPublicDisclosureAuthorizedWomeninNigeriaarestartingandgrowingbusinessesataremarkablerateThiscasestudywasproducedbyofferingavastuntappedmarketforbusinesslending.TheWorldBank,throughtheWorldBank’sAfricaGenderitsNigeriaWomenEntrepreneursFinanceInitiative(We-Fi)1,partneredwiththeInnovationLab(GIL)andFinance,DevelopmentBankofNigeria(DBN)andtwocommercialbanksinNigeria–Competitiveness,andInnovationAccessBankandSterlingBank–todevelopinnovativecreditsolutionsthat(FCI)GlobalPractice.Thecaseexpandaccesstofinanceforwomenentrepreneurs.ThesecreditsolutionsstudyprovidesinsightsfromthereducerelianceoncollateralinlendingdecisionsbyleveragingdatatoassessNigeriaWomenEntrepreneurscredit-worthinessandmanagerisk.GenderinequalityinownershipofassetsthatFinanceInitiative(We-Fi)projectcanserveascollateralisoneofthemainbarriersfacedbywomenentrepreneurspreviouslyledbySiegfriedZottelinaccessingfinanceinNigeriaandbeyond.AccessBank’scashflow-basedandnowledbyHadijaKamayolendingproductforsmall-andmedium-enterprises(SMEs),forexample,uses(bothWorldBank,SeniorFinancia...