Promoting Best Practices in SME Finance

Banking on Education: The Demand for Finance from Low-Cost Private Schools

Low cost private schools represent a growing SME segment that is vastly underbanked. These schools educate millions of low-income children, and offer an opportunity to improve the quality of education in Africa. CapPlus researchers interviewed 998 school proprietors in five African cities and concluded that financial institutions can support schools in growing, improving their financial management and the children’s learning outcomes – all as a profit-generating line of business.

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School’s In: The Banker’s View On Delivering Protable Services To Private Schools

To explore the market opportunity for financing private schools from a banker’s perspective, CapPlus interviewed managers at financial institutions in nine countries to learn their view on delivering profitable services that help schools build infrastructure, run operations, and improve education quality. The bottom line: schools are a larger opportunity than first-movers have captured. This paper explores the reasons why, and provides recommendations for pursuing this market segment.

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Financing Low-Cost Schools: the Market Opportunity in Kampala, Uganda

More than 80% of Kampala’s children are educated in low-cost private schools. This article summarizes CapPlus’ findings after interviewing 223 school proprietors as well as local education officials.

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Financing Low-Cost Schools: the Market Opportunity in Nairobi, Kenya

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Financing Low-Cost Schools: the Market Opportunity in Lusaka, Zambia

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Financing Low-Cost Schools: the Market Opportunity in Abuja, Nigeria

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Financing Low-Cost Schools: the Market Opportunity in Dar es Salaam, Tanzania

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A Review of the IDP Rising Schools Program at Sinapi Aba in Ghana

Trying to serve a rural, low income population is never an easy task for a financial institution – and providing finance to the affordable private primary schools that serve this market is even tougher. A unique pairing of a funder, the IDP Foundation based in Chicago, Illinois, and an MFI lender in Ghana, Sinapi Aba, developed a formula that profitably serves this market, reaching the “higher hanging fruit” among private schools. The program demonstrates that commercial financial institutions can be sustainably lending to low cost private schools.

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Full Report: Financing Low-Cost Private Schools in Kampala, Uganda

Read the complete market analysis CapPlus conducted on low-cost schools in Kampala in 2016.

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Small Business Banking Network: A story of innovation

Read about CapPlus’ SBBN, the first global network dedicated to the use of peer learning and industry building to increase access to SME finance.

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Other Documents

Corporate Capabilities

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Credit Scoring Workshop Preview

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Loan Monitoring Webinar Supplement: Sample Report Templates

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Supply Chain Finance Inside Out: Reducing Credit Risk

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Strengthening women-owned SMEs in Turkey: Lessons for other localities

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Foreign Exchange Risk for Small Business Banks: Case Study on XacBank

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Championing Middle Managers

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Research Publications

"Bottleneck for Growth: the Human Capital Issue"

Urmi Sengupta (CapitalPlus Exchange).

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"Evaluating Poverty Outreach of Small Business Lending: a Study of BRAC Bank, Bangladesh"

Clifton Kellogg, Lynn Pikholz (CEO, CapitalPlus Exchange), Geetha Nagarajan (IRIS Center, University of Maryland), and Sameera Fazili (Yale Law School).

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"No Footsteps to Follow: The talent gap in the development finance sector in India"

Peg Ross (Grameen Foundation), Lyndon Rego (Center for Creative Leadership), Anna Muoio and Chris Hosmer (Continuum), and Urmi Sengupta (CapitalPlus Exchange)

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