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Revision 2 PRODUCTS FOR THE BOP MARKET • Designing Effective Products • The Subprime Fallacy PRODUCTS FOR THE BOP MARKET • Housing Microfinance • Radical Simplification • Partnering for Product Creation THREE PRODUCTS: INSURANCE, HOUSING FINANCE, & REMITTANCES • Designing Microinsurance Products and Services • Health Insurance • Housing Finance THREE PRODUCTS: INSURANCE, HOUSING FINANCE, & REMITTANCES • Remittances MODELS AND CORPORATE CHOICES • CORPORATE CHOICES MODELS AND CORPORATE CHOICES • CORPORATE CHOICES • Champions of Inclusive Finance MODELS AND CORPORATE CHOICES • Strategic Questions MODELS AND CORPORATE CHOICES • Strategic Questions • Service Delivery vs. Financing MODELS AND CORPORATE CHOICES • In-House vs. Partnerships • Social Responsibility Positioning COMMERCIAL BANKS AS MICROLENDERS • • • • Physical and human infrastructure Market presence and brand recognition. Access to plentiful and low-cost funds. Low cost structure. COMMERCIAL BANKS AS MICROLENDERS • Why is it, then, that banks have not moved faster into microenterprise lending? COMMERCIAL BANKS AS MICROLENDERS • Incredulity, Ignorance, and Indifference COMMERCIAL BANKS AS MICROLENDERS • Models of Downscaling COMMERCIAL BANKS AS MICROLENDERS • Microlending Needs Its Own Room COMMERCIAL BANKS AS MICROLENDERS • Service Company Models • PARTNERS AT THE LAST MILE: RETAILERS, BANKING AGENTS, AND INSURANCE COMPANIES • MODELS OF FINANCING INCLUSIVE FINANCE • BUILDING THE INFRASTRUCTURE FOR INCLUSIVE FINANCE:THE ENABLING ENVIRONMENT