Publication database

A partir de encuestas nacionales de ingreso y gasto del hogar, el informe aporta información sobre el tamaño del mercado de la BDP, sus características socioeconómicas, la segmentación, los patrones de gasto y factores relacionados con la demanda; así como de los modelos de negocio, los canales de distribución y los insumos que han permitido que las empresas sirvan de manera exitosa a este segmento de la población en América Latina y el Caribe.

In the past decade, some insurance associations have expanded beyond their traditional core functions to develop insurance consumer education (ICE) programmes. While the motivations for doing so are diverse, ICE programs ultimately aim to improve the perception, and spread the culture, of insurance.

Microinsurance Paper #34 discusses the different approaches available to insurance associations in Latin America to effectively deliver ICE. Emphasis is placed on a business model for associations, while providing key general lessons and links to useful reference material. The discussion is based on a review of the experiences of insurance associations in Brazil, Colombia, and Mexico. 

This report examines how companies that serve the Base of Pyramid (BOP) use broadband to improve the efficiency of their operations and better reach this market segment in Latin America and the Caribbean. It explores broadband-enabled BOP business models, the ecosystem in which they operate, the benefits and challenges of broadband adoption, and the role of public policy and regulation.

This case study showcases the PUPA business, which joined the Business Call to Action with a commitment to provide early childhood educational programmes to hundreds of thousands of children between 0 and 6 years of age in low-income communities while creating employment opportunities for low-income women micro-entrepreneurs in Brazil. It outlines the company's goals, how the business model works, the business and development impacts, and the key success factors.

This factsheet briefly describes nine job centres in eight cities of Colombia which offer business counselling, entrepreneurship training, and career opportunities particularly to internally displaced persons, women, indigenous people and persons with disabilities.

This case study focuses on the inclusive business model of Duoc UC, a non-profit, private institution of higher education with 13 campuses in Chile. In contrast to five- or six-year university programmes, Duoc UC offers affordable two year technical degrees and four-year professional degrees as well as student loan financing through private banks and the government Credit Guaranteed by the State (CAE) program. The case describes the inclusive business model, the company's commercial drivers, results achieved as well as IFC's role and value add.

This case study focuses on the inclusive business model of Ideal Invest S.A. (Ideal), a private provider of student loans in Brazil. Programme applicants are not required to have bank accounts, but must demonstrate, among other conditions, that their monthly family income is sufficient to meet loan payments. Interest rates vary according to programmes and courses, and participating universities share some of the costs in order to make the loans more affordable to students. The case describes the inclusive business model, the company's commercial drivers, results achieved as well as IFC's role and value add.

This case study focuses on the inclusive business model of Faculdade Mauricio de Nassau (FMN). Faculdade Mauricio de Nassau’s mission is to offer flexible, relevant, quality education at affordable prices. It targets low- and middle-income students in north and north-eastern Brazil, a region where private sector options for education are minimal despite relatively rapid economic growth. The case describes the inclusive business model, the company's commercial drivers, results achieved as well as IFC's role and value add.

This report includes a set of 31 case studies on IFC’s portfolio companies with inclusive business models. The presented companies are profitably providing goods, services, and livelihood opportunities to the Base of the Pyramid. In the case studies the reader gets an insight in the specific background of the companies, the business models as well as drivers for the specific business models and results of the latter.