Comprehensive approach

The initiatives take a two-pronged approach, addressing both the demand and supply sides of financial inclusion. This involves enhancing financial literacy and knowledge among refugees and host communities, while also working with policy-makers and financial services providers (FSPs) to create a more enabling environment.

Tailored financial education (FE) 

The programme adapts FE training to local contexts, translating content and tailoring stories and characters to make it relevant. This includes addressing specific cultural and religious needs, such as ensuring loan products are Sharia-compliant for Muslim populations.  

Innovative financial products

The initiatives pilot and adapt financial products to meet the specific needs of the target groups, such as group lending products and loans without the same capital requirements as commercial banks. Each product is grounded in the context and client needs.

Strong partnerships

Partnerships with various stakeholders, including national institutions, international organizations and local NGOs, are a significant strength. These partnerships help make the most of resources and expertise and ensure that interventions are well integrated into national strategies and programmes on financial inclusion.