Policy Note on the Business Environment for Inclusive Business Models
This policy note has two goals. First, to assess whether inclusive business models face specific regulatory hurdles. Second, to recommend policies that creates a business environment conducive to inclusive business. Little research has been conduct...
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| Format: | Policy Note |
| Language: | English en_US |
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Washington, DC
2017
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| Online Access: | http://documents.worldbank.org/curated/en/895841468320669062/Policy-note-on-the-business-environment-for-inclusive-business-models http://hdl.handle.net/10986/27232 |
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okr-10986-27232 |
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oai_dc |
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Digital Repository |
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Foreign Institution |
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Digital Repositories |
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World Bank Open Knowledge Repository |
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World Bank |
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English en_US |
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ACCESS TO FINANCE ACCESS TO FINANCING ADVERSE SELECTION AFFILIATES AFFORDABLE HOUSING AFFORDABLE HOUSING PROGRAM AFFORDABLE PRICES AGRICULTURAL BANKS AGRICULTURAL MARKETS AGRICULTURAL TRADE BANK ACCOUNTS BANK BRANCHES BANK LENDING BANK LOANS BANK REGULATION BANKING ACCOUNTS BANKING SERVICES BANKING SYSTEM BENEFICIARIES BENEFICIARY BEST PRACTICES BORROWER BUSINESS ENVIRONMENT BUSINESS INNOVATION BUSINESS MANAGEMENT BUSINESS MODEL BUSINESS MODELS BUSINESS OPPORTUNITIES BUSINESS PROCESSES BUSINESS STRATEGY BUSINESSES BUYERS CAPACITY BUILDING CAPACITY CONSTRAINTS CASH TRANSFERS CENTRAL BANK CENTRAL BANKS COLLATERAL COLLATERAL FOR BANK LOANS COLLATERAL REQUIREMENTS COMMERCIAL BANKS COMMUNICATION TECHNOLOGY COOPERATIVES CREDIT BUREAUS CREDIT CARDS CREDIT GUARANTEES CREDIT HISTORIES CREDIT TERMS CREDITORS CREDITWORTHINESS CROP INSURANCE DEBT DEBT RECOVERY DEEDS DEPOSIT DEPOSITS DEVELOPING COUNTRIES DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DOMAIN ECONOMIC OPPORTUNITIES ECONOMICS ELECTRICITY EMERGING MARKETS EMPLOYABLE SKILLS ENABLING ENVIRONMENT ENVIRONMENTAL ENVIRONMENTAL MANAGEMENT ENVIRONMENTAL SUSTAINABILITY ENVIRONMENTS EQUIPMENT FARMER FARMS FINANCIAL ACCESS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL REGULATION FINANCIAL SERVICES FINANCIAL SKILLS FINANCIAL SUPPORT FINANCIAL SUSTAINABILITY FINANCIAL SYSTEM FISHERIES FORMAL FINANCIAL INSTITUTIONS GOVERNMENT POLICIES GOVERNMENT SUBSIDIES GOVERNMENT SUBSIDY GOVERNMENT SUPPORT GROWTH STRATEGY HIGH INTEREST RATES HOUSEHOLDS ICT INCOME TAX INFORMATION ON BORROWER INFORMATION TECHNOLOGY INSPECTIONS INSTALLMENTS INSTITUTION INTELLECTUAL PROPERTY INTELLECTUAL PROPERTY PROTECTION INTELLECTUAL PROPERTY RIGHTS INTERNATIONAL DEVELOPMENT INTERNATIONAL FINANCE INTERNATIONAL LAW INTERNATIONAL MARKETS INVENTORY JOB CREATION LAND ADMINISTRATION LAND TITLING LAND VALUES LANDHOLDERS LAWS LEGAL ENVIRONMENTS LENDERS LENDING INSTITUTIONS LENDING TECHNIQUE LICENSES LIVESTOCK INSURANCE LOAN LONG-TERM LOANS LOW-INCOME FAMILIES MANDATES MARKET ACCESS MARKET DEMAND MARKET DEMANDS MARKET DISTORTIONS MARKET FAILURES MARKET INFORMATION MARKET INTEGRATION MARKET PLAYERS MARKET PRICES MARKET SIZE MATCHING GRANTS MATERIAL MICROFINANCE MICROFINANCE INSTITUTIONS MOBILE NETWORK MOBILE PHONE MOBILE PHONES MONEY TRANSFERS MONITORING MECHANISMS MORTGAGE MORTGAGE CREDITS MORTGAGES MULTINATIONAL MUNICIPALITIES NETWORKS NEW BUSINESS NEW MARKETS NEW TECHNOLOGIES NONBANKS ONLINE NETWORK OPEN MARKETS PARTIAL CREDIT PARTIAL GUARANTEES PHONE PENETRATION PHYSICAL PRESENCE POLICY ENVIRONMENT PRIVATE COMMERCIAL BANKS PRIVATE FINANCING PRIVATE INVESTMENT PRIVATE INVESTMENTS PRIVATE INVESTORS PRIVATE PARTNERSHIPS PRIVATE SECTOR PRODUCERS PRODUCTIVITY PROPERTY RIGHTS PUBLIC AGENCIES PUBLIC GOODS PUBLIC POLICY PUBLIC SUBSIDIES PUBLIC UTILITIES PUBLIC-PRIVATE PARTNERSHIPS PURCHASING POWER PURCHASING POWER PARITY QUALITY STANDARDS QUERIES R&D RECEIPTS REGISTRATION FEE REGISTRIES REGULATORY BARRIERS REGULATORY ENVIRONMENT RELIABILITY RESERVE RESERVE BANK RESERVE BANK OF INDIA RESULT RESULTS RURAL COMMUNITIES SECURITIES SMALL FARMERS SMALL LOANS SMART CARD SOCIAL ENTREPRENEURS STORAGE FACILITIES SUBSIDIARY SUPPLY CHAIN SUSTAINABLE DEVELOPMENT TARGETS TECHNICAL ASSISTANCE TECHNICAL ISSUES TECHNOLOGY TRANSFER TELECOMMUNICATION TELECOMMUNICATIONS TELECOMMUNICATIONS PROVIDERS TRADEOFFS TUITIONS UNIVERSAL ACCESS UNIVERSAL ACCESS POLICY URBAN AREAS URBAN HOUSING USER USERS VALUE CHAIN VALUE CHAINS WAREHOUSE WAREHOUSE RECEIPT WAREHOUSE RECEIPT FINANCING WAREHOUSE RECEIPTS WAREHOUSES WILLINGNESS TO PAY |
| spellingShingle |
ACCESS TO FINANCE ACCESS TO FINANCING ADVERSE SELECTION AFFILIATES AFFORDABLE HOUSING AFFORDABLE HOUSING PROGRAM AFFORDABLE PRICES AGRICULTURAL BANKS AGRICULTURAL MARKETS AGRICULTURAL TRADE BANK ACCOUNTS BANK BRANCHES BANK LENDING BANK LOANS BANK REGULATION BANKING ACCOUNTS BANKING SERVICES BANKING SYSTEM BENEFICIARIES BENEFICIARY BEST PRACTICES BORROWER BUSINESS ENVIRONMENT BUSINESS INNOVATION BUSINESS MANAGEMENT BUSINESS MODEL BUSINESS MODELS BUSINESS OPPORTUNITIES BUSINESS PROCESSES BUSINESS STRATEGY BUSINESSES BUYERS CAPACITY BUILDING CAPACITY CONSTRAINTS CASH TRANSFERS CENTRAL BANK CENTRAL BANKS COLLATERAL COLLATERAL FOR BANK LOANS COLLATERAL REQUIREMENTS COMMERCIAL BANKS COMMUNICATION TECHNOLOGY COOPERATIVES CREDIT BUREAUS CREDIT CARDS CREDIT GUARANTEES CREDIT HISTORIES CREDIT TERMS CREDITORS CREDITWORTHINESS CROP INSURANCE DEBT DEBT RECOVERY DEEDS DEPOSIT DEPOSITS DEVELOPING COUNTRIES DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DOMAIN ECONOMIC OPPORTUNITIES ECONOMICS ELECTRICITY EMERGING MARKETS EMPLOYABLE SKILLS ENABLING ENVIRONMENT ENVIRONMENTAL ENVIRONMENTAL MANAGEMENT ENVIRONMENTAL SUSTAINABILITY ENVIRONMENTS EQUIPMENT FARMER FARMS FINANCIAL ACCESS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL REGULATION FINANCIAL SERVICES FINANCIAL SKILLS FINANCIAL SUPPORT FINANCIAL SUSTAINABILITY FINANCIAL SYSTEM FISHERIES FORMAL FINANCIAL INSTITUTIONS GOVERNMENT POLICIES GOVERNMENT SUBSIDIES GOVERNMENT SUBSIDY GOVERNMENT SUPPORT GROWTH STRATEGY HIGH INTEREST RATES HOUSEHOLDS ICT INCOME TAX INFORMATION ON BORROWER INFORMATION TECHNOLOGY INSPECTIONS INSTALLMENTS INSTITUTION INTELLECTUAL PROPERTY INTELLECTUAL PROPERTY PROTECTION INTELLECTUAL PROPERTY RIGHTS INTERNATIONAL DEVELOPMENT INTERNATIONAL FINANCE INTERNATIONAL LAW INTERNATIONAL MARKETS INVENTORY JOB CREATION LAND ADMINISTRATION LAND TITLING LAND VALUES LANDHOLDERS LAWS LEGAL ENVIRONMENTS LENDERS LENDING INSTITUTIONS LENDING TECHNIQUE LICENSES LIVESTOCK INSURANCE LOAN LONG-TERM LOANS LOW-INCOME FAMILIES MANDATES MARKET ACCESS MARKET DEMAND MARKET DEMANDS MARKET DISTORTIONS MARKET FAILURES MARKET INFORMATION MARKET INTEGRATION MARKET PLAYERS MARKET PRICES MARKET SIZE MATCHING GRANTS MATERIAL MICROFINANCE MICROFINANCE INSTITUTIONS MOBILE NETWORK MOBILE PHONE MOBILE PHONES MONEY TRANSFERS MONITORING MECHANISMS MORTGAGE MORTGAGE CREDITS MORTGAGES MULTINATIONAL MUNICIPALITIES NETWORKS NEW BUSINESS NEW MARKETS NEW TECHNOLOGIES NONBANKS ONLINE NETWORK OPEN MARKETS PARTIAL CREDIT PARTIAL GUARANTEES PHONE PENETRATION PHYSICAL PRESENCE POLICY ENVIRONMENT PRIVATE COMMERCIAL BANKS PRIVATE FINANCING PRIVATE INVESTMENT PRIVATE INVESTMENTS PRIVATE INVESTORS PRIVATE PARTNERSHIPS PRIVATE SECTOR PRODUCERS PRODUCTIVITY PROPERTY RIGHTS PUBLIC AGENCIES PUBLIC GOODS PUBLIC POLICY PUBLIC SUBSIDIES PUBLIC UTILITIES PUBLIC-PRIVATE PARTNERSHIPS PURCHASING POWER PURCHASING POWER PARITY QUALITY STANDARDS QUERIES R&D RECEIPTS REGISTRATION FEE REGISTRIES REGULATORY BARRIERS REGULATORY ENVIRONMENT RELIABILITY RESERVE RESERVE BANK RESERVE BANK OF INDIA RESULT RESULTS RURAL COMMUNITIES SECURITIES SMALL FARMERS SMALL LOANS SMART CARD SOCIAL ENTREPRENEURS STORAGE FACILITIES SUBSIDIARY SUPPLY CHAIN SUSTAINABLE DEVELOPMENT TARGETS TECHNICAL ASSISTANCE TECHNICAL ISSUES TECHNOLOGY TRANSFER TELECOMMUNICATION TELECOMMUNICATIONS TELECOMMUNICATIONS PROVIDERS TRADEOFFS TUITIONS UNIVERSAL ACCESS UNIVERSAL ACCESS POLICY URBAN AREAS URBAN HOUSING USER USERS VALUE CHAIN VALUE CHAINS WAREHOUSE WAREHOUSE RECEIPT WAREHOUSE RECEIPT FINANCING WAREHOUSE RECEIPTS WAREHOUSES WILLINGNESS TO PAY International Finance Corporation Policy Note on the Business Environment for Inclusive Business Models |
| description |
This policy note has two goals. First,
to assess whether inclusive business models face specific
regulatory hurdles. Second, to recommend policies that
creates a business environment conducive to inclusive
business. Little research has been conducted on the first
goal. This note analyzes survey answers from companies that
applied to the G20 Challenge. These companies were asked to
rank regulatory obstacles and explain whether these
obstacles created significant hurdles to their ability to
serve the base of the pyramid. On the second goal, this note
highlights policy recommendations for governments,
development finance institutions and donors. It also
includes policy measures specific to countries and contexts.
Some policy measures address regulatory hurdles for
inclusive business models. Others support inclusive business
models by providing incentives when needed. The first
section analyzes survey answers from the 167 applicants for
the G20 Challenge. The starting point was to listen to
businesses a logical place to begin when seeking to improve
the business environment. The second section describes
policy measures for business models that include the base of
the pyramid as producers or suppliers, focusing on
agriculture. Businesses that source from small farmers have
inclusive business models because they integrate farmers in
their value chains. Small farmers are often considered base
of the pyramid if their income is low or they lack basic
goods or services. The third section describes policy
measures for business models that include the base of the
pyramid as customers particularly models that provide
affordable housing, health, education and basic financial
services. In many countries basic services are still mainly
provided by the public sector or recently privatized
companies and more stringent regulations often apply. This
section describes regulations and policies that affect
inclusive business models in these sectors. The fourth
section describes roles for governments, development finance
institutions and donors in supporting inclusive business
models. The business environment is important because
companies that do business with the base of the pyramid need
to understand new markets, understand the market behavior of
base of the pyramid customers, appraise new risks and
develop new systems, business processes and training.
Companies with inclusive business models also face
perceptions from investors and lending institutions that the
base of the pyramid is riskier than other markets. |
| format |
Policy Note |
| author |
International Finance Corporation |
| author_facet |
International Finance Corporation |
| author_sort |
International Finance Corporation |
| title |
Policy Note on the Business Environment for Inclusive Business Models |
| title_short |
Policy Note on the Business Environment for Inclusive Business Models |
| title_full |
Policy Note on the Business Environment for Inclusive Business Models |
| title_fullStr |
Policy Note on the Business Environment for Inclusive Business Models |
| title_full_unstemmed |
Policy Note on the Business Environment for Inclusive Business Models |
| title_sort |
policy note on the business environment for inclusive business models |
| publisher |
Washington, DC |
| publishDate |
2017 |
| url |
http://documents.worldbank.org/curated/en/895841468320669062/Policy-note-on-the-business-environment-for-inclusive-business-models http://hdl.handle.net/10986/27232 |
| _version_ |
1764463452870410240 |
| spelling |
okr-10986-272322021-04-23T14:04:39Z Policy Note on the Business Environment for Inclusive Business Models International Finance Corporation ACCESS TO FINANCE ACCESS TO FINANCING ADVERSE SELECTION AFFILIATES AFFORDABLE HOUSING AFFORDABLE HOUSING PROGRAM AFFORDABLE PRICES AGRICULTURAL BANKS AGRICULTURAL MARKETS AGRICULTURAL TRADE BANK ACCOUNTS BANK BRANCHES BANK LENDING BANK LOANS BANK REGULATION BANKING ACCOUNTS BANKING SERVICES BANKING SYSTEM BENEFICIARIES BENEFICIARY BEST PRACTICES BORROWER BUSINESS ENVIRONMENT BUSINESS INNOVATION BUSINESS MANAGEMENT BUSINESS MODEL BUSINESS MODELS BUSINESS OPPORTUNITIES BUSINESS PROCESSES BUSINESS STRATEGY BUSINESSES BUYERS CAPACITY BUILDING CAPACITY CONSTRAINTS CASH TRANSFERS CENTRAL BANK CENTRAL BANKS COLLATERAL COLLATERAL FOR BANK LOANS COLLATERAL REQUIREMENTS COMMERCIAL BANKS COMMUNICATION TECHNOLOGY COOPERATIVES CREDIT BUREAUS CREDIT CARDS CREDIT GUARANTEES CREDIT HISTORIES CREDIT TERMS CREDITORS CREDITWORTHINESS CROP INSURANCE DEBT DEBT RECOVERY DEEDS DEPOSIT DEPOSITS DEVELOPING COUNTRIES DEVELOPMENT FINANCE DEVELOPMENT FINANCE INSTITUTIONS DOMAIN ECONOMIC OPPORTUNITIES ECONOMICS ELECTRICITY EMERGING MARKETS EMPLOYABLE SKILLS ENABLING ENVIRONMENT ENVIRONMENTAL ENVIRONMENTAL MANAGEMENT ENVIRONMENTAL SUSTAINABILITY ENVIRONMENTS EQUIPMENT FARMER FARMS FINANCIAL ACCESS FINANCIAL DEVELOPMENT FINANCIAL INSTITUTIONS FINANCIAL REGULATION FINANCIAL SERVICES FINANCIAL SKILLS FINANCIAL SUPPORT FINANCIAL SUSTAINABILITY FINANCIAL SYSTEM FISHERIES FORMAL FINANCIAL INSTITUTIONS GOVERNMENT POLICIES GOVERNMENT SUBSIDIES GOVERNMENT SUBSIDY GOVERNMENT SUPPORT GROWTH STRATEGY HIGH INTEREST RATES HOUSEHOLDS ICT INCOME TAX INFORMATION ON BORROWER INFORMATION TECHNOLOGY INSPECTIONS INSTALLMENTS INSTITUTION INTELLECTUAL PROPERTY INTELLECTUAL PROPERTY PROTECTION INTELLECTUAL PROPERTY RIGHTS INTERNATIONAL DEVELOPMENT INTERNATIONAL FINANCE INTERNATIONAL LAW INTERNATIONAL MARKETS INVENTORY JOB CREATION LAND ADMINISTRATION LAND TITLING LAND VALUES LANDHOLDERS LAWS LEGAL ENVIRONMENTS LENDERS LENDING INSTITUTIONS LENDING TECHNIQUE LICENSES LIVESTOCK INSURANCE LOAN LONG-TERM LOANS LOW-INCOME FAMILIES MANDATES MARKET ACCESS MARKET DEMAND MARKET DEMANDS MARKET DISTORTIONS MARKET FAILURES MARKET INFORMATION MARKET INTEGRATION MARKET PLAYERS MARKET PRICES MARKET SIZE MATCHING GRANTS MATERIAL MICROFINANCE MICROFINANCE INSTITUTIONS MOBILE NETWORK MOBILE PHONE MOBILE PHONES MONEY TRANSFERS MONITORING MECHANISMS MORTGAGE MORTGAGE CREDITS MORTGAGES MULTINATIONAL MUNICIPALITIES NETWORKS NEW BUSINESS NEW MARKETS NEW TECHNOLOGIES NONBANKS ONLINE NETWORK OPEN MARKETS PARTIAL CREDIT PARTIAL GUARANTEES PHONE PENETRATION PHYSICAL PRESENCE POLICY ENVIRONMENT PRIVATE COMMERCIAL BANKS PRIVATE FINANCING PRIVATE INVESTMENT PRIVATE INVESTMENTS PRIVATE INVESTORS PRIVATE PARTNERSHIPS PRIVATE SECTOR PRODUCERS PRODUCTIVITY PROPERTY RIGHTS PUBLIC AGENCIES PUBLIC GOODS PUBLIC POLICY PUBLIC SUBSIDIES PUBLIC UTILITIES PUBLIC-PRIVATE PARTNERSHIPS PURCHASING POWER PURCHASING POWER PARITY QUALITY STANDARDS QUERIES R&D RECEIPTS REGISTRATION FEE REGISTRIES REGULATORY BARRIERS REGULATORY ENVIRONMENT RELIABILITY RESERVE RESERVE BANK RESERVE BANK OF INDIA RESULT RESULTS RURAL COMMUNITIES SECURITIES SMALL FARMERS SMALL LOANS SMART CARD SOCIAL ENTREPRENEURS STORAGE FACILITIES SUBSIDIARY SUPPLY CHAIN SUSTAINABLE DEVELOPMENT TARGETS TECHNICAL ASSISTANCE TECHNICAL ISSUES TECHNOLOGY TRANSFER TELECOMMUNICATION TELECOMMUNICATIONS TELECOMMUNICATIONS PROVIDERS TRADEOFFS TUITIONS UNIVERSAL ACCESS UNIVERSAL ACCESS POLICY URBAN AREAS URBAN HOUSING USER USERS VALUE CHAIN VALUE CHAINS WAREHOUSE WAREHOUSE RECEIPT WAREHOUSE RECEIPT FINANCING WAREHOUSE RECEIPTS WAREHOUSES WILLINGNESS TO PAY This policy note has two goals. First, to assess whether inclusive business models face specific regulatory hurdles. Second, to recommend policies that creates a business environment conducive to inclusive business. Little research has been conducted on the first goal. This note analyzes survey answers from companies that applied to the G20 Challenge. These companies were asked to rank regulatory obstacles and explain whether these obstacles created significant hurdles to their ability to serve the base of the pyramid. On the second goal, this note highlights policy recommendations for governments, development finance institutions and donors. It also includes policy measures specific to countries and contexts. Some policy measures address regulatory hurdles for inclusive business models. Others support inclusive business models by providing incentives when needed. The first section analyzes survey answers from the 167 applicants for the G20 Challenge. The starting point was to listen to businesses a logical place to begin when seeking to improve the business environment. The second section describes policy measures for business models that include the base of the pyramid as producers or suppliers, focusing on agriculture. Businesses that source from small farmers have inclusive business models because they integrate farmers in their value chains. Small farmers are often considered base of the pyramid if their income is low or they lack basic goods or services. The third section describes policy measures for business models that include the base of the pyramid as customers particularly models that provide affordable housing, health, education and basic financial services. In many countries basic services are still mainly provided by the public sector or recently privatized companies and more stringent regulations often apply. This section describes regulations and policies that affect inclusive business models in these sectors. The fourth section describes roles for governments, development finance institutions and donors in supporting inclusive business models. The business environment is important because companies that do business with the base of the pyramid need to understand new markets, understand the market behavior of base of the pyramid customers, appraise new risks and develop new systems, business processes and training. Companies with inclusive business models also face perceptions from investors and lending institutions that the base of the pyramid is riskier than other markets. 2017-06-15T20:42:48Z 2017-06-15T20:42:48Z 2012 Policy Note http://documents.worldbank.org/curated/en/895841468320669062/Policy-note-on-the-business-environment-for-inclusive-business-models http://hdl.handle.net/10986/27232 English en_US CC BY-NC-ND 3.0 IGO http://creativecommons.org/licenses/by-nc-nd/3.0/igo International Finance Corporation Washington, DC Economic & Sector Work :: Policy Notes Economic & Sector Work |