This document aims to show how a value chain-focused approach, which includes understanding value chains and the position of SMEs in those value chains—often in relation to larger anchor businesses—can enable financial institutions to expand SME finance outreach and profitability.

In addition to traditional loans, leasing should be considered as a strategic tool to finance micro, small and medium-sized enterprises (MSMEs).  Although it is a well-known instrument for financing the acquisition of all types of equipment in countries around the world, in emerging markets, it is generally more accessible to larger companies than to MSMEs.  This paper lays out a number of strategies and recommendations that leasing companies and other investors should follow in order to implement policies and procedures conducive to growing access to finance for MSMEs by means of leasing.

This publication will cover key aspects of developing a leasing business, including marketing, design, risk approaches, processes, repossession, and others.

The analysis of qualitative indicators in lending to micro, small and medium-sized enterprises is of great importance. It is an essential part of the analysis and as important as collection and analysis of financial results. Moreover, a comprehensive and meaningful analysis of financial indicators is only possible if the current situation of a business and its qualitative characteristics are fully understood.

In this article, we discuss the main qualitative factors to be considered when taking lending decisions on MSME clients, we provide examples of risks relating to qualitative criteria, and give recommendations for conducting qualitative analyses.

The changing climate represents a rapidly growing risk and opportunity for financial institutions globally. To be prepared, financial institutions must start planning a response to climate change today to mitigate future adverse scenarios and to avoid being left behind.

In the process of decision-making about the possibility of cooperation with potential clients and/or support of existing clients, financial institutions take an integrated approach to the analysis. It is very important to look not only at numbers, but also to understand business processes and the current and future response to the crisis.