2023-10-26-亚开行-衡量菲律宾妇女在金融包容性和创业方面的进展_微型_小型和中型企业调查结果_110页_2mb

报告摘要

MSMEs as the Backbone of the Philippine Economy: The micro, small, and medium-sized enterprise (MSME) sector contributes significantly to employment (63% of total) and GDP in the Philippines, with over 950,000 enterprises primarily owned by women (66%). Despite this, the sector faces challenges in accessing finance and financial inclusion.

Key Challenges:

Gender Disparities: Women-owned MSMEs (WMSMEs) struggle with limited access to financial services and digital tools. Only 17% use business accounts, compared to 39% for men, and only 28% of WMSMEs use digital financial services (DFS) vs. 44% of men-owned MSMEs.
Financing Barriers: Access to credit remains difficult due to complex processes and collateral requirements. WMSMEs rely more on informal lenders and microfinance institutions (MFIs), while medium enterprises are served by banks.
COVID-19 Impact: The pandemic disproportionately affected WMSMEs, exacerbating existing challenges, such as liquidity issues and market disruptions.

Opportunities for Inclusion:

DFS Adoption: Digital financial services can empower WMSMEs by providing convenient, cost-effective solutions to overcome barriers.
Policy and Regulation: The Philippines' focus on digitization, e.g., QR Ph code and regulatory sandboxes, offers pathways to inclusivity through gender-sensitive products and training.

Rec.1 Tailor DFS for WMSMEs: Develop financial products suited to women's needs, such as flexible loan terms and cashless payment options.
Rec.2 Enhance Digital Literacy: Conduct training and awareness campaigns to improve women's access to and use of digital tools.
Rec.3 Improve Data Collection: Collect and analyze gender-disaggregated data to inform policies and targeted interventions.
Rec.4 Promote Inclusive Finance Policies: Ensure financial services are accessible (universal banking, agent banking), leveraging partnerships with MFIs and fintechs.

Impact: