Financial Sector Development
The Financial Sector Development department within Kubo Consulting has been established over the past 15 years, building on our wide experience in business and regional economic development. Our in-depth knowledge in SME promotion adds to our capacity in improving MSME access to financial services and advising financial institutions on MSME lending.
Micro SME Finance
Micro, small, and medium enterprises (MSME) are key drivers of socio-economic development but often face major difficulties in accessing financial services. For this reason, we work together with microfinance institutions (MFIs) and banks that are downscaling their operations to lower-income clientele to overcome challenges related to human resource development, demand-orientated product design, geographic outreach, and risk management.
- Finance Growth Achievement 1 80%
- Finance Growth Achievement 2 95%
Our goal is always to:
- Maximise growth
- Infrastructure development
- Educational development
Financial System Development
A favourable business environment in the financial sector is an important factor for improved access to finance and client protection. Hence, it is crucial that actors at the macro level play their role in ensuring the implementation of a sophisticated regulatory framework as well as in promoting good business practices and client interaction.
- Finance Growth Achievement 1 80%
- Finance Growth Achievement 2 95%
Our goal is always to:
- Maximise growth
- Infrastructure development
- Educational development
Agriculture Value Chain Finance
The Financial Sector Development department within Kubo has been established over the past 15
years, building on our wide experience in business and regional economic development. Our
in-depth knowledge in SME promotion adds to our capacity in improving MSME access to
financial services and advising financial institutions on MSME lending.
With more than thirty years of experience in providing consulting services to the rural and
agricultural sector, we possess unmatched understanding and expertise in this field.
Originally, a consulting company for agribusinesses, we have founded our international
operations on the firm belief that facilitating access to financial services for rural poor
and small agricultural businesses offers an unequalled opportunity to foster economic growth
in developing countries.
- Finance Growth Achievement 1 80%
- Finance Growth Achievement 2 95%
Our goal is always to:
- Maximise growth
- Infrastructure development
- Educational development
Insurance Systems
Despite the positive impact of improved credit facilities on the lives of many low-income households, they still face a variety of risks. The occurrence of adverse weather events severely threatens the livelihoods of countless farmers who rely on a good harvest. These natural disasters can jeopardise the economic improvements achieved by credits and other rural development programmes. Innovative insurance products have increasingly moved into the focus of international development cooperation in response to various challenges.
- Finance Growth Achievement 1 80%
- Finance Growth Achievement 2 95%
Our goal is always to:
- Maximise growth
- Infrastructure development
- Educational development
Digital Finance
Despite the positive impact of improved credit facilities on the lives of many low-income households, they still face a variety of risks. The occurrence of adverse weather events severely threatens the livelihoods of countless farmers who rely on a good harvest. These natural disasters can jeopardise the economic improvements achieved by credits and other rural development programmes. Innovative insurance products have increasingly moved into the focus of international development cooperation in response to various challenges.
- Finance Growth Achievement 1 80%
- Finance Growth Achievement 2 95%
Our goal is always to:
- Maximise growth
- Infrastructure development
- Educational development
Bank Regulations & Supervison
Banks are prudently regulated and supervised to protect their depositors and to prevent risks to the real economy that may occur through breakdowns in the financial and payments systems. Although non-bank financial institutions may have a smaller systemic impact, there is a wide area of expertise available to ensure that the financial sector remains stable.
- Finance Growth Achievement 1 80%
- Finance Growth Achievement 2 95%
Our goal is always to:
- Maximise growth
- Infrastructure development
- Educational development