Terms of Reference for i2i – Credit Pilot Study in Zimbabwe

i2i is in the process of developing new measurement frameworks aimed at measuring the use of financial services beyond the uptake indicators which are currently reported as headline indicators by the financial inclusion community. This will directly inform policymakers and financial service providers as to the issues in the financial inclusion market.

As an essential part in this development, i2i is partnering with a credit bureau in Zimbabwe to conduct a study aimed at testing the new needs based approach to measurement and determine the drivers of specific usage dimensions in Zimbabwe. Focusing on the use of credit, the research will seek to further develop and refine the approaches to measuring credit uptake and use by adults in Zimbabwe. In this context, the work also seeks to determine the key drivers of uptake and usage of credit, as well as the determinants of the different repayment behaviour using both bureau and survey data to be collected on the credit market in Zimbabwe.

The study should be able to provide insights into the following:

All uses cases for the 3 needs dimensions (except for payments)

  • Resilience
  • Meeting goals
  • Liquidity

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