FinScope Consumer South Africa 2024 Results Launch
The FinScope SA 2024 results highlighted key financial inclusion trends ahead of the 2025 Responsible Finance Forum.
We have launched a COVID-19 Tracker, The survey themes include health and risk behaviours, food security, income, work and job security, personal safety concerns, and access to government and community support. www.covid19tracker.africa
The FinScope SA 2024 results highlighted key financial inclusion trends ahead of the 2025 Responsible Finance Forum.
Johannesburg, 20 May 2025, FinMark Trust releases the 2024 results of its annual FinScope Consumer South Africa study, revealing a stark reality: despite high levels of financial inclusion, millions of South Africans are struggling to make ends meet.
Ahead of launching the FinScope South Africa Consumer Survey 2024 at the upcoming Responsible Finance Forum 2025 in Johannesburg, guest authors from FinMark Trust provide a historical perspective on the survey’s first 20 years.
The MSME sector remains a vital source of income, especially for women and young people, despite changes since 2017 due to global challenges. MSMEs have grown by 18%, many remain informal, and business support services are underused.
The Government of Eswatini recognises the MSME sector’s role in strengthening the business climate and creating jobs, with the 2023 Blended FinScope MSME survey tracking changes since the 2017 baseline study to identify key growth opportunities.
The 2023 Eswatini MSME Launch Deck explores key findings from the survey, covering topics such as business insights, support and resilience to shocks, access to financial services, and an overview of financial inclusion.
The FinScope MSME Lesotho 2023 pocket guide highlights key insights on adoption of financial technologies, financial inclusion effectiveness, and the suitability of financial products and services for MSMEs.
Lesotho's MSME sector grew 41% since 2016. Discover latest trends in financial inclusion, access, usage, and Covid-19 impacts in this presentation
Johannesburg, 16 September 2024 – The FinScope MSME South Africa 2024 Survey, launched recently in a virtual event hosted by FinMark Trust, provides critical insights into the evolving Micro, Small, and Medium Enterprise (MSME) sector
The presentation by Abel Motsomi, Senior Data and Analytics Specialist at FinMark Trust covers the latest findings tracks the progress of sector developments and financial inclusion in South Africa using the FinScope MSME 2020 as a benchmark.
The launch of the FinScope MSME South Africa 2024 results unveiled the most recent insights into the key challenges and advancements in financial inclusion and sector development for MSMEs in South Africa.
The 2023 year survey shows financial inclusion has increased, with a significant drop in financial exclusion from 51% in 2014 to 12% in 2023, largely due to the rapid adoption of mobile money services.
The presentation covers financial inclusion levels, access and usage trends, drivers and barriers, and the impact of COVID-19. FinScope aims to foster evidence-based dialogue for effective interventions to enhance financial inclusion in Malawi.
The report highlights key survey findings, comparing national-level data to the 2014 survey results to track indicators and trends. It offers a full analysis, disaggregated by gender, age and location.
The media extensively reported on the insights of the FinScope Consumer South Africa 2023 report. You can find links to most of the TV, radio, and news reports here.
The presentation of results by Jabulani Khumalo - Senior Data and Analytics Specialist, a keynote address by Dr. Pali Lehohla, and a panel discussion with experts Kershia Singh, Dr. Thabang Chiloane, and Pamela Ramagaga.
This year's findings highlight the financial challenges in South Africa, with 40% of adults borrowing money for food and 20 million adults experiencing electricity cuts due to affordability in the past year.
FinMark Trust launches its annual FinScope Consumer South Africa 2023 results today through a virtual webinar. This year's findings highlight the pressing financial challenges South Africans are facing.
The FinScope Tanzania 2023 report highlights key survey findings, comparing national-level data to the 2017 survey results to track indicators and trends. It offers a full analysis, disaggregated by gender, age and location.
O guia de bolso da Pesquisa do Consumidor FinScope Angola 2022 é uma referência confiável para a inclusão financeira em Angola. É um recurso valioso para o desenvolvimento de estratégias eficazes com base em evidências empíricas.
The FinScope Consumer Survey provides reliable benchmarks on financial inclusion in Angola, these findings benefit various sectors, with the aim of improving the lives of Angolan individuals.
Jabulani Khumalo, our Data and Analytics Specialist and lead on the FinScope Consumer South Africa 2022 survey results joins John Maytham on the Afternoon Drive on Cape Talk to discuss the findings of the survey.
YouFM interviewed Jabulani Khumalo on the latest FinScope Consumer South Africa 2022 survey results, focussing on the cost of living for South African consumers. Listen to the interview here.
‘South Africans are borrowing so much that now we are borrowing food’ - Obert was interviewed on Phalaphala FM
The latest FinScope Consumer Survey shows the main reason for borrowing money in 2022 was to pay for living expenses, specifically food and groceries.
Do we need to do more in terms of educating people about the risks of cash and the benefits of electronic payments?
How can we support those working in the informal sector?
Financial Services as a Tool for Building Resilience: In the face of climate change and energy crisis shocks
The launch will be presented in two parts, the first of which will be a presentation of the survey's top-line findings. A series of breakaway sessions will follow, where participants will be invited to interact with the data in greater depth.
Twenty years ago, when FinMark Trust was established, we took the dream of making financial markets work for the poor and turned it into reality. Join us as we reflect on this journey, with key milestones highlighted in our digital journal.
The Ghana Demand Side Survey 2021 provides credible benchmarks on the level of financial inclusion and, using empirical evidence, guides focused and targeted financial inclusion strategies.
The main presentation covers all of the top-line findings for Zimbabwe 2022. With 115 slides of insightful information, we evaluate trends, changes, and interventions over time starting from 2014.
The financial sector conducted the FinScope Zimbabwe 2022 Consumer Survey for the third time in a row. This repeat survey provides credible benchmarks for the extent and quality of financial inclusion.
FinScope consumer surveys offer insights into people's financial needs, preferences, and behaviour. It does not attempt to replicate the work of censuses or other annual surveys.
A presentation on the assessment of the size and scope of individual entrepreneurs and owners of micro, small, and medium enterprises (MSMEs) in Zimbabwe 2022, focusing on their financial service needs.
A comprehensive overview of the key findings from the survey that describes the levels and landscape of access, usage and quality of financial products and services, (both formal and informal), tracking the level of financial access since 2012.
FinScope South Africa Consumer 2021 Results - Webinar
Lesotho has seen a significant increase in financial inclusion since 2011. The FinScope Consumer Survey Lesotho 2021 report provides financial inclusion statistics, analyses, insights, and proposed recommendations to improve the lives of Basotho.
The brochure summarises and highlights the FinScope Consumer Survey Lesotho 2021 report's findings. It serves as a quick reference guide to the key statistics and insights.
The road to the Olympics for a young woman in the country is fraught with hurdles, though. To unpack why, consider the hurdles a young woman who is an aspiring Olympic athlete must overcome,
South Africa experienced a series of unexpected social unrest that saw many township and informal businesses destroyed or looted and malls burnt. It was like a scene from a violent movie, which graduated to loss of lives in some instances.
Impact of Covid-19 and Social unrest a double blow for MSMEs - FinScope uses data to understand current challenges facing MSMEs
The objectives of FinScope Botswana 2020 were to understand the adult population in terms of, Livelihoods and how they generate their income, financial needs and demands, financial perceptions, demographic and geographic distribution.
The Great Reset has happened. The COVID-19 pandemic accelerated the inflection point with systemic effects that affect how people live their lives
This report reviews the implementation of the 2014 MAP Eswatini diagnostic, considers market changes, and identifies financial inclusion interventions to grow the economy
This report reviews the implementation of the 2016 MAP Zimbabwe diagnostic, considers market changes, and identifies financial inclusion interventions to grow the economy
The FinScope Mozambique 2019 survey is the third FinScope survey implemented in Mozambique, following the baseline of 2009 and repeat of 2014.
FinScope 2019 marca o terceiro ciclo em que este inquérito nacionalmente representativo sobre a inclusão financeira é efectuado em Moçambique
This dashboard represents some of the key market data on financial inclusion with a focus on females.
Este painel representa alguns dos principais dados de mercado sobre inclusão financeira com foco nas mulheres.
This MAP report reviews the implementation of the 2015 MAP diagnostic, considers market changes, and identifies financial inclusion interventions to grow the economy.
Highlighting the usage of access to financial services in South Africa in 2019, to better understand market needs and attitudes of both informal and formal offerings.
View highlights from the Mozambique FinScope Consumer Survey 2019 comparing levels of financial inclusion between 2019 and 2014.
View highlights from the Mozambique FinScope Consumer Survey 2019 comparing levels of financial inclusion between 2019 and 2014.
Mozambique implemented the 3rd Mozambique FinScope Survey to help monitor and evaluate sector interventions driven by the National Financial Inclusion Strategy (NFIS).
Read this 2019 full report for more information about the state of financial inclusion in Mozambique.
This report is prepared to provide insight into the Malawi MSME sector using the FinScope Malawi MSME 2019 survey.
The Focus Group Discussion (FGD) Report is based on findings from 6 focus group discussions with over 30 MSME owners.
Development Roadmap lays out a vision and implementation framework for the development of the SME sector in Malawi.
a significant portion of adult South Africans are exposed to the necessary delivery of cash to get their social grants
South Africa’s informal savings market thrives – R44 billion collectively saved in approximately 820,000 stokvels.
2020 South Africa Youth Month infographic dashboard using FinScope 2019 data
The lack of recent, holistic and reliable information about the MSME sector was identified to be a significant barrier from past consumer surveys and the MAP process.
There is a lot of attention on the effects and impact of Covid-19 on our daily lives and we are immersed in stories from all sectors in South Africa.
This report captures the findings of the country context, demand-side, supply-side, and policy and regulatory reviews.
There are more youth showing high levels of accountability for monthly expenditure than seniors. See the FinScope Benin Youth 2019 dashboard.
This presentation is on inequality in middle income countries: A financial inclusion lens using FinScope.
Farming is the financial backbone for over half (58%) of the households in Benin.
The FinScope Gambia 2019 survey is a research diagnostic meant to support the government of Gambia
MAP is a diagnostic and programmatic framework to support expanding access to financial services for individuals and micro and small- businesses.
The MSME (Micro, Small and Medium Enterprise) sector is arguably the biggest employer in many economies, particularly in the developing world
FinScope data analysis has revealed many insights on gender.
The FinScope South Africa 2018 Survey highlighted many issues pertinent to financial inclusion in South Africa.
This pocket guide represents some of the key market data on financial inclusion.
The Burkina Faso Financial Inclusion Roadmap 2018 – 2022
La Feuille de Route pour l’inclusion financière du Burkina Faso 2018-2022
This MAP Refresh Myanmar document follows on from the original MAP (Making Access Possible) exercise in Myanmar in 2013/2014.
Making Access Possible is a multi-country initiative to support financial inclusion through a process of evidence-based country diagnostic and stakeholder dialogue, leading to the development of national financial inclusion roadmaps.
Objectives of FinScope Haiti 2018
This roadmap document is produced as part of a series of documents in the Making Access Possible (MAP) Lesotho initiative.
Namibians who do not have access to financial services stood at 22% in 2017, down from 31% in 2011 and 51% in 2007.
The financial inclusion indicators are constructed from 14 SADC countries using findings of the FinScope Consumer surveys.
This repeat survey provides credible benchmarks on level of financial inclusion, financial capability and the quality of financial inclusion.
See the presentation for the FinScope Consumer Survey Myanmar 2018.
Consultez le tableau de bord de FinScope Cameroon Youth.
View the FinScope Cameroon Agriculture dashboard.
View the FinScope Cameroon Agriculture dashboard.
View the FinScope Cameroon Youth dashboard.
This pocket guide represents some of the key market data on financial inclusion in Cameroon.
View the FinScope Cameroon Regional Financial Access Strand Dashboard.
Making Access Possible (MAP) is a diagnostic and programmatic framework to support expanding access to financial services.
View the FinScope Cameroon Regional Financial Access Strand Dashboard.
The Government of Eswatini has been working towards the development of the Micro, Small and Medium Enterprises (MSME) sector.
The Namibia Financial Inclusion Survey Report 2017.
The Report also uses data from the Annual Report of the National Bank of Cambodia (NBC) and the Annual Supervision Report of the NBC for the year 2016.
This synthesis report summarizes a series of document produced as part of the MAP Cambodia Initiative.
Brochure for the Namibia Financial Inclusion Survey 2017.
Despite progress around the world, many people continue to face social exclusion (i.e., limited access to social and economic opportunities).
View the Swaziland Business Development Measure dashboard for 2017.
The Cambodia Financial Inclusion Roadmap (2018- 2025) provides guidance for achieving the vision of increased financial inclusion in Cambodia.
Pour que les Togolais adultes puissent tirer le meilleur parti des ressources financières disponibles
Cependant, les seniors sont plus impliqués dans l’économie formelle que les jeunes.
This document sets out the comprehensive diagnostic findings which will feed into the Roadmap that will be developed in collaboration with the MAP steering committee.
This roadmap document is produced as part of a series of documents in the Making Access Possible (MAP) Madagascar initiative.
We buy things we don’t need with money we don’t have to impress people we don’t like
A large proportion of youth (70%) live in rural areas with 30% living in urban areas.
Understanding what a financial product or service is, what it offers, how to use it, how to benefit from it is a necessary requirement for Togolese adults
L’énergie propre (dite aussi verte ou renouvelable) est pressentie comme la meilleure alternative pour développer l’énergie destinée à la cuisson et à l’éclairage
Clean (or green or renewable) energy is tipped as the next best option to advance energy for cooking and lighting within Togolese households.
De manière générale, l’agriculture est un secteur à forte intensité de main d’oeuvre.
Agriculture is a labour intensive industry generally. This is extremely relevant for Togo as 51% of all households are involved in agricultural activities.
MAP compiles a comprehensive picture of financial inclusion drivers, barriers and opportunities across the country context
L’initiative « Rendre l’Accès Possible » (Making Access Possible - MAP) est une initiative multi pays visant à appuyer l’inclusion financière à travers
It is in this pursuit that the Government of Swaziland initiated the first FinScope MSME Survey Swaziland 2017.
Addressing energy poverty by scaling up the availability of affordable and more efficient energy services is the key to improve social equity
Financial services can also facilitate access to core services, such as health or education.
The Laos Financial Inclusion Roadmap 2016 – 2020 lays out the national priorities for the enhancement of financial inclusion in the Lao PDR
The presentation briefly illustrates the FinScope process and the analytical framework of the surveys.
This paper reports on the determinants of small business access to finance (both formal and informal) in 5 countries in the SADC region
Additional deeper dives on key thematic areas can be found on the data dashboards on agriculture, youth and clean energy.
The results show that the formal financial inclusion rate in Burkina Faso is at 40% while 39% of adults are financially excluded.
The Government of Togo recognises the role played by the financial sector in facilitating economic growth through enhanced access to financial services.
A third of adults in SADC are indebted and with access to credit from either a formal or informal lender.
MAP Togo vise le développement d’un cadre stratégique pour la finance inclusive au Togo.
The Central Bank of Seychelles (CBS) and the Financial Services Authority (FSA) commissioned FinMark Trust to undertake a Baseline Survey on Financial Literacy.
The level of education has implications on financial literacy. Formal education systems provide numeracy and comprehension skills.
FinScope MSME Lesotho involved a range of stakeholders engaging in a comprehensive consultation process, thereby enriching the survey.
The FinScope MSME Survey Lesotho 2016 was conducted with a sample of 2182 adult business owners who were selected at a household level across the country.
The baseline study measured the level of financial literacy amongst the adult population and provided an assessment of the needs of the population.
The Malagasy economy is not diversified and economic growth is focused on a few sectors and regions qualified as growth poles due to their high population density
Phnom Penh, 12 July 2016. FinMark Trust released the results of the first FinScope in Cambodia
As the income levels rise, more and more males have higher proportions in rising income categories than females.
At country level, the core MAP partners, collaborate with other donors to ensure an inclusive, holistic process.
Most households in Cambodia have multiple sources of income, and the adult population is largely dependent on the informal sector.
Making Access Possible (MAP) is a diagnostic and programmatic framework to support expanding access to financial services for individuals and micro-and small businesses.
See the results of the FinScope Consumer Survey South Africa 2016.
This report summarises the findings of the MAP Botswana diagnostic, a comprehensive study of the scope for financial inclusion in Botswana
FinMark Trust launched the results of the Financial inclusion survey of Rwanda on 3 March 2016.
The MAP diagnostic informs a roadmap that provides detailed and actionable steps to achieve the financial inclusion priorities.
Financial Inclusion in SADC through the FinScope Lenses” provides an in-depth analysis of the current state of financial inclusion in the twelve SADC states.
Government efforts to promote access to formal credit of SMEs are synonymous with encouraging growth of these enterprises.
The Government of Lao PDR recognises the role played by the financial sector in facilitating economic growth through enhanced access to financial services.
About 31.2 million (84%) of adults are formally served, that is they have a bank and other formal non- bank product/services, compared to 80% in 2014.
The 2015 FinScope survey shows that in South Africa levels of financial inclusion remain stable at 87% compared to 86% in 2014.
The 2015 FinScope survey shows that in South Africa levels of financial inclusion remain stable at 87% compared to 86% in 2014.
Below are some of the highlights from the 2014 survey, conducted between April and July 2014
FinScope Mozambique 2014 is the second national financial inclusion survey, following that of 2009,
The FinScope Survey Mozambique 2014 study is an initiative by the Ministry of Economy and Finance and co-funded by the Department for International Development (DFID)
This brochure highlights some of the key findings from the Nepal FinScope Consumer Survey 2014.
Read about the FinScope Consumer Survey Lao 2014 results here.
To measure and profile the levels of access to financial services by all adults in Laos (18 years and older)
See the launch presentation of the FinScope Consumer Survey Thailand 2013.
The objectives of the FinScope Thailand survey were to measure and profile the levels of access to financial services by all adults in Thailand
FinMark Trust commissioned research to identify the systemic constraints that prevent financial markets from reaching out to these consumers
The Government of Zimbabwe recognises the micro, small and medium enterprises (MSMEs) as important contributors to job creation, poverty alleviation and development.
This booklet provides an overview of access to financial services, especially banking services, in Botswana.
This report is a nationally representative survey focusing on the status of small businesses in Malawi.
Finscope have released findings of a ten year survey that measures and profiles levels of access to financial services in Africa's biggest economy.
This document describes frog's approach, findings and recommendations.
FinMark Trust released the results of its annual FinScope South Africa 2012 survey results today.
Increased financial inclusion has been recognised as crucial to encouraging home ownership, household savings plans and the expansion of small business
The Government of Swaziland recognises the significant role of the financial services sector in contributing to the overall economic growth of the country.
Commissioned by CBL, the FinScope Lesotho 2011 survey was conducted by Ask Afrika, with funding and technical assistance from FinMark Trust.
The 2012 FinScope survey was commissioned by Access to Finance Rwanda (AFR) and not FinMark Trust.
View the 2011 Namibia, FinScope Consumer survey Brochure
See the results of the FinScope Consumer Survey Zimbabwe 2011.
See the report of the FinScope Consumer Survey Zimbabwe 2011.
FinMark Trust in conjunction with the Ministry of Finance embarked on a FinScope survey which was conducted by the ZIMSTAT from July 2011 to November 2011.
The Ministry of Finance established the Micro-Finance Unit in September 2010 to facilitate the development and sustainability of the microfinance sector in the country.
View the FinScope Consumer Survey Namibia 2011 Report
See the FinScope Consumer South Africa 2011 results.
FinScope South Africa Small Business Survey 2010 Full Report
See the brochure for the FinScope Small Business South Africa 2010.
Exploring market opportunities in Zambia. Industry presentations done based on FinScope Zambia 2009 data.
Presentation - exploring market opportunities in Zambia.
The primary objective of the FinScope survey is to measure and profile levels of access to financial services by all adults in South Africa
The FinScope 2010 South Africa Small Business Survey is the first comprehensive publicly available nationally representative survey
FinScope Mozambique 2009 is the first national survey of its kind, in which a representational cross-section of all adult Mozambicans have been interviewed comprehensively
The findings from the FinScope 2009 suggest that 41 percent of the adult population is banked and 59 percent are unbanked.
The studies cover the demand, usage and access to all types of financial institutions from commercial banks
See the Survey on Demand for Financial Services in Botswana - FinScope 2009 presentation.
The Ugandan government has made considerable efforts to reform and develop the country's economy.
See the Access to Finance study presentation in Pakistan.
FinScope Rwanda 2008 makes a number of recommendations on the basis of the survey results.
FinScope Malawi 2008 was commissioned by the Ministry of Finance and the FinMark Trust, with funding from the UKAID
Rwanda has adopted a Financial Sector Development Program (FSDP) in order 'to develop a stable and sound financial sector
See the research presentation prepared for Banque Nationale Du Rwanda 2008.
FinScope surveys have been developed to track patterns of usage of, access to and attitudes towards financial services in a country.