Publication:
Policy Note on the Business Environment for Inclusive Business Models

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dc.contributor.authorInternational Finance Corporation
dc.date.accessioned2017-06-15T20:42:48Z
dc.date.available2017-06-15T20:42:48Z
dc.date.issued2012
dc.description.abstractThis policy note has two goals. First, to assess whether inclusive business models face specific regulatory hurdles. Second, to recommend policies that creates a business environment conducive to inclusive business. Little research has been conducted on the first goal. This note analyzes survey answers from companies that applied to the G20 Challenge. These companies were asked to rank regulatory obstacles and explain whether these obstacles created significant hurdles to their ability to serve the base of the pyramid. On the second goal, this note highlights policy recommendations for governments, development finance institutions and donors. It also includes policy measures specific to countries and contexts. Some policy measures address regulatory hurdles for inclusive business models. Others support inclusive business models by providing incentives when needed. The first section analyzes survey answers from the 167 applicants for the G20 Challenge. The starting point was to listen to businesses a logical place to begin when seeking to improve the business environment. The second section describes policy measures for business models that include the base of the pyramid as producers or suppliers, focusing on agriculture. Businesses that source from small farmers have inclusive business models because they integrate farmers in their value chains. Small farmers are often considered base of the pyramid if their income is low or they lack basic goods or services. The third section describes policy measures for business models that include the base of the pyramid as customers particularly models that provide affordable housing, health, education and basic financial services. In many countries basic services are still mainly provided by the public sector or recently privatized companies and more stringent regulations often apply. This section describes regulations and policies that affect inclusive business models in these sectors. The fourth section describes roles for governments, development finance institutions and donors in supporting inclusive business models. The business environment is important because companies that do business with the base of the pyramid need to understand new markets, understand the market behavior of base of the pyramid customers, appraise new risks and develop new systems, business processes and training. Companies with inclusive business models also face perceptions from investors and lending institutions that the base of the pyramid is riskier than other markets.en
dc.identifierhttp://documents.worldbank.org/curated/en/895841468320669062/Policy-note-on-the-business-environment-for-inclusive-business-models
dc.identifier.doi10.1596/27232
dc.identifier.urihttps://hdl.handle.net/10986/27232
dc.languageEnglish
dc.language.isoen_US
dc.publisherWashington, DC
dc.rightsCC BY-NC-ND 3.0 IGO
dc.rights.holderInternational Finance Corporation
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCING
dc.subjectADVERSE SELECTION
dc.subjectAFFILIATES
dc.subjectAFFORDABLE HOUSING
dc.subjectAFFORDABLE HOUSING PROGRAM
dc.subjectAFFORDABLE PRICES
dc.subjectAGRICULTURAL BANKS
dc.subjectAGRICULTURAL MARKETS
dc.subjectAGRICULTURAL TRADE
dc.subjectBANK ACCOUNTS
dc.subjectBANK BRANCHES
dc.subjectBANK LENDING
dc.subjectBANK LOANS
dc.subjectBANK REGULATION
dc.subjectBANKING ACCOUNTS
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBENEFICIARIES
dc.subjectBENEFICIARY
dc.subjectBEST PRACTICES
dc.subjectBORROWER
dc.subjectBUSINESS ENVIRONMENT
dc.subjectBUSINESS INNOVATION
dc.subjectBUSINESS MANAGEMENT
dc.subjectBUSINESS MODEL
dc.subjectBUSINESS MODELS
dc.subjectBUSINESS OPPORTUNITIES
dc.subjectBUSINESS PROCESSES
dc.subjectBUSINESS STRATEGY
dc.subjectBUSINESSES
dc.subjectBUYERS
dc.subjectCAPACITY BUILDING
dc.subjectCAPACITY CONSTRAINTS
dc.subjectCASH TRANSFERS
dc.subjectCENTRAL BANK
dc.subjectCENTRAL BANKS
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL FOR BANK LOANS
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMUNICATION TECHNOLOGY
dc.subjectCOOPERATIVES
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT CARDS
dc.subjectCREDIT GUARANTEES
dc.subjectCREDIT HISTORIES
dc.subjectCREDIT TERMS
dc.subjectCREDITORS
dc.subjectCREDITWORTHINESS
dc.subjectCROP INSURANCE
dc.subjectDEBT
dc.subjectDEBT RECOVERY
dc.subjectDEEDS
dc.subjectDEPOSIT
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT FINANCE
dc.subjectDEVELOPMENT FINANCE INSTITUTIONS
dc.subjectDOMAIN
dc.subjectECONOMIC OPPORTUNITIES
dc.subjectECONOMICS
dc.subjectELECTRICITY
dc.subjectEMERGING MARKETS
dc.subjectEMPLOYABLE SKILLS
dc.subjectENABLING ENVIRONMENT
dc.subjectENVIRONMENTAL
dc.subjectENVIRONMENTAL MANAGEMENT
dc.subjectENVIRONMENTAL SUSTAINABILITY
dc.subjectENVIRONMENTS
dc.subjectEQUIPMENT
dc.subjectFARMER
dc.subjectFARMS
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL REGULATION
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SKILLS
dc.subjectFINANCIAL SUPPORT
dc.subjectFINANCIAL SUSTAINABILITY
dc.subjectFINANCIAL SYSTEM
dc.subjectFISHERIES
dc.subjectFORMAL FINANCIAL INSTITUTIONS
dc.subjectGOVERNMENT POLICIES
dc.subjectGOVERNMENT SUBSIDIES
dc.subjectGOVERNMENT SUBSIDY
dc.subjectGOVERNMENT SUPPORT
dc.subjectGROWTH STRATEGY
dc.subjectHIGH INTEREST RATES
dc.subjectHOUSEHOLDS
dc.subjectICT
dc.subjectINCOME TAX
dc.subjectINFORMATION ON BORROWER
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINSPECTIONS
dc.subjectINSTALLMENTS
dc.subjectINSTITUTION
dc.subjectINTELLECTUAL PROPERTY
dc.subjectINTELLECTUAL PROPERTY PROTECTION
dc.subjectINTELLECTUAL PROPERTY RIGHTS
dc.subjectINTERNATIONAL DEVELOPMENT
dc.subjectINTERNATIONAL FINANCE
dc.subjectINTERNATIONAL LAW
dc.subjectINTERNATIONAL MARKETS
dc.subjectINVENTORY
dc.subjectJOB CREATION
dc.subjectLAND ADMINISTRATION
dc.subjectLAND TITLING
dc.subjectLAND VALUES
dc.subjectLANDHOLDERS
dc.subjectLAWS
dc.subjectLEGAL ENVIRONMENTS
dc.subjectLENDERS
dc.subjectLENDING INSTITUTIONS
dc.subjectLENDING TECHNIQUE
dc.subjectLICENSES
dc.subjectLIVESTOCK INSURANCE
dc.subjectLOAN
dc.subjectLONG-TERM LOANS
dc.subjectLOW-INCOME FAMILIES
dc.subjectMANDATES
dc.subjectMARKET ACCESS
dc.subjectMARKET DEMAND
dc.subjectMARKET DEMANDS
dc.subjectMARKET DISTORTIONS
dc.subjectMARKET FAILURES
dc.subjectMARKET INFORMATION
dc.subjectMARKET INTEGRATION
dc.subjectMARKET PLAYERS
dc.subjectMARKET PRICES
dc.subjectMARKET SIZE
dc.subjectMATCHING GRANTS
dc.subjectMATERIAL
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMOBILE NETWORK
dc.subjectMOBILE PHONE
dc.subjectMOBILE PHONES
dc.subjectMONEY TRANSFERS
dc.subjectMONITORING MECHANISMS
dc.subjectMORTGAGE
dc.subjectMORTGAGE CREDITS
dc.subjectMORTGAGES
dc.subjectMULTINATIONAL
dc.subjectMUNICIPALITIES
dc.subjectNETWORKS
dc.subjectNEW BUSINESS
dc.subjectNEW MARKETS
dc.subjectNEW TECHNOLOGIES
dc.subjectNONBANKS
dc.subjectONLINE NETWORK
dc.subjectOPEN MARKETS
dc.subjectPARTIAL CREDIT
dc.subjectPARTIAL GUARANTEES
dc.subjectPHONE PENETRATION
dc.subjectPHYSICAL PRESENCE
dc.subjectPOLICY ENVIRONMENT
dc.subjectPRIVATE COMMERCIAL BANKS
dc.subjectPRIVATE FINANCING
dc.subjectPRIVATE INVESTMENT
dc.subjectPRIVATE INVESTMENTS
dc.subjectPRIVATE INVESTORS
dc.subjectPRIVATE PARTNERSHIPS
dc.subjectPRIVATE SECTOR
dc.subjectPRODUCERS
dc.subjectPRODUCTIVITY
dc.subjectPROPERTY RIGHTS
dc.subjectPUBLIC AGENCIES
dc.subjectPUBLIC GOODS
dc.subjectPUBLIC POLICY
dc.subjectPUBLIC SUBSIDIES
dc.subjectPUBLIC UTILITIES
dc.subjectPUBLIC-PRIVATE PARTNERSHIPS
dc.subjectPURCHASING POWER
dc.subjectPURCHASING POWER PARITY
dc.subjectQUALITY STANDARDS
dc.subjectQUERIES
dc.subjectR&D
dc.subjectRECEIPTS
dc.subjectREGISTRATION FEE
dc.subjectREGISTRIES
dc.subjectREGULATORY BARRIERS
dc.subjectREGULATORY ENVIRONMENT
dc.subjectRELIABILITY
dc.subjectRESERVE
dc.subjectRESERVE BANK
dc.subjectRESERVE BANK OF INDIA
dc.subjectRESULT
dc.subjectRESULTS
dc.subjectRURAL COMMUNITIES
dc.subjectSECURITIES
dc.subjectSMALL FARMERS
dc.subjectSMALL LOANS
dc.subjectSMART CARD
dc.subjectSOCIAL ENTREPRENEURS
dc.subjectSTORAGE FACILITIES
dc.subjectSUBSIDIARY
dc.subjectSUPPLY CHAIN
dc.subjectSUSTAINABLE DEVELOPMENT
dc.subjectTARGETS
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTECHNICAL ISSUES
dc.subjectTECHNOLOGY TRANSFER
dc.subjectTELECOMMUNICATION
dc.subjectTELECOMMUNICATIONS
dc.subjectTELECOMMUNICATIONS PROVIDERS
dc.subjectTRADEOFFS
dc.subjectTUITIONS
dc.subjectUNIVERSAL ACCESS
dc.subjectUNIVERSAL ACCESS POLICY
dc.subjectURBAN AREAS
dc.subjectURBAN HOUSING
dc.subjectUSER
dc.subjectUSERS
dc.subjectVALUE CHAIN
dc.subjectVALUE CHAINS
dc.subjectWAREHOUSE
dc.subjectWAREHOUSE RECEIPT
dc.subjectWAREHOUSE RECEIPT FINANCING
dc.subjectWAREHOUSE RECEIPTS
dc.subjectWAREHOUSES
dc.subjectWILLINGNESS TO PAY
dc.titlePolicy Note on the Business Environment for Inclusive Business Modelsen
dc.typePolicy Noteen
dc.typeDocument de politique généralefr
dc.typeDocumento de políticases
dspace.entity.typePublication
okr.crossref.titlePolicy Note on the Business Environment for Inclusive Business Models
okr.date.disclosure2012-12-21
okr.date.doiregistration2025-05-07T12:41:04.506250Z
okr.doctypeEconomic & Sector Work::Policy Notes
okr.doctypeEconomic & Sector Work
okr.docurlhttp://documents.worldbank.org/curated/en/895841468320669062/Policy-note-on-the-business-environment-for-inclusive-business-models
okr.guid895841468320669062
okr.identifier.externaldocumentum000333038_20121221020445
okr.identifier.internaldocumentum17102168
okr.identifier.report74496
okr.importedtrue
okr.language.supporteden
okr.pdfurlhttp://documents.worldbank.org/curated/en/895841468320669062/pdf/NonAsciiFileName0.pdfen
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicPoverty Reduction::Social Development & Poverty
okr.topicPrivate Sector Development::Business Environment
okr.topicPrivate Sector Development::Business Ethics, Leadership and Values
okr.topicPrivate Sector Development::Corporate Social Responsibility
okr.unitInclusive Business Models (CGEIB)
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