巴西金融部门对被迫流离失所者进行金融普惠的经济机会（英）2024

PublicDisclosureAuthorized PublicDisclosureAuthorized TheeconomicopportunityforfinancialinclusionofForciblyDisplacedPeople(FDP)bythefinancialsectorinBrazil Supportedby Acknowledgements ThisreportwasledbyJeffreyBowerandsupportedbyAmandaThaisRodriguesFranco,AlexandreHaddadMussaAebiandRicardoGarciaTafuroftheInternationalFinanceCorporation(IFC).ThestudywaspreparedbyFrankfurtSchoolofFinanceandManagement(consultingteam)contractedbyIFC. WeexpressourgratitudetoUNHCRBrazilanditspartnerorganizationsinBrazilwhosupportedthedisseminationoftheonlinesurveyaswellastheorganizationoffocusgroupsdiscussionsandindividualinterviewswithForciblyDisplacedPeople(FDP). Wealsowouldliketothanktherepresentativesofthefinancialinstitutionswhoparticipatedsharingtheirvalidexperiences,ideas,andinterestinservingFDPforthisstudy. Specialmentionmustbemadetothemanyindividualswhoparticipatedinthedevelopmentofthisstudy.ThisincludestheFDPwhorespondedtotheresearchactivities,whoseidentitieswekeepconfidential. Coverphotocopyright:UNHCR/DanMagatti AboutIFC TheInternationalFinanceCorporation(IFC),amemberoftheWorldBankGroup,isthelargestglobaldevelopmentinstitutionfocusedontheprivatesectorinemergingmarkets.Weworkinmorethan100countriesanduseourcapital,expertiseandinfluencetocreatemarketsandopportunitiesindevelopingcountries.IFCinvestsinandsupportsprivateenterprisesandfinancialinstitutionsindevelopment,leveragingthepoweroftheprivatesectortoeradicateextremepovertyandboostsharedprosperityaseconomiescopewiththeimpactsofglobalcrises.Formoreinformationvisitwww.ifc.org AboutUNHCR TheUNRefugeeAgency(UNHCR)isaninternationalhumanitarianorganizationdedicatedtosavinglives,protectingrightsandensuringadignifiedfutureforpeoplewhohavebeenforcedtoleavetheirhomesandcommunitiesduetowar,armedconflict,persecutionorserioushumanrightsviolations.Presentinmorethan130countries,UNHCRworkstogetherwithnationalandlocalauthorities,civilsocietyorganizations,academiaandtheprivatesectortoensurethatallrefugees,internallydisplacedandstatelesspeoplefindsafetyandsupporttorebuildtheirliveswithdignity.Findoutmoreatwww.acnur.org.brandonoursocialnetworks(UNHCRBrazil). Disclaimer Theconclusionsandjudgmentscontainedinthisreportshouldnotbeattributedto,anddonotnecessarilyrepresenttheviewsofIFCoritsBoardofDirectorsortheWorldBankoritsExecutiveDirectorsorthecountriestheyrepresent.IFCandtheWorldBankdonotguaranteetheaccuracyofthedatainthispublicationandacceptnoresponsibilityforanyconsequencesoftheiruse. TableofContents ExecutiveSummary1 1Introductionandcontext11 2OverviewoftheMethodology16 3Demandcharacteristics18 3.1TheFDPmarketinBrazil18 3.2DemographicprofileofFDP20 3.3Socio-economicprofileofFDP21 3.4FinancialexperienceofFDP22 3.5Conclusions23 4Financialneeds25 4.1AssessingthefinancialneedsofFDP25 4.2Conclusions30 5Marketsegmentation31 5.1CharacteristicsoftheWell-Placedandprioritysegments34 5.2CharacteristicsandpotentialoftheProspectiveGroup41 5.3Conclusions45 6Supplyanalysis46 6.1Analysisofthecurrentoffering47 6.2BarriersandchallengeslimitingfinancialinstitutionstounlocktheFDPmarketpotential54 6.3Conclusions55 7Identifiedbusinessopportunities58 7.1Introduction58 7.2Businessopportunities59 7.3Cross-cuttingenablerstosuccessfullydeployexistingproductsthattargetFDP71 7.4Conclusions72 8Recommendations74 Bibliography87 TableofFigures Figure1:FDP’spotentialtobecomepromisingcustomersforFSPs2 Figure2:OverviewofmainFDPGroupsanduniqueFDPsegments3 Figure3:MarketsegmentationbasedonclusteringofFDPsegmentsbystabilityand independencelevels4 Figure4:MarketoverviewasofDecember31,202212 Figure5:DistributionofVenezuelanFDPrelocatedbythesettlementprogram–TopfiveBrazilian cities(2023)14 Figure6:Refugeesandmigrantsestablishedin18 Figure7:GeographicaldistributionofFDPonarrivalandcurrentlocationasof202319 Figure8:IntentionofFDPtostayinBrazil19 Figure9:AgedistributionamongFDP20 Figure10:DistributionofFDPfamiliesbyfamilysize20 Figure11:Socio-economicdetailsofFDPinBrazil21 Figure12:NumberofFDPintheformaljobmarket,bygenderandageinBrazil22 Figure13:UseoffinancialservicesbyFDPintheirhomecountryandinBrazilcomparedtothe Brazilianpopulation22 Figure14:Accesstocreditcardsandloans23 Figure15:UseofdigitalaccountsbyFSP26 Figure16:LoanamountforFDPwhoreportedhavingaloan27 Figure17:ResponsesofloanapplicationsmadebyFDP27 Figure18:ChallengeswhenapplyingforaloanbyFDP28 Figure19:Accesstoloans–ReasonsfornotapplyingforaloanbyFDP28 Figure20:SavingspatternofFDP29 Figure21:Criteriaforsegmentation31 Figure22:Marketsegmentationapplyingstabilityandindependenceindexes32 Figure23:ClusteringFDPsegmentswithrelevantFSPs33 Figure24:Well-Placedsegmentswithpotentialtoabsorbcomprehensivefinancialservices34 Figure25:Prospectivesegmentswithpotentialforcross-cuttingservicesandspecificoffering41 Figure26:MarketPotentialFDPGroupandsegmentbybusinessopportunities59 Figure27:CurrentuseofsendingremittancestotheirhomecountrybyFDPsegments60 Figure28:CurrentuseofdigitalaccountsanddigitaltransactionsbyFDPsegment62 Figure29:CurrentusageofpersonalloansandcreditcardsbyFDPsegm