# CGAP

> CGAP is a donor-funded global partnership and financial inclusion think tank housed at the World Bank. It tests financial products, studies consumer outcomes, advises policymakers and providers, and publishes free evidence and tools for improving the lives of low-income people, particularly women, and micro and small enterprises.

- **Founded:** 1995
- **Headquarters:** Washington, United States
- **Founders:** World Bank and a consortium of donor organizations (Institutional founders)
- **Products:** Action-oriented research and pilots, Impact Pathfinder, FinDev Gateway, FinEquity, Responsible Digital Credit
- **Notable:** Reported work in 64 countries and 23 pilots across 28 countries in FY2025., Launched Impact Pathfinder in February 2025., JUMO laboratory disclosure experiment reduced defaults from 29% to 20%; the disclosure changes were subsequently integrated into provider messages.

## Products & services

- **Action-oriented research and pilots** — Research, practical experiments, and guidance for financial providers, policymakers, and funders; FY2025 included 23 pilots in 28 countries.
- **Impact Pathfinder** — Public evidence platform connecting research on financial services with development outcomes, including resilience and women’s economic empowerment.
- **FinDev Gateway** — Independent knowledge-sharing platform for the financial inclusion community, renamed from Microfinance Gateway in 2018.
- **FinEquity** — CGAP-convened community for learning and collaboration on women’s financial inclusion.
- **Responsible Digital Credit** — Technical guidance on responsible digital credit for public authorities and providers.
- **Women’s Economic Empowerment Measurement Indicators** — Menu of indicators and guidance for assessing empowerment in financial inclusion interventions, developed with IPA and FinEquity.
- **Access to Insurance Initiative (A2ii)** — CGAP became host and convenor in July 2025, working with IAIS on inclusive and responsible insurance.

## Achievements

- Reported work in 64 countries and 23 pilots across 28 countries in FY2025.
- Launched Impact Pathfinder in February 2025.
- JUMO laboratory disclosure experiment reduced defaults from 29% to 20%; the disclosure changes were subsequently integrated into provider messages.
- Bancosol in Bolivia adopted women’s economic empowerment indicators, according to CGAP’s FY2025 report.
- Became host and convenor of A2ii effective July 1, 2025.

## Latest updates

- **2026-10** — Published Beyond Access: Thailand and the Frontiers of Financial Inclusion, examining the shift from access toward quality, safety, and outcomes.
- **2026-07** — Published an independent evaluation of FinDev Gateway following research conducted January-March 2026.
- **2026-06** — Published Opening the Black Box on the Impact of Inclusive Credit, synthesizing 405 credit-focused studies and institutional-level analysis.
- **2025-12** — Published the FY2025 annual report with $29.7 million in operating expenses and $19.1 million in reported member contributions and associated funding.
- **2025-07** — Became host and convenor of the Access to Insurance Initiative.

## Links

- Website: https://www.cgap.org/
- LinkedIn: https://www.linkedin.com/company/cgap-world-bank-group
- Twitter/X: https://twitter.com/cgap
- YouTube: https://www.youtube.com/channel/UCUO7nlegYLiGPNm5R0cfOiA
- Facebook: https://www.facebook.com/CGAPFinancialInclusion

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Profile page: https://yespress.io/cgap
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Last updated: 2026-10-24