Research and Seminars

Public Credit Registries and Bureaus in LAC


Public Credit Registries, Credit Bureaus, and the Microfinance Sector in Latin America and the Caribbean
Written by: MicroRate

After many years of successfully integrating themselves into the financial system, many microfinance institutions (MFIs) have channeled good quality financial services to low-income households.Although mostly involved in offering microcrdit, nowadays many MFIs also provide other products such as saving accounts, remittances, insurance, etc. Needless to say that microfinance has become an important tool for achieving financial inclusion.

Maintaining a healthy performance remains an important challenge MFIs face. Tools for healthy and sustainable growth among MFIs include access to timely and reliable information of their clients, information that normally provided by credit bureaus and public credit registries. Both entities are instrumental in preventing over-indebtedness, by providing key information that allows MFIs to assess, in an effective manner, the actual indebtedness level of their current and potential clients.

The white paper,Public Credit Registries, Credit Bureaus, and the Microfinance Sector in Latin America and the Caribbean was prepared by MicroRate, and jointly sponsored by Calmeadow, the Multilateral Investment Fund of the IADB Group and CAF Banco de Desarrollo. The white paper aims at identifying the best credit information-sharing practices in Latin America and the Caribbean as well as opportunities for improvement.

The sponsors would like to think that this white paper will contribute to the strengthening of the public credit registries and credit bureaus, trusting that it will contribute to a greater transparency of the microfinance sector and the financial system in general.

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Download a PDF file of this white paper (English version):


Download a PDF file of this white paper (Spanish version):