Pulse Lab Jakarta collaborated with the UNCDF Shaping Inclusive Finance Transformations (SHIFT) programme to undertake an analysis of financial services usage, particularly among women in the ASEAN region.
The project analysed customer savings and loan data from four Financial Service Providers (FSPs) in Cambodia to understand the factors that affect savings and loans mobilisation, as well as how usage of these products explains economic issues in Cambodia.
Although women and men in Cambodia have equal access to financial services, women have a lower level of financial service usage. The first phase of analysis showed that for all FSPs, women had lower average loans and savings mobilised.
Pulse Lab Jakarta is conducting further studies on customer segmentation, network analysis, and adaptive capacity, which are expected to reveal insights on the types of customers, as well as patterns of short and long term resilience to climate shocks. More broadly, the research aims to gather insights on ways to improve microfinance services in order to accelerate national economic growth.