MSC - MicroSave Consulting

27/08/2026

Across India, millions of women in self-help groups run thriving small businesses and want to expand. Banks want to lend to them, but standard loan requirements get in the way.

Most rural women entrepreneurs do not have formal invoices from local village suppliers or land deeds registered in their own names. Instead, the land may be registered in their in-laws’ names.

For these loans to work on the ground, banking processes must reflect the realities of rural businesses. Banks need practical paperwork and smarter, alternative ways to assess credit.

Read our blog to see how these approaches can work on the ground: https://tinyurl.com/5fuepnfr



Gates Foundation India World Bank Group Ministry of Rural Development, Government of India Small Industries Development Bank of India

27/08/2026

GA Insurance Ltd. and MSC sign MoU to strengthen financial inclusion in the fisheries sector

GA Insurance Ltd. and MSC (MicroSave Consulting) have signed a memorandum of understanding (MoU) to expand access to financial education, insurance, and risk management support for fish farmers across Africa.

Through this partnership:

GA Insurance will provide Samaki Bima, a tailored aquaculture insurance solution that protects fish farmers against production risks;

MSC will deliver financial and insurance education through the Women and Youth Economic Empowerment in Fisheries Through Inclusive Market Access program, implemented by TradeMark Africa and the African Continental Free Trade Area (AfCFTA) Secretariat in partnership with the Mastercard Foundation.

This collaborative effort aims to empower more than 242,000 women and youth through new opportunities and expanded access to existing opportunities in fish trade. It also seeks to unlock more than USD 100 million in fish product exports to support higher household incomes and improve food security and nutrition in marginalized and vulnerable communities.

Together, these efforts will help fish farmers better understand risk, protect their livelihoods, and build stronger, more resilient businesses.



Mastercard Foundation | TradeMark Africa | African Continental Free Trade Area (AfCFTA) Secretariat

26/08/2026

The enterprise finance initiative shows what happens when rural women gain access to real capital: they build businesses and strengthen their communities.

Small loans have helped women start businesses for years. However, larger bank loans that support business growth remain difficult to access.

JEEViKA and MSC (MicroSave Consulting) address this challenge through the enterprise finance initiative. This initiative trains local women as “Udyami Didis” who serve as trusted guides in their villages. They help women navigate documentation, build financial confidence, and connect directly with banks to access government-promoted schemes.

Watch the video to see the real impact when determination gets the backing it deserves.



Gates Foundation India Small Industries Development Bank of India Ministry of Rural Development, Government of India World Bank Group

24/08/2026

From SHGs to growth-ready enterprises: Unlocking finance for women entrepreneurs​

Self-help group (SHG) women entrepreneurs increasingly seek large-ticket individual loans to grow their businesses and strengthen their livelihoods. Yet, access to finance often remains fragmented, slow, and difficult to navigate due to barriers, such as limited financial literacy, inadequate infrastructure, and persistent social norms.​

With support from the Gates Foundation India, MSC (MicroSave Consulting) addresses this challenge through a market-led approach that expands access to enterprise finance for SHG women.​

We have supported enterprise financing initiatives at both the state and national levels. These efforts have expanded to include a broad range of financial products and services, enabled through digital channels.​

Our approach spans the entire ecosystem. We have designed and refined enterprise finance products and operating models, strengthened enabling systems, and improved delivery through state rural livelihood missions (SRLMs), such as Bihar Rural Livelihoods Promotion Society (BRLPS), locally known as JEEViKA, Uttar Pradesh State Rural Livelihood Mission (UPSRLM), and Uttarakhand State Rural Livelihood Mission (USRLM); community cadres; cluster-level federations (CLFs); and banks. This work is now being scaled through partnerships with the National Rural Livelihoods Mission (NRLM), digital platforms, and other national stakeholders.​

The results reveal that more than 518,855+ women-led enterprises have accessed enterprise loans worth USD 372 million.​

We remain committed to a stronger ecosystem and broader access to enterprise finance. These efforts will enable more women microentrepreneurs to build resilient businesses, improve livelihoods, and contribute to local economic growth.​

Read More: https://tinyurl.com/5yas74cc ​

Follow for more insights into women’s enterprise finance.​

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World Bank Group Uttarakhand State Rural Livelihood Mission

19/08/2026

How do you get large government systems to adopt new ideas? ​
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In Episode 2 of GovTech Talks, Dr. Charity Moore shares the reality of driving digital reform in public programs. The key is to go beyond convincing everyone in the system and find internal champions who want to examine the data and solve real bottlenecks on the ground.​
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Watch the full conversation on YouTube: https://tinyurl.com/3pz4asy5



World Bank Group Gates Foundation Asian Development Bank United Nations Development Programme - UNDP The Ohio State University Yale University eGovernments Foundation

MicroSave Consulting (MSC) is a global consulting firm that has, fo...

17/08/2026

How can technology cut bureaucratic red tape & spot delivery gaps?

In Episode 2 of GovTech Talks, Dr. Charity Moore & Ritika Singh explore effective social protection systems, from payment bottlenecks to streamlined program workflows & timely delivery.

Watch now: https://tinyurl.com/3pz4asy5



Gates Foundation Asian Development Bank The Ohio State University Abdul Latif Jameel Poverty Action Lab (J-PAL) Yale University World Bank Group United Nations Development Programme - UNDP eGovernments Foundation

14/08/2026

India does not have a waste problem. It has a system problem.​

Every year, households, businesses, municipalities, transporters, recyclers, and processors handle millions of tons of waste. The challenge does not stop at waste collection.​

Cities also need to know where the waste goes, who is accountable, how much is recovered, and how much value is lost along the way. ​

The Solid Waste Management Rules, 2026, highlight an important shift. They move the focus from managing waste to governing the entire waste ecosystem through accountability, traceability, and circularity.​

What does this shift mean for cities, businesses, and the future of waste governance?​

Swipe through for more insights.​

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13/08/2026

What if data became as essential as pipelines?​

Cities need sanitation infrastructure, but infrastructure alone cannot guarantee reliable services. These cities also need timely information about how their assets perform.​

Some Indian cities already use real-time data to answer these key questions:​

• Which sanitation assets need maintenance today?​
• Which facilities underperform?​
• Where should cities deploy resources first?​
• Which investments deliver the best outcomes?​

The opportunity now is to make this the norm rather than the exception.​

Digital monitoring can help cities understand infrastructure performance, identify problems, and make better decisions. Data does not replace infrastructure, as it helps infrastructure perform better.​

As India’s sanitation sector evolves, the biggest innovation may not be another construction project. It may be giving cities the information they need to improve services every day.​

Explore our latest blog on how digital monitoring can help move sanitation from reactive repairs to proactive service delivery: https://tinyurl.com/3jtjeybh​

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Asian Development Bank World Bank Group United Nations Development Programme - UNDP Water.org

12/08/2026

Everyone celebrates what gets built, but very few celebrate what keeps working. This remains one of the biggest blind spots in infrastructure conversations.​

We celebrate new treatment plants, new sewer networks, and new toilets.​

Yet, years later, no one talks about maintenance.​

Who ensures that these assets continue to deliver safe and reliable services? Who connects city spending with the services residents actually receive?​​

India has built sanitation infrastructure at an extraordinary scale. The next phase of the country’s sanitation journey will require more than construction.​

Cities must also operate, maintain, and finance the infrastructure they have already built.​ The next wave of innovation in India’s sanitation sector needs to focus on improving how cities operate, maintain, and finance existing infrastructure.

Read our latest blog that explores the innovation needed to ensure that existing sanitation infrastructure continues to work: https://tinyurl.com/3jtjeybh

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World Bank Group Water.org Swachh Bharat Mission - Urban Asian Development Bank United Nations Development Programme - UNDP

12/08/2026

The Gender Equality, Disability, and Social Inclusion (GESDI) team at MSC (MicroSave Consulting) participated in the World Disability and Rehabilitation Conference 2026, held in Bali and organized by the International Institute of Knowledge Management (TIIKM). The conference brought together around 200 participants from 27 countries.

At the conference, our GESDI team presented a paper on inclusive financial access for women with disabilities and its link to financial well-being. We are now expanding the paper into a full publication, incorporating insights and perspectives from the conference discussions.

Rahmatika Febrianti, Manager at MSC’s GESDI team, said that financial inclusion for women with disabilities is more than access to financial services. It also requires an understanding of the barriers they face and financial products and services that respond to their needs and support their financial well-being.

At MSC, we work to strengthen financial inclusion by understanding the barriers faced by people with disabilities and collaborating with financial service providers and other stakeholders to make financial services more inclusive.

Thank you to TIIKM and everyone involved in the conference for the opportunity to share our work and participate in the discussions.

Learn more about MSC’s work on disability inclusion on: https://tinyurl.com/5n6tyx6s