The intangible view of impact

The intangible view of impact:
financial skills

Financial inclusion has another dimension that is generally not assessed: the generation of financial attributes that build up as people become more used to dealing within the financial system.

Defining financial skills

When we interact in social media, we are generating our own personal brand. This is similar in the formal financial system: people generate their own financial brand. As clients build up experience in the system, they define their own financial attributes.

The client relationship generates:

Clients who operate only in the informal financial system add uncertainty, because their risk and their potential performance cannot be assessed.

Banked clients, on the other hand, are more valuable as financial actors.

How we calculate it

Entrepreneurs’ experience within the financial system has a value. Every time they interact with it, we quantify this along these dimensions:

Intangible financial value is aggregated from all of these dimensions. The result is an amount that can be monetized, depending on the resources handled by the client (credit, savings, insurance).