The financial exclusion of microenterprises and households, 2002

The paper sets out a framework for considering the issues which have to be addressed before appropriate alternative financial service delivery mechanisms can be established and financial exclusion diminished. The framework suggests a definition of ‘microenterprise financing’ applicable to all APEC economies. This is based on the Asian Development Bank’s definition of microfinance, intended for developing economies, but which can be seen as having wider application