Expanding financial inclusion of low-income workers in global supply chains

Two billion adults globally do not use formal financial services to save or borrow money, and women disproportionately lack access and control over financial resources. As a result of their financial exclusion, the world’s poor are often unable to break the vicious cycle of poverty.


2.5 billion of the world’s adults do not use formal financial services.


39% of women in India are less likely than men to have a bank account.

Ensuring the poor—particularly women—have the proper knowledge, skills, and attitudes toward financial services, and enabling them to participate in the formal financial sector, has significant benefits:

  • It allows individuals to save for emergencies and build resilience to economic shocks, such as illness or loss of employment
  • It empowers women to influence financial decision-making, which shifts household spending patterns in ways that benefit children and families
  • It enables low-income adults to invest in economic opportunities
  • It supports investments in health and education

Focus Areas

HERfinance™ is based on the standard HERproject activities, with the following focus areas:

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Guidance on financial planning, budgeting, and savings to improve resilience to economic shocks

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Knowledge and confidence-building to enable women to take control over their finances

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Awareness raising on benefits of formal vs. informal financial services

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Middle management training on administering digital payroll

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Strengthening Management Systems

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Conversion of payroll from cash to digital to support financial inclusion of employees

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Integration of financial education into new hire onboarding training

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Linkages to local financial services providers

Featured Story

The HERfinance training has really helped me a lot. One of the benefits I have gained is self-confidence, and I now believe that I can save for the long-term needs of my children.

My eldest daughter is very smart, and we are saving for her so she can become a doctor. After the training we started planning exactly how much we have to save each month to educate her and all our children, and we are actually meeting that goal. We have already put aside Rs. 25,000 until now for that purpose.

One of my life’s goals is not only to learn how to plan for the future, but to share this information with others so they can benefit from it as much as we have.