Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The focus of the report is on innovative financing strategies to support inclusive credit fintech companies in Africa, particularly those targeting underserved micro and small enterprises (MSEs) which face a global credit gap estimated at $4.9 trillion [11] - Despite the potential, accessing diverse and appropriate funding sources remains a critical challenge for early-stage fintech companies, especially those that are not yet profitable [11][12] - Traditional venture capital (VC) has been a primary funding source but is inefficient and costly, making it unsuitable for scaling loan portfolios [11] - Debt financing is becoming increasingly important for early credit fintech companies that have positive or improving unit economics but have not yet reached breakeven [11][12] - New investment approaches are emerging that balance investor caution with the need to nurture innovation, utilizing advanced screening methods and data-driven insights to identify and support high-potential fintech companies [11][12] Summary by Sections Section 1: Financing Inclusive Credit Fintechs: Past and Present - The report reviews the flow of funds over the past decade, highlighting the types of investors, tools used, and insights into target fintech companies [28] - Nearly 270 inclusive credit fintech companies raised over $4 billion in the past decade, representing one-third of all fintech investment in Africa [33] - The growth accelerated from 2017, with a peak in 2023 due to increased digital financial service usage post-COVID-19 [33] - However, only 16% of inclusive credit fintech companies raised over $10 million, yet they accounted for 90% of total funding [33] Section 2: Financing Inclusive Credit Fintechs: The Future - This section discusses recent data-driven innovations where innovative asset managers integrate with portfolio companies via APIs, allowing real-time access to financial and operational data [29] - Alternative debt tools are being provided to early fintech companies, showcasing case studies of these process and product innovations [29] Section 3: Bridging the Gaps in Inclusive Credit Fintechs - The report emphasizes the role of data-driven investment in expanding financing options for inclusive fintech companies, highlighting areas needing technical assistance [30] - Development finance institutions (DFIs) are identified as key players in driving the industry forward through innovative investment tools [30]

Investment Rating - The report does not explicitly provide an investment rating for the carbon market and climate finance in Gabon's forest sector Core Insights - Gabon is positioned to deepen its engagement in international carbon market mechanisms, particularly following the finalization of the Article 6 rulebook of the Paris Agreement at COP29, linking this opportunity to its broader development agenda of transitioning from a hydrocarbon-dependent economy to a diversified, sustainable model [26][27] - The Strategic Roadmap for Climate Finance and Carbon Markets aims to operationalize access to carbon markets and climate finance mechanisms, focusing on the forestry sector where Gabon has a comparative advantage as a High Forest, Low Deforestation (HFLD) country [27][30] - Gabon's forests contain over 8.1 billion tons of carbon, representing almost 86 percent of annual global CO₂ emissions from the energy sector, yet the country currently realizes only a minor share of this value domestically [29][12] - The roadmap outlines immediate priorities for the forest sector to enhance Gabon's involvement in carbon markets and climate finance, emphasizing the need for legal clarity, institutional frameworks, and stakeholder capacity [30][44] Summary by Sections Executive Summary and Recommendations - Gabon is at a critical juncture to engage in international carbon markets, with carbon markets serving as a strategic lever to mobilize climate finance [26] - The roadmap emphasizes the need for readiness in technical systems, institutional frameworks, and legal clarity to operationalize access to carbon markets [27] Background and Objective - The report provides a detailed framework for advancing carbon finance initiatives within Gabon's forest sector, complementing the Gabon Forest Ecosystem Accounts [11] Key Decisions and Requirements for Carbon Markets Participation - The roadmap identifies strategic and regulatory foundations necessary for carbon market participation, including governance, integrity, and reporting [6][7] HFLD Specificities, Forest Offsets Standards and Climate Finance - Gabon aims to mobilize climate finance through results-based payments and participation in international carbon markets under Article 6, particularly through Internationally Transferred Mitigation Outcomes (ITMOs) [34][35] Priority Recommendations and Action Areas - The roadmap outlines six key policy pillars and priority action areas to strengthen participation in results-based payments and leverage climate finance [58][65] - Key actions include establishing a national carbon registry, defining carbon rights, and integrating carbon markets into the Nationally Determined Contributions (NDC) [59][60] Conclusion and Next Steps - The report concludes with a call for immediate actions to address gaps in Gabon's legal and institutional frameworks, emphasizing the importance of stakeholder engagement and capacity building [45][50]

Investment Rating - The report indicates a steady progress in implementing evaluation recommendations, with a notable improvement in the quality of evidence supporting these recommendations [12][15]. Core Insights - The FY25 Management Action Record (MAR) reflects the World Bank Group's (WBG) commitment to accountability, learning, and adaptation in implementing recommendations from Independent Evaluation Group (IEG) evaluations [12]. - The report covers progress on 72 recommendations from 28 evaluations, with 13 new recommendations introduced in the FY25 cycle [12]. - A significant reduction in the percentage of recommendations assessed as "limited evidence" (LE) from 34% in FY24 to 13% in FY25, while "emerging evidence" (EE) assessments increased to 71% [12][15]. - The highest level of assessment, "change of direction" (CD), saw a slight decline from 22% to 17% [12][15]. - No recommendations were classified as "progress constrained" (PC) in FY25, compared to two in FY24 [12][15]. Summary by Sections Overview of Performance - The report highlights the distribution of recommendations across assessment levels, showing significant improvement in evidence quality [12][15]. - The total number of recommendations decreased from 77 in FY24 to 72 in FY25, with a projected further reduction to 68 in FY26 [22]. Evidence of Progress and Self-Assessment: Highlights - Implementation progress varies by recommendation, with some achieving CD in less than four years [19]. - The report notes that 12 recommendations reached CD in FY25, with eight of these achieving it before the standard four-year reporting period [19][20]. - Management proposed the retirement of 19 recommendations from 14 evaluations, reflecting confidence in the sustainability of implemented systems and structures [22]. Evaluation Themes - The evaluations cover various themes, including Prosperity, Planet, Infrastructure, Digital, and Cross-Cutting issues, with specific recommendations for each theme [27]. - The report emphasizes the importance of cross-organizational collaboration in addressing complex challenges, such as climate action and gender equality [12][22].

Investment Rating - The report does not explicitly provide an investment rating for the healthcare sector in Azerbaijan, particularly regarding hypertension and diabetes care. Core Insights - Azerbaijan is facing significant challenges with noncommunicable diseases (NCDs), particularly hypertension and diabetes, which affect approximately 30% and 7% of the adult population respectively. The burden of these diseases is compounded by high rates of obesity and overweight individuals, with 21% of adults classified as obese and 55% as overweight or obese. The financial burden of managing these conditions is substantial for individuals and the healthcare system [16][24]. Summary by Sections Executive Summary - The report highlights the critical need for reforms in Azerbaijan's healthcare system to improve access, quality, and financial protection for NCD care. It emphasizes the importance of addressing the high prevalence of hypertension and diabetes as part of the country's health agenda [16][17]. Study Objectives - The objectives include assessing the continuum of care for hypertension and diabetes, evaluating current needs, identifying barriers to care, and proposing actionable recommendations to improve primary healthcare systems [56]. Methods - A mixed methods explanatory design was employed, combining quantitative data from medical records of 800 hypertension and 600 diabetes patients with qualitative insights from healthcare providers and patients. The study was conducted across eight district-level health facilities [58][19]. Results: Quantitative Component - Hypertension care showed near-universal blood pressure checks (98% coverage), but only 6% of patients had controlled blood pressure within a year. Diabetes care revealed significant gaps, with 30% of patients lacking fasting plasma glucose test results and only 7% having documented annual monitoring visits [20][21]. Results: Qualitative Component - Insights from healthcare providers and patients indicated barriers such as limited authority of general practitioners, poor medication access, and inadequate patient education. Proposed solutions included enhancing health literacy and improving the role of GPs in patient management [22][26]. Conclusions - The report concludes that hypertension and diabetes should be prioritized in Azerbaijan's health strategy. It notes that while mandatory health insurance has improved access, affordability and quality of care remain significant challenges. The need for better integration of care for patients with multiple NCDs is emphasized [24][40]. Recommendations - Recommendations include improving healthcare infrastructure, enhancing digital health tools, increasing government support for NCD patients, and integrating care across different levels of the healthcare system. Continuous training for healthcare workers and patient education programs are also suggested to improve outcomes [29][33][34][37].

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - Indonesia faces significant challenges with informality and job quality, with a high degree of informality impacting productivity and economic growth [7][8] - The country has achieved upper middle-income status in 2023, but productivity has declined from $7,530 per worker in 2015 to $5,336 in 2023 [7] - Informal employment is prevalent, with estimates indicating that 81.2% of the labor force is informal, highlighting the need for reforms to improve job quality and formalization [31][39] Chapter Summaries Chapter 1 - Indonesia's Growing Informality - Informal work is the norm in Indonesia, with 59.1% of the labor force classified as informal by national standards, while international standards suggest this figure is as high as 81.2% [31][34] - The agriculture and services sectors are the most informal, with 94% of agricultural workers and a significant portion of service workers lacking formal protections [28][29] - The report emphasizes the need for reforms to address the high levels of informality, which hinder productivity and economic growth [19][20] Chapter 2 - Escaping the Informality Policy Trap - Priority 1: Expand social insurance to reduce reliance on distortionary labor regulations [41] - Priority 2: Leverage credit programs to promote registration and productivity growth [44] - Priority 3: Embrace the benefits of digital transformation to facilitate formalization [46][22]

Investment Rating - The report does not provide a specific investment rating for the industry. Core Insights - Pluralistic ignorance (PI) is a social norms phenomenon where individuals misperceive the beliefs or behaviors of others, leading to actions that contradict their personal preferences. This misalignment can perpetuate harmful social norms that limit opportunities for women and girls, making it crucial to address PI through policy interventions to promote gender equality [2][22][31]. Summary by Sections I. Background - Evidence from low- and middle-income countries indicates that advancing gender equality requires understanding and addressing the social norms that shape behavior. PI is a significant factor in this context, as it leads individuals to act against their preferences due to misperceptions about the acceptance of certain behaviors [8]. II. Defining Pluralistic Ignorance - PI occurs when individuals believe their personal beliefs are not shared by the majority, leading to a disconnect between personal attitudes and perceived social norms. This phenomenon has been studied across various fields and is critical in understanding social behaviors [22][26]. III. Pluralistic Ignorance as a Policy Concern - PI can hinder collective action on public issues, including gender inequality. It can obstruct women's participation in the labor force and reinforce harmful norms, making it a significant concern for policymakers [31][32]. IV. The Challenges of Identifying and Intervening on Pluralistic Ignorance - Addressing PI requires careful intervention design, including identifying the correct norms to target and understanding the social context. Misperceptions can vary widely, and interventions must be tailored to specific groups to be effective [52][54][60]. V. Conclusion - Correcting misperceptions about social norms can be a low-cost and scalable intervention. However, it is essential to combine these efforts with structural changes to ensure long-term effectiveness and sustainability in promoting gender equality [37][74].

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The Subnational B-READY project aims to enhance the business environment across various regions in the European Union, focusing on actionable reform pathways to empower governments and entrepreneurs [16][30] - The study covers 66 cities across six EU Member States, including Czechia, and emphasizes the importance of addressing regional disparities in regulatory environments to promote private-sector growth and job creation [30][33] - Key findings indicate that while the regulatory framework is harmonized, significant variations exist in the implementation of business regulations and public service delivery across Czech cities [40] Summary by Relevant Sections Executive Summary - The Subnational B-READY series assesses the business environment in different EU regions, building on previous studies and aiming to provide actionable insights for policymakers [30][31] Findings from the Enterprise Surveys Data - Business Entry is the strongest-performing area with an average score of 88.1 out of 100, indicating a well-functioning registration process [40] - Dispute Resolution scores the lowest at 67.1 points, highlighting issues such as lack of specialized commercial courts and slow judicial processes [40] - Business Insolvency shows significant disparities among cities, with scores ranging from 81.8 in Brno to 68.0 in Ústí nad Labem, indicating varied efficiency in liquidation and reorganization procedures [40] Business Entry - The process is fully digitalized and inexpensive, but there are opportunities to streamline requirements further, such as eliminating the need for specific bank accounts for capital deposits [42][43] Business Location - Property Transfer processes are hindered by a mandatory 20-day block period, suggesting the need for a fast-track option to improve efficiency [44] - Building Permitting is affected by fragmented regulations, and further digitalization is needed to enhance coordination among agencies [47] Utility Services - Electricity provision is generally well-regulated, but improvements are needed in service reliability and infrastructure coordination [50] - Water connection processes could benefit from enhanced transparency and digitalization, with Brno serving as a model for best practices [51] Dispute Resolution - The legal framework is sound, but stronger case-management practices and specialized commercial courts are recommended to improve efficiency [55][56] Business Insolvency - The report highlights the limited use of reorganization procedures and suggests fostering a stronger reorganization culture to preserve viable businesses [57]

公开披露经授权 公开披露经授权 在复苏之路上：应对乌克兰 交通运输劳动力短缺问题 ©MDCT 公开披露经授权 公开披露经授权 在复苏之路上：应对乌克兰交通运输劳动力短缺问题 © 2025 世界银行 1818 H街西北，华盛顿特区，20433，美 国 电话：202-473-1000；互联网： www.worldbank.org 部分权利保留。 此项工作是世界银行的成果。本报告中表述的发现、解释和结论不一定反映世界银行执行董事或其所代表政府的观点。 世界银行不对本作品中包含的数据的准确性、完整性或时效性做出保证，也不对信息中存在的任何错误、遗漏或差异，或对使用 或未使用所提供的信息、方法、程序或结论负责任。本作品中显示的边界、颜色、名称、链接/脚注和其他信息并不代表世界银 行对任何领土的法律地位做出的任何判断，也不代表世界银行对这些边界的认可或接受。引用他人的作品并不意味着世界银行认 可这些作者所表达的观点或其作品的内容。 本协议任何内容均不构成或被视为对世界银行的特权和豁免权的限制或放弃，所有这些特权和豁免权均被专门保留。 权利与许可 该作品中的材料受版权保护。由于世界银行鼓励传播其知识，只要注明对这项作品的完 ...

利比亚 经济监测 在公共财务管理中建立问责 制和透明度的路径 公开披露已获授权 2025年秋季 公开披露已获授权 公开披露已获授权 公开披露已获授权 中东、北非、阿富汗和巴基斯坦（MENAAP）地区 2025年秋季 设定公共财政管理中的问责与透明路径 利比亚经济监测 © 2025 世界复兴银行 / 世界银行 1818 H街西北 华盛顿特区 20433 电话：202-473-1000 互联网：www.worldbank.org 这项工作是世界银行工作人员的成果，并得到了外部贡献。这项工作中表达的调查结果、解释和结论不一定反映世界银行的看法 、其执行董事会或它们所代表的政府的观点。 世界银行不保证本作品中包含的数据的准确性、完整性或时效性，也不对信息中出现的任何错误、遗漏或差异承担责任，或对使 用或未能使用所提供的信息、方法、程序或结论承担责任。本作品中任何地图上显示的边界、颜色、面值和其他信息，均不意味 着世界银行对任何领土的法律地位作出任何判断，也不意味着对这样或那样的边界给予认可或接受。 世界银行的联系，所有这些都专门保留。 本条款中任何内容均不构成或被视为对特权和豁免的限制或放弃 本作品中包含的材料受版权 ...

公共披露已获授权 公共披露已获授权 公共披露已获授权 公共披露已获授权 聚焦说明 青年女性的普惠 金融路径 金融服务提供者和出资者的机遇 2025年12月 • 拉尼·德什潘德和阿诺尼克·孔宁 致谢 这份CGAP焦点简报是在与加纳和坦桑尼亚的金融服务提供者 进行构思流程后开发的。作者感谢加纳的G-Money和CAMFE D以及坦桑尼亚的BRAC和CRDB银行基金会，以及来自金融 部门深化坦桑尼亚（FSDT）、71point4、Gmaurich Insights 、Indago、Yux和Konfidants咨询公司的同事，他们为研究和 构思工作做出了贡献。 同时感谢以下同行评审专家的宝贵反馈：CGAP的Jamie And erson、Estelle Lahaye和Xavier Faz，以及来自盖茨基金会的 Amani M'bale和Arora Associates的Sukhwinder Arora等外部 评审专家。我们还要感谢CGAP的Jahda Swanborough、Meli nda Wood和Simrin Makhija在沟通方面的支持。 权利与许可 这项工作在Creative Commons Attrib ...