MIMOSA | E Mfp

The Microfinance Index of Market Outreach and Saturation (MIMOSA), partnered by e-MFP, is an effort to fill an important gap in the sector by establishing a standard framework for measuring credit saturation. In doing so, it gives market participants – MFIs, investors, and regulators – a tool that can guide important planning decisions that avoid excessive saturation and over-indebtedness, while highlighting areas that remain underserved.

The project is a major initiative in the microfinance sector, funded mostly from subscriptions and commissions from microfinance investment funds, NGOs and development finance institutions.

Since 2017, e-MFP is proud to partner with MIMOSA to support the initiative and take a proactive role on avoiding over-indebtedness – an issue that is almost universally seen as the key risk facing microfinance.

This January 2026 update, based on borrowing trends published by the 2025 Global Findex Survey, covers 87 countries, and provides the first set of comprehensive market saturation data since the end of the COVID-19 pandemic.

They are available by subscription, with significant discounts for e-MFP members and ATLAS subscribers.

See the subscription fee schedule here

See a sample file showing country scores here

To learn more about the MIMOSA methodology, please consult the two white papers published by the project: MIMOSA 2.0 & MIMOSA 2.1