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aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Forum\">GRF<\/abbr> \u00b7 Capital Nexus<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Finance and inequality<\/h1><p class=\"nx-scene-lede\">Finance shapes who can save, borrow, insure and invest, and fiscal choices shape who pays for public capital and who benefits from it. Access gaps, the incidence of taxes and transfers, the cost of debt service and the distribution of losses after crises all carry distributional consequences. This page sets out how finance and inequality interact, how distributional outcomes and access are measured, and which institutions hold the decisions that change them.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskforum.com\/capital\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskforum.com\/capital\/topics\/\">Back to Topics<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">How the work runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"dag\"><div class=\"nx-hero-canvas\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Systems<\/strong> \u00b7 around this subject<\/span><span class=\"nx-eyebrow\">Illustrative<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-capitalgov-pipeline\" data-cx=\"capitalgov.pipeline\" data-variant=\"section\" aria-label=\"Public investment pipeline: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Public investment pipeline<\/h3><p class=\"nx-fk-sub\">Finance and inequality \u00b7 Member state A \u00b7 Budget cycle 2<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure&#8217;s values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>4 projects unscreened<\/span><span class=\"nx-cx-prod\">GRF \u00b7 Capital Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"4\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Pipeline<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-capitalgov-pipeline-t0\"><table class=\"nx-fk-table\" data-fk-table=\"cx-capitalgov-pipeline-t0\" aria-label=\"Pipeline\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Project<\/button><\/th><th scope=\"col\" data-col=\"c1\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Sector<\/button><\/th><th scope=\"col\" data-col=\"c2\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Climate screen<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Appraisal<\/button><\/th><th scope=\"col\" data-col=\"c4\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c4\">Stage<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-capitalgov-pipeline:r0-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\" aria-current=\"true\" data-cur=\"true\"><td>Coastal road upgrade<\/td><td>Transport<\/td><td><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>High risk<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Redo<\/span><\/td><td>Appraisal<\/td><\/tr><tr data-fk-key=\"cx-capitalgov-pipeline:r0-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>District hospital<\/td><td>Health<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Done<\/span><\/td><td>Committee<\/td><\/tr><tr data-fk-key=\"cx-capitalgov-pipeline:r0-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Irrigation scheme<\/td><td>Agriculture<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Medium<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Done<\/span><\/td><td>Financing<\/td><\/tr><tr data-fk-key=\"cx-capitalgov-pipeline:r0-3\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Solar mini-grids<\/td><td>Energy<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Low<\/span><\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Done<\/span><\/td><td>Procurement<\/td><\/tr><\/tbody><\/table><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"2\" data-t=\"kv\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Committee<\/h4><\/div><\/div><dl class=\"nx-fk-dl\"><div><dt>Next meeting<\/dt><dd>week 9<\/dd><\/div><div><dt>Quorum<\/dt><dd>6 members<\/dd><\/div><div><dt>Conflicts<\/dt><dd>declared, recorded<\/dd><\/div><div><dt>GRF role<\/dt><dd>convening and methods<\/dd><\/div><\/dl><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Investment cycle<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"7\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Identify<\/span><span class=\"nx-cx-snote\">needs<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Screen<\/span><span class=\"nx-cx-snote\">climate and disaster<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Appraise<\/span><span class=\"nx-cx-snote\">cost-benefit<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Select<\/span><span class=\"nx-cx-snote\">committee<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Finance<\/span><span class=\"nx-cx-snote\">mix<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Implement<\/span><span class=\"nx-cx-snote\">monitor<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Evaluate<\/span><span class=\"nx-cx-snote\">ex post<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Public investment pipeline: the screen&#8217;s structure, terms and states for Finance and inequality.<\/span><span data-honesty=\"true\">Example names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>Public investment pipeline: example names and illustrative values, not a record or a live system.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Finance and inequality: how the risk develops.<\/h2><p class=\"nx-lede\">Distributional outcomes and access. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Access is uneven<\/h3><p class=\"nx-p nx-mt-1\">Households and small firms without accounts, credit histories or collateral pay more for finance or go without. Women, rural populations and informal workers face the widest gaps, which limit their ability to absorb shocks.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Debt service crowds out<\/h3><p class=\"nx-p nx-mt-1\">When interest payments rise relative to revenue, governments cut or defer spending on health, education and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 social-protection\" data-tk=\"Nexus risk vocabulary\" data-td=\"Public policies and programmes that help people manage risk and reduce poverty and vulnerability across their lives.\" data-ts=\"NRS-C1\" data-tr=\"draft\">social protection<\/a> first. The burden falls on those who rely most on public services.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Crises are regressive<\/h3><p class=\"nx-p nx-mt-1\">Financial crises, inflation and currency collapses erode wages and savings faster than assets. Rescue measures can protect creditors and asset holders while adjustment falls on workers and taxpayers.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.21 15.89A10 10 0 1 1 8 2.83\"\/><path d=\"M22 12A10 10 0 0 0 12 2v10z\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Fiscal incidence decides<\/h3><p class=\"nx-p nx-mt-1\">Who pays taxes, who receives transfers and who uses public services together determine whether public finance narrows or widens inequality. Incidence analysis makes that distribution visible before decisions are taken.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Activity and exposure in Latin America and the Caribbean.<\/h2><p class=\"nx-lede\">Night lights, population density and flood water over Latin America and the Caribbean, from NASA GIBS. Each layer carries its own date.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"latin-america:finance\" data-ml-points=\"on\" data-ml-feeds=\"eonet|https:\/\/eonet.gsfc.nasa.gov\/api\/v3\/events\" data-ml-src=\"finance\" data-ml-plan=\"p-ef833b8b\" data-ml-view=\"2d\" data-ml-ctx=\"theme:finance\" data-ml-list=\"gibs.energy.ntl gibs.health.people gibs.water.flood gibs.energy.fires gibs.water.true gibs.food.cover ev.eonet ev.usgs r.hbase r.goese r.labels\" data-ml-tools=\"inspect measure aoi export\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-118,-56,-34,33\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, Latin America and the Caribbean: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,people||||\" aria-pressed=\"false\">People and floods<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,ntl||||\" aria-pressed=\"false\">Floods and lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">3<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"nW\/(cm\u00b2 sr)\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.ntl\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>VIIRS Black Marble (VNP46A2) (NASA LAADS DAAC)<\/dd><dt>Provider<\/dt><dd>NASA LAADS DAAC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite radiance, corrected for moonlight and atmosphere<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite night-time radiance for the date shown; lights are a proxy for electricity use and outages, not a measurement of supply or access.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"estimated\" data-wm-lic=\"CC BY 4.0\" data-wm-unit=\"people\/km\u00b2\">Estimated<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.people\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Estimated<\/dd><dt>Source<\/dt><dd>Gridded Population of the World v4.11 (NASA SEDAC (CIESIN, Columbia University))<\/dd><dt>Provider<\/dt><dd>NASA SEDAC (CIESIN, Columbia University)<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener noreferrer\">CC BY 4.0<\/a><\/dd><dt>Vintage<\/dt><dd>null; Census-based estimate, static (2020)<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Census-based estimate of people per square kilometre in 2020, shown as exposure context; not a count of people affected by any hazard.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"true\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\">Observed (clouds leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.flood\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS Global Flood Product (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 250 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite detection; clouds leave gaps. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"MW\">Observed (clouds and overpass timing leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.fires\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds and overpass timing leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 375 m (FIRMS) (NASA LANCE FIRMS)<\/dd><dt>Provider<\/dt><dd>NASA LANCE FIRMS<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds and overpass timing leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-13<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite hot-spot detections for the day shown, including gas flares and industrial heat; not a confirmed fire, an incident report or a warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"5\" data-wm-lag=\"1\" data-wm-op=\"0.6\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.true\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 corrected reflectance (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite image<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 250 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite image. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"cover\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-time=\"latest\" data-wm-op=\"0.7\" data-wm-short=\"Land cover\" data-wm-prov=\"NASA LP DAAC\" data-wm-kind=\"Satellite classification; latest year GIBS publishes\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land cover type (IGBP), yearly<\/span><span class=\"nx-wm-layer-src\">NASA LP DAAC MODIS Terra and Aqua land cover (MCD12Q1) \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"modelled\" data-wm-lic=\"NASA open data\" data-wm-unit=\"class\">Modelled (latest year GIBS publishes)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"cover\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.food.cover\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Modelled (latest year GIBS publishes)<\/dd><dt>Source<\/dt><dd>MODIS Terra and Aqua land cover (MCD12Q1) (NASA LP DAAC)<\/dd><dt>Provider<\/dt><dd>NASA LP DAAC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>yearly; Satellite classification; latest year GIBS publishes<\/dd><dt>Newest at build<\/dt><dd>2024-01-01<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite land cover classes for the year shown, including croplands; a classification with known errors, not a farm register.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" 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distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"NxAjSJ6JoGGZsXu22d+kvA4nR9AJ6Njy+\/Xy2FIyELw=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\" aria-valuemin=\"0\" aria-valuemax=\"30\" aria-valuenow=\"30\" aria-valuetext=\"Latest available\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>Activity and exposure, framed on Latin America and the Caribbean.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date. They are indicators, not assessments of any place.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">\u00a9 OpenStreetMap contributors<\/a> \u00b7 Natural Earth \u00b7 NASA EONET \u00b7 U.S. Geological Survey \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.7927\/H49C6VHW\" rel=\"noopener\">doi:10.7927\/H49C6VHW<\/a>. <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.land\">MODIS land products (vegetation indices, gross primary production, land cover), NASA LP DAAC and LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). Cite as: NASA\/METI\/AIST\/Japan Spacesystems and U.S.\/Japan ASTER Science Team (2019). ASTER Global Digital Elevation Model V003. <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.5067\/ASTER\/ASTGTM.003\" rel=\"noopener\">doi:10.5067\/ASTER\/ASTGTM.003<\/a>. <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li><\/li><li>Live events: NASA Earth Observatory Natural Event Tracker (EONET); events are indicative and keep their original source links.<\/li><li>Live: NASA EONET Events are indicative, not authority warnings.<\/li><li>Live: U.S. Geological Survey Events are indicative, not authority warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>NASA GIBS: We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS).<\/li><li>Optional layers (5 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a> \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Active fires and thermal anomalies: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><li>Land cover type (IGBP), yearly: MODIS Terra and Aqua land cover (MCD12Q1), NASA LP DAAC \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/grf\/R05\/topics\/finance-and-inequality\/#map\" data-nxf-title=\"Capital Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"finance\" aria-label=\"Indicators, Twin and cascade simulator, Sources, Instruments and commitments\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Indicators, Twin and cascade simulator, Sources, Instruments and commitments\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-indicators\" aria-selected=\"true\" data-key=\"p1\">Indicators<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-twin\" aria-selected=\"false\" data-key=\"p2\">Twin and cascade simulator<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-sources\" aria-selected=\"false\" data-key=\"p3\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p4\">Instruments and commitments<\/button><\/div><section id=\"nx-sec-indicators\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Adults with an account at a financial institution or mobile money provider<\/td><td data-label=\"Unit\">percent of adults, by sex and income group<\/td><td data-label=\"Cadence\">triennial<\/td><td data-label=\"Source type\">Global Findex household survey<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Gini index of disposable income<\/td><td data-label=\"Unit\">index (0 to 100)<\/td><td data-label=\"Cadence\">annual where surveyed<\/td><td data-label=\"Source type\">Household income and expenditure surveys<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Interest payments relative to revenue<\/td><td data-label=\"Unit\">percent of general government revenue<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Government finance statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Change in inequality from taxes and transfers<\/td><td data-label=\"Unit\">Gini points (market to final income)<\/td><td data-label=\"Cadence\">per study<\/td><td data-label=\"Source type\">Fiscal incidence analysis<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Social spending<\/td><td data-label=\"Unit\">percent of GDP<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Government expenditure by function<\/td><td data-label=\"Label\"><span class=\"nx-chip\">Published statistics<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Small firm credit gap<\/td><td data-label=\"Unit\">US dollars<\/td><td data-label=\"Cadence\">per assessment<\/td><td data-label=\"Source type\">Enterprise surveys and financial sector data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Remittance transfer cost<\/td><td data-label=\"Unit\">percent of amount sent<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Remittance Prices Worldwide<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OBSERVED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/grf\/R05\/topics\/finance-and-inequality\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-twin\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-span=\"wide\" data-ns-layout=\"twin\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Twin and cascade simulator<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Exercise a cascade in finance and inequality with the people who decide.<\/h2><p class=\"nx-lede\">Assembled from the <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> area profile <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/disaster-and-climate-risk-finance\/\">Disaster and climate risk finance<\/a>: the hazards it names, the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and communities that carry the loss, the controls and institutions that dampen it and the data that observe it. Pick an initiating event and step through the cascade to see where mandates meet and which decisions fall to whom. The Map view places the run on an example geography with open data. Every weight is a stated assumption. An exercise for dialogue, not a forecast, an assessment or a position. To model a place of your own choosing, open the full <a class=\"nx-link\" href=\"https:\/\/globalriskforum.com\/system-builder\/\">System Builder<\/a>.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-ns-twin\" data-ns-data=\"nx-twin-es-topics-finance-and-inequality-R05\" data-ns-credits=\"Nexus Standards registry and area profiles; Nexus Hazard Standard NHS-1 1.1.0\"><div class=\"nx-ns-twin-static\"><div><p class=\"nx-eyebrow\">Hazards<\/p><ul class=\"nx-list\"><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h2\" data-tc=\"NHS-1 atmo.cyclone.tropical-cyclone\" data-tk=\"Atmosphere and weather \u00b7 Cyclonic storm systems\" data-td=\"A warm-core rotating storm over tropical oceans whose winds, rain and surge threaten coasts and inland river basins.\" data-ts=\"NRS-H2\" data-tr=\"draft\">Tropical cyclone<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/hazards\/geophysical-hazard-standards\/\" data-tc=\"NHS-1 geo.seismic.earthquake\" data-tk=\"Solid Earth \u00b7 Fault shaking and rupture\" data-td=\"Sudden slip on a fault releasing seismic waves that shake the ground and damage structures and lifelines.\" data-ts=\"NRS-H17\" data-tr=\"draft\">Earthquake<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h9\" data-tc=\"NHS-1 water.flood.ice-jam-flood\" data-tk=\"Water systems \u00b7 Freshwater inundation\" data-td=\"River water backing up behind an ice blockage and flooding adjacent land, sometimes with ice and debris.\" data-ts=\"NRS-H9\" data-tr=\"draft\">Ice-jam flood<\/a><\/li><li><a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h11\" data-tc=\"NHS-1 water.coastal.storm-surge\" data-tk=\"Water systems \u00b7 Coastal and sea-level hazards\" data-td=\"Sea level pushed above the tide by storm wind and low pressure, flooding the coast.\" data-ts=\"NRS-H11\" data-tr=\"draft\">Storm surge<\/a> (set off downstream)<\/li><li>Intense rainfall (set off downstream)<\/li><li>River flood (set off downstream)<\/li><li>Flash flood (set off downstream)<\/li><li>Dangerous surf (set off downstream)<\/li><li>Widespread power outage (set off downstream)<\/li><li>Mass displacement (set off downstream)<\/li><li>Coastal flood (set off downstream)<\/li><li>Aftershock sequence (set off downstream)<\/li><li>Fault surface rupture (set off downstream)<\/li><li>Soil liquefaction (set off downstream)<\/li><li>Slope slide (set off downstream)<\/li><li>Rockfall (set off downstream)<\/li><li>Tsunami (set off downstream)<\/li><li>Building collapse (set off downstream)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Systems and couplings<\/p><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/disaster-and-climate-risk-finance\/\">Disaster and climate risk finance<\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/early-warning\/early-warning-and-anticipatory-action\/\">Early warning and anticipatory action<\/a> <span class=\"nx-ns-sub\">Mechanism<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/disaster-risk-reduction\/\">Disaster risk reduction<\/a> <span class=\"nx-ns-sub\">Feedback<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/financial-stability-and-prudential-risk\/\">Financial stability and prudential risk<\/a> <span class=\"nx-ns-sub\">Cascade<\/span><\/li><li><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/hazards\/hydrometeorological-hazard-standards\/\">Hydrometeorological hazard standards<\/a> <span class=\"nx-ns-sub\">Mechanism<\/span><\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Controls<\/p><ul class=\"nx-list\"><li><code>NS-0<\/code> Constitution and principles<\/li><li><code>NS-3<\/code> Risk record UNIs (grammar, legacy crosswalk, allocation authority)<\/li><li><code>NS-9<\/code> Contextual UNIs (deployments, instances, programme instances)<\/li><li><code>NS-10<\/code> Policies and clauses (machine-readable obligations: definition, binding, evaluation and enforcement)<\/li><li><code>NS-11<\/code> Verification and monitoring (evidence, attestations, zero-trust conformance observation)<\/li><li><code>NS-14<\/code> Conformance and crosswalk to external standards<\/li><li><code>NRS-F8<\/code> Parametric and index-based risk transfer<\/li><li><code>NRS-F7<\/code> Disaster risk finance and pre-arranged finance<\/li><li><code>NRS-H113<\/code> Hazard family: Financial-system fragility (NHS-1 soc.financial-system)<\/li><li><code>NRS-H114<\/code> Hazard family: Macroeconomic and fiscal shocks (NHS-1 soc.macro-fiscal)<\/li><li><code>NRS-D1<\/code> Risk-informed development and project screening<\/li><li><code>NRS-H28<\/code> Hazard family: Climate-state shifts (NHS-1 eco.climate-state)<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Observation<\/p><ul class=\"nx-list\"><li>ERA5 reanalysis (Copernicus Climate Data Store) (listed for reference)<\/li><li>CHIRPS quasi-global gridded precipitation (listed for reference)<\/li><li>USGS earthquake GeoJSON summary feeds (listed for reference)<\/li><li>Total public international support for national disaster risk reduction actions (Sendai indicator F-1)<\/li><li>Direct economic loss attributed to disasters in relation to global GDP<\/li><\/ul><\/div><div><p class=\"nx-eyebrow\">Example geography<\/p><ul class=\"nx-list\"><li>Western Europe: 152 hexagonal cells<\/li><li>Rain rate, last half hour (IMERG), NASA GIBS<\/li><li>Night lights tonight, outages (VIIRS Day\/Night Band), NASA GIBS<\/li><li>Surface water through cloud, 30 m (OPERA DSWx-S1 radar), NASA GIBS<\/li><li>Surface soil moisture (SMAP), NASA GIBS<\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">World Bank Global Findex Database<\/td><td data-label=\"What it gives\">Account ownership, saving, borrowing and resilience by population group<\/td><td data-label=\"Licence class\">CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">World Bank Poverty and Inequality Platform<\/td><td data-label=\"What it gives\">Poverty and inequality estimates from household surveys<\/td><td data-label=\"Licence class\">CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">IMF Financial Access Survey<\/td><td data-label=\"What it gives\">Supply-side data on access to and use of financial services<\/td><td data-label=\"Licence class\">Free, IMF copyright and usage terms<\/td><\/tr><tr><td data-label=\"Source\">Commitment to Equity Institute Data Center<\/td><td data-label=\"What it gives\">Fiscal incidence studies of taxes, transfers and services<\/td><td data-label=\"Licence class\">Free, registration and attribution<\/td><\/tr><tr><td data-label=\"Source\">World Inequality Database<\/td><td data-label=\"What it gives\">Income and wealth distribution series combining surveys, tax and national accounts<\/td><td data-label=\"Licence class\">Free, attribution<\/td><\/tr><tr><td data-label=\"Source\">World Bank Remittance Prices Worldwide<\/td><td data-label=\"What it gives\">Cost of sending remittances by corridor<\/td><td data-label=\"Licence class\">CC BY 4.0<\/td><\/tr><tr><td data-label=\"Source\">UNCTAD A World of Debt<\/td><td data-label=\"What it gives\">Public debt and interest burdens set against social spending<\/td><td data-label=\"Licence class\">Free, UN terms of use<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/grf\/R05\/topics\/finance-and-inequality\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Instruments and commitments<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">How finance and inequality is governed: instruments, mandates and commitments.<\/h2><p class=\"nx-lede\">The instruments, mandates, actors and accountability arrangements a policymaker, diplomat or development agency works with, citing the agreements that set them. Structures follow the frameworks named. Any state or progress drawn is illustrative, not a record.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"governance\" data-au-n=\"1\"><figure class=\"nx-au-c\" data-au-fig=\"sdg-outcomes\"><h3 class=\"nx-h4\">Development outcomes<\/h3><p class=\"nx-p nx-au-what\">The Sustainable Development Goals and targets that outcomes on finance and inequality are reported against.<\/p><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Goal<\/th><th scope=\"col\">Target<\/th><th scope=\"col\">How this subject links<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Goal\">Goal 1, no poverty<\/td><td data-label=\"Target\">Target 1.5, resilience of the poor and vulnerable<\/td><td data-label=\"How this subject links\">Outcomes reported through the agreed indicator of the target<\/td><\/tr><tr><td data-label=\"Goal\">Goal 17, partnerships for the goals<\/td><td data-label=\"Target\">Target 17.4, long-term debt sustainability<\/td><td data-label=\"How this subject links\">Outcomes reported through the agreed indicator of the target<\/td><\/tr><tr><td data-label=\"Goal\">Goal 10, reduced inequalities<\/td><td data-label=\"Target\">Target 10.5, regulation and monitoring of financial markets<\/td><td data-label=\"How this subject links\">Outcomes reported through the agreed indicator of the target<\/td><\/tr><tr><td data-label=\"Goal\">Goal 16, peace, justice and strong institutions<\/td><td data-label=\"Target\">Target 16.6, effective, accountable and transparent institutions<\/td><td data-label=\"How this subject links\">Outcomes reported through the agreed indicator of the target<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Goals and targets of the 2030 Agenda, chosen from the page&#8217;s fields; indicators are reported by countries, not by the Forum.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">Sendai Framework for Disaster Risk Reduction \u00b7 UNDRR<\/span><span class=\"nx-chip\">Paris Agreement \u00b7 UNFCCC<\/span><span class=\"nx-chip\">2030 Agenda and the Sustainable Development Goals \u00b7 United Nations<\/span><span class=\"nx-chip\">International Health Regulations \u00b7 WHO<\/span><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"finance\" aria-label=\"Decisions, Core questions, Mechanisms, Methods and limits\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Decisions, Core questions, Mechanisms, Methods and limits\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-decisions\" aria-selected=\"true\" data-key=\"p1\">Decisions<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-core-questions\" aria-selected=\"false\" data-key=\"p2\">Core questions<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-mechanisms\" aria-selected=\"false\" data-key=\"p3\">Mechanisms<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-sec-methods-and-limits\" aria-selected=\"false\" data-key=\"p4\">Methods and limits<\/button><\/div><section id=\"nx-sec-decisions\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Capital Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Finance ministries<\/td><td data-label=\"The question\">How fiscal adjustment, tax reform and debt service affect different income groups<\/td><td data-label=\"Evidence this page serves\">Fiscal incidence studies, interest burdens and social spending by function<\/td><\/tr><tr><td data-label=\"Who decides\">Central banks and financial regulators<\/td><td data-label=\"The question\">How to widen access and protect consumers without raising stability risks<\/td><td data-label=\"Evidence this page serves\">Access and usage data by group; supervisory and complaint records<\/td><\/tr><tr><td data-label=\"Who decides\">Parliaments<\/td><td data-label=\"The question\">Whether budgets protect essential services when debt service rises<\/td><td data-label=\"Evidence this page serves\">Interest relative to revenue, social spending trends and incidence evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Multilateral boards<\/td><td data-label=\"The question\">Whether programme design includes social spending floors and distributional analysis<\/td><td data-label=\"Evidence this page serves\">Programme documents, social spending floors and post-programme reviews<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Distributional briefs on debt service and social spending, with sources labelled<\/li><li>Dialogue papers on financial inclusion policy and consumer protection<\/li><li>Notes on fiscal incidence methods and their assumptions<\/li><li>Question sets for distributional review of adjustment programmes<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">What experts ask.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Who has access to finance?<\/h3><p class=\"nx-p nx-mt-1\">How access to credit, savings, payments and insurance varies by income, gender, location and enterprise size.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Who bears risk?<\/h3><p class=\"nx-p nx-mt-1\">How losses from shocks are distributed between households, firms, financial institutions and the state.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">How do crises affect inequality?<\/h3><p class=\"nx-p nx-mt-1\">How recessions, disasters and financial crises change the distribution of wealth and income.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">What do policies do?<\/h3><p class=\"nx-p nx-mt-1\">Distributional effects of monetary, fiscal and financial regulation.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What drives the issue.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Households and small firms with little savings and no insurance absorb shocks by selling assets, cutting consumption or borrowing at high cost, which can trap them in poverty. Access to appropriate financial services helps them manage risk.<\/p><p class=\"nx-p\">Credit allocation follows collateral and information. Those without formal titles, credit histories or stable incomes are excluded or pay more, including many women, informal workers and rural households.<\/p><p class=\"nx-p\">Asset price movements redistribute wealth. Policies that raise asset prices benefit those who own assets; inflation and unemployment fall hardest on those without buffers.<\/p><p class=\"nx-p\">Climate and disaster losses are regressive in effect, because poorer households have less protection and recover more slowly. Financial instruments can reduce or deepen this, depending on design.<\/p><p class=\"nx-p\">Digital finance changes access and risk at once. Mobile money and digital credit have widened access in many places, while raising new questions about data use, over-indebtedness and consumer protection.<\/p><p class=\"nx-p\">Why now: the people and places most exposed to shocks often face the highest cost of capital and the least insurance. Capital Nexus convenes dialogue on how public finance decisions distribute risk, with affected constituencies taking part and dissent recorded.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-11\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">How evidence is gathered, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Method or data<\/th><th scope=\"col\">What it shows<\/th><th scope=\"col\">Its limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Method or data\">Household surveys<\/td><td data-label=\"What it shows\">Access, use and financial health<\/td><td data-label=\"Its limit\">Infrequent and costly<\/td><\/tr><tr><td data-label=\"Method or data\">Distributional analysis<\/td><td data-label=\"What it shows\">Effects of policies on groups<\/td><td data-label=\"Its limit\">Model assumptions matter<\/td><\/tr><tr><td data-label=\"Method or data\">Post-shock studies<\/td><td data-label=\"What it shows\">Recovery paths by group<\/td><td data-label=\"Its limit\">Hard to follow households over time<\/td><\/tr><tr><td data-label=\"Method or data\">Administrative data<\/td><td data-label=\"What it shows\">Credit and insurance coverage<\/td><td data-label=\"Its limit\">Privacy limits access<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"finance\" aria-label=\"Methods, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Methods, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-methods\" aria-selected=\"true\" data-key=\"p1\">Methods<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-s-13-sec\" aria-selected=\"false\" data-key=\"p2\">Questions<\/button><\/div><section id=\"nx-sec-methods\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-12\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskforum.com\/capital\/stem\/economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Economics and development economics<\/span><span class=\"nx-mledger-role\">Appraisal of public investment \u00b7 Fiscal incidence of policy choices \u00b7 Indirect costs of shocks<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/economics\/\" aria-label=\"Canonical \u00b7 STEM Commons: Economics and development economics\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskforum.com\/capital\/stem\/policy-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Policy, institutional and decision science<\/span><span class=\"nx-mledger-role\">Mandate and decision-rights mapping \u00b7 Institutional assessment synthesis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/policy-science\/\" aria-label=\"Canonical \u00b7 STEM Commons: Policy, institutional and decision science\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskforum.com\/capital\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Debt sustainability under stress \u00b7 The sovereign and bank feedback loop<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Canonical \u00b7 STEM Commons: Financial economics and macro-finance\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Household surveys miss the top of the distribution and the most marginal; tax data cover only those who file. Incidence studies rest on assumptions about who bears a tax and how services are valued. Access indicators show ownership, not quality or affordability. Capital Nexus does not advise households or firms on financial products; it sets out evidence for the public institutions that shape access and distribution.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-13-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-13\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Why do survey and tax-based inequality estimates differ?<\/summary><div class=\"nx-answer\">Surveys under-report top incomes and wealth; tax records miss those who do not file. Combined series reconcile them with national accounts, under assumptions that are stated with the data.<\/div><\/details><details><summary>Is financial inclusion always beneficial?<\/summary><div class=\"nx-answer\">Access to safe accounts and payments generally helps. Credit without consumer protection can lead to over-indebtedness, so inclusion policy pairs access with regulation and redress.<\/div><\/details><details><summary>What is fiscal incidence analysis?<\/summary><div class=\"nx-answer\">A method that allocates taxes paid and benefits received to households to show how public finance changes the distribution of income. Results depend on assumptions that are published with each study.<\/div><\/details><details><summary>Does Capital Nexus advocate particular redistribution policies?<\/summary><div class=\"nx-answer\">No. It convenes dialogue on evidence and options. Policy choices belong to governments and legislatures.<\/div><\/details><details><summary>Why include inequality in a capital platform?<\/summary><div class=\"nx-answer\">Because the distribution of access and losses shapes resilience, trust and the legitimacy of capital allocation.<\/div><\/details><details><summary>Is microfinance the answer to exclusion?<\/summary><div class=\"nx-answer\">Evidence suggests it helps some households manage risk but is no general solution. Design and context decide outcomes.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a> is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Forum<\/span><span class=\"nx-chip\">Capital Nexus<\/span><span class=\"nx-chip\">Finance and Insurance Readiness<\/span><span class=\"nx-chip\">Evidence Brief<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskforum.com\/capital\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRF<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskforum.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskforum.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Forum<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/grf\/capital\/topics\/finance-and-inequality#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-kforum-com-capital-topics-finance-and-inequality-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-kforum-com-capital-topics-finance-and-inequality-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-kforum-com-capital-topics-finance-and-inequality-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/governance-in-operation\/decision-rights#the-nexus-standards-decision-rights\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Decision rights<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/development-finance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Development finance<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-14\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Capital Nexus<\/span><h2 id=\"nx-close-14\" class=\"nx-section-title\">Bring a governance question to the Forum.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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