Designing Savings and Loan Products
In “Portfolios of the Poor – How the World’s Poor Live on $2 a Day”, Collins et al. note that poor people face what they call the “triple whammy”: not only are their incomes low, but they are also unpredictable.
The Single Biggest Challenge for Microfinance
The paper highlights the importance of training and capacity building and how it still remains the single biggest challenge in the microfinance sector. The paper stresses that in line with private sector business, MFIs need to start seeing training as an investment rather than expense.
Bullock-cart Workers’ Development Association & BWDA Finance Limited: Leveraging Partnerships for Growth
Bullock-cart Workers’ Development Association (BWDA) started its operations in Tamil Nadu in 1985, with a focus on bullock-cart workers. It started promoting the creation of Self-Help Groups (SHG) in 1988. In 1999, BWDA decided to launch its own credit activities to meet the demand which was not met by available funds from the SHG members and banks.
Savings: the Forgotten Half of Financial Interventions?
Though the microfinance sector has seen rapid growth in the past couple of decades, most of the financial interventions have been credit-led. Savings remains neglected and is probably talked about only when policy or regulatory issues are discussed.
Understanding Saving Behaviour of North East India
The paper analyses the savings pattern in North-East India to understand their specific needs and design products and services that suit their needs. A qualitative research was conducted in the four states of North Eastern region (NER) of Assam, Meghalaya, Manipur and Tripura.
Serving Depositors: Optimising Branch Based Banking
A key challenge for financial institutions serving the low-income market is how to optimise branch networks to serve high volumes of customers - to provide high quality financial services at a low unit cost.
Process Mapping in Practice
This paper summarises the experience that MicroSave has gained in process mapping through working with its Action Research Partners. It highlights key benefits, which can be achieved through process mapping. It presents brief case studies detailing the experience of Tanzania Postal Bank and Equity Bank in Kenya.
State of the Sector Report 2006 [India]
This is the first in the series on the state of affairs of the microfinance industry in India. The first chapter provides a summary of the state of the industry and recommendations for going forward. The following three chapters provide information on the SHG model of microfinance, the MFI model of microfinance, and microfinance in the State of Andhra Pradesh, respectively.
Inverting the Pyramid: the Changing Face of Microfinance in India
This report’s purpose is to describe the evolution of microfinance in India and analyze the progress of the sector. This report focuses especially on the growth and emergence of MFIs that are outgrowing the typical SHG bank-linkage model.
Emerging Scenarios for Microfinance Regulation in India
This paper is intended for those who have a role in shaping the legal framework for microfinance in India and for an international audience that would like to stay informed on this topic. This document covers the progress of regulation from 2003 through 2006, based on approximately 40 interviews with experts.
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