Comparative Analysis of Savings Mobilization Strategies

Publication Date: Mar 1999
Published by: Consultative Group to Assist the Poor (CGAP)
Document Type: Paper

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Analyzing the savings mobilization strategies of six institutions

This paper analyzes the savings mobilization strategies of six institutions from Africa, Asia and Latin America:

• Bank for Agriculture and Agricultural Cooperatives (BAAC) in Thailand,
• Bank Rakyat Indonesia - Unit Desa System (BRI-UD) in Indonesia,
• Rural Bank of Panabo (RBP) in the Philippines,
• Banco Caja Social (BCS) in Colombia,
• Caisses Villageoises d'Epargne et de Crédit Autogerées (CVECA) in Mali,
• Fédération des Caisses d'Epargne et de Crédit Agricole Mutuel (FECECAM) in Benin.

Through this paper, GTZ hopes to contribute to the important work of perfecting effective savings mobilization strategies that can be replicated in microfinance institutions across the globe.

This paper first outlines the problem and the respective working hypotheses. It then provides a brief overview of the institutional profiles of the selected financial institutions. In a next step, it summarizes the results of the comparative analysis in the areas of governance, savings products and technologies, management capacity, external and internal regulation and supervision, and costs.

Finally, it identifies remaining information gaps and presents the conclusions.

[Adapted from the author's abstract]