Microfinance Gateway>Who are the Clients of Savings Banks? A Poverty Assessment of the Clients Reached By Savings Banks in India, Mexico, Tanzania and Thailand (Brief)

affiliate language sites: Français عربي Español

Home

Library

Jobs

Training and Events

Organizations

Consultants

Library » Who are the Clients of Savings Banks? A Poverty Assessment of the Clients Reached By Savings Banks in India, Mexico, Tanzania and Thailand (Brief)

Who are the Clients of Savings Banks? A Poverty Assessment of the Clients Reached By Savings Banks in India, Mexico, Tanzania and Thailand (Brief)
Jan 2008, World Savings Bank Institute (WSBI)

Measuring outreach by saving banks

This study examines how effectively savings banks reach clients at different poverty levels, and how different clients use financial products.

The study looks at four savings banks from India, Mexico, Tanzania and Thailand. Client surveys include a broad set of questions about each household situation based on CGAP’s Poverty Assessment Tool (PAT). The four savings banks are large providers of financial services in their countries, with significant outreach among the poorest households Study findings include:

Poorest clients in all institutions tend to use their savings accounts actively;
Savings product use is more evenly spread across the socio-economic spectrum than is credit product use in Tanzania and Thailand;
Distribution mechanisms affect the extent of outreach. Savings banks in India and Tanzania that rely on indirect distribution channels serve a greater percentage of better-off households;
Direct ownership of distribution networks appears to be a critical factor in reaching poorer clients.

Savings banks are large providers of financial services in all socio-economic segments, and hold great potential for delivering accessible financial services. Direct controls of customer interface and staff incentives are necessary to actively reach the poorest segments of society.

To access the full report please, click here.

Add Review


*First Name:		*Last Name:
Organization:
*Email:
*Country:
(rollover stars to select rating)
Review Title:

Review Text:
I do not want my name, email, or organization to appear with my review. (Country will always appear with posted reviews.)

By clicking "Submit" you confirm that you have read and consent to our Privacy Policy and Terms and Conditions.

Download this Document

Publisher(s):
World Savings Banks Institute