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CGAP produced this Draft Country-Level Savings Assessment (CLSA) Tool to help guide analysts and researchers who wish to undertake CLSAs and to guide governments and donors who wish to commission CLSAs. The tool provides a systematic methodology for analyzing opportunities and constraints to savings mobilization at the country level.
This draft tool is a work in progress. CGAP plans to field test this version through April 2008. Suggestions for improvements are most welcome. Please send comments or suggestions by email to Jasmina Glisovic-Mezieres (jglisovicmeziere@worldbank.org).
The Country Assessment Tool
The tool is designed to help analysts rapidly diagnose sector-wide issues at four levels - client, micro, meso, and macro. At the client demand level, it attempts to answer the question, "What are the savings patterns, preferences and behaviors of poor and low-income people?"
The other three levels build on demand-side analysis to determine whether the financial system is set up to meet that demand. Specifically, the tool addresses the micro level (retail deposit-taking institutions), the meso level (supporting infrastructure), and the macro level (policy environment). The draft Terms of Reference outlines the basic methodology, which entails:
- Performing preliminary desktop research and data analysis
- Conducting in-country interviews and focus groups over a two-week period, followed by an initial presentation of findings to stakeholders
- Providing a brief assessment report laying out opportunities and obstacles to improving the provision of deposit services for the poor, along with suggested areas of action for concerned actors
Comments or questions on the methodology or assessments? E-mail us at cgapsavings@worldbank.org.