| Summary: | In Savings Services for the Poor, Madeline Hirschland provides practical guidance for managing sounds savings operations for small and rural depositors. Drawing on the experience of leaders in the field from across the globe, this book addresses two types of institutions: Microfinance institutions that want to develop savings operations and mainstream banks that seek to go down market. Forty case studies illustrate the key technical and management issues faced by banks, cooperatives, Microfinance institutions, and self-help group programs. Realistic tools are also provided for managers to assess an institution's capacity to mobilize deposits, analyze the market for savings, develop financial projections and cost savings products, manage liquidity and interest rate risk, review its internal controls, and develop an incentive scheme for staff dealing with savings mobilization. While the authors seek to reach managers, board members, and technical assistance providers of Microfinance institutions working on their savings operations, this book will be of great interest to anyone concerned with financial services for poor and rural markets.
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