TAILIEUCHUNG - Bringing the Hidden Giants to the Footlight: the Role of Savings and Retail Banks in Increasing the Level of Access to Financial Services

Over the period 2001-2005, Post Offices in Senegal and Tunisia experienced a continued growth of international money transfer flows both in the number of transactions and volume of transactions. The Post Office claims that its market share doubled over this period from 14/15% up to 30% in Senegal. The average amount per transaction was less than USD 250 in Senegal while it slightly declined from 1,200 USD in 2001 to about 560 USD in 2005 at the Tunisia Post. In the meantime, the number of transactions has grown four times demonstrating clearly that not only the Post Office in Tunisia. | Feature Articles MicroBanking Bulletin Issue 15 Autumn 2007 Bringing the Hidden Giants to the Footlight the Role of Savings and Retail Banks in Increasing the Level of Access to Financial Services Chris De Noose Chairman WSBI Management Committee Never has the issue of access to finance been higher on the agenda of international organisations and national government agencies. Never has there been such a flow of funding to microfinance organisations. And never has one witnessed such a string of initiatives in the access to finance field. At the same time practitioners donors and beneficiaries alike ignore an important player in the access to finance field savings banks including postal savings banks and socially committed retail banks. A large majority of savings banks have evolved from being deposit-taking institutions to full-service institutions that offer credits insurances and payments to the mass market. This article provides a short overview of the role of savings and retail bank members of the WSBI World Savings Banks Institute 1 in the field of access to finance and as advocates for enhanced cooperation with MFI institutions to add value to existing infrastructure. Data and evidence on the role of savings and retail banks in access to finance WSBI has conducted research into the role of savings banks in providing access to finance2. The level of access was assessed by measuring the number of accessible accounts3. This research led to the conclusion that billion accessible accounts are provided by double bottom line financial institutions and that savings banks provide three quarters of these accessible accounts4. 1 2 WSBI 2006 Access to Finance What does it mean and how do savings banks foster access by Stephen Peachey and Alan Roe WSBI Perspectives 49 and Savings banks and the double bottom-line - A profitable and accessible model of finance by Stephen Peachey WSBI Perspectives 52 3 Accessible accounts are defined as accounts provided by .

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