TAILIEUCHUNG - DEMAND AND CHALLENGES OF ACCESSING SAVING PRODUCTS IN TAJIKISTAN MICROFINANCE INSTITUTIONS

Discriminatory policies and initiatives have contributed to growing inequalities between the rural and urban sector, and to the inability of the former to meet the needs and interests of rural women and men. In almost all developing countries, conditions of rural poor people are far worse than those of the urban poor in terms of consumption levels and access to education, health care, water, sanitation, housing, transport and communications. Mortality rates among children below five are much higher in rural areas. For example, in Bolivia, mortality rates are times higher among children in the countryside than among those who live in cities. The children most likely to drop out of school or to. | ULB SolvayBrusselsSchool of Economics and Management DEMAND AND CHALLENGES OF ACCESSING SAVING PRODUCTS IN TAJIKISTAN MICROFINANCE INSTITUTIONS BY JACQUELINE STENGA SUPERVISOR DR. MAREK HUDON A Master Thesis Submitted in Partial Fulfillment of the Requirements For the European Master in Microfinance - European Microfinance Program Solvay Brussels School of Economics and Management Universite Libre de Bruxelles- Belgium September 2010 ABSTRACT The main objective of the case study was to describe how savings products are offered by MFIs in Tajikistan. The study specifically addresses the following issues first types of savings products offered by MFIs in Tajikistan. Second what factors which supports or constraints poor households or micro and small entrepreneurs to access enjoy savings services from MFIs in Tajikistan. Third the study tried to identify challenges facing MFIs when offering savings products. This study involved the use of three research instruments during collection of data that is questionnaires interviews and focus group discussions. Respondents were drawn from the clientele base of various MFIs in Tajikistan and representative of five MFIs. Questionnaires were employed to collect data from eighty 80 respondents and Focus Group Discussions involved sixty four 64 respondents whilst interviews was conducted only to five representative of MFIs in Tajikistan. Questionnaires and FGDs supplemented each other by providing data from demand side customers while interviews to representatives of MFIs provide data from supply side service providers . Findings reveal that common types of savings products in Tajikistan are term deposits classic deposits and special deposits children deposits . These products are offered in local currency as well as in foreign currency. Study observed that there is tendency of keeping their deposits in foreign currency in Tajikistan. Findings also affirmed that demand for voluntary savings among the poor households is there in .

• Ngân hàng - Tín dụng
• Involvement
• Prostaglandins
• Pathophysiology of Endometriosis
• Genetic Polymorphisms
• Molecular Pathogenesis
• Pathogenesis of Endometriosis
• The effect of transformational leadership
• Organizational communication and job involvement toward withdrawal behavior
• Job involvement toward withdrawal behavior
• Testing the hypotheses
• Transformational leadership toward job
• Report medicine
• traditional medicine
• scientific reports
• Oxidative functions of polymorphonuclear neutrophils (PMNs)
• which play a deciding role in the phagocytosis process
• are stimulated by extracellular matrix proteins such as type I collagen
• Previous studies have demonstrated the involvement of a DGGRYY sequence located within the a1 chain C terminal telopeptide in type I collagen induced PMN activation
• but so far the mechanism has not been completely elucidated
• involvement represents
• enlarging lymph
• lymphadenopathy
• affected followed
• Multifocal involvement
• inguinal lymph
• armed
• violence
• programming
• youth
• fragility
• reducing
• conflict
• Vinamilk’s Supply Chain
• Small Farmers’ Involvement
• Dairy industry
• Small farmers
• Supply chain
• Cause related marketing
• Cause involvement
• Message framing
• Social cause
• Consumer involvement
• BMC Pediatrics
• Psychological distress
• Fathers’ involvement in childcare
• Negative psychosocial outcomes
• Parental psychological distress
• Chickpea (Cicer aeritinum L )
• Total nitrogen content in chickpea
• Possible involvement
• Exogenous gibberellic acid
• Nitrogen assimilating enzyme activity