TAILIEUCHUNG - COMPARATIVE ANALYSIS OF SAVINGS MOBILIZATION STRATEGIES

BB Agents cannot be involved in marketing, sales of any other products of the bank (including but not limited to consumer banking products, liability products etc). One Agent can provide services to multiple banks provided he (the agent) has a separate service level agreement with each bank. Alternately, banks may organize their agent network using open architecture so that they may entertain other banks’ customers using infrastructure provided by one bank. Agents may not alter/change charges/fees structure provided by the bank in any way. All charges have to be pre-agreed between the bank and the. | CGAP Consultative Group to Assist the Poorest CGAP Working Group on Savings Mobilization COMPARATIVE ANALYSIS OF SAVINGS MOBILIZATION STRATEGIES Laura Elser Alfred Hannig Sylvia Wisniwski Eschborn 1999 Bundesministerium fur wirtschaftliche Zusammenarbeit und Entwicklung Ễ BMZ CGAP Working Group on Savings Mobilization CONTENTS ABBREVIATIONS iii LIST OF TABLES iii 1 INTRODUCTION 1 The problem 1 Working hypotheses and analytical framework 2 2 INSTITUTIONAL PROFILES OF CASE STUDIES 4 3 COMPARATIVE ANALYSIS OF CASE STUDIES 8 Institutional type governance and organizational structure 8 Savings products technologies and marketing strategies 9 Management capabilities 10 External and internal regulation and supervision 12 Costs of mobilizing and administering savings 13 4 INFORMATION GAPS 15 5 CONCLUSIONS 16 6 REFERENCES 18 Comparative Analysis of Savings Mobilization Strategies ii CGAP Working Group on Savings Mobilization ABBREVIATIONS ATM Automatic Teller Machine BAAC Bank for Agriculture and Agricultural Cooperatives BCS Banco Caja Social BMZ Bundesministerium fur wirtschaftliche Zusammenarbeit Federal German Ministry for Economic Cooperation and Development BRI Bank Rakyat Indonesia BRI-UD Bank Rakyat Indonesia - Unit Desa System in Indonesia CGAP Consultative Group to Assist the Poorest CVECA Caisses Villageoises d Epargne et de Credit Autogérées Self-reliant Village Savings and Credit Banks FECECAM Federation des Caisses d Epargne et de Credit Agricole Mutuel Benin GNP Gross National Product GTZ Gesellschaft fur Technische Zusammenarbeit GmbH German Technical Cooperation ILO International Labour Organization MFI Microfinance Institution MIS Management Information System NGO Non-governmental Organization PARMEC Projet d Appui Regional aux Mutuelles d Epargne et de Credit Regional Support Project for Mutual Savings and Loan Societies RBP Rural Bank of Panabo ROSCA Rotating Savings and Credit Association UNDP United Nations Development .

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