Scaling Up Microsavings

MicroBanking Bulletin, No. 19, pp. 1-6, December 2009

6 Pages Posted: 30 Jan 2010 Last revised: 5 Apr 2017

See all articles by Christoph Kneiding

Christoph Kneiding

World Bank - Consultative Group to Assist the Poor (CGAP); German Institute for Economic Research (DIW Berlin)

Ignacio Mas

Tufts University

Adrian Gonzalez

World Bank Group

Sheila Miller

affiliation not provided to SSRN

Date Written: December 1, 2009

Abstract

Since the bulk of MFIs remain relatively small scale in terms of deposit mobilization, this prompts us to look into the growth strategies pursued by MFIs, large and small. Do the larger deposit-taking MFIs exhibit a more intensive utilization of their distribution network in terms of savers per branch (giving rise to what we term intensive growth), or do they simply have many more branches (which we term extensive or distribution-driven growth)? In this respect, we compare the behavior of MFIs against commercial banks, to see whether their growth dynamics are different. We also compare the relationship between intensity of use of branches and the total number of customers served by the institution between the savings and lending sides..

Keywords: Microfinance, Microsavings, Expansion Patterns, Intensive Growth, Extensive Growth

Suggested Citation

Kneiding, Christoph and Mas, Ignacio and Gonzalez, Adrian and Miller, Sheila, Scaling Up Microsavings (December 1, 2009). MicroBanking Bulletin, No. 19, pp. 1-6, December 2009, Available at SSRN: https://ssrn.com/abstract=1544570

Christoph Kneiding (Contact Author)

World Bank - Consultative Group to Assist the Poor (CGAP) ( email )

1818 H St NW
Washington, DC
United States

German Institute for Economic Research (DIW Berlin)

Mohrenstra├če 58
Berlin, 10117
Germany

Ignacio Mas

Tufts University ( email )

Medford, MA 02155
United States

Adrian Gonzalez

World Bank Group ( email )

2121 Pennsylvania Avenue, NW
Washington, DC 20433
United States

HOME PAGE: http://www.doingbusiness.org

Sheila Miller

affiliation not provided to SSRN ( email )

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