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Solutions for the Poorest: Insights on Savings Behavior of Clients

Insights on Savings Behavior of ClientsPrevailing wisdom holds that the ultra-poor are too poor to save money. This study examines the savings behavior of ultra-poor women served by the Livelihood Pathways for the Poorest project, which is jointly implemented by Grameen Foundation and the Livelihood School (part of BASIX group of companies), in Gaya District, Bihar, India. The project is developing a model that could help the ultra-poor escape poverty through the provision of integrated financial, livelihood and risk management services. 

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Best Practices in Mobile Microfinance

Best Practices in Mobile Microfinance

In this study, Grameen Foundation reviews microfinance institutions' (MFIs) experiences with mobile financial services and assesses the challenges and opportunities faced during implementation. We aim to provide practical information and research-based guidelines on how MFIs can leverage existing best practices and increase their chances of successfully implementing mobile financial services.

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Women, Mobile Phones and Savings

The mobile phone is gaining widespread popularity as a means to bridge the “last mile” – to bring information and financial services to people without ready access to them. To get a better picture of how to best deliver mobile services, we conducted a case study with our partner, Cashpor Microcredit, based in Varanasi, India.

Though enthusiasm for the mobile phone as a way to deliver these services is justified, there is evidence that poor women have limited access to and lack literacy with mobile devices, creating a gap in their access to financial and other services delivered this way.

This study investigates some of these concerns, specifically whether women have limited access to savings services delivered via the mobile phone.

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Savings Volatility Analysis: Card Bank
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This case study presents work done with CARD Bank in the Philippines as part of a larger savings mobilization project with Grameen Foundation to introduce a new type of savings product and expand CARD’s market share to poor savings clients. We hope that this paper will demonstrate that implementing a savings volatility analysis is relatively simple, and that the results can be very useful for liquidity management, product development and costing. All deposit-taking MFIs should do a similar analysis to have a better understanding of their savings customers and products.

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Information as Power: Implementing Data Analytics at CARD Bank

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This case study illustrates the use of data analytics - including the use of the Progress out of Poverty Index® - to strengthen CARD Bank's savings strategy. It outlines the business questions that were asked and the client insights they gleaned, as well as how this information is being used to change produce design and delivery.

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(Also available in Spanish or French)

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