MARC details
| 000 -LEADER |
|---|
| fixed length control field |
01786nam a22002537a 4500 |
| 003 - CONTROL NUMBER IDENTIFIER |
|---|
| control field |
ZW-GwMSU |
| 005 - DATE AND TIME OF LATEST TRANSACTION |
|---|
| control field |
20240924131451.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
|---|
| fixed length control field |
240924b |||||||| |||| 00| 0 eng d |
| 022 ## - INTERNATIONAL STANDARD SERIAL NUMBER |
|---|
| International Standard Serial Number |
17551978 |
| 040 ## - CATALOGING SOURCE |
|---|
| Original cataloging agency |
MSU |
| Language of cataloging |
English |
| Transcribing agency |
MSU |
| Description conventions |
rda |
| 050 1# - LIBRARY OF CONGRESS CALL NUMBER |
|---|
| Classification number |
HG178.3 ENT |
| 100 1# - MAIN ENTRY--PERSONAL NAME |
|---|
| Personal name |
Steel, William |
| Relator term |
author |
| 245 10 - TITLE STATEMENT |
|---|
| Title |
Going downmarket: |
| Remainder of title |
Ghana's rural banks adapt informal savings methodology |
| Statement of responsibility, etc. |
created by William Steel | B. Bubune Tornyie |
| 264 1# - PRODUCTION, PUBLICATION, DISTRIBUTION, MANUFACTURE, AND COPYRIGHT NOTICE |
|---|
| Place of production, publication, distribution, manufacture |
United Kingdom: |
| Name of producer, publisher, distributor, manufacturer |
Practical Action Publishing |
| Date of production, publication, distribution, manufacture, or copyright notice |
2010 |
| 336 ## - CONTENT TYPE |
|---|
| Source |
rdacontent |
| Content type term |
text |
| Content type code |
txt |
| 337 ## - MEDIA TYPE |
|---|
| Source |
rdamedia |
| Media type term |
unmediated |
| Media type code |
n |
| 338 ## - CARRIER TYPE |
|---|
| Source |
rdacarrier |
| Carrier type term |
volume |
| Carrier type code |
nc |
| 440 ## - SERIES STATEMENT/ADDED ENTRY--TITLE |
|---|
| Title |
Enterprise Development and Microfinance |
| Volume/sequential designation |
Volume 21, number 2 |
| 520 3# - SUMMARY, ETC. |
|---|
| Summary, etc. |
A savings-and-credit scheme adapted by Ghana's rural banks from traditional informal methodologies is found to be effective in reaching unbanked clients and mobilizing additional domestic financial resources. Participation in the scheme transformed clients’ perception of the difficulties of saving and obtaining credit. Evidence indicated that accessing credit increased clients’ ability to purchase assets and support their household in education and health expenditures and decreased their tendency to spend on community social ceremonies. Nevertheless, the success of the scheme depends on methodologies used to mitigate risks of fraud and default: use of employees rather than autonomous agents; retention of savings of at least 50 per cent of loan amount; effective screening of loan applications, monitoring of both clients and mobile bankers; and good data systems. |
| 650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM |
|---|
| Topical term or geographic name entry element |
Going downmarket |
| Form subdivision |
Ghana's rural banks |
| General subdivision |
Informal savings methodology |
| Geographic subdivision |
Ghana |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
Tornyie, B. Bubune |
| Relator term |
co-author |
| 856 ## - ELECTRONIC LOCATION AND ACCESS |
|---|
| Uniform Resource Identifier |
10.3362/1755-1986.2010.013 |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) |
|---|
| Source of classification or shelving scheme |
Library of Congress Classification |
| Koha item type |
Journal Article |