000			01786nam a22002537a 4500
003			ZW-GwMSU
005			20240924131451.0
008			240924b |||||||| |||| 00| 0 eng d
022			_a17551978
040			_aMSU _bEnglish _cMSU _erda
050	1		_aHG178.3 ENT
100	1		_aSteel, William _eauthor
245	1	0	_aGoing downmarket: _bGhana's rural banks adapt informal savings methodology _ccreated by William Steel | B. Bubune Tornyie
264	1		_aUnited Kingdom: _bPractical Action Publishing _c2010
336			_2rdacontent _atext _btxt
337			_2rdamedia _aunmediated _bn
338			_2rdacarrier _avolume _bnc
440			_aEnterprise Development and Microfinance _vVolume 21, number 2
520	3		_aA 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			_aGoing downmarket _vGhana's rural banks _xInformal savings methodology _zGhana
700	1		_aTornyie, B. Bubune _eco-author
856			_u10.3362/1755-1986.2010.013
942			_2lcc _cJA
999			_c167286 _d167286