Savings services for the poor: an operational guide
"Contains practical guidance for managing sounds savings operations for small and rural depositors. The book addresses two types of institutions: microfinance institutions and mainstream banks"--Provided by publisher.
Saved in:
| Format: | Book |
|---|---|
| Language: | English |
| Published: |
Bloomfield, CT
Kumarian Press [u.a.]
2005
|
| Edition: | 1. printing |
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Summary: | "Contains practical guidance for managing sounds savings operations for small and rural depositors. The book addresses two types of institutions: microfinance institutions and mainstream banks"--Provided by publisher. |
| Physical Description: | XIX, 378 S. graph. Darst. |
| ISBN: | 1565492099 |
Staff View
MARC
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| 250 | |a 1. printing | ||
| 264 | 1 | |a Bloomfield, CT |b Kumarian Press [u.a.] |c 2005 | |
| 300 | |a XIX, 378 S. |b graph. Darst. | ||
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| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 520 | 3 | |a "Contains practical guidance for managing sounds savings operations for small and rural depositors. The book addresses two types of institutions: microfinance institutions and mainstream banks"--Provided by publisher. | |
| 650 | 4 | |a Banques | |
| 650 | 4 | |a Banques - Gestion | |
| 650 | 4 | |a Caisses d'épargne | |
| 650 | 4 | |a Comptes d'épargne | |
| 650 | 4 | |a Microcrédit | |
| 650 | 4 | |a Pauvres | |
| 650 | 4 | |a Épargne | |
| 650 | 4 | |a Bank | |
| 650 | 4 | |a Savings accounts | |
| 650 | 4 | |a Saving and investment | |
| 650 | 4 | |a Savings banks | |
| 650 | 4 | |a Banks and banking | |
| 650 | 4 | |a Bank management | |
| 650 | 4 | |a Microfinance | |
| 650 | 4 | |a Poor | |
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Record in the Search Index
| _version_ | 1804135148104450048 |
|---|---|
| adam_text | Contents
Illustrations ix
Foreword xiii
Acknowledgments xv
Abbreviations xix
Introduction 1
Parti
Overview
1 Why Do the Poor Need Savings Services? 15
What They Get and What They Might Like
Stuart Rutherford
2 Prerequisites for Intermediating Savings 27
Katharine McKee
3 The Keys to Cost Recovery 43
David C. Richardson and Madeline Hirschland
4 Developing or Strengthening Savings Operations 63
What s Involved
Mohammed Azim Hossain, Gerry Lab oyan,
Kathryn Larcombe, and Khem Raj Sapkota
5 Managing to Go Down Market 93
Regulated Financial Institutions and the Move into Microsavings
Robert Peck Christen, N. Srinivasan, and Rodger Voorhies
vii
Part II
Services
6 Developing Products Based on Market Research 117
Graham A. N. Wright
7 Savings Products 137
Madeline Hirschland
8 Beyond Full service Branches I59
Other Delivery Options
Madeline Hirschland
9 Pricing 193
Madeline Hirschland and John Owens
10 Promotion 211
The Final Step in Marketing
Hayder Al Bagdadi and David Cracknell
Part III
Systems
11 Maintaining the Security of Client Funds 239
Monnie Markel Biety
12 Liquidity Management 275
Monnie Markel Biety
13 Managing Interest rate Risk 301
Asset Liability Management
Monnie Markel Biety
14 Product Costing 321
Lorna Grace and Brigit Helms
15 Financial Incentive Schemes for Staff Engaged 349
in Savings Mobilization
Martin Holtmann and Mattias Grammling
Contributors 371
Index 377
Illustrations
Figure Intro 1. Financial Services and the Poverty Spectrum 4
Figure 1 1. (Untitled) 17
Figure 2—1. Preconditions for Intermediating Savings 29
Box 2 1. Summary Checklist of Prerequisites for Intermediating
Deposits 39
Box 2~2. Mobilizing Deposits: Risky Business for a Microfinance
Institution 40
Table 3—1. Number and Size of Accounts of Eighty five
WOCCU affiliated Credit Unions 44
Table 3 2. Approximate Administrative Costs of Saving Services 46
Box 3 1. Attracting Large as Well as Small Deposits: Risks, Reasons,
and Requirements 48
Box 3 2. Achieving Volume: Lessons from the BRI Unit System 50
Table 3 3. Cost of Establishing Small, Self Managed Organizations 59
Box 4—1. Strengthening Operations in a Small Institution: Moderna
Credit Union 65
Box 4 2. Adding Savings to Credit: Tchuma, Mozambique 67
Box 4 3. Expanding Services to the Public: VYCCU Savings and
Credit Cooperative Ltd. 68
Box 4—4. Starting up with Savings: Cooperative Bank ofBenguet,
the Philippines 70
Box 4 5. From Mandatory to Commercial Voluntary Savings: Banco
Caja Social, Colombia 74
Box 4 6. Strengthening Savings in a State Bank: Product and
Promotion at BAAC, Thailand 76
Box 4 7. Strengthening Savings at Postal Savings Banks: Tanzania
Postal Bank 79
Box 4 8. Shifting from Compulsory to Voluntary Services
for Borrowers: ASA 81
Table 4 1. Savings Projection Worksheet Explanation of Variables 85
Table 4 2. Savings Projection Worksheet 88
Box 5 1. The Challenges of Going Down Market: OIBM, Malawi 96
ix
x Illustrations
Box 5 2. Mobile Collection: Atwima Kwanworna Rural Bank 98
Box 5 3. Commercial Downscaling: Hatton National Bank 103
Box 5 4. Reaching Down and Scaling Up through Technology:
SB, South Africa 105
Box 5 5. Going National, Reaching Seven Million Rural Poor:
NABARD, India 107
Box 5 6. Extending Credit Union Services to Poor Rural Women 111
Box6 l.ASA s Discovery 118
Box 6 2. Diversified and Informal: Prudence 119
Figure 6 1.Market Research within the Development Process 120
Table 6 1. Options for Market Research 122
Table 6 2. Strategies for Conducting Market Research: In house
or Contracted Out 124
Table 6 3. From Concept to Prototype: The Smart Student s
Savings Scheme 127
Table 6 4. Time Required for Development of Market driven Products 129
Table 6 5. Competition Market Matrix Worksheet 130
Table 6 6. Concept Design Matrix Worksheet 132
Table 7 1. Proportions of Demand and Time deposits in Some
Mixed Outreach Institutions 139
Table 7 2. Voluntary Product Types from the Client s andMFI s
Perspectives 141
Box 7 1. The Demand for Pension Savings: Grameen Bank s
Pension Product 143
Table 7 3. Comparison of Contractual and Compulsory Savings 145
Table 7 4. Savings Product Mix in Eight MFIs 148
Box 7 2. Frequency, Variability, Reliability: The SafeSave Experience 151
Box 8 1. Convenience Matters 159
Box 8 2. Autonomous Cooperatives: A Model for Remote Areas
in Nepal 162
Box 8 3. Serving the Sparsely Populated Sahel: CVECAs 162
Box 8 4. Serving Rural Kenyans: Equity Bank s Mobile Units 165
Box 8 5. Doorstep Collection in the Slums of Dhaka: SafeSave 167
Box 8 6. Using an Existing Delivery System: ASA s
Mandatory Voluntary Product 169
Box 8 7. SHGs: CARE s Kupfuma Inshungu Program 173
Box 8 8. Prodem FFP s Intelligent ATMs 179
Table 8 1. Extending Outreach: Matching Markets with Delivery Systems 182
Table 8 2. Delivery Systems, Cost Factors, and Costs 184
Table 8 3. Delivery Systems, Geographic Outreach, and Service Quality 186
Table 8 4. Delivery Systems and Staffing 188
Illustrations xi
Figure 9 1. Factors for Determining the Interest Rate and Fees 194
Box 9 1. Pricing by a Rural Bank in the Philippines 195
Box 9 2. Cross Subsidies and Competition 199
Box 9 3. Pricing at Teba Bank, South Africa 200
Table 9 1. Guidelines for Relative Interest Rates 201
Box 9^4. Pricing Objectives at Caja Municipal deArequipa 203
Box 9 5. Tiered Interest Rates at BRI 206
Figure 10 1. Elements of the Marketing Cycle 213
Box 10 1. Promotion of a New Market: VYCCU Cooperative, Nepal 215
Box 10 2. Operating in a Competitive Environment: VYCCU,
Ten Years Later 216
Box 10 3. Aiming to Increase Account Size: The Philippines 217
Figure 10 2. Promotion as Communication 219
Box 10—4. A Systematic Approach to Mobilizing Deposits: Personal
Sales at BRI 221
Box 10 5. Advertising: Union Bank in Jamaica and BAAC in Thailand 224
Box 10 6. Word of Mouth: The Key to Growth at Equity Bank 226
Box 10—7. Sales Promotions from Africa to Latin America 228
Box 10 8. Public Relations: People s Bank of Sri Lanka 230
Table 10—1. Summary of Promotional Tools 231
Table 10 2. Savings for the Future: Promotional Plan for New
Contractual Product 235
Box 11 1. Some Useful Definitions 240
Box 11 2. A Culture of Internal Control: ASA 243
Box 11 3. Controlling the Interface between Manual and
Computerized MIS 250
Box 11 4. Field based Collection and Internal Controls: In Their
Own Words 254
Box 11 5. Internal Controls in the CVECAs, Mali 256
Figure 11 1. SafeSave: Internal Controls with Doorstep Collection
and Flexible Sendees 265
Table 11 1. BURO, Tangail Savings and Loan Passbook Verification
Report 268
Box 12 1. Definitions 277
Box 12 2. Managing Liquidity with Limited Management Capacity:
CVECAs, Mali 278
Figure 12 1. Sample Cash Flow Forecasting 281
Table 12 1. Format for Annual Cash flow Budget 283
Box 12 3. Discovering the Cost of Excess Liquidity: Sources and Uses 285
Box 12^4. The Stability and Rate Sensitivity of Different Sources
ofFunds 286
xii Illustrations
Table 12 2. Ratios for Monitoring Liquidity 288
Box 12 5. Core Deposits 290
Box 12 6. Managing a Liquidity Crisis: ASA 293
Table 12 3. Sample Table of Investment Policies 296
Table 12 4. Credit Officer Monthly Summary Sheet of Half yearly
Liquidity Plan 296 97
Table 12 5. Laddering Time Table 298
Box 13 1. Definitions 302
Box 13 2. NIM Illustration 307
Table 13 1. Report Form with Comments 315
Table 13 2. A Bank with Mostly Short term, Stable Funds 318
Box 14 1. The Basics: Cost Accounting Terms 323
Figure 14 1. Results of Traditional Cost Allocation versus ABC 324
Table 14 1. An Assessment of Traditional Cost Allocation and ABC 325
Box 14 2. Example of Cost Allocation Method 328
Table 14—2. Some Possible Allocation Bases 330
Box 14 3. Estimating the Costs of Services: Traditional Cost Allocation
atWOCCU 332
Table 14 3. Example of ABC Steps One and Two 334
Table 14 4. Example of ABC Step Three (for one process only) 336
Table 14 5. Example of ABC Step Four 338
Table 14 6 Example of ABC Step Five (for one process and one product) 340
Table 14 7. Example of ABC Results: Monthly Product Costs by Core
Processes 340
Table 14 8. Example of Total Cost Calculation for Two Savings Products 343
Box 14—4. ABC in a Peruvian Institution 345
Box 15 1. Possible Negative Effects: SafeSave s Decision Not to Use
Financial Incentives 355
Box 15 2. The Changing Need for Incentives over Time:
BURO, Tangail 356
Table 15 1. Using a Spreadsheet to Test the Bonus Formula and
Scenarios: Example of a Simple Savings Scheme 360
Box 15 3. Motivating Both Credit and Savings: Banco Caja Social 364
|
| adam_txt |
Contents
Illustrations ix
Foreword xiii
Acknowledgments xv
Abbreviations xix
Introduction 1
Parti
Overview
1 Why Do the Poor Need Savings Services? 15
What They Get and What They Might Like
Stuart Rutherford
2 Prerequisites for Intermediating Savings 27
Katharine McKee
3 The Keys to Cost Recovery 43
David C. Richardson and Madeline Hirschland
4 Developing or Strengthening Savings Operations 63
What's Involved
Mohammed Azim Hossain, Gerry Lab oyan,
Kathryn Larcombe, and Khem Raj Sapkota
5 Managing to Go Down Market 93
Regulated Financial Institutions and the Move into Microsavings
Robert Peck Christen, N. Srinivasan, and Rodger Voorhies
vii
Part II
Services
6 Developing Products Based on Market Research 117
Graham A. N. Wright
7 Savings Products 137
Madeline Hirschland
8 Beyond Full service Branches I59
Other Delivery Options
Madeline Hirschland
9 Pricing 193
Madeline Hirschland and John Owens
10 Promotion 211
The Final Step in Marketing
Hayder Al Bagdadi and David Cracknell
Part III
Systems
11 Maintaining the Security of Client Funds 239
Monnie Markel Biety
12 Liquidity Management 275
Monnie Markel Biety
13 Managing Interest rate Risk 301
Asset Liability Management
Monnie Markel Biety
14 Product Costing 321
Lorna Grace and Brigit Helms
15 Financial Incentive Schemes for Staff Engaged 349
in Savings Mobilization
Martin Holtmann and Mattias Grammling
Contributors 371
Index 377
Illustrations
Figure Intro 1. Financial Services and the Poverty Spectrum 4
Figure 1 1. (Untitled) 17
Figure 2—1. Preconditions for Intermediating Savings 29
Box 2 1. Summary Checklist of Prerequisites for Intermediating
Deposits 39
Box 2~2. Mobilizing Deposits: Risky Business for a Microfinance
Institution 40
Table 3—1. Number and Size of Accounts of Eighty five
WOCCU affiliated Credit Unions 44
Table 3 2. Approximate Administrative Costs of Saving Services 46
Box 3 1. Attracting Large as Well as Small Deposits: Risks, Reasons,
and Requirements 48
Box 3 2. Achieving Volume: Lessons from the BRI Unit System 50
Table 3 3. Cost of Establishing Small, Self Managed Organizations 59
Box 4—1. Strengthening Operations in a Small Institution: Moderna
Credit Union 65
Box 4 2. Adding Savings to Credit: Tchuma, Mozambique 67
Box 4 3. Expanding Services to the Public: VYCCU Savings and
Credit Cooperative Ltd. 68
Box 4—4. Starting up with Savings: Cooperative Bank ofBenguet,
the Philippines 70
Box 4 5. From Mandatory to Commercial Voluntary Savings: Banco
Caja Social, Colombia 74
Box 4 6. Strengthening Savings in a State Bank: Product and
Promotion at BAAC, Thailand 76
Box 4 7. Strengthening Savings at Postal Savings Banks: Tanzania
Postal Bank 79
Box 4 8. Shifting from Compulsory to Voluntary Services
for Borrowers: ASA 81
Table 4 1. Savings Projection Worksheet Explanation of Variables 85
Table 4 2. Savings Projection Worksheet 88
Box 5 1. The Challenges of Going Down Market: OIBM, Malawi 96
ix
x Illustrations
Box 5 2. Mobile Collection: Atwima Kwanworna Rural Bank 98
Box 5 3. Commercial Downscaling: Hatton National Bank 103
Box 5 4. Reaching Down and Scaling Up through Technology:
SB, South Africa 105
Box 5 5. Going National, Reaching Seven Million Rural Poor:
NABARD, India 107
Box 5 6. Extending Credit Union Services to Poor Rural Women 111
Box6 l.ASA's Discovery 118
Box 6 2. Diversified and Informal: Prudence 119
Figure 6 1.Market Research within the Development Process 120
Table 6 1. Options for Market Research 122
Table 6 2. Strategies for Conducting Market Research: In house
or Contracted Out 124
Table 6 3. From Concept to Prototype: The Smart Student's
Savings Scheme 127
Table 6 4. Time Required for Development of Market driven Products 129
Table 6 5. Competition Market Matrix Worksheet 130
Table 6 6. Concept Design Matrix Worksheet 132
Table 7 1. Proportions of Demand and Time deposits in Some
Mixed Outreach Institutions 139
Table 7 2. Voluntary Product Types from the Client's andMFI's
Perspectives 141
Box 7 1. The Demand for Pension Savings: Grameen Bank's
Pension Product 143
Table 7 3. Comparison of Contractual and Compulsory Savings 145
Table 7 4. Savings Product Mix in Eight MFIs 148
Box 7 2. Frequency, Variability, Reliability: The SafeSave Experience 151
Box 8 1. Convenience Matters 159
Box 8 2. Autonomous Cooperatives: A Model for Remote Areas
in Nepal 162
Box 8 3. Serving the Sparsely Populated Sahel: CVECAs 162
Box 8 4. Serving Rural Kenyans: Equity Bank's Mobile Units 165
Box 8 5. Doorstep Collection in the Slums of Dhaka: SafeSave 167
Box 8 6. Using an Existing Delivery System: ASA's
Mandatory Voluntary Product 169
Box 8 7. SHGs: CARE's Kupfuma Inshungu Program 173
Box 8 8. Prodem FFP 's Intelligent ATMs 179
Table 8 1. Extending Outreach: Matching Markets with Delivery Systems 182
Table 8 2. Delivery Systems, Cost Factors, and Costs 184
Table 8 3. Delivery Systems, Geographic Outreach, and Service Quality 186
Table 8 4. Delivery Systems and Staffing 188
Illustrations xi
Figure 9 1. Factors for Determining the Interest Rate and Fees 194
Box 9 1. Pricing by a Rural Bank in the Philippines 195
Box 9 2. Cross Subsidies and Competition 199
Box 9 3. Pricing at Teba Bank, South Africa 200
Table 9 1. Guidelines for Relative Interest Rates 201
Box 9^4. Pricing Objectives at Caja Municipal deArequipa 203
Box 9 5. Tiered Interest Rates at BRI 206
Figure 10 1. Elements of the Marketing Cycle 213
Box 10 1. Promotion of a New Market: VYCCU Cooperative, Nepal 215
Box 10 2. Operating in a Competitive Environment: VYCCU,
Ten Years Later 216
Box 10 3. Aiming to Increase Account Size: The Philippines 217
Figure 10 2. Promotion as Communication 219
Box 10—4. A Systematic Approach to Mobilizing Deposits: Personal
Sales at BRI 221
Box 10 5. Advertising: Union Bank in Jamaica and BAAC in Thailand 224
Box 10 6. Word of Mouth: The Key to Growth at Equity Bank 226
Box 10—7. Sales Promotions from Africa to Latin America 228
Box 10 8. Public Relations: People's Bank of Sri Lanka 230
Table 10—1. Summary of Promotional Tools 231
Table 10 2. Savings for the Future: Promotional Plan for New
Contractual Product 235
Box 11 1. Some Useful Definitions 240
Box 11 2. A Culture of Internal Control: ASA 243
Box 11 3. Controlling the Interface between Manual and
Computerized MIS 250
Box 11 4. Field based Collection and Internal Controls: In Their
Own Words 254
Box 11 5. Internal Controls in the CVECAs, Mali 256
Figure 11 1. SafeSave: Internal Controls with Doorstep Collection
and Flexible Sendees 265
Table 11 1. BURO, Tangail Savings and Loan Passbook Verification
Report 268
Box 12 1. Definitions 277
Box 12 2. Managing Liquidity with Limited Management Capacity:
CVECAs, Mali 278
Figure 12 1. Sample Cash Flow Forecasting 281
Table 12 1. Format for Annual Cash flow Budget 283
Box 12 3. Discovering the Cost of Excess Liquidity: Sources and Uses 285
Box 12^4. The Stability and Rate Sensitivity of Different Sources
ofFunds 286
xii Illustrations
Table 12 2. Ratios for Monitoring Liquidity 288
Box 12 5. Core Deposits 290
Box 12 6. Managing a Liquidity Crisis: ASA 293
Table 12 3. Sample Table of Investment Policies 296
Table 12 4. Credit Officer Monthly Summary Sheet of Half yearly
Liquidity Plan 296 97
Table 12 5. Laddering Time Table 298
Box 13 1. Definitions 302
Box 13 2. NIM Illustration 307
Table 13 1. Report Form with Comments 315
Table 13 2. A Bank with Mostly Short term, Stable Funds 318
Box 14 1. The Basics: Cost Accounting Terms 323
Figure 14 1. Results of Traditional Cost Allocation versus ABC 324
Table 14 1. An Assessment of Traditional Cost Allocation and ABC 325
Box 14 2. Example of Cost Allocation Method 328
Table 14—2. Some Possible Allocation Bases 330
' Box 14 3. Estimating the Costs of Services: Traditional Cost Allocation
atWOCCU 332
Table 14 3. Example of ABC Steps One and Two 334
Table 14 4. Example of ABC Step Three (for one process only) 336
Table 14 5. Example of ABC Step Four 338
Table 14 6 Example of ABC Step Five (for one process and one product) 340
Table 14 7. Example of ABC Results: Monthly Product Costs by Core
Processes 340
Table 14 8. Example of Total Cost Calculation for Two Savings Products 343
Box 14—4. ABC in a Peruvian Institution 345
Box 15 1. Possible Negative Effects: SafeSave's Decision Not to Use
Financial Incentives 355
Box 15 2. The Changing Need for Incentives over Time:
BURO, Tangail 356
Table 15 1. Using a Spreadsheet to Test the Bonus Formula and
Scenarios: Example of a Simple Savings Scheme 360
Box 15 3. Motivating Both Credit and Savings: Banco Caja Social 364 |
| any_adam_object | 1 |
| any_adam_object_boolean | 1 |
| building | Verbundindex |
| bvnumber | BV021383987 |
| callnumber-first | H - Social Science |
| callnumber-label | HG1660 |
| callnumber-raw | HG1660.A3 |
| callnumber-search | HG1660.A3 |
| callnumber-sort | HG 41660 A3 |
| callnumber-subject | HG - Finance |
| classification_rvk | QM 353 |
| ctrlnum | (OCoLC)60742094 (DE-599)BVBBV021383987 |
| dewey-full | 332.1/752/068 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.1/752/068 |
| dewey-search | 332.1/752/068 |
| dewey-sort | 3332.1 3752 268 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| discipline_str_mv | Wirtschaftswissenschaften |
| edition | 1. printing |
| format | Book |
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| genre | (DE-588)4143413-4 Aufsatzsammlung gnd-content |
| genre_facet | Aufsatzsammlung |
| geographic | Entwicklungsländer (DE-588)4014954-7 gnd |
| geographic_facet | Entwicklungsländer |
| id | DE-604.BV021383987 |
| illustrated | Illustrated |
| index_date | 2024-07-02T14:02:15Z |
| indexdate | 2024-07-09T20:35:54Z |
| institution | BVB |
| isbn | 1565492099 |
| language | English |
| lccn | 2005018007 |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-014653790 |
| oclc_num | 60742094 |
| open_access_boolean | |
| owner | DE-703 DE-188 |
| owner_facet | DE-703 DE-188 |
| physical | XIX, 378 S. graph. Darst. |
| publishDate | 2005 |
| publishDateSearch | 2005 |
| publishDateSort | 2005 |
| publisher | Kumarian Press [u.a.] |
| record_format | marc |
| spelling | Savings services for the poor an operational guide edited by Madeline Hirschland 1. printing Bloomfield, CT Kumarian Press [u.a.] 2005 XIX, 378 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier "Contains practical guidance for managing sounds savings operations for small and rural depositors. The book addresses two types of institutions: microfinance institutions and mainstream banks"--Provided by publisher. Banques Banques - Gestion Caisses d'épargne Comptes d'épargne Microcrédit Pauvres Épargne Bank Savings accounts Saving and investment Savings banks Banks and banking Bank management Microfinance Poor Mikrofinanzierung (DE-588)4835581-1 gnd rswk-swf Depositengeschäft (DE-588)4149112-9 gnd rswk-swf Sparförderung (DE-588)4056025-9 gnd rswk-swf Bank (DE-588)4004436-1 gnd rswk-swf Entwicklungsländer (DE-588)4014954-7 gnd rswk-swf (DE-588)4143413-4 Aufsatzsammlung gnd-content Mikrofinanzierung (DE-588)4835581-1 s DE-604 Entwicklungsländer (DE-588)4014954-7 g Bank (DE-588)4004436-1 s Depositengeschäft (DE-588)4149112-9 s Sparförderung (DE-588)4056025-9 s DE-188 Hirschland, Madeline Sonstige oth HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=014653790&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Savings services for the poor an operational guide Banques Banques - Gestion Caisses d'épargne Comptes d'épargne Microcrédit Pauvres Épargne Bank Savings accounts Saving and investment Savings banks Banks and banking Bank management Microfinance Poor Mikrofinanzierung (DE-588)4835581-1 gnd Depositengeschäft (DE-588)4149112-9 gnd Sparförderung (DE-588)4056025-9 gnd Bank (DE-588)4004436-1 gnd |
| subject_GND | (DE-588)4835581-1 (DE-588)4149112-9 (DE-588)4056025-9 (DE-588)4004436-1 (DE-588)4014954-7 (DE-588)4143413-4 |
| title | Savings services for the poor an operational guide |
| title_auth | Savings services for the poor an operational guide |
| title_exact_search | Savings services for the poor an operational guide |
| title_exact_search_txtP | Savings services for the poor an operational guide |
| title_full | Savings services for the poor an operational guide edited by Madeline Hirschland |
| title_fullStr | Savings services for the poor an operational guide edited by Madeline Hirschland |
| title_full_unstemmed | Savings services for the poor an operational guide edited by Madeline Hirschland |
| title_short | Savings services for the poor |
| title_sort | savings services for the poor an operational guide |
| title_sub | an operational guide |
| topic | Banques Banques - Gestion Caisses d'épargne Comptes d'épargne Microcrédit Pauvres Épargne Bank Savings accounts Saving and investment Savings banks Banks and banking Bank management Microfinance Poor Mikrofinanzierung (DE-588)4835581-1 gnd Depositengeschäft (DE-588)4149112-9 gnd Sparförderung (DE-588)4056025-9 gnd Bank (DE-588)4004436-1 gnd |
| topic_facet | Banques Banques - Gestion Caisses d'épargne Comptes d'épargne Microcrédit Pauvres Épargne Bank Savings accounts Saving and investment Savings banks Banks and banking Bank management Microfinance Poor Mikrofinanzierung Depositengeschäft Sparförderung Entwicklungsländer Aufsatzsammlung |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=014653790&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| work_keys_str_mv | AT hirschlandmadeline savingsservicesforthepooranoperationalguide |