37830 2005// 1818 H Street, NW, Washington, DC 20433 USA 2002/: 2003/: )2003/( .www.cgap.org . iv 1 2 - 2 3 3 6 6 10 10 11 12 . 12 : 13 13 13 14 . 14 15 16 19 23 23 "" : 27 "" . 2001/ :2001/ . .. . . : )DFID( )ILO( )GTZ( )USAID( )CIDA( .)CGAP( / .2002 iv . : . . . . 1. ---- .. -- .-- . . . 1Robinson,"SavingsandtheNewMicrofinance";Wright,"BeyondBasicCreditand Savings,"and"TheCaseforVoluntary,OpenAccessSavingsFacilities";Mohammed, "SavingsasanInstrumentforPovertyReduction." .)MFIs( . . . . . . · · · . - 2: ."" )1(: )2( . -- . 2Small and Microenterprise Finance: Guiding Principles for Selecting & Supporting Intermediaries. Donor Working Group on Financial Sector Development and the CommitteeofDonorAgenciesforSmallEnterpriseDevelopment)Washington,DC: WorldBank,1995(. (. ) ". " "----. 3." . . . . )1( )2( 3. . . . . . . .: . . . . .. 3Small and Microenterprise Finance, 3. 3Rutherford,The Poor and Their Money. · . . . . .)( . · . . . . . . · . . . . ( · ) . ---- . . . . ."" "" "" "" . . . ."" . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . -- . 4 4 . . . · . . . · . . . . . )( . . )NGOs( . . . . 5. . . . ( ) . . . . ( .) . . . . · · . . . . . . . . : · . · . · . . . . . · / . : . . . . . . . . . :. · · · · · . · . . . . . . . . -- 0 . , . . . . . . . . . . . . . . . . : · · · . . . . . . - : . . . . . . . . . . . . : . . . . . . . . . . . . . . . ./ . : · . · : · · · · ( .) . : . . . . ---- . . . . . . . . . . . )( . : · . . . · - . . . . . ( .) . . . "" . . . . . . . : . . . . . . . : . · . . · ( ) . . · . . · . . . · . . . · . : · . . .)( · . . . . . BIBLIOGRAPHY Adams, D., and R. Vogel. "Rural Financial Markets in Low Income Countries: Recent Controversies and Lessons." World Development 14, no. 4 (1986): 477­87. Arbuckle, Lee. "The Road to Success: Another Crossroads, Experiences from the Honduras Cooperative Strengthening Project." World Council of Credit Unions Research Monograph Series, no. 7. Madison, Wis., USA: World Council of Credit Unions, 1994. www.woccu.org/pdf/monogr7.pdf. Balkenhol, Bernd. Credit Unions and the Poverty Challenge: Extending Outreach, Enhancing Sustainability. Geneva, Switzerland: ILO,1999. Baydas, M., and D. Graham. "Commercial Banks in Microfinance: New Actors in the Microfinance World." Bethesda, Md., USA: USAID/Microenterprise Best Practices, 1997. www.mip.org/pubs/mbp_res.htm. Bouman, F. "Rotating and Accumulating Savings and Credit Associations: A Development Perspective." World Development 23, no. 3 (1995): 371­84. ------. "ROSCA and ASCRA: Beyond the Financial Landscape." In Financial Landscapes Reconstructed: The Fine Art of Mapping Development. Edited by F.J.A. Bouman and O. Hospes. The Netherlands: Green City Wageningen, 1994. www.gcw.nl/kiosk/microfinance/. ------. "Indigenous Savings and Credit Societies in the Third World: A Message." Savings and Development 1, no. 4 (1977): 181­214. Branch, B., and A.C. Evans. "Credit Unions: Effective Vehicles for Microfinance Delivery." Madison, Wis., USA: World Council of Credit Unions, 1999. www.woccu.org/pdf/ microfin.pdf. Charitonenko, S., R. Patten, and J. Yaron. "Bank Rikyat Indonesia: Unit Desa, 1970­1996." Washington, DC: World Bank/Sustainable Banking with the Poor, 1998. www.cgap.org/assets/images/bri.PDF. Developing Deposit Services for the Poor 19 Donors Working Group on Financial Sector Development and the Committee of Donor Agencies for Small Enterprise Development. Small and Microenterprise Finance: Guiding Principles for Selecting and Supporting Intermediaries, Donor Guidelines for Microfinance International Best Practices. Washington, DC: World Bank, 1995. Elser, L., A. Hannig, and S. Wisniwski. "A Comparative Analysis of Savings Mobilization Strategies." Eschborn, Germany: CGAP Working Group on Savings Mobilization/GTZ/BMZ, 1999. www.cgap.org/assets/images/compara.PDF. Fiebig, M., A. Hannig, and S. Wisniwski. "Savings in the Context of Microfinance: State of Knowledge." Eschborn, Germany: CGAP Working Group on Savings Mobilization/GTZ/BMZ. 1999. www.cgap.org/assets/ images/savings.PDF. Food and Agriculture Organization of the United Nations (FAO). Safeguarding Deposits: Learning from Experience. Rome: FAO, 1995. Gonzalez-Vega, C., and D. Graham. "State-Owned Agricultural Development Banks: Lessons and Opportunities for Microfinance." Bethesda, Md., USA: USAID/GEMINI, 1995. aede.ag.ohio-state.edu/programs/ruralfinance/ pdf/eso2245.pdf. Kropp, E., "Linking Self-Help Groups and Banks in Developing Countries." Eschborn, Germany: GTZ, 1989. Out of print. Mohammed, S. "Savings as an Instrument for Poverty Reduction." Conference report, UNDP/SUM, New York, October 4­5, 1999. Robinson, Marguerite. Introducing Savings in Microcredit Institutions: When and How? CGAP Focus Note, no. 8. Washington, DC: CGAP, April 1997. www.cgap.org/html/ p_focus_notes.html. ------. 2001. "Savings and the New Microfinance." In Sustainable Finance for the Poor. Vol. 1 of The Microfinance Revolution. Washington, DC: The World Bank, 2001. Rutherford, Stuart. The Poor and Their Money: An Essay about Financial Services for Poor People. New Delhi, India: Oxford University Press, 1999. Seibel, H. D. "A Linkage Model for Informal and Formal Financial Markets." Quarterly Journal of International Agriculture 24, no. 4 (1985):390­8. ------. Financial Systems Development and Microfinance: Viable Institutions, Appropriate Strategies, and Sustainable Financial Services for the Microeconomy. Eschborn, Germany: GTZ, 1996. ------. 1997. "Upgrading, Downgrading, Linking, Innovating: Microfinance Development Strategies: A Systems Perspective." Working Paper 1997-6. Cologne, Germany: University of Cologne, Development Research Center, 1997. www.uni-koeln.de. Stack, K., and D. Thys. "A Business Model for Going Down Market: Combining Credit Unions and `Credit with Education'." MicroBanking Bulletin 5 (2000): 9­12. www.mixmbb.org/en/mbb_issues/05/mbb_5.html. 20 Microfinance Consensus Guidelines 0 Westley, G., and B. Branch, eds. Safe Money: Building Effective Credit Unions in Latin America. Washington, DC: Inter-American Development Bank/World Council of Credit Unions, 2000. Wisniwski, S. "Microsavings Compared to Other Sources of Funds." Eschborn, Germany: GTZ, 1999. www.cgap.org/assets/images/sof.PDF. Wright, G.A.N. "Beyond Basic Credit and Savings: Developing New Financial Service Products for the Poor." Eschborn, Germany: CGAP Working Group on Savings Mobilization/ GTZ/BMZ, 1999. ------. "The Case for Voluntary, Open Access Savings Facilities and Why Bangladesh's Largest MFIs Were Slow to React." Eschborn, Germany: CGAP Working Group on Savings Mobilization/GTZ/BMZ, 1999. ------. "Principles and Practice: Myths of Regulation and Supervision." MicroSave-Africa essay. Nairobi, Kenya: MicroSave-Africa, January 2000. www.microsave-africa.com. Wright, G.A.N., and L. Mutesasira. "The Relative Risks to the Savings of Poor People." MicroSave-Africa essay. Nairobi, Kenya: MicroSave-Africa, 2001. www.microsave-africa.com. Developing Deposit Services for the Poor 21 "" : . .1994 1995/ . . - . . . .1 . . .2 . . .3 ( .) .4 . [ ] ][ . . : .1 . . : .2 (. .) . : .3 -- . : .4 . . : .1 ( ) . ( ) *. : .2 . 30 10 .4 : .3 (. ) . ( ) . : .4 . . . . - . . . . . . .1 . . . . .2 . . . . . . .3 . . . . . .4 . . . . . . . . . : . .1 . .2 . .3 . . )(. . . . "" MicroSave-Africa:www.microsave-africa.com : www.cgap.org/html/p_cg_working_group_papers.html : www.microfinancegateway.org/search.htm :)GTZ( www.gtz.de/publikationen/english/publications/index.asp