Are Deposits a Stable Source of Funding for Microfinance Institutions?

Poor people save. The conventional view is that low-income depositors transact more frequently than holders of larger accounts and are more prone to income disruptions from natural disasters, health issues, crime, and other factors. This perception...

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Main Authors:	Abakaeva, Julia, Glisovic-Mezieres, Jasmina
Format:	Brief
Language:	English
Published:	World Bank, Washington, DC 2012
Subjects:	ASSETS BANK INDONESIA BANKS CHECKS COMMERCIAL BANK CONSUMER PRICE INFLATION CREDIT BANK CURRENT ACCOUNTS DEMAND DEPOSITS DEPOSIT DEPOSIT BALANCES DEPOSIT PRODUCTS DEPOSIT VOLUMES DEPOSITOR DEPOSITORS DEPOSITS DEVELOPING COUNTRIES EUROPEAN CENTRAL BANK FINANCIAL INSTITUTIONS FINANCIAL MARKETS FINANCIAL TRANSACTIONS INCOME INFLATION INTEREST COST INTEREST RATES LIABILITY LIABILITY MANAGEMENT LIQUIDITY LIQUIDITY CRISIS LIQUIDITY MANAGEMENT LOAN LONG-TERM LOANS MFIS MICRO-ENTERPRISE MICROFINANCE MICROFINANCE INSTITUTIONS NATIONAL BANK NATURAL DISASTER NATURAL DISASTERS POLITICAL TURMOIL PORTFOLIO REFERENDUM REGULATOR REPUTATION SAVINGS SAVINGS ACCOUNTS SAVINGS DEPOSITS SAVINGS PRODUCTS SOURCE OF FUNDS SOURCES OF FUNDS STATE BANK STATE BANK OF PAKISTAN TAX TERM DEPOSITS TIME DEPOSITS TRANSACTION VOLATILITY
Online Access:	http://documents.worldbank.org/curated/en/2009/06/11064899/deposits-stable-source-funding-microfinance-institutions http://hdl.handle.net/10986/9494

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recordtype	oai_dc
spelling	okr-10986-94942021-04-23T14:02:45Z Are Deposits a Stable Source of Funding for Microfinance Institutions? Abakaeva, Julia Glisovic-Mezieres, Jasmina ASSETS BANK INDONESIA BANKS CHECKS COMMERCIAL BANK CONSUMER PRICE INFLATION CREDIT BANK CURRENT ACCOUNTS DEMAND DEPOSITS DEPOSIT DEPOSIT BALANCES DEPOSIT PRODUCTS DEPOSIT VOLUMES DEPOSITOR DEPOSITORS DEPOSITS DEVELOPING COUNTRIES EUROPEAN CENTRAL BANK FINANCIAL INSTITUTIONS FINANCIAL MARKETS FINANCIAL TRANSACTIONS INCOME INFLATION INTEREST COST INTEREST RATES LIABILITY LIABILITY MANAGEMENT LIQUIDITY LIQUIDITY CRISIS LIQUIDITY MANAGEMENT LOAN LONG-TERM LOANS MFIS MICRO-ENTERPRISE MICROFINANCE MICROFINANCE INSTITUTIONS NATIONAL BANK NATURAL DISASTER NATURAL DISASTERS POLITICAL TURMOIL PORTFOLIO REFERENDUM REGULATOR REPUTATION SAVINGS SAVINGS ACCOUNTS SAVINGS DEPOSITS SAVINGS PRODUCTS SOURCE OF FUNDS SOURCES OF FUNDS STATE BANK STATE BANK OF PAKISTAN TAX TERM DEPOSITS TIME DEPOSITS TRANSACTION VOLATILITY Poor people save. The conventional view is that low-income depositors transact more frequently than holders of larger accounts and are more prone to income disruptions from natural disasters, health issues, crime, and other factors. This perception makes financial institutions stepping into the under-served low-income space worry about whether they can use small deposits to fund their lending operations. But new research finds that under normal circumstances, aggregate balances for low-income accounts move gradually, and they are not prone to abrupt month-by month swings. This should make liquidity management easier because it gives the institutions enough time to adjust to changes in deposit supply over several months. 2012-08-13T08:45:44Z 2012-08-13T08:45:44Z 2009-06 http://documents.worldbank.org/curated/en/2009/06/11064899/deposits-stable-source-funding-microfinance-institutions http://hdl.handle.net/10986/9494 English CGAP Brief CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank World Bank, Washington, DC Publications & Research :: Brief Publications & Research
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English
topic	ASSETS BANK INDONESIA BANKS CHECKS COMMERCIAL BANK CONSUMER PRICE INFLATION CREDIT BANK CURRENT ACCOUNTS DEMAND DEPOSITS DEPOSIT DEPOSIT BALANCES DEPOSIT PRODUCTS DEPOSIT VOLUMES DEPOSITOR DEPOSITORS DEPOSITS DEVELOPING COUNTRIES EUROPEAN CENTRAL BANK FINANCIAL INSTITUTIONS FINANCIAL MARKETS FINANCIAL TRANSACTIONS INCOME INFLATION INTEREST COST INTEREST RATES LIABILITY LIABILITY MANAGEMENT LIQUIDITY LIQUIDITY CRISIS LIQUIDITY MANAGEMENT LOAN LONG-TERM LOANS MFIS MICRO-ENTERPRISE MICROFINANCE MICROFINANCE INSTITUTIONS NATIONAL BANK NATURAL DISASTER NATURAL DISASTERS POLITICAL TURMOIL PORTFOLIO REFERENDUM REGULATOR REPUTATION SAVINGS SAVINGS ACCOUNTS SAVINGS DEPOSITS SAVINGS PRODUCTS SOURCE OF FUNDS SOURCES OF FUNDS STATE BANK STATE BANK OF PAKISTAN TAX TERM DEPOSITS TIME DEPOSITS TRANSACTION VOLATILITY
spellingShingle	ASSETS BANK INDONESIA BANKS CHECKS COMMERCIAL BANK CONSUMER PRICE INFLATION CREDIT BANK CURRENT ACCOUNTS DEMAND DEPOSITS DEPOSIT DEPOSIT BALANCES DEPOSIT PRODUCTS DEPOSIT VOLUMES DEPOSITOR DEPOSITORS DEPOSITS DEVELOPING COUNTRIES EUROPEAN CENTRAL BANK FINANCIAL INSTITUTIONS FINANCIAL MARKETS FINANCIAL TRANSACTIONS INCOME INFLATION INTEREST COST INTEREST RATES LIABILITY LIABILITY MANAGEMENT LIQUIDITY LIQUIDITY CRISIS LIQUIDITY MANAGEMENT LOAN LONG-TERM LOANS MFIS MICRO-ENTERPRISE MICROFINANCE MICROFINANCE INSTITUTIONS NATIONAL BANK NATURAL DISASTER NATURAL DISASTERS POLITICAL TURMOIL PORTFOLIO REFERENDUM REGULATOR REPUTATION SAVINGS SAVINGS ACCOUNTS SAVINGS DEPOSITS SAVINGS PRODUCTS SOURCE OF FUNDS SOURCES OF FUNDS STATE BANK STATE BANK OF PAKISTAN TAX TERM DEPOSITS TIME DEPOSITS TRANSACTION VOLATILITY Abakaeva, Julia Glisovic-Mezieres, Jasmina Are Deposits a Stable Source of Funding for Microfinance Institutions?
relation	CGAP Brief
description	Poor people save. The conventional view is that low-income depositors transact more frequently than holders of larger accounts and are more prone to income disruptions from natural disasters, health issues, crime, and other factors. This perception makes financial institutions stepping into the under-served low-income space worry about whether they can use small deposits to fund their lending operations. But new research finds that under normal circumstances, aggregate balances for low-income accounts move gradually, and they are not prone to abrupt month-by month swings. This should make liquidity management easier because it gives the institutions enough time to adjust to changes in deposit supply over several months.
format	Publications & Research :: Brief
author	Abakaeva, Julia Glisovic-Mezieres, Jasmina
author_facet	Abakaeva, Julia Glisovic-Mezieres, Jasmina
author_sort	Abakaeva, Julia
title	Are Deposits a Stable Source of Funding for Microfinance Institutions?
title_short	Are Deposits a Stable Source of Funding for Microfinance Institutions?
title_full	Are Deposits a Stable Source of Funding for Microfinance Institutions?
title_fullStr	Are Deposits a Stable Source of Funding for Microfinance Institutions?
title_full_unstemmed	Are Deposits a Stable Source of Funding for Microfinance Institutions?
title_sort	are deposits a stable source of funding for microfinance institutions?
publisher	World Bank, Washington, DC
publishDate	2012
url	http://documents.worldbank.org/curated/en/2009/06/11064899/deposits-stable-source-funding-microfinance-institutions http://hdl.handle.net/10986/9494
_version_	1764409563653603328

Are Deposits a Stable Source of Funding for Microfinance Institutions?

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