Mobile or wireless technology will be important to many microfinance services. One meeting at the SEEP conference examined a mobile phone application for saving money. Debbie Dean of the Grameen Foundation says these efforts can also
be extended to
other financial services.
DEBBIE DEAN: "It's probably going to be a combination of savings programs and money transfer programs,
payment systems
that all kind of converge together to be able to provide the customer with the most flexibility and the most convenience to
meet their needs
." [18]
But offering savings, payments and other services requires more training and controls. Rashid Bajwa leads Pakistan’s largest microfinance organization. He says more training is needed.
RASHID BAJWA: "When microfinance institutions start offering savings, then they have to be trained to do that. This is a specialization which needs specialized people to
adopt
. You have to have a risk management system in place, you have to have an internal
audit
system in place, you have to have a huge set of new things which you generally don't need when you are just doing microcredit."
Small savings deposits add up. And interest over time makes them grow. This can have a surprising effect for savers and societies.
Rashid Bajwa
puts it this way
. He says the amount of money that poor people have is
unimaginable
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2013-11-25
2013-11-25
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2013-11-25