Microsavings Could Mean Big Gains for the World’s Poor17 November 2011This is the VOA Special English Economics Report.When it comes tosavings, no amount is too small. Microsaving is a growing part of the international movement ofmicrofinance. The aim is to bring financial services to poor people.Modern microfinance started with Nobel Prize-winning economist Muhammad Yunus in Bangladesh. In the nineteen seventies, he started smallloanprograms that would become the Grameen Bank. Currently, microcredit providers are in over one hundred countries.Now, microfinance institutions are starting to offer other services, including savings plans.Recently, the non-profit group Small Enterprise Education and Promotion held a conference in Washington. SEEP works with over one hundred twenty groups around the world in efforts to cut poverty. It does this by supporting small businesses.The goal is help microfinance industry experts share ideas. One idea is called Financial Access at Birth, or FAB. It is designed to start each person with a financial citizenship at birth through a savings account connected to a bankdeposit.Rosita Najmi is FAB's program director.ROSITA NAJMI: "FAB starts with financial inclusion, but it creates other opportunities of inclusion across othersectorsof health or education and I think that's what the international development community needs and seeks at this time."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 alsobe extended toother financial services.DEBBIE DEAN: "It's probably going to be a combination of savings programs and money transfer programs,payment systemsthat all kind of converge together to be able to provide the customer with the most flexibility and the most convenience tomeet 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 toadopt. You have to have a risk management system in place, you have to have an internalauditsystem 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 Bajwaputs it this way. He says the amount of money that poor people have isunimaginable.And that's the Economics Report in VOA Special English. And I'm Mario Ritter.难点注释when it comes to：当提到…… 就……而论be extended to：延伸至……payment system：支付系统：付酬制度meet one’s need：满足某人的需求put it this way：这样说，这样做，这样表达microfinance：小额信贷loan：[ləun]n. 贷款,借出,债权人vt.vi. 借,供应货款,借给deposit：[di'pɔzit]vt. 储蓄,付;使沉淀,使淤积；把硬币投入(自动售货机等) 留下;n. 存款,保证金;沉积物,矿床sector：['sektə]n. 扇形,尺规,函数尺vt. 把…分成扇形n.部门adopt：[ə'dɔpt]v. 采纳,采用;正式通过;领养We adopted the new method of making wine.我们采用了新的酿酒方法。They adopt new techniques in raising sheep.他们采用新的养羊技术。audit：['ɔ:dit]vi. 审计；[审计] 查帐n. 审计；[审计] 查帐vt. （美）旁听vi.审计；[审计]查帐The principal function of CPAs is auditing.注册会计师的首要职责是审计。He shall audit the accounts and furnish a report on them.核数署署长应对帐目进行审计并提出审计报告。unimaginable：不可思议的，难以想象的