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What type of microfinance institutions supply savings products?

Anastasia Cozarenco, Marek Hudon and Ariane Szafarz
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Anastasia Cozarenco: MRM - Montpellier Research in Management - UM1 - Université Montpellier 1 - UPVM - Université Paul-Valéry - Montpellier 3 - UM2 - Université Montpellier 2 - Sciences et Techniques - UPVD - Université de Perpignan Via Domitia - Groupe Sup de Co Montpellier (GSCM) - Montpellier Business School - UM - Université de Montpellier
Marek Hudon: ULB - Université libre de Bruxelles

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Abstract: Recent evidence shows that the poor desperately need access to savings products. But despite this general consensus, microfinance institutions (MFIs) offering savings products are still under-studied. Using random-effect probit estimation on a dataset of 722 MFIs active over the 2005\textendash2010 period, we try to identify the characteristics of those that collect voluntary savings. Our results suggest that these MFIs have received fewer subsidies than their credit-only counterparts. In other words, subsidies would crowd out micro-savings products, suggesting that donors generate negative externalities on product diversification.

Keywords: Micro-savings; Microfinance; Savings; Subsidies (search for similar items in EconPapers)
Date: 2016
Note: View the original document on HAL open archive server: https://hal.archives-ouvertes.fr/hal-02010655
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Published in Economics Letters, Elsevier, 2016, 140, pp.57--59. ⟨10.1016/j.econlet.2016.01.013⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-02010655

DOI: 10.1016/j.econlet.2016.01.013

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