Research Papers

Increasing cases of MFI client over-indebtedness are being reported around the world. MFIs cite over-indebtedness as one of the top reasons for delinquent accounts. This research aims to provide market information to financial institutions on over-indebtedness in order to help them develop client protection strategies.

To better understand multiple borrowing and its association with over indebtedness, MicroSave partnered with TSPI Development Corporation, to study the phenomenon. This study found strong evidence of the occurrence of multiple borrowing among urban-based women micro entrepreneurs.

MicroSave conducted this study to examine the impact of the Andhra Pradesh crisis on borrowers, by collating client experiences, opinions and needs so as to help policy makers and key actors to devise solutions suited to client requirements.  The study found that most clients have been forced to return to, or further expand their dependence on, moneylenders.

M-PESA is probably the best-known mobile money transfer service and one of the few successful business models for such a service anywhere in the world. Over 75 financial institutions in Kenya alone, including banks, microfinance groups, insurance and pension plans, and savings & credit cooperatives (SACCOs), currently work with Safaricom to offer mobile banking to their customers.