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Drop-outs and Graduates – Lessons from Bangladesh
The paper examines why the MFIs in Bangladesh suffer high drop-out amongst their clients. The study also seeks to improve understanding of why the current systems and services being provided by MFIs appear (on the basis of these drop-out rates) to be failing to meet the needs and demands of...
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Micropensions: The Scope and Progress to Date
Country Focus Notes Author: Premasis Mukherjee and Ritika SrivastavaPublished: March 29, 2012
Abstract:
This Note assesses if there is an adequate business case for micropensions in India. It also identifies the uniqueness in the existing micropension models in India. Delivering a long term savings instrument like pensions to the low income segment is a huge distributional as well as behavioural challenge. The success of any micropension scheme will ultimately depend upon:
- The level of trust a distributor enjoys from its clients, which is essential for a long term association;
- The outreach of the distributor, to bring scale;
- Efficiency, to handle operations in a timely manner, and
- The revenue model of the scheme, which will decide whether the commission is sufficient to motivate the distributor to mobilise resources.
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