MicroSave Consulting or MSC is the world’s local expert in financial, economic, and social inclusion in the digital age. We work with participants in digital ecosystems to drive the agenda of inclusion for everyone.

Our roster of over 190 staff members provides market-led insights, dependable expertise, and useful advice across a wide variety of fields. We take pride in sharing our on-ground lessons with the community to enable knowledge transfer and to build discussions on key topics. With our time-tested inputs, our clients are able to seize the digital opportunity, address the mass market, and future-proof their operations.

Posts by MSC

Loan Appraisal: Visiting Client’s Business

In this video, MicroSave explains the Bishara Imara Lending Cycle, an individual loan product of Equity Bank. This episode discusses the first few steps of the lending cycle, namely, loan application, loan appraisal and analysis. After filling of the loan application, the loan officer visits the business premise and residence of the client for loan […]

Individual Lending Product Features: Equity Bank

In this video, Equity Bank team shares the challenges faced while developing Biashara Imara – an individual loan product in Kenya for people with low earnings – and what steps did they take to overcome the initial glitch. Further the branch manager attributes Biashara Imara’s success on its excellent performance based on various parameters such […]

MicroSave project completion report for FSD Kenya

Converted into a commercial service-providing organization after its final phase (2004–2007), MicroSave was started in 1998 as a four-year project funded by DFID, CGAP, the Austrian Development Agency, and NORAD. This paper assesses the performance of its final phase, overall experience over nine years, its achievements, and the lessons learned.

Equity Bank Employees’ Market led Success-Equity Bank Kenya

The video depicts the journey of Equity Bank Kenya from a Society to a commercial Bank. The Equity Bank business model has attracted both local and international recognition. Equity has also become a hub of other institutions worldwide keen on learning and exchanging insights on the Equity model of extending financial services to the low […]

Costs and benefits of process mapping – Based on the case study of MI-BOSPO (Bosnia and Herzegovina)

This paper examines the ability of MFIs to increase their efficiencies within Product Policies using Process Mapping in Bosnia and Herzegovina.

Virtual conference on electronic banking for the poor

In February 2004 MicroSave hosted a Virtual Conference on Electronic Banking for the Poor. This paper summarises the discussion which brought together 500 participants and generated 400 postings.

Principles for Designing Staff Incentive Schemes

This article attempts to summarise the process of designing incentive schemes for staff members of microfinance institutions (MFIs).

Dropouts in Northern Province, South Africa

The paper examines why two MFIs in north eastern South Africa suffer such remarkably high levels of drop-out amongst their clients.