Warning to microfinance institutions in Africa: innovate or die
For a long time, microfinance institutions in Africa have been content with being mainly microcredit specialists without much regard to the real needs of their customers. But in recent years the customer profile has drastically changed; customers are now more exposed and savvy and they question everything from price to design. The commercial banks and the mobile network operators have joined the fray. So unless microfinance institutions change, they will slowly but surely die a natural death.Cracknell, D. et al. (2008) ‘Opportunity International Bank of Malawi Deposit Mobilization Review’, MicroSave Africa.
DMS (2009) Annual Reports 2008–2009, Deepening Malawi's Microfinance Sector Project, Chemonics International, USA.
Joseph, M. (2009) ‘Why mobile money transfer’, paper presented at Mobile Money Transfer conference, 5–7 May 2009, Johannesburg, South Africa.
Mwencha, E (2009) ‘Small scale farmers crucial in African economic growth’, paper presented at the Comprehensive African Agriculture Development Program Day, 27 June, Tripoli, Libya.
Cracknell, D. et al. (2008) ‘Opportunity International Bank of Malawi Deposit Mobilization Review’, MicroSave Africa.
DMS (2009) Annual Reports 2008–2009, Deepening Malawi's Microfinance Sector Project, Chemonics International, USA.
Joseph, M. (2009) ‘Why mobile money transfer’, paper presented at Mobile Money Transfer conference, 5–7 May 2009, Johannesburg, South Africa.
Mwencha, E (2009) ‘Small scale farmers crucial in African economic growth’, paper presented at the Comprehensive African Agriculture Development Program Day, 27 June, Tripoli, Libya.
Cracknell, D. et al. (2008) ‘Opportunity International Bank of Malawi Deposit Mobilization Review’, MicroSave Africa.
DMS (2009) Annual Reports 2008–2009, Deepening Malawi's Microfinance Sector Project, Chemonics International, USA.
Joseph, M. (2009) ‘Why mobile money transfer’, paper presented at Mobile Money Transfer conference, 5–7 May 2009, Johannesburg, South Africa.
Mwencha, E (2009) ‘Small scale farmers crucial in African economic growth’, paper presented at the Comprehensive African Agriculture Development Program Day, 27 June, Tripoli, Libya.
Cracknell, D. et al. (2008) ‘Opportunity International Bank of Malawi Deposit Mobilization Review’, MicroSave Africa.
DMS (2009) Annual Reports 2008–2009, Deepening Malawi's Microfinance Sector Project, Chemonics International, USA.
Joseph, M. (2009) ‘Why mobile money transfer’, paper presented at Mobile Money Transfer conference, 5–7 May 2009, Johannesburg, South Africa.
Mwencha, E (2009) ‘Small scale farmers crucial in African economic growth’, paper presented at the Comprehensive African Agriculture Development Program Day, 27 June, Tripoli, Libya.
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