Abstract

Savings are an indispensable resource for Microfinance Institutions (MFIs). They must mobilise sufficient savings to meet their commitments and become independent from grants providers. They must therefore convince customers, which in this paper include the public in general and micro and small-sized enterprises, to entrust their savings. This requires an understanding of these customers’ characteristics, as well as their needs and expectations. This leads us to the following research question: what are the factors affecting customers’ decision to save with a MFI? The analyses conducted with Advans Cameroon customers show that the Customer life cycle, the MFI characteristics and the MFI–Customer relationship have a direct influence on the decision to save. Specifically, age and revenue have a positive influence on savings. Conversely, the number of person in charge negatively affects savings. An increase in the number of branches leads to an increase in savings, while services quality are very important.

摘要

对于小额信贷机构来说，储蓄是必不可少的资源。他们必须动员足够的储蓄来履行自己的承诺，并独立于赠款提供者。因此，他们必须说服客户（在本文中包括一般公众以及微型和小型企业）委托他们的储蓄。这需要了解这些客户的特征以及他们的需求和期望。这导致我们提出以下研究问题：哪些因素会影响客户使用MFI进行储蓄的决定？与Advans喀麦隆客户进行的分析表明，客户的生命周期，MFI特征以及MFI与客户的关系直接影响储蓄决策。具体来说，年龄和收入对储蓄有积极影响。反过来，负责人的数量会对储蓄产生负面影响。分支机构数量的增加导致储蓄的增加，而服务质量非常重要。