Papers about and from German Sparkassenstiftung:

Working Paper on the Importance and Impact of Digital Technologies for Financial Inclusion in the East African Microfinance Sector

Working Paper on the Importance and Impact of Digital Technologies for Financial Inclusion in the East African Microfinance Sector 

This working paper serves as a basis for guiding the digitalisation-related project activities and focuses on the characteristics and specifics of digitalisation in the African microfinance sector. The first part of the paper highlights the relevance of digitalisation, advantages and specific hurdles; provides a market and trend analysis; and examines sustainability in the context of digitalisation as well as the impact of digitalisation on the business models of Microfinance Institutions/Savings and Credit Cooperative (MFIs/SACCOs). The available studies are evaluated and discussed. The second part of the paper provides a summary of the digital surveys conducted through DSIK in Eastern Africa and highlights the level of digital readiness and the associated project implications. 

Global green finance products, services and programs in rural areas – 10 Case Studies

Global green finance products, services and programs in rural areas – 10 Case Studies 

Study of good practices and lessons learned on successful green finance products, programs and services in rural areas around the world. The work was carried out by the consulting firm MicroEnergy International and summarizes 10 case studies with replication potential in the Mexican rural sector.

Essay: Cathleen Tobin, International Senior Women in Business Financing Expert ("Women in Business"-Project Central Asia), former director Women World Banking

Study: Peru "Financial Eduaction" in Primary School 2020 (Spanish)

Study: Armenia Financial Literacy for Migrants: Mapping and Needs Assessment 2020

Study Financial Capability of the population of Armenia 2019

Study Financial Inclusion of Refugess and Host Communities in Turkey 2019

Study: Mexico Digitalization and financial inclusion (Spanish)

Lernwert - financial literacy in the trialogue

Life can be managed better, if you know how to handle your personal finances. That is why financial literacy is so important. It strengthens the economic participation of the public at large and decisively contributes to financial market stability.

With the help of the consumer advisory service Geld und Haushalt (Money and Private Households), the Sparkassen-SchulService (Savings Banks School Service) and the Sparkassenstiftung für internationale Kooperation (Savings Banks Foundation for International Cooperation), the German Sparkassen-Finanzgruppe (Savings Banks Finance Group) is enduringly committed to sustainable financial education. It supports financial literacy activities in schools and out of schools and promotes the transfer of knowledge to other countries.

In the freshly published image brochure, the three institutions of the Sparkassen-Finanzgruppe present themselves and their commitment to financial literacy.

Brochure Lernwert

Study: From Microfinance to Inclusive Banking - Why local banking works

Das Modell Sparkasse rechnet sich nachweislich – es ist nachhaltig, da es soziale und ökonomische Aspekte ausbalanciert. Ist dieses nachhaltige Modell generell übertragbar? Inwieweit sind Erfolgsfaktoren, Strukturen und Konzepte des Modells Sparkasse auf Entwicklungs- und Schwellenländer übertragbar? Unter welchen Umständen können die Erfolgsfaktoren wirksam werden? Und schließlich: Können hieraus Schlussfolgerungen für die Gestaltung entwicklungspolitischer Maßnahmen gezogen werden? Diesen Fragen geht die von der Sparkassenstiftung für internationale Kooperation in Auftrag gegebene Studie nach, deren Ergebnisse in das Buch "From Microfinance to Inclusive Banking - Why local banking works" eingeflossen sind und Organisationen der Entwicklungszusammenarbeit (weltweit) zu Gute kommen sollen.

Verfasser des Werkes sind drei namhafte Professoren: Prof. Hans Dieter Seibel (European Microfinance Platform), Professor Paul Thomes (RWTH Aachen) und Prof. Schmidt (ehem. Goethe Universität Frankfurt).

Das Buch From Microfinance to Inclusive Banking" ist erhältlich über den WILEY-VCH Verlag, ISBN: 978-3-527-50802-0 (in englischer Sprache).

TYM Impact Assessment 2012 – A case study-based approach to understanding the hows and whys

This study was commissioned to evaluate how and why socio-economic changes occur to clients of TYM, a partner institution of Sparkassenstiftung. Through the use of detailed case studies, the study investigates how and why microfinance works for some clients and why it does not work for others.

2012_TYM_Impact_Assessment_Sparkassenstiftung.pdf (pdf, 1.1 MB)

Large Village Savings and Credit Groups in Vientiane Capital, Laos – Roadmap scenarios for a sustainable future

This study develops and analyses the various options to ensure the continued existence and operation of sustainable village savings and credit groups in Laos and their future institutional development. In addition, possible scenarios are described how these institutions could comply with the legal framework pertinent to the microfinance sector in Laos including the critical path towards this outcome.

Laos_Village-Banks_Study.pdf (pdf, 449 kB)

Study: Partnerinstitutionen als Wissenvermittler

Im Rahmen der vorliegenden Studie werden Erfolgsfaktoren bestimmt, um folgender Frage nachzugehen: Was befähigt die unterschiedlichen Typen von Partnerinstitutionen, erfolgreich und eigenständig als Wissensvermittler (zusätzlich zu Ihrem Kerngeschäft) aufzutreten? Folglich wird die langfristigen Entwicklung von Partnerinstitutionen als Wissensvermittler analysiert. Dafür hat die Sparkassenstiftung drei verschiedene Institutionstypen in sechs Ländern ausgewählt: Verbände (Peru, Mexiko), Trainingsinstitute (Russland, Aserbaidschan) sowie Mikrofinanzinstitutionen,die andere MFIs beraten (Philippinen, Vietnam). Die Erkenntnisse können dazu beitragen, Design und Planung von ähnlich gelagerten Kooperationsvorhaben zu verbessern und voneinander zu lernen.

Partnerinstitutionen_Studie.pdf (pdf, 643 kB)

Financial literacy – a comparative study in selected countries

Financial literacy is not only an issue for industrialised nations; it is even more important for developing and transformation countries. When combined with other measures of development cooperation, financial literacy can essentially contribute to combating poverty.

 Financial_Literacy_Study.pdf (pdf, 370 kB)

Deutsche Sparkassenstiftung für internationale Kooperation e.V.
Simrockstraße 4, 53113 Bonn

Phone: +49 228 9703-0
Fax: +49 228 9703-6613 or -6630

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