+ All Categories
Home > Documents > CMSC Delivery

CMSC Delivery

Date post: 06-Jul-2018
Category:
Upload: lorefy
View: 234 times
Download: 0 times
Share this document with a friend

of 15

Transcript
  • 8/17/2019 CMSC Delivery

    1/15

     

    Community-managedCommunity-managedsavings and creditsavings and credit

    associations associations 

    CoMSCAs: How they workCoMSCAs: How they work

    and the training system and the training system 

  • 8/17/2019 CMSC Delivery

    2/15

    How does A oMS A Work

    ow does A oMS A Work

     

    – The K it

    he K it

  • 8/17/2019 CMSC Delivery

    3/15

    How does A oMS A

    ow does A oMS A

    Work –

    ork –

     Starting Baances

    tarting Ba ances

  • 8/17/2019 CMSC Delivery

    4/15

    How does A oMS A

    ow does A oMS A

    Work –

    ork –

     Share Savings

    hare Savings

  • 8/17/2019 CMSC Delivery

    5/15

    How does A oMS A

    ow does A oMS A

    Work –

    ork –

     !oans

    oans

  • 8/17/2019 CMSC Delivery

    6/15

    How does A oMS A

    ow does A oMS A

    Work –

    ork –  "nding Baances

    nding Baances

  • 8/17/2019 CMSC Delivery

    7/15

    How does A oMS A

    ow does A oMS A

    Work

    ork

    #o

    o

    !edgers$ $

    edgers$ $

  • 8/17/2019 CMSC Delivery

    8/15

    Th e oMS A %eivery

    he oMS A %eivery

    System

    ystem

    • PreparatoryPreparatory

    PhasePhase

    • Training andTraining and 3- 3- 

    Stage Follow- Stage Follow- 

    up Phaseup Phase

    • Graduation/Graduation/

     Action Audit  Action Audit 

  • 8/17/2019 CMSC Delivery

    9/15

    &re'aratory

    re'aratory

    ( - ) Weeks ( - ) Weeks  

    •Orientation of Community eaders andOrientation of Community eaders and Administration Officials Administration Officials

    • !ntroduction of Co"SCA to the!ntroduction of Co"SCA to the

    CommunityCommunity

    • Preliminary "eeting with ClusteredPreliminary "eeting with Clustered

    Groups of Potential ParticipantsGroups of Potential Participants

  • 8/17/2019 CMSC Delivery

    10/15

    Training

    raining * Sessions in ( year * Sessions in ( year 

    • Groups# leadership $Groups# leadership $

    electionselections• Social fund# sa%ings $ creditSocial fund# sa%ings $ credit

     policies policies

    • Go%ernance/ConstitutionGo%ernance/Constitution

    • &ecord-'eeping and meeting&ecord-'eeping and meeting

     procedures procedures• First share-purchase/sa%ingsFirst share-purchase/sa%ings

    ()y end of wee' *+()y end of wee' *+

    • First loan dis)ursementFirst loan dis)ursement (wee'(wee',+,+

    • First loan repaymentFirst loan repayment (wee'(wee'.+.+

    • Optional daily slot sa%ingsOptional daily slot sa%ings(wee' +(wee' +

    • Share-out/action-auditShare-out/action-audit (end of(end of

    cycle+cycle+

  • 8/17/2019 CMSC Delivery

    11/15

    &hases ( – ):

    hases ( – ):

    Su'ervision

    u'ervision

    +,-. Weeks+,-. Weeks/a''ro0imatey1 /a''ro0imatey1 

    •!ntensi%e!ntensi%e* wee's* wee's

    • 0e%elopment0e%elopment1 wee's1 wee's

    • "aturity2 Action-audit"aturity2 Action-auditand graduationand graduation

    1 wee's1 wee's

  • 8/17/2019 CMSC Delivery

    12/15

    Moving to Sca e and

    oving to Scae and

    Kee'ing it hea' –

    ee'ing it hea' –

     

    "voution

    voution

    (

    %irect % eivery

    irect %eivery

     

    (2*.-.. staff/mem)er(2*.-.. staff/mem)erratio+ratio+

    2

    3ndirect %eivery / oM S A Age nt1ndirect %e ivery / oMS A Agent1

     super%ised and paid )y implementingsuper%ised and paid )y implementingorganisation (2..-#... agent/mem)erorganisation (2..-#... agent/mem)erratio+ratio+

    )

      oMS A Agent in a 4ree m arketoMS A Agent in a 4ree m arket

     earnsearnsfees for ser%ice# paid )y groups (2 .-.fees for ser%ice# paid )y groups (2 .-.agent/mem)er ratio+agent/mem)er ratio+

    +

    S'ontaneous 5e'ication

    'ontaneous 5e'ication

     

    4uasi-informal 4uasi-informal 

  • 8/17/2019 CMSC Delivery

    13/15

      oMS A:

    oMS A:

    6inancia

    inancia

    services

    ervices

     needs onsensus

    eeds onsensus

    • 0eepen outreach to poorest 0eepen outreach to poorest 

    • Smaller# short-term loansSmaller# short-term loans

    • ife/health insuranceife/health insurance

    • Fle5i)le mem)ership and lending policiesFle5i)le mem)ership and lending policies

    •O%erlapping community and economicO%erlapping community and economicstrengthening strengthening 

  • 8/17/2019 CMSC Delivery

    14/15

      oncusions

    oncusions

    • Co"SCA programmes reach the rural poorCo"SCA programmes reach the rural poorand ur)an %ery poor and ur)an %ery poor 

    •Co"SCA programmes can reach %ery largeCo"SCA programmes can reach %ery largescale in poor# remote areas and ur)an slumsscale in poor# remote areas and ur)an slums

    • Co"SCA respond to people6s needs forCo"SCA respond to people6s needs foruncomplicated# sustaina)le and accessi)leuncomplicated# sustaina)le and accessi)le

    financial ser%icesfinancial ser%ices

    • Co"SCA has an effect on li%elihood securityCo"SCA has an effect on li%elihood securitythat is disproportionate to the in%estmentthat is disproportionate to the in%estmentcostscosts

  • 8/17/2019 CMSC Delivery

    15/15

      oncusions

    oncusions

    • !t is popular# )ecause the sa%ings focus )uilds!t is popular# )ecause the sa%ings focus )uildsassets and )ecause it pro%ides creditassets and )ecause it pro%ides creditP&OPO&T!O7AT8 to need and capa)ility P&OPO&T!O7AT8 to need and capa)ility 

    • !t is easy to replicate!t is easy to replicate

    • !t is not necessary to create an "F! to!t is not necessary to create an "F! toimplement and can easily )e integrated into aimplement and can easily )e integrated into anon-financial ser%ices programmenon-financial ser%ices programme

    • ong-term programme costs are low comparedong-term programme costs are low comparedto those for a standard credit-granting "F! (.- to those for a standard credit-granting "F! (.- *.9+*.9+

    • Super%ision:: Super%ision:: Super%ision:: Super%ision:: Super%ision:: Super%ision:: 


Recommended