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Is There a Performance Difference Between Youth & Adult Savings Groups?

Is There a Performance Difference Between Youth & Adult Savings Groups?. Evidence from MIS data John Schiller Plan International – West Africa Investing in African Youth Conference May 22, 2012 Dakar, Senegal. Plan of the Presentation. The sources of information

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Is There a Performance Difference Between Youth & Adult Savings Groups?

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  1. Is There a Performance Difference Between Youth & Adult Savings Groups? Evidence from MIS data John Schiller Plan International – West Africa Investing in African Youth Conference May 22, 2012 Dakar, Senegal

  2. Plan of the Presentation • The sources of information • Comparison: youth SGs against the general population • Some conclusions • Q&A and discussion

  3. Savings Groups MIS An Excel-based spreadsheet that depends on 23/24 elements of data generated by individual SGs. It provides performance results on individual SGs and summarizes results by Field Officer/Zone and for the whole project. An aggregator tool allows up to 150 projects to be consolidated into 1 report. A function allows the user to create up to 17 user-defined indicators to track other things.

  4. What the MIS Can Tell Us • Program outreach & profile of groups • Financial performance of groups • Some financial performance of individual members. E.g. • Average savings • Average loan size • Average profit • Efficiency of the implementing agency • Expresses results in 16 international ratios and converts local currency to external ones • BUT … nothing on impact

  5. Savings Groups Information Exchange (SAVIX) A web data base for community-based microfinance groups that use the SG MIS At the moment contains 150 projects representing 1.7 million members & is updated quarterly Gives data for 26 indicators on individual or groups of projects An analysis function allows identification of comparisons and trends

  6. SG Member Population Size

  7. SG Member Profile

  8. SG Financial Performance: Balance Sheet (USD)

  9. SG Financial Performance:Savings (USD)

  10. SG Financial Performance:Loans (USD)

  11. SG Financial Performance:Earnings

  12. Project Efficiency

  13. Conclusions Youth groups do perform differently than adult groups although country context strongly influences performance • SG profile is fairly similar to adults’ although slightly smaller groups and more irregular attendance at meetings • SG resources are naturally more limited, but SLE near the low range of adult group asset levels

  14. Conclusions (cont…) • Same average propensity for savings over loans as worldwide, but much stronger savings tendency in NER & SEN. However SLE able to mobilize significant savings to fund strong loan demand • Overall average tendency to borrow, although weak in NER and strong in SLE

  15. Conclusions (cont’d…) • Annualized returns match global norm although SEN pulls up NER and SLE • It’s more expensive to work with youth, but cost calculation needs more rigor

  16. Q&A Discussion Thanks for your participation!

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