6.7 Bank Linkages through Mobile Phones 162 6.8 Banks as Facilitators 163 6.9 Individuals as Facilitators 164 6.10 Self-Help Groups: A Holistic View 166 6.11 Financial Service Associations in Kenya 167 7.1 Reflections on Member-Owned Financial Service Provision 176 7.2 Transformation from an NGO to a Deposit-Taking Institution 179 7.3 NBFIs in India 180 7.4 Grupo Elektra and Banco Azteca in Mexico 181 7.5 Patrimonio Hoy: Housing Microfinance That Addresses Market Opportunities 182 7.6 Rural and Community Banks in Ghana 183 7.7 Post Office Banks in India 184 7.8 Increased Financial Inclusion through Postal Savings Banks 185 7.9 Privatization: The Experience of Khan Bank in Mongolia 187 7.10 Bank Rakyat Indonesia 187 7.11 Subsidiary Model in Practice: ACCION-Ecobank Partnership 188 7.12 Microfinance Networks and Commercial MFIs 189 7.13 Linking Different Types of Institutions 191 7.14 Allianz in West Africa 193 7.15 Western Union and MoneyGram 194 8.1 Savings Patterns in India 201 8.2 Savings Constraints and Microenterprise Development: Evidence from Kenya 202 8.3 Inspiring Trust 204 8.4 Savings Services—Not Only about Products 206 8.5 Saving for Education 208 8.6 Borrowing to Save 208 8.7 Nicaragua—Promoting Agriculture Savings 209 8.8 Grameen’s Deposit Pension Scheme (GPS) 210 9.1 Islamic Finance in Practice 216 9.2 The Flat-Rate Method 219 9.3 Declining Balance Method 220 9.4 Equating Declining Balance and Flat-Rate Methods 221 9.5 The Effect of a Change in Loan Fees and Loan Terms 223 9.6 Financing Education through Human Capital Contracts 225 9.7 Cow Leasing 226 9.8 Affordable Housing in Ghana 228 10.1 The DrumNet Project 238 10.2 Factoring to Support Agriculture 240
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