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The Efficiency of Multi-Tier Savings and Credit Cooperatives in Developing Countries

A Study Based on Empirical Research in West Africa


Marcel Gounot

Contents: Multi-tier savings and credit cooperatives in developing countries – The rural financial market as business potential – Empirical case study: low outreach in spite of attractive products; deficits in the cooperative superstructure; unprofitable customer relations – Are multi-tier savings and credit cooperatives capable of reform? – Increasing efficiency by optimising the connection between grass-roots autonomy, central control and external monitoring – Recommendations for development cooperation.