This book shows in a step-by-step fashion how to mobilise savings to create more stable and robust MFIs and financial markets. However, it also made clear that not all MFIs should engage in savings operations. Any MFI that cannot assure the safety of deposits made with them has no business raising savings from the public. Topics covered in the book include:

• Institutional preconditions: testing readiness and achieving sustainability
• Savings product management
• Product development and marketing: meeting the local demand
• Costing savings mobilisation and ideas for lowering costs

1. Management evaluation
2. Calculating interest on savings
3. Evaluation of internal control in the deposit cycle
4. Introduction to liquidity and asset-liability management
5. Monitoring and projecting cash flow
6. Calculating the net margin
7. Risk analysis in savings mobilisation
8. Profit and loss simulation model
9. Creating a marketing campaign
10. Guide to designing surveys
11. Model surveys
12. Calculating the costs of savings mobilisation