Bosnia

Case Studies CGAP's Country Level Savings Assessment Marketing for Trust Case Study Microcredit Organizations and Savings Mobilization in Bosnia and Herzegovina Legal and Regulatory Environment for Microfinance in Bosnia and Herzegovina

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Country Facts

General Approach to Regulating
Based on the Comparative Database on Microfinance Regulation by the IRIS Center of the University of Maryland

	Microcredit Organizations	Commercial Banks
Definition or description of institution	Non-deposit and non-profit organizations whose basic activity is the provision of microcredit	Institutions that offer financial services, intermediation, loan facilities, and savings services
Guidelines & restrictions on financial Services	Extending microloans through non-profit and non-deposit taking institutions Law on Microcredit Organisations (Number 01-350/2000)	Receiving money deposits and extending credits, including microcredit Non-deposit and non-profit institutions are not covered under this law. Law on Banks for the Federation of Bosnia and Herzegovina

Case Studies

CGAP’s Country-Level Savings Assessment

This report analyzes factors impeding or facilitating the supply of savings services for low-income people, at four levels of the financial system – clients, micro, meso and macro (see the Savings Assessment tool methodology. Within the piece is a box on page 8 that contain a short case study about MIKRA, an organization that mobilizes savings through collective groups.

Marketing for Trust Case Study – “Building Trust Where Financial Institutions Have Failed”

Part of the SIRC Case Study series, this short piece is a practical description of how ProCredit Bank has managed to gain client trust and mobilize savings in the aftermath of bank failures in Bosnia.

Microcredit Organizations and Savings Mobilization in Bosnia and Herzegovina
By Monica Lindh de Montoya and James Kent McNeil
Financial Sector Business Advocacy and Training, 2003

The goal of this assessment was to determine 1) whether a demand for deposit services exists in the markets served by the microcredit organizations (MCOs), and 2) how deposit services could be offered through the transformation of MCOs. Using surveys, interviews, and focus groups, the study finds that a demand for savings services exists in the lower-income market that will unlikely be satisfied by the banking sector. The article goes on to explore how such services could be offered and what kinds of changes would be necessary for MCOs.

Also see:

Legal and Regulatory Environment for Microfinance in Bosnia and Herzegovina
A Decade of Evolution and a Prognosis for the Future
By Timothy Lyman