Como as instituições microfinanceiras Moçambicanas podem incrementar o volume de poupanças captadas :caso de vendedores na cidade de Maputo - Ano de 2006

Abstract

In order to assess the extent to which Mozambican Microfinance Institutions (MFIs) can increase their volume of deposits through savings from market sellers in the city of Maputo, 270 market sellers were surveyed, among importers (aka mukeristas). ) non-travellers from the Malanga market and street vendors. On the one hand, to obtain information regarding the services provided and the strategies used by the MFIs, a questionnaire was applied to the institutions that are operating in the market, namely: NOVOBANCO, S.A.R.L. (now BANCO PROCREDIT, S.A.R.L); SOCREMO - Microfinance Bank, S.A.R.L.; TCHUMA - Credit and Savings Cooperative, S.C.R.L. and Banco Oportunidade de Moçambique, S.A.R.L. (GOOD). On the other hand, to obtain information about the existing markets and the respective number of vendors that make up each market, the Municipal Council of Maputo City was used. The research led to the following conclusions: The total monthly savings volume of the selected markets is 11,835,646 MZN, including street vendors; the Praça dos Combatentes and Xipamanine markets, which present the highest volumes of total savings. It was also found that, among sellers, those who save the most are young males and singles. It was found that only 2% of sellers resort to MFIs to make deposits, going to commercial banks when they want services from a formal institution. Sellers show a preference for channeling their savings to informal mechanisms, with xitique occupying the first position raising 29% of the total volume of savings existing in the markets. It was also found that sellers claim as reasons for not opening a savings account in an MFI, respectively: the lack of trust in these institutions; the lack of identity documents; Of money; of time; of interest; the excess of bureaucracy; among others. The recommendations were as follows: First, MFIs should study the possibility of creating new products in line with the primary purposes of sellers' savings with the aim of encouraging them to open a savings account; and Second, MFIs should study the possibility of carrying out a more “aggressive” marketing strategy (such as: television advertising spots; radio and the use of leaflets) to attract more customers (in this specific case, salespeople). The marketing strategy should focus especially on young males and singles as these are the ones who save the most. (TRADUÇÃO NOSSA)