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Technical Guides

Model Law

Model Law for Credit Unions & Guide to International Credit Union Legislation

Credit unions have been important contributors to economic and social development for over 150 years in all regions of the world. The 2015 Model Law for Credit Unions provides a sample legislative framework to movement leaders, legislators, regulators and others in preparing and seeking approval of laws that will strengthen the safety and soundness of credit unions without imposing unreasonable regulatory burdens. The Model Law for Credit Unions can be considered an optimal legislative framework for a jurisdiction that is revising its credit union regulatory regime or starting from scratch.
The Guide to International Credit Union Legislation contains credit union legislative and regulatory summaries for over 100 countries and political provinces.

Model Law

Digital Finance

  • The Case for Bank-Led Mobile Adoption Strategies in Haiti
    The Case for Bank-led Mobile Adoption Strategies in Haiti presents four integration models, based on recent research studies, for financial institutions wishing to build a viable mobile banking strategy. It also includes an "Interoperability Cost Analysis Tool" that permits any financial institution to evaluate the specific investment cost and return on investment for each of the presented models.
    Report
    Interoperability Cost Analysis User Guide  (English | Français)
    Interoperability Cost Analysis Tool  (English | Français)
  • Haiti Mobile Money Business and Merchant Survey Results
    This document presents the findings of merchant research carried out in Haiti to better understand who the merchants are, their access to financial services and perceptions of mobile money, and potential operational "pain points" that could be overcome with mobile solutions. Although the research was primarily designed to capture information that financial institutions would need to design demand-driven mobile strategies and products for merchants, it can also be used by mobile network operators interested in enhancing or designing new merchant solutions.
    English | Français
  • Haitian Financial Institutions and the Path to Mobile Banking Solutions
    This report provides an introductory step-by-step methodology to help financial institutions analyze how and when to integrate mobile solutions into their existing business lines.
    English | Français

Savings Mobilization

Striking the Balance in Microfinance: A Practical Guide to Mobilizing Savings
Written by practitioners for practitioners, Striking the Balance in Microfinance will benefit a full array of microfinance players—MFIs, technical assistance providers, donors and policy makers. Any institution that is serious about mobilizing and protecting client savings should read and use this book.
Edited by Brian Branch and Janette Klaehn

Toolkit

  1. Management Evaluation Jesus R. Chavez
  2. Calculating Interest on Savings Jesus R. Chavez
  3. Evaluation of Internal Control in the Deposit Cycle Mónica Valenzuela Bravo
  4. An Introduction to Liquidity and Asset-liability Management Monnie M. Biety
  5. Monitoring and Projecting Cash Flow Hector Noriega
  6. Calculating the Net Margin Hector Noriega
  7. Risk Analysis in Savings Mobilization Nelson Aldana Arroyo
  8. Profit and Loss Simulation Model José Linares Fontela
  9. Creating a Marketing Campaign Gerardo Morales
  10. A Guide to Designing Surveys José Linares Fontela
  11. Model Surveys Gerardo Morales
  12. Model Surveys Juan Altamirano Obregón
  13. Calculating the Costs of Savings Mobilization David C. Richardson and Oswaldo Oliva V.

Value Chain Finance

  • WOCCU's Value Chain Finance Implementation Manual
    This document is a guide for financial institutions, development finance organizations and donors interested in gaining a better understanding of value chain finance and how to integrate it into their product mix. It presents a basic model for implementing value chain finance based on WOCCU’s award-winning program in Peru.
    Produced with The SEEP Network
  • Technical Guide: Integrated Financing for Value Chains
    Focuses on WOCCU's program implementation in Peru and Kenya.
    Jennifer Bernhardt, Stephanie Grell Azar and Janette Klaehn
    April 2009

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