Poor people often save money using unconventional methods, such as christmas saving clubs, or other so-called "hawa groups". Those groups offer a simple and easy way to save, but the arrangements are usually completely informal and unregulated. Therefore the government as well as the banks will have to put more effort in convincing the less fortunate to use a savings account in order to reduce the risk for them to lose the little money they save. One big player in the financial market, Citibank, has already understood the message and has invested billions in designing new products for the financially marginalised people... and it's paying off. (The Guardian)Bram Van Hijfte
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