Consumption smoothing saving in youth for future retirement

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Reference no: EM133578692

Questions

1. Savings can replace a client need for insurance products.

True

False

2. According to the reading, why did microfinance banks lead with loans instead of savings?

a. Clients did not want to save money

b. Regulatory restrictions on MFIs that did not allow them to collect savings deposits

c. All of the these are true

d. Clients already had savings accounts and did not need them

3. SafeSave of Dhaka is an example of a high frequency saving model solution.

True

False

4. Which of the following are alternatives to formal savings accounts according the Handbook? Select all that apply.

a. Jewelry

b. Informal deposit collector

c. ROSCAs

d. Livestock

5. Consumption smoothing by saving in youth for future retirement is an example of:

a. High-frequency savings model

b. Low-frequency savings model

c. Transient income

d. None of these

6. Ideally, your marginal utility today will be equal to your marginal utility in the future adjusted for the time value of money, or

MUt = (1+r) / (1+δ) Et [MUt+1]

True

False

7. A field research data shows the following marginal utility result: MUt = (1+r) / (1+δ) Et [MUt+1]+ λt+1 What can explain the presence of λt+1?

a. Lack of savings products available to smooth income over time

b. Multiple microloan providers in the region

c. None of these

d. Mandatory savings for clients at microfinance banks

8. Moral hazard is not present for insurance products.

True

False

9. Which of the following are included in a "minimalist approach" to microfinance services according to the Handbook?

a. Basic business training (such as bookkeeping or marketing)

b. Working capital loan

c. Education services

d. Provision of credit insurance

10. Mandatory savings which cannot be accessed by microloan clients until repayment can be seen as collateral or a fee for services.

True

False

Reference no: EM133578692

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