Abakaeva, JuliaGlisovic-Mezieres, Jasmina2012-08-132012-08-132009-06https://hdl.handle.net/10986/9494Poor people save. The conventional view is that low-income depositors transact more frequently than holders of larger accounts and are more prone to income disruptions from natural disasters, health issues, crime, and other factors. This perception makes financial institutions stepping into the under-served low-income space worry about whether they can use small deposits to fund their lending operations. But new research finds that under normal circumstances, aggregate balances for low-income accounts move gradually, and they are not prone to abrupt month-by month swings. This should make liquidity management easier because it gives the institutions enough time to adjust to changes in deposit supply over several months.CC BY 3.0 IGOASSETSBANK INDONESIABANKSCHECKSCOMMERCIAL BANKCONSUMER PRICE INFLATIONCREDIT BANKCURRENT ACCOUNTSDEMAND DEPOSITSDEPOSITDEPOSIT BALANCESDEPOSIT PRODUCTSDEPOSIT VOLUMESDEPOSITORDEPOSITORSDEPOSITSDEVELOPING COUNTRIESEUROPEAN CENTRAL BANKFINANCIAL INSTITUTIONSFINANCIAL MARKETSFINANCIAL TRANSACTIONSINCOMEINFLATIONINTEREST COSTINTEREST RATESLIABILITYLIABILITY MANAGEMENTLIQUIDITYLIQUIDITY CRISISLIQUIDITY MANAGEMENTLOANLONG-TERM LOANSMFISMICRO-ENTERPRISEMICROFINANCEMICROFINANCE INSTITUTIONSNATIONAL BANKNATURAL DISASTERNATURAL DISASTERSPOLITICAL TURMOILPORTFOLIOREFERENDUMREGULATORREPUTATIONSAVINGSSAVINGS ACCOUNTSSAVINGS DEPOSITSSAVINGS PRODUCTSSOURCE OF FUNDSSOURCES OF FUNDSSTATE BANKSTATE BANK OF PAKISTANTAXTERM DEPOSITSTIME DEPOSITSTRANSACTIONVOLATILITYWorld Bank10.1596/9494