Also, this case study attempts to investigate whether or not TSKI moved away from its objective to reach the poor as it shifted to offering savings deposits.
Figure 1 depicts the change in ROA when TSKI did not offer savings to the period when it did offer savings.
From 1998-2002, when TSKI did not offer savings, its average ROA was -3.
Figure 2 depicts the change in Operational Self-Sufficiency when TSKI did not offer savings to the period when it did offer savings.
ROA's change of signs demonstrates that TSKI transitioned from earning a negative return on its assets to a positive return on its assets once it switched to offering savings deposits.
Next, this case study investigates whether TSKI began to move away from the poorest as it expanded its service offerings to include savings.