The Development Initiative for Northern Uganda (DINU), a Government of Uganda initiative with support from European Union, supervised by the Office of the Prime Minister is being implemented by a consortium led by CARE Denmark. The program is being implemented in the Karamoja sub region (covering 11 districts) as well as Kitgum and Katakwi districts. CARE Denmark commissioned gap analysis for Y/VSLA linkage to identify interventions aimed at contributing to improved access to credit through community saving and credit schemes.

The objectives of the study included gap analysis of Y/VSLAs, linkage readiness assessment for mature Y/VSLAs and evaluation “digital readiness” of group members. A representative sample of 773 Y/VSLAs from drawn from all the project districts were covered the study. The sample was classified in three categories: Mature groups totalling 350 (45.3%) Mature and ready for Linkage groups, 390 (50.5%) and Watch Category/Maturing groups and 33 (4.3%)

The analysis revealed that the gaps identified in Mature and Ready-for-linkage Y/VSLAs were closely similar to those in Watch Category (Maturing Groups) category and required more or less similar interventions.