savings groups
Executive Summary – Curiosity Collective II: Are VSLA feminist platforms for gender transformation?
Report Length -3
This executive summary draws on the findings from Curiosity Collective II, a study conducted in early 2020 in West Africa, with a focus on the gender-transformative potential of Village Savings and Loan Associations (VSLAs). The research evaluates how VSLAs can be a platform for challenging patriarchal structures that normalize violence and discrimination against women and girls. It applies CARE's Gender Equality Framework, which operates across three domains: Agency, Relations, and Structure. Over six days, the study assessed 13 VSLAs (both women-only and mixed groups) across Niger and Côte d'Ivoire, engaging local NGOs and feminist groups to explore VSLAs' roles in promoting gender transformation.
The study offers key recommendations, such as developing gender-based measurement tools, investing in women-only VSLA groups, integrating GBV risk mitigation, and engaging men and boys to challenge patriarchal norms. Additionally, it advocates for linking VSLA women to local women’s rights organizations to enhance political participation and addressing exclusion by adapting VSLAs to include marginalized groups such as LGBTQ+ individuals and survivors of violence. Read More...
This executive summary draws on the findings from Curiosity Collective II, a study conducted in early 2020 in West Africa, with a focus on the gender-transformative potential of Village Savings and Loan Associations (VSLAs). The research evaluates how VSLAs can be a platform for challenging patriarchal structures that normalize violence and discrimination against women and girls. It applies CARE's Gender Equality Framework, which operates across three domains: Agency, Relations, and Structure. Over six days, the study assessed 13 VSLAs (both women-only and mixed groups) across Niger and Côte d'Ivoire, engaging local NGOs and feminist groups to explore VSLAs' roles in promoting gender transformation.
The study offers key recommendations, such as developing gender-based measurement tools, investing in women-only VSLA groups, integrating GBV risk mitigation, and engaging men and boys to challenge patriarchal norms. Additionally, it advocates for linking VSLA women to local women’s rights organizations to enhance political participation and addressing exclusion by adapting VSLAs to include marginalized groups such as LGBTQ+ individuals and survivors of violence. Read More...
Curiosity Collective II : Are VSLA feminist platforms for gender transformation?
CARE has worked with Village Savings and Loans Associations (VLSAs) since 1991. Their success has been primarily measured, since then, in terms of women’s economic agency. However, there is evidence that VSLAs have broader impacts, particularly in relation to gender equality for women and
girls. To date, there has still been little consistent investment in capturing these gender transformational impacts such as how VSLAs have promoted women’s dignity, women’s voice, challenged gender stereotypes and dismantled patriarchal power dynamics; all of which are changes CARE seeks in its gender equality framework.
This paper focuses on the gender transformative aspects of the VSLAs. It explores how VSLAs can be a platform to challenge patriarchal structures that discriminate against and normalize violence against women and girls. It builds on a Meta Evaluation, Curiosity Collective I carried out by the West Africa region Read More...
girls. To date, there has still been little consistent investment in capturing these gender transformational impacts such as how VSLAs have promoted women’s dignity, women’s voice, challenged gender stereotypes and dismantled patriarchal power dynamics; all of which are changes CARE seeks in its gender equality framework.
This paper focuses on the gender transformative aspects of the VSLAs. It explores how VSLAs can be a platform to challenge patriarchal structures that discriminate against and normalize violence against women and girls. It builds on a Meta Evaluation, Curiosity Collective I carried out by the West Africa region Read More...
Curiosity Collective : Evidence of Social Changes for Women in Savings Groups
CARE has been working with Village Savings and Loan Associations (VSLA) since it first launched the model in Niger in 1991. Over the years, VSLAs have reached more 7.6 MILLION members to form 357,000 groups in 51 countries. 81% of these members are women.
The economic impacts of the groups are well documented. Women and men in VSLA groups save between an estimated $400 and $700 million each year. In West Africa, 3.2 million women participate in VSLA. The savings and credit can be transformational, helping women start businesses, pay school fees, and access emergency loans when they have a crisis in the family. A randomized controlled trial of VSLAs conducted by Innovations for Poverty Action showed that VSLAs substantially increased women’s access to financial services, income, and ability to start businesses.
Perhaps more important, but less formally documented, is the impact that VSLAs have on women themselves, and the social fabric of their communities. Anecdotally, women themselves often point to increases in self-confidence, independence, and a greater belief in their own ability to change things in their lives, as the VSLA impacts that are most important to them. For example, one woman in Niger says, “[VSLA]1 has opened my eyes
and now I do not hide anymore and I speak a lot.”
Read More...
The economic impacts of the groups are well documented. Women and men in VSLA groups save between an estimated $400 and $700 million each year. In West Africa, 3.2 million women participate in VSLA. The savings and credit can be transformational, helping women start businesses, pay school fees, and access emergency loans when they have a crisis in the family. A randomized controlled trial of VSLAs conducted by Innovations for Poverty Action showed that VSLAs substantially increased women’s access to financial services, income, and ability to start businesses.
Perhaps more important, but less formally documented, is the impact that VSLAs have on women themselves, and the social fabric of their communities. Anecdotally, women themselves often point to increases in self-confidence, independence, and a greater belief in their own ability to change things in their lives, as the VSLA impacts that are most important to them. For example, one woman in Niger says, “[VSLA]1 has opened my eyes
and now I do not hide anymore and I speak a lot.”
Read More...
Rapid Gender Analysis VSLA in Emergencies Group Investment Phase
Since (2020), CARE Türkiye has supported community members in Northwest Syria, predominantly women, through VSLAs to facilitate women’s access to finance, support their economic empowerment, build resilience and social and economic solidarity. To enhance the sustainability of VSLA groups in Northwest (NW) Syria, CARE launched the new investment approach in December 2023. The collective investment supported 39 VSLA groups out of 98 groups consisting of 720 members (627 women) to engage in group investment to expand their business activities and income. To understand the gendered dimension of the investment approach to assess gender power dynamics, community perceptions, constraints, opportunities, and needs, CARE conducted its Rapid Gender Analysis (RGA) in May 2024. The RGA targeted VSLA members in the collective investment activities and VSLAs who have not yet been targeted in the activities to assess the different outcomes among the two groups. Seventy-four female respondents participated in the Focus Group Discussions and interviews. Read More...
Rapid Assessment of the FBMT Family Business Management Training
This rapid review was commissioned by CARE to evaluate the Family Business Management Training (FBMT) in Côte d’Ivoire using a qualitative approach.
The relevance of the FBMT in relation to the objectives of the W4C (Women for Change) program was analyzed by comparing the FBMT content and the evidence from the interviews with the objectives and indicators of the W4C logframe.
It becomes clear that the FBMT was most effective in increasing IGAs, balancing decision making and improving relationships. The effect of IGAs on household income not entirely clear yet. Access to the training is determined by participation in VSLAs. While this is not detrimental in the first place, potential entry barriers to VSLAs need to be kept in mind when scaling up.
For men the main challenges to participate in the FBMT are a perceived loss of power and possibly the available time to attend. Yet, those who participated were attracted by potential economic gains and finally recognized the advantages of improved relationships.
A mapping of training courses that are related to the FBMT and are applied in the W4C program revealed that the couple dialogues, the gender strategy interventions and FBMT overlap in some areas but the FBMT goes beyond the objectives of the other two courses. The IGA training courses, which are complementary to the FBMT, overlap with some of the contents of the FFBS1 (Farmer Field and Business School). The FFBS also overlaps with some of the FBMT contents on gender and also addresses the couple rather than just the women. However, it comprises of about double the number of training modules of the FBMT.
Training application is divided between technical advisors and field supervisors. This arrangement was not evaluated in detail but might not be the most effective and should be reviewed critically. The FBMT sustainably changed some of the behaviour of participating couples, confirming the sustainability of some of the effects of the training. The provision of the training still depends on external funding and cannot be considered fully sustainable yet. Change plans and their follow up by CARE staff are time consuming, resource intensive and might reduce the ownership of these plans by the couple that developed the plan.
The FBMT has been successful in changing household economies and relationships. Specifically the daily calendar, the income and expenditure tree and the prioritization of expenditures as practiced in the NEEDS and WANTS exercise have proven to be very effective. The perceived economic advantages of the training attract men eventually they discover the rewards of an improved relationship. The benefits of the FBMT have motivated some community members to spread its concepts to other households, which is as an opportunity for future programming. Read More...
The relevance of the FBMT in relation to the objectives of the W4C (Women for Change) program was analyzed by comparing the FBMT content and the evidence from the interviews with the objectives and indicators of the W4C logframe.
It becomes clear that the FBMT was most effective in increasing IGAs, balancing decision making and improving relationships. The effect of IGAs on household income not entirely clear yet. Access to the training is determined by participation in VSLAs. While this is not detrimental in the first place, potential entry barriers to VSLAs need to be kept in mind when scaling up.
For men the main challenges to participate in the FBMT are a perceived loss of power and possibly the available time to attend. Yet, those who participated were attracted by potential economic gains and finally recognized the advantages of improved relationships.
A mapping of training courses that are related to the FBMT and are applied in the W4C program revealed that the couple dialogues, the gender strategy interventions and FBMT overlap in some areas but the FBMT goes beyond the objectives of the other two courses. The IGA training courses, which are complementary to the FBMT, overlap with some of the contents of the FFBS1 (Farmer Field and Business School). The FFBS also overlaps with some of the FBMT contents on gender and also addresses the couple rather than just the women. However, it comprises of about double the number of training modules of the FBMT.
Training application is divided between technical advisors and field supervisors. This arrangement was not evaluated in detail but might not be the most effective and should be reviewed critically. The FBMT sustainably changed some of the behaviour of participating couples, confirming the sustainability of some of the effects of the training. The provision of the training still depends on external funding and cannot be considered fully sustainable yet. Change plans and their follow up by CARE staff are time consuming, resource intensive and might reduce the ownership of these plans by the couple that developed the plan.
The FBMT has been successful in changing household economies and relationships. Specifically the daily calendar, the income and expenditure tree and the prioritization of expenditures as practiced in the NEEDS and WANTS exercise have proven to be very effective. The perceived economic advantages of the training attract men eventually they discover the rewards of an improved relationship. The benefits of the FBMT have motivated some community members to spread its concepts to other households, which is as an opportunity for future programming. Read More...
Impact Case Study and Documentation of the Tea, Herbs and Spices Farmer’s Situation and Experiences in the Phase I of Her Money, Her Life Project Implementation
CARE International's two-year Her Money, Her Life (HMHL) project (2021-2023), funded by Bloomberg Philanthropies, aims to empower and economically uplift women farmers in Tanzania's tea sub-sector. In collaboration with Kazi Yetu Limited and key industry partners, the project targets 150,000 individuals, including 30,000 tea smallholder farmers (80% women). HMHL project builds on CARE's Agri Fund model with aim of investing in women to increase independence and economic opportunities to boost quality, quantity and diversification in Tanzania’s tea sub-sector. The impact study, conducted by Solveris Consulting Limited in November 2023, assesses the project's outcomes across seven districts in four regions, offering valuable insights into its effectiveness.
carried out by Kazi Yetu, funded by the project's grant. This ROI is expected to be more than doubled (188%) in 2025. The partnership between Kazi Yetu and stakeholders
ix
significantly impacts the specialty tea sector, showcasing rapid grant recovery/factory’s investment rate of return within 2.5 years. The project fosters economic viability and tangible benefits for farmers, contributing to positive transformation in livelihoods. Kazi Yetu's project interventions, highlighted by the SSTC demonstration factory, bring substantial and lasting benefits to farmers. Premium prices for green leaf tea sales, employment opportunities, and transformative training initiatives have significantly increased income for women tea farmers. The project's emphasis on value addition, including a solar dryer in Bumbuli, enhances product quality and market opportunities. Diversification into tea, herbs and spices production and commissions from bulk orthodox tea sales further contribute to income streams. The project's impact extends nationally, shaping the tea strategy and promoting specialty tea. The success of SSTC has catalysed national interest, leading to scaling efforts and increased global recognition for Tanzanian tea, enhancing market opportunities. Effectiveness of Village Savings and Loan Associations (VSLAs) on Collective Investment: VSLAs demonstrate a significant 30% increase in women's involvement from 46% during baseline to 60% now, indicating successful interventions that contribute to economic resilience and social cohesion. Regional variations underscore localized impacts. Additionally, the study reveals that the majority of respondents (87%) comprising 89% females and 84% males reported their VSLAs engaging in collective investments using mobilised savings. This level of collective engagement in collective investments through VSLAs is approximately double the baseline figure (47%). The investments take various forms, including small businesses, transportation equipment, and livestock husbandry. Further evidence suggests that collective investments have enhanced VSLAs' capital, improved members' access to loans, and overall increased income through dividends from collective investments. Read More...
carried out by Kazi Yetu, funded by the project's grant. This ROI is expected to be more than doubled (188%) in 2025. The partnership between Kazi Yetu and stakeholders
ix
significantly impacts the specialty tea sector, showcasing rapid grant recovery/factory’s investment rate of return within 2.5 years. The project fosters economic viability and tangible benefits for farmers, contributing to positive transformation in livelihoods. Kazi Yetu's project interventions, highlighted by the SSTC demonstration factory, bring substantial and lasting benefits to farmers. Premium prices for green leaf tea sales, employment opportunities, and transformative training initiatives have significantly increased income for women tea farmers. The project's emphasis on value addition, including a solar dryer in Bumbuli, enhances product quality and market opportunities. Diversification into tea, herbs and spices production and commissions from bulk orthodox tea sales further contribute to income streams. The project's impact extends nationally, shaping the tea strategy and promoting specialty tea. The success of SSTC has catalysed national interest, leading to scaling efforts and increased global recognition for Tanzanian tea, enhancing market opportunities. Effectiveness of Village Savings and Loan Associations (VSLAs) on Collective Investment: VSLAs demonstrate a significant 30% increase in women's involvement from 46% during baseline to 60% now, indicating successful interventions that contribute to economic resilience and social cohesion. Regional variations underscore localized impacts. Additionally, the study reveals that the majority of respondents (87%) comprising 89% females and 84% males reported their VSLAs engaging in collective investments using mobilised savings. This level of collective engagement in collective investments through VSLAs is approximately double the baseline figure (47%). The investments take various forms, including small businesses, transportation equipment, and livestock husbandry. Further evidence suggests that collective investments have enhanced VSLAs' capital, improved members' access to loans, and overall increased income through dividends from collective investments. Read More...
Variations in Village Savings and Loan Association (VSLA) Practices: An Assessment of Dynamics and Impacts in Zomba and Mangochi Districts – Titukulane Project
This assessment investigates variations in the practices of Village Savings and Loan Associations (VSLAs) in Zomba and Mangochi districts. While the VSLA model has been transformative in promoting financial inclusion and community empowerment in rural areas, there have been noticeable deviations from the CARE VSL methodology, commonly referred to as the standard methodology. With Titukulane's support for these VSLAs, it becomes imperative to comprehend the reasons and implications behind these changes.
The rapid assessment was instrumental in understanding the VSLA practices across selected districts. Qualitative data on the VSLA methodology variations were randomly drawn from 8 out of the 19 Traditional Authorities (TAs) where Titukulane is implementing interventions. Within this sample, the assessment encompassed diverse voices from VSLA members, Community Development Agents, Village Agents, and Titukulane staff. The research utilized a rapid assessment approach to gain a comprehensive overview of the VSLA practices in Zomba and Mangochi in a time-efficient manner. This methodology was chosen for its ability to capture immediate, relevant insights without necessitating the extended time frame typical of more intensive research methods. The rapid assessment prioritized direct interactions with participants, ensuring their experiences and perspectives were central to the data collected. This direct engagement proved invaluable, especially when exploring sensitive topics related to financial practices and internal group dynamics. Through this approach, the assessment aimed to offer a nuanced understanding of current VSLA practices and the motivations underpinning their variations. In the context of this study, variations refer to the distinct differences in approaches, outcomes, or practices observed among the groups, while deviations denote departures from the expected or standard methods prescribed by Titukulane, potentially indicating unique adaptations or challenges faced by certain groups.
Key Findings: VSLAs in both districts have adopted varied practices. Some VSLAs, for example, emphasize equal shares for every member, while others note disparities in contributions. Lending strategies, such as offering loans to non-members, also emerged, aiming to bolster financial inclusivity. However, such innovative strategies sometimes come with their own set of challenges, like difficulties in accurate record-keeping or financial strains from settling older debts using newer contributions. External influences, cultural beliefs, and regional dynamics also play key roles in these variations. Below is a complete list of the variations and deviations noted in the two districts:
• Shares and Savings: While some VSLAs continue to advocate for standardized shares per member to ensure equality, others experience disparities due to inconsistent contributions. For instance, in some groups members are allowed to purchase more than 5 shares at a time, with some purchasing up to 100 shares.
• Loan Practices: Innovative loan practices, including lending to non-members, aim to enhance financial inclusivity.
• Documentation and Record-Keeping: Challenges in maintaining accurate records are pervasive, with different approaches to record-keeping observed.
• Emergence of Digital Financing Platforms replacing cashboxes: In younger VSLA demographics, there's a rising adoption of digital financing platforms, such as Airtel Money and TNM Mpamba. However, this shift poses challenges for older members, who are less familiar with digital technologies.
• Religious and Cultural Adjustments: Deep-seated religious beliefs influence some VSLAs to refrain from charging interest.
• Influence of External Entities: VSLAs display adaptability and responsiveness to external influences, including NGOs and community initiatives.
• Group Dynamics: Many VSLAs have larger membership counts than recommended, possibly reflecting community resource pooling. Read More...
The rapid assessment was instrumental in understanding the VSLA practices across selected districts. Qualitative data on the VSLA methodology variations were randomly drawn from 8 out of the 19 Traditional Authorities (TAs) where Titukulane is implementing interventions. Within this sample, the assessment encompassed diverse voices from VSLA members, Community Development Agents, Village Agents, and Titukulane staff. The research utilized a rapid assessment approach to gain a comprehensive overview of the VSLA practices in Zomba and Mangochi in a time-efficient manner. This methodology was chosen for its ability to capture immediate, relevant insights without necessitating the extended time frame typical of more intensive research methods. The rapid assessment prioritized direct interactions with participants, ensuring their experiences and perspectives were central to the data collected. This direct engagement proved invaluable, especially when exploring sensitive topics related to financial practices and internal group dynamics. Through this approach, the assessment aimed to offer a nuanced understanding of current VSLA practices and the motivations underpinning their variations. In the context of this study, variations refer to the distinct differences in approaches, outcomes, or practices observed among the groups, while deviations denote departures from the expected or standard methods prescribed by Titukulane, potentially indicating unique adaptations or challenges faced by certain groups.
Key Findings: VSLAs in both districts have adopted varied practices. Some VSLAs, for example, emphasize equal shares for every member, while others note disparities in contributions. Lending strategies, such as offering loans to non-members, also emerged, aiming to bolster financial inclusivity. However, such innovative strategies sometimes come with their own set of challenges, like difficulties in accurate record-keeping or financial strains from settling older debts using newer contributions. External influences, cultural beliefs, and regional dynamics also play key roles in these variations. Below is a complete list of the variations and deviations noted in the two districts:
• Shares and Savings: While some VSLAs continue to advocate for standardized shares per member to ensure equality, others experience disparities due to inconsistent contributions. For instance, in some groups members are allowed to purchase more than 5 shares at a time, with some purchasing up to 100 shares.
• Loan Practices: Innovative loan practices, including lending to non-members, aim to enhance financial inclusivity.
• Documentation and Record-Keeping: Challenges in maintaining accurate records are pervasive, with different approaches to record-keeping observed.
• Emergence of Digital Financing Platforms replacing cashboxes: In younger VSLA demographics, there's a rising adoption of digital financing platforms, such as Airtel Money and TNM Mpamba. However, this shift poses challenges for older members, who are less familiar with digital technologies.
• Religious and Cultural Adjustments: Deep-seated religious beliefs influence some VSLAs to refrain from charging interest.
• Influence of External Entities: VSLAs display adaptability and responsiveness to external influences, including NGOs and community initiatives.
• Group Dynamics: Many VSLAs have larger membership counts than recommended, possibly reflecting community resource pooling. Read More...
Community-led Resource Mobilization & Early Warning Systems Process Assessment: Titukulane Project
This report examines the motivation and willingness of Village Civil Protection Committees (VCPCs) and communities to mobilize resources at community level for Disaster Risk Management (DRM). To do this, a participatory action research (PAR) approach was utilized, facilitated by SWOT analyses, in combination with focus group discussions (FGDs) and key informant interviews (KIIs). The findings revealed that communities had prepositioned resources to prepare for disaster response as part of risk reduction. Participants identified their ability to mobilize themselves as a community; to mobilize funds and food; well trained and knowledgeable structures, good agricultural practices, and good governance as major strengths. Opportunities for resource mobilization included enterprise, piece work (ganyu), irrigation farming, access to safety net programs, and youth participation. Weaknesses included the disorganization of some community structures, lack of support or political will from community leaders and the government, lack of accountability from VCPC members, and reluctance to adopt improved agricultural practices. Community-based early warning systems, although available, are insufficient to provide effective risk reduction for natural disasters. There is a lack of documentation concerning indigenous early warning systems, which impedes the development of effective and contextual strategies for risk reduction. The recommendations include increasing awareness among traditional leaders, defining resource mobilization structures, documenting guidelines and transactions for transparency, investing in early warning infrastructure and capacity building, documenting indigenous early warning signs, and intensifying watershed restoration and conservation to increase disaster preparedness. Read More...
Proyecto Máxima Perú: Rompiendo barreras, construyendo negocios
El proyecto “Máxima: Rompiendo barreras, construyendo negocios”, es desarrollado con el apoyo de Fundación Citi y tiene como objetivo que las poblaciones refugiada y migrante venezolana, quechua hablante, amazónica y afroperuana (así como migrantes de estos tres grupos) de zonas rurales y periurbanas de Lima, Ica, Huancavelica, San Martín y otras regiones del Perú, tomen mejores decisiones financieras para optimizar sus emprendimientos y economía familiar, considerando las barreras de género y culturales. Además, busca formar y/o fortalecer liderazgos en habilidades digitales, habilidades blandas e igualdad de género.
El proyecto Máxima tiene 2 componentes:
- Programa de capacitación en educación financiera y empresarial en español y en quechua para fortalecimiento de las competencias financieras.
- Acceso a información sobre productos financieros (ahorro, crédito, seguros, billeteras digitales) a través de campañas informativas de Inclusión Financiera en español y en quechua.
A través de estas acciones, el proyecto Máxima tuvo como meta atender a 3,500 personas con diferentes perfiles emprendedores: ideas de negocio, nuevo negocio y negocios en crecimiento. Al menos el 75% serían mujeres. Read More...
El proyecto Máxima tiene 2 componentes:
- Programa de capacitación en educación financiera y empresarial en español y en quechua para fortalecimiento de las competencias financieras.
- Acceso a información sobre productos financieros (ahorro, crédito, seguros, billeteras digitales) a través de campañas informativas de Inclusión Financiera en español y en quechua.
A través de estas acciones, el proyecto Máxima tuvo como meta atender a 3,500 personas con diferentes perfiles emprendedores: ideas de negocio, nuevo negocio y negocios en crecimiento. Al menos el 75% serían mujeres. Read More...