Convened by:

Peer Learning Sessions

SG2018 will host 22 engaging Peer Learning Sessions around the four Technical Tracks. Selected by the Technical Advisory Committee from over 75 competitive proposals, these sessions were evaluated at the highest level, demonstrating excellence in the five Session Selection Criteria: (1) Opportunity for Learning, (2) Proven Practice, (3) Collection and Use of Evidence, (4) Diversity of Perspectives, and (5) Contribution to Conference and Track Themes. 

Savings Groups as a Service: Business Models and Digital Tools for Sustainability and Engagement

Chaired by Financial Sector Development Mozambique (FSD) 

SOMA is a Mozambican startup that connects remote communities to market opportunities through cash-based Savings Groups. Using custom made digital tools, SOMA is able to create communication channels to rural communities through a network of extension workers using smartphones to learn from training videos, collect data, and deliver personal training to peers using local languages. SOMA’s Groups are incentivized to interact with the platform using their own mobile phones to update group details, access relevant information, and respond to surveys. Through data analytics SOMA is then able to produce insights into the needs of each Savings Group, connecting them to partner private sector institutions and development programs. In this session you can become a SOMA trainer and use the platform to recruit your own Savings Groups, test our assumptions, and contribute to improve our approach. 

Scaling Savings Groups through Government Programs – Motivations, Achievements and Challenges 

Chaired by CARE

This session involves a conversation with key representatives who are working towards embedding savings group promotion in public sector programs. This open conversation will consider their progress, the road ahead and the support required to succeed. The primary learning objective of this session is to demonstrate to attendees the potential power that public sector engagement can have for sustainable, scalable SGs promotion; the challenges facing civil servants striving to deliver high-quality programming; and the implications these efforts have for the role of facilitating agencies and other supporters. As a contribution to the 'market systems approach' theme, this session will push attendees to consider how the role of facilitating agencies must evolve if government-led models are to achieve results. 

Impliquer tous les Promoteurs de Groupes d’épargne dans les Discussions Nationales sur l’inclusion Financière*

Chaired by Catholic Relief Services (CRS)

Qu’arrive-t-il lorsque les groupes d'épargne entrent dans la discussion nationale sur l'inclusion financière? Comment les praticiens peuvent-ils le mieux participer et faire entendre leur voix? Peuvent-ils assurer des normes de qualité tout en évitant une réglementation défavorable? Venez apprendre de l'expérience de Madagascar, où les promoteurs de groupes d'épargne se sont réunis et ont formalisé une association afin d’interagir avec les prestataires de services financiers, les responsables politiques et les régulateurs - des discussions qui se poursuivent à ce jour. Cette session accueillera des représentants de l'association des promoteurs des GE, de l'unité Finance Inclusive du Ministère des Finances ainsi que de la Banque Centrale, sur le parcours qu’ils suivent pour trouver une place appropriée pour les groupes d'épargne dans le cadre de l'inclusion financière malgache.

What happens when savings groups enter the national financial inclusion discussion? How best can practitioners have a voice? Can they ensure quality standards while avoiding adverse regulation? Come learn from the experience of Madagascar, where savings group promoters came together and formalized an association to engage with financial service providers, policy-makers and regulators – discussions that continue to this day. This session will feature representatives from the SG promoters’ association, the Ministry of Finance’s Financial Inclusion unit, and the Central Bank, on their journey to find an appropriate place for savings groups in the Malagasy financial inclusion framework. 

*This session will be translated into English

Post-Project? No-Project? Four Approaches to Savings Group Sustainability and Growth 

Chaired by G. Athmer Consultancy

Savings Group projects have limited durations. Once they close, what remains behind? Do the established groups survive and thrive? Are additional groups formed? Do groups remain static, or diversify? This session will present three types of structure that are established during the project phase to ensure post-project service and sustainability: Plan’s Intermediating Associations (IMAs), CRS’s PSP Networks and Ophavela’s registered Agent Associations. FSD Zambia takes things one step further and eliminates project structures altogether, in favor of direct engagement with a cadre of master trainers. This session will contrast these approaches and leave ample space for audience contributions and discussion. 

Lessons from Self Help Group-Bank Linkage: A Platform for Formal Financial Access in India

Chaired by IFMR LEAD

The Indian SHG-Bank Linkage Program (SBLP) sought to utilize rural savings groups as a channel to provide unbanked women with access to the formal finance. Over 25 years, the SBLP has become the most widespread platform helping rural Indian women in over 2.3 million SHGs to build social/financial capital through one of the largest women’s empowerment program in the world. Sector experts and practitioners will present findings from one of the first RCT impact evaluations of the program and reflect on the evolution of the SHG model over the years; the challenges it faces; and lessons learned for the African context. 

Bringing the Informal Into the Formal: A Step by Step Guide

Chaired by UNCDF

This session will present a new manual, to be released at SG2018 by UNCDF MicroLead, on how FSPs can best provide their services to meet the needs of informal SGs. The manual is a step-by-step guide on how FSPs can serve SGs by availing easy-to-use materials/tools and practical guidelines. These materials include institutional readiness assessment for serving SGs, discussion of the various "linkage" methodologies, as well as cost/benefit analysis tools to help FSPs determine a business case. Lastly, two FSP partners of MicroLead will present on their work servicing SGs.

Formal Finance and Informal Groups: Inside the Black Box 

Chaired by Oxford Policy Management (OPM)

A successful business case for linkages must offer something useful to all involved parties. Part of the solution is offered by platform providers, through a multi-layered approach that is commercially robust but also creates value for groups, members, financial service providers and the platform itself. To implement such a solution often requires a significant shift in the corporate culture of the providers alongside significant changes in products, delivery processes, pricing, technology etc. In this session, speakers from Savings at the Frontier and their partners will lead a discussion on the lessons being learnt in building multi-layered linkages. 

Making Small Scale Savings Work with Linkage Banking 

Chaired by World Savings Banks Institute (WSBI)

WSBI’s Making Small Scale Savings Work (MTripleSW) 2016 program launch continued a journey that started in 2009 by the now-completed Doubling Savings Accounts program. Like its predecessor, MTripleSW supports financial service provider efforts to give meaningful savings services to those underserved and unbanked. The business case for small scale savings requires high numbers of active savers and linkage banking turned out to be a meaningful route for tapping into the mass market. This session explores the business model and first signs of a business case for linkage banking from the lens of FSPs and NGOs. Supported by a DFS representative, panelists will also discuss what technology partners can bring to the table. 

Emerging Best Practice in the Design and Delivery of Digitally-enabled Financial Services for Savings Groups 

Chaired by Mercy Corps AgriFin Accelerate

Digital technology is well underway in changing how underserved populations access formal financial services. More recently, new technology-enabled innovations, including the bundling of Digital Financial Services and Digital Information Services, have begun to enable greater formal financial access and meaningful usage among Savings Groups. This panel will hear from a cross-section of innovators to understand how they are harnessing digital to deepen their understanding of client needs, extend the reach of DFS, reduce the cost of customer acquisition, and motivate more meaningful usage of formal financial services among Savings Groups. 

Speeding Up Useful Linkages: Reducing Time in Meeting Group Demand for Formal Services

Chaired by UNCDF 

How can savings groups be sustainably and safely linked to formal financial service providers in a way that reaches scale? And how can this be done, given the fast-paced “grow or die” world of formal FSPs? NMB Tanzania and CARE International offer applicable advice of what works – and what doesn’t. Given CARE’s wide reach across Africa as a sought-out partner of FSPs, and NMB’s laudable success in reaching over 12,000 groups with savings of more than TZS 8 billion in 1.5 years, these two members of SEEP’s Savings Group Peer-learning Group will offer tangible advice and concrete criteria on building mechanisms for healthy and successful linkages. 

*Construyendo Oportunidades de Liderazgo e Ingresos Para Adolescentes y Jóvenes

Presidido por Catholic Relief Services (CRS) 

Únase a nosotros para aprender sobre tres intervenciones distintas que están empoderando a los jóvenes a través de los grupos de ahorros proporcionando oportunidades de liderazgo, desarrollar su autoestima y mejorar sus habilidades financieras y empresariales. Las tres intervenciones tienen la característica única de ser implementadas tanto a través del currículo escolar formal como en sesiones fuera del horario de las escuelas primarias y secundarias seleccionadas en el Perú y El Salvador, asegurando así un amplio alcance y sostenibilidad. Al trabajar no solo con los estudiantes, sino también con los padres, maestros, personal escolar y la comunidad en general, estas intervenciones han demostrado ser exitosas al brindar educación financiera a los jóvenes y facilitar su integración en las actividades generadoras de ingresos.

Join us in learning about three distinct savings-led interventions that are empowering youth by providing leadership opportunities, building their self-esteem, and improving their financial and entrepreneurial abilities. All three interventions have the unique characteristic of being implemented both through the formal school curriculum and in after-hours sessions in selected primary and secondary schools across Peru and El Salvador, thus ensuring ample reach and sustainability. Working not only with students, but engaging parents, teachers, school personnel and the community at large, these interventions have proven successful in bringing financial education to youth and facilitating their integration into income generating activities.

*This session will be translated into English and French.

Inclusive Savings Groups and Finance: Empowering Persons with Disabilities

Chaired by Norges Handikapforbund / Norwegian Association of Disabled (NAD)

Serving persons with disabilities especially in rural settings is not priority to many development programs due to perceived risks. As a vulnerable population, persons with disabilities lack access to basic education, health, assets, livelihoods, sustainable networks, and financial services, worsening their low self-esteem and poverty that even affects their households. The iSAVE Inclusive Economic Empowerment Program in Uganda enhances members’ self-esteem, access to affordable credit, savings and promotes inclusion. The session will present the dynamics of inclusion, lessons learned and life changes experienced by persons with disabilities; e.g. increased income, optimism, happiness, wealth, self-esteem, wellbeing and access to financial services

Reflecting to Improve: Looking Back on Savings Groups for Vulnerable Populations

Chaired by Grameen Foundation

Funders increasingly ask practitioners to tailor savings groups to serve specific vulnerable populations such as caregivers of vulnerable children, young women, people living with HIV, or the food insecure. These demands often lead to the formation of relatively homogenous groups, rather than to more heterogeneous groups that typically emerge through member self-selection. SGs for the vulnerable often face challenges to mobilize savings and diversify lending to manage risk, and may require extended support. Looking back on such SG-building efforts in the past several years, what have we learned that can help us to foster sustainable SGs for vulnerable populations?

How Low Can We Go? Evidence-based Approaches for Savings Groups

Chaired by Itad

Which approaches to including lower income populations and marginalized segments in savings groups work best? What evidence demonstrates this and which tools are most effective in providing that evidence? This session will showcase best practices in both deepening and documenting the outreach of savings groups, drawing on the latest findings from a cutting-edge mix of big data tools and qualitative methods -Financial Diaries, Progress out of Poverty Index, & Realist Evaluations – focused on deepening the poverty outreach of savings groups in different geographies – Uganda, Zambia, & South Africa.

Using Savings Groups to Promote Resiliency During Times of Crisis

Chaired by ACDI/VOCA

This session will explore the use of Savings Groups among vulnerable populations, particularly during crisis situations. It will demonstrate how a cash transfer program run by ACDI/VOCA for Ebola-affected households provided important cash infusions to existing Savings Groups, thereby creating favorable conditions for the survival of micro enterprises. It will also look at Youth Savings Groups for Congolese boys and girls in refugee camps in Rwanda set up by Plan International. These helped youth build productive assets and provided training support on entrepreneurship and adolescent life skills delivered in safe-space environments.

Leveraging Savings Groups to Increase the Impact of Cash Transfers 

Chaired by FHI360

Cash transfers (CTs) are increasingly popular among actors committed to improving opportunities for highly vulnerable people. CT programs are expanding beyond meeting basic needs to encompass broader development goals and seeking innovative ways for recipients to leverage CTs. This session addresses how SGs and CT programs can combine to improve the wellbeing and long-term resilience of CT recipients and strengthen the performance and sustainability of the group itself. Panelists will present current innovations that aim to effectively layer CTs with SGs, and then engage with the audience to identify gaps and jointly brainstorm approaches to closing them.

Achieving SDG1: The Role of Savings Groups in Reaching the Poorest

Chaired by BRAC

This session will explore the central role savings groups can play in achieving SDG1, serving as accessible delivery mechanisms for complex, large-scale ultra poor graduation programs around the world. In particular this session will consider why savings groups provide effective platforms for multi-dimensional development interventions; why they are especially suitable for reaching vulnerable and extreme poor populations, and what key operational lessons and takeaways are available based on national social protection programs for the poorest, that leverage savings groups. Panelists will draw insights from their diverse experiences delivering Graduation globally, from NGO, donor, and Government perspectives.

Indashyikirwa: A Gender-transformative, Economic Empowerment Program to Prevent Intimate Partner Violence

Chaired by CARE

This session will introduce ‘Indashyikirwa’; an Intimate Partner Violence (IPV) prevention program being implemented by CARE Rwanda in conjunction with two local organizations. Indashyikirwa used CARE’s village savings and loans associations as a platform for a 5-month weekly curriculum for couples to support non-violent, equitable relationships, and for subsequent community activism. The program also established women’s spaces, which supported income generating activities, and engaged opinion leaders. The session will share quantitative and qualitative evaluation data detailed lessons learned from combining savings groups with gender transformative initiatives, including associations between socio-economic status and IPV, drawing on three points from a cohort with randomized intervention and control couples.

Making Savings Groups Work for Women: An Evidence Review

Chaired by Abdul Latif Jameel Poverty Action Lab (J-PAL)

While a lower proportion of women in all regions of the world have formal savings compared to men, a growing body of evidence suggests that informal options such as savings groups can help women improve resilience and wellbeing. What does the rigorous evidence base tell us about women’s savings preferences and the impact of savings groups on outcomes for women? How might savings groups be leveraged for gender transformative outcomes? Drawing from randomized evaluations of savings interventions and beyond, J-PAL and IPA will present findings from their affiliated researchers which help address some of these open questions. 

Reaching the Hard to Reach: Insights for Working with Female Sex Workers

Chaired by World Education

Commercial/transactional sex among young women is one of the drivers of HIV/AIDS worldwide and yet there is surprisingly little information on the financial lives of Female Sex Workers. In this workshop, researchers will present findings from a Financial Diaries exercise in Cote d'Ivoire that aims to inform the design and implementation of appropriate programming for this population. Practitioners will then learn how a program in Zimbabwe has used savings groups and a work readiness program to build financial and employability skills among FSWs, promote alternative livelihood pathways, and create platforms of service delivery for the provision of wrap-around services.

Want to Empower a Woman – Provide Her With Reproductive Health Access! 

Chaired by Oxfam

Savings Groups have proven to be an effective platform to improve access to basic financial services. Women members have long highlighted the need to address the lack of access to quality reproductive health services and products which are essential to transforming women's and girl's social and economic roles. In Mali and Benin, Oxfam and Grameen are testing new models which include education, linkages to service providers and health financing to improve women's reproductive health. Early indications show that these pilot programs are a potential game changer —the use of the savings groups network to improve reproductive health service access.

*De la Transaction à la Transformation : les Groupes d’épargnes et l'activisme pour la Participation Politique l'action Collective des Femmes en Afrique de l'Ouest

Présidé par CARE

Se basant sur l’expérience d’accompagnement des groupes d’épargnes en réseaux au Niger et au Mali, cette session explorera comment les groupes d'épargne de femmes en tant qu’entité collective, sont devenus un canal pour l’ amélioration de l'estime de soi, de la participation politique des femmes, des changement des normes sociales, contribuant ainsi à l’élimination des barrières à l’égalité des genres. Le panel montrera comment ces groupes ont ouvert des portes pour que les femmes soient élues aux niveaux des conseils communaux, devenant ainsi des décideurs. Il présentera des évidences, des leçons, des défis et des opportunités sur la manière dont ils ont été soutenus pour travailler collectivement afin de changer les normes sociales,  influencer les espaces politiques locaux. Enfin il examinera l’avenir d’un tel modèle en Afrique de l'Ouest.

Based on experience in Niger and Mali supporting networked Saving Groups, this session will explore how women’s Savings Groups can collectively enhance women’s self-esteem, political participation, trigger policy and normative change, and ultimately contribute to remove barriers to gender equality. The panel will highlight how these groups opened doors for women to be elected in local municipal office and become decision makers. It will present evidence, lessons, challenges and opportunities of how they have been supported to work collectively to shift cultural norms and influence local policy spaces and look at what the future of the model holds in the West Africa.

 *This session will be translated into English.

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