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This study uses a Realist Evaluation (RE) approach to explore impact not as a direct result of an intervention or input, but in relation to the context in which a programme intervention takes place and the reasoning of its beneficiaries. It breaks down pathways of change into a series of outcomes and triggering mechanisms, allowing the identification of those factors that drive the use of financial services and trigger their impacts. It looks at economic, social, and empowerment impacts across the program.

A summary of this publication is also available here.