This report addresses the following core questions:
What is the estimated rate at which project groups are replicating?
Why and how do replicated groups form?
How does the performance of replicated groups compare with that of project groups?
What do members of replicated groups report about their experience?
What does membership in multiple groups tell us about replication and the VSLA/SILC model?
Our data collected from 20 project groups and 46 replicated groups produced the following key findings:
We documented the existence of 1.99 replicated groups, on average, for each project group.
Among replicated groups, more were self-formed (25) than formed with the help of an agent (15).
Replicated groups performed similarly to project groups, with some differences that are worth y of further study.
Members of replicated groups reported major benefits and expressed broad satisfaction with saving, borrowing, and purchasing assets. However, a few examples of unwise decision making suggest the need for ongoing training.
Further research is needed on the phenomenon of membership in multiple groups and its implications for the VSLA/SILC model.