An initiative of 
2019 | Hugh Allen (VSL Associates)
The SAVIX MIS mobile data entry application allows the user to enter data on a mobile device, logging on as the Data Entry Officer. The advantages are: GPS data can be automatically collected…
2019 | Hugh Allen (VSL Associates)
Le SIG SAVIX 2.0 constitue une nouvelle version majeure. L’ancienne version de ce SIG a été bâtie sur une plateforme obsolète, caractérisée par u…
2019 | Hugh Allen (VSL Associates)
The SAVIX MIS 2.0 is a major new release. The old SAVIX MIS was built on an Undertree platform that had limited capacity and suffered from instability and slow performance, owing to far more p…
2018 | Hugh Allen (VSL Associates)
IGA Selection, Planning, and Management (SPM) is a training course designed especially for members of Village Savings and Loan Associations (VSLAs). It is based on the original guide developed…
2018 | Hugh Allen (VSL Associates)
Ce guide est destiné á l’usage des Agents de Terrain (AT) qui ont la responsabilité de mettre en place des Fédérations d’Associations Villageoise…
2018 | Hugh Allen (VSL Associates)
This manual is to be used by Field Officers (FOs) who are in charge of creating Village Savings and Loan Federations. Field Officers are paid employees, who create, train and supervise VSLFs u…
2019 | Hugh Allen (VSL Associates)
Pourquoi ce guide a-t-il été élaboré ? Cette version revue et mise à jour du guide de formation de l’agent de terrain est le fruit d’un projet pi…
2019 | Hugh Allen (VSL Associates)
This revised and updated version of the Field Officer’s Training Guide resulted from a pilot project implemented in the West Bank of Palestine over an 18-month period by the Economic and…
2020 | Lisa Chassin & John Balaba (Savings at the Frontier)
This ‘how-to’ note explains why efficient agent liquidity management is important. It looks at a range of tested practices in agent liquidity management that the SatF programme and…
2020 | Pete Sparreboom & Mbinya Mutiso (Savings at the Frontier)
This focus note describes the low-cost, practical methods that SatF and its partner FSPs have developed to make outreach to clients in underserved areas viable. These methods build on the incr…
2020 |
Savings Groups and microfinance institutions remain key players in Rwanda's financial sector serving a majority of the population. COVID-19 poses serious risks both health and economic because…
2020 | Joanna Ledgerwood (SEEP Network)
Over the last 25 years, development actors have trained approximately 700,000 Savings Groups, comprised of 14 million members, across 75 countries. Despite the seemingly large number of Saving…
2020 | The SEEP Network
Over the last 25 years, Savings Groups have emerged as a key financial inclusion strategy in underserved markets, and development organizations have formed about 700,000 groups composed of 14…
2020 | Anne Marie van Swinderen (L-IFT)
Over the last 25 years, Savings Groups have emerged as a key financial inclusion strategy in underserved markets, and development organizations have formed about 700,000 groups composed of 14…
2020 | The SEEP Network
Les groupes d’épargne constituent une des plateformes les plus stables et durables pour le développement communautaire à l’échelle mondiale. À l&…
2020 | The SEEP Network
Los grupos de ahorro son una de las plataformas más consistentes y sustentables para el desarrollo comunitario a nivel mundial. Actualmente, hay más de 15 millones de miembros en…
2020 | Mark Staehle (SEEP Network)
The SEEP Network defines digital savings groups (DSGs) as “technologies and systems that digitize savings group records, procedures or transactions.” What is most exciting about th…
2019 | Christina Wieser, Miriam Bruhn, Johannes Kinzinger, Christian Ruckteschler & Soren Heitmann (World Bank Group)
This paper studies the effect of rolling out mobile money agents in rural Northern Uganda. In a randomized experiment, 168 areas were randomly selected to receive an agent in 2017, with anothe…
2020 | The SEEP Network
Savings Groups are one of the most consistent and sustainable platforms for community development worldwide. Currently, there are more than 15 million members in Savings Groups in more than 73…
2019 | Evert-jan Quak (Institute of Development Studies)
Grass-roots member-owned cooperatives for female heads of households in rural Indonesia (PEKKA) empower the women members through three economic activities: community-based microfinance throug…
2018 | Nik Hadiyan Nik Azman & Salina Kassim
Rotating savings and credit association (ROSCA) is a form of micro-credit scheme that enables the low-income group to have access to financial services. There is an increasing need for ROSCA e…
2018 | Simiyu Mercy Nekesa & Dr. Tobias Olweny (Jomo Kenyatta University of Agriculture and Technology)
This study's main objective was to investigate the effects of financial innovation on financial performance of deposit-taking SACCOs in Kajiado County. Past studies give an insight into what h…
2019 | Gayatri Murthy, Maria Fernandez-Vidal, Xavier Faz & Ruben Barreto (CGAP)
Fintechs are innovating at every step of the financial services value chain, often through new value propositions, including flexible products and better ways to address the financial challeng…
2020 | Waleed M.Al-ahdala, Mohammed H.Alsamhib, Mosab I.Tabashc & Najib H.S.Farhand
Corporate governance plays a vital role in creating a corporate culture of consciousness, transparency, and openness. In this context, this paper provides a brief view about the background of…
2019 | Njagi Charles Mugendi, Dr. Paul Gichohi & Abel Moguche (Kenya Methodist University)
SACCOs are experiencing wealth maximization challenges which can be attributed to their savings strategy. This paper investigated the influence of savings strategy on wealth maximization of sa…
2019 | Alexandra Löwe & Susan Njambi-Szlapka (Overseas Development Institute) & Sanyu Phiona (Development Research and Training, Uganda)
The Youth Empowerment Through Agriculture (YETA) programme, in partnership with the Mastercard Foundation, addresses the employment challenges faced by young people in mid-Western and Northern…
2019 | Kwaku D. Kessey (Kwame Nkrumah University of Science and Technology)
The importance of the financial sector in an economy cannot be overemphasized. Among others, it provides financial resources to support businesses, household consumption as well as public sect…
2019 | Kelly Jones (American University) & Erick Gong (Middlebury College)
For the most vulnerable, even small negative shocks can have significant short- and long-term impacts. Few interventions that improve shock-coping are widely available in sub-Saharan Africa. W…
2019 | Mayada El-Zoghbi, Nina Holle & Matthew Soursourian (CGAP)
Research on the impact of financial services on the lives of low-income people provides valuable insights. However, these studies tend to focus on microcredit or a single financial product, su…
2019 | Aidan Coville, Vincenzo Di Maro, Felipe Alexander Dunsch & Siegfried Zottel (World Bank)
This paper investigates the immediate and medium-term behavioral response to an emotional trigger designed to affect biases in intertemporal financial decisions. The emotional trigger is provi…
2019 | Nika Naghavi (GSMA)
2019 marked a major milestone for the mobile money industry: the number of registered mobile money accounts surpassed one billion. This year’s State of the Industry Report looks at what…
2019 | Sophie Chauliac (Banco Interamericano de Desarrollo)
This report is also available in English.
2018 | Niklas Buehren, Markus Goldstein, Leora Klapper, Tricia Koroknay-Palicz & Simone Schaner (World Bank)
Working with a private bank in Ghana, this study examines the impacts of a commitment savings product designed to help clients taking repeated overdrafts break their debt cycles. Overall, the…
2015 | Emily Breza & Arun G. Chandrasekhar (National Bureau of Economic Research)
We conduct a field experiment with 1,300 participants in India to measure whether individuals save more when information about their savings is regularly shared with another member of their vi…
2019 | Mariano Bosch & Adrian Rubli (Inter-American Development Bank)
Transaction costs impose a barrier to savings, but lowering them may have smaller impacts than expected due to other constraints, such as psychological biases. Within the context of retirement…
2019 | Alexandra Avdeenkoa, Albrecht Bohneb & Markus Frölichc
In this paper we investigate behavioral constraints to savings among smallholder farmers in rural Ethiopia. Increasing savings by overcoming such behavioral constraints has been documented to…
2019 | Jamie Anderson, Danielle Hopkins & Myra Valenzuela (CGAP)
What roles do financial services play in enabling youth education and employment? One billion young people in low-income countries are navigating their transition into adulthood and enga…
2020 | Paul Anand, Swati Saxena, Rolando Gonzales Martinez, & Hai-Anh H. Dang
This paper offers an evaluation of a supported women’s self help program with over 1.5 million participants in one of the poorest rural regions of the world (Uttar Pradesh, India). Metho…
2017 | Amankwah Ernest
This thesis investigates characteristics of Rotating savings and credit associations (ROSCAs) participants who join the association due to its Pareto superior allocation in Ghana. Some scholar…
2019 | Shilpa Aggarwal, Valentina Brailovskaya & Jonathan Robinson
We test whether the provision of multiple labeled savings accounts affects savings decisions and downstream outcomes in a field experiment with 481 entrepreneurs in urban Malawi. Treatment re…
2019 | Benjamin Crookston, Josh West, Bobbi Gray & Alison Bardsley (Grameen Foundation)
The Building the Resilience of Vulnerable Communities in Burkina Faso (BRB) project leveraged women’s savings groups as a platform to provide complementary services in nutrition and agri…
2019 | Digital Frontiers Institute
In 2016, the initial hypotheses was that: Financial services providers (FSPs) addressing financial inclusion had little understanding of the customers they were serving; FSPs could learn dist…
2016 | Plan International
Plan International's A Working Future youth economic empowerment programme has proven that partnerships between the development and corporate sectors can successfully address social issues and…
2019 | CARE
CARE Egypt in partnership with Ariel has implemented a project called “We Share the Load” to address women‟s economic and social empowerment and provide them with an opportunity to…
2018 | CARE International
Care CIV through Care Nederland has received funding from the H & M Foundation to implement the Women in Enterprise project. This project has two phases, one of which is more focused on en…
2019 | CARE International in Zimbabwe
CARE International in Zimbabwe (CIZ) implemented a twelve months emergency intervention programme titled ‘Assisting vulnerable food insecure household recovery from mid-season drought an…
2020 | Alfredo Burlando (University of Oregon), Jessica Goldberg (University of Maryland) and Luciana Etcheverry (University of Oregon)
Traditional banks and microfinance institutions lend directly to clients using individual or joint liability contracts, and generally have strict rules on selection and repayments. In most ru…
2019 | The SEEP Network
These 10 tips are a product of the SEEP Network’s peer learning group on Savings Groups for Refugees – composed of representatives from the Danish Refugee Council, the Fletcher Sch…
2019 | FSD Africa and ELAN RDC
This briefing note is based on a research study commissioned in 2018 by FSD Africa and ELAN RDC, and carried out by Digital Disruptions in three locations, to investigate the demand for goods…
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