An initiative of 
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…
2018 | VisionFund International
During the period of September to December 2018, VisionFund assessed 215 groups, representing more than 6,700 members in West Nile, Uganda to analyze their savings and lending activity, the pr…
2019 | AVSI Foundation
As part of the Graduating to Resilience program, the AVSI Foundation conducted an assessment of Village Savings and Loans Associations (VSLAs) in the Rwamwanja refugee settlement camp in sout…
2019 | Hanna Laufer, Sonia Pietosi, Paul Rippey (Savings at the Frontier)
This study of informal savings mechanisms (ISMs) and their users was conducted in three provinces of Zambia in 2019. Commissioned by the Savings at the Frontier (SatF) programme (a partnership…
2019 | Ashley Wheaton (SEEP Network)
Worldwide, about 80 percent of Savings Group members are women (SAVIX 2019). Gendered participation rates in Savings Groups mirror those of the microfinance sector, which set a precedent of em…
2019 | World Savings Banks Institute
Banks that want to accelerate financial inclusion should focus on young people in Africa, understand their lives and needs better, and offer them appropriate and tailored products. These are a…
2019 | Karen Lewin (World Vision International)
This report describes the findings from VisionFund Internatina's (VF) work over the past five years (2014-2019) in linking Savings Groups with VisionFund microfinance institutions (MFIs), incl…
2019 | Zoë Sutherland, Megan Gash, Daniel Joloba (Itad)
This report describes the findings of an ex-post evaluation of the Expanding Financial Inclusion (EFI) program, delivered by Catholic Relief Services (CRS) and implementing partners in Burkina…
2019 | Paul Rippey (Grassroots Finance)
Between 2017 and 2019, World Relief (WR) and Grassroots Finance (GF) launched an experiment in Dedza District of Malawi. The two partners wanted to see if nudges, that is, non-coercive, low or…
2019 | Stephen Peachey and Mbinya Mutiso (Savings at the Frontier)
Lack of proximity has long been identified as an obstacle to sustained take-up – and sustained use – of formal financial services. Through this decade, funding and specialist skill…
2019 | Itad
This report is based on an in-depth review of 44 studies that examine the effects of a range of youth savings initiatives. The definition of youth in this sample of studies ranges from 5&ndash…
2019 | Benjamin S. Allen, Ph.D. and Tatiana Christiane Tang (Catholic Relief Services)
This study was conducted to evaluate the sustainability of CRS’ Savings and Internal Lending Communities (SILC), fee-for-service, Private Service Provider (PSP) model in Madagascar. It b…
2019 | Katherine Rickard (Nathan Associates)
As Savings Groups increasingly serve as a pillar of gender-focused programs, there is a need to better understand the pathways between Savings Groups and women’s empowerment. The purpose…
2018 | Silvia Storchi (SaveAct)
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…
2018 | Silvia Storchi (SaveAct)
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…
2019 | marc bavois (Catholic Relief Services)
The Field Agent Guide is intended to ensure that all SILC programs—implemented by field agents/private service providers and supported by CRS and its partners—meet a high standard…
2019 | marc bavois (Catholic Relief Services)
The Savings and Internal Lending Communities (SILC) Field Agent (FA) Guide Sharia-compliant Version 5.0S is CRS's first widely circulated version of the guide based on a version of the SILC me…
The Mango Tree's resource library is hosted and maintained by the SEEP Network's Savings-Led Working Group.
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