An initiative of 
2021 | Itad
Itad has developed the evidence map presented in this document as part of the Mastercard Foundation Savings Learning Lab. The overall goal of the evidence map is to provide consolidated access…
2020 | World Vision International
Millions of parents and caregivers have lost income and jobs due to the COVID-19 pandemic; the sudden economic shock has forced many households to expose children to harmful and dangerous prac…
2020 | Scale2Save
A new case study report from Scale2Save looks at how the Covid-19 pandemic has changed bank customer behaviour in Africa. The study shows that customers have increased their borrowing from fr…
2020 | Nisha Singh (Independent Consultant), Diana Dezso (Savings Learning Lab), Savings at the Frontier & PHB Development
This paper provides an overview of how agents are an essential component of delivering customer value to excluded populations such as informal savers. Based on the experiences of financial ser…
2020 | Benjamin Allen (Catholic Relief Services)
This study presents the results of two surveys conducted with representatives of 844 CRS Savings and Internal Lending Communities (SILCs) in 18 countries in Africa and Latin America, to unders…
2020 | Emily Janoch (CARE International)
Despite commitments made by governments and other stakeholders to advance women’s economic empowerment, financial inclusion and market participation, the realities of women and girls aro…
2020 | FSD Zambia
Savings Groups are globally considered to be a reliable and sustainable tool for community empowerment. However, the current COVID-19 pandemic poses a significant threat to the groups' impact…
2020 | HOPE International
This visual guide illustrates key principles to conduct safer Savings Group meetings in light of COVID-19. These resources are currently available in the following languages: English, Chichewa…
2020 | HOPE International
This visual guide illustrates key principles to conduct safer Savings Group meetings in light of COVID-19. These resources are currently available in the following languages: English, Chichewa…
2020 | HOPE International
This visual guide illustrates key principles to conduct safer Savings Group meetings in light of COVID-19. These resources are currently available in the following languages: English, Chichewa…
2020 | HOPE International
This visual guide illustrates key principles to conduct safer Savings Group meetings in light of COVID-19. These resources are currently available in the following languages: English, Chichewa…
2020 | HOPE International
This visual guide illustrates key principles to conduct safer Savings Group meetings in light of COVID-19. These resources are currently available in the following languages: English, Chichewa…
2020 | HOPE International
This visual guide illustrates key principles to conduct safer Savings Group meetings in light of COVID-19. These resources are currently available in the following languages: English, Chichewa…
2020 | HOPE International
This visual guide illustrates key principles to conduct safer Savings Group meetings in light of COVID-19. These resources are currently available in the following languages: English, Chichewa…
2020 | George Muruka & Aisha Rahamatali (CARE International)
In 2019, SEEP convened a Peer Learning Group (PLG) comprised of both government and civil society social protection programs to explore the Role of Savings Groups in Supporting Graduation from…
2020 | Erin Lewis (The BOMA Project) & Yéréfolo Mallé (Trickle Up)
In 2019, SEEP convened a Peer Learning Group (PLG) comprised of both government and civil society social protection programs to explore the Role of Savings Groups in Supporting Graduation from…
2020 | Aisha Rahamatali & George Muruka (CARE International)
In 2019, SEEP convened a Peer Learning Group (PLG) comprised of both government and civil society social protection programs to explore the Role of Savings Groups in Supporting Graduation from…
2020 | Evidence Consortium on Women’s Groups
COVID-19, a novel infectious disease, was declared a pandemic by the World Health Organization in March 2020. Unlike the world’s persistent, high-burden infectious diseases—such as…
2020 | Global Communities
The USAID/Twiyubake program developed a learning agenda to determine the impact of saving incentives on the resilience of vulnerable households in 2018. This learning brief explores the follow…
2020 | Aurélie Larquemin (Centre for Development Studies, University of Bath)
Enabling everybody to benefit from regulated financial services has become a global policy goal. However, while access to accounts is increasing, use of accounts remains low. This micro-level…
2020 | Access to Finance Rwanda
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 | FSD Zambia
The COVID-19 guidelines for Savings Groups aim to help group members stay safe and continue with their savings operations while protecting their health, social and economic welfare. The guidel…
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
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
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 | 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 | 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…
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 | 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 | 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…
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…
2020 | World Savings and Retail Banking Institute
The 2019 Savings and Retail Banking in Africa report is the second annual survey produced by the WSBI. The study series, launched in 2018, aims to help improve access to financial services for…
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…
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 | 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 | 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…
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…
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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | Sophie Chauliac (Banco Interamericano de Desarrollo)
This report is also available in English.
The Mango Tree's resource library is hosted and maintained by the SEEP Network's Savings-Led Working Group.
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