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24/02/2014 Savings groups can be key for women's economic sustainability

Author: Millennia2015

Source: Trickle Up






Savings groups can be key for women's economic sustainability

Trickle Up


While not a magic bullet, a sturdy metal savings box with three keys can have a surprisingly profound impact. For Trickle Up, integrating all program participants into Savings and Credit Groups has been a highly effective way to address several key needs of the very poor:

- Provides a safe place to save.
- Develops strong saving habits.
- Provides access to credit for emergencies and productive investments.
- Provides a social network.
- Builds the social capital of its participants.

In recent years there has been an increasing recognition that, like any other population, the very poor need financial services. These needs are not being met by most microfinance institutions. The poor need access to very small amounts of credit to help smooth incomes, meet predictable expenses, and cope with shocks and emergencies, although this is rarely available at reasonable rates. For example, quick access to a small amount of credit or accumulated savings to pay for a health emergency can enable a farmer to defer selling or pre-selling their harvest, instead of having to sell at a time when prices are higher. With more stability in their cash flow, people can make better choices about their health, education and nutrition, while also investing in income generating activities.



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  Millennia2025 Woment and Innovation Foundation  

Women and Innovation Foundation,
Public Utility Foundation


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Femmes et Innovation,
Fondation d'utilité publique



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