Village Savings And Loan Association Vsla Approach
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Village Savings And Loan Association Vsla Approach
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Author :
language : en
Publisher:
Release Date : 2011
Village Savings And Loan Association Vsla Approach written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Savings and loan associations categories.
Village Savings And Loan Associations
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Author : Hugh Allen
language : en
Publisher: Practical Action Publishing
Release Date : 2007
Village Savings And Loan Associations written by Hugh Allen and has been published by Practical Action Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
While many banks and microfinance institutions provide valuable services to the poor in the developing world, they are most successful in economically dynamic urban or peri-urban areas. 30 years since the start of the microfinance revolution, poor people who live in many rural areas and urban slums still find it difficult to access appropriate microfinance products, even in countries with a well developed microfinance sector. Village Savings and Loan Associations based in the community are complementary to MFIs tending to serve the very poor whose income is less reliable, but also offering useful services to the economically secure. This manual provides a concise guide to how to set up and run a village savings and loan association and is based on over 15 years of research and development experience.
The Role Of Village Savings And Loan Associations In Poverty Graduation Programs A Process Analysis
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Author : Noha Abdel Hamid
language : en
Publisher:
Release Date : 2022
The Role Of Village Savings And Loan Associations In Poverty Graduation Programs A Process Analysis written by Noha Abdel Hamid and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with Poverty categories.
Abstract: Ten percent of the global population live in extreme poverty under $1.90 a day. To combat chronic multidimensional poverty, the Bangladesh Rural Advancement Committee (BRAC)created the Graduation Approach, which consists of a Big Push effect implemented through a series of interventions including asset transfer, mentoring, saving groups and a series of service provisions, to push ultra-poor households to exit poverty sustainably. Implemented so far in over 50 countries, the model has shown positive results even after ten years of the first interventions. Sawiris Foundation for Social Development partnered with BRAC and the Abdul Latif Jameel Poverty Action Laboratory (J-PAL) to implement the program in Egypt, starting in 2018, calledBab Amal. I am looking at the model and focusing on the saving groups and their effectiveness and comparing them to the current Village Saving and Loan Associations (VSLA) methodology, implemented by multiple NGOs, and currently adopted by the Egyptian government to scale on a national level. The methodology is based on qualitative research informed by semi structured in depth interviews and focus group discussions with the participants of the program in Assiut and Sohag. The analysis shows that the graduation approach adopted in Bab Amal, including the saving groups component, has contributed to increasing savings, creating income generating activities, improving communication and decision-making abilities within the household and the group and empowering women socially and economically. The program also raised awareness on issues of hygiene, health, education, life skills, gender-based violence and drug addiction. The study also shows very limited borrowing activities which may risk the sustainability of the model in the growth phase of the enterprises. From a process analysis perspective, it is recommended to adopt the VSLA model instead of regular saving groups, as it operates from a bottom-up approach that creates improved abilities for borrowing, improved governance and ownership of the model, all essential for growth and sustainability. The nature of Bab Amal as a pilot and the randomized selection of households it adopted, could not allow the self-selection of the saving groups, which had smaller groups, inefficient for the borrowing activity that is essential for sustainability beyond the project life.
Financial Promise For The Poor
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Author : Kim Wilson
language : en
Publisher: Kumarian Press
Release Date : 2010
Financial Promise For The Poor written by Kim Wilson and has been published by Kumarian Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Political Science categories.
* Balanced assessment of recent savings-led programs in microfinance * Contributors include wide range of scholars and practitioners The entry of the private sector into financial services for the poor is a relatively new development, but already the glossy promises of credit-led microfinance are facing scrutiny from the development community. Policymakers and economists have begun picking through the hype of microfinance to identify where and how top-down loans might fit into broader human development efforts. To many, the answer involves shifting focus to another financial service: savings. Serving as a strong and perhaps more effective tool than microcredit, microsavings is quickly becoming a lauded poverty-alleviation tool. Contributors to Financial Promise for the Poor cover current innovations in microsavings happening around the world. They describe how savings group members in the developing world are avoiding many of the financial liabilities and debt of other microfinance programs while gaining skills and finding opportunities in collective enterprise. The turn from credit to savings speaks to the growing empowerment of individuals and communities as they break the bonds of indebtedness and find their own paths to financial security.
What S Wrong With Microfinance
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Author : Thomas W. Dichter
language : en
Publisher:
Release Date : 2007
What S Wrong With Microfinance written by Thomas W. Dichter and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Business & Economics categories.
The reasons for this success are obvious.
Portfolios Of The Poor
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Author : Daryl Collins
language : en
Publisher: Princeton University Press
Release Date : 2009-04-20
Portfolios Of The Poor written by Daryl Collins and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-04-20 with Business & Economics categories.
Nearly forty percent of humanity lives on an average of two dollars a day or less. If you've never had to survive on an income so small, it is hard to imagine. How would you put food on the table, afford a home, and educate your children? How would you handle emergencies and old age? Every day, more than a billion people around the world must answer these questions. Portfolios of the Poor is the first book to systematically explain how the poor find solutions to their everyday financial problems. The authors conducted year-long interviews with impoverished villagers and slum dwellers in Bangladesh, India, and South Africa--records that track penny by penny how specific households manage their money. The stories of these families are often surprising and inspiring. Most poor households do not live hand to mouth, spending what they earn in a desperate bid to keep afloat. Instead, they employ financial tools, many linked to informal networks and family ties. They push money into savings for reserves, squeeze money out of creditors whenever possible, run sophisticated savings clubs, and use microfinancing wherever available. Their experiences reveal new methods to fight poverty and ways to envision the next generation of banks for the "bottom billion." Indispensable for those in development studies, economics, and microfinance, Portfolios of the Poor will appeal to anyone interested in knowing more about poverty and what can be done about it.
Access To Finance For Forest And Farm Producer Organisations Ffpos
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Author : Food and Agriculture Organization of the United Nations
language : en
Publisher: Food & Agriculture Org.
Release Date : 2018-12-14
Access To Finance For Forest And Farm Producer Organisations Ffpos written by Food and Agriculture Organization of the United Nations and has been published by Food & Agriculture Org. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-12-14 with Technology & Engineering categories.
Forest landscapes are inhabited by approximately 1.5 billion people. The aggregate gross annual value of these smallholder producers approaches US$1.3 trillion. Adding value to that production, through financial investment, will be key to delivering the Sustainable Development Goals (SDGs). Therefore, access to finance is an important issue. The Forest and Farm Facility (FFF) commissioned this scoping paper to assess what might be done to improve access to finance. Organisation of forest and farm producers allows finance to be channelled toward valueadded investments. But the motivation to form forest and farm producer organisations (FFPOs) varies with context, from the desire to secure resource rights for Indigenous peoples in the forest core, to the desire to strengthen economic scale efficiencies in periurban forest product processing industries. The scale and type of finance needs vary and span enabling investments (grants or concessional loans)through to asset investments (market-rate capital that requires a return). Access to finance for FFPOs requires tailored approaches. For FFPOs, enabling investments in four key areas are needed to create the conditions and necessary track record to attract asset investment: (i) secure commercial rights; (ii) strong organisation for scale; (iii) appropriate technical extension; and (iv) fair market access and business incubation. Enabling investments of this sort make FFPO businesses bankable and affords them access to finance.
Business Skills Training For Rural Sanitation Entrepreneurs Trainer S Guide
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Author : Joshua Kibet
language : en
Publisher: IWA Publishing
Release Date : 2020-08-15
Business Skills Training For Rural Sanitation Entrepreneurs Trainer S Guide written by Joshua Kibet and has been published by IWA Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-08-15 with Science categories.
This book comes out at a very opportune time when the sector is struggling with sanitation marketing that is considered an organic next step for rural communities that have been declared open defecation free. Besides, this publication comes in to address the gaps that face the peri-urban spaces that are facing population explosion and require innovative ways of dealing with mostly non-sewered sanitation services. This guide/manual was developed as part of a training package to support business development skills training for local sanitation entrepreneurs in Kenya. Financial and technical support was provided by the United States Agency for International Development (USAID) under the Kenya integrated water and sanitation (KIWASH) project. KIWASH was a five year (2015-2020) project implemented by the Development Alternatives Incorporation (DAI) across nine counties. One of the key goals of KIWASH was to help trigger and activate demand for low cost affordable sanitation technologies in rural and low income communities. The overall objective of this manual is to equip sanitation specialists and public resource persons with the basic concepts and tools, to facilitate entrepreneurship and financial literacy training for start-up sanitation entrepreneurs in rural communities. Specifically, this manual is designed to help participants: 1) Learn the basic concepts of entrepreneurship and characteristics of successful entrepreneurs; 2) Learn and practice essential marketing techniques for sanitation products and services; 3) Develop money management competencies necessary to succeed as a small-scale entrepreneur; 4) Build necessary leadership and management skills to grow successful sanitation enterprises. Overall, the guide/manual is useful in guiding implementation of sanitation marketing projects, and provides concise content for nurturing and building the capacity of local sanitation enterprises/entrepreneurs. Improved business performance by these businesses means timely response to demand from households. This book is a toolkit which incorporates a Training Guide/Manual as well as a Workbook for entrepreneurs.
Microfinance In Africa
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Author : S. Rajagopalan
language : en
Publisher:
Release Date : 2009
Microfinance In Africa written by S. Rajagopalan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Africa categories.
Africa is home to some of the poorest and vulnerable populations in the world. The ten poorest countries in the world are in Africa. Sub-Saharan Africa is the region with the highest incidence and greatest depth of poverty in the world. Fewer than one in five adults in Africa has access to the services of a formal or semi-formal financial institution. Microfinance in Africa is growing, though. A broad range of diverse institutions offer financial services to the poor and low-income clients in Africa. These include non-governmental organizations, non-banking financial institutions, cooperatives, credit unions, rural banks, Rotating Savings and Credit Associations (ROSCAs), postal financial institutions and an increasing number of commercial banks. Increasingly, technology is being used to expand microfinance outreach mobile phone banking is one such example. This book provides an overview of the microfinance sector in Africa, reviews the performance and impact of microfinance institutions in the region, and outlines some of the opportunities and challenges that African microfinance has on hand.
Village Savings And Loan Associations Vs Las
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Author : Hugh Allen
language : en
Publisher:
Release Date : 2006*
Village Savings And Loan Associations Vs Las written by Hugh Allen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006* with categories.