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| |  One of the most common reasons for people to join a group is to undertake some form of saving activity. Saving is vital to enable people to manage shocks and emergencies, to smooth out peaks and troughs in income and expenditure, to make investments in homes, families and businesses and to provide for old age. There are many types of savings groups ranging from funeral funds to rotating funds to full blown savings and loan associations. Such groups are always user owned and provide a financial service to their members that may otherwise be unavailable to them. Participating in a savings group is one of the best ways to encourage social mobilisation among the poor and can lead on to other forms of livelihood development. | |
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|   back | | | | Title | Internal Savings and Lending - the Simba Project | | Author/ Editor | Knight, V. | | Content Language(s) | English | |
| Type of Document | Training manual | | Abstract / Description | This self-contained manual is a step-by-step guide for trainers who wish to set-up and run workshops aimed at enabling communities to successfully understand the purpose of, and ultimately deploy, Savings Clubs. The guide endorses a Participatory Reflection and Action / Participatory Rural Appraisal, which believes that learning should be a two-way process. As such, the workshop is based around interactive training sessions that consist of a series of tasks and activities, rather than lectures. The manual is divided into 3 main sections: - An introduction that gives details about the programme and the methodology;
- Instructions for running 10 sessions of the Internal Savings and Lending Programme. Each session is set to last about 2 to 3 hours, but can be adjusted depending on interest and activities covered;
- Pictures, charts and handouts to be used in the workshop
Sessions 1 and 2 are community mobilisation sessions. They aim firstly, to involve the stakeholders/community leaders and get their support for the project, and secondly, to inform people in the community who might want to join the savings club. These sessions are also designed to give the trainers an idea of the community’s needs and goals and indeed assess their initial reaction to the idea of savings clubs. These sessions are: - Session 1: Stakeholders Meeting
- Session 2: Community Meeting
Sessions 3-9 are the main training modules. These sessions are broken down as follows: - Session 3: Group Selection and Group Awareness, Part 1
- Session 4: Committee Selection
- Session 5: Fund Development and Savings
- Session 6: Internal/External Lending and Interest
- Session 7: Loan Applications and Appraisal
- Session 8: Creating a Constitution and Group Awareness, part 2
- Session 9: Record-Keeping and Financial Evaluation
Finally, Session 10 wraps the programme up with an evaluation of the course and an assessment of what participants have gained from it. This session even provides lyrics to a Savings Club Song! - Session 10: Unpacking and Evaluation
| | Keywords | SAVINGS; LENDING; SAVINGS GROUPS | |
| Date of Publication/Issue | 2002 | | Download | | |
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| Publisher | CARE International in Zimbabwe | |
| Number of Pages | 136 pp | |
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