savings groups: scale, performance, replication and trends
DESCRIPTION
Savings Groups: Scale, performance, replication and trends. Hugh Allen. Scale: global estimates (but probably double). Scale: Latin America. Scale: Colombia. Performance: The SAVIX - www.thesavix.org. The SAVIX: Key global metrics over time. - PowerPoint PPT PresentationTRANSCRIPT
![Page 1: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/1.jpg)
Savings Groups: Scale, Savings Groups: Scale, performance, replication performance, replication
and trendsand trends
![Page 2: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/2.jpg)
Scale: global estimates (but probably double)Scale: global estimates (but probably double)
![Page 3: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/3.jpg)
Scale: Latin AmericaScale: Latin America
![Page 4: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/4.jpg)
Scale: ColombiaScale: Colombia
![Page 5: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/5.jpg)
Performance: The SAVIX - www.thesavix.orgPerformance: The SAVIX - www.thesavix.org
![Page 6: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/6.jpg)
The SAVIX: Key global metrics over timeThe SAVIX: Key global metrics over time
• High returns, averaging 35%. Closer to 15% in LA
• Declining cost (INGOs), averaging $21.6. Local organisations achieving >$10
• 89% 4-year long-term survival
• Increasing member investment
• Effectiveness of group-paid Community-Based trainers
![Page 7: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/7.jpg)
The SAVIX: 4-year Tracked sample of 331 groups - 1The SAVIX: 4-year Tracked sample of 331 groups - 1
![Page 8: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/8.jpg)
The SAVIX: 4-year Tracked sample of 331 groups - 2The SAVIX: 4-year Tracked sample of 331 groups - 2
![Page 9: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/9.jpg)
Study sample: 20 project groups, selected at randomReplication: Foundation sampleReplication: Foundation sample
![Page 10: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/10.jpg)
For every formal project group, an estimated 2 replicated groups formed
Replication: Number of new groups emergingReplication: Number of new groups emerging
![Page 11: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/11.jpg)
3 types of replicated groups3 types of replicated groups
![Page 12: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/12.jpg)
Replicated Groups Identified (Total)
N=84
Replicated Groups Interviewed
N=46
More replicated groups were self-formed than agent-More replicated groups were self-formed than agent-formedformed
![Page 13: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/13.jpg)
Replicated groups performed similarly to project-trained Replicated groups performed similarly to project-trained groupsgroups
Loan accessSimple return on
savings
![Page 14: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/14.jpg)
Replication: Issues for further studyReplication: Issues for further study
• Membership in multiple groups. ± 30%. Does this represent a risk and is it evidence of over-indebtedness?
• Spontaneous groups are more likely to pay for Community-based trainer (CBT) services than groups mobilised by CBTs. How should this influence our approach?
• Are spontaneous groups likely to be more durable over time?
• How important is it to retain some influence over the evolution of the methodology as informal replication predominates ?
![Page 15: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/15.jpg)
Thank you for your attention!To view the full report, visit To view the full report, visit http://www.daturesearch.com/
Image of report cover
![Page 16: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/16.jpg)
Trends in the industryTrends in the industry
• Upside:• Recognition that SGs are credible, highly profitable, and
beneficial - and here to stay• Significant impact on family well-being and social capital• Very large-scale programmes• Widespread use of Village Agents to reach scale at low
cost and support post-project replication• Financial inclusion based increasingly on mobile
money/banking
• Downside:• Too much focus on reducing costs at expense of quality• Too much enthusiasm for external credit• Stendency to stay too long• Insufficient respect for what SGs are, and what they are
not
![Page 17: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/17.jpg)
Things for governments and the formal sector to Things for governments and the formal sector to considerconsider
• Don´t assume that the formal sector offers superior services Can you do compete in terms of:
• Accessibility?• Transparency?• Profitability?• Flexibility?• Social benefit?• Ownership?
• Be careful about regulation• Can you actually do it?• Will it add value?• Will it actually protect the consumer?
![Page 18: Savings Groups: Scale, performance, replication and trends](https://reader036.vdocuments.mx/reader036/viewer/2022081603/56814f37550346895dbcd6d6/html5/thumbnails/18.jpg)
Things for implementing agencies to considerThings for implementing agencies to consider
• Are you serious about self-reliance, autonomy and self-management. How does this show itself?
• Should you keep it simple? (that‘s really hard, but it seems to matter)