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Entries in Microfinance (60)


WALA Malawi Fee-for-Service Delivery Channel: Savings Groups and Private Service Providers


CRS’ Private Service Provider (PSP) model helps ensure long-term, post-project availability of SILC services by preparing community agents to become independent private service providers. PSPs operate on a market-led basis by charging fees for services. This brochure gives an overview of how CRS’ Wellness and Agriculture for Life Advancement (WALA) program in Malawi is incorporating the model to ensure future sustainability of the project’s village savings and loan program.

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Private Service Provider Implementation Manual

Private Service Provider Implementation Manual   

This manual provides step-by-step guidance to local organizations that wish to use the Private Service Provider, fee-for-service approach to implementing a savings group program.

The manual is divided into four modules:

  1. Project planning and agent recruitment
  2. Agent training and supervision
  3. Agent certification
  4. Organization of agents into sustainable networks

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How SILC Members Use Their Money: A Study of SILC Fund Use in Zambia

How SILC Members Use Their Money: A Study of SILC Fund Use in Zambia   

There is much anecdotal evidence to suggest participation in savings and internal lending communities (SILC) helps members to meet key household needs. However, there is little information on exactly how members are using SILC funds and how these uses improve their livelihoods.

This product-use study provides insight into exactly how members are using the three primary SILC funds (loans, social fund, and savings at share-out), how these uses are affecting livelihoods and how SILC group members perceive the funds.

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Financial Education

Financial Education   

This 11-lesson financial education curriculum, part of CRS' five skill sets for rural development, has two main purposes:

  • To provide trainers with the tools to teach groups about financial management.
  • To help group members improve their financial and money management skills.

The curriculum is appropriate for development facilitators, field agents and SILC private service providers.

1. Introduction and Glossary (PDF, 496 KB)
2. Section I: Goals, Income, Expenses and Budgeting (PDF, 1.3 MB)
3. Section II: Savings (PDF, 973 KB)
4. Section III: Borrowing (PDF, 1.2 MB)

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Protecting Malawian Children and Youth Through Social and Financial Entrepreneurship

Protecting Malawian Children and Youth Through Social and Financial Entrepreneurship   

This learning paper outlines the experiences and preliminary findings of a collaboration between Catholic Relief Services and Aflatoun. The program was designed to help strengthen the child protection function of Children’s Corners in Malawi.

Vulnerable children ages 6 to 18 years old received financial and social enterprise training. This training strengthened their self-confidence, taught them their rights and responsibilities and helped them develop practical skills for saving, spending, planning and budgeting.

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