Saving for change: Financial inclusion and resilience for the world’s poorest people

May 10th, 2013

Three-quarters of the world’s poorest people do not have a formal bank account. With few viable means to save, these individuals and their families are vulnerable to life-threatening hardships. Community-based savings groups are designed to provide a mechanism for resilience. Jointly, Oxfam America and Freedom from Hunger commissioned the largest study to date to evaluate the impact of community-based savings groups—using both a randomized controlled trial and in-depth qualitative research. This report can be downloaded from the Oxfam America website here.


Oxfam America & Freedom from Hunger. (2013). Impacts of Savings Groups: Final Results Released – Summary findings. Washington DC, USA: Author.




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