1 / 13

Community Driven Development

Community Driven Development. Savings and Internal Lending Communities (SILC) Guy Vanmeenen Senior Technical Advisor Microfinance – Africa Guy.vanmeenen@crs.org. SILC: Banking in the bush!. What is a SILC Group?. Informal groups of 20 Self-selected Regular meetings Committee

keahi
Download Presentation

Community Driven Development

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript


  1. Community Driven Development Savings and Internal Lending Communities (SILC) Guy Vanmeenen Senior Technical Advisor Microfinance – Africa Guy.vanmeenen@crs.org

  2. SILC: Banking in the bush!

  3. What is a SILC Group? • Informal groups of 20 • Self-selected • Regular meetings • Committee • Group saves • Loans • Social/emergency fund • Savings and interest divided yearly • No external credit • Independent • Self-regulated • Rural

  4. What does a SILC need?

  5. Savings

  6. Loan fund

  7. Social Fund

  8. From subsidy to market-led development: the Private Service Provider Model • Sustainability = predominant concern in development. • Savings groups = no exception. • CRS’s answer and market niche = enacting one of most sustainable delivery models on savings-group landscape today. Local, affordable and accessible. The Private Service Provider (PSP Model) • Agents paid only by members. • End-goal = direct foreign aid plays no role in ongoing service delivery. • Market demand & profit motive provide drive to sustain & create more groups. • Quality of service escalates under market forces. • PSPs to replace Field Agents (FAs), salaried under external aid funding. • Offer a path to long-term sustainability. Great program… but how do we keep it going?....

  9. Certification Timeline Networks Apprentice Exams Refresher 2 Refresher 1 (free) (fee-for-service) FA PSP Probation Certification Exam InductionTraining Apprentices

  10. Certification Process Supervision Networks (free) (fee-for-service) FA PSP Examination Apprentices Training DCF FGDs Oral exam

  11. Sustainability • Perpetual return on investment (3 levels): • Group sustainability • Private Service Provider Model (PSP) – new group creation through fee-for-service structure • PSP Network – Certification of apprentices into PSPs

  12. Research Agenda and results • Group quality and financial performance • Impact on group members and their households • Poverty outreach • Member satisfaction with agent services • Agent satisfaction with their work and remuneration • Sustainability of services to groups Research Briefs available on: http://www.crsprogramquality.org/microfinance/

  13. Short Video

More Related