Community Driven Development
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Transcript of Community Driven Development
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Community Driven Development
Savings and Internal Lending Communities (SILC)
Guy Vanmeenen
Senior Technical Advisor Microfinance – Africa
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SILC: Banking in the bush!
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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
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What does a SILC need?
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5
Savings
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Loan fund
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Social Fund
Funerals16%
Medical Bills26%
School fees and materials
26%
Household essentials11%
Ceremonies21%
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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.
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.
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?....
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Certification Timeline
FA PSP
InductionTrainin
g
Networks
Apprentices
(free)
(fee-for-service)
Certification Exam
Refresher 1
Refresher 2
Apprentice Exams
Probation
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Certification Process
FA PSP
Training
Supervision
Examination
DCFFGDs
Oral exam
Networks
Apprentices
(free)
(fee-for-service)
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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
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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/
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• Short Video