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Community Driven Development. Savings and Internal Lending Communities (SILC) Guy Vanmeenen Senior Technical Advisor Microfinance – Africa [email protected]. SILC: Banking in the bush!. What is a SILC Group?. Informal groups of 20 Self-selected Regular meetings Committee - PowerPoint PPT Presentation
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Community Driven Development
Savings and Internal Lending Communities (SILC)
Guy Vanmeenen
Senior Technical Advisor Microfinance – Africa
SILC: Banking in the bush!
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
What does a SILC need?
5
Savings
Loan fund
Social Fund
Funerals16%
Medical Bills26%
School fees and materials
26%
Household essentials11%
Ceremonies21%
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?....
Certification Timeline
FA PSP
InductionTrainin
g
Networks
Apprentices
(free)
(fee-for-service)
Certification Exam
Refresher 1
Refresher 2
Apprentice Exams
Probation
Certification Process
FA PSP
Training
Supervision
Examination
DCFFGDs
Oral exam
Networks
Apprentices
(free)
(fee-for-service)
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
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/
• Short Video