Community-Based Savings Groups use an easily verifiable criterion for access to credit: Members may not borrow a sum worth more than three times the amount of their individual savings. This way, they are more or less certain to have their loan approved without delay or having to provide guarantees.
The study which AKF undertook in 2012 showed that membership in a community-based savings group encourages women to develop their own income-generating activities and increase their personal savings.
http://www.akdn.org/publications/2014_madagascar_cbsg_sofia.pdf
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Ismailimail 