The Group Savings Resource Book - A Practical Guide to Help Groups Mobilize and Manage Their Savings

Table of Contents

Food and Agriculture Organization of the United Nations

The designations employed and the presentation of material in this information product do not imply the expression of any opinion whatsoever on the part of the Food and Agriculture Organization of the United Nations concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries. The word “countries” appearing in the text refers to countries, territories and areas without distinction. The designations “developed” and “developing” countries are intended for statistical convenience and do not necessarily express a judgement about the stage reached by a particular country or area in the development process. The opinions expressed in the articles by contributing authors are not necessarily those of FAO.

Ji-Yeune Rim & John Rouse

Rustam Vania

Editing and layout
Jonathan Cook

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© FAO 2002

Table of Contents





CHAPTER 1: Saving first

What is saving?
Why people save
How people save
What about borrowing?
How can the poor save more?

CHAPTER 2: Getting started

Factors enabling or constraining saving
Keys to success
Tips for group facilitators

CHAPTER 3: Saving as a group

Rotating Savings and Credit Association (ROSCA)
Accumulative Savings and Credit Association (ASCA)
Credit Union (Savings and Credit Cooperative)
Linking-up with banks and other financial institutions


CHAPTER 4: Knowing the village

Village social map - Who is living where?
Wealth ranking - Who is who?
Venn diagram - Who is doing what?

CHAPTER 5: Money management

Household economy map
Cash flow tree
Seasonal calendar
Counting and basic calculations

CHAPTER 6: Planning for growth

Strengths, weaknesses, opportunities and threats
Business plan
Participatory monitoring and evaluation