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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

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Community Driven Development

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  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

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