Summary of Results

The results of this study indicate that VSLA activities (including loans, savings, and social funds) can positively affect household well-being and food security in a number of different ways.  In order to better understand the full impact of the study, data gathered was analyzed through a number of different “lenses” including Loan Purpose, Loan Seasonality, Loans and Gender, Loans and Food Security, Savings Share-Out and Social Funds. Please click on either the links above or the links to the right of this page for more detailed results of each category.

The table below outlines the main group savings and lending statistics for the CRS and Floresta programs:

Indicators CRS Floresta
Number of Groups 61 58
People Served 1,848 1,611
Total Savings ($) 18,465 102,787
Average Member Savings ($) 18 64
Average Group Savings ($) 499 1,772
Total Outstanding Loan Value ($) 23,014 196,949
Average Loan Size ($) 36 111


The table shows that although CRS and Floresta both monitor a similar number of VSLAs, the amount of money saved per group and average loan sizes vary significantly. This can be attributed to the different socio-economic contexts of Tanzania and Sierra Leone (Tanzania is ranked 151st and Sierra Leone is 180th in the UN Human Development Report 2009 [9]) and reflects the financial capabilities of the communities that are being targeted. However, this study has shown that, despite differences in operating environments, the VSLA model can work very well in a variety of different contexts. Both programs offer a number of useful conclusions that can be utilized by other practitioners.

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