Savings Groups through Village Savings and Loan Associations

Investing in practical resources for high-quality savings group programming

Since CARE first formalized the community-based Village Savings and Loan Association (VSLA) model in Niger in 1991, it has become a cornerstone of financial inclusion—shaping policy, influencing economic systems, and transforming development practices worldwide. As the originator and a global leader in savings groups, CARE continues to refine and expand the model to reach more people, more effectively.

Our ultimate goal is to benefit women and girls by strengthening entire communities and local economies. We’ve developed these practical tools and guides to make it easier for CARE teams, partners, and other organizations locally and internationally to implement and invest in self-sustaining savings groups. By sharing these resources, we aim to reduce duplication, amplify impact, and ensure more women benefit from programs that last.

We’re always learning and growing for our VSLA women—investing in scalable best practices so any organization can replicate, adapt, and extend approaches that benefit women savers.

 

Explore our VSLA resources

Below you’ll find our suite of tools, manuals, and guides designed to support effective VSLA implementation within CARE and beyond. Each resource is developed with input from VSLA members and field experts, ensuring relevance and impact.

Family Business Management Training

Training manual for VSLA members and households to strengthen financial management and collaborative family business planning.

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Collective Investment Manual

Guidance for supporting mature VSLAs in agrifund and collective investment opportunities, with practical steps for group decision-making.

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CARE’s VSLA resources are:

  • Evidence-based: Built on lessons from 30M people reached in 67 countries since 1991.
  • Community-led: Shaped by the voices of VSLA members and through our Women Respond data collection initiative.
  • Scalable: Designed for replication and adaptation by any organization for any context.
  • Innovative: Continuously refined to meet evolving needs.