Introduction Digitizing savings groups can lower costs and expand their reach, making it an obvious choice for growth. So why is widespread adoption still lagging? The answer may lie in how these groups are funded – and it’s time for a major shift. A key barrier is donor dependence. Funding is limited in scope and […]
Closing Digital Gender Gaps: A Systems Framework for Connecting Women
By Simone Schaner, Erik Jorgensen, Rohini Pande, Emma Riley, Laura Barasa, Natalie Theys
Yale Inclusion Economics
2025
Closing Digital Gender Gaps: A Systems Framework for Connecting Women
This framework outlines how household dynamics, social norms, and structural inequalities shape women’s digital access—and offers a roadmap for gender-responsive digital inclusion.
By Charity Troyer-Moore, Giorgia Barboni, Erica Field, Rohini Pande, Natalia Rigol, Simone Schaner, Erik Jorgensen, Hemawathy Balarama
Yale Inclusion Economics
2025
What Works to Close Digital Gender Gaps?
This brief from Yale Inclusion Economics examines two policy levers in India—smartphone distribution and digital literacy training—and finds that while free phones offer a short-term boost, it's digital skills that create lasting impact for women’s connectivity, confidence, and well-being.
CRS’ SILC Pro-Poor Strategy promotes more inclusive savings groups by removing barriers that exclude the poorest. Through flexible policies, inclusive messaging, and equitable pricing, the approach helps ensure all community members—regardless of income—can benefit from group membership.
This brief from CRS explores how Sharia-compliant savings groups can expand financial inclusion in Muslim communities. By replacing interest with fixed fees, voluntary repayments, and group purchasing (Murabaha), these groups align with Islamic finance principles while still generating modest profit and fostering community trust. The model—successfully scaled in Niger—has seen strong acceptance from both members and religious leaders.
Can Digitalisation Interventions in Savings Groups Survive After the Project Ends?
By Joseph Maina
June 12, 2025
Can Digitalisation Interventions in Savings Groups Survive After the Project Ends?
Jamii.one Foundation reflects on its rapid digital rollout in Kenya, supporting over 700 savings groups to adopt digital ledgers—only to see usage plunge after project funding ended. This candid piece shares lessons on why uptake isn’t the same as sustainability and explores what’s needed to make digital tools stick post-project: deeper group ownership, incentive-aligned agent models, and linking digital use to real benefits like insurance.
Women Saving for Resilience: Transforming Lives Through Innovative Savings Group Solutions
By Paula Rudnicka
Global Communities
2023
Women Saving for Resilience: Transforming Lives Through Innovative Savings Group Solutions
This visual Crisis to Resilience story explores digital transformation and other innovations in savings group programming implemented under Global Communities‘ Women Empowered (WE) initiative. Women Empowered (WE) promotes social, economic, and political empowerment of women through community-based savings groups. Guided by the spirit of continuous innovation and adaptation, the WE program has formed and supported […]
Office of the UN Secretary General’s Special Envoy on Technology
2023
Global Digital Compact
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