“ Saving for Change” Project

RACHA-Myanmar

CFF

Time frame : 2016 -2017

Start-Up

Conduct meeting

Discuss about SfC

Give some example from SfC stories

Interaction section

Plan for next meeting

Start-UpBackground-

SfC was developed by Oxfam- America in 2005

Established in 1995 as a confederation of 15 organizations

working to reduce poverty

Implement at Cambodia since 2011

by Freedom from Hunger, the Stromme Foundation

Grown to serve approximately 85,000 women in Cambodia as of March

2014

Now, approximately 680,000 members in 13 countries

worldwide with 15- 25 members in one group

RACHA implement in Myanmar from 2016

Start-UpAims & Purpose -

Facilitating for Providing knowledge and skills to the target

areas to develop and form SfC group:

Develop micro-credit or finance

to serve/ save the rural poor from hunger, emergency situations, &

lack of access to health care

Availability of small loan within the group to be able to start small

business or entrepreneur to benefit individual, families, group &

society

Sub-Goal:

Promoting reproductive, child and maternal health care

Start-Up

Principle of SfC-

No grant or matching fund to the group

Group is autonomous & self –regulated

Members are self selected based on trust

Seven weekly training sessions

Weekly saving

Flexible cash deposites with 5 times of minimum saving amount

Rolling saving cycle

12 months

Current Savings lose 20% per year

HomeAnimalsJewelry

TontinesRemittances

Money LendersSuppliers

MFIs

Current Lending Costs

More savings

20%-40%

More Income

Income Generating Activities

Social Capital

Self-Managed GroupsSavings and Lending

BusinessesIncreased Food Consumption

Access to Health CareSolidarity and Networks

Empowerment

Start-Up

Who is Benefit?

Self-Group with self-managed funds

Individuals get benefits from the group

Safe Save Money with interests

Easily lend money in emergency situation & for self micro-

business with low interest rate

Equal benefit within the group member

No external pressure to the group

Togetherness to common problems and goal

Develop Self-Help Group

Theory of Change

power

Group Assets $

Change

Household

Village

Ways to Save Money ( Individual)Save a certain percentage of your income

Save a set method of cash

Save the changes from your pocket

Participate in the Saving Group

( Note: It is not difficult to save some amount of your

money from your daily expense and join SfC)

Implementation MethodologyPromotion Meeting

Go to the target villages:

Study and collect about village profile

Do home-visit & counselling

Talk with the local people & introduce them about SfC

Meet with headman or authoritarian persons

Inform & organize the local people to join the meeting

Encourage local people to form the group telling the advantages

of SfC

Implementation Methodology

Group Formation

Discussed advantages of SfC group

Registration of SfC group members

Phases of group development & animator visits

Meeting schedule

Implementation Methodology

Steps of Group Forming-

Prepare the group

Management Committee Election

Setting up saving goals

Setting up group’s goals and saving

Book keeping record

Fund using and loan policy

Options for Fund Distribution

Implementation MethodologyPlanning & Group Performance Assessment ( CFF will do)

AnnexesMember Name List form

Attendance list, Saving & Fine Record form

Loan Record form

Cash Balance Sheet Form

Individual and Group Saving Record Form

Formula for Group’s Saving Shared Out Form

Training Records

Visitor Registration Form

Regulation – Group’s Rules

Committee’s Role & Responsibilities

SfC’s Meeting Procedure

CFF Guide Special Notes

Organizing People to ParticipateApplying active/ structure observation skills

( Observe the village, schools, road, gardens, living

conditions, houses, church/pagoda, shops etc)

Do home-visit ( May be home, small shop, tea shop,

farms, community hall, etc)

Interact with people & build rapport with them, ask

them about the village & living situation

Apply non- discriminate action oriented approach

Start with they want to talk and lead them to your

aims

Roles of Meeting FacilitatorOrganize meeting with people concern

Know your topic, objectives, meeting minutes, No ofparticipants

Lead the meeting ( No right to do decision for thepeople)

Give equal chance to the participants ( Non-judgemental attitude)

Encourage the participants who are silent to speak out

Educate & supervise them

Give attention when participant share his/her opinion

Let the people decide what they want ( Self-determination)

Facilitating MeetingFind proper place for meeting whereby meeting can

freely implement without bothering from external

Let people know the venue of the meeting

Reach ahead before the meeting start

Make sure you have all needed materials for meeting

Show respect, welcomed & appreciate to the meetingcomers

Make them feel comfortable

Start the meeting on time & end on time

Avoid to make decision for them ( Let them dothemselves)

Help them to set future plan & meeting

Keys of Forming the Group

Motivate them to form the group

Know & observe who and who are in good

relationship

Make the people aware the importance of selecting

members

Divide them into small group & let them discuss

Make them to do short presentation

Guide them to form the group

Let them select the group members by their own

Help them to chose leaders & set-bylaws

Help them to do future plan & Meeting

Evaluation & Follow-up

Ask for their feedback/suggestion regard with the

conducted meeting

Give them small paper to write down their feedback

& suggestion ideas

Visit them and phone them ( Communication)

Interact with external people from the village and ask

about the formed group situation if he/she knows

them

Check their funds & how they manage