https://www.grassrootsfinanceaction.org/our-people daily 0.75 2026-01-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614188716511-QOR5Q32TXNTA2081BBUY/Screen%2BShot%2B2021-02-24%2Bat%2B10.58.42%2BAM.jpg Our People Jeffrey Ashe https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614273327704-8ONGZK5ZCO8A966S5766/Achyut%2527s%2Bphoto.jpg Our People Achyut Hari Aryal https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614885002252-EYF9TGHLOV0SRJWKM3Z3/Screen%2BShot%2B2021-03-04%2Bat%2B1.06.11%2BPM.jpg Our People Jerry Harrison-Burns https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618164497777-5HJZY0DMXWRN0W295HG2/%25E1%2584%2589%25E1%2585%25B5%25E1%2586%25AB%25E1%2584%258C%25E1%2585%25A5%25E1%2586%25BC%25E1%2584%2592%25E1%2585%25A7%25E1%2586%25AB%2B%25E1%2584%2589%25E1%2585%25A1%25E1%2584%258C%25E1%2585%25B5%25E1%2586%25AB%2B%25281%2529.jpg Our People Jong-Hyon Shin https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614190748387-GFUMNM9PA5JIM0D9Q9U9/Screen%2BShot%2B2021-02-24%2Bat%2B10.43.14%2BAM.jpg Our People Malcolm Odell https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614277938462-P6MKZWM9ZMHKY191FN8N/Scarlett_4627%2BRob%2BScarlett%2Bheadshot%2B-6108-2_smaller.jpg Our People Robert Scarlett https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616603302575-DRV8LMBWZTZUY5WX7XOV/1M5A2136.jpg Our People Gervase Adams https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/96197fe4-77a1-40bb-9faa-f0bc225ee328/IMG_4200.jpg Our People - Make it stand out Kylin Gao https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614190313823-YQZS4GHNCNYHPVPA7MYS/Screen%2BShot%2B2021-02-24%2Bat%2B10.52.35%2BAM.jpg Our People Jes Colding https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614278456318-IVUWE8ESSL1YI5YZPDXS/Screen%2BShot%2B2021-02-25%2Bat%2B12.23.57%2BPM.jpg Our People Mauricio L. Miller https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/f1091daf-772e-407f-a459-650296370673/liz.jpeg Our People - Make it stand out Liz Bara https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/65ac4068-d519-4423-be8e-c98bdf64417a/JackFarrenPic.jpg Our People - Make it stand out Jack Farren https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614189805850-MCI7E1T2YMHPQF7FJ45G/Screen%2BShot%2B2021-02-24%2Bat%2B10.35.07%2BAM.jpg Our People Shaun Paul https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614884019932-M5JSRWMCPPBAIOQJ3U25/JohnHammock%2BHead.jpg Our People John Hammock https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614888985616-FE7LTFRFPEOV6F5WEPCF/Screen%2BShot%2B2021-03-04%2Bat%2B2.12.28%2BPM.jpg Our People William Maddocks https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614884508849-TC5R8CPTE3J8I0UEO8LZ/49b21152-0577-423a-beff-6d4c0a0efea2.jpg Our People Martha Adriana Márquez Salaices https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616603677201-QDUK3UZX1IEKYWEEBPE2/IMG_6098.jpg Our People Lina Makino https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/9c6702c3-5b76-466f-823a-e312574c4bfc/Zaynab_s+Headshot.jpg Our People - Make it stand out Zaynab Abdi https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616429793499-D1RY3I37W1CFG7803YIP/Photo_SM.JPG Our People Stephanie Ma https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1615925473569-KFFOR8EREMYT2C0LWJAP/2021-02-08%252B10.48.48.jpg Our People Antonieta (Toni) Castro Cosío https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616776741590-OZJZ0HNABQIBQOK9WPHW/Kosmacher_Jeff_0010.jpg Our People Jeff Kosmacher https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614887793128-YTX2L6GSIDT9CZ3HGUNY/20210304_134945.jpg Our People Lizeth Marroquín https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616605196853-BANVVI4389P6WK6IPGHO/Screen+Shot+2021-03-24+at+10.59.04+AM.png Our People Poorvaja Sundar https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614888202507-C8T5IE68QY0AKP13LL5V/Screen%2BShot%2B2021-03-04%2Bat%2B2.00.45%2BPM.jpg Our People G. David Miller https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614186813205-7GLNYTEBA7KKOVBWXNST/Screen%2BShot%2B2021-02-24%2Bat%2B11.13.07%2BAM.jpg Our People https://www.grassrootsfinanceaction.org/history-of-gfa daily 0.75 2022-01-05 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614281935477-YT7XJ8LDOVYLOQK6R1FO/Screen%2BShot%2B2021-02-25%2Bat%2B12.58.16%2BPM.jpg History of GFA https://www.grassrootsfinanceaction.org/our-mission daily 0.75 2025-06-28 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614627916755-G5C6MEGLDZ0FNM2MNIKC/Screen%2BShot%2B2021-02-25%2Bat%2B12.58.25%2BPM.jpg GFA's Mission https://www.grassrootsfinanceaction.org/collaborate-with-us daily 0.75 2021-04-13 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614276172909-OZM83PEYVL503WSKQPIB/Screen%2BShot%2B2021-02-10%2Bat%2B2.42.00%2BPM.jpg Collaborate with Us https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614276299985-GEELJJNX9MISJS0TRYT2/Screen%2BShot%2B2021-02-11%2Bat%2B10.36.07%2BAM.jpg Collaborate with Us - Let’s join efforts to amplify local voices and solutions https://www.grassrootsfinanceaction.org/contact-us daily 0.75 2021-02-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614188274650-V0NZSLO2CXNQBO0VXBV7/Screen%2BShot%2B2021-02-10%2Bat%2B2.42.11%2BPM.jpg Contact Us https://www.grassrootsfinanceaction.org/home daily 1.0 2026-01-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1645378420801-HG0JCHQ5RSFY9HJ4EHD8/Screen%2BShot%2B2022-02-20%2Bat%2B12.30.01%2BPM.jpg Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1645378505900-V4K7AWS3XDEZKZD81H4U/Screen+Shot+2022-02-20+at+12.34.32+PM.png Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1645378970619-NH901M7RX1CLUO2JE8HM/Screen+Shot+2022-02-20+at+12.42.25+PM.png Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/d18ee15d-d2d6-4df1-a3fa-fad34c1a857b/61ThgT-%2BD5L._SL1360_.jpg Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/709c2e87-bea9-4b01-90aa-a82d6a6df3fe/TCP_GLOBAL-Logo-FINAL.png Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/57bca29c-27f1-41fa-8d49-c4763632618c/unnamed.jpg Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/572d0028-e946-418c-beba-495d03027551/logo.png Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/ebed087c-64c2-4648-93e8-43f84275073a/Screenshot+2025-01-05+at+2.23.22+PM.jpg Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/f091b069-078d-4e25-b753-4b95f76026e9/Screen+Shot+2022-05-11+at+9.56.09+PM.png Home The introduction of Saving for Change in a new community starts with the approval of the village authorities. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/999d2274-d2e6-459a-a55c-d380f16100a4/Screen+Shot+2022-05-11+at+9.56.20+PM.png Home The first group is trained by an animator (in blue) from a partner NGO. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/577d4893-41b6-421f-8ab1-edbb3ec5b4de/Screen+Shot+2022-05-11+at+9.56.32+PM.png Home The volunteer replicating agent trains groups, with an illustrated manual to guide the discussion. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/7369abea-a028-4757-bca2-19c851229a90/Screen+Shot+2022-05-11+at+9.56.45+PM.png Home Each week members gather to save and borrow. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/647079a3-84ec-43d4-ab2c-70defff575b1/Screen+Shot+2022-05-11+at+9.58.03+PM.png Home The box keeper takes the locked cashbox out of hiding and brings it to the group. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/ce27a1bb-f7e8-4674-8702-6a56b309daa1/Screen+Shot+2022-05-11+at+9.58.22+PM.png Home Each woman in turn deposits her saving and repays the interest or principal on her loan. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/3de964d6-1e77-4b39-a59a-2d0820ca359b/Screen+Shot+2022-05-11+at+9.58.33+PM.png Home At the end of the cycle, each member receives back all that she saved, plus her share of the interest. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/8a6dc9a3-2914-423b-9fe6-c0d14f023009/Screen+Shot+2022-05-11+at+9.58.44+PM.png Home Even with low literacy levels, group treasurers created a way of record keeping by placing pebbles in a small bag. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/18a2b50b-cdae-4a8a-92c8-59567b02d509/Screen+Shot+2022-05-11+at+9.58.54+PM.png Home Carrying their wooden stools on their heads, women from one group walk to visit another. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/28f52f15-f5fd-495e-94c0-d04af4450e3f/Screen+Shot+2022-05-11+at+9.59.09+PM.png Home Loans are used for many purposes. This woman used her loan to stock her business. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/d21b50b6-3e66-4985-aa0f-c72b261a0310/Screen+Shot+2022-05-11+at+9.59.32+PM.png Home A collective enterprise set up in a Saving for Change group produces sambal, a nutritious sauce, in the city marketplace. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/95e9ab2a-fadd-4ea8-82b7-194042d9ecf5/Screen+Shot+2022-05-11+at+9.59.42+PM.png Home The man at the left, from an NGO in Cambodia, trains the group secretary to keep records. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/edd57cbe-64f3-4252-a4da-6463b177fd26/Screen+Shot+2022-05-11+at+9.59.52+PM.png Home Women in Mali garden collectively and sell what they grow in the market. Their Saving for Change group helps them manage their resources through the seasons. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/da0db0fc-ec5c-4e97-be1b-87e4838bc0ac/Screen+Shot+2022-05-11+at+10.00.01+PM.png Home Group trained in the prevention and treatment of malaria. The blue picture card shows the steps. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/c4feeb19-0312-4845-98bf-4732f46181d7/Screen+Shot+2022-05-11+at+10.00.22+PM.png Home Saving for Change youth groups spring up spontaneously, even though fostering them was not part of the program. This group in Cambodia shows how important these groups are to their members. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/5322d9dc-89c9-4cb3-ae29-5f00a4c8931e/Screen+Shot+2022-05-11+at+10.00.30+PM.png Home Meetings are communal affairs, with children looking on and sometimes participating. A treasurer counts money while her daughter looks on. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1b4b01c1-d42b-431b-8ba0-14b14535577e/Screen+Shot+2022-05-11+at+10.00.42+PM.png Home Savings for Change groups often serve as platforms for other community initiatives. In Guatemala, the woman on the right successfully organized the groups in her region to campaign and vote for women mayors in their communities. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/12af23cc-3dff-4bd8-96de-a4c00a23cd33/Screen+Shot+2022-05-11+at+10.01.05+PM.png Home The secretary and the treasurer of a group in Guatemala keep track of the transactions in their groups. Next page: A Saving for Change meeting is not only about saving and borrowing—it is also a chance to have fun. A Saving for Change member dances for her group in Mali. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/f7e164ce-3a4e-4b17-ad6c-bd83f8cc9e9e/Screen+Shot+2022-05-11+at+10.01.22+PM.png Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/b09b4f7f-9537-46c8-99d0-90c85290dbc7/Screen+Shot+2022-05-11+at+9.58.11+PM.png Home The group’s officers open the meeting with a recitation of the bylaws. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/0c42d165-e3e8-4dbf-a3c2-fdf6b7176897/Screenshot+2026-01-26+at+2.00.44+PM.png Home - TCP Global “We're not just addressing poverty — we're building a system designed to make aid unnecessary.” https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/36cbe1ad-488c-4c75-98d0-cc2e7e53a9b3/unnamed+%281%29.jpg Home - Rotary International Our dedicated network provides research and results from diverse savings group initiatives which are available in our online database. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/682505a9-0083-4c8c-96f9-a9640e868234/Screenshot+2026-01-26+at+2.47.42+PM.png Home - The Great Himalaya Trail Project The Great Himalaya Trail Project is a non-profit 501(c)(3) tax deductible organization with the goal of creating a 1000-KM trekking trail across the entire country of Nepal that connects over 100 villages across the Himalayan range. The result will be a continuous trail for hiker and tourist to enjoy whole bring economic opportunities to some of the poorest yet proudest people in the world. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/dce13bf6-0cb7-4e9e-a4c3-1d2f9696cf45/Screenshot+2026-01-26+at+2.29.59+PM.png Home - Moja Group Savings Made Borderless Use USDC to Save, Send, and Earn with family and friends. Wherever you are in the world. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/36cbe1ad-488c-4c75-98d0-cc2e7e53a9b3/unnamed+%281%29.jpg Home - Rotary International Our dedicated network provides research and results from diverse savings group initiatives which are available in our online database. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1769462214888-LIYMPLMMTE9H4I43B2NR/unsplash-image-Zyx1bK9mqmA.jpg Home - Lynn and New Bedford “Backyard Bankers” https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1769462231574-UJQUHE39AQNMLP71MREA/unsplash-image-Zyx1bK9mqmA.jpg Home - Peer-to-Peer https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614109354309-I40WUB05NGHTK0KCTJQM/Screen%252BShot%252B2021-02-23%252Bat%252B1.36.11%252BPM.jpg Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614109335233-24OF6BHUCFWB9GNZIJY1/Screen%252BShot%252B2021-02-23%252Bat%252B1.39.37%252BPM.jpg Home https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614109534520-JFF82C2SQZJC40PEEGRA/Screen%252BShot%252B2021-02-23%252Bat%252B1.43.59%252BPM.jpg Home https://www.grassrootsfinanceaction.org/privacy-policy daily 0.75 2021-02-26 https://www.grassrootsfinanceaction.org/contact daily 0.75 2021-02-15 https://www.grassrootsfinanceaction.org/jeffrey-ashe daily 0.75 2021-03-04 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614189080836-TST2AIMOQ70IWM3I9AZ3/Screen%2BShot%2B2021-02-24%2Bat%2B10.58.42%2BAM.jpg Jeffrey Ashe https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614189266157-XVGKTW4B4STF1U61GNDW/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Jeffrey Ashe https://www.grassrootsfinanceaction.org/jes-colding daily 0.75 2021-03-04 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614190121621-DJV1271OHD53UALQIZ5D/Screen%2BShot%2B2021-02-24%2Bat%2B10.52.35%2BAM.jpg Jes Colding https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614190224756-XU686RUFZ81RXNHPFNG4/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Jes Colding https://www.grassrootsfinanceaction.org/malcolm-odell daily 0.75 2021-04-12 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614190859682-S0QQTBKQW9OQ8AD8YR0D/Screen%2BShot%2B2021-02-24%2Bat%2B10.43.14%2BAM.jpg Malcolm Odell https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614190964234-BF8GR2TDZ8TE7GFVH1SE/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Malcolm Odell https://www.grassrootsfinanceaction.org/shaun-paul daily 0.75 2021-04-12 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614189675423-ZWTTWM0AS564BAPAXCY1/Screen%252BShot%252B2021-02-24%252Bat%252B10.35.07%252BAM.jpg Shaun Paul https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614189725254-I48RTXR2S4IKZ8HCXHER/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Shaun Paul https://www.grassrootsfinanceaction.org/robert-scarlett daily 0.75 2021-03-04 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614278175488-7HWUBGG0M1U8VGYVJM10/Scarlett_4627%2BRob%2BScarlett%2Bheadshot%2B-6108-2_smaller.jpg Robert Scarlett https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614278266210-DUI5YGG573B00NBKGRJ6/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Robert Scarlett https://www.grassrootsfinanceaction.org/mauricio-l-miller daily 0.75 2021-04-12 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614278730169-C0TV0Y4I0TVAHGY7F5ST/Screen%2BShot%2B2021-02-25%2Bat%2B12.23.57%2BPM.jpg Mauricio L. Miller https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614278772367-RG69ZZ2NSGKEP3JXYTUS/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Mauricio L. Miller https://www.grassrootsfinanceaction.org/achyut-hari-aryal daily 0.75 2021-03-04 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614273569346-70MD19E93SCAH7AMLU4S/Achyut%2527s%2Bphoto%2B%25281%2529.jpg Achyut Hari Aryal https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614278302217-52VIT11P5BVA610983TP/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Achyut Hari Aryal https://www.grassrootsfinanceaction.org/jerry-harrisonburns daily 0.75 2021-04-12 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614884810108-EWBH7SVFX4YIHIS8BNTZ/Screen%2BShot%2B2021-03-04%2Bat%2B1.06.11%2BPM.jpg Jerry Harrison-Burns https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614884877135-7I47UP2JIXNV1RDMTMMN/Screen+Shot+2021-02-24+at+11.52.34+AM.png Jerry Harrison-Burns https://www.grassrootsfinanceaction.org/new-page daily 0.75 2021-03-04 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https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1615925799463-961P15U8K05AD3H3W62J/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Antonieta (Toni) Castro Cosío https://www.grassrootsfinanceaction.org/stephanie-ma daily 0.75 2021-03-22 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616429938802-WS9LTUQ7OFMIKDXRIQ1U/Photo_SM.JPG Stephanie Ma https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616430089704-59A623VRLBK05LGHWMXI/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Stephanie Ma https://www.grassrootsfinanceaction.org/lina-makino daily 0.75 2021-04-11 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616604740789-ROWK6Q7T0IGQR2IU5I63/IMG_6098.jpg Lina Makino https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616604887356-KVNFU4XKXXFYYEA8P8CZ/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Lina Makino https://www.grassrootsfinanceaction.org/gervase-adams daily 0.75 2021-04-12 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616603437436-EY1OXBCK0NR7LHHVM812/1M5A2136.JPG Gervase Adams https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616603589690-LDQANLUUWGNI3NACE258/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Gervase Adams https://www.grassrootsfinanceaction.org/jeff-kosmacher daily 0.75 2021-04-11 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616777522800-781DRKFMJYKZUNTKQG13/Kosmacher_Jeff_0010.jpg Jeff Kosmacher https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616777471496-HBI0BAP8DJQZFHKJHC1F/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Jeff Kosmacher https://www.grassrootsfinanceaction.org/new-page-1 daily 0.75 2022-03-15 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618163797391-72OLY3WRW43YWD5L1E2B/%25E1%2584%2589%25E1%2585%25B5%25E1%2586%25AB%25E1%2584%258C%25E1%2585%25A5%25E1%2586%25BC%25E1%2584%2592%25E1%2585%25A7%25E1%2586%25AB%2B%25E1%2584%2589%25E1%2585%25A1%25E1%2584%258C%25E1%2585%25B5%25E1%2586%25AB.jpg Jong-Hyon Shin https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618164182314-OA8JSECIAIMVS8O1R8A3/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Jong-Hyon Shin https://www.grassrootsfinanceaction.org/poorvaja-sundar daily 0.75 2021-04-29 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618243192290-TJFF4UXQYVN3KZN4V278/Screen%2BShot%2B2021-04-12%2Bat%2B10.59.24%2BAM.jpg Poorvaja Sundar https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618243244977-EP9P1Z04LZUIGXKX2EVP/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Poorvaja Sundar https://www.grassrootsfinanceaction.org/joinus daily 0.75 2022-01-05 https://www.grassrootsfinanceaction.org/new-page-2 daily 0.75 2022-01-20 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1642627204674-A4JPUQWA2XCNQAMO2N5F/Screen+Shot+2022-01-19+at+4.19.41+PM.png new home page https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1642627488140-9W0Y5NSKJWGLESNG5ZAX/Screen%2BShot%2B2022-01-19%2Bat%2B4.19.33%2BPM.jpg new home page https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1642627602323-SZD45M7CEVUZ3KWVLNXP/Screen+Shot+2022-01-19+at+4.19.50+PM.png new home page https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/9d94a5a8-c2d2-4485-b6e5-96aa33fb9f02/Grassroots+Finance+Action+Logo+Draft+2+%282%29.jpg new home page https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1642627815859-GPVSXSTOXAJA4W975780/Screen+Shot+2022-01-19+at+4.19.41+PM.png new home page https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1642627602323-SZD45M7CEVUZ3KWVLNXP/Screen+Shot+2022-01-19+at+4.19.50+PM.png new home page - We need your support A savings-based approach will become increasingly necessary as the poorest countries and poorest regions cope with increasing challenges of climate change, scarce and depleted land, and endemic conflict. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/6036834f-6fa6-4cd1-b0a9-19f4e26fa14f/Screenshot+2021-04-29+at+3.23.42+PM.jpg new home page Country 1 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618851746471-8MV1R3224SZWK0JBZGSN/Screen%252BShot%252B2021-02-25%252Bat%252B1.37.03%252BPM.jpg new home page Country 2 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/cde144b4-69e2-4b25-b8ba-7eb84a4d54f9/Screenshot+2021-04-29+at+3.23.02+PM.jpg new home page Country 3 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/6036834f-6fa6-4cd1-b0a9-19f4e26fa14f/Screenshot+2021-04-29+at+3.23.42+PM.jpg new home page Country 4 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618851746471-8MV1R3224SZWK0JBZGSN/Screen%252BShot%252B2021-02-25%252Bat%252B1.37.03%252BPM.jpg new home page Country 5 https://www.grassrootsfinanceaction.org/resources daily 0.75 2022-04-19 https://www.grassrootsfinanceaction.org/home-1 daily 0.75 2022-01-20 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614109354309-I40WUB05NGHTK0KCTJQM/Screen%252BShot%252B2021-02-23%252Bat%252B1.36.11%252BPM.jpg Home (Copy) https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614109335233-24OF6BHUCFWB9GNZIJY1/Screen%252BShot%252B2021-02-23%252Bat%252B1.39.37%252BPM.jpg Home (Copy) https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614109534520-JFF82C2SQZJC40PEEGRA/Screen%252BShot%252B2021-02-23%252Bat%252B1.43.59%252BPM.jpg Home (Copy) https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614281527234-S5T68MD2E96XP8ZY0W4A/Screen%2BShot%2B2021-02-10%2Bat%2B2.34.49%2BPM.jpg Home (Copy) - Our Mission GFA’s mission is to learn about, help shape, build to scale, and facilitate the global exchange of locally developed grassroots financial solutions. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1614281594629-ONNPZU19A9VXZFVSLJ2A/Screen%25252BShot%25252B2021-02-11%25252Bat%25252B10.35.50%25252BAM.jpg Home (Copy) - Our Research Our dedicated network provides research and results from diverse savings group initiatives which are available in our online database. https://www.grassrootsfinanceaction.org/zaynab-abdi daily 0.75 2022-02-20 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/5223a954-eee9-44bf-a8bb-a5fe93d8bcec/Zaynab_s+Headshot.jpg Zaynab Abdi https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618243244977-EP9P1Z04LZUIGXKX2EVP/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Zaynab Abdi https://www.grassrootsfinanceaction.org/kylin-gao daily 0.75 2023-08-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/96197fe4-77a1-40bb-9faa-f0bc225ee328/IMG_4200.jpg Kylin Gao https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618243244977-EP9P1Z04LZUIGXKX2EVP/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Kylin Gao https://www.grassrootsfinanceaction.org/liz-bara daily 0.75 2023-08-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/f1091daf-772e-407f-a459-650296370673/liz.jpeg Liz Bara https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618243244977-EP9P1Z04LZUIGXKX2EVP/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Liz Bara https://www.grassrootsfinanceaction.org/jack-farren daily 0.75 2023-08-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/65ac4068-d519-4423-be8e-c98bdf64417a/JackFarrenPic.jpg Jack Farren https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618243244977-EP9P1Z04LZUIGXKX2EVP/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg Jack Farren https://www.grassrootsfinanceaction.org/tcp-global daily 0.75 2026-01-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/4590d786-61d8-4295-bec4-8435ecfd1aca/Screenshot+2026-01-26+at+2.00.44+PM.png https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/b2fe2569-fc35-4115-b79c-2351b6428477/Screenshot+2026-01-26+at+2.25.47+PM.png https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/3b7c5b78-e70f-4a83-84a1-df0ea77109f5/Screenshot+2026-01-26+at+2.25.12+PM.png https://www.grassrootsfinanceaction.org/moja daily 0.75 2026-01-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/8e61f1b6-beff-4923-8265-603233f0a011/Screenshot+2026-01-26+at+2.29.59+PM.png https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/51a3b6f1-4d96-4adc-84a8-e52934eb38bf/Screenshot+2026-01-26+at+2.33.48+PM.png https://www.grassrootsfinanceaction.org/rotary daily 0.75 2026-01-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/9c68b67b-705f-4f53-a15f-0c36cf0a3b41/unnamed+%281%29.jpg https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/37ec8343-0bdf-4f65-a992-02bfaf21ae53/Screenshot+2026-01-26+at+2.38.29+PM.png https://www.grassrootsfinanceaction.org/himalaya daily 0.75 2026-01-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/ac8d12a5-6f8e-4874-905e-1e7dedfc34d6/Screenshot+2026-01-26+at+2.47.42+PM.png https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/115e5433-0949-4aca-acff-5b65d95e16b9/Screenshot+2026-01-26+at+4.02.32+PM.png https://www.grassrootsfinanceaction.org/miller daily 0.75 2026-01-26 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/3fe70a8b-2030-4782-b51b-0c163ec94689/Screenshot+2026-01-26+at+4.39.08+PM.png G. David Miller https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618243244977-EP9P1Z04LZUIGXKX2EVP/Screen%2BShot%2B2021-02-24%2Bat%2B11.52.34%2BAM.jpg G. David Miller https://www.grassrootsfinanceaction.org/our-work daily 0.75 2025-07-11 https://www.grassrootsfinanceaction.org/our-work/in-country-programs monthly 0.5 2022-01-29 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1619724129974-WCY5KIWK1Q5NHJTSD72R/2273002.jpg Our Work - In-Country Programs (upcoming) - Creative learning through making and moving Our in-country program initiatives are currently in the progress of being finalised. Stay tuned for more information! https://www.grassrootsfinanceaction.org/our-work/big-kids-rshhj monthly 0.5 2021-04-29 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616001909329-FGULR5O9Z99M4X645UCJ/Screen%252BShot%252B2021-02-10%252Bat%252B2.42.49%252BPM.jpg Our Work - Community Genius - “Community Genius” Initiative Community genuises are imperative to share the best practices amongst those leading ROSCAS and for targeting remittances, generating further investments in local business and improving the community infrastructure. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616002202600-TMS46HBYL2M85MF991J3/Screen%2BShot%2B2021-03-17%2Bat%2B11.28.04%2BAM.jpg Our Work - Community Genius - Mayan Women’s Prosperity Initiative This initiative seeks to explore how rotary clubs can empower and help bring prosperity to Guatemala’s poorest women. https://www.grassrootsfinanceaction.org/our-work/little-kids-h5xxg monthly 0.5 2025-07-11 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/aebdda13-853e-4cb2-a0b7-3683a186613b/Screenshot+2025-06-28+at+4.03.07+PM.png Our Work - Our Projects - Immigrants Need “Backyard Bankers” More Than Banks Read the Report here. Video from September 2024 by Jeffrey Ashe (Grassroots Finance Action). https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/7794f0e7-b21d-4bd0-ade1-b27b11cff317/Screenshot+2025-01-05+at+2.31.02+PM.png Our Work - Our Projects - Backyard Bankers: Immigrants, Money Clubs, and the Pursuit of the American Dream Hard copy book by Jeffrey Ashe and Kim Wilson https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/ebed087c-64c2-4648-93e8-43f84275073a/Screenshot+2025-01-05+at+2.23.22+PM.jpg Our Work - Our Projects - A closer look: Guatemala Video Watch the video here. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/4108b65f-7a16-48f4-af4c-46af7d29d4ea/Screenshot+2025-01-05+at+2.15.23+PM.png Our Work - Our Projects - How Immigrants and Villagers Create Their Own Financial Inclusion What we can learn from informal economies Article from March 14th, 2023 by Jeffrey Ashe. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/2af2981b-ef4f-4945-86d9-b0ab89752944/Screenshot+2025-01-05+at+7.17.35+PM.png Our Work - Our Projects - Recommended Read: We Are Not Able to Live in the Sky: The Seductive Promise of Microfinance Read the book review here. Book from June 2024 by Mara Kardas-Nelson https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/17408aed-f917-4857-ae40-e7b45b3e8b2e/Screenshot+2025-01-05+at+2.12.11+PM.png Our Work - Our Projects - The Path to Financial Inclusion Must Include Saving in Small Groups Re-envisioning how to serve the poorest, building on their capacity to direct their own development Article from September 8th, 2022 by Jeffrey Ashe (Grassroots Finance Action). https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/f29243c0-88d8-400e-8d5d-3ff72104e2a6/Screen+Shot+2023-08-26+at+8.46.29+AM.png Our Work - Our Projects - Yunus Was Wrong — Savings, Not Credit, is a Human Right: Here’s How the Financial Inclusion Sector Can Shift its Focus Article from Aug. 14th, 2023 by Jeffrey Ashe. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/a4a34f23-3ccd-49b3-88a6-2cf06083a041/Screen+Shot+2023-08-26+at+8.54.16+AM.png Our Work - Our Projects - Opportunity International UK (OIUK) teams up with Rural Inclusion to train over 10,000 refugees in Uganda until 2025 with Ostrii Article from July 19th, 2023 by Jack Farren (Rural Inclusion). https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/a7ccd020-b37f-41d8-80c7-3940a43c0f60/ladder.jpeg Our Work - Our Projects - Lessons from Lynn: Leveraging Savings Circles, the “Cuchubal Initiative” Article from Jan. 18th, 2023 by Jeffrey Ashe and Hugo Carvajal. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1618851746471-8MV1R3224SZWK0JBZGSN/Screen%252BShot%252B2021-02-25%252Bat%252B1.37.03%252BPM.jpg Our Work - Our Projects - In Their Own Hands An review of Jeffrey Ashe’s book In Their Own Hands: How Savings Groups are Revolutionizing Development. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/a4f130df-587b-4ede-afca-78c75f94dc8a/Screen+Shot+2022-01-29+at+2.47.28+PM.jpg Our Work - Our Projects - Feasibility Study Mayan Women’s Prosperity Initiative Department of Solola, Guatemala Presentation from May 6th, 2021. The presentation goes over the origin of Savings for Change (SfC) in Chalatenango, El Salvador, success from 2008 to today, how SfC adapted its program in Guatemala, and Mayan Woman Initiative in the future. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/a9b7dfcb-fda3-4ce4-a74d-a040508b093c/8755effe5f79435a99fed2749e2c2b69_18.jpg Our Work - Our Projects - Selected Interviews for Susu Groups in the Upper West Region of Ghana by Gervase Adams “The government's current collapse of various financial institutions has heightened the fears of many, especially with banking services such as savings and investment schemes. A lot of people have their funds locked up in banks and could not retrieve them…With the collapse of these banks, many people, predominantly the northern part of the country, considered the poorest in Ghana, have not been spared.” — Excerpt from report https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/487aa4f1-891c-4c4d-a2aa-ab9d26fb1ad6/Screen+Shot+2022-01-29+at+2.21.45+PM.png Our Work - Our Projects - Overview and Project Implementation Guide by Jeffrey Ashe, Rob Scarlett, Jerry Harrison-Burns What we propose is an exceedingly low cost, sustainable, and we expect, rapidly growing approach to providing a better way to save and borrow for the poorest. Increasing the number of informal savings circles, whether these are based on community traditions or are trained initially by NGOs, adds an important dimension to “financial inclusion”. — Except from the guide. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/dcc505eb-ecf5-4b22-92c9-3c8747e3d244/flag_of_bolivia_state.jpg Our Work - Our Projects - 'We are Always Thinking of our Community': Bolivian Hometown Associations, Networks of Reciprocity, and Indigeneity in Washington D.C by Christopher Strunk In this article, [the author] analyzes the case of Bolivian migrants who left the Cochabamba region in Bolivia (sending community) or the Valle Alto region in Bolivia (sending community), but are now living in the Washington D.C. metropolitan area as their final destination (receiving community). —excerpt from report https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/900f2986-55f9-43ca-ad3e-6d2107e6270e/Screen+Shot+2022-01-29+at+1.59.36+PM.jpg Our Work - Our Projects - How to Achieve the American Dream on an Immigrant Income? by Jeffrey Ashe, Kim Wilson This chapter draws on case studies of immigrant communities living in the United States from Nepal, Bangladesh, Cambodia, Eritrea, Ethiopia, Kenya, Barbados, Haiti, Mexico, and El Salvador. The interviews were overseen by Jeffrey Ashe and Kim Wilson with research carried out by their graduate students from Brandeis, Columbia, and Tufts universities. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616000463079-3JSTQH9OD1QDZ1QR7M8M/Screen%2BShot%2B2021-02-10%2Bat%2B2.42.59%2BPM.jpg Our Work - Our Projects - Saving for Change in Guatemala and El Salvador by Jeffrey Ashe, Lina Makino, Gene Bianco Analysis and interviews carried out with 38 trainers (“promotoras”) and volunteers that formed savings groups in Guatemala and El Salvador as part of Oxfam America’s Saving for Change initiative. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/0b960e68-b841-4fa4-b8d2-e198d5140622/Screen+Shot+2021-02-25+at+12.58.25+PM.jpg Our Work - Our Projects - Saving for Change in Mali by Tara F. Deubel and Micah Boyer This study seeks to examine the relationship between economic growth and forms of political engagement and accountability, particularly within the context of fragile states and to provide practical insights toward developing the emerging character of Saving for Change. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616000638832-TBAHDT60I0Q1UUO3SLKQ/Screen+Shot+2021-02-25+at+12.58.25+PM.png Our Work - Our Projects - A new model for funding local impact by Jeffrey Ashe, Robert Scarlett, Susan Mills How ‘bottom-up’ rather than ‘top down funding can and already does drive local impact globally. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1616000798980-NG6GE9CANJ6NV5HPXEC1/Screen+Shot+2021-02-25+at+1.36.56+PM.png Our Work - Our Projects - Looking backwards to move forward by Jeffrey Ashe A look at what traditional ways of saving in groups can teach us. https://www.grassrootsfinanceaction.org/our-work/research-and-evaluation monthly 0.5 2022-01-29 https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1615998371128-M2BJTXNSSJLVN5PB2QKC/image-asset.jpeg Our Work - Research and Evaluation - Inception, development and growth of ROSCAS in low-income neighbourhoods in Mumbai Authored by Poorvaja Sundar, this research delves into the best practises followed by the saving groups as well as the potential for growth for the same in the community. Due to the pandemic and its impact on marginalised communities, the need for saving groups has never been more pressing. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1615998503454-44IRBXIKMPHJXZID6A54/image-asset.jpeg Our Work - Research and Evaluation - Extreme resilience amongst the informal sector in Mexico Authored by Lina Makino, this research takes a closer look at the resilience of the Mexican informal sector and their creative solutions to survive the economic challenges brought on by the COVID-19 pandemic. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1619727935184-7NNQ3SYCUMD7XOK7WN0Q/Grassroots+Finance+Action+Logo+Draft+2+%281%29.jpg Our Work - Research and Evaluation - Immigrants who achieve the American Dream Authored by Jeffrey Ashe and Kim Wilson, this research focuses on how immigrant households save up in groups to transform income that is irregular and uncertain into meaningful sums of cash. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1619724580030-9V000I4G56Y6TVGLYXVV/Grassroots+Finance+Action+Logo+Draft+2+%282%29.jpg Our Work - Research and Evaluation - Savings groups in Dhukuti in the New York Nepali-Speaking Community Authored by Tsechu Dolma, this research delves deeper into the local savings groups within the Nepali-speaking community in NYC and the breakdown of their success. https://images.squarespace-cdn.com/content/v1/5fcba65682bf804830ede104/1619724465362-WXUZFKENIHOBB1NGSL1O/Screenshot+2021-04-29+at+3.23.02+PM.png Our Work - Research and Evaluation - Role of informal financial sectors in Ethiopia- ‘Iqqub” and beyond Authored by Hanna T Habtemichael, this research interviews Ethiopian immigrants who are members of savings circles in the U.S. and explores the important role the informal sector plays in their livelihood.