Project Description


In a large evaluation project for the Zambian government, the development of the rural financial sector is supported and assessed.

Zambia hosts a large rural population, which, given the low population density, is neither well served by the formal banking system nor by the microfinance sector. However, village savings and loan associations exist as informal savings clubs that provide access to credits.


To bolster these village institutions and to develop linkages to the formal financial sector, credit linkages and insurance components are introduced and evaluated via a large-scale randomized controlled trial in about 1000 communities