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Community finance

Sometimes just having a safe place to save, or access to a small loan, can help a family work its way out of poverty. But many poor people can't go to banks and credit unions for that kind of help. Often, these services aren't available, especially in rural areas—and where they are available, poor people may not qualify. Oxfam America's innovative, fast-growing community finance program, Saving for Change, provides much-needed savings and lending services to those who have been left behind.

Through our Saving for Change program, Oxfam helps poor people in Mali, Senegal, El Salvador, and Cambodia improve their livelihoods and build a better future by increasing their access to financial services.

“Oxfam is investigating the credit and savings needs of those affected by the devastating earthquake in Haiti. Oxfam America’s Saving for Change program has proven to be particularly effective in places where the formal banking system is nonexistent, inefficient, or difficult for poor people to work with. As part of a comprehensive Haitian-led recovery effort, we will assess the potential usefulness of Saving for Change in this setting.” — John Ambler, Senior vice president for programs, January 2010

OXFAMExchange Fall 2009
Facing Down Hunger: The global food crisis one year later
Working together to end poverty and injustice
An overview of Oxfam America and our approach to poverty relief and lasting social change.
Oxfam in West Africa
Across the vast Sahel and down through the lush rainforests of Ghana, there is a growing sense of possibility.
OXFAMExchange Spring 2007
A Fragile Balance
Oxfam in Central America, Mexico, and the Caribbean
All across this diverse and beautiful territory, new faces of leadership are emerging. Women, rural communities, and small farmers are adding their voices to the political dialogue, calling on their governments: Hear us now.
OXFAMExchange Fall 2005
The Chance to End Poverty
OXFAMExchange Spring 2004
Engendering an Equitable Society: Focus on Women's Rights
OXFAMExchange Winter 2003
Mary Robinson on human rights, functional literacy in West Africa, and saving the family farm
More publications
Oxfam America Organizing Guide
Tips for taking action in your community
Oxfam America House Party Guide
Tools for hosting a high-impact event
More tools for activists
Saving for Change
Oxfam America has pioneered an alternative microfinance model called Saving for Change, which self-replicates on a large scale and at a low cost, serving those who have been left behind.
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Saving for Change helps communities in Cambodia address financial difficulty

Saving for Change helps communities in Cambodia address financial difficulty

For Sean Ing, joining Saving for Change has allowed her to manage large expenses that would have cost her dearly if she had visited a money lender.

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Women in Mali lead Saving for Change

Women in Mali lead Saving for Change

An innovative savings and loan program is helping people work their own way out of extreme poverty. Women in Mali are leading the way as the program expands to other countries and continents.

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Microinsurance builds resilience after tsunami

Microinsurance builds resilience after tsunami

Fishing families in Andhra Pradesh, India are relying on microinsurance to keep them out of debt to money lenders and help them save a little of what they earn.

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Food on the table and savings on hand

Food on the table and savings on hand

An innovative agriculture technique is producing 50-150 percent more rice and increasing the incomes of more than 80,000 people.

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Saving for Change reaches 100,000 members in West Africa

Saving for Change reaches 100,000 members in West Africa

Innovative microfinance program continues to attract new participants in Mali, Senegal, and Burkina Faso.

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Saving for Change reaches 100,000 members

Saving for Change reaches 100,000 members

Since the program's launch in April 2005, more than 100,000 poor women and men in Mali, Senegal, Burkina Faso, and Cambodia have joined savings and lending groups.

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Numbers don't lie

Numbers don't lie

Early success of innovative finance program impresses experts in Mali.

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Spreading the wealth

Spreading the wealth

In Mali, women help others start their own saving and loan groups.

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Gradual change in the status of women

Gradual change in the status of women

Saving for Change doesn't just help women earn money—it is a means to change their role in the family and the village.

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