Publications by marc bavois
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CRS Resilience Framework
Catholic Relief Services conducts resilience programming that spans many (if not all) key technical areas and sectors, while also engaging at the level of individuals, households, communities, and systems. Doing so requires (1) understanding the consequences of different shocks and stressors, (2...More
The Value of Sharia-Compliant Savings Groups
Conventional savings groups (SG) consist of 15-30 self-selecting members and provide their members with two means for obtaining useful lump sums of money to invest in business or household needs, but the interest payments on loans exclude or discomfit many of those, including Muslims, whose...More
SILC Field Agent Guide 5.1.1S-Sharia-compliant
The SILC FA Guide Version 5.1.1S is fully compliant with the Sharia (Islamic Law). It is grounded in the...More
SILC Pro-Poor Strategy
The SILC Pro-Poor Strategy seeks to promote the inclusion of poorer community members in SILC. The strategy comprises promotional approaches, new group savings policies and SILC Private Service Provider (PSP) fee structures, revised language in all training materials to improve SILC outreach to...More
SILC Field Agent Guide 5.1
This guide describes how to establish Savings and Internal Lending Communities (SILC). The instructions are intended for two audiences: field agents and those who train and supervise...More
Savings Groups and Consumer Protection: Risk Mitigation through Community-Based Structures
Catholic Relief Services (CRS) Savings and Internal Lending Communities, or SILC, model is based on an innovative fee-for-service delivery channel that trains and certifies Private Service Providers (PSPs), local social entrepreneurs who form and train Savings Groups for a fee paid by the group...More
Savings Groups and Consumer Protection: How Savings Groups Responded to Insecurity and Theft in Madagascar
For millions of financially excluded individuals worldwide, Savings Groups offer the opportunity to save and borrow small amounts of cash in a convenient, accessible and generally safe manner. But a recent risk assessment of Savings Groups in Burkina Faso, Madagascar, Rwanda and Tanzania,...More
Private Service Provider Implementation Manual
This manual provides step-by-step guidance to local organizations that wish to use the Private Service Provider, fee-for-service approach to implementing a savings group program.More