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Papers/Reports | July 7, 2013

How SILC Members Use Their Money

A Study of SILC Fund Use in Zambia

There is much anecdotal evidence to suggest participation in savings and internal lending communities (SILC) helps members to meet key household needs. However, there is little information on exactly how members are using SILC funds and how these uses improve their livelihoods. This product-use study provides insight into exactly how members are using the three primary SILC funds (loans, social fund, and savings at share-out), how these uses are affecting livelihoods and how SILC group members perceive the funds.


  • Project design and methodology

  • Data analysis techniques

  • Research findings

  • Research challenges

  • Conclusion