In the Segou region of Mali, 82 percent of households polled in a recent survey live on less than $1.25 a day. The typical village is more than 14 miles from a paved road. As a result, few people have access to resources that many of us take for granted—like a place to save and borrow money, for example.

Enter Saving for Change, an innovative program from Oxfam America, Freedom from Hunger, and the Strømme Foundation. Focusing on rural villages like those in Segou, the program trains groups of women to save regularly; they borrow from their group’s fund to build small businesses or homes, or to buy essentials for their families. Members then repay loans from the group with interest. The model has taken off, and Saving for Change now has 680,000 members in 13 countries in Africa, Asia, and Latin America. (Read what members in Guatemala and in Senegal are saying about their experiences.)

Women from the Banakoro village Saving for Change group in Mali hand in their weekly savings contributions during a meeting in 2009. Photo: Rebecca Blackwell/Oxfam America

In Mali, where some of the first Saving for Change groups were founded, Oxfam and Freedom From Hunger conducted a three-year study exploring the impacts of the program. The results of the study, released last Friday, show that households in villages with savings groups experienced an 8 percent increase in food security and saved 31 percent more on average.

The groups helped in other ways, too. The study showed that the value of livestock held by households in participating villages increased by 13 percent compared to families in villages without the program. “Livestock are a critical safety net for families. The animals are a form of savings that can be sold in hard times. Imagine if your home value or stock portfolio increased by 13 percent—it could be game-changing for your family,” said Freedom from Hunger President Steve Hollingworth.

Learn more about Saving for Change and the results of the study here.

Larry Fitzgerald (white shirt) and Anquan Boldin (right) help women artisanal miners pound rock and sand. Photo by Audra Melton/Oxfam America

The village of Sabodala in eastern Senegal is going through an amazingly difficult transition.  Until several years ago the community had access to land on which they farmed for generations. They had clean water whenever needed.  The land provided a means of livelihood for the community while villagers turned to artisanal mining for gold in the dry season to earn extra money.

Then a mining company came in and seized their land—and everything changed. People could no longer farm in the same places. They still had access to water through a pump the mining company was generous enough to build in the village – but not generous enough to let the community use for free.  Villagers say that sometimes the pump was shut off for days at a time.  Farmers in Sabodala  were forced to depend on artisanal mining for basic necessities in a way they never had to before.  Seemingly overnight, mining changed from a way to generate supplemental income to the only way to earn a living year-round.

I stepped into this situation with NFL wide receivers Anquan Boldin, Larry Fitzgerald, and Roddy White on a visit with Oxfam to learn about our programs in the region and what they, their fans, and you can do to support our friends and partners on the ground.

The players saw one of the ways the community of Sabodala has responded to their newly created situation: the creation of a women’s Saving for Change group by a local association that was also working with Oxfam to help farmers get compensation for their lost land and improve access to water. Each individual member of the group saves and deposits about 25 cents a week (roughly $12 each year) to the group fund. That seemed like a small amount to the players and myself, but when combined with the entire group savings, is actually a good sum of money to save in eastern Senegal.  The members can then borrow small loans to meet emergency needs or fund a small business venture.  The group has given the women access to resources they desperately need.

Changing for the better

We spoke with women who say their lives have been changed for the better through creating and accessing the savings group.  It is helping them open up new businesses, money for health care for children in the community, and getting new clothes. Although a savings group won’t solve all the problems in Sabodala, it will help people survive some difficult changes.

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Photo: Creativos/Oxfam - click to enlarge

This week’s photo and story comes from Tjarda Muller, Oxfam communications officer in Central America.

Small-business owner Olga Alicia Pérez, pictured, lives in San Miguel Chicaj’, municipality of the department of Baja Verapaz in central Guatemala. “I make ice, jelly and fruit cocktails,” Pérez says. “Thank God, the business is doing well. My son studies and I am able to give him some money for a midday snack, or for the assignments he gets.”

Pérez is a member of an Oxfam Saving for Change group in her community, which helps her to keep her small business afloat. In Saving for Change, groups of 15 to 20 women combine their savings in a group fund. Members can borrow money from the fund to start or revive a small business, buy seeds and fertilizer for their land, or respond to an emergency. In Baja Verapaz, where 70 percent of the population lives in poverty, recurrent droughts as well as heavy rainfalls can devastate crops. Saving for Change provides an opportunity for women to lift themselves and their families out of these crisis situations.

“We fight; we struggle to save some money. This is a beautiful project. Many people in San Miguel Chicaj’ are involved now,” says Pérez.

The benefits of savings groups like these are now reaching far beyond Central America. Last week a group of international organizations, including Oxfam America, announced “50 by 2020,” an initiative to expand savings group membership globally from 6 million to 50 million by 2020.

Mariama Ly

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Photo: Holly Pickett/Oxfam America

Mariama Ly is getting ready for the Tabaski holiday in her village, Bandafassi, in eastern Senegal. It’s a quiet day in the village, as most are away at area markets buying what they need for the holiday feast in two days. But Ly seems more or less prepared: She already owns two sheep, the center of the traditional feast on the holiday, commemorating Abraham’s sacrifice to Allah.

Ly sells food like dried fish, vegetables, cooking oil, and spices. “It’s going well, “she says, standing near her thatched-roof home. “We’re meeting all our needs with this business.”

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A food seller in the market in Port-au-Prince, May 2010. Photo: Ami Vitale / Oxfam America

If you’ve been following the news, you know things in Haiti have been sounding pretty grim of late. Between the stories of the cholera epidemic affecting nearly 20,000 people, and issues of voting irregularities during the recent presidential elections, it can seem like the situation hasn’t improved much since the devastating earthquake that struck the capital last January. When two of my colleagues left for Haiti earlier this week to capture people’s perspectives on the one-year anniversary of the quake, I couldn’t help but worry about what they might find.

But if you look closely, there’s also been a trickle of good news mixed in with the bad. Recently, The New York Times published “Can Microlending Save Haiti?” , a look at how microloans are helping small businesses get back on their feet. While the story noted, rightly, that microlending isn’t a perfect solution, it did capture the resilience of Haitian business owners, many of whom have rebuilt in the face of overwhelming losses.

“I want to make my own money and care for my family,” entrepreneur Marie Ange Joute told The Times about her business selling eggs and heating oil from her house. “I want to provide for us if something goes bad. I know how to work.”

Many of Oxfam’s programs in Haiti are designed around people’s determination to get working again.

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Over the past few years I have visited a lot of communities affected by large-scale mining projects. In Honduras, Mali, Peru, Ghana, Guatemala, Cambodia, or Senegal, I usually hear about more or less the same problems: loss of land, loss of jobs, pollution, and despair.

No matter how much you hear about these problems, seeing them in the small towns, villages, and in the homes of people remembering a lost way of life is always shocking. I was reminded of this most recently in a small village called Faloumbou, in the far eastern border of Senegal. The entire village of 650 people, including all 35 of its farming families, had lost all the agricultural land they had used to grow millet, maize, and ground nuts. The government gave it to an Australian mining company. All their fields are now part of an open-pit gold mine. No one in Faloumbou had received any sort of compensation for lost land.

The chief of the village, Kourou Keita, asks a simple question: “We don’t know anything but farming, so if you take the land from us, how can we survive?”

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Photo: Zeenat Potia / Oxfam America

My initial impression of the village of Sirakoro, Mali, was an explosion of color. The women were dressed in bold prints, often with twirled head scarves, and yet their dazzling outfits contrasted sharply with the mud brown backdrop of their village. On the surface level, to my untrained eye, the poverty in Mali was different from the stark, in-your-face urban poverty that I grew up around in Mumbai, India. Here the struggles seemed subtle to a visitor, but were equally if not harsher. No running water or electricity, scarcity of food, and lack of adequate schools—to name a few.

I traveled to Mali recently to attend a conference on Saving for Change, Oxfam’s innovative microfinance program that empowers women through small, rural, community-based autonomous savings and lending groups. Saving for Change is now reaching 300,000 women, in almost half of the 10,000 villages in Mali. We went to six different remote villages and had the opportunity to see the savings groups conduct their meetings, and to talk with individual members about their experiences.

Despite President Obama’s assertion last week in his speech during the Millennium Development Goals Summit that the delivery of medicines to Mali is improving the health systems there, the UNDP statistics on Mali continue to be humbling. The overall illiteracy rate is 73.8 percent, with women faring much worse, and the average life expectancy is 48.1 years.

Yet, here we were witnessing change in difficult circumstances. The savings groups are comprised of about twenty women, and they sit around a circle conducting their business orally, often repeating the amount that each woman contributes, since no written records exist.

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Photo: David Stubbs / Oxfam America

Sometimes it’s the small details that can make a photo compelling. In the above image from Peru, the visual beauty of the blue sky constrasts starkly with the reality of the subject matter: the barbed wire, chain-link fence, and plateaus of digging around a mineral mine in Cerro de Pasco, Peru.

Photo: Rebecca Blackwell / Oxfam America

Members of a village savings group in Mali. Rebecca Blackwell’s photo beautifully captures the graphic details of the vivid fabrics that the women are wearing, as well as this gesture of welcome and respect that the women use to begin their meetings.

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Leaders of a Saving for Change group in Zantiebougou-Fala, Mali, keep track of deposits at a group meeting. Photo by Rebecca Blackwell/Oxfam America

Interesting news: we just heard that our Saving for Change program has broken the 250,000 participant barrier. According to the message we just got from our VP John Ambler, Saving for Change now has “more than 250,000 members, and operates in more than 6,000 villages on three continents.” This makes Saving for Change one of Oxfam America’s largest non-humanitarian programs.

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We’ve been looking at the photos we got from Senegal-based photographer Rebecca Blackwell from a trip in March in Mali to visit several Saving for Change groups in the southern part of the country near Bougouni. I want to share a few of Rebecca’s portraits and some quotes from the women we met, just because I have been thinking about them lately. I detected a common theme in each village and group: dignity. The women described how saving and borrowing money from their group helped them manage their affairs independently. You can see pride in their faces, and hear it in their words.

Soumba Doumbia. Photo by Rebecca Blackwell/Oxfam America

Soumba Doumbia, mid 30s, three children, sells cloth and clothing to earn extra money.

“Before we established our group, we had no hope. If we had problems and needed money, we had to go to a nearby town and borrow it. We would ask people here for help, but they did not always say yes. Now we can find money for our problems from the group.”

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