loan funds entirely composed of members' savings, keeping the time-bound savings and lending methodology very simple and limiting external involvement to a one-year training and follow-up period. This article describes how the methodology works in principle and practice and describes evaluation
results from the CARE VS&L programme in Zimbabwe, where very high rates of inflation pose a challenge to any microfinance programmes. Finally the need for management information systems and better record keeping are identified as issues that need further development.
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