This article reports from a church-based savings and credit group's project called Tuinuane, in Kenya. The project builds upon the Worth programme of PACT, but has added some interesting and innovative features allowing country-wide outreach. First, it utilizes a church institution; second, it avoids the use of field officers and instead group leaders are screened and trained through a detailed implementation plan; and third, it uses mobile phones in planning, monitoring and follow-up efforts. The attachment to the church and access to mobile phones makes plausible, low-cost, long-term contact with mature groups.

Allen, H. (2006) ‘Village savings and loans associations: Sustainable and costeffective rural finance’, Small Enterprise Development Vol. 17 No. 1.

Ashe, J. (2002) ‘A symposium on savings-led microfinance and the rural poor’, Journal of Microfinance Volume 4 Issue 2, pp 127-135

Ashe, J. and Parrott, L. (2002) ‘PACT's women's empowerment program in Nepal: A savings- and literacy-led alternative to financial building’, Journal of Microfinance Volume 4 Issue 2, pp 137-162.

Bussau, D. and Mask, R. (2003) Christian Microrenterprise Development: An Introduction, Regnum Books, Oxford.

Fikkert, B. (2003) Christian Microfinance: Which Way Now?, paper presented at Association of Christian Economists, 20th Anniversary Conference, Washington.

Grant, W. J. and Allen, H. (2002) ‘CARE's Mata Masu Dubara (Women on the Move) Program in Niger: Successful financial intermediation in the rural Sahel’, Journal of Microfinance Volume 4 Issue 2, pp 189-216.

Johnson, S., Malkamaki, M. and Wanjau, K. (2006) ‘Tackling the "frontiers" of microfinance in Kenya: The role for decentralized services’, Small Enterprise Development Vol. 17 No. 3.

Murray, J. and Rosenberg, R. (2006) ‘Community-managed loan funds: Which ones work?’, Small Enterprise Development Vol. 17 No. 3.

Rutherford, S. (2000) The Poor and their Money, Oxford University Press, Delhi.

Allen, H. (2006) ‘Village savings and loans associations: Sustainable and costeffective rural finance’, Small Enterprise Development Vol. 17 No. 1.

Ashe, J. (2002) ‘A symposium on savings-led microfinance and the rural poor’, Journal of Microfinance Volume 4 Issue 2, pp 127-135

Ashe, J. and Parrott, L. (2002) ‘PACT's women's empowerment program in Nepal: A savings- and literacy-led alternative to financial building’, Journal of Microfinance Volume 4 Issue 2, pp 137-162.

Bussau, D. and Mask, R. (2003) Christian Microrenterprise Development: An Introduction, Regnum Books, Oxford.

Fikkert, B. (2003) Christian Microfinance: Which Way Now?, paper presented at Association of Christian Economists, 20th Anniversary Conference, Washington.

Grant, W. J. and Allen, H. (2002) ‘CARE's Mata Masu Dubara (Women on the Move) Program in Niger: Successful financial intermediation in the rural Sahel’, Journal of Microfinance Volume 4 Issue 2, pp 189-216.

Johnson, S., Malkamaki, M. and Wanjau, K. (2006) ‘Tackling the "frontiers" of microfinance in Kenya: The role for decentralized services’, Small Enterprise Development Vol. 17 No. 3.

Murray, J. and Rosenberg, R. (2006) ‘Community-managed loan funds: Which ones work?’, Small Enterprise Development Vol. 17 No. 3.

Rutherford, S. (2000) The Poor and their Money, Oxford University Press, Delhi.

Allen, H. (2006) ‘Village savings and loans associations: Sustainable and costeffective rural finance’, Small Enterprise Development Vol. 17 No. 1.

Ashe, J. (2002) ‘A symposium on savings-led microfinance and the rural poor’, Journal of Microfinance Volume 4 Issue 2, pp 127-135

Ashe, J. and Parrott, L. (2002) ‘PACT's women's empowerment program in Nepal: A savings- and literacy-led alternative to financial building’, Journal of Microfinance Volume 4 Issue 2, pp 137-162.

Bussau, D. and Mask, R. (2003) Christian Microrenterprise Development: An Introduction, Regnum Books, Oxford.

Fikkert, B. (2003) Christian Microfinance: Which Way Now?, paper presented at Association of Christian Economists, 20th Anniversary Conference, Washington.

Grant, W. J. and Allen, H. (2002) ‘CARE's Mata Masu Dubara (Women on the Move) Program in Niger: Successful financial intermediation in the rural Sahel’, Journal of Microfinance Volume 4 Issue 2, pp 189-216.

Johnson, S., Malkamaki, M. and Wanjau, K. (2006) ‘Tackling the "frontiers" of microfinance in Kenya: The role for decentralized services’, Small Enterprise Development Vol. 17 No. 3.

Murray, J. and Rosenberg, R. (2006) ‘Community-managed loan funds: Which ones work?’, Small Enterprise Development Vol. 17 No. 3.

Rutherford, S. (2000) The Poor and their Money, Oxford University Press, Delhi.

Allen, H. (2006) ‘Village savings and loans associations: Sustainable and costeffective rural finance’, Small Enterprise Development Vol. 17 No. 1.

Ashe, J. (2002) ‘A symposium on savings-led microfinance and the rural poor’, Journal of Microfinance Volume 4 Issue 2, pp 127-135

Ashe, J. and Parrott, L. (2002) ‘PACT's women's empowerment program in Nepal: A savings- and literacy-led alternative to financial building’, Journal of Microfinance Volume 4 Issue 2, pp 137-162.

Bussau, D. and Mask, R. (2003) Christian Microrenterprise Development: An Introduction, Regnum Books, Oxford.

Fikkert, B. (2003) Christian Microfinance: Which Way Now?, paper presented at Association of Christian Economists, 20th Anniversary Conference, Washington.

Grant, W. J. and Allen, H. (2002) ‘CARE's Mata Masu Dubara (Women on the Move) Program in Niger: Successful financial intermediation in the rural Sahel’, Journal of Microfinance Volume 4 Issue 2, pp 189-216.

Johnson, S., Malkamaki, M. and Wanjau, K. (2006) ‘Tackling the "frontiers" of microfinance in Kenya: The role for decentralized services’, Small Enterprise Development Vol. 17 No. 3.

Murray, J. and Rosenberg, R. (2006) ‘Community-managed loan funds: Which ones work?’, Small Enterprise Development Vol. 17 No. 3.

Rutherford, S. (2000) The Poor and their Money, Oxford University Press, Delhi.