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How SILC Members Use Their Money: A Study of SILC Fund Use in Zambia

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.

Download the PDF (796 KB)


1. Introduction 1
About SILC 1
Purpose of this study
2. Project Design and Methodology 1
Sampling Plan and Site Selection 2
Participant Recruitment 2
Interview Tool Development and Data Collection
3. Data Analysis Techniques
4. Research Findings 3
Loan Fund Use 3
Loan Delinquency and Defaults 9
Social Fund Use 12
Shareout Fund Use 14
Benefits and Perceived Impacts of SILC
5. Research Challenges 27
Participant Selection by Field Agents 27
The Use of Field Agent Supervisors as Translators 27
Perceived Impacts of SILC
6. Conclusion
Appendix A: Scope of Work 30
Appendix B: Interview Questionnaire 37


Publication details

Author: Trisha Taneja
Publisher: Catholic Relief Services (October 2013)
Report: 58 pages
Language: English
Dimensions: 8.5 x 11 inches

Posted on October 17, 2013

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