The State of Linkage Report: The first global mapping of savings group linkage

The State of Linkage Report provides, for the first time, a global mapping of linkage activity – the process through which informal savings groups are able to access products and services from formal financial service providers (FSPs). The report identifies where linkage is taking place, the organisations that are currently offering group savings and credit products, and the kind of products being offered.

The report, which was commissioned by Barclays, CARE International and Plan UK in support of the Linking for Change Savings Charter, identifies 106 active savings group products that are offered by 95 formal financial institutions across 27 countries. It includes an analysis of insights from the research; a detailed list of linkage activity, organised by country; and suggestions for further research and investigation.

  • Countries: Global
  • Co-authors: Barclays, Plan UK
  • Published: February 2016

Related Publications

Women’s economic empowerment in emergency contexts – Niger: A Case Study

This report, based on research into CARE humanitarian interventions in Niger, analyses whether community-led savings groups and income-generation activities can represent a way not only to respond to crises, but also to increase women’s... Read more...


CARE International Women’s Economic Empowerment Impact Report 2018

Women still have fewer economic rights, less access to economic opportunities and less control over economic resources than men due to a range of social, legal and political inequalities. Women’s economic empowerment (WEE) is one of four... Read more...


Women on the Move Annual Report 2018

Women on the Move is a CARE regional strategy to mobilise savings groups in West Africa, so that women and girls can assert their basic economic and social rights. Evidence has shown that women-led savings groups are a powerful platform for... Read more...


State of practice: Savings groups and the role of government in sub-Saharan Africa

In recent years, governments across sub-Saharan Africa have deepened their engagement with savings groups, recognising the potential of the community-based microfinance model to contribute to national development agendas. This report, based on an... Read more...


Insuring for a changing climate - A review and reflection on CARE’s experience with microinsurance

The impact of climate change is already having devastating effects on lives and livelihoods. Planning and programming to strengthen climate resilience is now commonplace in development interventions. As part of a set of disaster risk financing... Read more...