Contents

Foreword: Frances Moore Lappe

Cofounder, Small Planet Institute ix

Preface: Ray Offenheiser

President, Oxfam America xiii

INTRODUCTION

Beginning a Savings Revolution -

They Know How ³

CHAPTER 1

Guiding Principles for Saving for Change 23

CHAPTER 2

A Group Meeting 29

CHAPTER 3

“Dependency Is Not Empowering” 51

CHAPTER 4

Getting Started with Saving for Change 73

CHAPTER 5

The Most Productive Asset of All:

Empowering Friends and Neighbors 95

CHAPTER 6

How Do We Know It Works? 117

CHAPTER 7

Applying Savings Group Principles

to Other Development Initiatives 135 CONCLUSION

Bringing Savings Groups to Fifty

Million People 143

Notes 149

Bibliography 159

Additional Resources 169

Acknowledgments 175

Index 179

About the Authors 187

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