Limits of Impact
Despite these important, measurable accomplishments, some of the hypothesized impacts of the program were not found in the research by IPA and BARA.15 Namely, while consumption smoothing was clearly happening—as was shown in the improvements in food security over the course of a year, the increase in the value of livestock, and the use of loans throughout the year—total income itself did not increase during the time period of the study, although it was better distributed throughout the year.16 Saving for Change increased community-level resilience to cope with seasonal food shortages by helping members respond to shocks.
However, Saving for Change in Mali had not catalyzed the long-term community transformations that our team hoped it would, such as increases in school enrollment and money spent on healthcare.17 The timeframe of the impact evaluation may have been too short for these effects to materialize, or difficult years may have prevented these anticipated benefits from emerging. It may also be that Saving for Change does not in fact cause these desired effects.
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