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Post-Project Replication of Savings Groups in Uganda

Years after international development organizations helped Ugandan villagers create savings-and-loan groups, new groups continued to form on their own. These new, “replicated” groups outnumbered original project groups by 2 to 1. Unlike Bangladesh’s Grameen Bank and other micro-finance institutions, village savings-and-loan groups are completely organized and managed by villagers themselves, with 100% of returns being shared by the members.

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