CRS’ relationship with local implementing partners is central to promoting the financial inclusion of vulnerable households.


2 partners
  • Caritas Kolda
  • NdeyiJirim


  • 4,010 Groups formed
  • 2,411,879 Value of Cycle’s savings
  • 111,242 SILC members
  • 1,574,864 Value of credits in progress
  • 91% Female members
  • 28% Return on savings
  • 99.5% Retention


CRS Senegal is leveraging the Private Service Provider Networks established during the EFI project to strengthen and expand the number of SILC groups.


In partnership with myAGRO, an organization which seeks to improve the ability of smallholder farmers to planandsaveto purchase agricultural inputs, SILC members are now linked to myAgro’s unique savings platform.

SILC members can now pay in advance for fertilizer, seed, and training packages using the myAGRO pre-paid scratch card. Similar to SILC, they are able to put away small sums of cash until it turns into a larger, more useful, lump sum. SILC PSPs also play a key role in introducing and signing up farmers for myAGRO and, with their strong social capital, are earning a high commission.


CRS Senegal, NdeyiJirim and Senegal’s Agency for Universal Healthcare areleveraging the EFI supported SILC groups to improve access to quality health care:

The 1st phase of the PAREL project was to target SILC groups to facilitate member registration and health care premium payment to local community-managed health cooperatives. These health cooperatives now credit the EFI project for producing a majority of the new household registrants since 2015.
Currently in its second phase, the PAREL project has plans to integrate digital financial services tofacilitate group savings and health care premium paymentson a mobile money platform. SILC members will then be able to make health insurance premiums remotely without needing to travel to a health center.

Poverty Outreach

In Senegal, a team of enumerators administered Progress out of Poverty Index (PPI) interviews in 56 villages to 271 SILC groups. In total, 8,468 SILC group members were interviewed.  In the same, or near-by, villages 1,858 PPI interviews were also administered. When comparing the SILC group members to the reference, the data show that the SILC group members were poorer.  When performing a village-by-village comparison, the researchers found that 61% of the SILC group members in Senegal came from the poorer half of their community.