Village Savings & Loan Associations (VSLA)
- Financial Empowerment at the Grassroots
Helping youth and single mothers build savings, access credit, and grow together — one group at a time.
Financial Independence Starts With Collective Power
Many youth and single mothers in North Eastern Uganda, Kalaki District do not have access to formal banking services. Without savings or credit options, they are forced to rely on unsafe lenders — keeping them in a cycle of poverty and fear.
IYF’s VSLA model gives these groups the power to save, borrow, and grow their income — together, safely and sustainably.
How the VSLA Model Works
Group Formation
15–30 members form a self-managed savings group.
Weekly Contributions
Each member saves what they can consistently.
Loan Access
Members can borrow from the pooled savings for emergencies or business.
Financial Training
IYF provides training in savings, budgeting, business, and conflict resolution.
Share-Out
At the end of each cycle, profits are distributed to members.
Training Focus Areas
- Basic Financial Literacy
- Group Governance & Record Keeping
- Entrepreneurship & Business Planning
- Conflict Resolution & Trust Building
Who Can Join?
Open to the Determined and Willing
Our VSLA program is open to youth and single mothers facing economic hardship, especially those without access to banking. With basic training and community support, we guide every group toward self-reliance.