Savings Internal Lending Communities-SILC

The SILC (Savings Internal Lending Communities) is a savings methodology which is a holistic, savings-led microfinance approach that provides a safe place for Vulnerable households to save and borrow to increase their household income. SILC Project is a Livelihood project that assist communities form savings groups at the community level in order to uplift their livelihood through increase of their Social Capital in order to achieve household Economic Empowerment.

Caritas is Implementing two types of SILC (Conventional SILC and Shariah Compliant SILC) Caritas has formed 491 SILC groups to date in Ngaremara, Oldonyiro, Chari, Cherab, Sericho and Garbatulla wards, the project has trained 74 Field Agents across the six wards and 10 Field Agents Supervisors to implement the model. Caritas is working on a Sustainability approach of SILC through the PSP (Private Service Providers) Model where the Field Agents will be certified to become Private Service Providers in the community and continue to charge fee for service to the groups beyond project Support. Through SILC group members have been able to start small enterprises businesses as a result of loaning and Share-out money.

Noor SILC group during their weekly savings in Merti North, Cherab Ward

Medeo SILC group during there 3 rd Cycle Share out in Kiwanja Village, Ngaremara Ward

Caritas is Implementing two types of SILC (Conventional SILC and Shariah Compliant SILC) Caritas has formed 491 SILC groups to date in Ngaremara, Oldonyiro, Chari, Cherab, Sericho and Garbatulla wards, the project has trained 74 Field Agents across the six wards and 10 Field Agents Supervisors to implement the model. Caritas is working on a Sustainability approach of SILC through the PSP (Private Service Providers) Model where the Field Agents will be certified to become Private Service Providers in the community and continue to charge fee for service to the groups beyond project Support. Through SILC group members have been able to start small enterprises businesses as a result of loaning and Share-out money.

Adapted Nutrition Graduation Model - ANGM

The ANGM Poverty Graduation Approach is a holistic livelihood model designed to address the multi-dimensional needs of ultra-poor households vulnerable to acute malnutrition. It is a fully integrated 5-step suite of interventions, delivered in specific sequenced time-bound set of interventions, to help the extreme poor achieve sustainable livelihoods and enhanced nutrition status. The 5 steps include: Targeting, Formation of Business Savings Groups (BSG’s, Business skills and financial literacy training, Provision of small business start-up grants and Business and BSG mentoring.
Caritas Isiolo is Implementing the Adapted Nutrition Graduation Model within the Nawiri programme. The ANGM started with a Pilot in two of Isiolo wards (Ngaremara and Cherab) it’s through the findings from the Pilot the project rolled out ANGM in all the Nawiri targeted six Malnutrition Hotspot in Isiolo. The pilot seeked to assess the extent to which the approach is effective in alleviating acute Malnutrition in Kenyan Arid and Semi-Arid areas.

Nasaruni BSG during their end of cycle Share out in Lengurma village in Oldonyiro ward.

ANGM Implementation Model

Caritas is implementing a 12-month Poverty Graduation Model that has been adapted for Nawiri project implemented through 4 complementary interventions: Provision of unconditional cash transfers (UCTs) for consumption (Cash Smoothening), Health and nutrition education and counseling, embedding social and behavior change and M&E component of post cash distribution monitoring and Market Price monitoring.
The ANGM started a Pilot in two wards in Isiolo (Ngaremara and Cherab) it’s through the findings from the Pilot the project rolled out ANGM in all the Nawiri targeted six Malnutrition Hotspot wards in Isiolo (Oldonyiro, Ngaremara, Cherab, Chari, Garbatulla and Sericho). The pilot seeks to assess the extent to which the approach is effective in alleviating acute Malnutrition in Kenyan Arid and Semi-Arid areas.

Ekirie BSG during their end of cycle Share out in Aukot village in Ngaremara ward

  • Through the graduation model activities implemented under Nawiri 20 Business
    Saving groups under the Pilot graduated to SILC
  • 78 BSG’s from the Scale up graduated as well and were linked to SILC for
    sustainability.
  • Most of the Children with Malnutrition cases during the enrollment graduated out of
    malnutrition.
Village Savings and Loan Association -VSLA

A Village Savings and Loan Association (VSLA) is a group of 10 – 25 people who save together and take small loans from those savings. The activities of the VSLA run in ‘cycles’ of about one year, after which the accumulated savings and profits are shared out among the members according to the amount they have saved. VSLAs are member-managed. Under the Isiolo Integral Ecology Project (IIEP), the Village Savings and Loans Association (VSLA) approach has run for four (4) years. VSLA in Isiolo has been highly embraced by the community due to its significant socioeconomic transformation. The VSLA groups have achieved a self-replication methodology whereby community members form groups on their own. This has resulted in an increased number of groups from 20 in 2019 to the current 63 and the number keeps increasing. Caritas isiolo has recruited 6 Village Agent who have been trained on VSLA model. Group representative were trained on financial and business management.

Caritas Isiolo has formed several VSLAs groups in different areas in Isiolo county including Oldonyiro, Merti, Kipsing, Ntepes, Lotulo, Leparua,Atoot, Lotiki, Game and Ngaresirikon. A total number of 63 groups have been with 1,073 members (1936F,137M) and a total accumulation of KES 11,148,310 for shares and KES 2,646,950 for social fund.

Lakira VSLA group in Oldonyiro