... saving is through small investments in land, housing, livestock, working tools, small business, etc. A key motive for saving through in- kind investment rather than saving in cash lies in the ... with small savings commonly invest in small-scale farming – growing crops and rearing animals. • Those with medium-sized savings invest in small businesses, e.g. butcheries, trading or land ... outstrip the financial advantages. Retaining risk is often the principal risk management strategy of a low-income household. They may save money for a rainy day”, or join a microfinance pro-vider...