... limited access to markets and safe saving facilities Group saving approaches have had notable successes when they are responsibly managed, and when the savings are felt as an asset by their members ... providing a means to safely pool their savings, these approaches can help the poor and disadvantaged accumulate productive resources more efficiently Group savings also help build solidarity among ... constraining saving Keys to success Tips for group facilitators 17 22 26 CHAPTER 3: Saving as a group 29 Rotating Savings and Credit Association (ROSCA) Accumulative Savings and Credit Association...