COMMUNITY AGENTS

TRAINING ON SAVINGS FOR

TRANSFORMATION {S4T}
What is saving for transformation-S4T?
It is a group of ten 10-25 people who come together to save
and take small loans from those savings.
What is Goal of the project model?
the project goal is to increase the economic capacity of parents and caregivers
World Vision’s strategic policy is child focused-
CWB, and it is around this area that all their
projects are centered.

Among them are:  It is also Livelihood sector approach

 The WASH project
 The Food security project
 And the ultimate CWB
The Food Security project which is
being implemented in the view of WV,
is an economic development approach
that contributes to child well-being
TOC: “Household economic well-
being is a necessary component for
child well-being”
contributing to CWB
aspirations(through material
poverty, food insecurity and
vulnerability to climate change and
disaster risks)
INTERVENTIONS
 Graduation from extreme poverty
 Liberation from dependence
 Women economic empowerment
STATE THREE INTERVENTION AREAS OF
THE PM.
1.THE GAPS FILLED OR ADDRESSED BY
THIS PM(WHY SGs PM?)
 Savings-small loans to the members
to fill the gap of financial exclusion
 Instill hope and build social capital
of the members
 Local planning to take their own
development actions
 Coping with HH emergencies-
absorb shocks of life
What are the gaps the PM seeks to
fill?
 Develop their own livelihood
patterns
 Invest into health and education
of their children
The targets are those below poverty
line and who do not qualify for
microfinance or with limited access
to formal financial services, the
discriminated against, marginalized,
disabled
NB: It is voluntary and not contingent
on any promise from WV, VF ETC
2. CWB ASPIRATIONS THAT THE PM
CONTRIBUTES TO ACHIEVE
 Children experience the love of
God and the neighbors
 Children are well cared for
protected and participating in
social live
 Children enjoy good health
 Children are well educated for life
CWB OBJECTIVES TARGETING THE
MOST VULNERABLE through the PM
 Food security is ensured
 Poverty is reduced
 Children are educated
 Adolescent skills developed for
productive future
THE FEATURES OF THE PROJECT THAT
ADDRESS THE MOST VULNERABLE-friendly

WHO ARE THE MOST VULNERABLE? BENEFITS OF THE MODEL

Features  IGA by nature
 Saving in a safe and convenient  Food security for members
environment
 Personal development
 Insurance and social fund to carter
for emergencies
 Leadership skills
 Ready credit on flexible terms  Sense of ownership and
accountability
 Personal development
 Business diversity
 Group solidarity
 Resilience to shocks
 Empowered world view
transformation
THE PRINCIPLES OF THE MODEL

 Savings focused  S4T materials are used in operation

 Voluntary based in terms of  Independent
membership  Free access to loans by members
 Self-managed groups  Training
 Time bound in terms of operations
 Sizeable groups to manage and
PHASES OF THE PM
maintain  Preparatory phase
 Simple recordkeeping  Intensive phase
 Self-replicating  Development phase
 sustainable  maturity phase
MAIN STEPS TO COMPLETE THE MODEL
GROUP WORK
Promotion, mobilization sensitization  Share-outs
and training of the S4T Groups  Passbook
 Group formation and on-going  Social funds
training
 Process for commencing a new
 Group schedule-time & place
cycle
 Group management-leadership
 Saving through shares
 Loans
 Transactions
SCHEDULES OF OPERATIONS;
(Implementation)
MEETING A:
 Supervisor and FO orienting the
leaders and government official
 Introduction of implementation
organization
 Target group to Be served
 Services offered
 The role of local leaders and
administrators
MEETING B:
 FO introduces the S4T to the community
 How the methodology works
 How the interested individuals can form
new groups
MEETING C:
 First meeting of FO with the newly
formed group
Step-by-step description of the pm,
Qualities of good members, training
schedules, date and place of training
PHASES OF THE MODEL
*let the communities know that it is
not government project*
 Preparatory phases  Provide general information to the
prospective S4T group members
Why this phase?
 Intensive phase  12 weeks. it starts off with 4 visits in
the first week and then continues with
6 visits over the next 11 weeks
 12 weeks. 3 visits during loan meeting
 Development phase only

 12 weeks. 2 visits; one for light

 Maturity phase
supervision and one to help the s4t
group prepare for share-out and
graduation
TRAINING MODULES 1-7
 Groups, leadership and election
 Social fund, share-purchase and credit
policies
 Development of groups constitution
 First savings meeting
 First loans meeting
 First loans repayment
 Action-audit/share-out and graduation
 Self-selection, preparation for election
 Rules and regulations governing the
groups
 Supervision of the meetings on share
purchase
 Supervision of loans disbursement
 Supervision of loans repayment
 Distribution of loan fund at the end of
cycle
SG: PATH WAY OF CHANGE
GOAL: Increase economic Capacity of
Caregivers or Parents to provide well for
their children
HH Level Change  This project model rest on the
only three groups of people: the
 Improved food and nutrition security
Supervisors, FOs ands VAs
 Increased HH resilience to shocks and
stresses
 Established income diversity and
security
 Increased hope for future
Management consideration: staff quality
FIELD OFFICER(FO)
 FO-dedicated without competing
responsibilities for his time
 FO should be well trained in SG
model and methodology
 FO should be self-disciplined
 FO should be reliable
 FO should be transparent
 Be detailed oriented to meet
project specification-
standardization
Duties:
 Train the S4T groups
 Assist the S4T groups when the
needs arise
 Provide refresher training
 Assist in resolving conflicts
 Monitor the SG groups to ensure
better performance
 Identify the potential Community
Agents to takeover.
WHAT THE FIELD
OFFICER MUST NOT DO
FO must not;
 Handle the group’s money
 Write in the group’s records
 Take the cash box away
 Ask for loan
 Ask for gifts
 WHO ARE THE COMMUNITY AGENTS?
They are community-based trainers who are
not paid employees of the project.
 How to Identify the VAs
 He must be a natural motivator
 He must have sufficient
literacy/numeracy
 He must have the energy to train
large S4T
 He must always be punctual
 He musts be honest
 Must also express a sincere interest
to train S4T activities
 COMPENSATION FOR THE Vas
 VAs are not paid staff nor do they work
for an incentive for salary
 They are paid by the S4T groups
 They relate with the implementing
organization to be built to become
independent competent Vas
 They are paid by the S4T groups when
training services are offered $1-$2 per
training. Depending on the agree
reached between the S4T group and the
agent
TRAINING AND INTRODUCTION OF THE
VAs TO THE S4T GROUPS
 Training:  INTRODUCTION:
 VAs must receive the formal training  The VAs will accompanying the FOs
during field trainings and supervisions
 VAs must be provided with the Village
Agent Training Guide  FOs should build the rapport between
the S4T group and VAs-let them see
 VAs Must be guided to enter into
VAs a competent trainer
formal contract with the S4T groups
 Each S4T group should know how long
 VAs must receive TWO component of
the VAs will train them-9months per
the training
cycle
 Classroom training by the FOs(tools,
 Get the S4T group to agree on the
time management, and techniques)
terms of compensating for VAs- the
 Accompanying the FOs to the field for payment can be shares or cash
at least 1month through contract
GROUP MANAGEMENT-
WORK IN GROUP (what are qualities and
responsibilities of the following group
executives?-chairperson, record-keeper, box-
keeper, money counters) {GROUP WORK}
CHAIRPERSON: QUALITIES; RESPONSIBILITIES
 Respected To call meetings to order, announce the
agenda and lead discussions
 Confident and calm when speaking in
front of others Ensure that ,meetings follow proper
procedures and constitution is respected
 Treat everyone equally
Maintain discipline and charge fines as
 Listens to others and asks for opinions needed
 Well organised Resolve conflicts
 Always on time for meetings Represent group outsider
CON’T: THE GROUP RECORDS KEEPER

 QUALITIES  RESPONSIBILITIES
 Good with numbers  Ensure that all the transactions for
the social fund, shares-purchased
 Writes neatly
and the lending take place
 Has a reputation for according to procedure, and that
trustworthiness all rules are followed
 Always on time  Make all passbook entries for the
 Willing to work extra hours to train shares and loans
with the FO if needed  Reads the social fund and loans
 Ability to keep figures and recall fund cash balances out at every
when needed. meeting
Box-keeper

 Qualities  Responsibilities
 Trustworthy  Keeps the group box safe in
between the meetings
 From a household that has a good
reputation  Ensures that s/he is accompanied
to/from meetings as necessary
 Lives in a house with good security
 Brings the box to the meetings on
 Always on time
time
Money-counters

 Qualities
 Able to count quickly and
accurately
 Trustworthy
 Calm and organised
 Always on time
 Responsibilities
 Counts all the amounts paid to, or
taken from the S4T group
 Inform the records keeper of the
correct amount to be recorded in
the passbook
 Can recall the passed records.
DRAWING OF THE CONSTITUTION
It constitutes the rules and regulations as well as the
fines, compensations and charges of the S4T group

 Features of the
constitution
 Name of the S4T group
 Date of formation and
registration
 Name of Community
 Days and times meetings
Shares per sitting and shares
value----------------
Services charged on loans---------
Preferences to grants
Fines -------
Social funds------
Gratuities to members-----
THE PASSBOOK

 Share value----------------GHC..  Net share od period

 Cycle number-------------------  Records of loans
 The shares purchase  Date and loan item
 Entries or stamping  Loan amount and thumb print.
 Dates of meetings  Service charges
 Starting number of shares  Total
 Total number of shares bought this  Paid
period
 Balance
 Total number of shares sold this
period
Share-out it is the distribution of the loan fund at the
end of the cycle of the group in proportion to their
shares purchased within the cycle among members of
the S4T over the period

MEMBERS AND SHARES PURCHASED CLACULATION OF THE BENEFITS

 1. KWABEAN BAYI …… 305  Single share value =GHC2.00
 2.MAME BADAN…… 480 Total share value 2*3425 = GHC 6850
 3.BABA ABENA ……. 250 Total cash in box =GHC8050
 4.AKOS BAWA …. 260  Profit is different between total cash in box
and total share value
 5.ROSE MANANYI …… 450
 GHC 8050-GHC6850 =GHC1200
 6.RITA UBABU ….. 150  Ways of determine new share value and
 7.SHEIDU LOVE ……. 350 profit.
 8.MASUN MALAN …… 520  1. Ratio method 305/3425*8050(ASSIGMENT)
 2. Absolute figures method
 9.BABAN MAANOBE …… 180
2*305 = GHC610 then share the profits using
 10. BILAR LAMLIR …… 480 1200/3425 = 0.3503
DIVIDENTS FOR EVERY MEMBER

 New share value 0.3503*305 =

 Dividents
 1. KWABEAN BAYI …… 305*2 =610  305*0.3503= 106----------610+106.84
 2.MAME BADAN…… 480*2= 960  480*0.3503 =168.14---------960+168.14
 3.BABA ABENA ……. 250 * 2 =500  250*0.3503 = 87.57-------500+87.50
 4.AKOS BAWA …. 260*2= 520  260*0.3503 =91.07---------520+91
 5.ROSE MANANYI …… 450*2 = 900  450*0.3503 =157.63--------900+157.60
 6.RITA UBABU ….. 150*2 = 300  150*0.3503 = 52.54------300+52.50
 7.SHEIDU LOVE ……. 350*2 =700  350*0.3503 = 122.60-----700+122.60
 8.MASUN MALAN …… 520*2 = 1040  520*0.3503 = 182.15-----1040+182.15
 9.BABAN MAANOBE …… 180*2 = 360  180*0.3503 = 63.05-----360+63.05
 10. BILAR LAMLIR …… 480*2 = 960  480*0.3503 = 168.14—960+168.14
 3. TOTAL CASH IN BOX DIVIDED BY THE TOTAL SHARES
PURCHASED OVER THE PERIOD TO DETERMINE THE
NEW SHARES VALUE
8050/3425 = 2.3503
This method captures both the profit and savings
for an individuals
 1. KWABEAN BAYI … 305*2.3503 =716.80
 2.MAME BADAN…… 480*2.3503=1128.10
 3.BABA ABENA ……250 *2.3503 =587.50
 4.AKOS BAWA ….260*2.3503=611.00
 5.ROSE MANANYI ……450*2.3503=1057.60
 6.RITA UBABU …. 150*2.3503=352.50
 7.SHEIDU LOVE …….350*2.3503=822.60
 8.MASUN MALAN ……520*2.3503=1222.10
 9.BABAN MAANOBE …180*2.3503=423.00
 10. BILAR LAMLIR…480*2.3503=1128.10