This learning brief examines the pathways between Savings Groups and women’s empowerment, the evidence with respect to various outcome areas, and how women’s empowerment outcomes can be enhanced and better sustained through Savings Groups.

Based on a comprehensive review of the literature, analysis of monitoring data from four large programs in East Africa, and primary research in Ethiopia and Tanzania, the study examines the relationship between Savings Groups and economic independence, confidence and self-worth, decision-making, voice and leadership, time use, mobility and health. It highlights where positive changes are observed and under what circumstances – while recognizing the limitations of Savings Groups and providing guidance on risk mitigation and the identification of unintended consequences.

An accompanying monitoring and results measurement toolkit (forthcoming) provides guidance for measuring women’s empowerment outcomes in Savings Groups, including a catalogue of existing tools and measurement instruments.