Women and Youth Financial Inclusion Program (WAYFIP)

Description of the model

The Bank Linkages model is an innovation that links Village Saving and Loans Associations (VSLA ) to formal financial services/institutions. This creates appropriate delivery mechanisms that solve the existing market failures of formal financial inclusion mechanisms. Nationally, 74% (40% are female) of Ugandans access only informal financial services and a further 15% (8% are female) are excluded from any such services. Access to formal financial services, e.g., commercial banks, increases the range of financial products and services available to VSLA members.

A young boy who has benefitted from our VSLA program while training occurs in the background
This widens their financial security and entrepreneurial growth opportunities. The Bank Linkages model enhances financial inclusion for existing VSLAs and other savings groups, especially the poorest and most excluded Women and Youth from the hard to reach areas and populations. The model aims at enabling vulnerable women and youth to access formal financial services which come with broad opportunities in investment, access to specialized credit facilities and funds safety. This is undertaken through financial education for skills development and creating/promoting customer friendly financial products such as the no cost (no bank charges) VSLA Group Savings Account, VSLA Group Overdrafts for better positioning and inclusion of the most vulnerable. The model builds on the mobile-money platform to enable provision of a wide range of products and access in rural areas.

The model is based on seven principles:
  • Groups are linked not individuals;
  • Linkage is demand driven not supply driven;
  • Core principles of VSLA methodology are upheld ;
  • Emphasis on member savings is maintained;
  • Member savings are not held as collateral;
  • Only mature groups are linked (3 years old);
  • Conservative savings to credit ratio is maintained.


Northern Uganda Women Empowerment Program (NUWEP): Engaging Men & Boys

Description of the model

CARE sees gender equality as a fundamental requirement for social justice and poverty reduction. It is the area in which we see the most pressing need for social change in order to reach our vision. Our experience in Northern Uganda demonstrates that achieving real and lasting progress toward gender equality requires proactive work with men and boys alongside work with women and girls. Recognizing that men play an important role in ending gender based violence and promoting gender equality, CARE Uganda started a pilot initiative with the male engage approach in northern Uganda in July 2010. This new strategy with men set out to promote women empowerment and contribute to ending GBV. Engaging men and boys in a systematic empowerment process helps mobilise them to understand and support concepts of positive masculinity and gender equality. Overtime, we have been developing a clearer understanding of how to challenge social norms that perpetuate gender based violence and hamper gender equality.


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Business Plan 2021-2025

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Uganda: Country Statistics

  • Population:
  • Life Expectancy:
    62.3 years
  • % Of Pop Female:
  • Aged 0 - 14: