Credit with Education and Title II Programs

Credit with Education is a way to provide self-financing microfinance (or small-scale banking) to women, primarily in very poor, rural areas, while at the same time provide education for business and family survival. Within the village banking movement, attempts to integrate education with village bank meetings have fallen into two types. In one, the field staff provides both the education and financial services at the same village bank meetings. In the other type, two or more specialists provide the banking and education services separately. The first type is discussed here and represents the tightest integration of activities. When combined costs for both services are considered, the first type (lower cost model) is most likely to be fully sustainable with program-generated revenues.