The WomenSave Innovation

We offer goal-based savings plans and mobile money to bring unbanked women into the financial system with a real voice and without risk.

Theory of Change



Women Onboarded to Mobile Banking

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Money Saved


Financial Goals Met

How It Works

WomenSave offers personalized savings solutions.

  • The process starts with pairing our clients with one of our Savings Officers, local women with business degrees and skills, and offering financial literacy training and one-on-one financial advisory services.

  • Our Savings Officers support each client to establish a monthly budget and design two soft commitment savings plans (a financial tool through which she sets aside a small amount of money on a regular basis until the target amount/date is met): (1) for a goal of her choice; and (2) for emergency expenses.

  • Importantly, all clients open mobile money accounts and learn how to use them. Savings Officers then send weekly SMS text reminders to their clients to make contributions to both plans via mobile money as well as congratulatory messages at major milestones (e.g., 50% toward goal).

With this innovative solution, WomenSave:● increases financial knowledge, digital access and skills;●  improves digital financial capabilities and financial behavior;improves female financial health, namely agency and resilience; andeconomically empowers women.

Results To Date

In Uganda, where nearly 5 million women do not have bank accounts, WomenSave has onboarded 1,860 women to the digital economy in two western districts (Kanungu & Rukungiri). To date we have achieved some impressive results:

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Over 97% use mobile money> 2 times per month

Clients saved approximately $40on average annually


93% meet their financial goalson time

(for example, buying livestock, paying school fees, making home improvements)

WomenSave offers personalized savings solutionsotherwise unavailable to last mile clients.

We empower unbanked women to meet financial goals and prepare for emergencieson their own terms and conditions, a rare but powerful opportunity.WomenSave plans to grow to reach more clients in Uganda first then expand to other countries.

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