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Reaching Informal Savings Groups with Formal Financial Products: A Study’s Unexpected Findings Reveal the Challenges of Digitizing Transactions

James Militzer

Previously, in 2019-2020, we carried out the first round of an evaluation using the Qualitative Impact Assessment Protocol (QuIP) in these three SatF-supported countries. Through qualitative interviews and focus discussions, the evaluation tested SatF’s theory of change, which assumed that ISM users (i.e.,