{"id":5807,"date":"2026-08-19T16:40:20","date_gmt":"2026-08-19T09:40:20","guid":{"rendered":"https:\/\/uhdfthailand.org\/?p=5807"},"modified":"2026-08-19T16:40:22","modified_gmt":"2026-08-19T09:40:22","slug":"vsla-savings-group-development-project","status":"publish","type":"post","link":"https:\/\/www.uhdfthailand.org\/?p=5807&lang=en","title":{"rendered":"VSLA Savings Group Development Project"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull is-light has-parallax wp-duotone-36345d-abaaaa-1\" style=\"margin-top:0;padding-top:5vw;padding-right:5vw;padding-bottom:5vw;padding-left:5vw;min-height:711px;aspect-ratio:unset;\"><div class=\"wp-block-cover__image-background wp-image-2270 has-parallax\" style=\"background-position:50% 50%;background-image:url(https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-scaled.jpg)\"><\/div><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-60 has-background-dim\" style=\"background-color:#c2b7a4\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_cf4365-80, .wp-block-kadence-advancedheading.kt-adv-heading5807_cf4365-80[data-kb-block=\"kb-adv-heading5807_cf4365-80\"]{font-size:18px;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_cf4365-80 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_cf4365-80[data-kb-block=\"kb-adv-heading5807_cf4365-80\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_cf4365-80 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_cf4365-80[data-kb-block=\"kb-adv-heading5807_cf4365-80\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5807_cf4365-80 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_cf4365-80\">The establishment of <strong>Village Savings and Loan Associations (VSLA)<\/strong> is a community-based financial mechanism that enables communities in remote areas with limited access to banks and financial institutions to manage their finances collectively. Each VSLA typically consists of <strong>15\u201325 members<\/strong> who come together to save regularly and participate in financial activities.<br>The approach emphasizes <strong>member participation at every stage<\/strong>, promoting transparent management, shared responsibility, and a strong sense of collective ownership.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb, .wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb[data-kb-block=\"kb-adv-heading5807_ab19b5-cb\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb, .wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb[data-kb-block=\"kb-adv-heading5807_ab19b5-cb\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(227,159,6) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb[data-kb-block=\"kb-adv-heading5807_ab19b5-cb\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_ab19b5-cb[data-kb-block=\"kb-adv-heading5807_ab19b5-cb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_ab19b5-cb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_ab19b5-cb\"><span class=\"kb-adv-text-inner\"><em><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f2890c\" class=\"has-inline-color\"><strong><em><strong>Key Characteristics of VSLA Groups<\/strong><\/em><\/strong><\/mark><\/em><\/span><\/p>\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Savings Process:<\/strong> Members regularly contribute savings, such as on a monthly basis, to a shared group fund. The accumulated funds can then be used to provide loans to members for economic activities such as farming, small businesses, or emergencies.<\/li>\n\n\n\n<li><strong>Participation at Every Stage:<\/strong> Every member has the opportunity to share ideas, ask questions, monitor the group\u2019s activities, and help resolve problems. This collaborative approach promotes <strong>transparency and trust<\/strong> among members while encouraging members to learn from one another.<\/li>\n<\/ol>\n\n\n<style>.kb-gallery-id-5807_b29d38-b5.kb-gallery-ul.kb-gallery-type-fluidcarousel .kt-blocks-carousel figure .kb-gal-image-radius, .kb-gallery-id-5807_b29d38-b5.kb-gallery-ul.kb-gallery-type-fluidcarousel .kt-blocks-carousel figure .kb-gal-image-radius img{height:300px;}.kb-gallery-id-5807_b29d38-b5 .kadence-blocks-gallery-item .kb-gal-image-radius, .kb-gallery-id-5807_b29d38-b5 .kb-slide-item .kb-gal-image-radius img{border-radius:0px 0px 0px 0px;;}.kb-gallery-wrap-id-5807_b29d38-b5.wp-block-kadence-advancedgallery{overflow:visible;}.kb-gallery-wrap-id-5807_b29d38-b5.wp-block-kadence-advancedgallery .kt-blocks-carousel{overflow:visible;max-width:100%;}<\/style><div class=\"kb-gallery-wrap-id-5807_b29d38-b5 alignnone wp-block-kadence-advancedgallery\"><div class=\"kb-gallery-ul kb-gallery-non-static kb-gallery-type-fluidcarousel kb-gallery-id-5807_b29d38-b5 kb-gallery-caption-style-bottom-hover kb-gallery-filter-none\" data-image-filter=\"none\" data-lightbox-caption=\"true\"><div class=\"kt-blocks-carousel splide kt-carousel-container-dotstyle-dark kt-carousel-arrowstyle-whiteondark kt-carousel-dotstyle-dark kb-slider-group-arrow kb-slider-arrow-position-center\" data-slider-anim-speed=\"400\" data-slider-scroll=\"1\" data-slider-arrows=\"true\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"\" data-slider-speed=\"7000\" data-slider-type=\"fluidcarousel\" data-slider-center-mode=\"true\" data-slider-gap=\"10px\" data-slider-gap-tablet=\"10px\" data-slider-gap-mobile=\"10px\" data-show-pause-button=\"false\"><div class=\"splide__track\"><ul class=\"kt-blocks-carousel-init kb-blocks-fluid-carousel splide__list\"><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-scaled.jpg\" data-id=\"2278\" class=\"wp-image-2278 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-1536x1152.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_2515-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-scaled.jpg\" data-id=\"2273\" class=\"wp-image-2273 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-1536x1152.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_25_12-0000JpegFile-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-scaled.jpg\" data-id=\"2274\" class=\"wp-image-2274 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-1536x1152.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/LumixSync_copy_2023-08-06-13_24_59-0000JpegFile-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_5229-1-1024x771.jpg\" width=\"750\" height=\"565\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_5229-1.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_5229-1.jpg\" data-id=\"2269\" class=\"wp-image-2269 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_5229-1-1024x771.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_5229-1-400x301.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_5229-1-768x578.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_5229-1.jpg 1474w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div>\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Shared Management:<\/strong> VSLA groups establish a committee to manage the group\u2019s activities, including a treasurer and other designated roles. All members participate in decisions related to the group\u2019s funds and jointly establish clear rules for saving and lending.<\/li>\n\n\n\n<li><strong>Suitable for Communities with Limited Access to Banks:<\/strong> The VSLA system is particularly suitable for remote communities where access to banks or financial institutions is limited. It provides members with a source of funds within their own community, reducing the need to rely on external lenders who may charge high interest rates or impose difficult lending conditions.<\/li>\n<\/ol>\n\n\n<style>.kb-gallery-id-5807_c3c268-89 .kadence-blocks-gallery-item .kb-gal-image-radius, .kb-gallery-id-5807_c3c268-89 .kb-slide-item .kb-gal-image-radius img{border-radius:0px 0px 0px 0px;;}.kb-gallery-wrap-id-5807_c3c268-89.wp-block-kadence-advancedgallery{overflow:visible;}.kb-gallery-wrap-id-5807_c3c268-89.wp-block-kadence-advancedgallery .kt-blocks-carousel{overflow:visible;}<\/style><div class=\"kb-gallery-wrap-id-5807_c3c268-89 alignnone wp-block-kadence-advancedgallery\"><div class=\"kb-gallery-ul kb-gallery-non-static kb-gallery-type-slider kb-gallery-id-5807_c3c268-89 kb-gallery-caption-style-bottom-hover kb-gallery-filter-none\" data-image-filter=\"none\" data-lightbox-caption=\"true\"><div class=\"kt-blocks-carousel splide kt-carousel-container-dotstyle-dark kt-carousel-arrowstyle-whiteondark kt-carousel-dotstyle-dark kb-slider-group-arrow kb-slider-arrow-position-center\" data-slider-anim-speed=\"400\" data-slider-scroll=\"1\" data-slider-arrows=\"true\" data-slider-fade=\"true\" data-slider-dots=\"true\" data-slider-type=\"slider\" data-slider-hover-pause=\"false\" data-slider-auto=\"\" data-slider-speed=\"7000\" data-show-pause-button=\"false\"><div class=\"splide__track\"><ul class=\"kt-blocks-carousel-init kb-blocks-slider splide__list\"><li class=\"kb-slide-item kb-gallery-slide-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-land32 kb-has-image-ratio-land32\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_4016-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_4016.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_4016.jpg\" data-id=\"2268\" class=\"wp-image-2268 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_4016-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_4016-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_4016-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_4016.jpg 1477w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-slide-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-land32 kb-has-image-ratio-land32\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-scaled.jpg\" data-id=\"2270\" class=\"wp-image-2270 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-1536x1152.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/P1062744-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-slide-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-land32 kb-has-image-ratio-land32\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-1024x683.jpg\" width=\"750\" height=\"500\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-scaled.jpg\" data-id=\"2266\" class=\"wp-image-2266 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-1024x683.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-400x267.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-768x512.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-1536x1024.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_0738-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-slide-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain kadence-blocks-gallery-intrinsic kb-gallery-image-ratio-land32 kb-has-image-ratio-land32\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_9308-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_9308.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_9308.jpg\" data-id=\"2275\" class=\"wp-image-2275 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_9308-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_9308-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_9308-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/02\/IMG_9308.jpg 1477w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div>\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Mutual Support:<\/strong> VSLA groups also promote mutual support among members, such as making charitable contributions, providing donations, or assisting members who have special needs. These activities strengthen solidarity, mutual care, and a sense of shared responsibility within the group.<\/li>\n\n\n\n<li><strong>Share-out:<\/strong> The share-out is an important stage of the VSLA cycle and usually takes place at the end of a set period, such as once a year. During this process, members receive their savings back along with a share of the profits generated from interest and loan fees, distributed according to the amount each member has saved.<\/li>\n<\/ol>\n\n\n<style>.kb-row-layout-id5807_e41cf9-eb > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5807_e41cf9-eb > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5807_e41cf9-eb > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );max-width:750px;padding-top:0px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id5807_e41cf9-eb{background-color:var(--global-palette8, #F7FAFC);background-image:url('https:\/\/uhdfthailand.org\/wp-content\/uploads\/2025\/03\/\u0e19\u0e33\u0e40\u0e2a\u0e19\u0e2d\u0e1b\u0e23\u0e30\u0e0a\u0e38\u0e21-TOP.png');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}.kb-row-layout-id5807_e41cf9-eb > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id5807_e41cf9-eb > .kt-row-column-wrap{padding-top:60px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id5807_e41cf9-eb > .kt-row-column-wrap{padding-top:60px;padding-right:30px;padding-bottom:60px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5807_e41cf9-eb alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column5807_b3a074-2d > .kt-inside-inner-col,.kadence-column5807_b3a074-2d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5807_b3a074-2d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5807_b3a074-2d > .kt-inside-inner-col{flex-direction:column;}.kadence-column5807_b3a074-2d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5807_b3a074-2d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5807_b3a074-2d{position:relative;}@media all and (max-width: 1024px){.kadence-column5807_b3a074-2d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5807_b3a074-2d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5807_b3a074-2d inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id5807_b9a4ac-96 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5807_b9a4ac-96 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5807_b9a4ac-96 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:1000px;margin-left:auto;margin-right:auto;padding-top:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id5807_b9a4ac-96 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id5807_b9a4ac-96 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id5807_b9a4ac-96 > .kt-row-column-wrap{padding-top:25px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5807_b9a4ac-96 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col,.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5807_f3cc6f-07{position:relative;}@media all and (max-width: 1024px){.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5807_f3cc6f-07 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5807_f3cc6f-07 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b, .wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b[data-kb-block=\"kb-adv-heading5807_00c661-4b\"]{text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b, .wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b[data-kb-block=\"kb-adv-heading5807_00c661-4b\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(227,133,6) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b[data-kb-block=\"kb-adv-heading5807_00c661-4b\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b[data-kb-block=\"kb-adv-heading5807_00c661-4b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b, .wp-block-kadence-advancedheading.kt-adv-heading5807_00c661-4b[data-kb-block=\"kb-adv-heading5807_00c661-4b\"]{text-align:left!important;}}<\/style><h2 class=\"kt-adv-heading5807_00c661-4b wp-block-kadence-advancedheading has-theme-palette3-color has-text-color\" data-kb-block=\"kb-adv-heading5807_00c661-4b\"><span class=\"kb-adv-text-inner\"><strong><em><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f38410\" class=\"has-inline-color\">Benefits of VSLA Groups<\/mark><\/em><\/strong><\/span><\/h2>\n\n<style>.kb-row-layout-id5807_e94891-f0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5807_e94891-f0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5807_e94891-f0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-sm, 1rem);row-gap:var(--global-kb-gap-none, 0rem );max-width:1000px;margin-left:auto;margin-right:auto;padding-top:0px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id5807_e94891-f0 > .kt-row-layout-overlay{opacity:0.00;background:linear-gradient(270deg,  0%, #00B5E2 0%);}@media all and (max-width: 1024px){.kb-row-layout-id5807_e94891-f0 > .kt-row-column-wrap{padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id5807_e94891-f0 > .kt-row-column-wrap{padding-top:20px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5807_e94891-f0 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column5807_dc7671-23 > .kt-inside-inner-col{display:flex;}.kadence-column5807_dc7671-23 > .kt-inside-inner-col,.kadence-column5807_dc7671-23 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5807_dc7671-23 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-none, 0rem );column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5807_dc7671-23 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5807_dc7671-23 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5807_dc7671-23 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5807_dc7671-23{position:relative;}.kadence-column5807_dc7671-23, .kt-inside-inner-col > .kadence-column5807_dc7671-23:not(.specificity){margin-right:10px;}@media all and (max-width: 1024px){.kadence-column5807_dc7671-23 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5807_dc7671-23 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column5807_dc7671-23, .kt-inside-inner-col > .kadence-column5807_dc7671-23:not(.specificity){margin-right:0px;margin-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5807_dc7671-23 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-9d260ee2 wp-block-group-is-layout-grid\"><style>.wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c, .wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c[data-kb-block=\"kb-adv-heading5807_c2c417-0c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c, .wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c[data-kb-block=\"kb-adv-heading5807_c2c417-0c\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(37,120,167) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c[data-kb-block=\"kb-adv-heading5807_c2c417-0c\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_c2c417-0c[data-kb-block=\"kb-adv-heading5807_c2c417-0c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_c2c417-0c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_c2c417-0c\"><span class=\"kb-adv-text-inner\">1.Promotes disciplined and systematic saving<\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23, .wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23[data-kb-block=\"kb-adv-heading5807_fa3217-23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23, .wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23[data-kb-block=\"kb-adv-heading5807_fa3217-23\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(21,129,190) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23[data-kb-block=\"kb-adv-heading5807_fa3217-23\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_fa3217-23[data-kb-block=\"kb-adv-heading5807_fa3217-23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_fa3217-23 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_fa3217-23\"><span class=\"kb-adv-text-inner\">2.Improves access to funds for investment, livelihood activities, or emergencies<\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc, .wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc[data-kb-block=\"kb-adv-heading5807_02fc70-cc\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc, .wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc[data-kb-block=\"kb-adv-heading5807_02fc70-cc\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(16,123,184) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc[data-kb-block=\"kb-adv-heading5807_02fc70-cc\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_02fc70-cc[data-kb-block=\"kb-adv-heading5807_02fc70-cc\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_02fc70-cc wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_02fc70-cc\"><span class=\"kb-adv-text-inner\">3.Provides financial support to members in times of illness or hardship<\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad, .wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad[data-kb-block=\"kb-adv-heading5807_af4709-ad\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad, .wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad[data-kb-block=\"kb-adv-heading5807_af4709-ad\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(6,147,227) 1%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad[data-kb-block=\"kb-adv-heading5807_af4709-ad\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_af4709-ad[data-kb-block=\"kb-adv-heading5807_af4709-ad\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_af4709-ad wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_af4709-ad\"><span class=\"kb-adv-text-inner\">4.Strengthens community solidarity and shared responsibility<\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64, .wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64[data-kb-block=\"kb-adv-heading5807_914746-64\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64, .wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64[data-kb-block=\"kb-adv-heading5807_914746-64\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(18,129,192) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64[data-kb-block=\"kb-adv-heading5807_914746-64\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_914746-64[data-kb-block=\"kb-adv-heading5807_914746-64\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_914746-64 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_914746-64\"><span class=\"kb-adv-text-inner\">5.Reduces dependence on informal loans that may involve high risks and high interest rates<\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0, .wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0[data-kb-block=\"kb-adv-heading5807_4cf844-b0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0, .wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0[data-kb-block=\"kb-adv-heading5807_4cf844-b0\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(17,124,185) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0[data-kb-block=\"kb-adv-heading5807_4cf844-b0\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_4cf844-b0[data-kb-block=\"kb-adv-heading5807_4cf844-b0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_4cf844-b0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_4cf844-b0\"><span class=\"kb-adv-text-inner\">6.Builds members\u2019 financial management skills and capacity<br><br><\/span><\/p><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column5807_7828b4-f1 > .kt-inside-inner-col,.kadence-column5807_7828b4-f1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5807_7828b4-f1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5807_7828b4-f1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5807_7828b4-f1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5807_7828b4-f1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5807_7828b4-f1{position:relative;}@media all and (max-width: 1024px){.kadence-column5807_7828b4-f1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5807_7828b4-f1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5807_7828b4-f1\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\"><style>.kb-gallery-id-5807_79d00c-3e.kb-gallery-ul.kb-gallery-type-fluidcarousel .kt-blocks-carousel figure .kb-gal-image-radius, .kb-gallery-id-5807_79d00c-3e.kb-gallery-ul.kb-gallery-type-fluidcarousel .kt-blocks-carousel 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data-slider-scroll=\"1\" data-slider-arrows=\"true\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"\" data-slider-speed=\"7000\" data-slider-type=\"fluidcarousel\" data-slider-center-mode=\"true\" data-slider-gap=\"30px\" data-slider-gap-tablet=\"30px\" data-slider-gap-mobile=\"30px\" data-show-pause-button=\"false\"><div class=\"splide__track\"><ul class=\"kt-blocks-carousel-init kb-blocks-fluid-carousel splide__list\"><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-scaled.jpg\" data-id=\"2544\" class=\"wp-image-2544 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-1536x1152.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000870-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-1024x683.jpg\" width=\"750\" height=\"500\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-scaled.jpg\" data-id=\"2542\" class=\"wp-image-2542 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-1024x683.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-400x267.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-768x512.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-1536x1024.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2829-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-1024x683.jpg\" width=\"750\" height=\"500\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-scaled.jpg\" data-id=\"2541\" class=\"wp-image-2541 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-1024x683.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-400x267.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-768x512.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-1536x1024.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2705-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-1024x768.jpg\" width=\"750\" height=\"563\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-scaled.jpg\" data-id=\"2543\" class=\"wp-image-2543 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-1024x768.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-400x300.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-768x576.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-1536x1152.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/P1000206-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_1333-1024x771.jpg\" width=\"750\" height=\"565\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_1333.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_1333.jpg\" data-id=\"2539\" class=\"wp-image-2539 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_1333-1024x771.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_1333-400x301.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_1333-768x578.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_1333.jpg 1474w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><li class=\"kb-slide-item kb-gallery-carousel-item splide__slide\"><div class=\"kadence-blocks-gallery-item\"><div class=\"kadence-blocks-gallery-item-inner\"><figure class=\"kb-gallery-figure kadence-blocks-gallery-item-hide-caption\"><div class=\"kb-gal-image-radius\"><div class=\"kb-gallery-image-contain\" ><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-1024x683.jpg\" width=\"750\" height=\"500\" alt=\"\" data-full-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-scaled.jpg\" data-light-image=\"https:\/\/uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-scaled.jpg\" data-id=\"2540\" class=\"wp-image-2540 skip-lazy\" srcset=\"https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-1024x683.jpg 1024w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-400x267.jpg 400w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-768x512.jpg 768w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-1536x1024.jpg 1536w, https:\/\/www.uhdfthailand.org\/wp-content\/uploads\/2024\/10\/IMG_2373-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/div><\/div><\/figure><\/div><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f, .wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f[data-kb-block=\"kb-adv-heading5807_89bc49-9f\"]{text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f, .wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f[data-kb-block=\"kb-adv-heading5807_89bc49-9f\"] .kb-adv-text-inner{background-image:linear-gradient(135deg,rgb(227,174,6) 0%,rgb(20,39,109) 100%);background-clip:text;-webkit-box-decoration-break:clone;box-decoration-break:clone;-webkit-background-clip:text;-webkit-text-fill-color:transparent;}.wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f[data-kb-block=\"kb-adv-heading5807_89bc49-9f\"] mark.kt-highlight{font-style:normal;-webkit-text-fill-color:initial !important;-webkit-background-clip:initial !important;background-clip:initial !important;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_89bc49-9f[data-kb-block=\"kb-adv-heading5807_89bc49-9f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><p class=\"kt-adv-heading5807_89bc49-9f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_89bc49-9f\"><span class=\"kb-adv-text-inner\"><strong><em><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f8850d\" class=\"has-inline-color\"><em><strong>Structure of a VSLA Savings Group<\/strong><\/em><\/mark><\/em><\/strong><\/span><\/p>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5807_900916-44, .wp-block-kadence-advancedheading.kt-adv-heading5807_900916-44[data-kb-block=\"kb-adv-heading5807_900916-44\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5807_900916-44 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5807_900916-44[data-kb-block=\"kb-adv-heading5807_900916-44\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5807_900916-44 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5807_900916-44[data-kb-block=\"kb-adv-heading5807_900916-44\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5807_900916-44 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5807_900916-44\">1.Group Chairperson  2.Record Keeper  3.Cash Box Custodian  4.Two Money Counters   5.Three Key Holders<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The establishment of Village Savings and Loan Associati [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2271,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64],"tags":[],"class_list":["post-5807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"a3_pvc":{"activated":false,"total_views":0,"today_views":0},"acf":[],"_links":{"self":[{"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=\/wp\/v2\/posts\/5807","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5807"}],"version-history":[{"count":1,"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=\/wp\/v2\/posts\/5807\/revisions"}],"predecessor-version":[{"id":5808,"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=\/wp\/v2\/posts\/5807\/revisions\/5808"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=\/wp\/v2\/media\/2271"}],"wp:attachment":[{"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5807"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5807"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.uhdfthailand.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5807"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}