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http://www.akdn.org/sites/akdn/files/media/publications/2014_04_-_akf_-_community-based_savings_groups_in_mtwara_and_lindi_tanzania.pdf
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Community-based savings groups in Mtwara and Lindi, Tanzania

In recent years, stakeholders have increasingly acknowledged that formal financial institutions are not able to address the financial service needs of the very poor, particularly those living in remote areas. Small transaction sizes, sparse populations and poor infrastructure limit the ability of commercial banks and microfinance
institutions to reach rural areas where many of the world’s poorest and most marginalised populations live.