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Savings Group Curriculum - 8% Higher Prevalence of Paying School Fees


Strategy researched

A curriculum delivered within savings groups to help caregivers of orphans and vulnerable children (OVC) affected by HIV in Uganda to plan and save for the education-, nutritious food-, and health-related expenses for all the children in their care

Impact achieved

In absolute terms, the overall proportion of children with paid school fees was 8% significantly higher for caregivers within savings and lending communities that received the Child-Optimized Financial Education (COFE) curriculum compared to those who did not receive the specialised training. This means that, in relative terms, children of caregivers who participated in the training were 1.17 times more likely to have had all the required school fees paid as a product of the training, compared to children whose caregivers did not participate.

Country of study


Research methodology



Journal of Development Effectiveness; 2022

Journal paper title and link

Impact of the Child-optimized Financial Education (COFE) curriculum among savings group participants in Uganda: A cluster randomised controlled trial

Excerpt from Abstract

"Participation in SILC [Savings and Lending Communities] groups with the COFE curriculum was significantly associated with greater spending on children's required school expenses compared to participation in SILC groups without the COFE curriculum."

Summary at this link


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