Tai Po Fire Emergency Response
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22-year-old Referential lives in Kanchomba, a rural village in the heart of Pemba district. Known for her warm smile and unwavering determination, she recently completed her secondary education and saw an opportunity to build a better future for herself and her family by joining a savings group.
In 2023, World Vision conducted training in Saving for Transformation for a number of selected youths in the Kanchomba community. Referential was one of the participants. She and other youths formed their own saving group, which they named Dare to Discover (D2D) after attending the training.
World Vision also provided training on financial literacy, business management, and leadership. Referential eagerly participated, absorbing knowledge that she applied to her growing business.
"The training sessions were eye-opening. I learned how to manage my finances better and plan for the future," she reflects.
The savings group model encouraged members to save small amounts regularly and provided access to loans for personal and business needs. Referential used her first loan to start a small shoe-selling business. The company grew steadily, and soon, she could buy livestock with hopes to start livestock farming.
To help manage both the savings groups and money well, World Vision introduced a savings accountability tool: DreamSave, a Financial Technology application used for informal community banks and saving groups. Referential's D2D saving group uses this application.
"DreamSave has made it easy for our group to manage financial records, achieve savings goals, and build credit history," she says. "In particular, it guides us on the loan parts; when a member has a loan, it indicates that the member is not eligible to request another loan.
Daring to Discover – financial saving with technology
"I am grateful to World Vision for their mindset transformation to our area. Many youths are no longer dependent on their parents, but they can do many things through the World Vision’s knowledge empowerment," says Referential.22-year-old Referential lives in Kanchomba, a rural village in the heart of Pemba district. Known for her warm smile and unwavering determination, she recently completed her secondary education and saw an opportunity to build a better future for herself and her family by joining a savings group.
In 2023, World Vision conducted training in Saving for Transformation for a number of selected youths in the Kanchomba community. Referential was one of the participants. She and other youths formed their own saving group, which they named Dare to Discover (D2D) after attending the training.
World Vision also provided training on financial literacy, business management, and leadership. Referential eagerly participated, absorbing knowledge that she applied to her growing business.
"The training sessions were eye-opening. I learned how to manage my finances better and plan for the future," she reflects.
The savings group model encouraged members to save small amounts regularly and provided access to loans for personal and business needs. Referential used her first loan to start a small shoe-selling business. The company grew steadily, and soon, she could buy livestock with hopes to start livestock farming.
To help manage both the savings groups and money well, World Vision introduced a savings accountability tool: DreamSave, a Financial Technology application used for informal community banks and saving groups. Referential's D2D saving group uses this application.
"DreamSave has made it easy for our group to manage financial records, achieve savings goals, and build credit history," she says. "In particular, it guides us on the loan parts; when a member has a loan, it indicates that the member is not eligible to request another loan.
