Like 94 percent of Malawians,* Alinafe lacked access to formal lending services. This kept her and her husband from getting the funds they needed to pursue their dream of opening a store. And without consistent employment, the couple struggled to pay for adequate housing or schooling for their four children.

But poverty a­ffected more than Alinafe’s finances. “I looked down upon myself,” she recalls. Knowing of Alinafe’s situation, a friend (also named Alinafe) invited her to join Chisomo (“grace”), a savings group formed through a local church. Still, Alinafe remained doubtful: “I felt too small and unworthy to join the group.” Continue Reading…