Kowed continued monitoring of the Village Savings and Loan Associations (VSLA) focused on strengthening financial accountability, transparency, and group cohesion. Four savings groups were actively tracked, with regular reviews of savings ledgers, loan records, and repayment performance to ensure compliance with agreed procedures. Monitoring visits emphasized improving record-keeping practices, enhancing members’ understanding of financial literacy principles, and encouraging timely loan repayments to maintain group sustainability.

The assessment revealed steady progress in savings accumulation and improved awareness among members on proper loan management and group governance. While some groups demonstrated hesitation in fully disclosing savings and loan data, ongoing engagement and mentorship are addressing these gaps to promote trust and transparency. Overall, the VSLA initiative continues to contribute to financial inclusion, resilience, and strengthened economic participation among beneficiaries.