“I have been a farmer all my life, but until I joined a VSLA, the income I could generate was meagre. To be honest, I think many people are demotivated by working hard and not gaining from it. That is why we have a lot of idle people in this area because sometimes the hard toil is just not worth the effort. For me personally, the most important change after joining a VSLA has been acquiring the ability to save and prepare a budget. I have taken out loans from the VSLA several times and used the money wisely by investing in poultry and livestock. My income covers all household expenses and, most importantly, I have been able to educate my children up to university level.”Meseret Niguse ,Gasera District.