This briefing paper analyzes and investigates young people’s interactions with savings and credit associations and how this participation contributed to their livelihood strategies and goals. We found that more than 80% of youth respondents reported saving money, and that participating in saving schemes gave young people confidence to cope with emergencies and to plan for their futures.  

This briefing paper is based on qualitative data collection with young men and women in four districts of the Karamoja sub-region of northeastern Uganda. Collected in late 2019, these data are from the second in a series of four interviews occurring annually with a cohort of approximately 85 young people living in rural areas.  

This is one of four briefing papers based on research on youth livelihoods conducted in 2019. The other three papers address youth innovations, youth responses to major life events, and market access and decision making. These findings are part of the Apolou Activity. The other briefs are available here