With 189 member countries, staff from more than 170 countries, and offices in over 130 locations, the World Bank Group is a unique global partnership: five institutions working for sustainable solutions that reduce poverty and build shared prosperity in developing countries. The World Bank Group works in every major area of development. We provide a wide array of financial products and technical assistance, and we help countries share and apply innovative knowledge and solutions to the challenges they face. We face big challenges to help the world’s poorest people and ensure how To Invest In Futures everyone sees benefits from economic growth. Data and research help us understand these challenges and set priorities, share knowledge of what works, and measure progress.
I was already poor and had nothing and we couldn’t even manage a meal a day for all of us. Over time, with my savings from my public works wages, I was able to borrow from the group and set up my own spot for selling small groceries in the village. Denesi proudly smoothens her brightly colored Chitenji dress and speaks up at a COMSIP meeting in her village. God be praised, today my grandchildren, are in school, they are not hungry and even I have some time to have tea in my home. I am wearing a new dress today and I have some time for tea! But they were all very serious about her message.
Across the country COMSIP members are using their savings to make investments that are increasing their incomes. COMSIP evolved out of the Malawi Social Action Fund’s public works program. Financed by the World Bank, the program encourages savings and investment as a key tool for its members to withstand sudden losses of income and food insecurity in a region often hit by changes in climate that impact agriculture and food production. The cooperative also plans to provide matching grants to its members’ savings. The grants can be used towards training and small investments in a range of areas including health, nutrition and micro businesses. With the assistance of extension workers from the Ministry of Gender, the program has mobilized 99,153 public works participants into 4,457 savings groups across Malawi’s 28 District Councils. Savings mobilized through COMSIP groups have been invested in lending to members and in some cases for group investments such as retailing, bee keeping and pig, and irrigation farming, among others. The members in turn use the savings to invest in small scale enterprises: buying and selling agricultural produce, investment in livestock, cash crop farming, and production such as bakery, winery, and mushroom growing.
Their new skills have helped improve their business performance and leverage more savings. Fossy Mkozombo is a member of the Zatonse COMSIP Cooperative. Through her membership, she has increased her income, the number of cows she raises, and her savings in the group. And she has become a model dairy farmer in her community. Through the program she’s been able to develop her dairy farming skills, pay her children’s and grandchildren’s school fees and pay for more nutritious food for her family. Maniza Naqvi, Task Team leader for the World Bank-supported project. COMSIP can help people to improve and increase their incomes and in the process become resilient to shocks.
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In Southern Malawi’s Zomba District, Mrs. Mwanyali and other members of the Sakata COMSIP Cooperative, used their savings to invest in a retail shop. Chilani of Mzuzu City, invested her savings in a taxi business and has managed to buy a car with the proceeds from the cooperative. Joyce Sichali has taken up knitting as a business. We are proud of the positive changes the program is making in people’s lives.
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