30/09/2026
For someone living on a low income, finding money to start or grow a business can feel like an endless search for a door that never opens. Formal loans may require collateral, interest can be difficult to manage, and an opportunity can disappear simply because there is no capital to act on it. But what if the answer is not always somewhere outside the community? What if the community already has what it needs to begin? What if we ask not, "What does this community lack?" but "What does this community have, and what can we build on?"
At Ruben Centre, this is the thinking behind our Asset-Based Community Development approach. We see women who are already running small businesses, families who are already saving, neighbours who already trust one another, and people with ideas and determination to improve their lives. Savings and Internal Lending Communities (SILC) give these existing strengths a structure through which they can become opportunity. By saving together and lending to one another, members can create their own pool of capital—one that can help a mother buy stock for her business, a young entrepreneur invest in an idea, or a family strengthen its livelihood without having to wait for a conventional lender to say yes.
This is the transformation Ruben Centre wants to see: savings groups that move beyond simply putting money aside to becoming engines of economic opportunity. Over the past week, 59 members of the Mukuru community came together for a five-day SILC training, building on the existing Village Savings and Loan Associations (VSLAs) within the community. The training was facilitated by Everlyne Nyamoita, Project Officer, SILC at Mirror of Hope. The purpose was not simply to teach a new methodology, but to strengthen something the community already owns. With stronger financial practices, record keeping, internal lending and business knowledge, these groups can become trusted platforms through which members finance enterprises, grow incomes and build resilience.
And the impact does not stop with the person who receives a loan. A growing business can mean school fees paid, food on the table, a child staying in school, and a mother having greater confidence in her ability to provide for her family. That is the power of SILC: turning collective savings into individual possibility, and individual possibility into stronger families and communities.
The 59 people trained are not the end of the story; they are part of a ripple that can reach hundreds more, as knowledge, savings and opportunity move through existing community networks. Ruben Centre is investing not only in financing, but in agency—the belief that communities have assets worth building on and the capacity to shape their own economic future. When one person learns, many benefit. Each of the 59 participants will pass on what they learned to the groups and neighbours around them, multiplying the impact across Mukuru.
A big thank you to AMREF, the Edmund Rice Foundation (ERF), Mirror of Hope and Partners for Equity (PFE) for helping make this training a success.