Table 3.

Reasons and benefits for CBSGs.

Variables	Number (%)
Overall	247 (100%)
Reasons for joining or starting CBSGs*
Improving household savings/income for, e.g., school fees	207 (84%)
Contributing to the development of area/community	45 (18%)
Addressing emergencies such as death and health	19 (8%)
Benefits provided by CBSGs to group members*
Earning dividends from savings	240 (97%)
Obtain low-interest loans	162 (66%)
Promotes social cohesion during crises such as death	71 (29%)
Improves household welfare/improved standards of living	53 (22%)
Assists with meeting health needs	45 (18%)
Access to school fees	17 (7%)
Promotes teaching hygiene/sanitation	9 (4%)
Provides security for savings	4 (2%)

*Multiple answers.