CBEM · Flagship Program · CEPRES NTE

Association of Savings Clubs of Liberia

Transforming informal savings — VSLA groups, susu clubs, market-women circles, youth & community thrift — into bankable, transparent, nationally federated cooperatives.

3
Registered Clubs
0 active
0
Members Enrolled
across clubs
2/15
Counties Reached
Liberian counties
0k
Total Savings
LRD pooled
0
Loans Facilitated
approved+
The Problem

Liberia's strongest savings culture — locked out of formal finance.

  • Informal and fragmented across 15 counties
  • Legally unrecognized at scale
  • Digitally excluded from national systems
  • Locked out of bank credit and MFI partnerships
  • Vulnerable to fraud and mismanagement
  • Invisible to policymakers and investors
The ASCL Solution

One trusted national intermediary between grassroots savings and the banking system.

  • Cooperative Federation — member-owned, commercial, tech-enabled
  • Coverage across all 15 counties of Liberia
  • Digital savings wallets + hash-chained audit trail
  • Direct bank & MFI aggregation partnerships
  • Standardized governance & financial discipline
  • Women & youth inclusion at the core
Vision

A financially disciplined, digitally connected, and nationally organized savings culture driving inclusive economic growth in Liberia.

Mission

To organize and empower savings clubs through cooperative governance, digital systems, and financial partnerships that unlock secure savings, affordable credit, and sustainable livelihoods.

Core Programs

Five integrated services — from registration to bank linkage.

Program 1

Registration & Formalization

Digital group registration, NBID verification, cooperative certificates, governance bylaws.

Program 2

Digital Savings & Records

Group wallets, weekly/monthly tracking, automated ledgers, SMS alerts, member statements.

Program 3

Discipline & Governance

Management committee training, internal controls, financial transparency rules, dispute resolution.

Program 4

Bank & MFI Linkages

Savings aggregation, group lending facilitation, staged/seasonal loan products, risk profiling.

Program 5

Financial Literacy

Savings culture, loan management, enterprise skills, cooperative leadership development.

Who We Serve

Every grassroots savings group in Liberia.

VSLA groups
Susu / rotating clubs
Market women's savings
Youth & startup clubs
Faith-based savings
Community thrift groups
Cooperative units
Development groups
Implementation Roadmap

From pilot to national savings backbone in 36 months.

Phase 1
0–6 months
  • Legal incorporation
  • Digital platform setup
  • Pilot counties launch
  • Bank engagement
Phase 2
6–18 months
  • Nationwide onboarding
  • Loan product rollout
  • Agency banking integration
Phase 3
18–36 months
  • Advanced finance products
  • Investment pooling
  • Regional replication
Financial Trajectory

5-year revenue projection

Break-even expected in Year 2. Indicative — subject to pilot outcomes and capital partnerships.

$200K
Y1
Registration & Pilots
$450K
Y2
Bank-linked savings & loans
$800K
Y3
National scale-up
$1.2M
Y4
Embedded finance growth
$1.8M
Y5
National savings backbone
The Strategic Value

The financial discipline engine powering inclusive growth in Liberia.

ASCL expands the national savings base, strengthens micro-enterprises, empowers women & youth, and builds a bankable informal economy — all under CEPRES CBEM.

© CEPRES International University · CBEM Engine · Association of Savings Clubs of Liberia · 2026
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