WORTH (Women Organizing Resources Together), was a project developed for PACT International to improve people’s access to and control of their assets and resources. Originally designed as a women’s economic empowerment model, WORTH brings poor, primarily rural women together in groups of 25 for integrated, savings-led microfinance, literacy, numeracy, group banking, and microenterprise development, while strengthening social networks and empowering members to have a voice in their communities.
Participants create transparent credit and savings groups that save weekly. Their pooled savings are made available to members in short-term, low-interest loans for primarily income-generation activities. Groups proportionately distribute interest paid on loans to members’ savings. WORTH is one of Pact’s most effective poverty reduction tools because it places participants at the centre of their own solutions and helps them build or accumulate assets with diversified income streams.