Definition & calculation
Numerator: Number of VSLA members who took a loan or received a share-out from group savings during the reporting cycle
Denominator: Total number of registered members in supported VSLA groups
Extract loan and share-out transactions from group ledgers over the savings cycle and divide members with at least one loan or share-out by all registered members.
Formula: (Numerator ÷ Denominator) × 100
Means of verification
VSLA group ledgers and passbooks; group management records
Interpretation
Direction: Higher is better
Typical reporting frequency: Baseline, midline and endline (or annual)
Guidance & common pitfalls
Access to credit reflects group functionality rather than productive use of funds, so complement it with data on loan purpose and repayment rates.
This library is a curated reference to adapt, aligned generically with recognised humanitarian frameworks (Sphere, cluster registries, IASC, CHS and others). It is not an official indicator registry — always use the exact indicator definitions your donor or cluster requires.
Related indicators
- % change in average monthly household income among supported households
- % of supported households able to cover the Minimum Expenditure Basket (MEB) from their own income
- % of supported households with a reduced Coping Strategies Index (rCSI) score below the crisis threshold
- % of supported producers selling products through a facilitated formal market linkage or value-chain buyer