Three-quarters of the world’s poorest people do not have a formal bank account. With few viable means to save, these individuals and their families are vulnerable to life-threatening hardships. Community-based savings groups are designed to provide a mechanism for resilience. Jointly, Oxfam America and Freedom from Hunger commissioned the largest study to date to evaluate the impact of community-based savings groups—using both a randomized controlled trial and in-depth qualitative research. This report can be downloaded from the Oxfam America website here.