Most small-scale farmers do not access credit from financial institutions due to various reasons, including a lack of collateral to secure the loans. On the other side, some farmers do not have a culture of saving money. The essence of microfinance within rural communities is to inculcate a saving culture, build up investment capital, and improve safety nets for rural households. In this respect, RECODA works with small-scale farmers to accumulate cash for investment and for other basic needs. This intervention is combined with capacity building and facilitation to produce and earn cash, which can be saved.

Farmers are trained by the Village Savings and Loans Association (VSLA), and they start saving and accessing loans. At the same time, community-based trainers (CBT) are trained to continue spreading the knowledge to other members of the village.