The WWF is run at a local level by the following offices...

Community financial management: The Inspiring Model of Antsatrana’s Communities in the Mangroves of Ambaro Bay

Posted on 28 April 2025

The Village Saving and Loans Associations (VSLA), represents an innovative and solidarity-based approach to collective financial resource management. It enables members to support each other while fostering economic growth within the community.

The village of Antsatrana, located in the Diana region, stands out with its particularly well-developed financial management model. Since 2017, the Antsatrana VSLA has established 40 Community Savings Groups, each with 30 members, and operates with four distinct funds. These funds serve the following purposes: (1) providing financial assistance to families during difficult times—such as illness, death, or childbirth; (2) promoting disciplined and regular saving habits; (3) supporting conservation efforts through a fund called "Tsinjo lavitra" (Long-term vision in English); and (4) assisting families upon the death of a member through the "Vonjy sarotra" fund (Assistance in difficult situations in English). These mechanisms are now well established and embraced by the community, enhancing their economic and financial autonomy, facilitating access to credit and savings, and strengthening social ties.

The vast majority of Antsatrana approximately 2,015 inhabitants are VSLA members, including 650 women and around 400 men. These members have instilled a culture of discipline and rigor, including mandatory attendance at weekly meetings under penalty of sanctions. As in many communities, women tend to be more involved, being more available and especially more adept at managing finances. Since its establishment in 2017, the VSLA has brought substantial benefits to the people of Antsatrana, as shared by Farahy, the president of the Fokontany: “The VSLA can provide up to 1,000,000 Ariary (€200) in support during a death, one of the heaviest burdens for Malagasy families. Based on contributions collected throughout the year, some members have received up to 1,200,000 Ariary (€300), allowing them to offer joyful year-end celebrations for their families. Thanks to the VSLA, fishers also have access to some financial support during the closed season, and the third fund finances the mission allowances of community patrollers in the mangroves. Beyond its economic and financial advantages, the VSLA significantly contributes to greater community cohesion.”

Furthermore, the construction of the VSLA’s office was entirely financed by the collective contributions of the 40 groups, amounting to 86,000,000 Ariary (€16,600). The Antsatrana VSLA proudly stands as a true catalyst for local development, blending solidarity, financial autonomy, and commitment to nature.“It’s not just about money, but also about learning how to live together in a community” emphasized Aldine, a Relay Farmer and one of the most dedicated members. The VSLA illustrates how inclusive and collective financial management can sustainably transform a community and deserves to be highlighted and potentially replicated in other communities and regions to strengthen community resilience