This page headlines three books authored by Stuart Rutherford, the SafeSave founder, and a selection of SafeSave reports that can be viewed and/or downloaded from the foot of this page. 
For a listing of chapters in books and research reports by Rutherford and colleagues, please click here.

The following books are available at and other retailers

The Poor and Their Money is Stuart Rutherford's essay on how poor people manage their money. For an outline of the chapter contents click here.

Portfolios of the Poor, co-authored by Rutherford, has been influential in changing international perspectives on microfinance. For more detail please click here.

Described by Kim Wilson of Tufts University as 'the best book on microfinance - ever', Rutherford's book The Pledge, about ASA, a major Bangladeshi microfinance organization, provides many insights into how microfinance evolved and how it really works. 

Ċ ADBarticlebyMarkStaehle,2005.pdf
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A 2005 article, published by the Asian Development Bank, on SafeSave's work by Mark Staehle, then SafeSave's Technical Adviser.  519k v. 2 Feb 16, 2012, 10:03 PM Stuart Rutherford
Ċ CARE-PLANfinalreportExecSum.pdf
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The executive summary of a very early evaluation of SafeSave written by Carlos Ani for the NGOs CARE and PLAN in 2000  171k v. 2 Feb 16, 2012, 9:56 PM Stuart Rutherford
Ċ CGAPABCcostingfinal.pdf
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The report of a costing exercise on SafeSave's savings products done by a CGAP team in 2006  286k v. 2 Feb 16, 2012, 9:59 PM Stuart Rutherford
Ċ CGAPSafeSaveFinalReport.pdf
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The final report, written in 2006 by SafeSave, on the use of a small grant given by CGAP to improve internal control and to experiment with a rural branch  255k v. 2 Feb 16, 2012, 10:08 PM Stuart Rutherford
Ċ ChristophSchultzDesigningFinancialProductsforthePoor.pdf
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A 2003 report by our first AKF intern, Christoph Schultz, on his work reviewing SafeSave's product appeal to its clients  220k v. 1 Feb 16, 2012, 10:11 PM Stuart Rutherford
Ċ CustomerSatisfactionSurvey2004.pdf
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A 2004 report by independent researcher Andrea Wenham on customer satisfaction with SafeSave services   612k v. 1 Feb 16, 2012, 10:15 PM Stuart Rutherford
Ċ KathyBugadaSafesaveCaseStudy(Summary).pdf
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Written by Kathy Bugada for the Swiss, this is a review of SafeSave's use of Palm Pilot pdas as an aid in collecting field data  256k v. 1 Feb 16, 2012, 10:21 PM Stuart Rutherford
Ċ KatjaBuhrer,ReportonP9Kalyanpursummer2011.pdf
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Report by a financial journalist who volunteered to take a long look at product P9 in Kalyanpur just before SafeSave decided to take it over: comments by Rutherford included  293k v. 2 Feb 18, 2012, 2:48 PM Stuart Rutherford
Ċ March2005Update,SafeSave'sExperimentwithPalmPilots.pdf
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A 2005 report from MicroSave on SafeSave's use of Palm Pilots (pdas) in the field  185k v. 2 Feb 16, 2012, 10:53 PM Stuart Rutherford
Ċ M-CRILSafeSavedraft.pdf
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A 2005 draft rating of SafeSave by M-Cril, an Indian ratings agency  337k v. 1 Feb 16, 2012, 10:27 PM Stuart Rutherford
Ċ M-CrilsocialratingSafeSave_socialratingreport.pdf
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A draft 2005 'social rating' of SafeSave by M-Cril, an Indian ratings agency  229k v. 3 Feb 16, 2012, 10:53 PM Stuart Rutherford
Ċ MicroSave100828CaseStudySafeSave.pdf
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A 2010 Case Study of SafeSave by MicroSave  1820k v. 1 Feb 16, 2012, 10:32 PM Stuart Rutherford
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A 2005 final report commissioned by SafeSave from Marie Jo Cortijo on the depth of SafeSave's outreach  490k v. 3 Feb 16, 2012, 10:53 PM Stuart Rutherford
Ċ SafeSave 2012-2013 Audit.pdf
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Our formal Audit for the year to June 30 2013  338k v. 1 Oct 23, 2013, 12:09 AM Stuart Rutherford
Ċ SafeSaveAnnualReport2010-2011.pdf
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The most recent Annual Report from SafeSave. Includes a short version of the mid-2011 formal Audit.  1102k v. 1 Feb 17, 2012, 1:04 AM Stuart Rutherford
Ċ SafeSave Audit Report 2011-2012.pdf
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The formal Audit for the year July 2011 to June 2012  308k v. 1 Sep 24, 2012, 11:25 PM Stuart Rutherford
Ċ SafeSaveGBNov302003Final.pdf
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A presentation of SafeSave to Grameen Bank, at the Bank, 2003  124k v. 1 Feb 16, 2012, 10:39 PM Stuart Rutherford
Ċ SouleimastudyonSSSavingsProfile.pdf
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A 2007 study by Souleima, another AKF intern, on client savings habits and preferences, done as part of the design of the Long Term Savings product  200k v. 1 Feb 16, 2012, 10:44 PM Stuart Rutherford