As part of the OPTIX project, funded by MetLife Foundation and run by BFA, SAJIDA in early 2017 started exploring options to improve operational efficiency and better serve its members. SAJIDA identified mobile money (MM) as a significant opportunity to cut costs and improve the customer experience thanks to ease of collecting loan payments and savings. Since December 2017, SAJIDA has offered MM as a new way for loan recipients to make repayments and save at an initial five branches that serve about 10,000 members. 

Over 18 months, SAJIDA and BFA monitored the results of these initiatives and together performed an evaluation in September 2018. The evaluation sought to understand how MM loans impacted SAJIDA’s business case, the member experience, and internal staff organization.