Makoi Majok Toch

Post-Harvest Losses and the Credit Constraint: Can CGSL Financing of Storage Infrastructure Improve Food Security in South Sudan?

This article examines whether Community Group Saving and Lending (CGSL) mechanisms can be used to finance small-scale storage infrastructure as a pathway for reducing post-harvest losses and strengthening food security in rural South Sudan. The analysis is developed from a mixed-...

Livestock, Pastoralism, and CGSL: Extending Community Financial Services to Agro-Pastoralist Communities in Lakes State

This article examines how Community Group Saving and Lending (CGSL) mechanisms can be extended to agro-pastoralist communities in Lakes State, South Sudan, where livestock, mixed farming and seasonal mobility shape rural financial needs. The article draws on a doctoral mixed-meth...

Herd Behaviour, Social Norms, and Collective Agricultural Decision-Making in South Sudanese CGSL Groups

Community Group Saving and Lending (CGSL) groups are usually discussed as informal financial institutions that compensate for weak rural banking systems. This article extends that view by examining CGSL groups as behavioural arenas in which herd behaviour, social norms and collec...

Interest Rate Dynamics in Informal Lending Groups: Welfare Implications for Small-Scale Farmers in Eastern Equatorial

Informal savings and lending groups occupy a critical space between household subsistence, market participation, and formal finance in rural South Sudan. This article examines interest rate dynamics in Community Group Saving and Lending (CGSL) mechanisms and assesses their welfar...

Optimism Bias, Over-Indebtedness and Default Risk in Informal Lending Groups: Evidence from South Sudan

Informal lending groups are often celebrated as locally embedded answers to financial exclusion, but their developmental value depends on whether borrowing remains productive and repayable. Objective: This article examines optimism bias, over-indebtedness and default risk in Comm...

Group Size, Governance Quality and Financial Performance of Community Savings and Lending Groups: A Cross-State Panel Study in South Sudan

Community Savings and Lending Groups (CGSLs) have become an important form of community-based finance in rural South Sudan, where formal banking infrastructure remains limited and agricultural livelihoods are exposed to post-conflict instability, seasonal liquidity shortages and...

Digital Financial Inclusion and the Future of Community Savings Groups in Sub-Saharan Africa: Lessons from South Sudan's Offline Reality

This article examines how Community Group Saving and Lending (CGSL) mechanisms can be extended to agro-pastoralist communities in Lakes State, South Sudan, where livestock, mixed farming and seasonal mobility shape rural financial needs. The article draws on a doctoral mixed-meth...

Optimism Bias, Over-Indebtedness and Default Risk in Informal Lending Groups: Evidence from South Sudan

Informal lending groups are often celebrated as locally embedded answers to financial exclusion, but their developmental value depends on whether borrowing remains productive and repayable. Objective: This article examines optimism bias, over-indebtedness and default risk in Comm...

Herd Behaviour, Social Norms, and Collective Agricultural Decision-Making in South Sudanese CGSL Groups

Community Group Saving and Lending (CGSL) groups are usually discussed as informal financial institutions that compensate for weak rural banking systems. This article extends that view by examining CGSL groups as behavioural arenas in which herd behaviour, social norms and collec...

Member Dropout and Group Failure in Village Savings and Loan Associations: Risk Factors and Mitigation in Fragile Contexts

Village Savings and Loan Associations (VSLAs), referred to in the source thesis as Community Group Saving and Lending (CGSL) mechanisms, are widely used in rural South Sudan because formal financial institutions remain distant, costly or unwilling to serve many smallholder farmer...

Digital Financial Inclusion and the Future of Community Savings Groups in Sub-Saharan Africa: Lessons from South Sudan's Offline Reality

This article examines how Community Group Saving and Lending (CGSL) mechanisms can be extended to agro-pastoralist communities in Lakes State, South Sudan, where livestock, mixed farming and seasonal mobility shape rural financial needs. The article draws on a doctoral mixed-meth...

Herd Behaviour, Social Norms, and Collective Agricultural Decision-Making in South Sudanese CGSL Groups

Community Group Saving and Lending (CGSL) groups are usually discussed as informal financial institutions that compensate for weak rural banking systems. This article extends that view by examining CGSL groups as behavioural arenas in which herd behaviour, social norms and collec...

Group Size, Governance Quality and Financial Performance of Community Savings and Lending Groups: A Cross-State Panel Study in South Sudan

Community Savings and Lending Groups (CGSLs) have become an important form of community-based finance in rural South Sudan, where formal banking infrastructure remains limited and agricultural livelihoods are exposed to post-conflict instability, seasonal liquidity shortages and...

Interest Rate Dynamics in Informal Lending Groups: Welfare Implications for Small-Scale Farmers in Eastern Equatorial

Informal savings and lending groups occupy a critical space between household subsistence, market participation, and formal finance in rural South Sudan. This article examines interest rate dynamics in Community Group Saving and Lending (CGSL) mechanisms and assesses their welfar...

From Savings Pot to Agricultural Capital: Tracing the Loan-Use Pathways of CGSL Members in Rural South Sudan

This article examines how Community Group Saving and Lending (CGSL) mechanisms convert small household savings into agricultural capital in rural South Sudan. Rather than treating CGSLs only as rotating savings associations, the paper traces the sequence through which members dep...

From Savings Pot to Agricultural Capital: Tracing the Loan-Use Pathways of CGSL Members in Rural South Sudan

This article examines how Community Group Saving and Lending (CGSL) mechanisms convert small household savings into agricultural capital in rural South Sudan. Rather than treating CGSLs only as rotating savings associations, the paper traces the sequence through which members dep...

From Subsistence to Market-Oriented Farming: The Role of Informal Credit in Agricultural Commercialization in Post-War South Sudan

This article examines how informal credit provided through Community Group Saving and Lending (CGSL) mechanisms supports the movement of rural households from subsistence and semi-subsistence farming towards market-oriented agriculture in post-war South Sudan. Drawing on a mixed-...

Commitment Savings Mechanisms in Community Groups: Behavioural Nudges for Agricultural Investment in Rural South Sudan

This article examines commitment savings mechanisms in Community Group Saving and Lending (CGSL) groups as behavioural nudges for agricultural investment in rural South Sudan. It is adapted from a mixed-methods thesis on CGSL mechanisms and rural agricultural development in Easte...

Child Schooling, Health Expenditure, and CGSL: Non-Agricultural Uses of Savings Group Loans and Their Development Implications

Community Group Saving and Lending (CGSL) mechanisms are commonly evaluated through their contribution to agricultural inputs, productivity and market-oriented production. In rural South Sudan, however, the same loan pools also finance child schooling, health treatment, transport...