Adolescent Girls Empowerment Program (AGEP)

girl sitting outside, writing in notebook


Population Council (DFID)


Capacity Building


Adolescent girls in Zambia face social, economic, and health challenges that inhibit a healthy transition from girlhood to womanhood. There is a lack of concerted effort to empower them by improving their financial literacy and access to finance.


Making Cents International supported the development of a holistic package of social and economic interventions for girls ages 10–19. We assisted Zambia’s National Savings and Credit Bank (NatSave) in their market research to better understand girls’ income and spending patterns, current savings practices, and perceptions of banks, with the goal of developing a tailored savings and financial literacy package. Together, we developed, tested, and piloted Girls Dream, a savings prototype that served 600 girls in 2012-13. We then facilitated the development of a Roll-Out Plan linked to expanding availability of the savings product to 8 new communities, reaching 3,300 girls in 2013-14. We continued to contribute to the finalization of AGEP’s financial education curriculum, which was initially piloted with 1,000 girls and has been used with 10,000 girls across the country.