Eleison recently completed a research study examining the impact of the Barug matched savings program on survivors of human trafficking and gender-based violence (GBV). Many survivors face considerable financial challenges which can increase their vulnerability to further exploitation and violence. Even so, evidence-based models for promoting survivors’ financial stability are extremely limited. Our study is one of the first globally to explore the impact of a matched savings program upon survivors of human trafficking.
Barug is a two-year matched savings program developed by Eleison for survivors and their family members. Barug uses a three-pronged approach: 1) matched savings, 2) a financial literacy training course (FLT), and 3) individual and group support meetings. Eleison matches participants’ savings at a 1:1 ratio for a year, and participants can use their savings for specific purposes such as housing repair, medical care, emergencies, and education. The FLT is a 3-month skills-building training covering savings, budgeting, debt management, financial negotiation with family members and peers, and emotional wellness. Barug support sessions allow survivors to receive support in working toward their individualized goals and build a supportive peer community throughout the two-year program.
Our study used a mixed methods approach. In addition to surveys before and after Barug, 10 in-depth interviews and 3 focus group discussions (FGDs) were conducted with Barug graduates. Findings showed that survivors increased their savings while participating in Barug. While 30% of clients had savings prior to Barug, afterwards 70% of participants had savings. On average, survivors’ total savings increased by over 400% while in Barug.
Survivors described Barug as having emotional, social, and financial benefits. Five key themes were identified:
- Escaping a cycle of debt: Many participants were in debt before Barug, but reduced or erased debts during the program. Debt was a significant life stressor and alleviating debt held emotional benefits.
- Prioritizing asset development: Survivors described fostering the habit of regular savings with the intention of building a safety net.
- Enhanced budgeting skills: Participants felt they learned how to track their spending and incorporate savings and debt management into their personal budgeting.
- Psychosocial impact: Before the program, being unable to meet daily financial needs caused stress, anxiety, and fear amongst survivors. After joining Barug, participants noted feeling less stress, calmer, and more “free” emotionally.
- Improved family relationships: Survivors faced difficulties navigating culturally-embedded family financial pressures. In Barug, they learned communication skills and strategies to set boundaries and strengthen family relationships.
To learn more about our study and findings, you can read our research brief. The scholarly publication from this study is forthcoming. Prior research findings about the Barug program can also be found on our website and at Forum: Qualitative Social Research.
To find out more or support our work, feel free to contact us at info@eleisonfoundation.org or donate here.
