In remote regions where herder communities lack access to traditional banks and loan services, ZS Luujin has helped establish Village Savings and Loan Associations (VSLAs)—community-managed financial groups that offer a simple, reliable way to save money and access small loans. These grassroots banking systems are tailored for nomadic lifestyles, making it possible for families to manage their finances locally and independently. Within each VSLA, members contribute savings on a regular basis and make joint decisions on how funds are loaned and repaid. This approach not only builds financial security but also encourages shared responsibility and democratic participation.

Results So Far:

• 483 VLSA members, making up 82.9% of the Union of Conservation Communities (UCC)
• A combined savings total of 75 million MNT
• Members have seen a 22–35% increase in their individual savings
• Stronger community cooperation and practical skills in group organization and decision-making

By linking financial access with conservation programs, the VSLA model ensures that communities are not just participants, but leaders in building a more sustainable future—for themselves and for Mongolia’s wildlife.