To link a program for inclusion in the financial system with conditional cash transfers:

1. It is safe.
2. It is private.
3. It empowers women.
4. It reduces women’s vulnerability.
5. It enables women to improve the quality of their consumption.
6. It allows women to plan their expenses.
7. It allows women to manage liquidity.
8. It has zero cost.
9. It is divisible.
10. It can be expanded.
11. It provides a direct channel. 

 In short:

Linking a program for inclusion in the financial system with a CCT program gives the beneficiaries a tool for managing liquidity so they can plan their expenses and consumption, facilitates investment in human capital, and builds self-esteem.

Florentina Cansaya

“I have gotten out of extreme poverty thanks to the project. Before the project, I depended entirely on my husband. I felt I was psychologically mistreated and humiliated at home. I never thought about the future. I decided to join the project even though my husband did not want me to. It was the best thing I could have done, because now I am more organized. I would like to start a handcraft business.”

Apu Uyayuq