In business, the market gives you feedback in real time. Your sales figures tell you what's working, what isn't, and how you need to change. If you don't listen to the feedback, you go belly up. In philanthropy, there is no market.
When families save, they can get through emergencies like a bad harvest or a medical emergency. But it's more than that. They can also plan for the future, gradually saving up for a small business or for their children's school tuition.
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