ACTogether encourages and supports urban poor communities to get organized around Savings and Loans schemes. Members can save for building a house, securing tenure, implementing a development project in to improve their living environment, or for their own individual purposes. According to ACTogether’s approach, the loan proposal, proposal vetting, loan sanctioning and daily savings collections are the community savings groups’ entire responsibility.
It also allows the community to look upon the money as their own and grow in confidence as they learn how to manage their own funds and operate their own savings and loans system. These are usually organized in a very decentralized manner to maximize people's participation.