It is not common to find people with savings culture in local villages but I can say with confidence that people have lots of credit culture. Villages or towns may not have any bank, but they are not devoid of money lenders, private lending companies, MFIs and Cooperatives willing to lend money to the poor with sometimes exorbitant interest rate.
The farmers in San Francisco de Macoris, the employees of Retreat House Manresa Loyola in the Dominican Republic and the women of Choré in Paraguay, these people in seemingly different settings, have something in common: abundant experience with credit. The high interest rate prevents people from moving forward: A guy who borrowed RD$10,000 (US$250), ended up paying RD$46,000 in one year, almost 5 times more.
This is why savings group is important : not only to create savings habits, but also to save people from falling into the deadly debt trap.