The global poor already prefer savings to loans, but add in an additional monetary incentive to save and piggy banks begin to fill even faster. After years of hype about microlending being the key to upward economic mobility for the world’s poor, relying on simple savings may seem like a set-back. But savings can be a debt-free way to build wealth, make investments, and better one’s life. And the best news is that no amount is too small when it comes to savings. Every penny counts, especially when a percent of those pennies saved is matched and awarded to the saver. This reward incentive is one aspect of the Global Outreach Alliance’s microsavings program. GOA, is a volunteer-driven nonprofit implimenting sustainable development solutions in Cambodia, Kenya, Israel, Tibet and Uganda. GOA’s microsavings program in Kenya is successful because it provides incentives.