The temporary islands and embankment areas, or chars, of the Jamuna River in northwest Bangladesh are home to three million people: poor and isolated, these rural communities face multiple livelihood challenges. Opportunities to smoothen irregular household cash-flow are limited and households in the region regularly adopt severe coping strategies -- such as the distress sale of assets and reduced food intake -- to meet consumption and emergency needs. The Chars Livelihood Programme (CLP) aims to ensure that most poor char dwellers in the Jamuna River Basin have access to appropriate financial services through Savings Groups.