Remember when the economic crisis taught us the importance of saving some of our money for a rainy day? That’s a lesson the microfinance community is increasingly warming up to, too. I wrote a piece about the shift—emphasizing savings, not just lending—last summer, but I’m mentioning it again today because the Gates Foundation has announced that it will give $38 million in grants to organizations trying to figure out cost-efficient ways to drum up savings in poorer parts of the world.