savings groups

Digital Subwallets and Household Dialogues

This document reports the results of a women's financial inclusion intervention in rural Uganda from 2017 to 2019. Two innovations were tested among adult females: (1) a mobile banking service with digital subwallet folders labelled for women and (2) the same service coupled with a course of seven household counselling sessions aimed at equalizing the influence of women and men in the context of family money management.

The theory of change underpinning the project recognized that women's power over their own money, as well as their participation in household decision-making were very limited. Providing married women with greater autonomy and voice in household decision-making, it was proposed, would facilitate achievement of their own financial goals especially those believed to alleviate poverty, such as keeping children in school. The mobile banking service was meant to provide privacy and autonomy, while achieving voice was expected to occur as the result of the couples counselling sessions, which emphasized transparency, sharing, and collaboration. Importantly, the theory of change recognized that women's experience of empowerment takes place in the context of a struggle against disempowerment and often entails group solidarity.

The research was multimethod: a randomized controlled trial (RCT), administration of two scientifically validated psychological scales, bank data on the accounts, two exhaustive surveys, and 100 semi-structured interviews. The sample size was 1,423. The research design had two treatment groups and a control. Read More...

Nigeria VSLA COVID-19 Survey September 2020

CARE is working with women in savings groups to better understand their needs in COVID-19 and how they are already leading and adapting to cope with the crisis. This is the first of 3 planned rounds of data collection to better understand how women's needs are evolving during the crisis. The findings in this survey are informing CARE's programming for VSLAs in Nigeria and globally. Read More...

Malawi VSLA Survey for COVID-19 September 2020

CARE is working with women in savings groups to better understand their needs in COVID-19 and how they are already leading and adapting to cope with the crisis. This is the first of 3 planned rounds of data collection to better understand how women's needs are evolving during the crisis. The findings in this survey are informing CARE's programming for VSLAs in Malawi and globally. Read More...

Labor Market Survey and Value Chains Assessment – Final Report for LAMP Project

Livelihood improvement and value chain development are one of the most important focus areas of external aid in Afghanistan, as poverty has increased in Afghanistan over time due to protracted conflict. Afghanistan Living Conditions Survey (2016-17) shows that rural poverty stood at 58.6% in 2016-17. Reduction in donor aid together with population increase have contributed to this increase in poverty. Ongoing conflict in the country has resulted in internal displacement of populations from insecure remote areas and influx of returnees from neighboring countries to major urban centers. In this context, Care Afghanistan is implementing the Livelihood Advancement for the Marginalized Populations (LAMP) project in four urban centers (Balkh, Ghazni, Kabul, Khost) of Afghanistan for the Internally Displaced Persons (IDPs)/returnees, especially for male and female youth. The project comprises four components covering activities in agriculture, livestock, vocational training/business development services and school-to-work transition.

The project planned to conduct a Labor Market Survey (LMS) to identify priority sectors with potential for growth and wage employment, identify challenges in finding jobs and move forward with proposed recommendations to overcome the challenges. Another related objective was to identify business opportunities, growth potential, and constraints of micro, small, and medium enterprises, and make recommendations to mitigate their constraints. Along the LMS, the project also planned to conduct a Value Chains Assessment (VCA). Objective of the VCA is to identify promising related businesses for upgradation as value chains. To meet these objectives, the project commissioned this LMS and VCA study. Read More...

Go Green Project in Tanzania: Access To Sustainable Energy Solutions in Moshi, Hai and Same Districts in Kilimanjaro Region

The Go Green was a three-year project (2017-2019) seeking to increase the number of women in Kilimanjaro Region of Tanzania, who adopt and directly benefit from clean energy products through an innovative market-based approach. The objective of this evaluation was to assess the efficiency, effectiveness, relevance, and sustainability (evaluation criteria) of project implementation and, in particular, to document the results of the project in relation to its overall objective and expected results as defined in the project document. Additionally, the evaluation identified good practices and lessons learned which can be used when designing similar interventions in the future.

This project is working in three districts of Moshi, Hai and Same. The Kilimanjaro Region is one of the worst affected in
Tanzania by the impacts of climate change and variability with observed increase in temperature, decrease in precipitation levels, floods and droughts. Go Green is directly links with the private sector to improve last mile distribution at district and village level, thereby increasing disposable household income for women entrepreneurs. Read More...

Mid-Term Evaluation of the Adolescents Empowerment Program (AEP) in Mukuru and Kajiado, 2019

The Adolescents Empowerment Program (AEP) is a five-year (2015-2020) education project that is seeking to empower marginalized in-and out-of-school adolescent girls and boys aged 10-19 years in urban informal Nairobi (Mukuru) and rural Kajiado areas of Kenya. A baseline study was conducted in 2016 to inform implementation of the project. This midline evaluation was conducted in April 2019 to evaluate the progress of the project and inform programming mid-way through its implementation. The results will be used to guide the next steps in program implementation. The specific objectives of the midline study were to assess knowledge, attitudes and practices of adolescents on ASRH, gender norms, saving and economic empowerment, financial literacy, youth leadership and decision making, education and schooling.
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Mind the Gap Exploring the Gender Dynamics of CARE Rwanda’s Village Savings and Loans (VSL) Programming

This report documents the process, tools and key findings of a Gender Gap Analysis (GGA) carried out by CARE
Rwanda in late 2011 to explore how gender dynamics influence the process and outcomes of the VSL methodology
as a programming platform for women’s empowerment. The findings of the CARE Rwanda Gender Gap Analysis indicate that normative gender roles and inequitable power relations between men and women significantly constrain women’s ability to fully participate in and benefit from the VSL methodology. The specific objectives of the CARE Rwanda GGA were:

 To learn how gender norms shape women’s participation in and benefits from VSL groups;
 To understand the different experiences of men and women participating in VSL groups; and
 To formulate recommendations for strengthening the VSL methodology to address issues relating to gender
dynamics. Read More...

RAPPORT EVALUATION FINALE INTERNE. PROJET RAPPORT EVALUATION FINALE INTERNE. PROJET SOUTENIR LA RELANCE ECONOMIQUEET RENFORCER LA SECURITE ALIMENTAIRE DANS LES MENAGES VICTIMES DE LA CRISE DES GROUPES ARMES DANS LA PROVINCE DU LAC TCHAD. ERSFS

Le projet « Soutenir la relance économique et renforcer la sécurité alimentaire dans les ménages victimes de la crise des groupes armés dans la Province du lac Tchad (ERSFS) » a été mis en œuvre dans la province du Lac Tchad, département de FOULI, MAMDI et KAYA. Il a été entièrement financé par le gouvernement Tchèque. Cette évaluation finale interne révèle les éléments suivants les principaux critères de l’évaluation que sont : sa pertinence, son efficience, son efficacité, ses impacts et sa durabilité.

Impacts
• 82% des ménages appuyés ont amélioré leur score de consommation alimentaire suite à l’action ;
• 100 bénéficiaires sont formés sur les risques liées à la migration en Europe
• 375 femmes appuyées par le projet développent des Activités Génératrices de Revenus (AGR) ;
• 250 ménages ont bénéficié de cash pendant la période de soudure (juillet, aout et septembre) pour un montant total de 45000 XAF soit 15000 XAF par ménage et par mois.
• Un montant total de 11.250.000 XAF a été injecté en cash pour favoriser l’accès aux marchés en faveur de ménages pauvres pendant la période de soudure ;
• 77% des ménages touchés par le projet ont pu satisfaire leur besoin alimentaire grâce au cash reçu ;
• La durée des stocks de denrées de première nécessité détenus par les ménages pour leur propre consommation a augmenté de 4 mois ;
• 200 ménages ont été appuyés à reconstituer leur cheptel animal avec 600 sujets soit 3 petits ruminants pour un ménage. Un montant total de 10.500.000 XAF a été injecté pour l’acquisition de ruminants pendant cette foire ;
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Women in Enterprise Phase II Final Evaluation

The ongoing conflict and economic crisis still remain the main drivers of food insecurity with the protracted conflict destroying livelihoods, limiting income opportunities and further reducing families’ ability to purchase food. The situation of women and girls in Yemen is very challenging; conflict has added layers of vulnerability for women and girls and exacerbated existing gender inequalities, and in 2017 Yemen was ranked at the bottom of the Gender Gap Index 2017 (144th out of 144 countries).

Taking Enterprise Development for Women Empowerment to Scale (TEDWES) in Yemen was aimed to support and empower Yemeni women economically focusing on 3 components:
- Women entrepreneurs’ skills and capabilities.
- Women’s visibility, collective voice and representation.
- Enabling conditions for women entrepreneurs.

The core objective of this evaluation was to provide evidence-based assessment of the program’s performance against the intervention logic and existing program indicators; through comparing end-line data to baseline data. In addition, the evaluation sought to assess the validity and relevance of the project to the needs and priority of the target groups and with knowledge around the gender equality challenges in the project context. Key to this evaluation was also to assess the sustainability of the outcomes of the project, beyond the project lifetime. The assessment utilized key evaluation questions to examine the relevance of the project indicated in these objectives.
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BASELINE STUDY REPORT: AGRO-SOURCE: LAST-MILE AGRICULTURAL INPUT SUPPLY SYSTEMS

The Agro-Source project in Ghana is a two and half (2½) year project (July 2018 to December 2020). The overall goal of the Agro-Source project is to improve the productivity of 30,000 smallholder women farmers in five (5) districts i.e. Garu, Tempane, Bawku West, Lambussie-Karni and Nandom in the Upper East and West regions of Ghana through increased availability, access and use of good quality agricultural inputs by 2020.

The baseline study was to establish a benchmark against which to measure the progress and achievements of the project. It was to generate: information on the current status on the availability of quality agro-inputs in the target locations and information regarding smallholder women farmers’ access to and utilization of agro-inputs to improve their productivity.

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