Viet Nam
Mastercard Impact Fund and CARE Global Partnership: Ignite Program Endline Results Report
From December 2019 through May 2023, the Ignite project, supported by the Mastercard Center for Inclusive Growth, was implemented by CARE in Vietnam, Pakistan and Peru where there are large segments of unserved micro and small enterprises ready for investment. The project was intended to increase financial security and resilience and grow the businesses of underserved micro-entrepreneurs, specifically those MSEs with between 2-10 employees, who have been in business for 2+ years. To achieve the above goal, the Ignite program envisioned a series of interventions to achieve intermediate outcomes, including improved ability to intentionally serve this segment from FSPs, business growth, financial sustainability, financial product performance, job creation and retention, financial resilience and enhanced digital literacy.
Impact level indicators include increase in household income and financial resilience. Both of the impact indicators have shown positive movements illustrating that the project has created a positive change. There are different degrees of change in different countries.
Percentage of strivers who reported an increase in household income showed impact across all three countries.
• Vietnam almost doubled the total number of households who increased income between baseline and endline (44% at baseline; 87% at endline), an increase of 43 percentage points.
• In Pakistan the number went up by 16 times (3% at baseline; 51% at endline).
• In Peru a total of 33% of the households reported an increase in their household income at the end of the project.
Percentage of strivers’ financial resilience also showed improvement.
• Vietnam recorded 43 percentage points improvement between baseline and endline (67% at baseline; 96% at endline).
• Peru showed 26 percentage points growth between baseline and endline (42% at baseline; 53% at endline).
•No comparable data for this indicator was found from Pakistan. Read More...
Impact level indicators include increase in household income and financial resilience. Both of the impact indicators have shown positive movements illustrating that the project has created a positive change. There are different degrees of change in different countries.
Percentage of strivers who reported an increase in household income showed impact across all three countries.
• Vietnam almost doubled the total number of households who increased income between baseline and endline (44% at baseline; 87% at endline), an increase of 43 percentage points.
• In Pakistan the number went up by 16 times (3% at baseline; 51% at endline).
• In Peru a total of 33% of the households reported an increase in their household income at the end of the project.
Percentage of strivers’ financial resilience also showed improvement.
• Vietnam recorded 43 percentage points improvement between baseline and endline (67% at baseline; 96% at endline).
• Peru showed 26 percentage points growth between baseline and endline (42% at baseline; 53% at endline).
•No comparable data for this indicator was found from Pakistan. Read More...
BEYOND THE LINE: Connecting Trust in Ho Chi Minh City
In the heart of District 12, Ho Chi Minh City, a remarkable journey has unfolded over the past year, of a group named Connecting Trust, consisting of women garment workers at Nobland factory. Through this process, workers came together, identified issues, collected data from their peers, analyzed it, and developed initiatives to address the challenges they were facing. This project is a testament to the power of collective action, hence, the name of the worker’s group – Connecting Trust. Milestones were achieved, including a groundbreaking dialogue with factory managers where workers courageously presented their findings and proposed solutions. Furthermore, the Family Day event, organized by the workers themselves, celebrated the bond between workers and their children, promoting not just well-being but also creating lasting memories of unity and togetherness.
It is a journey that resonates with strength, leadership, confidence, and collective voice, a testament to the transformative power of unity and empowerment. These women have embarked on a path to improve their well-being and, in doing so, have inspired us all. Their journey began in October 2022, and concludes in October 2023, but its impact will be everlasting.
The project, developed and managed by CARE International in Vietnam, funded by Lululemon and executed by the Centre for Community Empowerment (CECEM), at its core, is about amplifying the voices and building leadership of female factory workers. It is about nurturing their strength, to become stronger, more capable, and equipped to embark on new endeavors. It is about fostering leadership and collective action, motivating them to lead their own initiatives to bring about positive changes. It is about instilling confidence, enabling them to engage in dialogue with factory managers, and advocate for their rights and needs.
The stories within this photobook are about courage, resilience, and hope, told by the women workers. Each photograph tells a story of growth and empowerment, of women behind the “Made in Vietnam” clothes tag, who once were unheard; yet, are now leading the change they wish to see. This photo book serves as a tribute to their unwavering strength, their journey from vulnerability to empowerment, and their newfound capabilities to embrace change.
With profound appreciation, we acknowledge the pivotal role played by Nobland factory, where this remarkable transformation happened, and their continuous collaboration throughout the project implementation. We also extend heartfelt gratitude to Lululemon, the project donor, whose vision intensively focuses on creating a meaningful impact on worker’s well-being and support with essential resources for this long-term intervention. Lastly, to the women workers who have trusted this process and chosen to join with CARE and CECEM, your story is evidence of the extraordinary potential within us all, and together, we can create a brighter and more equitable future.
As we peruse through these pages, we invite you to witness this exceptional journey. Let it serve as a beacon of inspiration, reminding all of us that when voices unite, when leadership flourishes, when confidence soars, and when connections are strengthened, transformation is not just possible — it’s inevitable.
Read More...
It is a journey that resonates with strength, leadership, confidence, and collective voice, a testament to the transformative power of unity and empowerment. These women have embarked on a path to improve their well-being and, in doing so, have inspired us all. Their journey began in October 2022, and concludes in October 2023, but its impact will be everlasting.
The project, developed and managed by CARE International in Vietnam, funded by Lululemon and executed by the Centre for Community Empowerment (CECEM), at its core, is about amplifying the voices and building leadership of female factory workers. It is about nurturing their strength, to become stronger, more capable, and equipped to embark on new endeavors. It is about fostering leadership and collective action, motivating them to lead their own initiatives to bring about positive changes. It is about instilling confidence, enabling them to engage in dialogue with factory managers, and advocate for their rights and needs.
The stories within this photobook are about courage, resilience, and hope, told by the women workers. Each photograph tells a story of growth and empowerment, of women behind the “Made in Vietnam” clothes tag, who once were unheard; yet, are now leading the change they wish to see. This photo book serves as a tribute to their unwavering strength, their journey from vulnerability to empowerment, and their newfound capabilities to embrace change.
With profound appreciation, we acknowledge the pivotal role played by Nobland factory, where this remarkable transformation happened, and their continuous collaboration throughout the project implementation. We also extend heartfelt gratitude to Lululemon, the project donor, whose vision intensively focuses on creating a meaningful impact on worker’s well-being and support with essential resources for this long-term intervention. Lastly, to the women workers who have trusted this process and chosen to join with CARE and CECEM, your story is evidence of the extraordinary potential within us all, and together, we can create a brighter and more equitable future.
As we peruse through these pages, we invite you to witness this exceptional journey. Let it serve as a beacon of inspiration, reminding all of us that when voices unite, when leadership flourishes, when confidence soars, and when connections are strengthened, transformation is not just possible — it’s inevitable.
Read More...
Unlocking the Potential of Women-led Micro & Small Enterprises: Lessons from the IGNITE project in Pakistan, Peru, and Vietnam
Micro and small enterprises (MSEs) are the economic backbone of most economies worldwide, increasing employment and reinvesting in local communities. In emerging markets, there are 365-445 million micro, small, and medium enterprises. However, 80% of women-owned small businesses with credit needs are either unserved or underserved, representing a $1.7 trillion USD financing gap.
CARE’s Ignite program, launched in partnership with the Mastercard Center for Inclusive Growth, focused on supporting micro and small enterprises, especially those led by women, in Pakistan, Peru, and Vietnam
between 2020 and 2023.
Ignite took a market-based approach to service delivery that was sustainable and scalable by working with over 35 local partners across the three countries, 11 of which were core service delivery partners. These partnerships opened up much-needed access to financial and digital resources, while building entrepreneurs’ business capacity and networks.
Ignite set out to reach 3.9 million entrepreneurs in three years with $5.26 million USD in grant funding from Mastercard. The program exceeded initial goals, reaching more than nine million entrepreneurs, and unlocking access to $154.9 million USD in loans. More than 150,000 entrepreneurs were deeply supported with loans, critical support services, and training.
The commercial value in supporting women-led MSEs is irrefutable. Global data continues to show this and,
together with Ignite financial service provider partners, CARE has proved it. Despite this, gender bias continues to permeate throughout financial institutions the world over. CARE is calling on all financial service providers to read the proof in this report that women are better financial clients, to support the drive for 100% financial inclusion for women, and to invest in reaching this goal. Read More...
CARE’s Ignite program, launched in partnership with the Mastercard Center for Inclusive Growth, focused on supporting micro and small enterprises, especially those led by women, in Pakistan, Peru, and Vietnam
between 2020 and 2023.
Ignite took a market-based approach to service delivery that was sustainable and scalable by working with over 35 local partners across the three countries, 11 of which were core service delivery partners. These partnerships opened up much-needed access to financial and digital resources, while building entrepreneurs’ business capacity and networks.
Ignite set out to reach 3.9 million entrepreneurs in three years with $5.26 million USD in grant funding from Mastercard. The program exceeded initial goals, reaching more than nine million entrepreneurs, and unlocking access to $154.9 million USD in loans. More than 150,000 entrepreneurs were deeply supported with loans, critical support services, and training.
The commercial value in supporting women-led MSEs is irrefutable. Global data continues to show this and,
together with Ignite financial service provider partners, CARE has proved it. Despite this, gender bias continues to permeate throughout financial institutions the world over. CARE is calling on all financial service providers to read the proof in this report that women are better financial clients, to support the drive for 100% financial inclusion for women, and to invest in reaching this goal. Read More...
Technologically Enhanced Agricultural Livelihoods (TEAL)
interviews, focus groups discussion with community women and men and relevant project stakeholders, and reflection with project team and partner. (2) Secondary sources included data from the desk review with the relevant project documents such as project reports, project MEL data, local reports, relevant policy and statistical data from the baseline study and MTR. The evaluation report is structured in three parts. Chapter 1: Introduction; Chapter 2: Findings (Demographic characteristics of the survey sample are showed in Section 2.1. Section 2.2 demonstrates the project outreach. Sections 2.3 to 2.8 give the evaluation criteria. PwD participation is covered in
sections 2.9 and sections 2.10 discusses how the Project contributes to preventing gender-based violence (GBV)); and Chapter 3: Conclusion and recommendation. The findings in the final evaluation report (are presented in Chapter 2) are summarized here:
● Project Outreach: The TEAL project has realized the plan in reaching out to the intended beneficiaries, in terms of numbers. At the endline, the number of direct beneficiaries is significantly higher than the target. The same goes for the number of indirect beneficiaries.
● Relevance: (i) The TEAL project complies fully with the approaches of CARE's WEE Framework; (ii) The approaches of the TEAL Project are consistent with the long-term orientations of Son La and Dien Bien and are considered a leverage to achieve the provincial economic development objectives; (iii) The Project is suitable for the needs of ethnic minorities and the needs of people with disabilities in many respects; and (iv) The TEAL project has found every creative solution to meet the needs of people with disabilities in the project.
● Coherence is assessed high when the project's intervention is not overlapped/duplicated with other similar interventions that takes place in the same location, target the same beneficiaries and aims for the same impacts. Project coherence is also considered high when it is implemented as a complemented to other interventions in terms of resources and approaches
● Effectiveness: Almost indicators are achieved, even some of them have exceeded the plan. However, there are still a few limitations, such as: the design of VSLA has not significantly contributed to the achievement of expected outcome 3 - EM women in the Arabica coffee value chain are financially included
● Impacts: The changes in women's agency are generated by contribution from TEAL intervention. The project also builds women's relationships with other actors in the specialty arabica coffee value chain by supporting a lead processing actor who is committed to inclusive business. An unexpected positive impact of the Project is to build a culture of enjoying local specialty coffee among the coffee-growers community. Another unexpected positive effect was noted. The TEAL Project has contributed to building a sustainable relationship between processing groups and leading coffee experts in Vietnam.
● Sustainability: (i) Both male and female project beneficiaries are highly available and committed to continue project's activities; (ii) At the end of project evaluation, two women-led processing groups (Ara-Tay Cooperative and CFCE) were able to understand the concept of fixed asset depreciation and formulate a plan on using profits estimated from business operations to replace existing equipment by purchasing new machinery at the end of the depreciation period; (iii) The large investment of the Project for Ara-Tay Cooperative and CFCE while the number of their satellites remains low indicates a risk of distribution of the project benefits in the long run if these two processors are not proactive in extending links to new satellite farmers; and (iv) The project has done a good job when introducing processing solutions that have less impact on the environment .
● Engagement of PwD: The stories shared by the participants in the final evaluation strongly illustrate PwD's engagement in the TEAL Project.
● Gender-based Violence: In recent times, it has been observed that the number of quarrels between husband and wife has been a lot decreased. Men are more aware that forbidding their wives to engage in social activities is also a type of violence. The Pearson's Chi-squared test shows that the correlation between participation in discussions about gender and gender inequality held by the TEAL Project and the change in social norm about domestic violence was statistically significant. Read More...
sections 2.9 and sections 2.10 discusses how the Project contributes to preventing gender-based violence (GBV)); and Chapter 3: Conclusion and recommendation. The findings in the final evaluation report (are presented in Chapter 2) are summarized here:
● Project Outreach: The TEAL project has realized the plan in reaching out to the intended beneficiaries, in terms of numbers. At the endline, the number of direct beneficiaries is significantly higher than the target. The same goes for the number of indirect beneficiaries.
● Relevance: (i) The TEAL project complies fully with the approaches of CARE's WEE Framework; (ii) The approaches of the TEAL Project are consistent with the long-term orientations of Son La and Dien Bien and are considered a leverage to achieve the provincial economic development objectives; (iii) The Project is suitable for the needs of ethnic minorities and the needs of people with disabilities in many respects; and (iv) The TEAL project has found every creative solution to meet the needs of people with disabilities in the project.
● Coherence is assessed high when the project's intervention is not overlapped/duplicated with other similar interventions that takes place in the same location, target the same beneficiaries and aims for the same impacts. Project coherence is also considered high when it is implemented as a complemented to other interventions in terms of resources and approaches
● Effectiveness: Almost indicators are achieved, even some of them have exceeded the plan. However, there are still a few limitations, such as: the design of VSLA has not significantly contributed to the achievement of expected outcome 3 - EM women in the Arabica coffee value chain are financially included
● Impacts: The changes in women's agency are generated by contribution from TEAL intervention. The project also builds women's relationships with other actors in the specialty arabica coffee value chain by supporting a lead processing actor who is committed to inclusive business. An unexpected positive impact of the Project is to build a culture of enjoying local specialty coffee among the coffee-growers community. Another unexpected positive effect was noted. The TEAL Project has contributed to building a sustainable relationship between processing groups and leading coffee experts in Vietnam.
● Sustainability: (i) Both male and female project beneficiaries are highly available and committed to continue project's activities; (ii) At the end of project evaluation, two women-led processing groups (Ara-Tay Cooperative and CFCE) were able to understand the concept of fixed asset depreciation and formulate a plan on using profits estimated from business operations to replace existing equipment by purchasing new machinery at the end of the depreciation period; (iii) The large investment of the Project for Ara-Tay Cooperative and CFCE while the number of their satellites remains low indicates a risk of distribution of the project benefits in the long run if these two processors are not proactive in extending links to new satellite farmers; and (iv) The project has done a good job when introducing processing solutions that have less impact on the environment .
● Engagement of PwD: The stories shared by the participants in the final evaluation strongly illustrate PwD's engagement in the TEAL Project.
● Gender-based Violence: In recent times, it has been observed that the number of quarrels between husband and wife has been a lot decreased. Men are more aware that forbidding their wives to engage in social activities is also a type of violence. The Pearson's Chi-squared test shows that the correlation between participation in discussions about gender and gender inequality held by the TEAL Project and the change in social norm about domestic violence was statistically significant. Read More...
Enhanced livelihoods and increased resilience of poor ethnic minority women and men rural areas to the effects of climate change and variability – Information for Adaptation in Vietnam (InfoAct)
The overall objective of the InfoAct Project is to enhance livelihoods and increase the resilience of poor ethnic minority women and men in rural areas to the effects of climate change and variability. This is to be accomplished through a specific objective (outcome) to ensure ethnic minority households in rural areas have improved access to and use of climate information, and resources to help increase their climate resilience. The InfoAct Project is focusing mainly on two target groups: (1) 5,000 ethnic minority households, especially women, in Dien Bien and Lai Chau provinces and (2) government authorities and service providers, namely Department of Hydro-Meteorology, Department of Agriculture and Rural Development (DARD) and the provincial VWU and CCD. As InfoAct was going to phase out after three years’ implementation and close all its activities by November 2021, an independent final evaluation was conducted to understand the project’s impacts/outcomes and key lessons learned. Read More...
Vietnam: Female profile, impact, and experience – IGNITE program
Care International Vietnam outperforms 60 Decibels Benchmarks on female inclusivity and client satisfaction. There may be an opportunity to target more first-time loan clients with unique loan offerings. Read More...
IGNITE Project Mid-Term Lean Impact Report
CARE’s Women’s Entrepreneurship programming aims to reduce barriers that women entrepreneurs face by offering a combination of services – both financial and non-financial – that are essential to creating sustainable growth and empowerment for women entrepreneurs. CARE partnered with 60 Decibels and Mission Measurement - who represented Mastercard Center for Inclusive Growth – to perform a specialized lean impact study across Vietnam, Pakistan, and Peru to measure core business themes and capture the impact of the CARE Women’s Entrepreneurship program. Read More...
Gender Norms Study: Women-led Micro and Small Businesses – Vietnam
Social Norms are the rules that govern behavior. Gender norms are social norms defining acceptable and appropriate actions for women and men in a given group or society. They are embedded in formal and informal institutions, nested in the mind, and produced and reproduced through social interaction. They play a role in shaping women and men’s (often unequal) access to resources and freedoms, thus affecting their voice, power and sense of self. The purpose of this study was to gain quantitative and qualitative information about social and gender norms affecting women entrepreneurs in Vietnam related to childcare responsibilities, who should be the breadwinner and who is upholding these norms. Read More...
Garment workers during the pandemic: The need and experience of finding alternative livelihoods
Along with the economy ravaged by the epidemic, the life of workers in Vietnam, especially garment workers, faces great difficulties. Millions of jobs have been affected, and some hundred thousand people have lost their income and in turn, livelihoods. It is the beginning of a precarious situation
with no way out. This report was made to understand the specific needs of the target group that the Worker support platform project is targeting, with the goal of accurately meeting their need to find alternative jobs, provided such a job matching platform is unprecedented. Read More...
with no way out. This report was made to understand the specific needs of the target group that the Worker support platform project is targeting, with the goal of accurately meeting their need to find alternative jobs, provided such a job matching platform is unprecedented. Read More...