Climate resilience
Variations in Village Savings and Loan Association (VSLA) Practices: An Assessment of Dynamics and Impacts in Zomba and Mangochi Districts – Titukulane Project
This assessment investigates variations in the practices of Village Savings and Loan Associations (VSLAs) in Zomba and Mangochi districts. While the VSLA model has been transformative in promoting financial inclusion and community empowerment in rural areas, there have been noticeable deviations from the CARE VSL methodology, commonly referred to as the standard methodology. With Titukulane's support for these VSLAs, it becomes imperative to comprehend the reasons and implications behind these changes.
The rapid assessment was instrumental in understanding the VSLA practices across selected districts. Qualitative data on the VSLA methodology variations were randomly drawn from 8 out of the 19 Traditional Authorities (TAs) where Titukulane is implementing interventions. Within this sample, the assessment encompassed diverse voices from VSLA members, Community Development Agents, Village Agents, and Titukulane staff. The research utilized a rapid assessment approach to gain a comprehensive overview of the VSLA practices in Zomba and Mangochi in a time-efficient manner. This methodology was chosen for its ability to capture immediate, relevant insights without necessitating the extended time frame typical of more intensive research methods. The rapid assessment prioritized direct interactions with participants, ensuring their experiences and perspectives were central to the data collected. This direct engagement proved invaluable, especially when exploring sensitive topics related to financial practices and internal group dynamics. Through this approach, the assessment aimed to offer a nuanced understanding of current VSLA practices and the motivations underpinning their variations. In the context of this study, variations refer to the distinct differences in approaches, outcomes, or practices observed among the groups, while deviations denote departures from the expected or standard methods prescribed by Titukulane, potentially indicating unique adaptations or challenges faced by certain groups.
Key Findings: VSLAs in both districts have adopted varied practices. Some VSLAs, for example, emphasize equal shares for every member, while others note disparities in contributions. Lending strategies, such as offering loans to non-members, also emerged, aiming to bolster financial inclusivity. However, such innovative strategies sometimes come with their own set of challenges, like difficulties in accurate record-keeping or financial strains from settling older debts using newer contributions. External influences, cultural beliefs, and regional dynamics also play key roles in these variations. Below is a complete list of the variations and deviations noted in the two districts:
• Shares and Savings: While some VSLAs continue to advocate for standardized shares per member to ensure equality, others experience disparities due to inconsistent contributions. For instance, in some groups members are allowed to purchase more than 5 shares at a time, with some purchasing up to 100 shares.
• Loan Practices: Innovative loan practices, including lending to non-members, aim to enhance financial inclusivity.
• Documentation and Record-Keeping: Challenges in maintaining accurate records are pervasive, with different approaches to record-keeping observed.
• Emergence of Digital Financing Platforms replacing cashboxes: In younger VSLA demographics, there's a rising adoption of digital financing platforms, such as Airtel Money and TNM Mpamba. However, this shift poses challenges for older members, who are less familiar with digital technologies.
• Religious and Cultural Adjustments: Deep-seated religious beliefs influence some VSLAs to refrain from charging interest.
• Influence of External Entities: VSLAs display adaptability and responsiveness to external influences, including NGOs and community initiatives.
• Group Dynamics: Many VSLAs have larger membership counts than recommended, possibly reflecting community resource pooling. Read More...
The rapid assessment was instrumental in understanding the VSLA practices across selected districts. Qualitative data on the VSLA methodology variations were randomly drawn from 8 out of the 19 Traditional Authorities (TAs) where Titukulane is implementing interventions. Within this sample, the assessment encompassed diverse voices from VSLA members, Community Development Agents, Village Agents, and Titukulane staff. The research utilized a rapid assessment approach to gain a comprehensive overview of the VSLA practices in Zomba and Mangochi in a time-efficient manner. This methodology was chosen for its ability to capture immediate, relevant insights without necessitating the extended time frame typical of more intensive research methods. The rapid assessment prioritized direct interactions with participants, ensuring their experiences and perspectives were central to the data collected. This direct engagement proved invaluable, especially when exploring sensitive topics related to financial practices and internal group dynamics. Through this approach, the assessment aimed to offer a nuanced understanding of current VSLA practices and the motivations underpinning their variations. In the context of this study, variations refer to the distinct differences in approaches, outcomes, or practices observed among the groups, while deviations denote departures from the expected or standard methods prescribed by Titukulane, potentially indicating unique adaptations or challenges faced by certain groups.
Key Findings: VSLAs in both districts have adopted varied practices. Some VSLAs, for example, emphasize equal shares for every member, while others note disparities in contributions. Lending strategies, such as offering loans to non-members, also emerged, aiming to bolster financial inclusivity. However, such innovative strategies sometimes come with their own set of challenges, like difficulties in accurate record-keeping or financial strains from settling older debts using newer contributions. External influences, cultural beliefs, and regional dynamics also play key roles in these variations. Below is a complete list of the variations and deviations noted in the two districts:
• Shares and Savings: While some VSLAs continue to advocate for standardized shares per member to ensure equality, others experience disparities due to inconsistent contributions. For instance, in some groups members are allowed to purchase more than 5 shares at a time, with some purchasing up to 100 shares.
• Loan Practices: Innovative loan practices, including lending to non-members, aim to enhance financial inclusivity.
• Documentation and Record-Keeping: Challenges in maintaining accurate records are pervasive, with different approaches to record-keeping observed.
• Emergence of Digital Financing Platforms replacing cashboxes: In younger VSLA demographics, there's a rising adoption of digital financing platforms, such as Airtel Money and TNM Mpamba. However, this shift poses challenges for older members, who are less familiar with digital technologies.
• Religious and Cultural Adjustments: Deep-seated religious beliefs influence some VSLAs to refrain from charging interest.
• Influence of External Entities: VSLAs display adaptability and responsiveness to external influences, including NGOs and community initiatives.
• Group Dynamics: Many VSLAs have larger membership counts than recommended, possibly reflecting community resource pooling. Read More...
Community-led Resource Mobilization & Early Warning Systems Process Assessment: Titukulane Project
This report examines the motivation and willingness of Village Civil Protection Committees (VCPCs) and communities to mobilize resources at community level for Disaster Risk Management (DRM). To do this, a participatory action research (PAR) approach was utilized, facilitated by SWOT analyses, in combination with focus group discussions (FGDs) and key informant interviews (KIIs). The findings revealed that communities had prepositioned resources to prepare for disaster response as part of risk reduction. Participants identified their ability to mobilize themselves as a community; to mobilize funds and food; well trained and knowledgeable structures, good agricultural practices, and good governance as major strengths. Opportunities for resource mobilization included enterprise, piece work (ganyu), irrigation farming, access to safety net programs, and youth participation. Weaknesses included the disorganization of some community structures, lack of support or political will from community leaders and the government, lack of accountability from VCPC members, and reluctance to adopt improved agricultural practices. Community-based early warning systems, although available, are insufficient to provide effective risk reduction for natural disasters. There is a lack of documentation concerning indigenous early warning systems, which impedes the development of effective and contextual strategies for risk reduction. The recommendations include increasing awareness among traditional leaders, defining resource mobilization structures, documenting guidelines and transactions for transparency, investing in early warning infrastructure and capacity building, documenting indigenous early warning signs, and intensifying watershed restoration and conservation to increase disaster preparedness. Read More...
SHOUHARDO III Performance and Impact evaluation
This report evaluates the performance of the SHOUHARDO III project, which targets poor households in the char and haor (wetland) areas of Bangladesh and aims to address food and income insecurity, maternal and child health and nutrition, women’s and youth empowerment, as well as improve access to public services while building resilience capacities. This evaluation employs three methodologies: qualitative inquiry, pre-post comparison, and impact evaluation. The impact evaluation matches communities treated by SHOUHARDO III with untreated communities ex-post, using baseline stunting rates from the 2014 DHS dataset. The evaluation finds that the SHOUHARDO III project engaged more than 40% of households surveyed within target villages and successfully targeted poor and female-headed households. The analysis of baseline and endline statuses (pre-post analysis) of households in the SHOUHARDO III-targeted areas demonstrates that households from these areas improved across several indicators, including poverty levels, the nutritional status of women and children, women’s empowerment, and gender equity. From a qualitative standpoint, participants from areas where SHOUHARDO III appeared well-implemented offers insights into the potential of the interventions. The qualitative evaluation found mechanisms of change in several areas that can be built upon and enhanced. Qualitative findings show that the program succeeded in promoting multi-sectoral change at household and community levels. They also show that SHOUHARDO III effectively targeted services to the most food-insecure, Poor and Extremely Poor members of communities, and its multi-generational and gender-inclusive approach to its interventions facilitated community acceptance. From the impact evaluation, it is likely that we can credit SHOUHARDO III with improvements in women’s dietary diversity, women and children’s minimum acceptable diet, antenatal care access, and the increase in participation across several sectors. In addition, households in SHOUHARDO III villages experienced statistically significant differences in one resilience indicator, and households in program villages that experienced major shocks were better able to maintain their food consumption than similar households in comparison villages. However, the impact evaluation does not find meaningful differences between households in targeted communities and households in non-targeted communities in terms of women’s mobility and decision-making, children’s nutritional status (including child stunting and underweight status), children’s diarrhea, exclusive breastfeeding, household hunger, and improved use of health and nutrition services overall. Improvements in mostmeasured conditions in the SHOUHARDO III program areas appear to have been matched by similar improvements in non-program areas, suggesting broader forces may account for them. Ultimately understanding differences between program areas and non-program areas can help inform decisions about future chapters of the SHOUHARDO III program and other development food security programs to ensure the most effective programs for vulnerable populations. Understanding the dynamics and mechanisms of change and responses of participants to interventions can also inform future work. Salient findings are also important to highlight for action. The research team concludes this report with recommendations. Read More...
Conflict and Climate Vulnerability and Capacity Analysis (CCVCA) Ségou region, Mali (GENRE+II Project))
The Ségou region of Mali is experiencing a steady increase in impacts from climate change, such as more erratic and reduced rainfall, increased temperatures, intensified seasonal flooding when rains do occur, and increased incidence of human and livestock diseases. These impacts interact with population pressures and natural resource management challenges to affect historical land use practices, such as agriculture and pastoralism, in the semi-urban and rural communes within the cercles of Baraouéli, Bla and Ségou. In these communes, women engage in a range of livelihood and subsistence activities related to natural resources, such as market gardening and forest product harvesting, often significantly augmenting household income. Therefore, it is important to include women in conflict resolution mechanisms over land and water, accounting for a scenario where climate impacts are predicted to intensify.
The Genre++ project, funded by the UK’s Foreign, Commonwealth and Development Office (FCDO), works with communities to identify and address interrelated causes and impacts of climate vulnerability, conflict and gender inequality. A novel Climate and Conflict Vulnerability and Capacity Assessment (CCVCA) tool was used to carry out a rapid participatory analysis of vulnerabilities and adaptive capacity with representatives from 12 communes in Ségou region (144 female, 156 male) from 9 to 20 March 2023. This report summarises the results of this analysis, discussing how climate change has interacted with other economic and demographic pressures to create tensions around natural resource management. It also details the community members’ current responses, as well as their recommendations for future action. Read More...
The Genre++ project, funded by the UK’s Foreign, Commonwealth and Development Office (FCDO), works with communities to identify and address interrelated causes and impacts of climate vulnerability, conflict and gender inequality. A novel Climate and Conflict Vulnerability and Capacity Assessment (CCVCA) tool was used to carry out a rapid participatory analysis of vulnerabilities and adaptive capacity with representatives from 12 communes in Ségou region (144 female, 156 male) from 9 to 20 March 2023. This report summarises the results of this analysis, discussing how climate change has interacted with other economic and demographic pressures to create tensions around natural resource management. It also details the community members’ current responses, as well as their recommendations for future action. Read More...
Rapid Gender Analysis on Power and Participation Ségou region, Mali (GENRE+II PROJECT)
This Rapid Gender Analysis on Power and Participation (RGA-P) is part of the GENRE+II project in the cercles of Bla, Ségou and Barouéli in the Ségou region of Mali. The project is funded by the Foreign and Commonwealth Office (FCDO) to build capacity for climate change adaptation, gender equality and social cohesion in the Ségou region.
This RGA-P is the first step in CARE's Women Lead in Emergencies (WLiE) model. It summarises the impact of the crisis on gender roles and relations, the capacity of women/girls to cope, participate and influence decision-making in response to the crisis, and offers ideas on how women can strengthen their own participation and leadership. The RGA-P is based on secondary and primary data collection carried out in March 2023 in eight communes in the cercles of Ségou, Bla and Barouéli in the Ségou region. Read More...
This RGA-P is the first step in CARE's Women Lead in Emergencies (WLiE) model. It summarises the impact of the crisis on gender roles and relations, the capacity of women/girls to cope, participate and influence decision-making in response to the crisis, and offers ideas on how women can strengthen their own participation and leadership. The RGA-P is based on secondary and primary data collection carried out in March 2023 in eight communes in the cercles of Ségou, Bla and Barouéli in the Ségou region. Read More...
Best Approaches from the Disaster READY Project Phase II to be Replicated at Scale by Government and/or Other Partners
This report analyzes best practices in Disaster Risk Management (DRM) derived from the second phase of the Disaster READY Project (DRP II), implemented by five agencies under the Australian Humanitarian Partnership (AHP). It identifies approaches that can be effectively scaled by the government and other partners in Timor-Leste, focusing on the inclusion of vulnerable populations. The evaluation investigates the effectiveness, inclusiveness, and localization of various project implementation strategies. Among the highlighted activities, Community Action Planning (CAP), Small Scale Disaster Mitigation Activities (SSDRMA), and Participatory Community Risk Assessment (PCRA) emerge as the most successful, showcasing a significant impact on community resilience and disaster preparedness while emphasizing the importance of local engagement and support for vulnerable groups.
Donor: Department of Foreign Affairs and Trade (DFAT), Australian Government
Total Page Count: 39
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Donor: Department of Foreign Affairs and Trade (DFAT), Australian Government
Total Page Count: 39
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LIVELIHOODS FOR RESILIENCE ACTIVITY
In October2019, CARE Ethiopia commissioned Care Plc. to conduct repeated annual intermediate result (IR) assessment of the Livelihoods for Resilience Activity over the coming three years, corresponding to the fiscal year of the project from 2019-2022. The study involves assessing project’s intermediate result that have been achieved based on the key performance indicators using information collected randomly selected project participating households as well as conducting multiyear trend analysis of changes in the well-being of project participants based on panel data are collected from 400 households . 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...