Vsla

COVID-19 & Women: Saving for Resilience

The COVID-19 pandemic has not had an equal impact on women and men. Through our data we are seeing a significant increase for women in caregiving duties, household chores and gender-based violence, as well as a devastating and worsening impact on livelihood for everyone. Despite this, small glimmers of hope are where women from VSLAs are increasingly taking on leadership roles within their communities and men are beginning to engage more in household chores.

The Women (in VSLAs) Respond data includes the voices of 4,185 Village Savings & Loan Association (VSLA) members (3,266 women and girls) in Burundi, Ethiopia, Mali, Nigeria, Niger, and Uganda. This initiative sought to assess how VSLA members, both as individuals and groups, are affected by the pandemic
and how they responded and adapted to cope with the crisis. The data specifically looks at the impact on individuals and their needs, as well as how groups
have been affected, and how they have adapted. Read More...

Sawtahaa (Her Voice) in Peacebuilding and Recovery Actions Final Evaluation

The longstanding cultural practices across Sudan often exclude women from decision making, even in issues of direct concern to them, such as early marriage and FGM. This report builds on CARE's efforts in the context of the “Sawtahaa” project to analyse women's situation in the post conflict processes and to enhance transformative change in three areas, namely: structure, relations and agency. This was directed to enhance women's role in decision making and in addressing issues of direct concern to them.

The Darfur Community Peace and Stability Fund (DCPSF) was launched in 2007 to help facilitate peacebuilding by restoring the capacity and authority of traditional community-based conflict resolution mechanism and to enhance the delivery of economic and basic social services by implementing a number of community-based activities.
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Baseline Report of the Titukulane Resilience Food Security Activity in Malawi

While Malawi is moving up on the Human Development Index, in 2017 it is still classified as a low human development country (171 of 189). Despite decades of robust government and donor investments in livelihoods, food security, nutrition, and resilience, over 50% of the population lives below the poverty line. Previous activities have not sufficiently reduced the number of chronically food and nutrition-insecure households nor effectively enhanced the capacity of local and government structures to implement resilience focused policies and actions. To address these issues, the Government of Malawi has developed a National Resilience Strategy (NRS) to guide investments in agriculture, reduce impacts and improve recovery from shocks, promote household resilience, strengthen the management of Malawi’s natural resources, and facilitate effective coordination between government institutions, civil society organizations and development partners. CARE and consortium partners have designed the Titukulane Resilience Food Security Activity (RFSA) which means “let us work together for development” in the local Chichewa language—to support implementation and ensure the effectiveness of the NRS. The Titukulane RFSA, implemented by CARE International in Malawi (CIM), aims to achieve sustainable, equitable, and resilient food and nutrition security for ultra-poor and chronically vulnerable households. Titukulane is implemented in Zomba and Mangochi districts of Malawi’s Southern Region. Read More...

Gender-Sensitive Conflict Analysis in South and East Darfur States, Sudan, 2022

CARE International in Sudan is implementing the project “Enhancing resilience through improved food security, disaster risk reduction and peaceful co-existence in South and East Darfur states, Sudan” (1 September 2021 – 31 August 2025) through funding from the German Ministry of Economic Cooperation and Development (BMZ). The project addresses the specific needs, vulnerabilities, and capacities of women, youth, and persons with disabilities to strengthen their resilience to buffer, adapt, and respond to future shocks at an individual, family, and community levels. This gender sensitive conflict analysis in East and South Darfur – representing eight villages – is to understand the causes, power and gender dynamics, and actors of conflicts in the project area.

The conflict in Darfur is escalating rapidly, with eight times more people killed and displaced in 2021 than in 2020. Inflation rose by 359% in 2021. Climate change—marked by devastating floods and prolonged droughts—combined with food insecurity and a lack of services leaves people feeling violence is their only choice.
A profoundly unequal and harmful set of social norms that do not value women, and even refer to them as vessels of the devil, coupled with laws that do not protect women and their rights, are pushing many burdens of this crisis onto women. A common saying is, “Almara mamlouka ela malak Almout” or “A woman is owned to death.” As the situation gets more extreme and livelihoods and service get scarcer, women are more likely to be working outside the home to help meet family needs. Men have not increased their involvement in household chores and childcare to compensate for these shifts—leaving women with even higher burdens than before. The shifts in women having to work outside the home have not translated into corresponding improvements in women’s rights, engagement in politics, or access to public life.
This research draws from 20 focus groups and 20 Key Informant Interviews that represent the views of 193 people (45% of whom were women) in eight villages in July of 2022. It also looks at 44 secondary sources.
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Study on the sustainability of GRAD structures and outcomes

This study conducted by PDCR aims to better understand the sustainability and functionally of the processes and elements of GRAD-I as well as the different actors and structures supported and established by the project. And as such this report will focus on VESAs, household/value chains, agro-dealers, FEMAs/Cooperatives, micro-franchise, multi-stakeholders platform and access to finance after the project ended and will cover the period from December 2016 until September 2019.

Background
The Graduation with Resilience to Achieve Sustainable Development (GRAD) project (hereafter referred to as the project) was a five-year USAID-funded project which began in December 2011 and ended in December 2016. Its strategic objective was to graduate a minimum of 50,000 chronically food-insecure households from the Ethiopian Government’s (GoE’s) Productive Safety Net Program (PSNP). Additionally, it aimed to increase each household’s income by $365 by the project’s fifth year in 16 Woredas in Tigray, Amhara, Oromia, and Southern Nations, Nationalities, and Peoples Region (SNNPR). During the implementation of the project combined “push” and “pull” model into a complete and integrated package of interventions and within this model the project at times established and/or the above-mentioned actors.

Methodology
Accordingly, desktop reviews of relevant documents including the project final evaluation, suitability and exit plan as well as a variety of reports were undertaken. The study team collected quantitative and qualitative information from 330 VESAs, 1,066 households, 188 saleswomen, 21 agro-dealers, 31 FEMAs/cooperatives. Furthermore, it consulted with representatives from multi-stakeholder platforms groups, Woreda FSTF, MFIs/RuSACCOs and participating wholesalers linked to the project.
Key findings:
VESAs:
56% of the VESAs established and supported by the project are still active as members were able to benefit from their membership, improve their saving and loan management, improve loan repayment mechanisms, were able to share out on time and at critical times, have structured and transparent management committee. These groups develop their members’ social capital, have a strong sense of trust, have benefited from their family’s support. The active VESA have reasonable membership size, common interest and have managed receive continued support.
42% of the VESAs established are inactive as members lost confidence and the interest right after the project ended. Members did not clearly understand the value of the VESAs, some faced internal conflicts, others such as the groups in Sidama and Gurage Zones were affected by drought and security issues. Overall, the inactive VESAs have received less support especially those established in the later part of the project. On a positive side, in Tigray few groups dissolved their VESAs as there was no needed since they now have started saving at banks and can access credit from MFIs.
2% of VESAs have transformed into RuSACCOs. Those who managed to this transformation was encouraged by some of their members who already were also member to a RuSACCO. The VESAs were not encouraged due to RuSACCO’s principle that supported individual membership to join already established RuSACCOs; and groups would rather retain their VESA as they feel they have full control and do not want to lose their social capital.
Active VESAs were formed on a voluntary base and were given adequate briefing about the purpose of the group. In contrast, the inactive VESAs members were mainly selected and groups were formed by project staffs.
Active VESAs remained together and have not sought to split into smaller groups as they value the social capital created within the group and prefer to work as a one team. Dissimilarly, 53% of the currently inactive groups did separate to form smaller groups, mainly due to internal conflicts, dissatisfaction regarding members selection methods and lack of management skills amongst the leadership.
Across all study areas, all VESAs were found have bylaws and in the case of Tigray and Amhara regions, some groups internally agreed and have amended their bylaws articles related to saving amounts, loan repayment mechanisms and interest rates reflecting their needs.
Active VESAs have successfully built social cohesion, capital, are a safe and fertile environment for training, social and cultural norms discussion platforms that may impede development drives and contribute to food security (e.g. gender inequality, infant feeding practices, etc.).
On average 61% of the active VESAs have been able to increase their savings size while only 13% reporting a decrease. Those who reported a decrease was directly associated to their inability to save as family expenses have escalated and they were unable to generate more income in order to save.
In all the study areas, the groups have paid share out every year in May and June. Their average value of liquid savings during the last share-out was 28,282 Birr with an average group share out of 1,444 Birr ($51) and an internal loan size of 26,649 Birr.
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Closing The Financial Inclusion Gap in Rwanda (CFIGR) Project

From September 2019 to April 2022, MINECOFIN technically and financially collaborated with CARE to design and implement a project called the Closing Financial Inclusion in Rwanda (CFIGR) that aimed at closing the financial inclusion gap and promoting the long-term saving scheme (LTSS) among VSLA members. The main objectives of the projects were.
I. Improving the financial literacy levels and saving culture of 700,000 financially excluded (75% women) in 30 districts of Rwanda.
II. Increasing access to and use of appropriate and affordable customer centric products/ services for 560,000 financially excluded Rwandans.
III. Piloting effective transition to cashless payments, through the digitalization of at least 2080 of the supported saving groups’ operations/transactions and development and provision of technology based formal financial services. IV. Increasing LTSS subscriptions and sustained payments through VSLAs as platforms. V. Expanding the existing CARE’s Agents Network to cover all 14,837 villages as a community development advisory, catalyst, and support structure. Key Achievements Thanks to CFIGR project, CARE’s financial inclusion work now covers 30 Districts through 15,053 Village Agents supporting 39,776 village savings & loan groups (VSLGs) with over 1,087,154 members, 74% being women that have so far mobilized around RWF 25,352,861,314 ($ 25M USD) of total savings and use RWF 22,124,081,062 ($ 22M USD) of cumulative loans1 invested in groups ‘members income generating activities. The CARE-MINECOFIN partnership project has been able to contribute to closing the financial inclusion gap by organizing 440,036 financially excluded citizens (71% women) into 17,088 VSLAs. These VSLA members form part of the 745,459 people mapped at the beginning of the project as financial excluded representing 59% and are now financially included. In addition, 369,726 VSLAs members have access to formal financial services which include SACCOs, MFIs and Banks where they can save and borrow for personal needs.
To increase LTSS subscriptions and sustained payments through VSLAs, CARE integrated LTSS into financial literacy manual as an effective manner for VAs to deliver messages to VSLAs members and make informed choices; subscribe and persistently save through the long-term pension scheme. CARE trained and equipped master trainers with digital materials. Under the additional financial support of the UNCDF, 416 master trainers in each village were equipped with digital materials including tablets and animated videos to help mobilize, register, and follow up on LTSS payments by VSLA members. To date, 225,293 VSLA members (70% women and 21% youth) both from old and new VSLAs have registered in EjoHeza scheme. 197,151 members (68% women) are active savers and FRW 1,429,982,010 saved as annual contributions as of end April 2022. Read More...

PENNIES TO POWER FINAL REPORT

Globally, women have access to 10% of the available credit, 7% of the training on productive activities and are 40% less likely to have access to agricultural inputs than men. Women also have limited technological inputs and market access, and only 4.3% of women have access to agricultural extension services. Although women provide about 50% of the agricultural workforce, they still lack equal access to productive resources.

Due to looming threats including climate change, an estimated 20% increase in hunger is predicted by 2050. The COVID-19 pandemic and its economic aftermath likely will push 426 million more people into poverty in the next three to five years. Responding to these challenges requires creative solutions that prioritize the most vulnerable, including women and young people. To this end, CARE implemented the Pennies to Power program with generous support from the Arthur M. Blank Family Foundation. This final report describes the program’s accomplishments over the full implementation period (June 1, 2019 to June 1, 2022).

Pennies to Power played a critical role in building resilience and increasing the capacity of people to cope with crises. Moreover, it helped create thriving and sustainable communities, where farmers prosper, people are empowered, and the planet is healthier. CARE implemented the program in Malawi, Nigeria and Tanzania to build resilience, unlock market access for women and youth, and ensure they are economically and socially empowered through savings groups known as village savings and loan associations (VSLAs). Moreover, the program contributed to the achievement of the following U.N. Sustainable Development Goals (SDGs): No Poverty (SDG 1), Zero Hunger (SDG 2), Gender Equality (SDG 5), and Climate Action (SDG 13).
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VSLA By the Numbers: A Comprehensive Analysis of the Impact and ROI of VSLAs

Village Savings and Loans Associations (VSLAs) have been a foundational programmatic approach at CARE since 1991. Since then, CARE has helped over 13.7 million people join savings groups. The savings group model has been adopted and adapted by a variety of organizations globally. Through this report, we will examine the social and financial effects and returns of savings groups as well as how groups affected members’ resilience to COVID-19. The results gave an overview of the financial return on investment (ROI), group economic outcomes, savings groups costs, and individual and household effects for savings groups both inside and outside of CARE.

In order to calculate a return on investment, the financial benefit for a typical participant over three years was considered as well as the financial benefits for a replicated VSLA for two years related to the cost that the donor/implementer spends to set up and oversee the VSLA for its first cycle. Using internal CARE data such as budgets, evaluation, and impact reports, the average ROI of costs to establish a saving group was between 7:1 and 20:1. For every $1 invested by CARE, there is evidence for the savings of a typical VSLA participant to increase between $7 and $20. For the average VSLA participant, median income increased by $9.35 (+/- $0.55 USD) within the first year of joining the group for each $1 USD invested. Additionally, average income increased by $18.85 (+/-$1.15 USD) within five years of each $1 USD invested. Using industry data and internal CARE data, this analysis showed that for every $250 USD invested three net new children attended school.

The financial effect of a VSLA appears to outlast the formal lifecycle of the group. Evaluation of VSLAs as they phased out found that the return on savings (ROS) was 50% (+/-10%) during the supported formal lifecycle of the group and decreased to around 35% (+/-19%) after the VSLA is phased out. However, the positive outcomes and impact of participating in VSLAs continue even after project phase out. Members continue saving and getting benefits. Share value even increase for 57% (+/-13%) of groups in the available data.
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RESET II Project Promoting Resilient Livelihoods in Borana Final Report

Purpose: The purpose of this end line evaluation is to assess the achievements, constraints and lessons learnt and to produce sufficient evidence to show how the project performed against its overall objective. Overview of the project: Funded by the European Union (EU) through its European Union Trust Fund (EUTF) with a total budget of Є6,586,291, the Promoting Resilient Livelihoods in Borana RESET II Project was implemented by a consortium of CARE Ethiopia, Oromo Self Help Organization (OSHO) and Action against Hunger (AAH). The project focused in the geographic area of Arero, Miyo, Dire, Moyale, Dillo and Dhas districts in the Borena Zone within the Oromia region. The overall aim of enhancing the resilience of 100,000 PSNP beneficiaries, reducing irregular migration through improved access and coverage to provision of WASH, health and nutrition services, diversifying and increasing livelihood opportunities and incomes, improving Disaster Risk Reduction (DRR) capacity, enhancing research and knowledge management systems as well as reducing barriers to women empowerment, the project begun implementation October 2016 and end in December 2020. CARE’s Pastoralist Resilience Casual Model (PRCM) using proven CARE’S Village Saving and Loan Associations (VSLA), Climate Vulnerability and Capacity Assessment (CVCA), Social Analysis and Action (SAA), Participatory Scenario Planning (PSP) and AAH’s as well as Assisting Behavior change (ABC) methods and approaches were utilized throughout the project. Read More...

Enquête Trimestrielle pour le Rapportage du Plan de Mesure de Performance Projets “OLAM VSLA” & “TOUTON VSLA”

Dans le cadre de cette enquête trimestrielle, la méthode d’échantillonnage utilisée est le sondage aléatoire systématique stratifié au premier degré. La taille de l'échantillon de l'enquête trimestrielle des projets OLAM VSLA et TOUTON VSLA a été calculée et s’établit à 339 membres de VSLA. [7 pages] Read More...

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