VSLA

The "Savings and Credit Group for Food Security and Ecosystem Sustainability (SGFSES) in Tanzania" was a CARE-WWF Alliance’s project implemented in Southern Agricultural Growth Corridor of Tanzania (SAGCOT), focusing on the Great Ruaha River region. The initiative aimed to address climate vulnerabilities, improve livelihoods, and enhance ecosystem services. Among other interventions, the project promoted sustainable production of Irish potatoes and common beans, crucial for community livelihoods, but vulnerable to climate shocks. Challenges such as water and land shortages, deforestation, and weak governance had affected productivity and adaptation options.

Implemented from June 2021 to December 2023 in Iringa and Mufindi Districts, the project targeted 21 villages. Its primary goal was to enhance the household income of 5,000 farming families, particularly empowering women, directly impacting 22,500 individuals and indirectly benefiting at least 50,000 individuals within the Great Ruaha watershed.

The project employed traditional approaches like Village Savings and Loan Associations (VSLA), Farmer Field and Business Schools (FFBS), and Community-Based Natural Resource Management (CBNRM), along with Integrated Land and Water Resource Management (ILWM) integrating income-generating and market-engagement strategies with natural resource management and sustainable agriculture practices so that both communities and ecosystems thrive.

The endline evaluation utilizing OECD criteria to assess the relevance, coherence, effectiveness, efficiency, impact, and sustainability of the project. It measured the achievements of this integrated conservation and development compared to the baseline three years earlier.
The endline evaluation found that the project surpassed its targets, reaching 7,029 households (51% female-headed) with a total of 10,961 direct beneficiaries (55% women, 34% youth) across all 21 project villages. In another words, the project impacted directly 33,739 individuals from 7,029 households. This represents 141% of the target set by the project at its beginning. Findings from FGDs and KIIs, showed that the project improved well-being of these communities by enhancing equal opportunities for men, women, and youth. The project enhanced meeting of basic needs such as food, housing, clothing, health services, and education expenses.

They participants increased productivity of staple crops like maize, common beans, sunflower, and Irish potatoes which notably contributed to reliable food sources and increased income for the communities. These crops served for both food and income. The endline survey found that the average productivity of the common bean increased from 331.3 kg acre-1 to 633 kg acre-1 which is an increase of 91% compared to the baseline. This achievement surpasses the LOP target of 30% increment by 61%. Furthermore, the average productivity of Irish potato increased from 1,435.5 kg acre-1 to 7,500 kg acre-1, which is 423% of the baseline or 393% of the LOP target of 30% increase.

The average number of months that surveyed households were able to provide sufficient food to their families was 7.4 at endline, up from 4.0 months at baseline. This is an increase of 85% from the baseline. The achievement surpasses the Life of Project goal of a 20% increase by 65%. On average, 83% of households experience adequate food provisioning during the crop-harvesting period (May to November), 42% experience hunger during the planting and crop growing season (December to April). 83% of the surveyed households report consuming three meals a day for most of the year, 86% of respondents were not worried about facing food shortages throughout the year. For those households that do not have adequate food provisions throughout the year, they tend to reduce their meals to two a day between December and April. Communities regard having two meals a day during the lean period as an improvement, as food was sometimes insufficient for one meal among some families in the past.

The endline evaluation drawn lessons learned that emerged from the data are:
- The implementation of VSLAs have helped the village land use committee, village environmental committee members and village council leaders to get into engagement with conservation activities.
- The Alliance-promoted VSLA-based AMCOS model has several benefits: in addition to attracting farmers with its core collective marketing promise, the requirement that all AMCOS members should also be VSLA members both accelerated VSLA group formation and enhances trust in leaders, a critical component of successful AMCOS.
- The planting to avocado trees, being one of potential trees for income generation and conservation of natural resources comes with a number of challenges. The first is it high water usage especially at the early stages of growth. The fruit tree have attracted large investors, who have been seen to open up large farms in forested lands. This has the risk of causing deforestation and drought in the near future, as the virgin land is turned into production land.
- The Alliance-piloted CSI model holds significant promise: Collective Investment trainings have not only supported VSLA groups in investing together but also have supported the individual members in starting their enterprises.
- VSLA members are confident to speak out on the enterprises which are destructive to environment in front of other members compared to period before the CSI training.
- VSLA members can see the benefits of individual and group investments that are made.
- Women have been in front line in undertaking collective investments activities at a group and individual level, which has resulted into family stability and reduced GBV issues as they also have something to contribute to their families. Read More...