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POWER Africa Endline Linkage Effects Analysis Report May 2018
This report contains an endline analysis of CARE’s POWER/PROFIR (Promoting Opportunities for Women’s Economic Empowerment) project on the financial health of village savings and loans groups in Cote d’Ivoire and Rwanda. The project is a collaboration between CARE Canada, Access Africa, and MasterCard Foundation. POWER Africa /PROFIR is based on the VSLA approach as a means to provide access to valuable financial services and build a pathway towards formal financial inclusion for poor households in rural areas. The key measures of the effects of linkage that are assess in this study are (1) Standardized return on savings (ROS), (2) Standardized return on assets (ROA), (3) Savings per member, (4) bank balances, (5) bank account usage, and (6) Adoption of individual bank accounts. These indicators measure the outcomes of the project along key dimensions of POWER Africa/PROFIR’s objectives of building financial capacity for all clients and decreasing gender gaps in access to and control of financial skills, assets, and services. We also look at how group characteristics, like the proportion of women members, attendance, access to credit, and proximity to financial service providers interact with linkage status to affect groups’ outcomes. Read More...
POST-PROJECT LEAD IMPACT ASSESSMENT “INTEGRATING SOCIAL ACCOUNTABILITY INTO DEVELOPMENT EDUCATION
The project "Integrating Social Accountability in Education for Development" (LEAD) is a social accountability project understood as the continuous process of improving collaborative relationships, compliance with commitments made, and accountability between institutional actors and citizens in order to contribute to participatory governance in the education system. The LEAD project ran from October 1, 2014 to September 30, 2018. It was funded by the World Bank's Global Partnership for Social Accountability (GPSA). It aimed to improve the performance of the education system not only within schools but also at the provincial (DPMEN1) and regional (AREF2) levels. During this period, the project was piloted in 50 schools between the region of Marrakech- Safi (Province of Al Haouz) and Casablanca- Settat (Prefecture of Sidi Bernoussi). Read More...
Financial Literacy and Linkage Banking Project (FLIP) Northern Uganda Agricultural Livelihoods Recovery Programme
This is the final report of Financial Literacy and Linkage Banking Project (FLIP) implemented by CARE International in Uganda from 15th August 2012 to 12th November 2013 with funding from European Union through the Northern Uganda Agriculture Recovery Programme (ALREP). The project purpose was to achieve result area 4 of ALREP i.e. “Availability of agricultural finance to producers, traders and processors increased”. The project had three main result areas: 1) Increase financial literacy of small and medium scale actors (individuals and groups) in the agricultural sector in Northern Uganda increased; 2) Small and medium scale actors (individuals and groups) that save with and acquire loans from formal financial institutions for agricultural and agribusiness purposes increased; and 3) Formal financial institutions’ procedures and products are more geared towards the needs of small and medium scale actors in the agricultural sector. [43 pages] Read More...
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...
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...
A-Card Preliminary Assessment Report
For smallholder farmers (SHFs) with limited savings and assets, agricultural spending is largely facilitated through two credit models, the micro-finance and bank models. The banking system while enabling access to credit at low interest rates of 9-10% average, has failed to reach 80% of SHFs; as SHFs lack collateral and have limited understanding of various procedural complexities. Micro-credit Programs (MCPs) due to high interest rates of between 25-31%, smaller loan sizes and inflexible and short repayment periods have also failed to address needs of SHFs. Furthermore, since both formal (bank) and informal (MCP) credit is extensively cash-based, there is a tendency for its use in nonfarming activities, negatively impacting agricultural productivity and profitability.
To address these challenges, A-Card was designed to digitalize and re-engineer Micro-Finance to enable formal financial Inclusion of smallholder farmers (SHFs). A-Card model was designed by Mr. Bidyuth Mahalder, Chief of Party of the AESA Project and USAID reserves its IP rights. It was piloted in three USAID’s Feed the Future districts of Bangladesh by three implementing partners-Dhaka Ahsania Mission, Care and mPower. A-Card is a debit card specially designed for SHFs, which facilitates financial access to credit for digital purchase of farm inputs at low interest rate (10%), no collateral requirement and flexible payback period (6 month tenure).
This evaluation was conducted in October-November 2017 on A-Card holders who took and repaid their loans before May 2017 in order to assess the product’s impact on productivity and profitability. The evaluation also involved one to one interviews with 200 SHFs, key informant interviews with 5 input retailers and 2 MFI agents who were all part of A-Card to assess the overall impact beyond productivity and profitability and recommendations for A-Card. Read More...
To address these challenges, A-Card was designed to digitalize and re-engineer Micro-Finance to enable formal financial Inclusion of smallholder farmers (SHFs). A-Card model was designed by Mr. Bidyuth Mahalder, Chief of Party of the AESA Project and USAID reserves its IP rights. It was piloted in three USAID’s Feed the Future districts of Bangladesh by three implementing partners-Dhaka Ahsania Mission, Care and mPower. A-Card is a debit card specially designed for SHFs, which facilitates financial access to credit for digital purchase of farm inputs at low interest rate (10%), no collateral requirement and flexible payback period (6 month tenure).
This evaluation was conducted in October-November 2017 on A-Card holders who took and repaid their loans before May 2017 in order to assess the product’s impact on productivity and profitability. The evaluation also involved one to one interviews with 200 SHFs, key informant interviews with 5 input retailers and 2 MFI agents who were all part of A-Card to assess the overall impact beyond productivity and profitability and recommendations for A-Card. Read More...
Banking on Change extension endline
This 48 page document presents the results of the Banking on Change Zambia endline evaluation Read More...
Secure Farming for Rural Smallholder Farmers An Initiative on Non-traditional Financing Services
Krishi Utsho is a successfully proven supply chain model which has improved the food security situation of vulnerable farmers and their families. As part of the KU initiative, the idea of MEDA (Non-traditional financing initiative) project is to mitigate the financial predicaments of vulnerable farmers, through introducing financial institutions to provide benefits to the farmers and bring banks and financial services closer to them. The plan is to create a linkage with bank and insurance company to secure financial offers
by becoming a guarantor where farmers’ loan will be secured by the insurance services. The project is being piloted in Bogura and Jashore. As the starting point, a baseline study has been commissioned to assess the current situation and circumstances of the target beneficiaries. This report is a reflection of the findings of the baseline survey.
To capture the information to fulfill the objectives of the study, mixed methodology was used – wherein 100 KU beneficiaries (randomly selected) participated in the quantitative survey, while six FGDs (target beneficiaries), two IDIs (KU franchisee shop owners) and two KIIs (representatives from insurance company and commercial bank) were conducted to supplement the qualitative information to support the quantitative data.
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by becoming a guarantor where farmers’ loan will be secured by the insurance services. The project is being piloted in Bogura and Jashore. As the starting point, a baseline study has been commissioned to assess the current situation and circumstances of the target beneficiaries. This report is a reflection of the findings of the baseline survey.
To capture the information to fulfill the objectives of the study, mixed methodology was used – wherein 100 KU beneficiaries (randomly selected) participated in the quantitative survey, while six FGDs (target beneficiaries), two IDIs (KU franchisee shop owners) and two KIIs (representatives from insurance company and commercial bank) were conducted to supplement the qualitative information to support the quantitative data.
Read More...
Early Grade Literacy in Egypt Project Evaluation
39-page evaluation of CARE International and (HSBC) Bank's “Early Grade Literacy in Egypt (EAGLE)” multifaceted project in order to improve the reading and writing instructions for grades 4-6, increase community engagement with schools, and formulate and promote policies and regulations that support improved reading and writing skills for primary school students. Read More...
CARE Guatemala Food Security Rapid Assessment 2022
EVALUACIÓN RÁPIDA DE INSEGURIDAD ALIMENTARIA SAN BARTOLOMÉ JOCOTENANGO, QUICHÉ
Rural families in Guatemala face one of the most severe food shortage seasons, mainly due to the high cost of meeting their basic needs, the effects of international conflicts and COVID-19 prevention measures, low hiring of temporary labor, the slow recovery of the impact of storms Eta and Iota, and the rainy season 2022 that has started with rains above normal, causing water saturation in the soil, which affects subsistence agriculture. This is worst for families who live in the dry corridor.
In this context, the Municipal Coordinator for the Disaster Reduction –COMRED- and the Municipal Directorate of Comprehensive Disaster Risk Management -IMGIRD of the municipality of San Bartolomé Jocotenango, department of Quiché, with the technical support of CARE Guatemala and TECHO, surveyed 163 households in 33 rural communities to know the availability and access to food, the economic situation, gender roles and strategies of survival that families are implementing. This report shares the results of the analysis of the data collected in July 2022
• 42% of households do not have any remaining grain from the previous harvest, and a further 33% only have remaining grain reserves for further 3 months or less.
• Women earn 56% less than men. On average, men earn $143 per month, and women earn $62.
• 21% have gone into debt to be able to buy food
• 38% are reducing the size of their meals; 22% of people are eating less (or have stopped eating) to make sure their children can eat
• 31% are now skipping at least one meal per day
• 3.7% have spent entire days without eating
• 2% have sold their land to buy food
• In 45% if the households, at least one member has migrated outside the community to find jobs elsewhere.
• Women and young girls are doing 94% of the work preparing food, cleaning, and taking care of family members. Read More...
Rural families in Guatemala face one of the most severe food shortage seasons, mainly due to the high cost of meeting their basic needs, the effects of international conflicts and COVID-19 prevention measures, low hiring of temporary labor, the slow recovery of the impact of storms Eta and Iota, and the rainy season 2022 that has started with rains above normal, causing water saturation in the soil, which affects subsistence agriculture. This is worst for families who live in the dry corridor.
In this context, the Municipal Coordinator for the Disaster Reduction –COMRED- and the Municipal Directorate of Comprehensive Disaster Risk Management -IMGIRD of the municipality of San Bartolomé Jocotenango, department of Quiché, with the technical support of CARE Guatemala and TECHO, surveyed 163 households in 33 rural communities to know the availability and access to food, the economic situation, gender roles and strategies of survival that families are implementing. This report shares the results of the analysis of the data collected in July 2022
• 42% of households do not have any remaining grain from the previous harvest, and a further 33% only have remaining grain reserves for further 3 months or less.
• Women earn 56% less than men. On average, men earn $143 per month, and women earn $62.
• 21% have gone into debt to be able to buy food
• 38% are reducing the size of their meals; 22% of people are eating less (or have stopped eating) to make sure their children can eat
• 31% are now skipping at least one meal per day
• 3.7% have spent entire days without eating
• 2% have sold their land to buy food
• In 45% if the households, at least one member has migrated outside the community to find jobs elsewhere.
• Women and young girls are doing 94% of the work preparing food, cleaning, and taking care of family members. Read More...