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Banking on Change Final Evaluation
Banking on Change, a partnership between Barclays Bank, CARE UK and Plan UK was established in 2009 to deliver a savings-led microfinance programme with the aim of improving the financial inclusion of people in 11 countries across Africa, Asia and South America. Using a savings led microfinance methodology, BoC Change mobilised individuals into savings groups so they could save regularly, and in turn borrow small amounts at a fair rate of interest. [89 pages] Read More...
POWER Africa Midline – Effects of Linkage (Rwanda Cote d’Ivoire) Report Oct 2017
This report contains an midline 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 Read More...
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...
Bangladesh COVID-19 Rapid Gender Analysis–Cox’s Bazar
As of 4 May 2020, 10,143 cases of COVID-19 have been confirmed in Bangladesh. To date, only 21 cases have been identified in Cox’s Bazar district, which is home to over 850,000 Rohingya refugees and extremely vulnerable host communities. Although no positive COVID-19 cases have been reported in the camps, this is likely to change soon. The conditions in the camps, including overcrowding, limited sanitation facilities and overburdened health system, have made the COVID-19 situation uniquely complex.
A COVID-19 outbreak in the refugee camps and neighboring communities will disproportionately affect women and girls and other vulnerable populations. Gender norms in both refugee and host communities limit women’s and girls’ ability to protect themselves from the virus and have a significant impact on prevention and response efforts. Refugees are reporting “rapidly deteriorating security dynamics within the camps between Rohingya and host communities” stemming from fears around COVID-19.
Women are already being blamed for COVID-19, resulting in a rollback of women’s rights, including mobility, access to services and information. Men, women, and community leaders in are blaming women’s “dishonorable” behavior as the cause of COVID, causing a backlash against women’s rights. Women are experiencing more behavior policing, mobility restrictions, and Gender Based Violence. Read More...
A COVID-19 outbreak in the refugee camps and neighboring communities will disproportionately affect women and girls and other vulnerable populations. Gender norms in both refugee and host communities limit women’s and girls’ ability to protect themselves from the virus and have a significant impact on prevention and response efforts. Refugees are reporting “rapidly deteriorating security dynamics within the camps between Rohingya and host communities” stemming from fears around COVID-19.
Women are already being blamed for COVID-19, resulting in a rollback of women’s rights, including mobility, access to services and information. Men, women, and community leaders in are blaming women’s “dishonorable” behavior as the cause of COVID, causing a backlash against women’s rights. Women are experiencing more behavior policing, mobility restrictions, and Gender Based Violence. 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...
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...
AN INTERSECTIONAL ANALYSIS OF GENDER AMONGST ROHINGYA REFUGEES AND HOST COMMUNITIES IN COX’S BAZAR
The Rohingya ethnic minority population in Myanmar have been persecuted over generations and are denied of their fundamental human rights. Violence, discrimination and persecution in Myanmar have eventually led the stateless Rohingya people to flee
to Bangladesh from Rakhine State in successive waves over the last four decades. Since August 2017, an estimated 745,000 Rohingya refugees arrived in Cox’s Bazar, Bangladesh, reaching the total number of 914,998 people and constituting the largest refugee camp
in the world. The rapid and sizable influx of Rohingya refugees now outnumbers locals nearly three to one in the two sub-districts, Ukhiya and Teknaf, where refugees and the subsequent humanitarian response have had an impact on the host community.
This inter-agency research is commissioned by ActionAid in collaboration with UNHCR and CARE Bangladesh to investigate how age, gender and diversity issues are addressed in the humanitarian response amongst Rohingya refugees and the host communities. The
quantitative and qualitative data were collected from 03 December 2019 to 07 January 2020. This transdisciplinary research aims to fill a significant gap by providing a critical analysis of the present status of gender relations addressed in humanitarian response, taking into consideration the intersectionality among specific needs based on age, gender and other diversity factors contributing to a person or group’s vulnerability.
This study was conducted prior to the COVID-19 pandemic. Due to the change in context, it has now become even more imperative to adapt existing mechanisms within the ongoing response, especially the need for increased Age, Gender and Diversity (AGD) analysis and monitoring of vulnerabilities. While COVID-19 was not a factor in this report, the recommendations of this report need to be addressed and implemented with the changing context in mind. Read More...
to Bangladesh from Rakhine State in successive waves over the last four decades. Since August 2017, an estimated 745,000 Rohingya refugees arrived in Cox’s Bazar, Bangladesh, reaching the total number of 914,998 people and constituting the largest refugee camp
in the world. The rapid and sizable influx of Rohingya refugees now outnumbers locals nearly three to one in the two sub-districts, Ukhiya and Teknaf, where refugees and the subsequent humanitarian response have had an impact on the host community.
This inter-agency research is commissioned by ActionAid in collaboration with UNHCR and CARE Bangladesh to investigate how age, gender and diversity issues are addressed in the humanitarian response amongst Rohingya refugees and the host communities. The
quantitative and qualitative data were collected from 03 December 2019 to 07 January 2020. This transdisciplinary research aims to fill a significant gap by providing a critical analysis of the present status of gender relations addressed in humanitarian response, taking into consideration the intersectionality among specific needs based on age, gender and other diversity factors contributing to a person or group’s vulnerability.
This study was conducted prior to the COVID-19 pandemic. Due to the change in context, it has now become even more imperative to adapt existing mechanisms within the ongoing response, especially the need for increased Age, Gender and Diversity (AGD) analysis and monitoring of vulnerabilities. While COVID-19 was not a factor in this report, the recommendations of this report need to be addressed and implemented with the changing context in mind. 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...