Search Results: 소액결제깡⒠dan-gol˛Ｃом 소액결제팝니다 소액결제수수료 소액결제루트□소액결제깡
Unlocking the Potential of Women-led Micro & Small Enterprises: Lessons from the IGNITE project in Pakistan, Peru, and Vietnam
Micro and small enterprises (MSEs) are the economic backbone of most economies worldwide, increasing employment and reinvesting in local communities. In emerging markets, there are 365-445 million micro, small, and medium enterprises. However, 80% of women-owned small businesses with credit needs are either unserved or underserved, representing a $1.7 trillion USD financing gap.
CARE’s Ignite program, launched in partnership with the Mastercard Center for Inclusive Growth, focused on supporting micro and small enterprises, especially those led by women, in Pakistan, Peru, and Vietnam
between 2020 and 2023.
Ignite took a market-based approach to service delivery that was sustainable and scalable by working with over 35 local partners across the three countries, 11 of which were core service delivery partners. These partnerships opened up much-needed access to financial and digital resources, while building entrepreneurs’ business capacity and networks.
Ignite set out to reach 3.9 million entrepreneurs in three years with $5.26 million USD in grant funding from Mastercard. The program exceeded initial goals, reaching more than nine million entrepreneurs, and unlocking access to $154.9 million USD in loans. More than 150,000 entrepreneurs were deeply supported with loans, critical support services, and training.
The commercial value in supporting women-led MSEs is irrefutable. Global data continues to show this and,
together with Ignite financial service provider partners, CARE has proved it. Despite this, gender bias continues to permeate throughout financial institutions the world over. CARE is calling on all financial service providers to read the proof in this report that women are better financial clients, to support the drive for 100% financial inclusion for women, and to invest in reaching this goal. Read More...
CARE’s Ignite program, launched in partnership with the Mastercard Center for Inclusive Growth, focused on supporting micro and small enterprises, especially those led by women, in Pakistan, Peru, and Vietnam
between 2020 and 2023.
Ignite took a market-based approach to service delivery that was sustainable and scalable by working with over 35 local partners across the three countries, 11 of which were core service delivery partners. These partnerships opened up much-needed access to financial and digital resources, while building entrepreneurs’ business capacity and networks.
Ignite set out to reach 3.9 million entrepreneurs in three years with $5.26 million USD in grant funding from Mastercard. The program exceeded initial goals, reaching more than nine million entrepreneurs, and unlocking access to $154.9 million USD in loans. More than 150,000 entrepreneurs were deeply supported with loans, critical support services, and training.
The commercial value in supporting women-led MSEs is irrefutable. Global data continues to show this and,
together with Ignite financial service provider partners, CARE has proved it. Despite this, gender bias continues to permeate throughout financial institutions the world over. CARE is calling on all financial service providers to read the proof in this report that women are better financial clients, to support the drive for 100% financial inclusion for women, and to invest in reaching this goal. Read More...
Youth Empowerment Project Baseline Survey Report
In June 2014, Care International embarked on a baseline study for the Sida- funded Youth Empowerment Programme (YEP) in Zimbabwe. The study was done by a team comprising CARE International in Zimbabwe, its partners and an external consultant in nine of the eleven districts covered by YEP. The purpose of the study was to establish comprehensive baseline information that will be used to measure programme outcomes and impacts. The study would also serve as a benchmark for future measurement of the performance of the programme in contributing towards its overall goal of ‘increased economic and social participation of male and female youths in Zimbabwe.’ [90 pages] Read More...
Savings and Credit Groups for Food Security and Ecosystem Sustainability in Tanzania: Endline Evaluation
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...
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...
‘We Pledge to Improve the Health of Our Entire Community’
Motivation is critical to health worker performance and work quality. In Bihar, India, frontline health workers provide essential health services for the state’s poorest citizens. Yet, there is a shortfall of motivated and skilled providers and a lack of coordination between two cadres of frontline health workers and their supervisors. CARE India developed an approach aimed at improving health workers’ performance by shifting work culture and strengthening teamwork and motivation. The intervention—“Team-Based Goals and Incentives”—supported health workers to work as teams towards collective goals and rewarded success with public recognition and non-financial incentives. [19 pages] Read More...
Supporting Partnerships and Resilience of Communities (SPARC) in Northern Rakhine State End-of-Project Evaluation
The Supporting Partnerships and Resilience of Communities (SPARC) project, with funding from the Australian Government Department of Foreign Affairs and Trade (DFAT), was implemented in Maungdaw District, northern Rakhine State between December 2011- December 2019.
SPARC’s goal is to contribute to the sustainable reduction of poverty in communities through improving the social and economic position of poor, vulnerable households, and to strengthen household and community capacity to sustain such improvements. To achieve this goal, CARE implements integrated livelihood activities that improve food security and economic opportunities, including community forestry, crop productivity intensification, facilitating access to education and introducing financial services through Village Savings and Loans Associations (VSLA).
An end-of-project evaluation was recently commissioned ‘to determine if SPARC achieved its end of project outcomes of sustainable reduction of poverty in poor, vulnerable communities and strengthened household and community capacity to sustain such improvements’.
The evaluation used a mixed method approach combining a literature review and quantitative data sets drawn primarily from the project monitoring system, together with qualitative data, collected using participatory approaches such as focus group discussions (FGD), key informant interviews (KII), and Stories of Change Interviews (SoCs). Read More...
SPARC’s goal is to contribute to the sustainable reduction of poverty in communities through improving the social and economic position of poor, vulnerable households, and to strengthen household and community capacity to sustain such improvements. To achieve this goal, CARE implements integrated livelihood activities that improve food security and economic opportunities, including community forestry, crop productivity intensification, facilitating access to education and introducing financial services through Village Savings and Loans Associations (VSLA).
An end-of-project evaluation was recently commissioned ‘to determine if SPARC achieved its end of project outcomes of sustainable reduction of poverty in poor, vulnerable communities and strengthened household and community capacity to sustain such improvements’.
The evaluation used a mixed method approach combining a literature review and quantitative data sets drawn primarily from the project monitoring system, together with qualitative data, collected using participatory approaches such as focus group discussions (FGD), key informant interviews (KII), and Stories of Change Interviews (SoCs). Read More...
PCTFI Malawi: FY15 to FY17 Performance Monitoring and Evaluation Plan
The redesigned PCTFI Malawi project takes a holistic approach to adolescent girls’ empowerment with interventions in education and SRH underpinned by cross-cutting activities in gender, participatory governance and capacity building and buoyed by a proactive learning agenda to influence policy at all levels through advocacy. Its goal is to empower adolescent girls in rural Kasungu to claim and exercise their rights to good quality education and sexual and reproductive information and services.
The project strategy leverages six years of PCTFI implementation in Malawi, best practices, lessons learned and proven approaches and tools for the CARE world; and opportunities for collaboration at all levels to map out the pathways to achieving the impact goal. The proposed interventions are organized under 3 thematic areas related to the adolescent girl’s agency and relations and to the structures that influence her empowerment. Read More...
The project strategy leverages six years of PCTFI implementation in Malawi, best practices, lessons learned and proven approaches and tools for the CARE world; and opportunities for collaboration at all levels to map out the pathways to achieving the impact goal. The proposed interventions are organized under 3 thematic areas related to the adolescent girl’s agency and relations and to the structures that influence her empowerment. Read More...
Sabal Midterm Evaluation Report
The goal of the Sabal project is to increase the resilience and food security of targeted vulnerable populations in Nepal. The project, funded by USAID's Food For Peace from 2014-19, commenced in 2014 and is scheduled to end 2019. CARE is one of 7 technical partners and 17 local NGO implementing partners. Save the Children is the overall program leader and primarily responsible for implementation.
The project has three primary “purposes”: 1) livelihoods, 2) health and nutrition, and 3) disaster risk reduction/climate change adaptation (DRR/CCA), as well as a cross-cutting component for gender and social inclusion. Under each design element are sub-purposes and accompanying activities that are meant to achieve sub-purpose goals but also to contribute to cross-purpose outcomes, as part of the desired integration strategy. (123 page evaluation) Read More...
The project has three primary “purposes”: 1) livelihoods, 2) health and nutrition, and 3) disaster risk reduction/climate change adaptation (DRR/CCA), as well as a cross-cutting component for gender and social inclusion. Under each design element are sub-purposes and accompanying activities that are meant to achieve sub-purpose goals but also to contribute to cross-purpose outcomes, as part of the desired integration strategy. (123 page evaluation) Read More...