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Improving lives of Rohingya refugees and host community members in Bangladesh through sexual and reproductive healthcare integrated with gender-based violence prevention, response violence prevention and response
The intended impact of the project is improved living conditions for women and girls in Rohingya refugee camps and host communities in Cox’s Bazar.
Outcome Statement: Improved sexual and reproductive health, GBV survivor support and protection from GBV of Rohingya refugees and host community members in Cox´s Bazar Bangladesh.
Purpose of the Study: This endline study has established endline values for the following project outcome indicators. This assessment has provided a comparison of baseline value and endline value of the indicators. A set of recommendations has been provided through the assessment report on project interventions. Read More...
Outcome Statement: Improved sexual and reproductive health, GBV survivor support and protection from GBV of Rohingya refugees and host community members in Cox´s Bazar Bangladesh.
Purpose of the Study: This endline study has established endline values for the following project outcome indicators. This assessment has provided a comparison of baseline value and endline value of the indicators. A set of recommendations has been provided through the assessment report on project interventions. 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...
Host Community Situation Analysis Impact of Rohingya Influx on Host Communities in Ukhia and Teknaf
Bangladesh became host to what is now the biggest refugee camp in the whole world. By November 2017 836,487 FDMN (Forcefully Displaced Myanmar Nationals) fled across the Myanmar-Bangladesh border to settle here mostly in two Upazilas:Ukhia and Teknaf of Cox's Bazar district. By January 2018, it became clear that this would be a prolonged crisis lasting years as the Myanmar government continued dithering about taking them back, and as also the FDMN expressed their unwillingness to go back fearing persecution. As a result of this huge and sudden influx, lives and livelihoods of the host communities have been affected in many ways. Therefore, this Situational Assessment aims to assess both the visible economic and the subtle social impacts of the recent influx on the host communities. Using Oxford’s integration conceptual framework, this assessment has been conducted to chalk out CARE Bangladesh’s future response to the refugee crisis by involving the host communities in the process and addressing their concerns so that the tension between the two communities is defused rather than intensified.
Presence of the refugees has brought about many social and economic changes creating massive pressure on the host communities. Economic activities in the two upazilas have gone through transitions, leading to the emergence of a new market system and reducing employment opportunities for the host communities.
On one hand prices of essentials have shot up almost twice as much, and on the other, due to an unpredictably large number of refugees entering the local labor market wages for day laborers have gone down. Though refugees are living in highly congested camps, they are getting aid materials as well as economic opportunity in the local market. On the contrary, the host communities are finding themselves pitted against the refugees as either their work have been taken away or their earnings significantly reduced. It is true that a few locally influential people owning large tracts of land and businesses are benefitting from the availability of cheap labor, but the poor and the ultra-poor from the host communities are bearing the brunt of these changes. Access to administrative, educational and healthcare needs has diminished. Reduced access and availability of CPR-resultant scarcity of timber, bamboo for shelter, food & cooking fuel created insecurity of accessing resources. Due to security risk of woman and girls mobility has goes down, women income earning opportunity getting reduced; all of this has evidently created tension between the host and the refugee communities and within host community households. If left unaddressed, this tension is likely to rise to the extent of creating potential threats of ethnic conflicts.
In response to these findings of the situational analysis possible types of interventions could be Gender specific livelihoods strengthening initiatives based on diversification of off/on farm activities, Transformative approach to build life free from GBV, Promoting youth leadership and Strengthening service delivery and demand side functions through Inclusive governance.
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Presence of the refugees has brought about many social and economic changes creating massive pressure on the host communities. Economic activities in the two upazilas have gone through transitions, leading to the emergence of a new market system and reducing employment opportunities for the host communities.
On one hand prices of essentials have shot up almost twice as much, and on the other, due to an unpredictably large number of refugees entering the local labor market wages for day laborers have gone down. Though refugees are living in highly congested camps, they are getting aid materials as well as economic opportunity in the local market. On the contrary, the host communities are finding themselves pitted against the refugees as either their work have been taken away or their earnings significantly reduced. It is true that a few locally influential people owning large tracts of land and businesses are benefitting from the availability of cheap labor, but the poor and the ultra-poor from the host communities are bearing the brunt of these changes. Access to administrative, educational and healthcare needs has diminished. Reduced access and availability of CPR-resultant scarcity of timber, bamboo for shelter, food & cooking fuel created insecurity of accessing resources. Due to security risk of woman and girls mobility has goes down, women income earning opportunity getting reduced; all of this has evidently created tension between the host and the refugee communities and within host community households. If left unaddressed, this tension is likely to rise to the extent of creating potential threats of ethnic conflicts.
In response to these findings of the situational analysis possible types of interventions could be Gender specific livelihoods strengthening initiatives based on diversification of off/on farm activities, Transformative approach to build life free from GBV, Promoting youth leadership and Strengthening service delivery and demand side functions through Inclusive governance.
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...
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...
Banking on Change extension endline
This 48 page document presents the results of the Banking on Change Zambia endline evaluation 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...
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...