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LINK UP Final Project Evaluation
This report focuses on the potential of linkages between formal financial services and savings groups to create change for the savings groups, banks, and households. One of the projects that is involved in this work in LINK Up, a project supported by CARE, Access Africa and the Bill and Melinda Gates Foundation. LINK Up is a 3.5 year project working with savings groups in Tanzania and Kenya.
We use multiple datasets to explore trends over time that can answer the three guiding learning questions embedded in the LINK Up project.
(1) What is the impact of access to formal financial services on savings groups?
(2)What does the account performance look like for these groups and how does this affect the associated banks’ business models.
(3) What value do the people involved derive from gaining access to formal financial services?
Read More...
We use multiple datasets to explore trends over time that can answer the three guiding learning questions embedded in the LINK Up project.
(1) What is the impact of access to formal financial services on savings groups?
(2)What does the account performance look like for these groups and how does this affect the associated banks’ business models.
(3) What value do the people involved derive from gaining access to formal financial services?
Read More...
“FUTURE FOR YOU(TH): YOUNG PEOPLE AS LEADERS OF LIFE SKILLS EDUCATION IN THE BALKANS”
The final evaluation of the “Future for You(th): Young people as Leaders of Life Skills Education in the Balkans” was conducted between December 2023 and March 2024. This end-term evaluation has addressed the full period of the project implementation (March 2021 – February 2024). Its scope covered all four target countries (Bosnia and Herzegovina, Serbia, Kosovo and Albania) and main project beneficiaries (partner organizations, institutional representatives, teachers, youth, parents, movement leaders, etc.).
The evaluation process employed a mixed-methods approach with a non-experimental design. Its purpose was to assess the intervention's impact on advancing gender equality, examining shifts in cultural norms, behaviors and attitudes, and power dynamics, along with changes in participation, access to resources, and policy adjustments. It also aimed to summarize the main findings, conclusions and recommendations to inform the project's design and implementation phase.
The evaluation process was based on OECD-DAC evaluation criteria, but the priority was given to relevance, effectiveness, (immediate) impact and sustainability of the intervention. The rest of the criteria were not prioritized considering the given time frame, budget and purpose of the evaluation.
The project evaluation has embedded gender-responsive approaches and human rights frameworks from its inception. This approach was instrumental in establishing a holistic evaluation framework, with the aim of ensuring that these aspects were not treated as peripheral concerns but rather integral components of the project's core objectives and activities.
The data collection process comprised a desk review of relevant documents, semi-structured interviews with key informants, focus groups involving young individuals, and validation sessions to confirm clarity and authenticate key findings with project partners and other stakeholders. Data triangulation involved consolidating various methods and sources, thereby enhancing credibility through cross-referencing information from diverse origins.
Key limitations in the evaluation included a lack of representation from policymakers in some countries, restricted involvement of young individuals not engaged in BMCs and limited participation of young law offenders and professionals from youth at risk centers in the evaluation process. Related findings from the informants were cross-referenced with other information extracted from reviewed documents to mitigate potential bias.
Young men and women who participated in a greater number of project activities, including workshops or events related to campaigns, demonstrated more gender-equal attitudes towards gender roles and norms, violence, gender equality. All young people have increased their knowledge in sexual and reproductive health. Parents of BMC members have confirmed that the BMC program serves as a vehicle for continuous and holistic personal growth of their children, positively impacting diverse aspects of their lives.
School staff and professionals from juvenile correctional centers have gained qualitative content and the necessary competencies to effectively present crucial topics to youth in a non-formal manner that aligns with the needs of young people.
BMCs have progressed to comprehensive resource centers, providing safe spaces where young individuals can openly discuss their most sensitive concerns and receive professional referrals to address their diverse needs.
The project has managed to reach out to a remarkable number of people. The partners organized campaigns at the local level, resulting in the implementation of 35 school-based initiatives that reached 9,356 young individuals, and conducted 68 community-based campaigns, engaging with 20,218 citizens spanning across youth and adults alike, significantly increasing awareness on promoting peaceful masculinities, gender equality, and addressing hate speech and intolerance within the targeted demographics.
Despite challenges, such as navigating political instability, the project demonstrated resilience and effectiveness, significantly influencing community attitudes on social issues. It made a substantial impact on policy and practice regarding life skills education, underscoring its commitment to gender equality. Read More...
The evaluation process employed a mixed-methods approach with a non-experimental design. Its purpose was to assess the intervention's impact on advancing gender equality, examining shifts in cultural norms, behaviors and attitudes, and power dynamics, along with changes in participation, access to resources, and policy adjustments. It also aimed to summarize the main findings, conclusions and recommendations to inform the project's design and implementation phase.
The evaluation process was based on OECD-DAC evaluation criteria, but the priority was given to relevance, effectiveness, (immediate) impact and sustainability of the intervention. The rest of the criteria were not prioritized considering the given time frame, budget and purpose of the evaluation.
The project evaluation has embedded gender-responsive approaches and human rights frameworks from its inception. This approach was instrumental in establishing a holistic evaluation framework, with the aim of ensuring that these aspects were not treated as peripheral concerns but rather integral components of the project's core objectives and activities.
The data collection process comprised a desk review of relevant documents, semi-structured interviews with key informants, focus groups involving young individuals, and validation sessions to confirm clarity and authenticate key findings with project partners and other stakeholders. Data triangulation involved consolidating various methods and sources, thereby enhancing credibility through cross-referencing information from diverse origins.
Key limitations in the evaluation included a lack of representation from policymakers in some countries, restricted involvement of young individuals not engaged in BMCs and limited participation of young law offenders and professionals from youth at risk centers in the evaluation process. Related findings from the informants were cross-referenced with other information extracted from reviewed documents to mitigate potential bias.
Young men and women who participated in a greater number of project activities, including workshops or events related to campaigns, demonstrated more gender-equal attitudes towards gender roles and norms, violence, gender equality. All young people have increased their knowledge in sexual and reproductive health. Parents of BMC members have confirmed that the BMC program serves as a vehicle for continuous and holistic personal growth of their children, positively impacting diverse aspects of their lives.
School staff and professionals from juvenile correctional centers have gained qualitative content and the necessary competencies to effectively present crucial topics to youth in a non-formal manner that aligns with the needs of young people.
BMCs have progressed to comprehensive resource centers, providing safe spaces where young individuals can openly discuss their most sensitive concerns and receive professional referrals to address their diverse needs.
The project has managed to reach out to a remarkable number of people. The partners organized campaigns at the local level, resulting in the implementation of 35 school-based initiatives that reached 9,356 young individuals, and conducted 68 community-based campaigns, engaging with 20,218 citizens spanning across youth and adults alike, significantly increasing awareness on promoting peaceful masculinities, gender equality, and addressing hate speech and intolerance within the targeted demographics.
Despite challenges, such as navigating political instability, the project demonstrated resilience and effectiveness, significantly influencing community attitudes on social issues. It made a substantial impact on policy and practice regarding life skills education, underscoring its commitment to gender equality. Read More...
Digital Sub‐Wallets for Increased Financial Empowerment of Women
This report summarizes the findings from a pilot study of two interventions intended to promote gender equality, a mobile banking innovation and financial counseling for households, in western Uganda between September 2016 and March 2017. The study was designed and analyzed by DoubleXEconomy. The interventions were implemented by CARE Uganda in partnership with Post Bank, Uganda. The data were collected by IPA Uganda. Read More...
Digital Sub Wallets Pilot Study Findings on Gender Equality
This report summarizes the findings from a pilot study of two interventions intended to promote gender equality, a mobile banking innovation and financial counseling for households, in western Uganda between September 2016 and March 2017. The study was designed and analyzed by DoubleXEconomy. CARE Uganda implemented the interventions in partnership with Post Bank Uganda. The data were collected by IPA Uganda. [4 pages] Read More...
EVALUATION REPORT FOR THE YOUTH EMPOWERMENT PROJECT IN ZIMBABWE
This study is a final evaluation for the Youth Empowerment Project (YEP), a three year project implemented by CARE International in Zimbabwe (CARE), in partnership with various implementing partners in 11 districts of Masvingo, Manicaland, Matabeleland South and Harare provinces. The implementing partners in the project were Caritas Masvingo and the Diocese of Mutare Community Care Programme (DOMCCP). Empretec was identified as the technical partner, while VIRL Rural and Social Services and CBZ Bank Limited were the financial partners. Other partners included Simukai Outreach Chipinge Children's Hope in Chipinge, United Church of Christ in Zimbabwe (UCCZ) in Chipinge and Family AIDS Caring Trust (FACT) in Chiredzi, who are vocational training institutions roped in to conduct Internal Savings and Lending (ISALs) training. Government Ministries, which include the Ministry of Youths, Indigenisation and Economic Empowerment (MYIEE), the Ministry of Small and Medium Enterprises and Cooperative Development (Ministry of SMEs), and the Ministry of Women Affairs, Gender and Community Development were also involved in the project. The project was aimed at ensuring that there is increased economic and social participation of male and female youths in Zimbabwe. It focused on the development of youth skills, including technical, business management and interpersonal skills and also facilitated community dialogues to ensure that families and communities support youths to participate in economic activities. The project also focused on creating sustainable relationships between youths and formal financial institutions, through the participation of two financial institutions: VIRL Rural and Social Services and CBZ Bank Limited. [107 pages] Read More...
A-Card Pilot Initiative Impact Assessment
mSTAR/Bangladesh, working with the Agriculture Extension Support Activity (AESA) led by Dhaka Ahsania Mission (DAM), conducted pre- and postassessments in Faridpur district to understand the impact that a micro-credit product (called A-Card) delivered to smallholder farmers through Bank Asia’s agent banking had on participating farmers, associated ag-input retailers, and other relevant stakeholders, as well as to understand what further action can be taken to improve uptake of these services.
This report includes findings from the pre- and post-assessment surveys, beginning with farmers and retailers’ demographic information, including age, sex and education; as well as their mobile phone ownership, access and usage patterns. It also examines the knowledge and perceptions that stakeholders have of digital financial services (DFS), in addition to their perceived benefits from A-Card, associated challenges, and opportunities to scale up. In addition, this report includes some findings from a separate survey conducted solely by AESA. It concludes with recommendations based on the findings and feedback from stakeholders. [28 pages] Read More...
This report includes findings from the pre- and post-assessment surveys, beginning with farmers and retailers’ demographic information, including age, sex and education; as well as their mobile phone ownership, access and usage patterns. It also examines the knowledge and perceptions that stakeholders have of digital financial services (DFS), in addition to their perceived benefits from A-Card, associated challenges, and opportunities to scale up. In addition, this report includes some findings from a separate survey conducted solely by AESA. It concludes with recommendations based on the findings and feedback from stakeholders. [28 pages] Read More...
Global Partnership for Social Accountability- Strengthening Social Accountability in Education Baseline Survey
The purpose of this report is to present findings from baseline survey that was done concerning indicators for the Strengthening Social Accountability in the Education Sector in Malawi (SSAES). The baseline was done to provide the benchmark against the project’s key indicators for the purposes of monitoring, evaluation and learning.
The SSAES is a 3-year World Bank funded project being implemented by CARE Malawi, in partnership with the Civil Society Education Coalition (CSEC). The project is funded through the Global Partnership for Social Accountability (GPSA), a World Bank facility that supports civil society and governments to work together to solve critical governance challenges in developing countries. The SSAES project will be achieved through two key objectives, namely: - i) increased level of efficiency, transparency and accountability in the procurement processes; and ii) decreased teacher absenteeism. The project has a crosscutting component of Advocacy, Knowledge Management and Learning. The project is covering a total of 90 schools in six districts of Mzuzu City, Kasungu, Dedza, Balaka, Mwanza, and Mulanje.
The baseline was a cross sectional study using both qualitative and quantitative research methods. Primary data was done using five data collection tools: School questionnaire, household questionnaire, Focus Group Discussions (FGD), Key Informants Interviews (KII) and Observational methods. Data was collected from 6 project districts. A total of 360 household questionnaires, 46 school questionnaires, 15 Focus Group Discussions and 18 Key Informant Interviews were administered. Besides, the baseline used secondary data through desk review. Read More...
The SSAES is a 3-year World Bank funded project being implemented by CARE Malawi, in partnership with the Civil Society Education Coalition (CSEC). The project is funded through the Global Partnership for Social Accountability (GPSA), a World Bank facility that supports civil society and governments to work together to solve critical governance challenges in developing countries. The SSAES project will be achieved through two key objectives, namely: - i) increased level of efficiency, transparency and accountability in the procurement processes; and ii) decreased teacher absenteeism. The project has a crosscutting component of Advocacy, Knowledge Management and Learning. The project is covering a total of 90 schools in six districts of Mzuzu City, Kasungu, Dedza, Balaka, Mwanza, and Mulanje.
The baseline was a cross sectional study using both qualitative and quantitative research methods. Primary data was done using five data collection tools: School questionnaire, household questionnaire, Focus Group Discussions (FGD), Key Informants Interviews (KII) and Observational methods. Data was collected from 6 project districts. A total of 360 household questionnaires, 46 school questionnaires, 15 Focus Group Discussions and 18 Key Informant Interviews were administered. Besides, the baseline used secondary data through desk review. Read More...
Tz endline report
This 67 page document describes the results of the Banking on Change Tanzania endline survey Read More...
Women’s Economic Empowerment through Gender Transformative Approaches – Evidence from CARE’s Experience in Middle East & North Africa
CARE defines women’s economic empowerment (WEE) as the process by which women increase their right to economic resources and the power to make decisions that benefit themselves, their families and their communities. Our Theory of Change (as discussed in CARE’s WEE Strategy Document) outlines three conditions necessary for genuine and sustainable economic empowerment for women: increased capabilities, decision-making power and an enabling environment. An integrated approach across all three conditions is required to achieve genuine and sustainable change. Increasing individual women’s capabilities can lead to temporary increases in their economic opportunities and income. However, women’s economic empowerment can only be achieved through also transforming unequal power relations and discriminatory structures.
This Learning Brief is created to provide practical learning and present existing tools applied by CARE Country Offices (COs) in the Middle East and North Africa (MENA) region to encourage a more gender transformative approach to WEE and livelihood programming. This is highly relevant for practicioners from the whole sector working on economic empowerment and livelihood porgramming in fragile settings anywhere in the world. This document can aid a better understanding of gender transformative concepts by livelihood staff, as well as better understanding of the principles of sound economic empowerment by gender staff. This Learning Brief contains many practical insights and allows practicioners to understand how theory and frameworks can have an impact on the actual programming and results on the ground. The Hub encourages teams and practicioners to use this Brief, and the different overviews and examples provided, to reflect on their own work on gender integration, and take steps to move beyond gender responsive programming towards a truly transformative approach for our impact groups.
Learning insights incorporated in the document are based on the learning accumulated by CARE MENA Country Offices (COs) in the last five years under our women’s economic empowerment/livelihood programming. It focuses on two main components of WEE gender transformative programming: economic advancement and gender equality, along with approaches related to engaging men and boys. The evidence of these lessons learned is based on: 1) revision of documentation of more than 12 long term and short term WEE/livelihood programs implemented by CARE in Jordan, Syria, Egypt, West Bank & Gaza, Caucasus and the Balkans, 2) interviews with key informants including gender champions from these COs along with other global CARE gender experts who collectively searched for answers to questions in the themes of gender transformative approaches in WEE programming. Read More...
This Learning Brief is created to provide practical learning and present existing tools applied by CARE Country Offices (COs) in the Middle East and North Africa (MENA) region to encourage a more gender transformative approach to WEE and livelihood programming. This is highly relevant for practicioners from the whole sector working on economic empowerment and livelihood porgramming in fragile settings anywhere in the world. This document can aid a better understanding of gender transformative concepts by livelihood staff, as well as better understanding of the principles of sound economic empowerment by gender staff. This Learning Brief contains many practical insights and allows practicioners to understand how theory and frameworks can have an impact on the actual programming and results on the ground. The Hub encourages teams and practicioners to use this Brief, and the different overviews and examples provided, to reflect on their own work on gender integration, and take steps to move beyond gender responsive programming towards a truly transformative approach for our impact groups.
Learning insights incorporated in the document are based on the learning accumulated by CARE MENA Country Offices (COs) in the last five years under our women’s economic empowerment/livelihood programming. It focuses on two main components of WEE gender transformative programming: economic advancement and gender equality, along with approaches related to engaging men and boys. The evidence of these lessons learned is based on: 1) revision of documentation of more than 12 long term and short term WEE/livelihood programs implemented by CARE in Jordan, Syria, Egypt, West Bank & Gaza, Caucasus and the Balkans, 2) interviews with key informants including gender champions from these COs along with other global CARE gender experts who collectively searched for answers to questions in the themes of gender transformative approaches in WEE programming. Read More...
Pathways Project End of Project Evaluation Report
Pathways aimed to increase productivity and income in equitable agriculture systems. CARE innovated an effective Theory of Change to address real issues affecting rural women farmers by providing them with capacities in agriculture; access to inputs, extension services and markets; empowerment to influence decisions; and an enabling environment for growth.
Pathways has met and, in most cases, surpassed targets set in its M&E framework. In the words of women themselves the project has worked very well, focusing on groundnuts and soybean as high-value cash crop substitutes for tobacco because of their high potential for markets, ability to replenish the lost soil fertility and strong nutritional value. It has grown from working with 9,000 to 14,282 farmers (hosting a population of 71,410 people), organising them into 1,528 groups. Women provide leadership to most of the groups after being transformed to become successful wives, farmers and entrepreneurs who can make independent decisions and speak in public.
In 2015 alone, collective sale revenues from groundnuts and soy amounted to MK128, 601,938 (US$233,821.7) and rose to MK854, 356,267 (US$751,511) by the end of 2017. Contract farming organized by the project contributed US$34,233 to these revenues. In 2014, the project conducted 188 community-wide gender dialogue sessions and reached out to 9,654 people, 7193 female and 2464 male, helping them to internalize and address gender inequalities. Men have generally started looking at women as partners in agriculture and development that is cementing marriage bonds and creating an enabling environment for women to succeed. Along with this, CARE Malawi linked women farmers to key players in the groundnut and soy value chains to help them excel.
As a consequence, by December 2016 a total of 246 farmer groups had accounts with OIBM and other banks through which they saved MK49, 175,577 and 6 VSLs accessed two group loans worth MK4,800,000 (US$7,804.88) which they invested in agriculture, business and VSL activities. VSLs profited and shared out US$871,178 in the year, with more benefits seen in 2017 when savings accumulated to US$3,756,435 e.g. earnings of MK47, 489.32 to MK204, 769.33 per household on average. In turn, per capita household monthly incomes and expenditures doubled by the time the project closed in December 2018. Although agricultural productivity continued to decline over the project life due to poor weather conditions, Pathways farmers remained food secure and continued to eat at least two meals a day. Household dietary diversity (HDDS) and women intra-household food access (AHA) data from this evaluation found levels of consumption to be acceptable and typical of food secure households. These results showcase that Pathways beneficiaries have grown their incomes, assets and food availability in the face of the changing climate and are better off even in difficult years. Read More...
Pathways has met and, in most cases, surpassed targets set in its M&E framework. In the words of women themselves the project has worked very well, focusing on groundnuts and soybean as high-value cash crop substitutes for tobacco because of their high potential for markets, ability to replenish the lost soil fertility and strong nutritional value. It has grown from working with 9,000 to 14,282 farmers (hosting a population of 71,410 people), organising them into 1,528 groups. Women provide leadership to most of the groups after being transformed to become successful wives, farmers and entrepreneurs who can make independent decisions and speak in public.
In 2015 alone, collective sale revenues from groundnuts and soy amounted to MK128, 601,938 (US$233,821.7) and rose to MK854, 356,267 (US$751,511) by the end of 2017. Contract farming organized by the project contributed US$34,233 to these revenues. In 2014, the project conducted 188 community-wide gender dialogue sessions and reached out to 9,654 people, 7193 female and 2464 male, helping them to internalize and address gender inequalities. Men have generally started looking at women as partners in agriculture and development that is cementing marriage bonds and creating an enabling environment for women to succeed. Along with this, CARE Malawi linked women farmers to key players in the groundnut and soy value chains to help them excel.
As a consequence, by December 2016 a total of 246 farmer groups had accounts with OIBM and other banks through which they saved MK49, 175,577 and 6 VSLs accessed two group loans worth MK4,800,000 (US$7,804.88) which they invested in agriculture, business and VSL activities. VSLs profited and shared out US$871,178 in the year, with more benefits seen in 2017 when savings accumulated to US$3,756,435 e.g. earnings of MK47, 489.32 to MK204, 769.33 per household on average. In turn, per capita household monthly incomes and expenditures doubled by the time the project closed in December 2018. Although agricultural productivity continued to decline over the project life due to poor weather conditions, Pathways farmers remained food secure and continued to eat at least two meals a day. Household dietary diversity (HDDS) and women intra-household food access (AHA) data from this evaluation found levels of consumption to be acceptable and typical of food secure households. These results showcase that Pathways beneficiaries have grown their incomes, assets and food availability in the face of the changing climate and are better off even in difficult years. Read More...