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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...
Assessing the Impact of Digitally-Enabled Microcredit for Smallholder Farmers
mSTAR/Bangladesh, working with the Agriculture Extension Support Activity (AESA) led by Dhaka Ahsania Mission (DAM), conducted pre and post assessments 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. 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. Read More...
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...
Sudan – Khartoum, Al Gezira, East Darfur, South Darfur Rapid Gender Analysis
On April 15, 2023, heavy clashes erupted between the Sudanese Armed Forces (SAF) and Rapid Support Forces (RSF) in Khartoum. The conflict has since expanded and involves more non-state armed actors. There has been a near total collapse of services in the most conflict-affected states, including the closure of markets, shops, healthcare centers, schools, and the outages of water, electricity, banking, and telecommunications infrastructures. The complexity of the situation sets the tone for rippling consequences that have been seen across the entire population, especially affecting already marginalized groups and those with pre-existing vulnerabilities (such as female-headed households and those with chronic health conditions). The purpose of the Rapid Gender Analysis (RGA) is to provide information about the different needs, capacities and coping strategies of women and men focusing on four states: Al Gezira, Khartoum, East Darfur, and South Darfur. The RGA gathered primary data from 121 participants in August 2023, and triangulated the findings against 90 secondary data sources.
Data from the RGA shows that despite women taking on more income-generating responsibilities, they continue to have unequal decision-making rights within the household. One of the biggest changes in gender roles has been the emergence of more women in the labor force. Men and women alike reported feeling that the only job opportunities currently available are for women. As such, women are increasingly working outside of the household to financially provide for their families. Despite this change, the division of household unpaid care work has not shifted; in most cases, the burden of caretaking for the family is shouldered by women and has only expanded since schools have closed. Therefore, while most women feel they have gained marginally more decision-making power within the household, it has been primarily related to caregiving tasks and making choices around pursuing different types of income-generating opportunities.
Similarly, women are playing important roles in the humanitarian response, but they remain sidelined from humanitarian decision-making. Many of the patriarchal norms that have been long-present in Sudanese culture that restrict women’s agency and participation in the public sphere have continued. Read More...
Data from the RGA shows that despite women taking on more income-generating responsibilities, they continue to have unequal decision-making rights within the household. One of the biggest changes in gender roles has been the emergence of more women in the labor force. Men and women alike reported feeling that the only job opportunities currently available are for women. As such, women are increasingly working outside of the household to financially provide for their families. Despite this change, the division of household unpaid care work has not shifted; in most cases, the burden of caretaking for the family is shouldered by women and has only expanded since schools have closed. Therefore, while most women feel they have gained marginally more decision-making power within the household, it has been primarily related to caregiving tasks and making choices around pursuing different types of income-generating opportunities.
Similarly, women are playing important roles in the humanitarian response, but they remain sidelined from humanitarian decision-making. Many of the patriarchal norms that have been long-present in Sudanese culture that restrict women’s agency and participation in the public sphere have continued. Read More...
Rapid Gender Analysis Policy Brief: Sudan Conflict Response, May 2023
On April 15, 2023, the Sudanese Armed Forces (SAF) and Rapid Support Forces (RSF) erupted into heavy clashes in Khartoum. The armed fighting is concentrated in urban centres, mostly affecting Khartoum and areas along the east-west corridor of Kassala to West Darfur.1 Violence continues to escalate despite the ceasefire that was announced on April 24, 2023. According to the Federal Ministry of Health (FMoH), between April 15 and 27, 589 people have been killed and 4,599 have been injured due to the violence.
As of 6 May, 334,000 civilians are estimated have been displaced internally (a majority of whom are women and children), fleeing to safer areas within Sudan while 120,0000 have left Sudan with the majority seeking refuge in
Central African Republic, Chad, Ethiopia, Egypt, the Kingdom of Saudi Arabia, and South Sudan. Vulnerable populations such as female-headed households, persons with disabilities, urban poor, pregnant and lactating
women, children, and internally displaced persons (IDPs) before this conflict are at a heightened risk.
Frontline organizations have begun providing initial reports that residential buildings, water, and energy infrastructure are damaged, some banks have closed while communications and internet connectivity have also been breached. Basic services are down, and civilians risk their lives to travel to more secure areas. Families are prioritising women and children for evacuations to safer places, leading to family separations, and exposing them
to higher risks of gender-based violence and trafficking en -route to safety. For persons with physical disability, this is particularly difficult is possible as there is limited support to help their mobility. Public and private
facilities have been looted including health centres and aid organizations as the situation gets dire. Read More...
As of 6 May, 334,000 civilians are estimated have been displaced internally (a majority of whom are women and children), fleeing to safer areas within Sudan while 120,0000 have left Sudan with the majority seeking refuge in
Central African Republic, Chad, Ethiopia, Egypt, the Kingdom of Saudi Arabia, and South Sudan. Vulnerable populations such as female-headed households, persons with disabilities, urban poor, pregnant and lactating
women, children, and internally displaced persons (IDPs) before this conflict are at a heightened risk.
Frontline organizations have begun providing initial reports that residential buildings, water, and energy infrastructure are damaged, some banks have closed while communications and internet connectivity have also been breached. Basic services are down, and civilians risk their lives to travel to more secure areas. Families are prioritising women and children for evacuations to safer places, leading to family separations, and exposing them
to higher risks of gender-based violence and trafficking en -route to safety. For persons with physical disability, this is particularly difficult is possible as there is limited support to help their mobility. Public and private
facilities have been looted including health centres and aid organizations as the situation gets dire. Read More...
Rapid Gender Analysis Al Hamdaniya District, Ninewa Governorate, Iraq September 2022
CARE International in Iraq (CARE Iraq) with the support of the Ministry of Foreign Affairs – Czech Republic is providing Water, Sanitation and Hygiene (WASH) and protection mainstreaming services in three villages in Al Hamdaniya District in Ninewa governorate. CARE Iraq is directly implementing both services. CARE Iraq aims to understand different gender norms, roles, and dynamics, in addition to the specific needs of women, girls and vulnerable people in the project locations to ensure safe, equitable and dignified access to the services.
The conflict in Iraq and the protracted humanitarian crisis have had a severe impact on infrastructure and service delivery in general, which together with the COVID-19 pandemic and the rise of the unemployment rate has led to an increase in existing Gender Based Violence (GBV) and protection risks. The continuance of political and economic instabilities is having a huge effect on the population as a whole; however, conflicts and emergencies impact women and girls differently, and understanding different roles, dynamics and needs will help improve the quality of and access to those services. In Ninewa Governorate, the water situation in Al Hamdaniya District, among others, is dire due to a combination of poor management and neglect of the water infrastructure in the district. The current drought phenomena have also caused widespread water scarcity in many parts of Iraq for drinking, agricultural needs, and multiple other purposes. There are several concerns around the hygiene and WASH needs of the targeted community members. In the targeted communities, access to water infrastructure, and access to water in general both for drinking and domestic use are challenges that the communities face in addition to the inadequate sanitation facilities.
Key Findings:
* Cost of transportation is one of the major factors that limit the mobility of community members especially women and girls.
• The majority of the community especially women don’t get consulted about their needs by aid organizations
• Around a third of the targeted community feel that their hygiene needs are not being met.
• There is a dramatic increase in the reports of GBV and the severity of the risks of GBV in Iraq.
• The majority of women do not participate in community decision making.
• Loss of livelihoods and income is prevalent in the targeted communities Read More...
The conflict in Iraq and the protracted humanitarian crisis have had a severe impact on infrastructure and service delivery in general, which together with the COVID-19 pandemic and the rise of the unemployment rate has led to an increase in existing Gender Based Violence (GBV) and protection risks. The continuance of political and economic instabilities is having a huge effect on the population as a whole; however, conflicts and emergencies impact women and girls differently, and understanding different roles, dynamics and needs will help improve the quality of and access to those services. In Ninewa Governorate, the water situation in Al Hamdaniya District, among others, is dire due to a combination of poor management and neglect of the water infrastructure in the district. The current drought phenomena have also caused widespread water scarcity in many parts of Iraq for drinking, agricultural needs, and multiple other purposes. There are several concerns around the hygiene and WASH needs of the targeted community members. In the targeted communities, access to water infrastructure, and access to water in general both for drinking and domestic use are challenges that the communities face in addition to the inadequate sanitation facilities.
Key Findings:
* Cost of transportation is one of the major factors that limit the mobility of community members especially women and girls.
• The majority of the community especially women don’t get consulted about their needs by aid organizations
• Around a third of the targeted community feel that their hygiene needs are not being met.
• There is a dramatic increase in the reports of GBV and the severity of the risks of GBV in Iraq.
• The majority of women do not participate in community decision making.
• Loss of livelihoods and income is prevalent in the targeted communities Read More...
Strengthening Livelihoods through Community Adaptation and Learning (SLCAL)
This 63 page report on the project titled “Strengthening Livelihoods through Community Adaptation and Learning (SLCAL)” aimed at “Strengthening the livelihood and security of vulnerable, food insecure and exposed to multiple risks Palestinian communities by building their capacity to adapt to climate variability and longer term of change”. The project targeted 26 communities and 1,300 farming households from West Bank and Gaza strip over an implementation period of four years.
The project is built upon four main programs:
• Field Crops Program
• Rangelands Improvement Program
• Irrigation Techniques Program
• Agro Practices Program
Read More...
The project is built upon four main programs:
• Field Crops Program
• Rangelands Improvement Program
• Irrigation Techniques Program
• Agro Practices Program
Read More...
Study on the sustainability of GRAD structures and outcomes
This study conducted by PDCR aims to better understand the sustainability and functionally of the processes and elements of GRAD-I as well as the different actors and structures supported and established by the project. And as such this report will focus on VESAs, household/value chains, agro-dealers, FEMAs/Cooperatives, micro-franchise, multi-stakeholders platform and access to finance after the project ended and will cover the period from December 2016 until September 2019.
Background
The Graduation with Resilience to Achieve Sustainable Development (GRAD) project (hereafter referred to as the project) was a five-year USAID-funded project which began in December 2011 and ended in December 2016. Its strategic objective was to graduate a minimum of 50,000 chronically food-insecure households from the Ethiopian Government’s (GoE’s) Productive Safety Net Program (PSNP). Additionally, it aimed to increase each household’s income by $365 by the project’s fifth year in 16 Woredas in Tigray, Amhara, Oromia, and Southern Nations, Nationalities, and Peoples Region (SNNPR). During the implementation of the project combined “push” and “pull” model into a complete and integrated package of interventions and within this model the project at times established and/or the above-mentioned actors.
Methodology
Accordingly, desktop reviews of relevant documents including the project final evaluation, suitability and exit plan as well as a variety of reports were undertaken. The study team collected quantitative and qualitative information from 330 VESAs, 1,066 households, 188 saleswomen, 21 agro-dealers, 31 FEMAs/cooperatives. Furthermore, it consulted with representatives from multi-stakeholder platforms groups, Woreda FSTF, MFIs/RuSACCOs and participating wholesalers linked to the project.
Key findings:
VESAs:
56% of the VESAs established and supported by the project are still active as members were able to benefit from their membership, improve their saving and loan management, improve loan repayment mechanisms, were able to share out on time and at critical times, have structured and transparent management committee. These groups develop their members’ social capital, have a strong sense of trust, have benefited from their family’s support. The active VESA have reasonable membership size, common interest and have managed receive continued support.
42% of the VESAs established are inactive as members lost confidence and the interest right after the project ended. Members did not clearly understand the value of the VESAs, some faced internal conflicts, others such as the groups in Sidama and Gurage Zones were affected by drought and security issues. Overall, the inactive VESAs have received less support especially those established in the later part of the project. On a positive side, in Tigray few groups dissolved their VESAs as there was no needed since they now have started saving at banks and can access credit from MFIs.
2% of VESAs have transformed into RuSACCOs. Those who managed to this transformation was encouraged by some of their members who already were also member to a RuSACCO. The VESAs were not encouraged due to RuSACCO’s principle that supported individual membership to join already established RuSACCOs; and groups would rather retain their VESA as they feel they have full control and do not want to lose their social capital.
Active VESAs were formed on a voluntary base and were given adequate briefing about the purpose of the group. In contrast, the inactive VESAs members were mainly selected and groups were formed by project staffs.
Active VESAs remained together and have not sought to split into smaller groups as they value the social capital created within the group and prefer to work as a one team. Dissimilarly, 53% of the currently inactive groups did separate to form smaller groups, mainly due to internal conflicts, dissatisfaction regarding members selection methods and lack of management skills amongst the leadership.
Across all study areas, all VESAs were found have bylaws and in the case of Tigray and Amhara regions, some groups internally agreed and have amended their bylaws articles related to saving amounts, loan repayment mechanisms and interest rates reflecting their needs.
Active VESAs have successfully built social cohesion, capital, are a safe and fertile environment for training, social and cultural norms discussion platforms that may impede development drives and contribute to food security (e.g. gender inequality, infant feeding practices, etc.).
On average 61% of the active VESAs have been able to increase their savings size while only 13% reporting a decrease. Those who reported a decrease was directly associated to their inability to save as family expenses have escalated and they were unable to generate more income in order to save.
In all the study areas, the groups have paid share out every year in May and June. Their average value of liquid savings during the last share-out was 28,282 Birr with an average group share out of 1,444 Birr ($51) and an internal loan size of 26,649 Birr.
Read More...
Background
The Graduation with Resilience to Achieve Sustainable Development (GRAD) project (hereafter referred to as the project) was a five-year USAID-funded project which began in December 2011 and ended in December 2016. Its strategic objective was to graduate a minimum of 50,000 chronically food-insecure households from the Ethiopian Government’s (GoE’s) Productive Safety Net Program (PSNP). Additionally, it aimed to increase each household’s income by $365 by the project’s fifth year in 16 Woredas in Tigray, Amhara, Oromia, and Southern Nations, Nationalities, and Peoples Region (SNNPR). During the implementation of the project combined “push” and “pull” model into a complete and integrated package of interventions and within this model the project at times established and/or the above-mentioned actors.
Methodology
Accordingly, desktop reviews of relevant documents including the project final evaluation, suitability and exit plan as well as a variety of reports were undertaken. The study team collected quantitative and qualitative information from 330 VESAs, 1,066 households, 188 saleswomen, 21 agro-dealers, 31 FEMAs/cooperatives. Furthermore, it consulted with representatives from multi-stakeholder platforms groups, Woreda FSTF, MFIs/RuSACCOs and participating wholesalers linked to the project.
Key findings:
VESAs:
56% of the VESAs established and supported by the project are still active as members were able to benefit from their membership, improve their saving and loan management, improve loan repayment mechanisms, were able to share out on time and at critical times, have structured and transparent management committee. These groups develop their members’ social capital, have a strong sense of trust, have benefited from their family’s support. The active VESA have reasonable membership size, common interest and have managed receive continued support.
42% of the VESAs established are inactive as members lost confidence and the interest right after the project ended. Members did not clearly understand the value of the VESAs, some faced internal conflicts, others such as the groups in Sidama and Gurage Zones were affected by drought and security issues. Overall, the inactive VESAs have received less support especially those established in the later part of the project. On a positive side, in Tigray few groups dissolved their VESAs as there was no needed since they now have started saving at banks and can access credit from MFIs.
2% of VESAs have transformed into RuSACCOs. Those who managed to this transformation was encouraged by some of their members who already were also member to a RuSACCO. The VESAs were not encouraged due to RuSACCO’s principle that supported individual membership to join already established RuSACCOs; and groups would rather retain their VESA as they feel they have full control and do not want to lose their social capital.
Active VESAs were formed on a voluntary base and were given adequate briefing about the purpose of the group. In contrast, the inactive VESAs members were mainly selected and groups were formed by project staffs.
Active VESAs remained together and have not sought to split into smaller groups as they value the social capital created within the group and prefer to work as a one team. Dissimilarly, 53% of the currently inactive groups did separate to form smaller groups, mainly due to internal conflicts, dissatisfaction regarding members selection methods and lack of management skills amongst the leadership.
Across all study areas, all VESAs were found have bylaws and in the case of Tigray and Amhara regions, some groups internally agreed and have amended their bylaws articles related to saving amounts, loan repayment mechanisms and interest rates reflecting their needs.
Active VESAs have successfully built social cohesion, capital, are a safe and fertile environment for training, social and cultural norms discussion platforms that may impede development drives and contribute to food security (e.g. gender inequality, infant feeding practices, etc.).
On average 61% of the active VESAs have been able to increase their savings size while only 13% reporting a decrease. Those who reported a decrease was directly associated to their inability to save as family expenses have escalated and they were unable to generate more income in order to save.
In all the study areas, the groups have paid share out every year in May and June. Their average value of liquid savings during the last share-out was 28,282 Birr with an average group share out of 1,444 Birr ($51) and an internal loan size of 26,649 Birr.
Read More...
Closing The Financial Inclusion Gap in Rwanda (CFIGR) Project
From September 2019 to April 2022, MINECOFIN technically and financially collaborated with CARE to design and implement a project called the Closing Financial Inclusion in Rwanda (CFIGR) that aimed at closing the financial inclusion gap and promoting the long-term saving scheme (LTSS) among VSLA members. The main objectives of the projects were.
I. Improving the financial literacy levels and saving culture of 700,000 financially excluded (75% women) in 30 districts of Rwanda.
II. Increasing access to and use of appropriate and affordable customer centric products/ services for 560,000 financially excluded Rwandans.
III. Piloting effective transition to cashless payments, through the digitalization of at least 2080 of the supported saving groups’ operations/transactions and development and provision of technology based formal financial services. IV. Increasing LTSS subscriptions and sustained payments through VSLAs as platforms. V. Expanding the existing CARE’s Agents Network to cover all 14,837 villages as a community development advisory, catalyst, and support structure. Key Achievements Thanks to CFIGR project, CARE’s financial inclusion work now covers 30 Districts through 15,053 Village Agents supporting 39,776 village savings & loan groups (VSLGs) with over 1,087,154 members, 74% being women that have so far mobilized around RWF 25,352,861,314 ($ 25M USD) of total savings and use RWF 22,124,081,062 ($ 22M USD) of cumulative loans1 invested in groups ‘members income generating activities. The CARE-MINECOFIN partnership project has been able to contribute to closing the financial inclusion gap by organizing 440,036 financially excluded citizens (71% women) into 17,088 VSLAs. These VSLA members form part of the 745,459 people mapped at the beginning of the project as financial excluded representing 59% and are now financially included. In addition, 369,726 VSLAs members have access to formal financial services which include SACCOs, MFIs and Banks where they can save and borrow for personal needs.
To increase LTSS subscriptions and sustained payments through VSLAs, CARE integrated LTSS into financial literacy manual as an effective manner for VAs to deliver messages to VSLAs members and make informed choices; subscribe and persistently save through the long-term pension scheme. CARE trained and equipped master trainers with digital materials. Under the additional financial support of the UNCDF, 416 master trainers in each village were equipped with digital materials including tablets and animated videos to help mobilize, register, and follow up on LTSS payments by VSLA members. To date, 225,293 VSLA members (70% women and 21% youth) both from old and new VSLAs have registered in EjoHeza scheme. 197,151 members (68% women) are active savers and FRW 1,429,982,010 saved as annual contributions as of end April 2022. Read More...
I. Improving the financial literacy levels and saving culture of 700,000 financially excluded (75% women) in 30 districts of Rwanda.
II. Increasing access to and use of appropriate and affordable customer centric products/ services for 560,000 financially excluded Rwandans.
III. Piloting effective transition to cashless payments, through the digitalization of at least 2080 of the supported saving groups’ operations/transactions and development and provision of technology based formal financial services. IV. Increasing LTSS subscriptions and sustained payments through VSLAs as platforms. V. Expanding the existing CARE’s Agents Network to cover all 14,837 villages as a community development advisory, catalyst, and support structure. Key Achievements Thanks to CFIGR project, CARE’s financial inclusion work now covers 30 Districts through 15,053 Village Agents supporting 39,776 village savings & loan groups (VSLGs) with over 1,087,154 members, 74% being women that have so far mobilized around RWF 25,352,861,314 ($ 25M USD) of total savings and use RWF 22,124,081,062 ($ 22M USD) of cumulative loans1 invested in groups ‘members income generating activities. The CARE-MINECOFIN partnership project has been able to contribute to closing the financial inclusion gap by organizing 440,036 financially excluded citizens (71% women) into 17,088 VSLAs. These VSLA members form part of the 745,459 people mapped at the beginning of the project as financial excluded representing 59% and are now financially included. In addition, 369,726 VSLAs members have access to formal financial services which include SACCOs, MFIs and Banks where they can save and borrow for personal needs.
To increase LTSS subscriptions and sustained payments through VSLAs, CARE integrated LTSS into financial literacy manual as an effective manner for VAs to deliver messages to VSLAs members and make informed choices; subscribe and persistently save through the long-term pension scheme. CARE trained and equipped master trainers with digital materials. Under the additional financial support of the UNCDF, 416 master trainers in each village were equipped with digital materials including tablets and animated videos to help mobilize, register, and follow up on LTSS payments by VSLA members. To date, 225,293 VSLA members (70% women and 21% youth) both from old and new VSLAs have registered in EjoHeza scheme. 197,151 members (68% women) are active savers and FRW 1,429,982,010 saved as annual contributions as of end April 2022. Read More...