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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...

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...

Increasing Quality and Work Opportunities for Women with Disabilities in Georgia: Year 3 Report

In July 2015, CARE Czech Republic together with CARE International in the Caucasus, started implementation of the project “Increasing Quality and Work Opportunities for Women with Disabilities in Georgia” in three municipalities of Georgia: Samtredia, Senaki and Abasha. The project was funded by the Czech Development Agency
implemented activities, main achievements and findings. [33 pages] Read More...

Increasing Quality and Work Opportunities for Women with Disabilities in Georgia Final Evaluation Report

This report presents the findings of an evaluation of the project “Increasing Quality and Work Opportunities for Women with Disabilities in Georgia”, 3-year project funded by the Czech Development Agency, managed and implemented jointly by CARE Czech Republic and CARE International in the Caucasus in three target municipalities of Georgia (Samtredia, Abasha, Senaki). The evaluation was carried out by CARE Caucasus MEALS team in December 2017 involving a document review, an inception meeting with project staff and a field visits to the target locations of the project to talk to project participants, representatives of local civic organizations, and other key informants such as local stakeholders. The project started in July 2015 and completed in December 2017 having had the three independent project cycles/years. [28 pages]
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Integrating Sexual and Reproductive Health and Gender Based Violence Programming

Learning brief on CARE's sexual and reproductive health (SRH) and gender-based violence (GBV) implementation programming in in Cox’s Bazar (CxB), Bangladesh, home to nearly a million refugees from Myanmar. 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...

Relief Support for Flood and Cyclone Affected Population in Need in South-East Bangladesh (RESPONSE) Project

Heavy rainfall befell Bangladesh in the last week of June 2015, causing landslides and flash flooding. 29 Upazilas (sub-districts) of the South-Eastern districts of Cox’s Bazar, Bandarban and Chittagong were the worst affected areas as identified by the Department of Disaster Management (DDM) - a Joint Needs Assessment revealed that a total of over 1.8 million people were adversely impacted.

Incessant rainfalls in turn resulted in a depression in the North Bay of Bengal and transformed in to a Cyclonic Storm ‘Komen’ on 30 July 2015, affecting 15 districts situated in the low-lying areas of the coastal belt, offshore islands, and chars. ‘Komen’ led to further heavy to very heavy rainfall across the entire country, and caused inundation in many areas of Southeast Bangladesh, including those which were affected by the initial phase of heavy rainfall. Consequently the lives and livelihoods of a large cross section of people from these areas were severely impacted – JNA and a post-cyclone rapid impact assessment conducted in the most affected districts revealed that the total number of people affected by flash floods and ‘Komen’ stood at 2.6 million in Southern Bangladesh!

The assessments identified Food Security/Supply, Livelihoods, WASH, and Shelter as the immediate needs of the affected people. Humanitarian actors came together to incorporate these needs in to a Joint Response Plan (JRP) aimed at addressing the immediate and emerging adversities facing the most vulnerable and affected communities. The response plan was also endorsed by the key stakeholders including government and donor organizations.

Based on the JRP the National Alliance for Risk Reduction and Response Initiatives (NARRI) consortium undertook a response project in the most affected areas. NARRI responded to the immediate needs of affected communities by providing unconditional cash grants as assistance. CARE Bangladesh led the consortium with Oxfam, Concern Worldwide (CWW), Concern Universal (CU) and Plan International as consortium members, while Handicap International served as technical partner. [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...

Camp Coordination and Camp Management (CCCM) phase III & Improving Living Condition and Mitigating Monsoon Risk for the Refugees: Endline Study Report

CARE Bangladesh has partnered with IOM since November 2017 as Site Management Support Agency in Camp 16 (Potibunia) and since 01 January 2019 in Camp 13 of Ukhia upazila of Cox’s Bazar District.

A joint End-line assessment was conducted in both camps being site managed and coordinated by CARE Bangladesh (Camps 13 and 16) with the support from IOM and IRW. In addition, Shelter and WASH component were also supported by these two donors for selected HH. The purpose of this end-line study was to provide measurable data against project targets, indicators, outcomes and objectives, as well as to help prioritize activities and focus of work across the two locations.

Overall, the situation seemed improved more in camp 16 than in camp 13 followed by CARE intervention which was at the same level in the baseline. . Participation in decision making process block wise in both camps increased almost by 39%. 95% of respondents said that site development activity was done in last month that indicates the value of work actually ongoing. On the shelter response almost 66% responded they are having good quality shelter. Access to enough water for household need and water treatment stratus before drinking increased simultaneously in a good way. Open defecation is still having a concerning issues in both camp. A variety of factors might explain these differences that explained with deeper analysis in this report. Read More...

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