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Promoting Opportunities for Women’s Economic Empowerment Project Analysis of Effects of Linkage
This report focuses on the effects of CARE’s POWER/PROFIR (Promoting Opportunities for Women’s Economic Empowerment) project on the financial health of village savings and loans groups in Cote d’Ivoire and Rwanda. The project is a collaboration between CARE Canada, Access Africa, and MasterCard Foundation. CARE International is one of the world’s leading organizations in the promotion of Village Savings and Loan Associations (VSLAs) in Africa, reaching more than 3.5 million people in 26 countries. CARE’s POWER project aims to determine the relative benefit of formal financial links for savings groups, households and individuals, and banks in Burundi, Ethiopia, Cote d’Ivoire, and Rwanda. However, this report only focuses on the two latter countries. For Rwanda, CARE‘s POWER project is called PROFIR (Promoting Financial Inclusion in Rwanda). [49 pages] 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...
Mainstreaming of Social Accountability in The Emergency Labor Intensive Investment Project: Evaluation Study
Social accountability is one of the forms of accountability resulting from the activities of citizens and civil society organizations (CSOs) to hold government agencies accountable. The World Bank was the first to use the term “social accountability” (SA) to describe a set of procedures and mechanisms that enable citizens, civil society, and mass media to hold the government and public sector officials accountable. The term also represents the procedures adopted by the government, CSOs, mass media, and other social stakeholders to promote or facilitate such efforts. Therefore, SA is a form of social participation that transforms communities from being service receivers to a key partner throughout all stages, including needs assessment, pre-planning of activities, monitoring of service delivery, up to evaluation and improvement.
Social accountability aims at enabling stakeholders to access the best services. As such, it relies on mechanisms for giving voice and participation. Over the past decade there were many examples that revealed that citizens could express their viewpoints and actively participate in urging the public sector to be more responsive and accountable.
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Social accountability aims at enabling stakeholders to access the best services. As such, it relies on mechanisms for giving voice and participation. Over the past decade there were many examples that revealed that citizens could express their viewpoints and actively participate in urging the public sector to be more responsive and accountable.
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...
Integrated Platform for Gender Based Violence Prevention and Response Sambodhan Baseline
This report presents the findings of the baseline study of National Women Commission’s (NWC) Integrated Platform for Gender Based Violence Prevention and Response (IPGBVPR) project funded by the World Bank. The specific objective of this study was to collect baseline data for the project's indicators. The study has also strived to collect information on community's perception on prevalence of Gender Based Violence (GBV) in their locality, and acceptance of GBV and norms related to GBV by the community. Findings of this study are expected to help NWC devise an effective work plan for the IPGBVPR project. [119 pages] Read More...
For the Project of Financial Linkage for Inclusion: Remote Ethnic Minority Women
In line with CARE Vietnam’s program priorities, Financial Linkage for Inclusion – a project funded by VISA - focuses on empowering ethnic minority women in Dien Bien through financial inclusion. The programme was implemented from July 2015 until March 2018. This project aims to increase Remote Ethnic Minority Women’s access to formal financial products and services to increase their financial inclusion. Under FinLINK, CARE International in Vietnam entered into a partnership with LienVietPost Bank to deploy the solution. It focuses on piloting a product is ViViet to support ethnic minority women VLSA members with access to formal financial services including savings and micro-loans.
The greatest impact of the project is to help the women know how to save money and manage their families’ finance. This would have huge downscale impacts in terms of families being able to improve their family health, education status etc. 97.6% of the VSLA group members said that they could save money on a regular basis. Among the increased income sources, 85.5% of the women (the highest proportion) said that their families’ income increased thanks to their shares contributed to the VSLA groups and their interests. Because of a habit of saving, 65.9% of the women said that they always managed to keep cash for urgent and emergent situations like sickness, paying children’s tuition fees, buying
fertilizer/pesticide in the event of a pest attack. The project clearly impacted not just at the level of building knowledge but there is an evidence of actual change in the behavior. Read More...
The greatest impact of the project is to help the women know how to save money and manage their families’ finance. This would have huge downscale impacts in terms of families being able to improve their family health, education status etc. 97.6% of the VSLA group members said that they could save money on a regular basis. Among the increased income sources, 85.5% of the women (the highest proportion) said that their families’ income increased thanks to their shares contributed to the VSLA groups and their interests. Because of a habit of saving, 65.9% of the women said that they always managed to keep cash for urgent and emergent situations like sickness, paying children’s tuition fees, buying
fertilizer/pesticide in the event of a pest attack. The project clearly impacted not just at the level of building knowledge but there is an evidence of actual change in the behavior. 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.
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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...
Uganda: Refugees and Host Communities in Yumbe and Terego Districts Rapid Gender Analysis
The conflict in South Sudan expanded to the southern parts of the country in July 2016, which led to an influx of refugees in Northern Uganda. Uganda hosts 1.5 mill. refugees in total, many live in refugee settlements. The four largest settlements in West Nile are Bidi Bidi, Palorinya, Rhino and Imvepi, with numbers of refugees ranging from 60,000 to more than 240,000. According to a report of the World bank and Uganda Office of the Prime Minister (OPM) on gender-based violence (GBV) in Uganda from 2020, more than 80 % of the refugees and asylum seekers in Uganda are women and children. During the conflict, violence against women and girls such as the abduction of girls and the use of rape as a weapon of war was used. Women and girls fleeing to Uganda reported sexual and gender-based violence (SGBV) “to have taken place throughout the route of migration within South Sudan itself as well as when crossing the border." 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
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The project is built upon four main programs:
• Field Crops Program
• Rangelands Improvement Program
• Irrigation Techniques Program
• Agro Practices Program
Read More...