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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...
RAPID GENDER ANALYSIS TO INFORM THE 2021 HUMANITARIAN PROGRAMME CYCLE IN THE OCCUPIED PALESTINIAN TERRITORY
The impacts of humanitarian crises are not gender neutral. Global evidence shows that when disasters strike, and humanitarian crises unfold, they have differential impacts on women, girls, men, boys and persons of diverse gender identities. Humanitarian response informed by gender analysis means that humanitarian action incorporates recommendations drawn from that robust analysis, which identifies the shifting needs, capacities and priorities of women, girls, men and boys. A recent report1 from the OCHA Gender Unit identified that several Humanitarian Needs Overviews (HNOs) and Humanitarian Response Plans (HRPs) had made progress in utilising and integrating gender analysis into the humanitarian response planning process but that more progress could still be made, specifically by improving sector-specific gender analysis and the application of that analysis to specific sectoral interventions. The same report identified that the occupied Palestinian territory (oPt) Humanitarian Programme Cycle (HPC) documents had made considerable progress towards gender integration and gender sensitive programming, but that more sectoral and cross cutting work could still be done since, overwhelmingly, the majority of gender analysis continued to focus on traditional areas associated with “women’s issues” such as gender-based violence (GBV), sexual and reproductive health (SRH), and maternal health.
This synthesis report is produced by CARE in partnership with OCHA. It is part of efforts to ensure a more systematic gender analysis is accessible, and utilised, throughout the 2021 HPC process. Drawing on the 2020 oPt HNO and HRP, as well as the Gender Unit’s review of several 2020 HNOs, this document synthesizes recent2 CARE Palestine West Bank/Gaza and OCHA generated gender analysis reports with the aim of helping HPC actors better integrate gender analysis into the planning process. Read More...
This synthesis report is produced by CARE in partnership with OCHA. It is part of efforts to ensure a more systematic gender analysis is accessible, and utilised, throughout the 2021 HPC process. Drawing on the 2020 oPt HNO and HRP, as well as the Gender Unit’s review of several 2020 HNOs, this document synthesizes recent2 CARE Palestine West Bank/Gaza and OCHA generated gender analysis reports with the aim of helping HPC actors better integrate gender analysis into the planning process. Read More...
Ombona Resume Executif
Resume Executif de l'etude de reference du projet Ombona. Rapport complet disponible ici: http://careevaluations.org/evaluation/ombona-baseline/
Selon les TDR, à la fin du mandat de cet etude:
• le Projet Ombona serait capable d’apprécier la situation qui prévaut dans les huit communes en ce qui concerne l’accès des ménages, notamment des plus vulnérables et des femmes aux services des banques par le biais du mobile banking et de l’inclusion financière.
• les indicateurs d’amélioration de condition de vie des femmes à travers la prise de décision financière au niveau de ménage affiner les stratégies de mise en oeuvre et choisir l’approche la plus appropriée. Read More...
Selon les TDR, à la fin du mandat de cet etude:
• le Projet Ombona serait capable d’apprécier la situation qui prévaut dans les huit communes en ce qui concerne l’accès des ménages, notamment des plus vulnérables et des femmes aux services des banques par le biais du mobile banking et de l’inclusion financière.
• les indicateurs d’amélioration de condition de vie des femmes à travers la prise de décision financière au niveau de ménage affiner les stratégies de mise en oeuvre et choisir l’approche la plus appropriée. Read More...
Enhancing social protection by empowering CSOs in Bosnia and Herzegovina Midterm
In May, 2018, CARE International in cooperation with 7 project partners started implementation of the project: Enhancing social protection by empowering CSOs in Bosnia and Herzegovina – Financed by CZDA and CARE Czech Republic which will be realized within a three year timeframe (2018, 2019 and 2020).
The project is aimed to contribute to strengthening the weak social welfare and social protection as well as access to rights and social inclusion for the marginalized and most vulnerable. Poor economic performance and high unemployment cause shocks in the country’s social welfare system which largely effects the socio-economic position of citizens, especially most vulnerable and marginalized. The state and non-state service providers are under-capacitated and underfunded and their inability to provide adequate social protection services to the marginalized and most vulnerable populations has created a need and space for CSOs to get involved in the service provision. CSO efforts and involvement, however, have not been adequately recognized, supported and financed by the governmental institutions.
The evaluation of the impact of the initiative is done in line with the ToR that was created for the purpose of this assignment. The objective of the midterm evaluation is measuring the level of achievements of the objectives as well as level of satisfaction of project partners and other beneficiaries of the initiative. The evaluation process is internal and participatory with direct involvement of beneficiaries of the initiative. The midterm evaluation report includes report on implemented activities as well as lessons learned and recommendations.
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The project is aimed to contribute to strengthening the weak social welfare and social protection as well as access to rights and social inclusion for the marginalized and most vulnerable. Poor economic performance and high unemployment cause shocks in the country’s social welfare system which largely effects the socio-economic position of citizens, especially most vulnerable and marginalized. The state and non-state service providers are under-capacitated and underfunded and their inability to provide adequate social protection services to the marginalized and most vulnerable populations has created a need and space for CSOs to get involved in the service provision. CSO efforts and involvement, however, have not been adequately recognized, supported and financed by the governmental institutions.
The evaluation of the impact of the initiative is done in line with the ToR that was created for the purpose of this assignment. The objective of the midterm evaluation is measuring the level of achievements of the objectives as well as level of satisfaction of project partners and other beneficiaries of the initiative. The evaluation process is internal and participatory with direct involvement of beneficiaries of the initiative. The midterm evaluation report includes report on implemented activities as well as lessons learned and recommendations.
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CARE Malawi COVID Vaccine Delivery Situation January 2022
“The vaccines are here but support for delivery is most needed, especially at the last mile.” – District Health Management Team member, Ntcheu
As of January 10, 2022, Malawi had delivered 1.84 million doses of vaccine out of the 3.12 million doses it has received so far.1 Many doses in country have rapidly approaching expiration dates, and if they do not get to people fast, they risk expiring on the shelves. To make sure the 1.26 million doses left go to the people who need them most, we must invest more in communication, engagement, and delivery. The $37M granted by the World Bank over the past year is sufficient for covering only 8% of Malawi’s total population. What is more, as the highly contagious Omicron variant spreads worldwide, it is even more critical that more people are vaccinated now. We cannot assume that the Government of Malawi and its current health system can do it alone.
The government and other health actors in Malawi are working tirelessly to vaccinate people, while facing multiple health crises. The health system is building on a base of committed (if overstretched) health workers, an openness to community feedback, and a long expertise of delivering The government is coordinating closely with many actors to reduce gender gaps, get vaccines to the last mile, and keep existing health services open. Nonetheless, the Ministry of Health is under-resourced, and operating in a global system where the vaccine supply that arrives may be close to expiring. For example, doses of the Astra-Zeneca vaccine had to be destroyed in the spring, after arriving in Malawi with only two and a half weeks left before their expiration date.
More investment is needed. To take just one example, the national government has been able to provide one van per district to support mobile vaccination sites, to get vaccines to the last mile. Mobile vaccinations are the most effective way to serve people who live far away from health centers and do not have access to easy forms of transportation. That means that in Ntcheu, one van is expected to serve a target population of 214,929 people living over 3,424 square kilometers. One van cannot serve those people fast enough to make sure vaccines get where they need to in time, especially when an inconsistent and unpredictable vaccine supply could have doses expiring at any time. Read More...
As of January 10, 2022, Malawi had delivered 1.84 million doses of vaccine out of the 3.12 million doses it has received so far.1 Many doses in country have rapidly approaching expiration dates, and if they do not get to people fast, they risk expiring on the shelves. To make sure the 1.26 million doses left go to the people who need them most, we must invest more in communication, engagement, and delivery. The $37M granted by the World Bank over the past year is sufficient for covering only 8% of Malawi’s total population. What is more, as the highly contagious Omicron variant spreads worldwide, it is even more critical that more people are vaccinated now. We cannot assume that the Government of Malawi and its current health system can do it alone.
The government and other health actors in Malawi are working tirelessly to vaccinate people, while facing multiple health crises. The health system is building on a base of committed (if overstretched) health workers, an openness to community feedback, and a long expertise of delivering The government is coordinating closely with many actors to reduce gender gaps, get vaccines to the last mile, and keep existing health services open. Nonetheless, the Ministry of Health is under-resourced, and operating in a global system where the vaccine supply that arrives may be close to expiring. For example, doses of the Astra-Zeneca vaccine had to be destroyed in the spring, after arriving in Malawi with only two and a half weeks left before their expiration date.
More investment is needed. To take just one example, the national government has been able to provide one van per district to support mobile vaccination sites, to get vaccines to the last mile. Mobile vaccinations are the most effective way to serve people who live far away from health centers and do not have access to easy forms of transportation. That means that in Ntcheu, one van is expected to serve a target population of 214,929 people living over 3,424 square kilometers. One van cannot serve those people fast enough to make sure vaccines get where they need to in time, especially when an inconsistent and unpredictable vaccine supply could have doses expiring at any time. Read More...
Ombona Baseline
Selon les TDR, à la fin du mandat de cet etude:
• le Projet Ombona serait capable d’apprécier la situation qui prévaut dans les huit communes en ce qui concerne l’accès des ménages, notamment des plus vulnérables et des femmes aux services des banques par le biais du mobile banking et de l’inclusion financière.
• les indicateurs d’amélioration de condition de vie des femmes à travers la prise de décision financière au niveau de ménage affiner les stratégies de mise en oeuvre et choisir l’approche la plus appropriée.
Read More...
• le Projet Ombona serait capable d’apprécier la situation qui prévaut dans les huit communes en ce qui concerne l’accès des ménages, notamment des plus vulnérables et des femmes aux services des banques par le biais du mobile banking et de l’inclusion financière.
• les indicateurs d’amélioration de condition de vie des femmes à travers la prise de décision financière au niveau de ménage affiner les stratégies de mise en oeuvre et choisir l’approche la plus appropriée.
Read More...
Journey for the Advancement of Transparency, Representation, and Accountability (JATRA)
This 39 page report highlights the final evaluation findings from the Journey for Advancement for Transparency, Representation and Accountability (JATRA) project, which aimed to strengthen participatory governance processes in the public finance management systems of 15 Union Parishads in Nilphamari and Gaibandha districts of Northwest Bangladesh so that they are more transparent and accountable. This project was funded through the Global Partnership for Social Accountability (GPSA), established by the World Bank. Read More...
RAPPORT D’EVALUATION FINALE DU PROJET OMBONA DANS LE DISTRICT DE VATOMANDRY
Financé par la Société Générale et mis en œuvre par CARE International à Madagascar, le projet OMBONA est un projet pilote qui a pour but de « contribuer à l’ancrage des associations villageoises d’épargne et de crédit dans le paysage financier de Madagascar pour un accès des plus vulnérables aux services des banques par le biais du mobile banking et de l’inclusion financière , et ainsi contribuer à la réduction de la pauvreté dans la zone d’intervention ». Il s’inscrit donc dans le cadre de la mise en œuvre de la Stratégie Nationale de la Finance Inclusive de Madagascar 2013-2017 et de croissance économique inclusive dans le PND.
La présente évaluation finale a pour but de collecter les informations pertinentes et indispensables et de connaitre la situation finale par rapport aux indicateurs du projet sur l’influence de l’inclusion financière sur la réduction de la pauvreté, et donc sur les conditions de vie des ménages dans les 8 communes du district de Vatomandry, afin de mesurer les changements induits tout au long de la mise en œuvre du projet. L’étude servira également à déterminer les indicateurs d’amélioration des conditions de vie des femmes à travers la prise de décision financière au niveau du ménage. Read More...
La présente évaluation finale a pour but de collecter les informations pertinentes et indispensables et de connaitre la situation finale par rapport aux indicateurs du projet sur l’influence de l’inclusion financière sur la réduction de la pauvreté, et donc sur les conditions de vie des ménages dans les 8 communes du district de Vatomandry, afin de mesurer les changements induits tout au long de la mise en œuvre du projet. L’étude servira également à déterminer les indicateurs d’amélioration des conditions de vie des femmes à travers la prise de décision financière au niveau du ménage. Read More...