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A-Card Pilot Initiative Impact Assessment

mSTAR/Bangladesh, working with the Agriculture Extension Support Activity (AESA) led by Dhaka Ahsania Mission (DAM), conducted pre- and postassessments in Faridpur district to understand the impact that a micro-credit product (called A-Card) delivered to smallholder farmers through Bank Asia’s agent banking had on participating farmers, associated ag-input retailers, and other relevant stakeholders, as well as to understand what further action can be taken to improve uptake of these services.
This report includes findings from the pre- and post-assessment surveys, beginning with farmers and retailers’ demographic information, including age, sex and education; as well as their mobile phone ownership, access and usage patterns. It also examines the knowledge and perceptions that stakeholders have of digital financial services (DFS), in addition to their perceived benefits from A-Card, associated challenges, and opportunities to scale up. In addition, this report includes some findings from a separate survey conducted solely by AESA. It concludes with recommendations based on the findings and feedback from stakeholders. [28 pages] Read More...

Rapid Gender Analysis for Dhading 2015

Introduction:
Rapid Gender Analysis provides information about the different needs, capacities, and coping strategies of men, women, girls, and boys in a crisis. Gender analysis does this by examining the relationship between men, women, girls and boys. This Rapid Gender Analysis is designed to provide an overview of the gender-relations between men, women, girls and boys in a crisis in the Dhading District.

Method:
The Rapid Gender Analysis in Dhading uses a range of methods to collect data and information. It is based on the CARE Emergency Pocketbook's Rapid Gender Analysis tool adapted from the IASC Gender Handbook in Humanitarian Action. Topics covered in this report include sexual reproductive and reproductive health, food security, gender based violence, shelter, and WASH standards. Read More...

MEN AND BOYS AS PARTNERS IN PROMOTING GENDER EQUALITY AND PREVENTION OF YOUTH EXTREMISM AND VIOLENCE IN THE BALKANS

The Men and Boys as Partners in Promoting Gender Equality and Prevention of Youth Extremism and Violence in the Balkans or the Young Men’s Initiative II (YMI II) project is a follow-up to CARE’s comprehensive and programmatic effort to fight interpersonal and gender-based violence (GBV), as well as to improve gender equality in the region and address preventative issues related to youth extremism and violence.

The Endline Assessment was carried out to contribute to a comprehensive understanding of the overall project progress, focusing on changes in knowledge, attitudes, and behaviors related to gender-based violence, gender equality, healthy lifestyles amongst young men and young women from Serbia, Bosnia and Herzegovina, Albania and Kosovo* who participated in ‘Program Y’ in target schools in the period 2018-2020. The endline assessment examined the effects of project activities on: views regarding gender relations; health of young men and women, including mental health, use of psychoactive substances; knowledge about sexual reproductive health; experience of young people who suffered and perpetrated violence. Read More...

Strengthening Approaches for Maximizing Maternal and Newborn Health (SAMMAN)

The use of the family planning method enables people to achieve their desired number of children and helps to reduce unintended and high-risk pregnancies and unsafe abortions, which contributes to saving the lives of many women. The main objective of this study is to examine the post-intervention impact on the use of family planning methods among married women of reproductive age in Nepal. Read More...

Variations in Village Savings and Loan Association (VSLA) Practices: An Assessment of Dynamics and Impacts in Zomba and Mangochi Districts – Titukulane Project

This assessment investigates variations in the practices of Village Savings and Loan Associations (VSLAs) in Zomba and Mangochi districts. While the VSLA model has been transformative in promoting financial inclusion and community empowerment in rural areas, there have been noticeable deviations from the CARE VSL methodology, commonly referred to as the standard methodology. With Titukulane's support for these VSLAs, it becomes imperative to comprehend the reasons and implications behind these changes.

The rapid assessment was instrumental in understanding the VSLA practices across selected districts. Qualitative data on the VSLA methodology variations were randomly drawn from 8 out of the 19 Traditional Authorities (TAs) where Titukulane is implementing interventions. Within this sample, the assessment encompassed diverse voices from VSLA members, Community Development Agents, Village Agents, and Titukulane staff. The research utilized a rapid assessment approach to gain a comprehensive overview of the VSLA practices in Zomba and Mangochi in a time-efficient manner. This methodology was chosen for its ability to capture immediate, relevant insights without necessitating the extended time frame typical of more intensive research methods. The rapid assessment prioritized direct interactions with participants, ensuring their experiences and perspectives were central to the data collected. This direct engagement proved invaluable, especially when exploring sensitive topics related to financial practices and internal group dynamics. Through this approach, the assessment aimed to offer a nuanced understanding of current VSLA practices and the motivations underpinning their variations. In the context of this study, variations refer to the distinct differences in approaches, outcomes, or practices observed among the groups, while deviations denote departures from the expected or standard methods prescribed by Titukulane, potentially indicating unique adaptations or challenges faced by certain groups.
Key Findings: VSLAs in both districts have adopted varied practices. Some VSLAs, for example, emphasize equal shares for every member, while others note disparities in contributions. Lending strategies, such as offering loans to non-members, also emerged, aiming to bolster financial inclusivity. However, such innovative strategies sometimes come with their own set of challenges, like difficulties in accurate record-keeping or financial strains from settling older debts using newer contributions. External influences, cultural beliefs, and regional dynamics also play key roles in these variations. Below is a complete list of the variations and deviations noted in the two districts:

• Shares and Savings: While some VSLAs continue to advocate for standardized shares per member to ensure equality, others experience disparities due to inconsistent contributions. For instance, in some groups members are allowed to purchase more than 5 shares at a time, with some purchasing up to 100 shares.
• Loan Practices: Innovative loan practices, including lending to non-members, aim to enhance financial inclusivity.
• Documentation and Record-Keeping: Challenges in maintaining accurate records are pervasive, with different approaches to record-keeping observed.
• Emergence of Digital Financing Platforms replacing cashboxes: In younger VSLA demographics, there's a rising adoption of digital financing platforms, such as Airtel Money and TNM Mpamba. However, this shift poses challenges for older members, who are less familiar with digital technologies.
• Religious and Cultural Adjustments: Deep-seated religious beliefs influence some VSLAs to refrain from charging interest.
• Influence of External Entities: VSLAs display adaptability and responsiveness to external influences, including NGOs and community initiatives.
• Group Dynamics: Many VSLAs have larger membership counts than recommended, possibly reflecting community resource pooling. Read More...

A-Card Progress and Prospects

A-card (A stands for Agriculture) is a brand new micro-credit mechanism, the only example in Bangladesh aimed at providing smallholder farmers financing to a digital purchase of farm inputs at a low cost (10%) through the formal financial system linked to a debit card and ICT-enabled platforms.

Addressing the problem of smallholder farmers' lack of access to finance required a consultation among different stakeholders particularly in finding an effective solution. It eventually led to the idea and design of the A-card model. In this regard, the USAID Agricultural Extension Support Activity (AESA) project's interventions effectively engaged with different stakeholders, including small-holder farmers, microfinance institutions (MFIs), formal lenders (i.e. banks) and rural agricultural inputs retailers. The aim of this collaboration was to work for a common goal with differentiated responsibilities. [14 pages] Read More...

Mawe Tatu Rapport Etude de Base

Cette étude évalue un programme de développement néerlandaise nommé "Mawe Tatu" (M3), qui vise à l’amélioration de la gestion économique des ménages; à la réduction de la violence basée sur le genre à travers des relations plus égales entre femmes et hommes ; et à la réalisation de comportements de santé sexuelle et reproductive plus sains dans huit territoires dans les provinces du Sud et du Nord Kivu de la RDC. Le programme Mawe Tatu combine pour la première fois une approche de micro finance pour accroître la participation des femmes dans l'économie des ménage avec des interventions favorisant l'égalité entre les sexes à travers la
réduction de la violence basée sur le genre et l'amélioration des droits de santé sexuelle et reproductive des femmes. L’étude examinera les changements dans la participation économique des femmes, la prévalence de la violence basée sur le genre, et la prise de conscience des droits sexuels et reproductifs Read More...

CARE Rapid Gender Analysis: Yemen

Rapid gender analysis provides information about the different needs, capacities and coping strategies of women, men, boys and girls in a crisis by examining the relationships between women, men, boys and girls. Due to the current security situation and limited access in Yemen this document is meant as an initial analysis of gender relations in Yemen. Nevertheless the initial gender analysis and recommendations for more gender sensitive programming should inform programming to ensure that we meet the differing needs and protect women, men, boys and girls. Read More...

Taking Care of Our Mountains

On Friday December 11, we celebrated International Mountain Day, which was designated in 2003 by the United Nations to bring attention to the vital importance of conserving mountain ecosystems and the critical environmental services they provide.
To highlight the importance of mountain ecosystems and uplift the voices of women, girls, and other marginalized groups that suffer disproportionately from their destruction, we are sharing a report that outlines some of CARE’s initiatives to protect mountains. Developed in collaboration with and under the leadership of CARE Peru, this report highlights inclusive and innovative solutions for mountain conservation by showcasing three case studies from CARE Peru, CARE Ecuador, and CARE Nepal and examples from CARE Tanzania and CARE Guatemala. [20 pages]. Read More...

The Effectiveness of Cash Assistance Integrated into Gender-Based Violence Case Management for Forced Migrants, Refugees, and Host Nationals in Norte de Santander, Colombia: A Quasi-Experimental Mixed-Methods Evaluation

As a complement to core aspects of GBV case management, preliminary evidence finds that cash and voucher assistance (CVA) may strengthen survivors’ capacities to recover from GBV and enable access to services. For example, CVA can help a GBV survivor to pay the costs associated with fleeing an abusive relationship, such as temporary accommodation and transportation, and to access legal assistance. There may also be indirect pathways in which CVA could be used by survivors and individuals at risk to reduce their exposure to GBV, such as decreasing their financial dependence on abusive partners or family members and shifting power dynamics in intimate relationships. Read More...

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