Food and Nutrition Security

How Can Approaches that Achieve Gender Equality Help Advance all the SDGs: Impact Evaluations Evidence from CARE Programs

Approaches that achieve gender equality, that move beyond the individual level to address greater interpersonal, socio-cultural, and community factors that influence gender attitudes and behaviors, have been shown by rigorous impact evaluations to be impactful in promoting gender-equitable attitudes (e.g., SASA! Program in Uganda), reducing gender-based violence (e.g., Stepping Stones and Creating Futures program in South Africa), and decreasing social acceptance of intimate partner violence (e.g., RESPECT program in Tanzania).
Key Findings Summary:
What are the Impacts of Approaches that Achieve Gender Equality?
• Empowerment of women and girls: 8 out of 8 programs have positive impacts on increasing women’s and girls’ self-efficacy, mobility, sexual and reproductive agency, egalitarian gender attitudes, and economic situations; 5 out of 8 programs have positive impacts on reducing early marriage rates and intimate partner violence (IPV), and increasing women’s intrahousehold decision-making power; 6 out of 8 programs have positive impacts on changing community traditional gender norms and increasing women’s community leadership.
• Increased impact on other SDGs, such as poverty reduction (SDG 1), food security (SDG 2), health (SDG 2), education (SDG 4), access to clean water and sanitation (SDG 6), decent work (SDG 8), and reduced inequalities (SDG 10).
How Did These Changes Happen?
• Village Savings and Loan Associations (VSLAs).
• Active engagement of men and boys, community members and leaders.
• Couples’ curriculum and gender dialogues.
• Community-level social norms intervention: Social analysis and action (SAA)
• Life skills and financial management training. Read More...

Ella Alimenta Al Mundo Linea de Base/Baseline She Feeds the World Colombia

El proyecto Ella Alimenta al Mundo busca facilitar las condiciones para que mujeres productoras estén empoderadas y cuenten con medios de vida más seguros y resilientes para la seguridad alimentaria y nutricional de ellas y su comunidad. Tiene como objetivo fortalecer el papel de las mujeres productoras a pequeña escala en cadenas de valor seleccionadas y mejorar los vínculos con los actores del mercado, incluida potencialmente la cadena de suministro de PepsiCo, para garantizar ingresos sostenibles y estables.
El presente documento corresponde al estudio de línea base que presenta los resultados en relación con la situación inicial y el contexto que viven las familias participantes del proyecto en los municipios de Pasto, Ipiales, Pupiales y Gualmatán del departamento de Nariño.
El análisis se orienta a dar a conocer las condiciones actuales con relación al empoderamiento económico de las mujeres, inclusión financiera, cadenas de valor inclusivas, procesos de comercialización justos y procesos productivos sostenibles, desarrollo de resiliencia y desarrollo de las asociaciones. De igual manera enfatiza en conocer las necesidades de capacitación en agricultura adaptativa, vinculación con el mercado, gestión financiera, prácticas de nutrición; de tal manera que sea posible fortalecer capacidades de la comunidad, especialmente mujeres para crear recursos propios y mejorar los vínculos con otros actores del mercado.
Brinda un análisis desde el enfoque de género que parte de la comprensión de cómo las relaciones de género influyen en todos los aspectos de una comunidad, tanto en el ámbito productivo como social. La distribución de tareas de las mujeres y de los hombres de un grupo social específico permiten comprender la dinámica de las relaciones de género, el apoyo mutuo, el intercambio, las cargas de trabajo con relación a otras labores, como son las tareas de cuidado y sostenimiento de la vida en el hogar.
La recolección, sistematización y análisis de la información fue realizada por el equipo consultor Tierra que Anda entre los meses de septiembre a noviembre de 2023.
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Impact Case Study and Documentation of the Tea, Herbs and Spices Farmer’s Situation and Experiences in the Phase I of Her Money, Her Life Project Implementation

CARE International's two-year Her Money, Her Life (HMHL) project (2021-2023), funded by Bloomberg Philanthropies, aims to empower and economically uplift women farmers in Tanzania's tea sub-sector. In collaboration with Kazi Yetu Limited and key industry partners, the project targets 150,000 individuals, including 30,000 tea smallholder farmers (80% women). HMHL project builds on CARE's Agri Fund model with aim of investing in women to increase independence and economic opportunities to boost quality, quantity and diversification in Tanzania’s tea sub-sector. The impact study, conducted by Solveris Consulting Limited in November 2023, assesses the project's outcomes across seven districts in four regions, offering valuable insights into its effectiveness.
carried out by Kazi Yetu, funded by the project's grant. This ROI is expected to be more than doubled (188%) in 2025. The partnership between Kazi Yetu and stakeholders
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significantly impacts the specialty tea sector, showcasing rapid grant recovery/factory’s investment rate of return within 2.5 years. The project fosters economic viability and tangible benefits for farmers, contributing to positive transformation in livelihoods. Kazi Yetu's project interventions, highlighted by the SSTC demonstration factory, bring substantial and lasting benefits to farmers. Premium prices for green leaf tea sales, employment opportunities, and transformative training initiatives have significantly increased income for women tea farmers. The project's emphasis on value addition, including a solar dryer in Bumbuli, enhances product quality and market opportunities. Diversification into tea, herbs and spices production and commissions from bulk orthodox tea sales further contribute to income streams. The project's impact extends nationally, shaping the tea strategy and promoting specialty tea. The success of SSTC has catalysed national interest, leading to scaling efforts and increased global recognition for Tanzanian tea, enhancing market opportunities. Effectiveness of Village Savings and Loan Associations (VSLAs) on Collective Investment: VSLAs demonstrate a significant 30% increase in women's involvement from 46% during baseline to 60% now, indicating successful interventions that contribute to economic resilience and social cohesion. Regional variations underscore localized impacts. Additionally, the study reveals that the majority of respondents (87%) comprising 89% females and 84% males reported their VSLAs engaging in collective investments using mobilised savings. This level of collective engagement in collective investments through VSLAs is approximately double the baseline figure (47%). The investments take various forms, including small businesses, transportation equipment, and livestock husbandry. Further evidence suggests that collective investments have enhanced VSLAs' capital, improved members' access to loans, and overall increased income through dividends from collective investments. Read More...

The First 1000 Days, Phase III in Sekong and Phongsaly Provinces

The First 1000 Days Project Phase III focuses on improving maternal and child mortality, improving health outcomes for women, adolescents, and children in the first 1,000 days of the life of children in Sekong and Phongsaly Provinces as well as to support poor and vulnerable households in remote, rural areas to facilitate access to and improve the quality of nutrition-related health services for mothers and children and improve food and nutrition security for community members. The project also integrates adolescent sexual reproductive health, women’s economic empowerment, responses to gender based violence, and stakeholder engagement in health.
This report examines the health, nutrition, and economic empowerment of women, adolescents, and children in Phongsaly and Sekong provinces of Laos. The baseline assessment aimed to understand the current situation and identify areas where interventions could have the greatest impact. Data was collected through a combination of surveys, focus group discussions, key informant interview with key stakeholders and interviews with mother of CU5, adolescent (age 15-19), men, healthcare providers, and community leaders.
The results showed that despite high antenatal care (ANC) utilization rates in both Phongsaly and Sekong, there remains room for improvement in overall healthcare delivery, particularly around childbirth. Home births remain common, highlighting the need for increased access to skilled birth attendants at health facilities and mobile outreach services. Sekong lags behind Phongsaly in skilled birth attendance rates.
Another area requiring attention is postnatal care. While attendance is satisfactory, there's potential to improve these services. Additionally, a concerning practice of some women lying over fire after childbirth needs to be addressed due to potential health risks.
Regarding family planning, awareness and usage vary significantly between the two provinces, with Phongsaly showing higher rates. Sekong especially needs increased access to family planning services, while both provinces could benefit from addressing confidentiality concerns surrounding these services, particularly in Phongsaly.
Food and nutrition security presents a significant challenge, as nutrition indicators showed poor nutritional status of children. Stunting rates among children under five are high, particularly in Sekong. Both provinces struggle with low dietary diversity, lacking adequate consumption of fruits, vegetables, legumes, and animal source proteins. While breastfeeding practices show positive trends in early initiation and colostrum feeding, there remains poor long-term rates of exclusive breastfeed. Sekong has lower rates of early initiation and exclusive breastfeeding duration compared to Phongsaly, and even in Phongsaly, many mothers wean before the recommended 6 months. Read More...

Systems-Level Change in Niger: Women and Girls Are Better Off Today Than in 1991

Few development programs have a decades-long lifespan and impact. CARE’s Mata Masu Dubara model (MMD) has been rolled out since 1991, championing women's leadership and economic empowerment in Niger. Originally conceived as savings and credit groups, the model has evolved over the years to address women’s groups demands to have better access to public health services, improve nutrition, receive technical training and participate in civic and electoral processes, among others.

In 2023, CARE initiated a ground-breaking systems evaluation of MMD groups in Niger to explore the actual influence the groups have on women’s and girl’s voice, leadership, economic autonomy and climate justice, published in a May 2023 report. A complementary mixed-methods evaluation conducted from July to December 2023 explores the influence of MMD on women and girls’ maternal health, early and forced marriage, education and nutrition, in partnership with the Government of Niger.

Using CARE’s pathways of systems-level change, combined with qualitative and quantitative data, the study explored four dimensions of change for each one of the topics mentioned above: 1. Advocacy to influence policies and programs; 2. Changes in social norms; 3. Supporting social movements; 4. Strengthening systems and social responsibility. Today, CARE Niger serves 33,795 groups with 865,000 women and girl members. In Maradi, Zinder, Dosso and Tahoua 1,378 women and men answered a survey; 314 women and men participated in focus group discussions and individual interviews.

Are women and girls of Niger better off in 2023 than they were in 1991? Yes. While the review noted progress made towards more gender equity for girls’ education, access and use of sexual and reproductive health services and more attention paid to the welfare of pregnant and breastfeeding women, early and forced marriage still persists. Leveraging the power of MMD groups and other trusted community leaders (teachers, principals, MMD female leaders, religious leaders) to design interventions to curb early marriage would yield tremendous benefits. Indeed, early marriage robs girls of 9% of their future income.

Through MMD, women of Niger have found their voice, been elected to parliament in record numbers (over 30% in 2021), and participate in local decision making processes as town councilors and local representatives. Acting both at the program, local level and the national, influencing one, CARE, its partners and networks of MMD groups will continue to create a better, safer, more prosperous environment for Nigerien girls. (86 pages) Read More...

Endline Report: Maman Lumière III Project Project / Etude Endline: Projet Maman Lumière III

In response to the major findings and to help achieve the objectives of the State's Economic and Social Development Plan (PDES°), CARE in Niger has negotiated the third phase of the "Projet Maman Lumière III" project, whose interventions aim to break the cycle of malnutrition, particularly in contexts of recurring crises. Financed in January 2020 by the Ministry of Foreign Affairs of the Kingdom of Luxembourg for a period of 48 months, the objective assigned to this project is to contribute to a substantial and sustainable reduction in malnutrition among children under 2 and women aged 15-49 in poor households in the Zinder region by December 2023. At the end of four years of project implementation, and in accordance with contractual requirements with the donor, a final evaluation is carried out to assess the performance, quality of activities carried out, results and sustainability of the project.

The methodology used for this study is based on a sample survey with two (2) sampling levels. It targets children under 5 and their mothers. In addition to quantitative data, focus groups were held to gather qualitative data from communities and groups. In all, 412 households were surveyed in 21 villages by 3 teams.
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Pour faire face à des constats majeurs et contribuer ainsi à l’atteinte des objectifs du Plan de Développement Economique et Social de l’Etat(PDES°), CARE au Niger a négocié la troisième phase du projet « Projet Maman Lumière III » dont les interventions visent à briser le cycle de la malnutrition, en particulier dans des contextes de crises récurrentes. Financé en janvier 2020 par le Ministère des Affaires Etrangères du Royaume de Luxembourg pour une durée de 48 mois, l’objectif assigné à ce projet est de contribuer à une réduction substantielle et durable de la malnutrition des enfants de moins de 2 ans et des femmes 15-49 ans des ménages pauvres de la région de Zinder d’ici décembre 2023. En effet à l’issue de quatre ans de mise en œuvre du projet et conforment aux exigences contractuelles avec le bailleur une évaluation finale est conduite pour apprécier la performance, la qualité des activités réalisées, les résultats et la durabilité du projet.

Ainsi la méthodologie utilisée pour cette étude est basée sur une enquête par sondage à deux (2) degrés d’échantillonnage. Elle cible les enfants de moins de 5 ans et leurs mères. Au-delà des données quantitatives, des focus groupes ont été animés pour recueillir de données qualitatives auprès des communautés et groupements. Au total, 412 ménages ont été enquêtés dans 21 villages par 3 équipes.
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Strengthening Productive Safety Net Program (PSNP) Institutions and Resilience II (SPIR II) Gender Analysis

Ethiopia’s current estimated population is around 123 million; out of which, approximately 50% are women, and 41% are under the age of 15 (The World Bank). Despite Government's efforts to close the gender gap, women and girls still do not have the same opportunities as men and boys. For instance, in Ethiopia girls and women aged 10 and above spend about 19.3% of their time on unpaid care and domestic work in comparison to only 6.6% spent by men (UN Women). This situation limits their ability to enter and remain in the labor force, which in turn hinders economic growth and development.

World Vision (WV), CARE Ethiopia, IFPRI, and ORDA Ethiopia are jointly implementing Strengthening Productive Safety Net Program (PSNP) Institutions and Resilience II (SPIR II) – a five- year program funded by the USAID. SPIR II's goal is aligned with the Government of Ethiopia’s Productive Safety Net Program 5 (PSNP 5), that aims to address the pervasive issues of food and nutrition insecurity in Ethiopia’s Amhara, Oromia, and Tigray regions. SPIR II targets 531,788 PSNP clients in nine, eight and fours woredas in the Amhara, Oromia and Tigray, respectively.

In March 2023, SPIR II conducted a Gender Analysis (GA) to identify gender and social inequalities that could negatively affect the achievement of SPIR II project objectives and to ensure that the design and interventions to increase women’s empowerment, equity for women, men, boys and girls, and other vulnerable groups (including the elderly, PWDs1, IDPs2) do not exacerbate existing power or abusive gender relations. SPIR II was not implementing in Tigray at that time, so the results generated are from Amhara and Oromia only. Read More...

Evaluation du Projet: Appui à l’Adaptation au changement Climatique et à Sécurité Alimentaire (PAACCSA/YANAYI)

Le Projet « Appui à l’Adaptation au changement Climatique et Sécurité Alimentaire (PAACCSA/YANAYI) » est une intervention de l’ONG CARE dans la région de Zinder sur une durée de 60 mois. Il a concerné 21 villages des communes de Gafati (Département de Mirriah), Albarkaram (Département de Damagaram Takaya) et Dakoussa (Département de Takeita) en raison de 7 villages par commune.
Le coût total du Projet est de 450 000 EURO, soit 295 180 650 FCFA.
Le Projet a trois (03) composantes à savoir : Appui à l’amélioration des stratégies, pratiques et techniques agro-sylvo-pastorales pour une adaptation réussie, Appui à l’amélioration de la planification et à l’adaptation à base communautaire (ABC) et Renforcement des capacités locales en matière de Gestion des Ressources Naturelles (GRN).
Pour évaluer le Projet, la méthodologie est le tirage aléatoire sur les producteurs, les membres des groupements et les services déconcentrés.
Après avoir obtenu la taille de l’échantillon des producteurs, elle a été repartie par localité et par sexe. Quant aux nombres des personnes à enquêter pour la collecte des données qualitatives, le nombre a été décidé lors de la réunion préparatoire mais le tirage des enquêtés était aléatoire.
S’agissant des données qualitatives, la taille de l’échantillon a été déterminée au cours de la réunion préparatoire avec l’équipe de CARE en charge de l’évaluation du Projet. Read More...

IPC & Rapid Gender Analysis Pilot – Somalia: Gender, Food Insecurity & Drought

Acute food insecurity (AFI) in Somalia has deepened amidst a prolonged humanitarian crisis that is further amplified by the climate crisis, conflict, disease outbreaks, and the ripple effect of government instability. The interconnection between gender equality and food security on the local, national, and global level is well established; wider gaps in gender inequality in the public and private sphere heighten the likelihood of food insecurity within a country.1 Yet most global data sets on food insecurity are not disaggregated by sex. Primarily, gender-disaggregated approaches have been applied most consistently regarding indicators related to women’s reproductive role – such as anemia in women of childbearing age – and overlook key questions around women’s access to resources, safety,mobility,andparticipation. Thesespheresbroadenthelensofdatatoprovideamoreholistic understanding of the experience of food insecurity, and most importantly, can inform strategic responses that target the needs of the most vulnerable. Thus, this objective Rapid Gender Analysis (RGA) is to strengthen and operationalize mixed methodologies that integrate gender analysis into global food security measurement systems, such as the Integrated Food Security and Nutrition Phase Classification (IPC), to account for the differential vulnerabilities of men and women and provide concrete and actionable recommendations that inform both the process of data collection and the implementation of more effective humanitarian programming. This study was conducted from February 25 to March 11, 2023 and focused on four districts in Somalia, each situated within two distinct pastoralist Livelihood Zones.

The Integrated Food Security and Nutrition Phase Classification (IPC) serves as a pivotal analytical instrument, guiding decision-makers in understanding the magnitude and extent of both acute and chronic food insecurity as well as acute malnutrition.2 This assessment, which aligns with international standards, demonstrates a shortfall in the absence of consistently incorporating gender- disaggregated data and analysis, an aspect that is crucial for fostering a more inclusive approach to addressing food and nutrition insecurities globally. The IPC analytical approach comprises of data from governments, UN agencies, NGOs, and other stakeholders that have applied the most rigorous and technical methodologies aligned with the IPC Technical Manual 3.1.3 Recognizing the profound impact of gender dynamics on the escalating global acute food and nutrition crises, CARE implemented an adapted strategy that combined both quantitative and qualitative instruments and disaggregated by sex as well as individual and household level data. This pilot study engaged 1,708 respondents, encompassing both women and men, and incorporated quantitative surveys and qualitative data gathering techniques such as key informant interviews, focus group discussions, and individual stories. This synergistic fusion of methods illuminated the complex and diverse experiences of men and women, as well as the underlying themes associated with acute food insecurity in the specified two Livelihood Zones (LZs) and the subsequent four districts. The quantitative component incorporated IPC-approved indicators such as the Food Insecurity Experience Scale (FIES), the Household Hunger Scale (HHS), and the reduced Coping Strategies Index (rCSI), complemented by the WFP's adapted Gender Equality for Food Security (GE4FS) questions. Meanwhile, the qualitative analysis primarily utilized CARE's proven Rapid Gender Analysis (RGA) toolkit. Triangulation across quantitative and qualitative data sources underscores the importance of mixed method approaches and enables a more comprehensive understanding of the impacts of the prolonged drought on men and women and the development of more targeted programming that meets the needs of the most vulnerable crisis-affected populations.

Gender inequalities are both a cause of and the result of the differentiated experiences of acute food insecurity. Gender norms and dynamics impact men and women’s social, economic, and political participation, as well as their access to resources and services. When shocks hit, they can both reinforce and exacerbate existing barriers and discriminatory practices and/or create new opportunities and pathways for resilience, adaptation, and recovery. This report notes multiple shifts in gender dynamics that have occurred since the start of the drought that have shaped the capacity of men and women to participate in the drought response and recovery.

Structural inequalities in Somalia are based on the patriarchal clan-based system that is the foundation of social systems. Numerous indicators demonstrate how - from an early age - women are socially positioned to face risks and barriers that significantly reduced their agency in accessing opportunities, participating in household and community decision making and improving living conditions. Simultaneously, men’s roles towards their family defined by customary law and clan systems has been challenged due to the loss of livelihoods that has created increased vulnerability in accessing food and asserting their traditional roles.

The study explores nuanced gender disparities in acute food insecurity experiences within these LZs, highlighting the vulnerabilities exacerbated by the recent drought. The following highlight key findings:

• Gender Disparities in Acute Food Insecurity: There were distinct gender-based discrepancies, particularly in the Hawd LZ. In this LZ, the data indicated that men are facing a higher degree of acute food insecurity compared to women; the majority of women are grappling with conditions corresponding to IPC phase 3 (Crisis) or worse, whereas men are predominantly experiencing hardships consistent with indicative IPC phase 4 (Emergency). Conversely, in the Addun , both groups are contending with similar levels of acute food insecurity, at indicative IPC phase 4 (Emergency).
• Gender Analysis and Cultural Factors: Remarkably, the gender disparity observed in Hawd contradicts the traditional, cultural, and social norms that are prevalent in Somalia, which typically favor men. Thus, gender analysis of qualitative and secondary data provides critical nuance, with qualitative interviews indicating that men and women both generally perceive women as more vulnerable to acute food insecurity. Likewise, interviewees surfaced trends and cultural factors that may have influenced how men and women experienced or perceived acute food insecurity, such as customary eating habits, khat consumption, and humanitarian assistance. Further study is warranted to determine to what extent these factors are shaping IPC analysis in Somalia writ large.
• Severe Acute Food Insecurity: The findings from the study confirm a dire scenario, where over 70% of the population in the surveyed LZs are facing IPC phase 3+ (Crisis) or worse conditions, as confirmed by FIES, HHS, and rCSI outcome indicators. Disturbingly, there are households and individuals within these LZs confronting even more dire acute food insecurity circumstances consistent with IPC phase 5 (Catastrophe) levels.
• Collapse of Livelihoods Impacts Gender Roles: Drought conditions and the associated collapse of core livelihood pathways due to the loss of livestock has severely impacted traditional roles. The near total collapse of pastoralist livelihoods associated with the drought has threatened men’s traditional role of “provider” and has led some men to report strong feelings of mental health distress. Women have increasingly expanded outside of their traditional roles in the home to seek income opportunities, however, disparities remain that continue to limit their decision-making power at the household and community levels.
• Health Access: Respondents frequently drew connections between the food insecurity and malnutrition situation in their area to the lack of access to basic and life-saving health services. Health services, particularly for pregnant women, were noted by many to be dire, as was the need for better access to clean water to mitigate risks of increased diseases from contaminated sources.
• Protection: Increased tensions within the household due to growing limitations around access to resources heightens risks for gender-based violence within the household, especially as the scope of women’s roles expand around income generation and increased access to humanitarian aid. Culturally accepted practices around early and forced child marriage, as a coping method, also creates added stressors for women and families. 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...

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