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Mastercard Impact Fund and CARE Global Partnership: Ignite Program Endline Results Report

From December 2019 through May 2023, the Ignite project, supported by the Mastercard Center for Inclusive Growth, was implemented by CARE in Vietnam, Pakistan and Peru where there are large segments of unserved micro and small enterprises ready for investment. The project was intended to increase financial security and resilience and grow the businesses of underserved micro-entrepreneurs, specifically those MSEs with between 2-10 employees, who have been in business for 2+ years. To achieve the above goal, the Ignite program envisioned a series of interventions to achieve intermediate outcomes, including improved ability to intentionally serve this segment from FSPs, business growth, financial sustainability, financial product performance, job creation and retention, financial resilience and enhanced digital literacy.
Impact level indicators include increase in household income and financial resilience. Both of the impact indicators have shown positive movements illustrating that the project has created a positive change. There are different degrees of change in different countries.
Percentage of strivers who reported an increase in household income showed impact across all three countries.
• Vietnam almost doubled the total number of households who increased income between baseline and endline (44% at baseline; 87% at endline), an increase of 43 percentage points.
• In Pakistan the number went up by 16 times (3% at baseline; 51% at endline).
• In Peru a total of 33% of the households reported an increase in their household income at the end of the project.
Percentage of strivers’ financial resilience also showed improvement.
• Vietnam recorded 43 percentage points improvement between baseline and endline (67% at baseline; 96% at endline).
• Peru showed 26 percentage points growth between baseline and endline (42% at baseline; 53% at endline).
•No comparable data for this indicator was found from Pakistan. Read More...

Final Evaluation: MACP Project – Disaster Ready Communities in Vulnerable Rural Areas of Guatemala

CARE Guatemala implemented during 2020 to 2023 the “Disaster Ready Communities in vulnerable rural areas of Guatemala MACP” project financed by the Margaret A. Cargill Philanthropies Foundation, donating US$2,300,000.00 (Two million three hundred thousand dollars) for its execution. The initiative was executed in municipalities of Joyabaj, San Bartolomé Jocotenango and Sacapulas in the Department of Quiché; Aguacatán and Chiantla in the Department of Huehuetenango and Salamá, in the Department of Baja Verapaz.

Its general objective was increased empowerment and leadership of vulnerable communities, to provide an efficient, gender-sensitive emergency response, in a context of natural disasters and health crises at the end of the project.

Specific objectives were:

a) Communities after the first year of the project implement social measures to reduce vulnerability and risks. b) Communities execute social actions together with municipal governments to address the COVID-19 pandemic.

Additionally, the project defined five results:

1. During the first year of the project, communities have a well-informed and adequately trained, inclusive, and self-organized group responsible of leading disaster preparedness. 2. Communities have greater capacities for disaster response with the respective plans and inclusive systems implemented and updated, incorporating what they learned at the end of the project. 3. Communities are connected, for a second year, with the project, to municipal governments and have access to technical and financial assistance. 4. The project contributes to increase the capacity of nearby communities and local government units in disaster preparedness. 5. Communities respond efficiently to health crises and coordinate with health services for appropriate use of the respective protocols.

The team hired for this purpose carried out a series of capacity-building activities, investment in infrastructure, providing support and technical training to leaders. The project was executed by a multidisciplinary staff and some activities were implemented by hiring temporary, external consultants with expertise on related topics.

Upon completion, CARE Guatemala requested a final evaluation. This process has allowed us to identify a series of important findings related to the project cycle. Among them, a design and execution with a high level of pertinence, coherence, relevance, efficiency/effectiveness, impact and sustainability. A process to strengthen the capabilities of the Local Coordinators for Disaster Reduction COLRED was successfully carried out in 60 communities from 6 municipalities benefited.

As an immediate result of the strengthening process, 60 COLRED have the capabilities to identify, monitor and act during emergencies caused by disasters and have higher levels of cohesion compared to the beginning of the project. They have also complied with all the steps to obtain CONRED accreditation and have prepared and received approval of its Local Response Plans. They are articulated to community and municipal processes through the Municipal Instances of

Comprehensive Disaster Risk Management IMGIRD, spaces that have different levels of development based on their management and formalization, starting as units to Municipal Directorates. This municipal space was strengthened by COMRED whose members were trained and strengthened. Participating communities received support to renovate facilities that could potentially become shelters, School Committees were trained and organizational support that will allow them to adequately manage disaster risks in the context of their educational process.

Since its formulation, the project had a solid approach and was committed to promoting equity in participation processes including women and men. However, disaggregated analysis tools and specific gender action plans were prepared after the project had begun. This caused, in part, that gender implementation suffered some limitations during activities. However, it has been satisfying to note that, despite these limitations, the women involved in the process are empowered, have an understanding, defend the importance of their participation and identify the basic actions related to community management and mobilization for disaster reduction and emergency action.

The findings documented in this report were verified by implementing a comprehensive work methodology that reviewed documents produced by the project, analyzed the activity cycle, reviewed the financial and administrative aspects of the project, as well as documents and systematizations prepared, carried out interviews with three levels of execution involved in the project (senior management, middle management and operational team), with focus group, and made field visits to execute direct observation and interviews with participants. At the end of the document, there are pertinent conclusions and recommendations. 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...

Community-led Resource Mobilization & Early Warning Systems Process Assessment: Titukulane Project

This report examines the motivation and willingness of Village Civil Protection Committees (VCPCs) and communities to mobilize resources at community level for Disaster Risk Management (DRM). To do this, a participatory action research (PAR) approach was utilized, facilitated by SWOT analyses, in combination with focus group discussions (FGDs) and key informant interviews (KIIs). The findings revealed that communities had prepositioned resources to prepare for disaster response as part of risk reduction. Participants identified their ability to mobilize themselves as a community; to mobilize funds and food; well trained and knowledgeable structures, good agricultural practices, and good governance as major strengths. Opportunities for resource mobilization included enterprise, piece work (ganyu), irrigation farming, access to safety net programs, and youth participation. Weaknesses included the disorganization of some community structures, lack of support or political will from community leaders and the government, lack of accountability from VCPC members, and reluctance to adopt improved agricultural practices. Community-based early warning systems, although available, are insufficient to provide effective risk reduction for natural disasters. There is a lack of documentation concerning indigenous early warning systems, which impedes the development of effective and contextual strategies for risk reduction. The recommendations include increasing awareness among traditional leaders, defining resource mobilization structures, documenting guidelines and transactions for transparency, investing in early warning infrastructure and capacity building, documenting indigenous early warning signs, and intensifying watershed restoration and conservation to increase disaster preparedness. Read More...

Baseline Survey for Supporting and Enhancing Resilient and Viable Employment Opportunities (SERVE) Project

The Supporting and Enhancing Resilient and Viable Employment Opportunities (SERVE) project seeks to ensure a resilient, sustainable, gender equitable and inclusive entrepreneurial environment that increases dignified and fulfilling work opportunities for predominantly female youth (PFY) in agricultural value chains in ten districts namely Rulindo and Gakenke in Northern Province; Kayonza, Rwamagana, Ngoma, and Kirehe in Eastern Province; Nyamagabe, and Huye in Southern Province; and Nyabihu and Rubavu in Western Province by 2027.

CARE Rwanda commissioned a baseline survey whose objective was to carry out a complementary survey among the total population of 14,569 targeted Individuals/ MSEs profiled at the start of the baseline and set baseline values along which the project will be assessed.

The survey adopted a mixed methods methodology and employed quantitative and qualitative methods of data collection which included: Literature Review, 374 Household Surveys of Micro and Small Enterprises (MSEs) owners, twelve (12) Key Informant Interviews (KIIs) with officials of implementing partner organisations and fifteen (15) Focus Group Discussions (FGDs) with MSE owners in the ten districts. Read More...

Alimentación no tiene límites: Mejorando la seguridad alimentaria de los hogares venezolanos en Perú: Reporte encuestas de satisfacción

Objetivo general:
Conocer el nivel de satisfacción de los participantes del servicio del componente Cash Transfer y sesiones de nutrición en las regiones de Lima, Tumbes, La Libertad y Piura.

Objetivos específicos:
• Recoger la percepción de los participantes del componente Cash Transfer y nutrición respecto al servicio de las transferencias en efectivo y sesiones educativas de nutrición en La Libertad, Tumbes, Piura y Lima.
• Recopilar información sobre la atención brindada durante la entrega de tarjetas y seguimiento realizado por el personal de World Vision y Care en La Libertad, Tumbes, Piura y Lima.

La aplicación de encuestas de satisfacción se realizan en periodos bimensuales. La presente encuesta se aplicó en junio a un total de 432 participantes que fueron registrados en el mes de abril y mayo. El 36.34% (157) de las encuestas fueron aplicadas por llamada telefónica y el 63.66% (275) fueron aplicadas de manera presencial en Lima, Tumbes, La Libertad y Piura a participantes registrados por World Vision y Care Perú. Las encuestas presenciales se aplicaron durante el segundo momento o tercer momento de sesiones educativas de nutrición y las encuestas aplicadas mediante llamada telefónica se dirigieron a participantes que han recibido su tarjeta y que han asistido a su segundo y tercer momento de entrega.

Se contó con encuestadores en las regiones de Piura, La Libertad, Tumbes y Lima, quienes coordinaron con el equipo MEAL y los facilitadores en cada región para la aplicación según el protocolo designado. Read More...

Integrated Health, WASH and FSL Assistance to Conflict-affected, Displaced, and Vulnerable Households in Amran governorate, Yemen

CARE Yemen has completed implementing CDCS-supported “Integrated Health, WASH and FSL Assistance to conflict-affected, displaced and vulnerable households in Amran governorate, Yemen”. The purpose of this program is to improve health, WASH, food security, livelihoods, and wellbeing for IDPs and vulnerable host communities in Amran Governorate in Yemen.

To set benchmark values for the outcome level indicators and to measure the success of the project in achieving its goals and objectives, a baseline and endline surveys was conducted in the project’s operational targeted areas. The endline survey was conducted with samples of targeted beneficiary households living in Raydah district of Amran Governorate in August 2023. The survey mainly used quantitative methodology (i.e., household survey) to collect pertinent data.

Here are the key survey outcomes:
1. Coping Strategy Index: The average CSI score for the surveyed HHs 9.96 (male: 10.03, female: 9.85), which is indicating that participants are relatively experiencing significant resilience and recovering from using negative food coping strategies.
Food Consumption Score: The average FCS for the targeted HHs is 54.65 (male: 54.81, female: 54.41). In addition, 89.93% are in acceptable food consumption.

2. Household Dietary Diversity Score: The average HDDS for the targeted household is 6.7 which indicated that surveyed HHs is somehow adequate dietary diversity. This denotes a good medium quality of diet whereby households consume an average of around 7 food groups out of the recommended twelve food groups.

3. HHS (Household Hunger Scale): The analysis of the endline data shows that only 2.16% of households faced moderate hunger; whereas 0.0% of households faced severe hunger during the survey time.

4. Access to safe water: about 74.3% of interviewees (male: 78.6%, female: 64.3%) mentioned to have access to safe water from protected water sources such as piped water system and protected wells.

5. Time taken to collect water: Majority of respondents 91.4% replied that the water is “Available inside the house” from the primary source which have been rehabilitated by CARE.

6. Practice of water treatment: 84.3% of respondents (male: 89.8%, female: 71.4%) mentioned treating water before drinking mainly using respectively the techniques of boiling, treated from pipeline, filters, Aqua-tabs, and Chlorine.

7. Availability of household latrines: The majority 98.6% of respondents (male: 98.0%, female: 100.0%) mentioned that they do have household latrines.

8. Practice of handwashing: approximately 87.9% of respondents (male: 86.7%, female: 90.5%) wash their hands at least three out of five critical times of hand washing.
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WASH lifesaving assistance and protection services to the conflict affected IDPs and host communities in selected districts of Taiz governorate of Yemen

CARE Yemen is currently implementing ‘WASH lifesaving assistance and protection services to the conflict affected IDPs and host communities in selected districts of Taiz governorate of Yemen.

The principal objective of the project is ‘Rural and urban communities affected by the ongoing conflict and disaster have received life-saving assistance (for immediate needs) and improved foundation to their sustainable livelihood and resilience whereas the specific objective of the project is ‘Targeted IDP and host community households have improved access to comprehensive WASH and Protection services strengthening their resilience.

The project’s key results are:
• Result (1) Conflict affected households have enhanced access to safe water and improved hygiene practices through comprehensive WASH assistance.
• Result (2) Improved access of the most at-risk women, men, girls and boys to critical information and specialized protection services for their protection.

In order to measure the success of the project in achieving its goals and objectives, a baseline survey was conducted 396 households’ visits in Al Mudhaffar, AlQahirah, Salh and Al Maafer Districts of Taiz Governorate, this endline report can provide a critical reference point for assessing changes and impact, as it establishes a basis for comparing the situation before and after an intervention.
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Evaluation finale du projet: Résilience et Cohésion Sociale des communautés transfrontalières du Liptako – Gourma (Burkina Faso, Mali, Niger)

Le projet « Résilience et Cohésion Sociale des communautés transfrontalières du Liptako-Gourma (RECOLG) au Burkina Faso, Mali et Niger », a pour objectif global « Améliorer les conditions de vie, la résilience à l’insécurité alimentaire et nutritionnelle et face aux conflits et la cohésion sociale des populations vulnérables dans 13 communes de Liptako-Gourma dont 5 au Burkina Faso, 3 au Mali et 5 au Niger. Sa mise en œuvre est assurée par un consortium composé de huit organisations nationales et internationales dont Save the Children (lead), CARE, DRC, CRUS, AREN, RBM, Tassaght et Karkara, pour une durée de 48 mois et couvre la période décembre 2019 à décembre 2023.

En fin de mise en œuvre, le dispositif de suivi-évaluation-apprentissage du projet a prévu une évaluation finale (endline), axée sur le suivi des indicateurs basée sur le cadre de mesure de performance du projet sur les quatre années d’intervention du projet afin de générer des évidences permettant de comprendre dans quelle mesure les stratégies, approches et actions mises en œuvre ont contribué ou pas à l’obtention des effets attendus et inattendus à la lumière des éléments de contexte de la zone d’intervention des trois pays.

Pour mener à bien cette évaluation finale (endline), le cabinet Ingénierie Internationale en Décentralisation et Développement local (2ID) a adopté une démarche méthodologique participative en quatre phases : (i) la phase préparatoire qui a consisté d’abord à l’élaboration du rapport de démarrage (échantillonnage, outils de collecte de données et chronogramme), ensuite à la prise en compte des feedbacks et la validation du rapport de démarrage à travers des échanges par mail. En fin une réunion de cadrage de la mission s’est tenue le 25 octobre 2023 en présentiel dans les locaux de 2ID pour repréciser les attentes du commanditaire et prendre en compte les besoins du cabinet notamment la documentation et l’établissement d’une lettre d’accréditation pour l’équipe de collecte de données sur le terrain ; (ii) la phase de collecte de données sur le terrain, faite de quatre (4) principales étapes : la mobilisation des ressources humaines, la formation des enquêteurs, la collecte des données et la supervision de la collecte des données ; (iii) la phase de traitement et analyse des données collectées et (iv) la phase de rapportage et restitution.
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Proyecto Máxima Perú: Rompiendo barreras, construyendo negocios

El proyecto “Máxima: Rompiendo barreras, construyendo negocios”, es desarrollado con el apoyo de Fundación Citi y tiene como objetivo que las poblaciones refugiada y migrante venezolana, quechua hablante, amazónica y afroperuana (así como migrantes de estos tres grupos) de zonas rurales y periurbanas de Lima, Ica, Huancavelica, San Martín y otras regiones del Perú, tomen mejores decisiones financieras para optimizar sus emprendimientos y economía familiar, considerando las barreras de género y culturales. Además, busca formar y/o fortalecer liderazgos en habilidades digitales, habilidades blandas e igualdad de género.

El proyecto Máxima tiene 2 componentes:
- Programa de capacitación en educación financiera y empresarial en español y en quechua para fortalecimiento de las competencias financieras.
- Acceso a información sobre productos financieros (ahorro, crédito, seguros, billeteras digitales) a través de campañas informativas de Inclusión Financiera en español y en quechua.

A través de estas acciones, el proyecto Máxima tuvo como meta atender a 3,500 personas con diferentes perfiles emprendedores: ideas de negocio, nuevo negocio y negocios en crecimiento. Al menos el 75% serían mujeres. Read More...

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