Women's Economic Empowerment
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...
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...
BEYOND THE LINE: Connecting Trust in Ho Chi Minh City
In the heart of District 12, Ho Chi Minh City, a remarkable journey has unfolded over the past year, of a group named Connecting Trust, consisting of women garment workers at Nobland factory. Through this process, workers came together, identified issues, collected data from their peers, analyzed it, and developed initiatives to address the challenges they were facing. This project is a testament to the power of collective action, hence, the name of the worker’s group – Connecting Trust. Milestones were achieved, including a groundbreaking dialogue with factory managers where workers courageously presented their findings and proposed solutions. Furthermore, the Family Day event, organized by the workers themselves, celebrated the bond between workers and their children, promoting not just well-being but also creating lasting memories of unity and togetherness.
It is a journey that resonates with strength, leadership, confidence, and collective voice, a testament to the transformative power of unity and empowerment. These women have embarked on a path to improve their well-being and, in doing so, have inspired us all. Their journey began in October 2022, and concludes in October 2023, but its impact will be everlasting.
The project, developed and managed by CARE International in Vietnam, funded by Lululemon and executed by the Centre for Community Empowerment (CECEM), at its core, is about amplifying the voices and building leadership of female factory workers. It is about nurturing their strength, to become stronger, more capable, and equipped to embark on new endeavors. It is about fostering leadership and collective action, motivating them to lead their own initiatives to bring about positive changes. It is about instilling confidence, enabling them to engage in dialogue with factory managers, and advocate for their rights and needs.
The stories within this photobook are about courage, resilience, and hope, told by the women workers. Each photograph tells a story of growth and empowerment, of women behind the “Made in Vietnam” clothes tag, who once were unheard; yet, are now leading the change they wish to see. This photo book serves as a tribute to their unwavering strength, their journey from vulnerability to empowerment, and their newfound capabilities to embrace change.
With profound appreciation, we acknowledge the pivotal role played by Nobland factory, where this remarkable transformation happened, and their continuous collaboration throughout the project implementation. We also extend heartfelt gratitude to Lululemon, the project donor, whose vision intensively focuses on creating a meaningful impact on worker’s well-being and support with essential resources for this long-term intervention. Lastly, to the women workers who have trusted this process and chosen to join with CARE and CECEM, your story is evidence of the extraordinary potential within us all, and together, we can create a brighter and more equitable future.
As we peruse through these pages, we invite you to witness this exceptional journey. Let it serve as a beacon of inspiration, reminding all of us that when voices unite, when leadership flourishes, when confidence soars, and when connections are strengthened, transformation is not just possible — it’s inevitable.
Read More...
It is a journey that resonates with strength, leadership, confidence, and collective voice, a testament to the transformative power of unity and empowerment. These women have embarked on a path to improve their well-being and, in doing so, have inspired us all. Their journey began in October 2022, and concludes in October 2023, but its impact will be everlasting.
The project, developed and managed by CARE International in Vietnam, funded by Lululemon and executed by the Centre for Community Empowerment (CECEM), at its core, is about amplifying the voices and building leadership of female factory workers. It is about nurturing their strength, to become stronger, more capable, and equipped to embark on new endeavors. It is about fostering leadership and collective action, motivating them to lead their own initiatives to bring about positive changes. It is about instilling confidence, enabling them to engage in dialogue with factory managers, and advocate for their rights and needs.
The stories within this photobook are about courage, resilience, and hope, told by the women workers. Each photograph tells a story of growth and empowerment, of women behind the “Made in Vietnam” clothes tag, who once were unheard; yet, are now leading the change they wish to see. This photo book serves as a tribute to their unwavering strength, their journey from vulnerability to empowerment, and their newfound capabilities to embrace change.
With profound appreciation, we acknowledge the pivotal role played by Nobland factory, where this remarkable transformation happened, and their continuous collaboration throughout the project implementation. We also extend heartfelt gratitude to Lululemon, the project donor, whose vision intensively focuses on creating a meaningful impact on worker’s well-being and support with essential resources for this long-term intervention. Lastly, to the women workers who have trusted this process and chosen to join with CARE and CECEM, your story is evidence of the extraordinary potential within us all, and together, we can create a brighter and more equitable future.
As we peruse through these pages, we invite you to witness this exceptional journey. Let it serve as a beacon of inspiration, reminding all of us that when voices unite, when leadership flourishes, when confidence soars, and when connections are strengthened, transformation is not just possible — it’s inevitable.
Read More...
Unlocking the Potential of Women-led Micro & Small Enterprises: Lessons from Pakistan, Peru, and Vietnam
Micro and small enterprises (MSEs) are the economic backbone of most economies worldwide, increasing employment and reinvesting in local communities. In emerging markets, there are 365-445 million micro, small, and medium enterprises. However, 80% of women-owned small businesses with credit needs are either unserved or underserved, representing a $1.7 trillion USD financing gap.
CARE’s Ignite program, launched in partnership with the Mastercard Center for Inclusive Growth, focused on supporting micro and small enterprises, especially those led by women, in Pakistan, Peru, and Vietnam
between 2020 and 2023.
Ignite took a market-based approach to service delivery that was sustainable and scalable by working with over 35 local partners across the three countries, 11 of which were core service delivery partners. These partnerships opened up much-needed access to financial and digital resources, while building entrepreneurs’ business capacity and networks.
Ignite set out to reach 3.9 million entrepreneurs in three years with $5.26 million USD in grant funding from Mastercard. The program exceeded initial goals, reaching more than nine million entrepreneurs, and unlocking access to $154.9 million USD in loans. More than 150,000 entrepreneurs were deeply supported with loans, critical support services, and training.
The commercial value in supporting women-led MSEs is irrefutable. Global data continues to show this and,
together with Ignite financial service provider partners, CARE has proved it. Despite this, gender bias continues to permeate throughout financial institutions the world over. CARE is calling on all financial service providers to read the proof in this report that women are better financial clients, to support the drive for 100% financial inclusion for women, and to invest in reaching this goal. Read More...
CARE’s Ignite program, launched in partnership with the Mastercard Center for Inclusive Growth, focused on supporting micro and small enterprises, especially those led by women, in Pakistan, Peru, and Vietnam
between 2020 and 2023.
Ignite took a market-based approach to service delivery that was sustainable and scalable by working with over 35 local partners across the three countries, 11 of which were core service delivery partners. These partnerships opened up much-needed access to financial and digital resources, while building entrepreneurs’ business capacity and networks.
Ignite set out to reach 3.9 million entrepreneurs in three years with $5.26 million USD in grant funding from Mastercard. The program exceeded initial goals, reaching more than nine million entrepreneurs, and unlocking access to $154.9 million USD in loans. More than 150,000 entrepreneurs were deeply supported with loans, critical support services, and training.
The commercial value in supporting women-led MSEs is irrefutable. Global data continues to show this and,
together with Ignite financial service provider partners, CARE has proved it. Despite this, gender bias continues to permeate throughout financial institutions the world over. CARE is calling on all financial service providers to read the proof in this report that women are better financial clients, to support the drive for 100% financial inclusion for women, and to invest in reaching this goal. 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...
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...
SERVE Rwanda Value Chain Analysis 1 – Agricultural value chain analysis for SERVE
As of November 2023, agriculture employs 48 percent of the total labor force in Rwanda (NISR, 2024). Within this sector, the gender gap in productivity persists, with female-man-aged farms 11.7 percent less productive that male farms. The SERVE project identified four key factors behind this productivity gap: namely; poor business practices, difficulties in accessing agricultural lending, heavy reliance on informal sector lending, and cultural and social norms preventing women and youth from entering and succeeding in the agriculture sector. Addressing these challenges, the SERVE project, aligned with the Mastercard Foundation Young Africa Works strategy, is led by CARE International in collaboration with partners such as DUHAMIC-ADRI, PFTH, AMIR, and Urwego Bank. Over five years, SERVE aims to establish a resilient, sustainable, and gender-equitable entrepreneurial environment in the agricultural sector across ten districts in Rwanda.
With a focus on fostering inclusive growth for youth-led agricultural Micro and Small Enterprises (MSEs), SERVE aims to enhance productivity, access to finance, entrepreneurship, and market linkages in selected value chains. Simultaneously, the project aims to influence policies and social norms to reduce barriers and enhance equity, particularly for female youth. Collaborating with government ministries, civil society organizations, and the private sector, SERVE leverages strategic alliances to develop tailored financial products, bridge the gendered digital divide, and connect female youth with mentors and potential buyers.
Targeting approximately 45,500 female youth, including refugees and those with disabilities, SERVE emphasizes strengthening existing employment opportunities and generating new ones within the agricultural sector for individuals aged 18 to 35. Entry points include existing Village Savings and Loans Associations (VSLAs) and Farmer Groups (FG), primarily comprising young people, as well as exploring youth cooperatives and collective agribusi-nesses outside the VSLA network.
The aim of this report is to provide a comprehensive market analysis of the targeted value chains of tomatoes, chili, green beans, and poultry, as well as four additional potential value chains. This includes evaluating the current status of gender mainstreaming, and climate adaptation and mitigation efforts across all nodes of the prioritized value chains, as well as a critical examination of existing and projected agricultural financing and environmental policies and climate adaptation plans for National Determined Contributions to be able to set a strategic transformational plan for the prioritized value chains. The report provides information on existing opportunities and constraints across the targeted value chains and about current advantages and challenges within the chosen value chains. The report recommends solutions to overcome obstacles and provide information for practical implementation strategies. Read More...
With a focus on fostering inclusive growth for youth-led agricultural Micro and Small Enterprises (MSEs), SERVE aims to enhance productivity, access to finance, entrepreneurship, and market linkages in selected value chains. Simultaneously, the project aims to influence policies and social norms to reduce barriers and enhance equity, particularly for female youth. Collaborating with government ministries, civil society organizations, and the private sector, SERVE leverages strategic alliances to develop tailored financial products, bridge the gendered digital divide, and connect female youth with mentors and potential buyers.
Targeting approximately 45,500 female youth, including refugees and those with disabilities, SERVE emphasizes strengthening existing employment opportunities and generating new ones within the agricultural sector for individuals aged 18 to 35. Entry points include existing Village Savings and Loans Associations (VSLAs) and Farmer Groups (FG), primarily comprising young people, as well as exploring youth cooperatives and collective agribusi-nesses outside the VSLA network.
The aim of this report is to provide a comprehensive market analysis of the targeted value chains of tomatoes, chili, green beans, and poultry, as well as four additional potential value chains. This includes evaluating the current status of gender mainstreaming, and climate adaptation and mitigation efforts across all nodes of the prioritized value chains, as well as a critical examination of existing and projected agricultural financing and environmental policies and climate adaptation plans for National Determined Contributions to be able to set a strategic transformational plan for the prioritized value chains. The report provides information on existing opportunities and constraints across the targeted value chains and about current advantages and challenges within the chosen value chains. The report recommends solutions to overcome obstacles and provide information for practical implementation strategies. Read More...
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...
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...
Savings and Credit Groups for Food Security and Ecosystem Sustainability in Tanzania: Endline Evaluation
The "Savings and Credit Group for Food Security and Ecosystem Sustainability (SGFSES) in Tanzania" was a CARE-WWF Alliance’s project implemented in Southern Agricultural Growth Corridor of Tanzania (SAGCOT), focusing on the Great Ruaha River region. The initiative aimed to address climate vulnerabilities, improve livelihoods, and enhance ecosystem services. Among other interventions, the project promoted sustainable production of Irish potatoes and common beans, crucial for community livelihoods, but vulnerable to climate shocks. Challenges such as water and land shortages, deforestation, and weak governance had affected productivity and adaptation options.
Implemented from June 2021 to December 2023 in Iringa and Mufindi Districts, the project targeted 21 villages. Its primary goal was to enhance the household income of 5,000 farming families, particularly empowering women, directly impacting 22,500 individuals and indirectly benefiting at least 50,000 individuals within the Great Ruaha watershed.
The project employed traditional approaches like Village Savings and Loan Associations (VSLA), Farmer Field and Business Schools (FFBS), and Community-Based Natural Resource Management (CBNRM), along with Integrated Land and Water Resource Management (ILWM) integrating income-generating and market-engagement strategies with natural resource management and sustainable agriculture practices so that both communities and ecosystems thrive.
The endline evaluation utilizing OECD criteria to assess the relevance, coherence, effectiveness, efficiency, impact, and sustainability of the project. It measured the achievements of this integrated conservation and development compared to the baseline three years earlier.
The endline evaluation found that the project surpassed its targets, reaching 7,029 households (51% female-headed) with a total of 10,961 direct beneficiaries (55% women, 34% youth) across all 21 project villages. In another words, the project impacted directly 33,739 individuals from 7,029 households. This represents 141% of the target set by the project at its beginning. Findings from FGDs and KIIs, showed that the project improved well-being of these communities by enhancing equal opportunities for men, women, and youth. The project enhanced meeting of basic needs such as food, housing, clothing, health services, and education expenses.
They participants increased productivity of staple crops like maize, common beans, sunflower, and Irish potatoes which notably contributed to reliable food sources and increased income for the communities. These crops served for both food and income. The endline survey found that the average productivity of the common bean increased from 331.3 kg acre-1 to 633 kg acre-1 which is an increase of 91% compared to the baseline. This achievement surpasses the LOP target of 30% increment by 61%. Furthermore, the average productivity of Irish potato increased from 1,435.5 kg acre-1 to 7,500 kg acre-1, which is 423% of the baseline or 393% of the LOP target of 30% increase.
The average number of months that surveyed households were able to provide sufficient food to their families was 7.4 at endline, up from 4.0 months at baseline. This is an increase of 85% from the baseline. The achievement surpasses the Life of Project goal of a 20% increase by 65%. On average, 83% of households experience adequate food provisioning during the crop-harvesting period (May to November), 42% experience hunger during the planting and crop growing season (December to April). 83% of the surveyed households report consuming three meals a day for most of the year, 86% of respondents were not worried about facing food shortages throughout the year. For those households that do not have adequate food provisions throughout the year, they tend to reduce their meals to two a day between December and April. Communities regard having two meals a day during the lean period as an improvement, as food was sometimes insufficient for one meal among some families in the past.
The endline evaluation drawn lessons learned that emerged from the data are:
- The implementation of VSLAs have helped the village land use committee, village environmental committee members and village council leaders to get into engagement with conservation activities.
- The Alliance-promoted VSLA-based AMCOS model has several benefits: in addition to attracting farmers with its core collective marketing promise, the requirement that all AMCOS members should also be VSLA members both accelerated VSLA group formation and enhances trust in leaders, a critical component of successful AMCOS.
- The planting to avocado trees, being one of potential trees for income generation and conservation of natural resources comes with a number of challenges. The first is it high water usage especially at the early stages of growth. The fruit tree have attracted large investors, who have been seen to open up large farms in forested lands. This has the risk of causing deforestation and drought in the near future, as the virgin land is turned into production land.
- The Alliance-piloted CSI model holds significant promise: Collective Investment trainings have not only supported VSLA groups in investing together but also have supported the individual members in starting their enterprises.
- VSLA members are confident to speak out on the enterprises which are destructive to environment in front of other members compared to period before the CSI training.
- VSLA members can see the benefits of individual and group investments that are made.
- Women have been in front line in undertaking collective investments activities at a group and individual level, which has resulted into family stability and reduced GBV issues as they also have something to contribute to their families. Read More...
Implemented from June 2021 to December 2023 in Iringa and Mufindi Districts, the project targeted 21 villages. Its primary goal was to enhance the household income of 5,000 farming families, particularly empowering women, directly impacting 22,500 individuals and indirectly benefiting at least 50,000 individuals within the Great Ruaha watershed.
The project employed traditional approaches like Village Savings and Loan Associations (VSLA), Farmer Field and Business Schools (FFBS), and Community-Based Natural Resource Management (CBNRM), along with Integrated Land and Water Resource Management (ILWM) integrating income-generating and market-engagement strategies with natural resource management and sustainable agriculture practices so that both communities and ecosystems thrive.
The endline evaluation utilizing OECD criteria to assess the relevance, coherence, effectiveness, efficiency, impact, and sustainability of the project. It measured the achievements of this integrated conservation and development compared to the baseline three years earlier.
The endline evaluation found that the project surpassed its targets, reaching 7,029 households (51% female-headed) with a total of 10,961 direct beneficiaries (55% women, 34% youth) across all 21 project villages. In another words, the project impacted directly 33,739 individuals from 7,029 households. This represents 141% of the target set by the project at its beginning. Findings from FGDs and KIIs, showed that the project improved well-being of these communities by enhancing equal opportunities for men, women, and youth. The project enhanced meeting of basic needs such as food, housing, clothing, health services, and education expenses.
They participants increased productivity of staple crops like maize, common beans, sunflower, and Irish potatoes which notably contributed to reliable food sources and increased income for the communities. These crops served for both food and income. The endline survey found that the average productivity of the common bean increased from 331.3 kg acre-1 to 633 kg acre-1 which is an increase of 91% compared to the baseline. This achievement surpasses the LOP target of 30% increment by 61%. Furthermore, the average productivity of Irish potato increased from 1,435.5 kg acre-1 to 7,500 kg acre-1, which is 423% of the baseline or 393% of the LOP target of 30% increase.
The average number of months that surveyed households were able to provide sufficient food to their families was 7.4 at endline, up from 4.0 months at baseline. This is an increase of 85% from the baseline. The achievement surpasses the Life of Project goal of a 20% increase by 65%. On average, 83% of households experience adequate food provisioning during the crop-harvesting period (May to November), 42% experience hunger during the planting and crop growing season (December to April). 83% of the surveyed households report consuming three meals a day for most of the year, 86% of respondents were not worried about facing food shortages throughout the year. For those households that do not have adequate food provisions throughout the year, they tend to reduce their meals to two a day between December and April. Communities regard having two meals a day during the lean period as an improvement, as food was sometimes insufficient for one meal among some families in the past.
The endline evaluation drawn lessons learned that emerged from the data are:
- The implementation of VSLAs have helped the village land use committee, village environmental committee members and village council leaders to get into engagement with conservation activities.
- The Alliance-promoted VSLA-based AMCOS model has several benefits: in addition to attracting farmers with its core collective marketing promise, the requirement that all AMCOS members should also be VSLA members both accelerated VSLA group formation and enhances trust in leaders, a critical component of successful AMCOS.
- The planting to avocado trees, being one of potential trees for income generation and conservation of natural resources comes with a number of challenges. The first is it high water usage especially at the early stages of growth. The fruit tree have attracted large investors, who have been seen to open up large farms in forested lands. This has the risk of causing deforestation and drought in the near future, as the virgin land is turned into production land.
- The Alliance-piloted CSI model holds significant promise: Collective Investment trainings have not only supported VSLA groups in investing together but also have supported the individual members in starting their enterprises.
- VSLA members are confident to speak out on the enterprises which are destructive to environment in front of other members compared to period before the CSI training.
- VSLA members can see the benefits of individual and group investments that are made.
- Women have been in front line in undertaking collective investments activities at a group and individual level, which has resulted into family stability and reduced GBV issues as they also have something to contribute to their families. Read More...
New Economic Opportunities for Returnees and Vulnerable Citizens in Southern and Eastern Serbia
This report is an external evaluation of “New economic opportunities for returnees and vulnerable citizens in southern and eastern Serbia” project, implemented by CARE International Balkans, Serbia Office and project partner organizations NEXUS from Vranje and ENECA from Niš, financed by the German Federal Ministry for Economic Cooperation and Development (BMZ); Donor Contract no. 4621. Part of matching funds have been provided by Letter-Day Saint Charities (LDS). Lead applicant of the project was CARE Deutschland e.V. Project implementation period under review was from the November 2020 to October 2023. The evaluation was carried out by the external evaluator at the end of the Project period September – October, 2023.
Overall objective of the project was to contribute to the equal, socio-economic integration of vulnerable citizens and improve the general economic living conditions in the south and east of the Republic of Serbia. The goal of the project was that vulnerable population groups in Southeast Serbia recognize opportunities for socio-economic inclusion in their home region and question emigration more critically. The project has been implemented in six districts of south and east Serbia: Pčinjski, Jablanički, Nišavski, Pirotski, Zaječarski and Borski. Target project groups includes citizens who have returned via the readmission agreement, but also local economically disadvantaged population groups that tend to emigrate to Western countries and their family members.
The purpose of the Final evaluation was to analyse the achievement of the planned results and the impact of the named project on the level of the key stakeholders and to provide findings, conclusions, and recommendations for the future programming, as well as for development of new project proposals. In order to assess the relevance, effectiveness, efficiency and sustainability of the Action the evaluation was analysed the project’s achievements after the three years of the project implementation, based on the specific objectives and results as specified in the project proposal and ToR1. The process of evaluation involved 64 participants, 54 of which are direct project beneficiaries. Evaluation was based on participatory approach since this approach can increase ownership of the program, evaluation findings, conclusions, and recommendations.
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Overall objective of the project was to contribute to the equal, socio-economic integration of vulnerable citizens and improve the general economic living conditions in the south and east of the Republic of Serbia. The goal of the project was that vulnerable population groups in Southeast Serbia recognize opportunities for socio-economic inclusion in their home region and question emigration more critically. The project has been implemented in six districts of south and east Serbia: Pčinjski, Jablanički, Nišavski, Pirotski, Zaječarski and Borski. Target project groups includes citizens who have returned via the readmission agreement, but also local economically disadvantaged population groups that tend to emigrate to Western countries and their family members.
The purpose of the Final evaluation was to analyse the achievement of the planned results and the impact of the named project on the level of the key stakeholders and to provide findings, conclusions, and recommendations for the future programming, as well as for development of new project proposals. In order to assess the relevance, effectiveness, efficiency and sustainability of the Action the evaluation was analysed the project’s achievements after the three years of the project implementation, based on the specific objectives and results as specified in the project proposal and ToR1. The process of evaluation involved 64 participants, 54 of which are direct project beneficiaries. Evaluation was based on participatory approach since this approach can increase ownership of the program, evaluation findings, conclusions, and recommendations.
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Strengthening the Economic Leadership of Rural Indigenous Women in Guatemala (Phase II)
One of CARE Guatemala's main objectives is to achieve women’s personal and economic empowerment, promoting gender equality and strengthening their access to new equitable opportunities for personal and comprehensive development through sustainable production systems, markets and inclusive and equitable public policies, which allow their participation and development as well as their families’.
Within the framework of its Food and Economic Justice for Women and Youth Program, CARE Guatemala implemented the "Strengthening the Economic Leadership of Rural Indigenous Women -Phase II" project, with funds from the Peierls Foundation, executing actions in eleven communities from the municipalities of San Lucas Tolimán and San Andrés Semetabaj, department of Sololá.
CARE Guatemala presents results from the January 1 - December 31 2023 period, in which the scope of this intervention is reported, including comprehensive actions promoting access to differentiated conditions in favor of women victims and survivors of gender-based violence and indigenous women with limited economic resources, considering that out of 161 participants, 83% are women who became aware of gender limitation conditions in their environment and later, based on their new conditions, promoted decision-making in the family and community sphere.
The project was executed combining different approaches allowing to improve living conditions of participants and their families, mainly incorporating training topics and work sessions related to i. Personal empowerment (self-esteem, leadership, autonomous decision-making); ii. Economic empowerment (economic initiatives and income generation); iii. Effective influence to comply with policies and programs in favor of women's rights, all of which contributed to improving the participants’ standard of living. The economic empowerment of women has been the main contributing factor for promoting gender equity and equality, allowing access to opportunities for comprehensive development, sustainable production systems, markets, and inclusive public policies which have promoted their participation and obtaining benefits for their economic development.
To contribute to income generation and for women’s economic autonomy, actions were carried out to establish productive units and/or value chains, which strengthened their operations, working logistics, learning digital marketing, the services they promote as a business and strengthening their organizational capabilities for economic activities. Actions implemented promoted through the example of participants, led other participating women from the communities to empower themselves personally, demanding the fulfillment of their rights and opportunities, preventing in this manner, gender-based violence in all its aspects. At the same time, the project worked with the Advocacy School application, which strengthened women's voice and leadership, based on virtual mechanisms adapted to the participants' free time. Read More...
Within the framework of its Food and Economic Justice for Women and Youth Program, CARE Guatemala implemented the "Strengthening the Economic Leadership of Rural Indigenous Women -Phase II" project, with funds from the Peierls Foundation, executing actions in eleven communities from the municipalities of San Lucas Tolimán and San Andrés Semetabaj, department of Sololá.
CARE Guatemala presents results from the January 1 - December 31 2023 period, in which the scope of this intervention is reported, including comprehensive actions promoting access to differentiated conditions in favor of women victims and survivors of gender-based violence and indigenous women with limited economic resources, considering that out of 161 participants, 83% are women who became aware of gender limitation conditions in their environment and later, based on their new conditions, promoted decision-making in the family and community sphere.
The project was executed combining different approaches allowing to improve living conditions of participants and their families, mainly incorporating training topics and work sessions related to i. Personal empowerment (self-esteem, leadership, autonomous decision-making); ii. Economic empowerment (economic initiatives and income generation); iii. Effective influence to comply with policies and programs in favor of women's rights, all of which contributed to improving the participants’ standard of living. The economic empowerment of women has been the main contributing factor for promoting gender equity and equality, allowing access to opportunities for comprehensive development, sustainable production systems, markets, and inclusive public policies which have promoted their participation and obtaining benefits for their economic development.
To contribute to income generation and for women’s economic autonomy, actions were carried out to establish productive units and/or value chains, which strengthened their operations, working logistics, learning digital marketing, the services they promote as a business and strengthening their organizational capabilities for economic activities. Actions implemented promoted through the example of participants, led other participating women from the communities to empower themselves personally, demanding the fulfillment of their rights and opportunities, preventing in this manner, gender-based violence in all its aspects. At the same time, the project worked with the Advocacy School application, which strengthened women's voice and leadership, based on virtual mechanisms adapted to the participants' free time. Read More...