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(Journal Article) Building resilience to crisis through digital financial services with a gender lens
01.03.2022
The vulnerability of populations with limited resources and either in or at risk of poverty to a myriad of crises continues to increase. The ongoing COVID-19 pandemic has further highlighted the inadequate resilience to crisis that such populations hold, and the rising prevalence of climatic variation is an existential risk factor that will continue to rise. In Mozambique, most livelihoods depend on natural resources and there is a high threat of extreme climate-related events. By drawing lessons from the Financial Services Deepening Mozambique (FSDMoç) programme, we highlight ways in which greater resilience has been built among fragile populations through innovative uses of digital financial services (DFS), and how resilience has been built with an explicit gender lens in order to mitigate existing inequalities. Lessons are drawn in relation to challenges faced and their application to wider programming. -
(Journal Article) Fostering smallholder investment and innovation through inclusive financial services
01.03.2020
This article provides a framework, with supporting examples, for addressing finance for smallholder investment for innovation. Smallholder households function in interconnected ‘systems’ radiating outwards from the household unit: livelihoods, agricultural market systems, community and society, and infrastructure and policy. An inclusive livelihoods model analyses what would need to be true for uptake of innovations by women, men, and youth, and what financial and non-financial products are needed. ‘Customer centric’ integrated value chain financing solutions are tailored to smallholder market segments along eight pathways for growth. A roadmap for facilitating innovation and change using priority pathways, yet grounded in proven financial and development principles, is recommended. Tools and approaches include: value chain facilitation and capacity development – aggregation, market linkages, and private–public partnerships; financial tools – transaction-based financing, flexible products, and risk mitigators; and innovations in service delivery – digital and ICT applications. -
(Journal Article) Sustainability and long-term impact of community-managed water supply in rural Kyrgyzstan, Central Asia
01.01.2022
How can Community Managed Water Supply (CMWS) become more sustainable? Recent studies in several countries indicate that the sustainability of many CMWS is poor. As a result, their long term impact on village lives is limited. This paper presents the findings of research on the sustainability and long-term impact of a group of CMWS created by the Rural Water Supply and Sanitation Project (RWSSP) in Kyrgyzstan, Central Asia. This project adopted a Community-Based Approach to maximize the sustainability and long-term impact of its CMWS. The research assessed the sustainability of these CMWS a decade after their completion. It used six measures to assess sustainability and examined four long-term impacts. The results are compared with studies from other countries. The influence of Community-Based Approach (CBA) on the results is discussed. Recommendations are made for changes in policies and strategies to improve the sustainability and long term impact of future CMWS in Central Asia and elsewhere. -
(Journal Article) Improving the food security of the extremely poor by linking them to markets
01.03.2015
This article draws lessons from ACDI/VOCA, CARE, and World Vision-implemented food security programmes to answer three questions: how can push/pull activities better integrate the extremely poor into 1) output and 2) input markets? And 3) how can push/pull programme activities help improve intra-household gender dynamics and financial decision-making to improve the food and nutrition security of household members? In output markets the lessons include: 1) that market development and savings group interventions can be implemented by the same officer; and 2) projects should move early to have a private sector provider take over the village savings and loan associations. While there are constraints in the input markets, there are also push strategies for increasing production, including direct delivery of inputs to farmers, vouchers to increase demand, and Farmer Business Group development to increase collective input buying and pull strategies such as linkages with buyers for the selling of products and tapering down subsidies. Intrahousehold gender equitable decision-making can positively impact the food security of the household members. Mixed gender Village Economic and Social Associations are efficient in tackling intra-household decision-making. This allows the provision of flexible and efficient financial services as well as an opportunity to engage husbands and wives in gender-related dialogues. -
(Journal Article) What is cocoa sustainability? Mapping stakeholders’ socio-economic, environmental, and commercial constellations of priorities
01.09.2017
Given growing concerns regarding the chocolate sector’s long-term future, more private-sector, public-sector, and civil-society stakeholders have become involved in initiatives seeking to make cocoa more ‘sustainable’. However, the commercial, socio-economic, and environmental priorities they associate with the omnipresent, yet polysemic term diverge considerably: while transforming the crop into a more viable livelihood for growers is essential for some, others prioritize the crop’s links to global environmental challenges through agroforestry. A third dimension encompasses commercial concerns related to securing supply. The article explores how tensions and synergies manifest in these divergent understandings of what cocoa sustainability is and is to entail, which diverse civil-society, public-sector, and private-sector stakeholders bring to the table. It argues that priorities associated with ‘cocoa sustainability’ diverge, yielding synergies, tensions, and trade-offs. This article draws on the author’s in-depth doctoral fieldwork in cocoa sustainability initiatives incorporating environmental measures, which encompassed semi-structured interviews, focus-group discussions, documentary analysis, and participant observation in Latin America and Europe. It proposes the ‘constellations of priorities’ model as an instrument to capture how the priorities driving cocoa stakeholders variously dovetail, intersect, and collide. Particularly against the backdrop of the sector’s brewing crisis, the paper suggests that stakeholders systematically assess their and other actors’ socio-economic, environmental, and commercial priorities as part of the equitable engagement required to transform the sector and attain genuine cocoa sustainability. -
(Journal Article) Options for addressing poor quality drinking water in rural Vanuatu
01.10.2021
Consumption of poor quality water can cause diarrhoea and waterborne disease. To determine how to support residents to consume safe water, the Vanuatu Department of Water Resources (DoWR) undertook an analysis. The analysis included reviewing 793 water quality test results, exploring treatment options with WASH sector stakeholders, surveying 689 community members in three provinces, demonstrating products to 510 people in 22 communities, and interviewing key informants. Analysis of water quality results compiled by DoWR between 2000 and mid-2019 found that Escherichia coli was detected in 60% of samples tested and total coliforms were detected in 84% of samples. Overall, 62% of individuals surveyed stated that water is in some way a daily problem. Discussion facilitators reported that most individuals had not seen or heard of water treatment options beyond boiling and most who boiled admitted they do so only occasionally. Of the water treatment options explored in this research, household water filtration systems seemed the most viable approach. However, individuals underestimated the market cost of filters and indicated a willingness to pay that is half the market price. Of the different filtration systems demonstrated, consumers stated a preference for easy-to-use units with large and transparent water storage containers. -
(Journal Article) Identification of the potential opportunities, barriers, and threats within the sector in taking up sanitation as a business: rural sanitation in Nkhata Bay District (Malawi)
01.07.2014
Private sector participation in sanitation marketing provides a great opportunity to improve rural sanitation access. Although a number of opportunities for private sector participation within the sanitation sector exist, there are numerous barriers and threats to taking up sanitation as a business. This Note from the Field identifies these opportunities, barriers, and threats in Nkhata Bay District, a rural area of Malawi. These insights emerge from a wider research project entitled ‘Private sector participation in the delivery of sanitation and hygiene services’. This note provides background information on the research project on private sector participation and the project location. It goes on to describe the data collection process and present two examples of business activities in the district sanitation sector, before listing the opportunities, barriers, and threats identified and the recommendations that emerge from them. -
(Journal Article) Adolescent schoolgirls' experiences of menstrual cups and pads in rural western Kenya: a qualitative study
01.01.2015
Poor menstrual hygiene management (MHM) among schoolgirls in low income countries affects girls' dignity, self-esteem, and schooling. Hygienic, effective, and sustainable menstrual products are required. A randomized controlled feasibility study was conducted among 14-16-year-old girls, in 30 primary schools in rural western Kenya, to examine acceptability, use, and safety of menstrual cups or sanitary pads. Focus group discussions (FGDs) were conducted to evaluate girls' perceptions and experiences six months after product introduction. Narratives from 10 girls' and 6 parents’ FGDs were analysed thematically. Comparison, fear, and confidence were emergent themes. Initial use of cups was slow. Once comfortable, girls using cups or pads reported being free of embarrassing leakage, odour, and dislodged items compared with girls using traditional materials. School absenteeism and impaired concentration were only reported by girls using traditional materials. Girls using cups preferred them to pads. Advantages of cups and pads over traditional items provide optimism for MHM programmes -
(Journal Article) Beyond ‘functionality’ of handpump-supplied rural water services in developing countries
01.01.2016
Many rural point-water sources in developing countries consist of wells or boreholes equipped with handpumps. Various estimates have been made of the functionality of such water points, and functionality is now routinely monitored in national and local surveys of service performance. We argue, however, that a single binary (functional/non-functional) indicator is crude and insufficient to provide much information about service sustainability. We set out a categorization of functionality which includes three sub-categories of functional water points and five non-functional sub-categories, with well/handpump water points in mind. We use a simple model to demonstrate that reduction of high rates of early post-construction abandonment and reduction of total downtimes would greatly improve service performance. We show that functionality levels for multi-age populations of wells or boreholes equipped with handpumps would not normally be expected to exceed about 85 per cent. We recommend going beyond functionality monitoring via the collection of quantitative data on rates of abandonment, frequency and duration of breakdown, combined with descriptive narratives of actions to manage and repair water points, in order to generate more nuanced understanding of service performance. -
(Journal Article) At the nexus of investment and development: lessons from a 60-year experiment in SME impact investing
01.12.2014
Mennonite Economic Development Associates (MEDA) was launched as an investment club in 1953 when a group of North American Mennonite business people joined together to support the development of communities in Paraguay, Uruguay, and Argentina. With their business background, this group of early ‘impact investors’ determined that they would provide loans to small to medium enterprises (SME) in order to catalyse sustainable economic growth. They offered the loans as high-risk venture capital and mitigated the risks with the provision of business coaching and technical assistance. Since those early days, MEDA and the SME investment fund managers which it has co-founded (Microvest and Sarona Asset Management) have continued to make impactful investments and to work towards a common development goal, ‘to help people help themselves’ (Fretz, 1978 : 19). This paper presents a case study of the 60-year ‘MEDA experiment’, (Fretz, 1978), describes specific activities and innovations, and identifies MEDA's learnings that have emerged from this SME investment experience. -
(Journal Article) Value chain development with the extremely poor: evidence and lessons from CARE, Save the Children, and World Vision
01.03.2017
CARE, Save the Children, and World Vision are combining value chain development (VCD) with gender and nutrition programming to alleviate poverty and food insecurity among the extremely poor. We explore what is unique about VCD with the extremely poor and how specific levers enhance productivity and profitability, equity, and empowerment. We offer evidence to date and lessons learned. -
(Journal Article) New approaches to MSME lending: challenging traditional credit assessment models in electronic cash-flow environments
01.09.2014
Micro, small, and medium-sized enterprises (MSMEs) play a critical role in economic growth and wage employment in both developed and developing economies, yet significant obstacles remain in unlocking the potential of these businesses - especially as regards access to credit. A confluence of three new market trends is reshaping longstanding efforts to overcome this dilemma: 1) increasing access to real-time, 'electronically verifiable' cash-flows; 2) the mining of cash-flow data to reveal insights into repayment likelihood beyond that discoverable in traditional credit analysis; and 3) the adoption of financial technology and certain principles of microfinance lending - most specifically uncollateralized lending and frequent incremental repayment - to meet the funding needs of MSMEs. This paper explores the interrelationship of these trends and contends that, together, they enable suitably empowered financial institutions to originate and manage short-term, unsecured loans to formal MSMEs on a profitable and scalable basis. -
(Journal Article) The role of handpump corrosion in the contamination and failure of rural water supplies
01.01.2016
There has been much discussion over many years regarding the origin of elevated iron concentrations in rural water supplies in sub-Saharan Africa and Asia. High iron concentrations are often assumed to be naturally occurring in groundwater, despite several studies over the last 30 years which also point to the role of handpump corrosion in aggressive groundwater. Handpump standards specify that galvanized iron pump materials should not be used in groundwater due to the risk of corrosion, yet this advice is not always followed. High iron concentrations, whether naturally occurring, or present as a result of corrosion, have an impact on taste, odour, and appearance of water and can promote the growth of unpleasant iron metabolizing bacteria. These effects often result in the abandonment of boreholes, sometimes only a year old, and a return to unprotected and unsafe water sources. Where boreholes are not abandoned, the effects of corrosion can cause pump materials to degrade to the point where the pump becomes inoperable. These outcomes are clearly inconsistent with the provision of sustainable water supply services as a fundamental human right. This paper provides a synthesis of work undertaken in this area over the last 30 years and recent practical experience of WaterAid in investigating these problems in water supplies in north-eastern Uganda. -
(Journal Article) Crossfire: Can effective programming approaches to lift people over the poverty line focus on market systems alone?
01.03.2022
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(Book) What Works for Africa's Poorest Children
David Lawson, Diego Angemi, Ibrahim Kasirye
While there has been substantial progress in reducing global poverty in recent years, hundreds of millions of vulnerable children remain trapped in extreme poverty. This is especially the case on the African continent, where children account for the majority and growing proportion of the population....
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(Book) Political Dynamics of Transnational Agrarian Movements
Marc Edelman, Saturnino M. Borras, Jr.
Transnational agrarian movements (TAMs) are organizations, networks, coalitions and solidarity linkages of farmers, peasants, pastoralists and their allies that cross national boundaries and seek to influence national and global policies. Today’s TAMs have contributed to reframing a wide range of de...
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(Journal Article) Return to learn: recommendations from revisited rural ecosan projects in Burkina Faso
01.01.2020
Burkina Faso has extensive experience with urine-diverting dry toilets (UDDTs) and the reuse of human excreta in agriculture in line with the ecological sanitation (ecosan) principles of containment, treatment, and reuse. Around 30 such ecosan projects have been implemented over the past 15 years, including installation of approximately 13,500 household UDDTs, accompanied by awareness-building and training on toilet use, emptying, and reuse. Recently, efforts have been made to revisit former and current project sites in the spirit of ‘return to learn’. We identified four such learning initiatives (studies/events), from which we draw recommendations to improve the sustainability of future implementation of ecosan in Burkina Faso and similar contexts. Key recommendations include increased attention to different user needs, handwashing and training on emptying/reuse as well as research and innovation on toilet design, urine collection/handling, menstrual management, and cost reduction/financing. Burkina Faso has set up the ambitious goal of 100 per cent toilet coverage and optimal reuse in the national sanitation programme by 2030, with UDDTs projected to make up 15 per cent of the 2 million toilets needed in rural areas. It is therefore timely to take stock and learn from past interventions. In addition, to enable resource recovery and reuse at scale, it will be important to develop a supportive policy and legal framework with collaboration between the WASH, agriculture, health, and environmental sectors. -
(Journal Article) Menstrual hygiene management and reproductive tract infections: a comparison between rural and urban India
01.04.2019
The objective of the research was to compare factors associated with menstrual hygiene management (MHM) between urban and rural ever-married women in India, and its effect on reproductive tract infections (RTIs). A cross-sectional study was performed analysing data from the Indian District Level Household and Facility Survey 2007–08 (DLHS-3). The respondents were ever-married women between 15 and 49 years of age (N = 577,768). A quarter of women from urban areas use improved methods compared with only 4.3 per cent in rural areas. Cloth had the highest prevalence of usage in both areas. Socio-demographic factors associated with the usage of improved methods were almost the same between localities. Women using improved methods were less likely to suffer from RTIs across localities, except for urinary tract infections (UTIs) in rural areas; UTIs (adjusted odds ratio (AOR) = 0.95 – 1.03 in rural areas and AOR = 0.80 – 0.88 in urban areas). Findings reiterate the complexity of MHM and the need for immediate attention from the government and other agencies to ensure that girls and women have hygienic practices during their menstrual periods which will help prevent RTIs related to poor MHM. -
(Journal Article) Impact assessment of commodity standards: towards inclusive value chains
01.03.2017
Voluntary commodity standards are widely used to enhance the performance of tropical agro-food chains and to support the welfare and sustainability of smallholder farmers. Different methods and approaches are used to assess the effectiveness and impact of these certification schemes at farm-household, village, cooperative, and regional level. We provide an overview of the results from robust impact studies on coffee, tea, banana, cocoa, and cotton certification programmes. Overall outcomes show rather modest net revenue effects for farmers, small direct income effect for wage workers, and contested sustainability effects. Most impact studies focus on primary sourcing, but devote less attention to changes in trust and governance throughout the value chain. Moreover, implications for gender issues and supply chain trust are not always fully addressed. In order to better understand these somewhat disappointing effects, we discuss different fallacies and drawbacks that affect impact studies concerning commodity certification programmes. Main attention is given to perverse incentives for intensification and specialization that arise from certification. Moreover, spillovers to other (non-certified) farmers and spatial externalities at landscape level may reduce net effects. Important secondary effects related to behavioural change (risk, trust) and local innovation dynamics are usually overlooked. Current practices in value chain development programmes should focus increasingly on dynamic effects of upgrading and improved market integration. New interactive impact assessment approaches (gaming, multi-agency simulation) that address integrated value chain relationships offer promising perspectives for real-time and systematic analysis of alternatives for smallholder value chain inclusion beyond certification. -
(Journal Article) Boosting financial inclusion through social assistance reform: evidence-based approach in selecting a payment system
01.12.2020
Digitizing social assistance for the poor has been proven to increase financial inclusion. The Indonesian Government initiated reform for non-cash social assistance disbursement in 2016. Evidence-based policy approach is an effective technique for informing the government on appropriate new regulations. A pilot project involving 4,295 participants was conducted to evaluate the following payment systems: debit card, mobile money, QR code (quick response), and NFC (near field communication). Beneficiaries utilized the funds for cash withdrawals and food purchases at bank agents. Quantitative and qualitative methods were employed in the analysis. The government decided to use debit card with multiple wallet features. A new regulation was made to support the implementation in 2017, and by the end of 2019, the government provided more than 12 million new savings accounts to the poor. Potential future improvements are proposed for the sustainability of the solution, which include a disbursement providers’ revenue model, broader financial services involvement, bank agents’ inventory system, and optimizing the latest innovations.