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(Journal Article) Lessons for African microfinance providers and regulators in the aftermath of COVID-19
01.09.2022
This paper is concerned with microfinance in Africa post Covid-19, a crisis from which the continent is still recovering while new crises such as climate change challenges emerge. The resilience of the microfinance sector to crises must not only address operational weaknesses revealed by the pandemic, but also exploit the post-crisis potential to build resilience in areas such as digitalization and smallholder agriculture. New rules and regulations should target microfinance providers (MFPs) and enable them to quickly comply with new rules and those normally in force. This paper calls for the inclusion of all forms of MFPs, allowing for customized applications of policies and regulations. Moreover, measures for regulators include re-defining post-COVID-19 target groups, enhancing liquidity and MFP risk-based management, ensuring sustainability and best practices, activating prompt monitoring of the sector, and ensuring a consultative and coordinated culture. Measures for MFPs include increased micro-saving, avoiding subsidies, unlocking the full potential of smallholder farmers, a strong movement towards inclusive digital finance, product development, and partial movement towards crises-resistant, non-interest types of lending in countries with Muslim minorities. -
(Journal Article) Digital and financial inclusion: the classic case of Stree Nidhi
01.09.2022
Microfinance has already shown that enabling the poor to empower themselves economically can be a good business. (Pierre Omidyar, Founder of Ebay, 2005, Mongabay News (2005)) -
(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. -
(Journal Article) Sustainable management of water utility in Samoa through services improvement with Okinawa Water Bureaus
01.04.2022
This study examines how Samoa improved the capacity of Samoa Water Authority (SWA) by implementing integrated cooperation with water utilities in Okinawa Prefecture, and hardware and software development to reduce the high non-revenue water (NRW) ratio and improve water supply quality and inadequate water pressure. Standard operation procedures were formulated to enhance the capacity of SWA. The cooperation method adopted continuous on-the-job training with a bottom-up approach. Consequently, the NRW ratio was reduced from 68 per cent to 36 per cent and water supply with proper pressure was achieved in the targeted area. The quality of the tap water, in which many coliform bacteria were detected before the cooperation, achieved 100 per cent compliance with standards. The cooperation evidenced that improving water services can help users’ understanding of tariff payments, although the water tariff increased for most consumers due to a shift from fixed to metered tariff. -
(Journal Article) Dimensions of water insecurity in pastoralist households in Kenya
01.01.2020
Pastoralist communities in Northern Kenya face increasing water security risks attributable to disruptions in their socio-ecological environments. Sedentarized pastoralists, women, and children are most vulnerable to spatial-temporal variations in water availability. This vulnerability is exacerbated by embedded power relations within existing socio-cultural and water governance systems. A preliminary study carried out in 2016 examined pastoralist women’s disempowerment in relation to the domestic water security constraints they face. The research found anecdotal evidence that women with diversified livelihoods and social capital are more resilient to water stress. The follow-on study was carried out in 2018 and aimed to provide empirical evidence on factors behind water security and to identify factors that enhance resilience for vulnerable pastoralist communities. The study covered both urban and rural communities in Samburu County and applied a mixed-methods research methodology incorporating quantitative and qualitative research approaches. The study was also used to test a scale for measuring household water insecurity which could potentially improve the methodology for assessing shock-related stress in these high-risk communities. Results show extreme levels of water insecurity, especially in rural areas, and indicate a close relationship between water security and social capital as indicated in the earlier study. Livelihood diversity does not appear to influence water security but households with higher numbers of livestock tend to be more water insecure than households with smaller herds. This is supported by reports from women that the additional burden of watering homestead-based livestock makes them more vulnerable. -
(Journal Article) Value chain development in Nicaragua: prevailing approaches and tools used for design and implementation
01.03.2017
This article draws on four contrasting cases of value chain development (VCD) in Nicaragua to assess approaches and tools used in design and implementation. We interviewed 28 representatives from the international NGOs leading the interventions, the local NGOs that participated in implementation, principal buyers, and cooperatives. Despite the complexity of market systems, results showed a relatively basic approach to VCD, reflected in: 1) reliance on a single tool for design and implementation; 2) expected outcomes based on technical assistance and training for smallholders and cooperatives; 3) local NGOs and cooperatives with key roles in implementation; and 4) limited engagement with other chain actors, service providers, and researchers. We conclude with a call for a broader approach to VCD, based on a combination of tools to account for multiple, context-specific needs of diverse stakeholders, deeper collaboration between key actors within and outside the value chain, and evidence-based reflection and learning. -
(Journal Article) Women’s economic empowerment and COVID-19: the case of vulnerable women with intersectional identities in Indonesia and Vietnam
01.06.2021
In recent decades, ASEAN has seen significant progress in gender equality and women’s empowerment. However, advances have not been even and vulnerable women with a range of intersectional identities have not benefited to the same extent as more privileged women or their male counterparts. Moreover, despite ASEAN’s much-lauded success in COVID-19 prevention and containment, the economic gains that had been achieved for women and girls are rapidly losing ground. Disruptions in the tourism sector, labour migration, and international trade have had a devastating economic impact on vulnerable populations, while innovations and new implementation approaches have provided some relief for low-income communities. This paper describes the COVID-19 economic fallout for women homeworkers and labour migrants engaged in informal jobs in Indonesia and low-income ethnic minority women in agriculture and tourism sectors in north-west Vietnam. It discusses early experiences and learning on pivoting projects, funded by the Government of Australia, to be COVID-19 responsive and contribute to longer-term recovery. -
(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) Unravelling context: a formative photovoice study of Indian youth perspectives of sanitation and hygiene practices
01.01.2021
Water, sanitation, and hygiene are issues of substantial public health importance. Community-based participatory research approaches such as photovoice can help explore and identify determinants that influence sanitation and hygiene-related behaviours. This study aimed to use photovoice as part of the formative research process to increase understanding of youth’s perceptions of the cultural and contextual factors that influence sanitation and hygiene-related behaviours in Thirumalaikodi, India. First, a school was recruited using convenience sampling; next, 10 participants were purposively selected to participate in an information meeting, seven photo discussion sessions, and one wrap-up session over a three-week period. In each photo discussion session, participant groups selected one ‘trigger’ photograph, and through a structured discussion using SHOWED mnemonic questions (a series of questions that ask participants to describe and reflect upon a chosen photograph), generated a new understanding of issues related to water, sanitation, and hygiene. All sessions were audio-recorded and transcribed verbatim. Conventional content analysis was used to analyse photo discussion session text. Findings revealed that factors such as social structure, education, and culture influence behaviours that determine the sanitary conditions of an individual’s private and public spaces. Furthermore, participants described how descriptive norms generated practices (e.g. littering) that were reinforced and maintained by limited access to waste management systems, attitudinal indifference, and generational beliefs. Findings yielded an in-depth understanding of youth’s perceptions of the cultural and contextual factors that influence sanitation and hygiene-related behaviours. This study also contributes to the advancement of participatory applications in formative research and intervention adaptation processes. -
(Journal Article) Nuggets from an old book: A Practical Handbook of Water Supply by F. Dixey (1931)
01.01.2017
Frank Dixey’s A Practical Handbook of Water Supply, published in 1931 is briefly reviewed. The text is correlated with current knowledge and experience. It is evident from the book that some of the present challenges in the water supply sector have been around for a long time which leads to the conclusion that effecting a change takes time. Development agencies therefore need to set realistic targets and time frames. Some of the rather old texts should be consulted and reviewed periodically as they may contain very useful information. -
(Journal Article) Strengthening market systems that provide water and hygiene items for cholera mitigation and emergency preparedness in Haiti
01.10.2018
In the context of the cholera epidemics in Haiti, a pre-crisis market analysis (PCMA) was conducted in Artibonite to study the supply of and demand for various water- and hygiene-related items. The objective was to inform current and future assistance modalities, whilst avoiding a negative impact on local markets and supporting local businesses. The market analysis found that the majority of households already purchase soap from local traders, but very few have handwashing facilities in their home. A good uptake of chlorine-based disinfection products was observed, including specific products to treat water for drinking. In addition, an extensive local supply of calcium hypochlorite (HTH), traditionally used by water services operators, was found to be available to individuals on Haitian markets. The market for water containers was also found to be strong, with the recycling of buckets and jerry cans used to import vegetable oil and other products. However, buckets with a tap, which are recommended for safer water handling and distributed during emergencies, were not available in the market. The findings from the PCMA are being used to strengthen market systems and supply chains to enable households to access water and hygiene commodities in Artibonite rather than to provide in-kind commodities directly as part of humanitarian responses. A marketing scheme was successfully piloted to encourage the purchase of water treatment products while promoting the installation of taps on households’ buckets. But another initiative to link water committees, national authorities and the wholesaler of HTH stalled due to disagreements about the role of authorities in supplying the product. -
(Journal Article) Formal microsaving: A PRISMA-compliant systematic review of its exogenous determinants
01.09.2022
This paper reviews the determinants of formal microsaving (FMS), while also X-raying literature-documented conceptual sub-elements/sub-constructs of formal microsaving development (FMSD). This is with the intention to sensitize stakeholders as to what works for FMS and what doesn’t. The paper also offers an overview of the state of research in this academic sub-domain, with suggestions/guides for related future research agenda. Analysis of 301 articles was undertaken using PRISMA. The paper’s analysis affirms that the identified determinants were varied, using only a limited set of empirical methodologies. The geographical focus of most of the relevant studies were on Asia/Africa, with other regions largely ignored. The paper presents a novel review of the determinants of FMS. Also, the identified deconstructed sub-elements of FMSD could further sensitize researchers of its hitherto unknown multidimensional nature. Consequently, this could enhance the expansion of relevant empirical/theoretical knowledge with the additional possibility of initiating/influencing relevant global policy regeneration towards microsaving development. -
(Journal Article) Sustaining school hand washing and water treatment programmes: Lessons learned and to be learned
01.10.2011
In Nyanza Province, Kenya, a sustainability evaluation of 55 pilot primary schools 2.5 years after the implementation of the Safe Water System (SWS) intervention revealed that programme activities were not successfully sustained in any of the schools visited. The most common criterion met was drinking water provision. We identified six enabling environment domains: financial capacity; accountability; technical feasibility and availability; community support; school leadership and management; and student engagement. While these domains pertain to the sustaining of the SWS activities in schools, they are likely to be applicable in creating an enabling environment and serve as proxy indicators for other school water, sanitation, and hygiene initiatives as well. -
(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) Potential for indigenous communication systems to improve financial literacy: evidence from Nigeria
01.06.2021
The low level of education and lack of electricity hinder dissemination of financial literacy information in rural communities. To address this problem, this study investigated the roles of the indigenous communication system in closing the gaps in dissemination of financial literacy information among Nigerian rural farmers. It was found that the use of indigenous language in formal financial service literacy campaigns has a significant association with dissemination of formal financial service literacy information to rural farmers. Second, contrary to our earlier expectations, no significant association was found between community leaders and the dissemination of formal financial service literacy information to rural farmers. Third, town-criers’ participation in formal financial service literacy campaigns has a positive significant impact on the dissemination of formal financial service literacy information to rural farmers. The researchers conclude that financial authorities should encourage indigenous language and town-criers in the dissemination of financial literacy information to rural famers. -
(Journal Article) Empowerment in action: savings groups improving community water, sanitation, and hygiene services
01.03.2015
With 748 million people worldwide lacking adequate water, sanitation, and hygiene (WASH) services (WHO/UNICEF, 2014), increased access to these services is a significant global challenge. Savings groups (SGs) combined with social empowerment strategies can be used to engage communities meaningfully in addressing development challenges such as access to clean water and a functioning latrine. As participants in PCI's SG initiative entitled Women Empowered (WE), women have independently identified WASH needs in their communities and have organized and carried out collective actions to improve their situation. This paper highlights results from a qualitative study in which PCI looked at SGs within two international development programmes in urban and rural Guatemala. The paper explores key opportunities in implementing an integrated, social and economic empowerment strategy and how changes in self-efficacy and leadership can lead to positive community impact. PCI found that participation by women in rural and urban Women Empowered SGs contributes to increased decision-making abilities and leadership, as well as increases in collaborative, collective actions at the community-level. Moreover, when one integrates SGs as a component of larger, multi-intervention development programmes, one can create a facilitative environment which encourages SGs to participate as active development partners rather than passive development recipients. -
(Journal Article) Urinary incontinence in children aged 5 to 12 in an emergency setting: lessons learned in Ethiopia
01.07.2021
This scoping study aimed to be the first to explore the number of children aged 5 to 12 in an emergency setting (Tukaley village, Ethiopia) wetting themselves, and demand for support to manage self-wetting in the home. A survey asked 524 children about their latrine behaviours; and 312 adult caregivers about the latrine behaviours of the children aged 5 to 12 they care for. Few adult caregivers (1 per cent) indicated that children were self-wetting during the day and/or night, and only one child indicated self-wetting (during the day). Yet the survey revealed demand from adult caregivers for household items typically used to manage involuntary self-wetting. This could suggest self-wetting is occurring, but there is a reluctance to disclose it. Given the impact of self-wetting on the lives of children and their adult caregivers, it would be unethical for it not to be considered when developing emergency programmes across sectors including the water, sanitation, and hygiene sector. With further research and modifications to the survey, it could provide greater clarity on the number of children self-wetting and the scale of demand for support to inform emergency programme design. -
(Journal Article) The use of fintech in microfinance: the fight against poverty globally and in Egypt
01.06.2022
Microfinance has long been seen as a remedy for global poverty, although it has had mixed success, as the literature demonstrates. While poverty remains, with the introduction of digital technology and the relaxation, in many areas, of the regulations controlling banking following the financial crisis of 2008, innovations in the financial services sector, known as fintech, could have a significant impact. This article examines the research literature on the topic and provides a case study from Egypt before making recommendations on policy change, and how fintech and microfinance might develop if they are to have an impact on poverty both globally and within Egypt. -
(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) Freshwater lens assessment of karst island water resources: towards an interdisciplinary protocol
01.04.2022
Fresh groundwater lenses on karstic oceanic islands form a vital resource sustaining local populations. However, this resource is susceptible to saltwater intrusion through human drivers (over-abstraction) and natural processes (variable precipitation and storm surges). There is a paucity of means to assess the risks that freshwater lenses are exposed to. This is partly driven by a poor understanding of the root causes of saltwater intrusion, which leads to potentially inappropriate freshwater management strategies. Thus, effective management of these freshwater lenses requires a baseline understanding of the processes that drive saltwater intrusion and the degradation of freshwater lenses, and the temporal and spatial variability of these processes. Dynamics of such freshwater lenses involve an interplay between physical, chemical, and socio-economic processes; therefore, finding a solution necessitates an interdisciplinary approach and a range of data collection strategies. This approach was formalized in a Freshwater Lens Assessment Protocol (FLAP). Results from the research developed and tested on Bantayan Island in the Philippines reveals a sufficient freshwater lens to support the current and projected population; however, local officials are operating abstraction wells from the wrong locations on the island. Such locations are utilized due to ease of access to existing infrastructure and government boundaries, but do not consider technical factors that influence saltwater intrusion. FLAP is an appropriate, cost-effective, interdisciplinary tool that uses a pragmatic approach to data collection, interpretation, and integration into an observational model. Continuous adjustments are possible through ongoing monitoring of the model, offering opportunities to evaluate the efficacy of resource management strategies.