Search results for:

• (Journal Article) To regulate or not? Microfinance growth and collapse in Ghana

  01.12.2021
  Regulating microfinance is an art of balance between protecting depositors and enabling financial inclusion. Experimentation with microfinance in the late 20th century fostered innovative approaches to financial inclusion of low-income populations around the world. Ghana was a pioneer in regulations that enabled microfinance in some types of licensed institutions, while tolerating other forms. In the early 21st century, for-profit microfinance took off in ways not intended by early promoters. This review paper analyses the consequences of waiting too long to rein in proliferating profit-oriented microfinance companies and failing to build capacity for regulation, resulting in lost deposits, public mistrust, and a painful delicensing exercise. It also draws on some recent empirical research to indicate implications for public perception and key success factors, leading to a recommendation that regulation be accompanied by measures to build capacity for successful transformation and supervision of microfinance institutions for both financial inclusion and sustainability.

• (Journal Article) Training vs. informal financial services for the promotion of financial literacy and inclusion in Uganda

  01.06.2021
  Financial education aims to promote financial inclusion by increasing understanding and use of formal financial services. Despite such training, participation in informal financial practices remains high relative to formal ones in countries like Uganda. A cross-sectional sample survey of economically active urban financial service users is used to test whether financial education through formal training is associated with financial literacy (FL) and FL is associated with increased use of financial services, especially formal ones. The findings indicate that formal financial training is significantly associated with FL, and that higher FL is associated with higher use of both formal and informal financial services. The unexpectedly strong association of the use of informal financial services with financial literacy suggests that informal financial services may have a more complementary role than a simple model of financial formalization would imply. The study suggests that promoting informal financial services may be more efficient in raising financial literacy and inclusion than financial training.

• (Journal Article) From new evidence to better practice: finding the sanitation sweet spot

  01.10.2017
  A growing body of evidence shows that there is a strong causal link between exposure to poor sanitation and detrimental health, human capital, and economic outcomes. At the same time a number of recent impact evaluations of specific sanitation interventions show mixed results. This heterogeneity in findings raises the questions of whether and how the demonstrated benefits of improved sanitation can be consistently achieved through regular project implementation. This paper attempts to show that the benefits of improved sanitation can be consistently achieved through investing in interventions that address the drivers of latrine use and by divesting from interventions that do not address the drivers of latrine use.

• (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) Developing games as a qualitative method for researching menstrual hygiene management in rural Bolivia

  01.01.2015
  The onset of menstruation has proven challenging for girls in school, with absenteeism, missed class time, reduced participation, teasing, fear, shame, and risky adaptive behaviours among the most commonly noted impacts in many settings. In 2012, Emory University and UNICEF conducted a multi-country formative study to gain a global perspective of girls' experiences. A compendium of tools was created to ensure investigation of common themes across all settings. This paper describes the process of adapting the focus group discussion (FGD) tool for Bolivia into a board game as a method to ease girls' discomfort discussing menstruation and elicit richer data. We describe the development of the menstrual hygiene management game, including structure and strategies for adapting FGD questions that increased interaction, stimulated detailed responses, and diversified participatory activities. A discussion of lessons learned will highlight elements of success and areas for improvement in future game adaptations. The paper discusses games as a research method for other topics and their applications for programme design, monitoring, and skills-based learning.

• (Journal Article) Microfinance for sanitation: what is needed to move to scale?

  01.07.2015
  The sanitation sector is gradually realizing that the effectiveness of approaches such as Community-Led Total Sanitation (CLTS) is limited by inadequate access to finance. Households are not able to construct durable facilities and sanitation services are unable to develop so as to respond to demand. At the same time, there is fierce competition among microfinance services providers that is pushing institutions towards more remote customers and to offer innovative products. In addition, the rise of mobile banking and digital finance has lifted many poor people out of financial exclusion. These factors have created a nexus between microfinance and sanitation with high growth potential. However, the sanitation microfinance market remains small to date. Since 2010, the SHARE research consortium has investigated global experiences and lessons for using microfinance to develop sanitation services. A SHARE action-research in Tanzania triggered selected financial institutions to offer financial products for sanitation and generated lessons for scaling up sanitation microfinance. This article presents the findings from the SHARE research, in the context of broader developments in the microfinance markets and key findings from other donor-led initiatives.

• (Journal Article) Efficiency and competitiveness of a South Africa grant support programme for small, medium, and micro-sized enterprises

  01.06.2022
  The paper investigates the efficiency and competitiveness of a state grant support programme for small, medium, and micro enterprises (SMMEs) in South Africa. A balanced scorecard measurement framework through key performance indicators (KPIs) was applied using aggregate firm level datasets from 2012 and 2017. Empirical results show that the state grant support programme does not have a significant approval rate. Incomplete procedural requirements and overextended turnaround time between the approval and conversion processes contributed to the negative performance of the programme. This implies that the programme policy is overridden or partially set aside, contributing to inadequate allocation and inappropriate distribution of the programme funds to the targeted beneficiary. Further, the programme access choices are distorted, with qualifying beneficiaries prioritized against the targeted group. Funding programmes established for political reasons lead to programme distortion and inefficiency. Therefore, there was a trade-off between fiscal allocation, disbursement, performance, and efficiency.

• (Journal Article) Making markets work for women: how push and pull strategies can support women's economic empowerment

  01.03.2015
  In many countries, the inability of women to negotiate pervasive social, legal, and cultural barriers inhibits their participation in the productive sphere, particularly their entry into market systems as producers and entrepreneurs. The paper draws on case studies from projects implemented by the Mennonite Economic Development Associates (MEDA) in Ghana, the Entrepreneurship and Community Development Institute (ECDI) in Pakistan, and Zardozi in Afghanistan to show how practitioners can maximize ‘push’ and ‘pull’ strategies to increase the scale, impact, and sustainability of women's economic empowerment programming. Despite differences in country contexts, value chains, and sectors, the authors illustrate the importance of ‘push’ strategies in helping women to overcome the persistent gender-based discrimination that undermines women's understanding of markets, access to networks, self-confidence, and business success. They also show how deliberate ‘pull’ strategies that use commercially based incentives can increase women's incomes and business sustainability. The authors conclude that a blend of push and pull strategies will provide the most reach and impact for women's economic empowerment projects, ensuring income growth and gender equality dividends for families and communities.

• (Journal Article) Improving management of manually emptied pit latrine waste in Nairobi’s urban informal settlements

  01.01.2022
  Sanergy has offered reliable, non-sewered sanitation services in Nairobi, Kenya through the implementation of container-based, urine-diverting dry toilets. However, there remains a large volume of untreated faecal waste in urban informal settlements due to poorly managed pit latrines. With limited space in the settlements to bury old pits and dig new ones, management of faecal sludge requires manual pit emptying and safe discharge. Sanergy piloted the Mtaa Fresh project in the settlement of Mukuru Kwa Njenga, establishing a waste transfer station where manual pit emptiers could safely and reliably dispose of pit latrine contents. The most important factors in the successful implementation of this station were, first, the relationship established between Sanergy and the pit emptiers and, second, Sanergy’s commitment to iterating as new insights emerged. The relationship with the emptiers impacted the location, design, and adoption of the site, and aided in the formalization of a pit emptiers’ community-based organization. The commitment to iterating enabled Sanergy to respond to learnings gained from the emptiers. Additional factors that ensured the success of Mtaa Fresh included the implementation of full-time staff, security when the site is closed, support from local authorities, and an expansion to improve management of faecal sludge and trash. Improvements trialled during the expansion aim to minimize operation and maintenance costs, but sustainability will still rely on government support and external funding.

• (Journal Article) Impact of COVID-19 shutdown on economic resilience of low-income households and its implications for livelihood interventions: the case of Bangladesh

  01.06.2021
  COVID-19 shutdown provides a unique opportunity to assess how the low-income households engaged in urban and rural formal and informal economies coped with the shock and how it affected their capacity to cope with such shocks in the near future. Insights on the income and expenditure, savings and borrowing patterns of the low-income households can help us to understand how the coping mechanism and coping capacity varies across different types of low-income households. In turn, it can help us understand the weaknesses in their coping capacity which should be addressed for these households to become more resilient against such external shocks. This paper examines the coping mechanism and the coping capacity of the low-income households based on rapid surveys that were undertaken during the COVID-19 shutdown period in Bangladesh by the author and other agencies in Bangladesh.

• (Journal Article) Elevating the standard: a professionalized approach to community-based rainwater harvesting systems in Uganda

  01.04.2021
  Where water resources are limited, rainwater harvesting (RWH) can provide on-site access to improved water sources. Community institutions are uniquely positioned to benefit from RWH; advocates have encouraged the installation of community-based RWH systems as a way to ameliorate water supply insufficiencies in low-income settings. However, poor quality RWH system installations and insufficient attention to management support have resulted in sustainability challenges, necessitating a commitment to higher standards for community-based RWH. Spurred on by an iterative learning cycle and commitment to innovation, the Ugandan Water Project has achieved RWH system design, installation, and management practices that are well adapted to Ugandan institutions. By investing in a professional crew, high-quality materials, and post-installation support, the Ugandan Water Project has achieved 96 per cent functionality two years after installation. The professionalized approach that the Ugandan Water Project employs can be used as a model to guide future RWH system installations in Uganda and elsewhere.

• (Journal Article) Effects of water source accessibility and reliability improvements on water consumption in eastern Nairobi

  01.07.2017
  Under the commitments of the UN Sustainable Development targets, there is increasing pressure on water utility providers in developing countries to improve their levels of service to consumers, especially for the rapidly growing numbers of people with lower incomes who reside in urban informal settlements. However, pressure on water resources in many regions is simultaneously increasing owing to factors such as pollution, agricultural needs, and climate change. It is therefore important to assess the impacts of improving water services on city-wide water resources. This study examines consumption data from the East African city of Nairobi, collected from households of a variety of residential neighbourhoods. The study suggests that average per capita water consumption is closely related to water source choice (i.e. tap in the dwelling, yard tap, or water vendor kiosks). Within categories of water source type, variables such as household wealth, cost of water, and education do not have significant effects on per capita consumption. It is noted that increased accessibility of water causes the upper bound of consumption to rise, but not the lower. It may therefore be theorized that having a tap in a dwelling is necessary but not sufficient to increase per capita consumption. Within the sample examined, there is no statistically significant difference in per capita consumption between water source types other than a tap in a dwelling, and it is therefore suggested that providing a yard tap to those currently without any form of water connection may have negligible impact on city-wide water consumption.

• (Journal Article) Menstrual hygiene management: education and empowerment for girls?

  01.01.2015
  This paper discusses the recent attention of the water, sanitation, and hygiene (WASH) sector to resolving the menstrual hygiene crisis for young girls in developing countries. Menstrual hygiene management (MHM) interventions, including the use of sanitary pads, education, and awareness, and where possible separate, sanitary toilets, are identified to have far-reaching impacts on the education and empowerment of girls. Field research conducted in Ghana's Northern Region indicates a pronounced socialized, sexualized understanding and experience of menstruation among young girls and their families, school teachers, and local NGOs. Unfortunately WASH initiatives only allow interventions to manage menstrual hygiene, leaving the young girls and others in their social settings to deal with the larger subset of sexuality issues. We argue that opening the dominant discourse of a medicalized concept of menstruation to other meanings and experiences will have significant implications for the education and empowerment of young adolescent girls.

• (Journal Article) Are burial or disposal with garbage safe forms of child faeces disposal? An expert consultation

  01.07.2015
  The importance of safe handling and disposal of child faeces given its potential role in disease transmission are increasingly recognized. Household surveys demonstrate that the burying of child faeces (‘dig-and-bury’) is common in several countries, especially in sub-Saharan Africa and South-east Asia. Disposal with garbage is widely practised in middle- and high-income countries and is becoming increasingly common in urban areas of low-income countries. The safety of these two approaches is difficult to assess given the limited evidence available and we therefore sought the opinion of experts in the field of sanitation to support advocacy around the topic. We report the findings of an anonymous expert (Delphi) consultation on the safety of these two child faeces disposal methods. There was almost unanimous agreement these should be considered neither safe nor improved. A range of arguments was provided to support this position, including proximity of solid waste and burial sites to the home and children’s play areas and that neither practice would be acceptable for adults. The consultation also highlighted gaps in the current evidence base that should be addressed to gain a fuller insight into the risks involved in these two forms of sanitation with a view to providing both programmatic and normative guidance. In particular further work is needed to assess the potential for exposure to faecal matter in solid waste in low- and middle-income countries and to elucidate the predominant practices of child faeces burial including proximity to the home or infant play areas as well as depth of burial.

• (Journal Article) Community institutions in water governance for sustainable livelihoods

  01.01.2022
  Successful community institutions in the global South, which are contributing to livelihoods’ improvement while conserving water and other natural resources, can sustainably build the resilience that policy makers at different tiers are seeking. This article assesses different models of community institutions in Nepal in governing water resources from various lenses, based on Ostrom’s and others’ design principles, including bricolage. Illustrated by three empirical cases, it analyses key features of community institutions in integrated water governance, their contributions to health, nutrition, food security, and environmental conservation, and ways for empowering these institutions as viable and sustainable solutions to address various livelihood challenges. However, inequalities along gender, caste, and ethnicity lines persist. We argue that the recently established local governments under the federal system in Nepal provide new opportunities for gender and social inclusion.

• (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) Assessing emotional motivators for handwashing with soap in emergencies: results from three Asian countries

  01.01.2019
  This paper examines how emotional motivators can be used to promote handwashing with soap (HWWS) among mothers affected by an emergency. The impact of using emotional motivators along with other behaviour determinants for behaviour change in development settings has been well documented; however there is limited evidence for the use of motives for HWWS in emergency contexts. Oxfam, in partnership with Unilever’s Lifebuoy soap and Unilever’s Chief Sustainability Office (CSO), collected data in three countries affected by crises – Nepal (2015), Pakistan (2014), and the Philippines (2015) – to determine motivating factors and barriers around HWWS among mothers. Methods used for the assessment included household survey, structured observation, key informant interview, focus group discussion, and behavioural trials. Post-emergency handwashing knowledge and practice was also measured along with the most effective communication channels to reach the target group. The findings reveal that all mothers were motivated by affiliation and nurture; additionally, in Nepal and Pakistan mothers were motivated by purity and mothers in the Philippines were motivated by handwashing drivers related to shame. Barriers to HWWS in emergencies relate to socio-cultural beliefs and the absence of handwashing hardware.

• (Journal Article) A global assessment of budgeting and financing for WASH in schools

  01.10.2020
  The aim of this review is to assess the literature (published and grey) on capital and recurrent costs of water, sanitation, and hygiene (WASH) in Schools (WinS) facilities and services. The review presents life-cycle costs (e.g. consumables, repair, support, and maintenance) of WinS services and assesses the practical costing exercises and tools currently available for WinS. Furthermore, this review characterizes the typical costs and financial sources for WASH services in (primary) schools and explores the different financial mechanisms available to meet school-level WASH financing gaps.

• (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) 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.