In this next installment of the USAID Pounds of Prevention series (PDF), we travel to Guatemala. Many people in Guatemala live in areas prone to natural hazards. Earthquakes, volcanoes, storms, floods, and landslides have all challenged the population and spurred the country to take action to prepare for and lessen the effects of disasters. Photo by USAID.
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Working in 85 communities in 10 target municipalities across Georgia, the USAID/New Economic Opportunities (NEO) initiative enables highly vulnerable individuals to be self-sufficient through vocational training.
“Amazing, but I have to put some of my villagers on the waiting list,” smiles Shalva Grigalashvili, plumber and tile-setter from Kvishkheti community in Khashuri municipality. “More and more people in Kvishkheti feel a need to put appropriate tourism infrastructure in place and start to upgrade their houses to attract more visitors,’” explains Shalva. As a popular tourist destination in Georgia, the income of the Kvishkheti population significantly depends on the tourism revenues accrued each summer.
The twenty-two year old Shalva Grigalashvili was one of 20 students who graduated from the USAID-sponsored plumbing/tile-setting vocational training program at the Khidistavi Orienti Vocational College in Gori in September 2012. Along with other top students in his program, the USAID/New Economic Opportunities Initiative (NEO) awarded plumbing and tile-setting toolkits to encourage graduates like Shalva to start their own businesses and support income generation opportunities.
Unlike many of his friends and neighbors who travel to work in Tbilisi, Shalva decided to stay in his own village and help other residents improve their living conditions. After completing his training, Shalva started to renovate his neighbors’ houses in Bulbulistsikhe village in Kvishkheti community. Shalva also decided to help a less successful classmate who because of poor performance did not receive a plumber’s toolkit. Through their joint efforts, Shalva gave his friend the opportunity to build upon his training and better master their profession, gain employment and increase his income. “Hard work,” Shalva admits, “but well worth the effort. It is so rewarding to have such a highly demanded profession that brings you money and respect.”
Shalva is just one of the 254 vulnerable individuals from NEO target communities in the Shida Kartli, Mtskheta-Mtianeti, Racha-Lechkhumi, and Samegrelo-Zemo Svaneti regions of Georgia that benefited from USAID-funded vocational training programs. Within three month of graduation, 168 graduates (66 percent) had already obtained new jobs or improved their employment status. Additional sessions of vocational training for NEO vulnerable beneficiaries in trades such as apparel-making, hair dressing, cooking and construction works are scheduled for early 2013.
Learn more about the USAID/New Economic Opportunities (NEO) initiative in Georgia.
Today, the United States Agency for International Development (USAID), with partners Qtel Group and AusAID, announced the winners of the GSMA mWomen Design Challenge, which aims to redefine the smartphone user experience for resource-poor women in emerging markets.
The GSMA mWomen Design Challenge was created to simplify the smartphone user interface to help overcome reading and technical literacy barriers for women. Twenty-two per cent of women surveyed in Egypt, India, Papua New Guinea and Uganda who do not use mobile phones say it is because they do not know how to use them. Watch this video with women mobile phone users in Indonesia review the winning submissions to the GSMA mWomen Design Challenge.
Effective knowledge management is crucial to achieving USAID’s mission of ending world poverty. Groups internal and external to the agency have been working on individual Knowledge Management (KM) initiatives to improve their processes and capture the impact their work is having on international development. The Knowledge Management Expo, hosted by USAID’s Knowledge Services Center KM Team, in conjunction with the KM Reference Group, will bring these groups together to share their innovative knowledge management practices, tools and solutions, and exchange best practices, lessons learned and the challenges.
Keynote Speaker Erin Elizabeth McKee is the Senior Deputy Assistant Administrator for the Bureau of Policy, Planning and Learning (PPL). Ms. McKee has played an integral role in PPL’s push to incorporate learning into all USAID programming by spearheading USAID’s Open Data Initiative. The Open Data Initiative was launched in response to the President’s call for a more transparent, collaborative, and participative federal government, and seeks to strengthen USAID as a platform where the world’s biggest development problems find the best development problem solvers.
The KM Expo features presenters from both inside and outside the agency, reflecting the strength of knowledge management throughout the development community. Presentations topics include how to integrate knowledge management into daily work and project management, how to use social media as a learning tool, and USAID’s premiere KM initiative, the Program Cycle. Each presentation topic is specifically related to knowledge management for development and how to better use it in daily work and strategic planning. The broad range of topics within this framework reflects the importance of knowledge management in all aspects of development and ensures a rich and beneficial dialogue among attendees.
In addition to presenters, various exhibitors will be showcasing their KM initiatives during the Expo. Exhibitors including the M/CIO’s Knowledge Services Center, the State Department’s Office of eDiplomacy, USAID’s GeoCenter, Economic Analysis and Data Services, and USAID’s Applying Science to Strengthen and Improve Systems (ASSIST) project, among others, will have the opportunity to share what they have been working on as well as contribute to others’ projects.
The KM Expo will bring knowledge management and the development community together to share projects, ideas, challenges and inspiration, enabling USAID and its partners to become stronger, more agile and better able to achieve the ultimate goal of ending world poverty.
Can’t attend the Expo? No problem. Follow along on Twitter at #KMExpo.
This originally appeared on Mobile Payments Today.
Tanzania’s first mobile money service, M-PESA, was launched less than a year after it started in neighbouring Kenya, but adoption has been much slower in Tanzania. Consumers, especially women, face a myriad of barriers to mobile money uptake and regular usage. During my fieldwork in Tanzania, I met with a number of women, both mobile money non-users and users, to learn more about these barriers. I also explored opportunities for the mobile money industry to overcome these challenges and develop a compelling case for women to use mobile financial services.
The women users I spoke with were using mobile money mainly for remittances of under TSH 20,000 (approximately US$13). Some used the service for business, but most transactions were personal. Many of the women who reported receiving remittances had married men from other towns or villages and had thus moved, and were receiving money from family at home. The frequency of mobile money usage varied from every two months to as many as seven times a month.
The women I spoke with suggested that using mobile money has improved their lives because of its ease and convenience. However, they also shared stories about agents charging more than the commission rates set by the operators, forcing users to pay more than they should to withdraw and deposit their money. For some, this extra cost was acceptable because it was still lower than the costs of travelling to obtain the money by other means; for others, they did not have agents nearby so they incurred this fee on top of the time and cost to reach the closest agent.
In rural areas, respondents suggested that families live so close together that there is less need for remittances. However, learning more about women’s lifestyles and money management practices still highlights the potential role of mobile money in this context. For example, nearly three quarters of the population relies on agriculture-related activities for income; people keep crops such as maize as savings, liquidating only when there is an immediate financial need. One group of women acknowledged that they may not get the best price when they sell their crops like this, but they also feared the money would be misspent if they sold sooner.
Key questions we are continuing to probe include: How could mobile savings impact the families in these areas? What would be the best way to structure such services and how could mobile operators best communicate about the service to potential users? The answers to these questions – and more – will be reflected in the final report to be released later this month.
Kristy Bohling, an associate with Bankable Frontier Associates, conducted qualitative fieldwork in Tanzania. A video of Ms. Bohling discussing her research is also available.
This originally appeared on Mobile Payments Today.
Today, half the world’s adult population — 2.5 billion people — lacks access to basic financial services and the majority of them are women. Being financially excluded means relying on cash, where a simple task like paying a bill or receiving money from a family member can be risky, costly and time consuming. This exclusion from financial services also reinforces the cycle of poverty and slows economic growth.
From Kenya to Haiti to Indonesia, mobile phones already have begun playing an important role in expanding access to financial services, including ways to send, receive and save money. At the end of 2012, an estimated 1.7 billion people in the world will have a mobile phone but not a bank account, but thanks to advances in mobile banking technology, these are no longer mutually exclusive.
Mobile technology in the hands of women can help enable entry into the financial mainstream and provide access to life-enhancing services such as savings, payments, healthcare, education, and entrepreneurship. But as research has shown, there’s a gender gap in mobile phone ownership and usage, in part because of the lack of products designed for the wants and needs of women. In order to achieve the full potential of the role mobile technology can play in women’s empowerment globally, it is critical that service providers understand what women need and design products that effectively reach this audience.
Toward that goal, the GSMA mWomen Programme and Visa Inc. have partnered with Bankable Frontier Associates (BFA) to conduct groundbreaking research in five key countries: Indonesia, Kenya, Pakistan, Papua New Guinea, and Tanzania. Building on the results of GSMA mWomen’s Striving and Surviving, which was prepared as part of Visa and GSMA’s partnership with USAID and AusAID, the BFA research will provide a deeper dive into how best to reach these women and what services and products will directly meet their needs – offering important lessons for mobile operators, financial institutions, governments, and other partners.
Consider Pakistan, where field work already is underway. In Pakistan, only 12 percent of the total population has a bank account — and those who do are primarily men. However, mobile phone penetration hovers around 70 percent, offering a unique opportunity to provide access to more formalized financial services via mobile phone. Our early field work indicates that while Pakistani women are remarkably sophisticated and adept at managing their household finances, they don’t have access to formal financial tools. Instead, they save in money boxes in their homes or via savings groups, both of which can carry significant risk. Given the increasing presence of mobile phones in the country, mobile financial services – if designed properly – can provide an accessible and convenient avenue for women to enter the financial mainstream.
To hear more about the work underway in Pakistan, please click here to view a video from one of the field researchers, the first in a series that will highlight the work being done in all five countries.
“Through this research, we aim to uncover the challenges women face in their daily and longer term financial management and to suggest ways of easing those burdens with mobile money,” says Daryl Collins, co-author of the seminal work, Portfolios of the Poor, and a director at BFA. “Poor people of both genders manage their money with a complex portfolio of financial instruments. However, the evidence suggests that women are doubly burdened, given that they are often responsible for making ends meet, yet are less empowered to make full use of the options available.”
Our hope in this effort is to help women realize the promise of mobile financial services. In order to do that, we need to learn more about women’s attitudes towards mobile services, including barriers to frequent use and whether mobile financial services offer an entry for women who previously did not value or know how to use mobile technologies.
As our research continues over the next few months, we look forward to sharing with you the voices of these women from around the world.
Aletha Ling is chief operating officer for Fundamo, a Visa company. Chris Locke is managing director of GSMA Mobile for Development Department.
Basic personal hygiene is critical to help prevent the spread of illness and disease among displaced Syrians.
After nearly two years of ongoing brutal conflict, more than 4 million people in Syria are in need of humanitarian assistance, including some 2.5 million who are displaced from their homes.
In Atmeh’s Olive Tree Camp, near the Reyhanli border crossing in Turkey’s Hatay Province, many of the residents left their homes with nothing but the clothes on their backs.
Good basic personal hygiene and hand washing are critical to help prevent the spread of illness and disease, and providing basic hygiene supplies and education was identified as a priority in the camp.
USAID—through an international non governmental organization—began distributions of family hygiene kits in the camp in October 2012. Each kit includes two towels, toothpaste and toothbrushes, soap, shampoo, and feminine pads. USAID also provided two water containers and buckets to store and transport clean water to tents and makeshift homes.
“When people are running away from war and destruction, they think less about hygiene and keeping the children clean,” says one Syrian mother. “I like the items that my family got, because we now have things that we can use and are of a help to us as a unit.”
To further improve hygiene in the camp, USAID funding also repaired the water pump, established water trucking, and constructed a septic system that supports 60 latrines, with 100 more in the construction process. In addition, USAID also established 120 garbage collection points and established trash removal services in the camp.
These hygiene programs are in addition to medical and other assistance USAID is providing to Syrians in the Olive Tree Camp.
In total, the United States is providing nearly $385 million to help the innocent children, women, and men affected by the crisis in Syria. We will continue to stand by and with the Syrian people.
To learn more about USAID’s efforts in Syria, http://www.usaid.gov/crisis/syria