But a hungry child exists in a larger context: if we nourish communities, they can nourish their own children.
The woman on our cover, Fatou Doumbia, and other women in her village in Mali, pooled their resources last year. They set aside nearly a ton of millet as a defense against the hunger they’d seen as food prices spiked. Hers is another face of hunger: determined, resourceful.
After the last harvest, Oxfam reached out to supporters to respond to the food crisis. We’ve devoted much of this issue to looking at what communities have done to avoid the kinds of hardships they confronted. When people living in poverty are hit by a food crisis or natural disaster, they lack resources to tide them over.
Oxfam works to help people build their resilience. Let respect and hope fuel your efforts to support women like Doumbia.
]]>“Since I started with the group, my mind is more open,” she says proudly in front of her small home of mud bricks on a warm, windy March day. “I can manage lots of different things now.”
And she does. Inside her house she has little packages of spices she sells, along with smoked fish, on the dusty streets of Domba, her town in southern Mali. Once a week she goes to the market and sells there, but she has plenty of clients in her neighborhood, and she just goes door to door.
Mariko, who is 64 and has eight children, raises and sells chickens and shea nuts (which are processed into shea butter). Since she joined her Saving for Change group, she says she manages her shea nut business completely differently. “I don’t just sell my shea nuts for whatever I can get,” she says proudly, with the air of an experienced trader. “Now I know to wait until prices are higher, and I can get more money.” She says she appreciates having money for emergencies, to help sick relatives, or to pay for weddings or funerals.
Mariko is just one of 25 women in the Saving for Change group in Domba. They named the group Ikidia, the word for harmony in the local language, Bambara. The group was established in 2007, two years after Oxfam America launched its Saving for Change program in Mali. This group, like the 7,019 other groups in 2,625 villages in Mali, is organized to help women save their own money in a safe place and make loans to each other from a common fund at 10 percent a month. Each member makes a deposit each week (it is roughly 50 cents), and the group saves, loans, and makes interest on the group funds. Since women in rural Mali rarely finish school, they don’t keep elaborate written records. Each woman keeps track of her own and one other member’s loans and payment schedule, a sort of financial buddy system. And they all remember the total in the cash box at the end of each meeting.
Once a year the amount saved plus interest earned is divided up equally among the group members. The funds are usually disbursed right before the harvest, when families in this agricultural area are most financially stressed. The Ikidia group fund disbursed about $46 to each member at the end of the first year. Soumba Doumbia, the group’s president, says she used this money to pay all the school fees and buy clothes and books for her seven children, who were just heading back to classes.
There are now 250,000 people involved in Saving for Change groups in 6,000 villages in Mali, Senegal, Burkina Faso, El Salvador, and Cambodia. Collectively, these groups have saved over $4 million, and the average participants earn 20 percent annually on their deposits.
This rapid growth, achieved in just four years, is remarkable, says John Ambler, Oxfam America’s senior vice president for programs. “A traditional microcredit institution might take eight or 10 years just to reach 10,000 borrowers,” he says. One reason why Saving for Change is taking off so quickly is because women can form groups with fellow villagers in which they save and invest their own money. The groups need not have any relationship with a microfinance institution like a bank. This is helping the program reach the poorest women who would not otherwise be able to borrow money. Most banks consider them to be too big a risk.
Once Oxfam and our partners start one group in a village, others can form on their own, with little or no outside support. On average, it only costs Oxfam about $20 per Saving for Change member to start and train a group to manage its own operations. Women who learn how to form a group can then help others in nearby villages do the same thing, at no additional cost to the program.
If Saving for Change continues to grow at the current rate, the number of participants should double in the next two years. Doumbia says the Ikidia group members are benefiting not just from increased income, easier access to credit, and all the material improvements. They are also building self-confidence and dignity. “Before this group, if we had money problems, we would ask our friends for help, but they could not always say yes,” Doumbia says. “We would have to go into nearby towns and borrow money. We had no hope.
“But now we can find money to solve our problems through the group.”
]]>West Africa has made enormous strides toward democracy in recent years. Amid enduring poverty, vibrant networks of farmers, young people, and human rights activists—men and women alike—have emerged, uniting and mobilizing to confront injustice. With funding, training, and advocacy support from Oxfam, these energetic groups are seeking to improve their lives, to participate in decisions that affect them, to speak out, and to break away from the fate of poverty.
]]>TONUS initiated the credit-led groups in 1997.
Sitting behind his desk, cluttered with papers and files wilting in the heat and humidity of Mali’s August rainy season, Doumbia had gone over the figures a thousand times. He kept coming to the same conclusion, and it was one that made him smile: Despite having to save their own money, Saving for Change works for poor women.
"In the first eight months, the SFC groups had 3,427 members, and the credit microfinance groups had 1,983 members after eight years," he said. By the end of August 2006, the trend had continued: 5,894 Saving for Change members and 2,144 credit group members.
Not only did Saving for Change have more participants, but the groups were performing better. "The number of participants is higher, the repayment rate is higher. There is a lower total of overdue loans," he said. "The voluntary savings are as much as the credit groups have saved in eight years."
Doumbia said he was at first surprised at these results. "When we started SFC I did not think we would see these results by helping women make loans with their own money. The savings rate is a lot lower in the classic, credit-led finance system, and since we began that in 1997 we have not seen much saving. So at the beginning we were worried because we did not have outside capital, and women had to save their own money."
But after just a few weeks, he could see a big difference in the performance of Saving for Change. "One month into it I was impressed," he said. "Since then I have been watching the stats. I held a meeting with the credit-led finance team to show them the results so far. It has now been almost nine months and the savings are almost the same as the credit-led finance system—about 8 million CFA francs (about $14,500) for Saving for Change groups versus 9 million CFA ($16,300) in savings for the credit program after eight years."
Since August of 2006 the trend has continued. By the end of March 2007 the Saving for Change groups savings had jumped to over $186,000, just over five times the amount saved by the credit groups over eight years. Savings for Change groups have twice as much money loaned out and working in the community, and a repayment rate over 99 percent.
The numbers in this case do not lie, and they prove something significant: Poor people can save money. Doumbia says that the higher rate and amount of voluntary savings can be attributed to the organization of the Saving for Change groups, not necessarily the participants’ level of income. To Doumbia, this shows a weakness in the credit-led system: "Their savings are low, not due to lack of money, but because the system does not work as well," he said.
Doumbia says the women make it all possible. "The Savings for Change women are at the center of the program," Doumbia said. "It all starts with them. They mobilize their own savings, pay back their loans, and manage the groups."
| Saving for Change Groups April 2005 - March 2007 | Credit-Led Finance Groups October 1997 - March 2007 | |
|---|---|---|
| Group members | 12,410 | 2,248 |
| Total deposits | $186,432 | $34,431 |
| Outstanding loans | $112,914 | $55,938 |
| Number of overdue loans | 4 | 86 |
| Amount of overdue dept | $280 | $5,206 |
| Repayment rate | 99.75% | 90.70% |
Dalla Sissoko is watching this closely. Sissoko is one of the founders of the TONUS organization in Mali in 1995. This social service agency is now one of Oxfam America's partners in the Saving for Change program in Mali, and Sissoko is a micro-finance expert and head of the women's program at TONUS.
"We say that women are at the center of the Saving for Change program," Sissoko said on a rainy afternoon at the TONUS headquarters outside Bamako. "When we go to a village we have to speak with a chief or council, but after these initial meetings we are in contact only with the women. The women run the bank, keep the books, and run the meetings," she said.
It's no surprise that the women also enjoy the benefits of their Saving for Change group, Sissoko says. "We are seeing women have more money for buying things for the family and paying school fees. And many have extra money to buy things for their daughters when they get married, like a bed, and pots and pans."
Having more money to contribute to the family needs and expenses is a change in the role of women in the family. Men can see the benefits of the program, and their acceptance is important because participation in Saving for Change involves a time commitment from the busiest person in the family. "With Saving for Change women have two hours each week to talk among themselves, and they can have a break," Sissoko says, "They enjoy the company of their friends. It's really important to have this space. More and more, the men are allowing this time, and things are changing slowly. Many of the women are starting to wear better clothes, and the families are eating better. The health of children and their families are improving also, and men appreciate this."
But membership in a Saving for Change group goes beyond money and fellowship. "In most cases women do not get much information or training, but with the Saving for Change program they can get training among themselves," Sissoko says. TONUS trains women in managing their accounts, and in preventing and treating malaria, one of the most serious health threats in Mali.
And as with any organized group of knowledgeable people, Saving for Change group members look beyond their own personal concerns and advocate for ways to improve their community. In this case, groups propose ways to prevent malaria in the entire village. "They eventually start speaking in public," Sissoko says, ?and have opinions people respect."
Being involved in public affairs, and actually speaking your mind in public is simply out of the question for most village women in Mali. This is particularly the case in questions about public health, agriculture, access to water, and other crucial issues facing many villages. "Women are not really involved in development activities, these are dominated by men," Sissoko says. "Women just don?t make any of the decisions about development. They are not consulted and they are not heard. Women do not speak out in public. When they are young they are told that if they speak out they will never get a husband."
Minata Konaré, a 24-year-old mother of three and member of a Savings for Change group says that having the confidence to speak in public is one of the biggest changes for her, and it all started at her group meetings. "I never used to be able to speak in public, but now I can talk in public," Konaré says while passing by a friend's house on her way to work selling food in the village of Guily, near where she lives. "I used to always be at my house, but now I come to the village and talk with the other women, so this is opening things up for me."
The positive changes for women seen by Sissoko and others are being documented in a study carried out by Oxfam in late 2006. It looked at the progress being made in 20 villages in Mali, where researchers got numerous comments from women members of Saving for Change groups as well as their husbands and others in the communities. "Women are earning more money, and their new income enhances their status in their households," one researcher commented. "They are purchasing things they couldn't previously afford, they are contributing more to household expenses, and they report helping their husbands more."
Sissoko says women are creating ways for villages to better store their grains and other crops, eliminate mosquito breeding areas, and promote other positive changes they see helping everyone in the community. "Saving for Change helps women build confidence in their ability to do things," Sissoko says. "The entire village benefits from Saving for Change."
]]>But once they know this they take serious action, learning how to prevent the disease by sleeping under nets treated with insecticide, and filling in puddles and other places where mosquitoes can breed. They take special care to help pregnant women get access to government-sponsored prenatal care, which includes a free mosquito net.
A recent survey of villages where Saving for Change groups have been formed is showing that 75 percent of members understand that mosquitoes transmit malaria, while only half of non-members in the communities know this. Seventy percent of members knew that mosquito nets are an effective way to prevent malaria, compared to only 40 percent of non-members. More than half of members said they slept under a bed net the previous evening, compared to just 30 percent of others in the community. And more than 40 percent of Saving for Change members said they had purchased a bed net since joining a group, evidence that the availability of information about the value of bed nets contributed to changes in behavior.
Overall, malaria killed 22,000 people in Mali in 2005, and ranked third among all causes of death after respiratory infections and diarrheal diseases, according to the World Health Organization's latest figures. The death toll for children is particularly severe. Mali ranks 175 out of 177 countries in the rate of death from all causes of children under five, at 218 per 1,000, and malaria causes about 17 percent of those deaths.
"Malaria is a crucial problem in Mali," says Macky Doucouré, president of the non-governmental group CAEB, one of Oxfam's Saving for Change partners in Mali. "The majority of deaths of pregnant women are due to malaria. More women in Mali die from malaria than they do from AIDS...as many as die in childbirth."
The death toll is heavy, but so is the price to stay alive, as many families struggle to find money to transport sick people to clinics, and buy medication. "Some families have to spend as much as 60 percent of their income on health care," Doucouré said. This is why malaria is an important topic when it comes to community finance programs: nothing will destroy a family's assets like chronic illness.
Once women are organized into Saving for Change groups it is easier for them to work together to educate people in their village about malaria and take steps to prevent it. "It is a really big change for people to understand that there are things they can do in their own villages to prevent malaria," Doucrouré said.
He described one village where women in a Saving for Change group took some extraordinarily active steps. "They decided to create their own committee to help women prevent malaria, and encourage the use of insecticide impregnated mosquito nets at night while people are sleeping. Each night members of the committee would visit homes to make sure women and their children were sleeping under their mosquito nets, and they would even fine women not using the nets 50 CFA or maybe 100 CFA [10 or 20 cents]."
"Creating a committee to prevent and help people treat malaria is a significant innovation for these families and their village, and it was made possible by the Saving for Change group financed by Oxfam—it is something the women created themselves to deal with the problem, it did not come from outside the village."
]]>Between harvests, farmers have little available cash, so families struggle to find money for those necessities they do not produce themselves—clothes, soap, or even medicine if a child falls ill. So Djouri Konaré, a mother of six in her mid-40s, earns a little money by preparing rice flavored with tomatoes and piment, a super-spicy pepper, to sell once a week on market day. With little available cash, Konaré used to have to borrow ingredients from a food dealer, and repay him at whatever price he demanded at the end of the day. Profits were slim.
Konaré found a better option when Oxfam America's partner TONUS helped the women in N'Golofala form a savings group, pooling their deposits of just a few cents a week and then loaning each other the capital to invest in money-making ventures. It is part of Oxfam's Saving for Change program, established in 2005 and now reaching more than 24,000 women in Mali alone.
Konaré joined the group and borrowed enough to buy the ingredients for her business at a better price than the food dealer's. "Some days I can make 10,000 CFA [about $20]," she said in an interview in her home. After paying back her loan and interest, she can clear as much as $65 a month—nearly the average monthly income for Mali and a tidy sum for a rural woman with no assets.
Once a year the savings group divides up its assets equally among the members, and the women can use it to invest or buy necessities for their families. This year, Konaré's share was $18, and she used it to buy a sheep. "I bought a female, which had a baby, another female. Now I think I could sell the mother for about $30, so I am getting a lot for my $18."
There are currently about 40 women participating in three savings groups in N'Golofala. "We are seeing a lot of benefits," Konaré said. In addition to earning income raising livestock and through other forms of commerce, the women meet regularly and help each other with their businesses and discuss problems faced by the larger community, like malaria.
Malaria is one of the biggest problems in N'Golofala and many other villages in Mali—indeed, throughout much of Africa. With many families forced to devote a large proportion of their income to deal with health problems, reducing vulnerability to malaria is an essential way to fight poverty. After helping establish the savings groups, TONUS staff led eight training sessions to teach the women in the program how to prevent and treat the disease.
"Now I know how to treat children for malaria," says Konaré. "I am contributing to the better health of my family by helping my husband eliminate mosquito breeding areas, and I can buy treated bednets."
She and other women have even convinced village leaders to eliminate mosquito-breeding areas. This was a milestone for these women, who previously had never been consulted on village affairs and were not used to speaking in public. Before Saving for Change, women tended to defer to their husbands. "Now we know we have to do things ourselves," Konaré said. "The Saving for Change group has changed a lot for me."
Since the first Saving for Change groups were established, many of the women could see that it was a simple matter to help others start their own groups. In the village of Guilly, just 20 minutes from N'Golofala, a 30-year-old woman named Minata Coulibaly joined a group and then helped establish four others, recruiting 63 other women to the Saving for Change program. Of the 1,126 groups in Mali, 391 were formed spontaneously by the women themselves, and these 391 include nearly 8,000 members—all of whom have taken small steps toward big changes.
]]>In any society, developing or not, women are likely to be poorer, less educated, and less empowered than men. Oxfam recognizes women should be valued equally and enabled to reach their potential. What’s more, research has shown that when women earn income, they are more likely than men to spend it on family welfare. And when women are educated, they make decisions that benefit their families and influence their communities.
In the pages that follow, you'll read about how Oxfam is targeting the laws in Mozambique and the gender violence in El Salvador that severely disadvantage women. You'll also learn how Oxfam is equipping women to mediate peace in West Africa and to grow the income of their families. In every case, when it comes to empowering women, men are an equal part of the equation. Oxfam is striving to shape societies that not only permit women to be contributors, but societies that recognize that if they don't seize upon what women can offer, they are failing to leverage one of their most valuable assets.
]]>Also in this issue, working together to save the family farm, the power of reading empowers women in The Gambia, and updates on Oxfam's work in Bolivia and in eastern and southern Africa.
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