Women, on every score, fall far behind.

No solution to poverty can endure without the full participation of women: They make up half the people on Earth.

To achieve that goal—to end poverty—we need to address discrimination and the uneven balance of power between men and women. At Oxfam, we support opportunities for women and girls to change the circumstances of their lives. We help them claim their rights, live free from violence, earn a decent income, get an education, become entrepreneurs, and make their voices heard. Guiding us is our belief in basic human rights, which includes the conviction that women—like men—have the capability to make a profound difference in the lives of their families, their communities, and their nations.

The innovative Saving for Change program is based on the mobilization of savings in small (20 to 25 members) groups. This approach differs from credit-based microfinance in that group members put their own money—sometimes as little as 25 cents a week—into a savings pool which is then loaned out to group members to cover emergency expenses or to start a small business. Saving for Change is now helping half a million people (primarily women, and a few men in Cambodia) with a safe and convenient place to save money, and as a source of small loans.

“This is a population that has been scarcely touched by microfinance institutions and banks,” says Jeff Ashe, the director of Oxfam America’s Community Finance program. Ashe helped introduce the Saving for Change model to Oxfam America in 2005 after carrying out an evaluation of similar programs in Nepal, India, and Zimbabwe.

With support from a grant from the Bill & Melinda Gates Foundation, Oxfam is studying participation in Saving for Change and how this program is helping people provide some financial stability and improve their lives. Early results from studies in Mali are showing that participation in a Saving for Change group provides a valuable buffer against shock – if a household member gets sick, money is available to cover medical costs that might otherwise tip a very poor family into destitution.

“Knowing that their family can fall back on a loan from Saving for Change to deal with an emergency helps reduce stress,” says Janina Matuszeski, research coordinator for Oxfam America’s Community Finance Program. She says that this financial confidence “helps a woman get her head up and say, ‘what’s next?’ and take some control over her financial future.”

Saving for Change is currently operating in Mali, Senegal, El Salvador, Guatemala, and Cambodia. In total, the members in these groups are currently saving more than $9 million. The money these groups save (plus the interest on loans) is distributed to the group members every year when they need it the most, usually just before the harvest when families need food and have back-to-school expenses.

“Saving for Change groups are now starting to be used as platforms to introduce ecological agriculture and business and leadership training,” Ashe says. “We also want to build on initiatives that the women have taken on themselves such as the formation of girls groups and the purchase of grain to tide the members over the ‘hungry season.’”

Saving for Change is continuing to attract members, form new groups, and study the effects of the program on group members. “The objective is to develop a mass-scale and replicable model for building village economies at a modest cost per villager,” says Ashe. “We’ll study the outcomes, and then disseminate this model broadly.”

“Before we would use 100 francs to buy tea,” Diallo said after a group meeting at her home, while she was selling a small bag of cooking spices to a young boy waiting patiently in her doorway. “We would sit around and laugh and tease each other. We didn’t know that if we put our 100 francs together, we could do something really important.”

Saving for Change group members pool their savings, and borrow money to invest in small businesses. Selling foodstuff as Diallo does is quite common, as is selling phone cards, and buying and selling cloth and clothing. Members pay back their loans with 10 percent interest, and the money grows in the group fund for 12 months, when all the assets are disbursed to members equally, and a 12-month cycle starts again. Last fall at the end of the last cycle, each member got nearly $50.

Responsibility, respect

Mariama Ly, a 38-year-old mother of four wearing a bright red head scarf that forms a perfect circle around her face, says she did really well this past year. “I bought new furniture for my house, a bicycle for my son, and I invested the rest in my business,” she says brightly.  

Her enthusiasm is easy to understand when you hear her story: Unable to find any steady work in their village, called Bandafassi, Ly’s husband had to move to Dakar where he is a fisherman. It is a good 800 kilometers (just under 500 miles) away, so he only comes home for the annual Tabaski holiday, which marks the end of the Ramadan fasting period. He stays for a couple of weeks, handing over the money he has earned to support the family.

But the money rarely lasted a year, forcing Ly to buy much of the food and clothing for her family on credit. When her husband came home, Ly says “He dealt with all my debts, he had to go around the village paying it all back.” It was the source of stress in their relationship.

After she joined the Saving for Change group in her village, staff from an organization called La Lumière used a grant from Oxfam to teach her and the other members how to establish a saving fund, make loans to members, start their individual businesses, pay back the loans, and re-invest her profits.

Ly began selling dried fish, pepper, vinegar, and other spices around her neighborhood. She says she can now cover all her household expenses. And her relationship with her husband has completely changed. “He’s treating me really well,” she says proudly outside her small home, the only one in her neighborhood with new thatch on the roof. “We talk a lot, we talk things over together. Before he just did what he wanted, but now we discuss it first.

“He’s really happy that I take this responsibility. I get a lot of respect from him now, and it makes me really happy.” Best of all, she says, “when he comes back to the house, there is just peace and love between us.”

Her group president Diallo says harnessing the modest savings and energy of the group members has created similar changes for all of them. “Before we had no way to help ourselves, but now with just 100 francs a week we solve a lot of problems, and help our husbands and our children.” Now, instead of sitting around drinking tea and teasing each other, she says “We tease the men. We are handling all the expenses now, not them.”

She was also furious. "This should not happen to us," she said later, referring to the residents of her village of Teberebie, which had been relocated to accommodate a new mining operation in the area. "What did we do wrong?"

Mr. Baidoo had been walking away from a confrontation between farmers and a military force when he was wounded. The protest arose after the military began blocking a road the farmers used to travel to their fields where they grow cocoa and palm trees, yams, cassava, and other fruits and vegetables. Having recently been denied this route through the mine property, and tired of the alternative—a longer, 12-mile round trip on foot—the entire town turned out in February 2006 to demand access to the road. Baidoo and one other man were shot, and several people were beaten.

Amoateng immediately called WACAM, the environmental and human rights organization partly funded by Oxfam that had trained her and others in the community. "I reported that Anthony had been shot, and was lying in his own blood," she said. After WACAM's director Daniel Owusu-Koranteng called the head of the AngloGold Ashanti mine company, Baidoo got the medical care he needed to survive at the company's expense. After recovering for eight months in the hospital he is now disabled.

Teberebie is a farming community in the Wassa West District of Ghana's Western Region. The community was resettled in 1991 to make room for the AngloGold Ashanti, Iduapriem Mine, which is now producing over 300,000 ounces of gold per year. It is just one of many scenes of violence over the last several years, as Ghana has thrown open its doors to foreign companies and relaxed its rules on investment to encourage more mining. The shootings in Teberebie were just two of 15 reported by the BBC in 2005 and 2006.

Concerned farmers

Amoateng is now a leader of the Concerned Farmers' Association of Teberebie, which consists of 35 farmers who have worked with WACAM to learn about their human rights under Ghana's constitution and Minerals and Mining Act. She is leading this group in a legal case against AngloGold, alleging non-payment of compensation for their lost farms, which are now buried under piles of waste rock.

Amoateng, 30, said she is now more aware of how the government and mining companies in the area are violating the rights of people in her community—and what to do about it. "Because of WACAM, I now know where to go and who to contact in case of any problem in the community," she said. Her recent activities have included leading a march to the nearby town of Tarkwa, where radio, television, and newspaper journalists interviewed her about the situation facing farmers in Teberebie.

In Ghana, as in many other countries in Africa and other parts of the world, women do not usually lead political struggles. Speaking out publicly is simply out of the question for most women in communities affected by mining in Ghana. Men are normally perceived as the voices of the community. But with the right training and personal ambition, women like Amoateng are showing they are strong leaders.

To more effectively represent her community, Amoateng is presently studying to finish high school and prepare for university. She aspires to be a lawyer and an advocate for women and children.

Her concerns center on basic justice for Teberebie. "The 1992 constitution and the Minerals and Mining Act are my closest friends now," Amoateng said. "I don't want the mining company to cheat my community. And I know my rights as a citizen living in a mining community."

Amoateng's work is a good example of how WACAM uses education as a tool to empower mining communities in their struggle to improve their living conditions. Her training with WACAM has strengthened her community as well as her own ability to represent her neighbors. "This has made me very powerful in the sight of both the mining company, and the men in my community," she said. "I am proud of myself."

Jerry Mensah-Pah is a radio and newspaper journalist based in Tarkwa, Ghana, and has been covering human rights violations related to communities affected by mining for four years. He works for WACAM in the Western Region of Ghana as its assistant programs officer.

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."

Mamadou Diedhiou, the school's director, takes the high enrollment as a compliment. "Our school district has one of the highest levels of attendance in the country," he says proudly. "And we are building schools all the time."

Four of Diedhiou's teachers have been using the Oxfam-funded GRA-REDEP peace education curriculum for the last three years, and others are learning about it and integrating it into their classes also. The teachers are seeing a real difference in the behavior of the students at Basembo Diandy: fewer fights, more tolerance, and more engagement with the faculty on school issues. The students understand what it is to be a citizen, says Pathé Diatta, one of the teachers. "When we used to raise the flag here most students weren't interested,"" he said in the school library. "But after we taught them about citizenship, they attend the flag raising every morning."

Citizens enjoy certain rights, and this is a key lesson taught in Professor Djibril Faye's class, held in one of the concrete block buildings, where there is a charcoal outline of the African continent on the back wall. The students, roughly 40 kids between 10 and 15, can name their basic rights: the right to live in peace, the right to medical care, the right to food.

And then the big one comes up: the right to an education. The discussion revolves around why some families don't let their girls go to school, just the boys. Many students don't understand the issue completely. When asked for reasons why a father might not allow a daughter to attend school, some think it might be because there is no money for clothing, transportation, or school fees.

But that is not it. Professor Faye wants them to discover the gender dimension of this human rights issue—a basic injustice based on the roles society imposes on females. "Maybe the father wants his daughter to work around the house, so when she gets married she will know what to do," one boy suggests. The unfairness comes out clearly to the students. Now they see why girls might be more likely to be kept home from school—a violation of their right to an education.

Seynabou Sène, a slim 13-year-old student, took the lesson to heart. "Girls need to go to school," she said after the class. "If my father told me I could not go to school, I would force him to take me so I can have a better future. I want to be a teacher."

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.