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.

An interesting comparison

• On the one hand, women in the Saving for Change groups save up and then loan each other their own money, an unusual savings-led approach to microfinance Oxfam initiated in Mali in 2005.
• On the other, the capital comes from outside the community, and goes back out to the microfinance institution along with the interest paid by the women. This is the more classic, credit-led approach pursued by thousands of organizations in scores of countries.

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.

At first glance, "surprising results"

"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.

Organizing is key to success

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."

Savings vs. credit

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.

Malaria a crucial problem

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."

"In the run-up to an election, discussions are primarily focused on election process issues—which is necessary as it guarantees transparency and therefore social peace," said Mamadou Bitèye, Oxfam America's Regional Director for West Africa. "However, candidates must go one step further by voicing their views on the concerns of the citizens, such as poverty and economic governance issues." Biteye said the hearings are designed to "provide an objective basis for voters to decide who to elect."

The purpose of the exercise, as stated by Amacodou Diouf, vice-chair of CONGAD, is to "ensure that sustainable human development needs are addressed in the programs developed by the political organizations that seek the vote of the Senegalese people."

Some of the issues that will be addressed during the hearings include poverty, governance, economic growth strategies, gender, education, health, and agriculture.

A monitoring mechanism called Civil Society Observer will be created to monitor the actions of the new President of the Republic, and encourage him to deliver on the promises made during the election campaign.

Contacts have already been established with all candidates or their campaign boards and some of them have agreed to take part in the hearings. Hearings will be public and attended by the media, members of civil society, experts in sectoral issues, and citizens.

About 10 print and TV journalists, as well as some members of civil society, attended a ceremony to announce the Citizen Monitoring Program. Mouhamadou Mansour Seck, retired general and former ambassador of Senegal to the United States, was also present at the meeting with the journalists.

According to Ibrahima Aïdara, Governance Advisor at Oxfam America West Africa Office, "the initiative will be replicated during the legislative elections with hearings in the regions to allow citizens to question the candidates for parliament about their real concerns."

This report examines current laws and practices relating to mining revenue management in Mali, and presents a series of recommendations for improving transparency and information disclosure.

The authors are A. Rani Parker, Ph.D., and Fred Wood, Ph.D., of Business-Community Synergies (www.bcsynergies.com).

A French language translation of this report is available below.

Onokoko was working at a human rights organization in Bujumbura, Burundi, where an ethnic conflict similar to that which tore apart Rwanda in 1994 was driving a long civil conflict. "I saw in the market Tutsi being chased by Hutu armed with knives and revolvers, they wanted to kill them. I opened the doors to my office to hide them, and people there said to me, "Gaspard, if you do that, they will kill you too," and I said to them, "let them come kill me."

And they tried. "They destroyed my house, they wanted to kill me because I was defending the lives of others," Onokoko said. "Well, they did not kill me. I am here with you."

This was just one incident in his human rights work in central Africa, which eventually led to his imprisonment in Burundi. Thanks to the intervention of foreign human rights organizations, Onokoko, a Congolese citizen, was released and eventually found refuge in Senegal 10 years ago.

He says he was never scared. "If you are fearful you cannot defend human rights. If you are scared you can't build peace and development. It is an act of courage."

A trained teacher, Onokoko turned his attention back to education. "I could hear a lot of talk about resolving conflict, but I could see in the schools there was no program of peace education and human rights," he said. "So I was one of the first to introduce [it] in the schools."

Onokoko concentrated his work in the Casamance region of southern Senegal, the scene of more than 20 years of conflict between the government and separatist rebels. In 2003 he began a collaboration with Oxfam America, and developed a primary school curriculum complete with teacher training guides, student workbooks, and other material to help teach young people about peace, human rights, and citizenship. By 2006 he had convinced the Ministry of Education to allow the curriculum to be introduced in over 200 primary schools, and started expanding the student mediator program, in which students learn to resolve conflicts, into high schools in Casamance.

"Peace education in Casamance is having very positive results," Onokoko said. "Students who used to willingly go into the bush to join the rebellion now are not interested in this—they know that peace is more important than war, and that if there is war, they can't go to school and there will be no development. Their parents are delighted that their children speak of peace, and human rights. This is very satisfying for me personally, and it is thanks to Oxfam."

Onokoko, now 51 years old, lives in less danger in Dakar, Senegal, and travels frequently to the south to promote the peace education curriculum he developed with his organization GRA-REDEP. With the recent peace agreement in Casamance there is less violence, but many challenges to peace remain, including widespread poverty and land mines.

But Onokoko is taking the long view. "To build peace you have to have a lot of patience, it takes time to change people's behavior, and change their hearts."

As the government of Senegal stepped up its counter-insurgency campaign in Casamance, her family was touched in many ways. They were forced to move away from their home at an agricultural technical school where her father was a teacher because the campus was occupied by the military, making them a target for rebels.

"I also saw one of my cousins killed by the rebels, and another one was badly wounded," Kouka said. "So I had to live through this insecurity as the conflict unfolded." Her experience in Casamance inspired her to work on development and social justice, with peace as the focus of her efforts. "I became more aware of the conflict as I grew up and could see the serious poverty here," she said. "It was a direct impact of the conflict in Casamance."

After joining the staff at Oxfam America's office in Dakar in 2003, Kouka began working on the Control Arms campaign when it kicked off that year. In Senegal, the campaign has three goals: Support the Control Arms goal for an international arms ban treaty, push the Economic Community of West Africa States (ECOWAS) to convert its temporary moratorium on the trade in illegal arms into a binding permanent convention, and finally, get the government of Senegal to update its 1966 law on the possession of weapons to also include the trade in small arms.

Kouka and Oxfam's allies in the Control Arms campaign, including Amnesty International and the International Action Network on Small Arms, celebrated a victory in West Africa after ECOWAS voted to make the arms trade ban permanent in the region last June. And although a conference at the UN in June failed to create any meaningful progress in a global arms ban, the UN's General Assembly voted 153-1 (with 24 abstentions) in December to take up the issue in 2007, a tremendous victory for the Control Arms campaign.

The next phase of the Control Arms campaign in Senegal will involve pushing the legislature to ratify the ECOWAS convention on the illegal trade in small arms, and become one of the nine countries needed to sign the convention so it can enter into force.

Working with young people in Senegal proved crucial in the campaign to gain support for the ECOWAS ban within the Senegalese government. Pressure from young people who gathered signatures for national petitions helped make Senegal a leader in the arms convention issue in ECOWAS. "We turned our attention to working with youth, as armed conflict touches them directly," Kouka said. "That is how we came to the Senegal Boy Scout Association. In Casamance we contacted the Scout movement as well as other youth associations in Ziguinchor and Kolda."

Kouka spent numerous weekends training scouts and other youth groups in how to gather signatures for the Control Arms campaign, and working with Oxfam's partners and allies on campaign strategy and organizing. "If you work with students, or Boy Scouts, they are not available during the week—they are only available on the weekends," Kouka said.

But her commitment goes beyond just the practical—she wants to see concrete results. "I like to see work done correctly. I don't like to see things done half way. That is why I make a personal commitment, and invest so much time to do this work. I work with a lot of different partner organizations and allies, and I really want to build good relations with all of them. So whenever they need me I want to be ready to help them, so we can get this work done, whether it is on a weekend or whenever."

About a dozen students came from Lycée Djinagbo in the city of Ziguinchor, a vast campus of low buildings scattered around dusty grounds bounded by withered trees and walls. On a windy day, clouds of dust blast between the buildings, obscuring the walls and students walking to class in their khaki uniforms. With nearly 4,700 students and 125 teachers, it is the biggest school in the city.

Keeping a school like this running has its challenges: The Casamance conflict has destabilized the entire region, and Lycée Djinagbo as well. There are fights between students, and problems between students and teachers. Like many high schools in Senegal, students sometimes go on strike to protest funding cuts and other school policies, making it hard to finish studies within the academic year.

Abdoulaye Sidibé, an advisor to the student mediators at Djinagbo says that the school is a bit less chaotic since students underwent the mediation training last January. "Since this program was initiated, there's a lot more stability. Fewer problems between students, between students and teachers, and between Muslims and Christians. It's partly due to the team we have here responsible for the resolution of these conflicts.  When they are confronted with a conflict their first reaction is to ask themselves, 'How can I help resolve this in a peaceful manner?'"

Mamadou Lamine Diatta, a 21-year-old literature student and mediator at Djinagbo, explained how his training helped him stop a fight between two students, and teach them a lesson of nonviolence: "One student got a bad grade—and the other was teasing him; they came to blows. I broke it up and took one aside to talk it over, and to allow him to express his frustration. Then I did the same with the other. After that I brought them together—but I did not ask them to repeat their story in front of the other, so as to avoid more anger. Instead we focused on the merits of friendship and the need to tolerate one another."

Maty Thiam, one of Djinagbo's 1,876 female students, is also a trained mediator with a confidence and wisdom well beyond her 17 years. She greets visitors, looking them directly in the eye, with a firm handshake. The mediation training changed her outlook on conflict completely. "Before the training, I understood conflict existed, but I did not know it could be mediated," she explained. Thiam has keen analytical skills, which help her understand the issues and move those in conflict towards peaceful resolutions. The most important thing she has learned from the training? "It is how to listen to people in conflict to get to the heart of the problem. Always avoid telling one or the other he is right. Then create a way to resolve it to show both that they have contributed to the resolution, but also that they have both gained something from the resolution."

High school students see their training resolving school quarrels as important preparation for their professional life. Boubacar Baldé, 18, a trained student mediator at an agricultural technical school outside Ziguinchor, says he wants to create a more peaceful relationship between farmers and livestock herders, two groups who routinely come into conflict all over Africa. "I am a Fulani," he said with pride. "We are known for cattle. But we live near people who grow crops, so we struggle to find grazing lands. And there are many conflicts. My experience will help me negotiate to reserve part of the land for pasture, and the rest for growing crops, and educate villagers in ways of mediating any problems that come up."

"What are some countries now at war?" the teacher asks. The kids explode into a mass of raised hands; they snap their fingers, pleading to be called on, shouting "Monsieur! Monsieur!" Several get their wish, and the countries in conflict come spilling out and onto the blackboard: "Congo!" Then, "Côte d'Ivoire!" and "Bissau!", Senegal's neighbor to the south, Guinea Bissau.

"Any others?" the teacher asks. One student—eager to be called on but unable to think of another country in conflict—blurts out "France!"

Well, no, France is not at war, so the lesson turns to peace. The teacher asks the children to write sentences on the importance of peace, and how it can be achieved. They read them before the class, and they are as noble as any diplomat's address to the United Nations: "We have to forgive each other and be as one." "We have to stop fighting each other and respect one another."

One of the smallest boys in the class walks to the front, tucks in his shirt and hitches up his pants, and most of the class starts laughing. His smile changes to a serious look, and everyone settled down for a moment. He said "In Senegal we need solidarity for peace. We want to live in a region of nonviolence."

A peaceful future

This class, taught by Vieux Malang Diedhiou, was based on curriculum developed by a Senegalese organization: Research Group for Education on Children's Rights and Peace (known by its French initials GRA-REDEP). Working closely with Senegal's Ministry of Education, the curriculum was created over three years ago with about $40,000 from Oxfam America. Gaspard Onokoko, a committed Congolese human rights educator and president of GRA-REDEP, has criss-crossed Senegal, traveling in "bush taxi" mini buses and on foot in the heat and dust to work with education officials to introduce the curriculum to 195 elementary schools in the troubled Casamance region alone. GRA-REDEP is expanding to other areas near the capital Dakar and in western Senegal. Since 2003 more than 1,500 elementary school students have studied peace, human rights, and nonviolent conflict resolution, and nearly 300 teachers have been trained in the curriculum, which also covers basic issues of governance and citizenship.

Onokoko has seen first-hand the destruction of war; he was a political prisoner in Burundi for his work promoting human rights. Since his release and exile to Senegal, he founded GRA-REDEP in order to build a more peaceful future. Children lie at the heart of his strategy.

A tall man with a broad smile, Onokoko speaks very formally and deliberately when asked why children are so important. "If their parents engage in violence and crime, children will learn at a young age to do the same," he says. "These children are the future of Senegal, they represent the wealth of Senegal. They must become citizens who can build a country based on peace that respects human rights. Schools are an important place to do this, to create a culture of peace. Otherwise it is a lot harder to teach this later in life."

Touched by war

GRA-REDEP launched the peace education program in Casamance as it was a region at war for more than 20 years. Sandwiched between Gambia to the north and Guinea Bissau to the south, Casamance is a place apart from the rest of Senegal, a lush region of forests and rivers dominated by the Diola people. A separatist movement emerged in the 1980s among those who felt overlooked by economic progress in Senegal since independence. Separatists have used violence to redress their grievances, and the resulting suffering and poverty have plagued the region. Tragically, many young people joined in the fighting rather than pursuing their studies. A lengthy counterinsurgency campaign by the government finally led to a cease fire and, despite a recent flare-up of cross-border violence between guerilla factions and the Bissau-Guinean military, prospects for peace in Casamance look strong.

The students at Faye Coly have taken on their citizenship lessons with great enthusiasm. They created a student government, elected a president and a cabinet of ministers. Claire Sagna, who at 13 has been the minister of human rights for the last two years, says that the teachers have taught the students to learn how to mediate conflicts between themselves and between students and the faculty. "When there are fights between students, or with students and teachers, our government will come together as a group to develop a solution," she says in a very brisk, business-like manner.