Blog Archive: November 2011

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Collaborating to improve productivity and the quality of life in Colombia

November 30, 2011

Mobile phones can transform the way rural farmers in developing countries get information to better manage their crops and animals. Today, Grameen Foundation announced a new collaboration with MasterCard Worldwide that will develop new mobile applications for rural farmers in Colombia.

With these solutions, a smallholder farmer will be able to know the specific prices for his crops and the best weather conditions for planting and harvesting, without even having to leave his land.

Lessons Learned From Mobile Money in Tanzania

November 28, 2011

While researching mobile financial services (MFS) best practices, Grameen Foundation had an opportunity in August to visit Tujijenge Microfinance, a microfinance institution (MFI) in Tanzania. At the time of the visit, it was the only MFI in the country that had implemented MFS, and used it for more than two years, reaching one-third of their clients (5,000 people) with noted impact in institutional growth.

Helping the Poorest Access Resources, Training, Financial Services

November 02, 2011

Luckshmi Sivalingam, Program Officer for Grameen Foundation’s Solutions for the Poorest program, oversees the Livelihood Pathways for the Poorest (LPP) project in India.

One week last August, after slogging barefoot through a kilometer of muddy fields and monsoon rains, my colleagues from The Livelihood School at BASIX India and I reached our first ASHG (adapted self-help group) meeting of the week. We were greeted with warm smiles from the female members of one of the strongest ASHGs developed through the Livelihood Pathways for the Poorest (LPP) project in Bihar, India, to date. Trust levels and self-confidence are slowly building, as are savings habits among our members. Our project has two main goals: identifying and building a diverse and stable group of livelihood activities that will generate increased income throughout the year, and providing immediate and long-term socio-economic support for the group members and their families.

We have been working with the local government since May to link poor households to various support programs, including child and women's healthcare and work for unskilled laborers. (The 2005 Mahatma Gandhi Rural Employment Guarantee Act guarantees 100 days of wage labor for adults in rural communities who are willing to do unskilled manual work or the equivalent in wages.)  Though the households in our project were eligible to receive these government programs, they either didn’t have the required proof of identification (India is one year into a national ID campaign that many hope will alleviate this problem) or were not aware of them. With our help, they now appreciate the immediate, tangible benefits of engaging in the government programs, as they begin to gradually access and experience the much-needed services that are rightfully theirs. Since we began our discussions with the local government, our target villages have been assessed to see which eligible households lack job cards; the ones that do are currently being processed. In addition, the households will each receive one to two fruit saplings for planting next month.

[caption id="attachment_1878" align="aligncenter" width="300" caption="Participants in one of the LPP project's Adapted Self-Help Groups, or ASHGs, discuss the importance of savings."]Participants in one of the LPP project's Adapted Self-Help Groups, or ASHGs, discuss the importance of savings.[/caption]

Understanding our clients’ thinking and the conditioning caused by a lifetime of chronic poverty is one of the most challenging aspects of this work. Our ready access in the developed world to the conveniences of modern life can limit our ability as practitioners to relate to and understand the very different reality of the poor we are seeking to help – a reality that can be a painful one. Living and interacting with them provides us with a window into the challenges of their daily lives, and shapes our own understanding of their needs and the context in which they live. It also helps us to understand the rationale behind the difficult daily decisions they must make – how to feed themselves and their families, what they must forego for the survival of their children and what sacrifices must be borne by the entire household, regardless of age. Designing a methodology, products and services to create “livelihood pathways for the poorest” will be a process of testing and retesting these next two years.

 

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