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  • URBim | for just and inclusive cities

    The toxicity situation in Accra is very challenging to the health conditions of the city’s population. This situation is aggravated by a high level of urbanization and a large population. These chemical substances are from e-waste, industrial and institutional waste-discharge, environmental, and household waste. In the landfills where electronic waste substances are disposed of, children, mostly boys between the ages of 11 and 18, take apart the electronic scrap, often with their bare hands, burn it, and sometime use stones to extract metal parts. These activities pose many health challenges to these young children and others in the city, like itchy eyes, lung and kidney infections. Read more or join the discussion.

    Submitted by Felix Nyamedor — Mon, 07/29/2013 – 00:00

    The fact that developed countries have been using Africa as a dumping ground for electronic waste is an old story. Under the guise of “charitable donations,” tons of e-products of dubious worth — refrigerators, washing machines, computers, cellular phones, TVs (the list goes on) — are disposed of on the continent every year. Kenya is no exception to this trend: it is estimated that every day the port of Mombasa receives thousands of electronic devices. These subsequently get sold on to businesses and other institutions, but their shelf life is approaching its end and most of this equipment lives out its final years in the country and is subsequently not adequately disposed of. Read more or join the discussion.

    Submitted by Katy Fentress — Mon, 07/29/2013 – 00:00

    Nearly everyone in India has a mobile phone these days. Rickshaw drivers slow their engines to answer calls en route. Streetside fruit sellers take orders with their mobiles. And women picking up trash in the road use their mobiles to keep tabs on their children. Yet the growing availability of new technologies raises concerns for environmentalists, who warn that e-waste can be extremely hazardous if not dealt with properly. A Times of India article says that old computers and electronics can lead to public health issues such as mercury poisoning or a possible stroke if they are simply dumped and left to pile up. Hazardous e-waste is part of a larger issue in urban India about the lack of waste management services — especially for hazardous industries including biomedical companies, oil refineries, and chemical industries —leading to serious environmental and health issues. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 07/29/2013 – 00:00

    The Tietê river is the State of São Paulo’s most important river. Its runs more than 1100 km and crosses almost the entire state from east to west. The river is particularly important to the city of São Paulo, as it marks its urban geography. Unfortunately, the river has been polluted for years due to the lack of care, especially from the São Paulo Metropolitan Region, which encompasses 37 municipalities and has around 20 million residents. The pollution of the river began in 1920 with the construction of various infrastructure projects in the city. Then, between the 1940s and 1970s, during the city’s expansion, the river started receiving industrial effluents and domestic sewage. Read more or join the discussion.

    Submitted by Catalina Gomez — Mon, 07/29/2013 – 00:00

    O Tietê é o rio mais importante do Estado de São Paulo. Com 1100 km, ele atravessa praticamente todo o estado de leste a oeste. O rio é particularmente importante para a cidade de São Paulo sendo que ele marca sua geografia urbana. Infelizmente o rio se encontra bastante poluído, devido a anos de descuido, principalmente na Região Metropolitana São Paulo que tem um total de 37 municípios e 20 milhões de moradores. O processo de degradação do rio começou na década de 1920 com a construção de algumas obras de infraestrutura na capital. A poluição industrial e esgotos domésticos tem origem principalmente no processo de expansão urbana ocorrido entre as décadas de 1940 e 1970. Leia mais o discutir.

    The Tietê river is the State of São Paulo’s most important river. Its runs more than 1100 km and crosses almost the entire state from east to west. The river is particularly important to the city of São Paulo, as it marks its urban geography. Unfortunately, the river has been polluted for years due to the lack of care, especially from the São Paulo Metropolitan Region, which encompasses 37 municipalities and has around 20 million residents. The pollution of the river began in 1920 with the construction of various infrastructure projects in the city. Then, between the 1940s and 1970s, during the city’s expansion, the river started receiving industrial effluents and domestic sewage. Read more or join the discussion.

    Submitted by Catalina Gomez — Mon, 07/29/2013 – 00:00

    Bangladesh is one of the world’s biggest ship dismantlers: about 52 percent of the world’s big ships are demolished each year near the coastline of Chittagong. Every year, these ship breaking industries earn around US$1 billion. More than 30,000 laborers, including men, women, and children, work in the city’s 70 shipyards companies. Though ship recycling is a profitable industry, ship breaking activities carry a real threat to the ambient environment and to workers, as the whole process entails a series of risky tasks and a number of hazardous substances. The demolition of ships is considered one of the most dangerous occupations in the world. Read more or join the discussion.

    Submitted by Editor — Mon, 07/29/2013 – 00:00

    Anyone comparing countries can quickly conclude there isn’t a direct fixed relationship between economic growth and quality public services. Per capita income can be terrible while total national income is high. Economic growth can be high yet maintain widespread inequality. This is not a sustainable way to run a country, yet this is how things are and have always been done in Brazil, the last country in the Americas to abolish slavery and today the world’s 7th largest economy where 21% of the population is still under the poverty line. Brazil today is 106th in GDP per capita. We also rank among the worst in inequality, at number 17, although this is a significant improvement over the 1st place position we occupied two decades ago. Read more.

    Submitted by Catalytic Communities — Thu, 06/20/2013 – 11:08

    I have just returned from the European Foundation Centre’s (EFC) annual meeting in Copenhagen. The organizing theme was “Sustainable Cities: Foundations and Our Urban Future”, which generated much welcome and critical discussion. The bulk of the meeting was not so much—perhaps counter-intuitively—on sustainability in an environmental sense, but in a social one. For example, how can foundations play a role in the support of people, communities and cities that are prosperous but also just, equitable and inclusive? These are clearly key to long- and perhaps even mid-term sustainability. For, as several people at the conference memorably said: we have to survive today… and tomorrow and next week if we hope to sustain ourselves all the way to next year, next decade, and next century. Read more.

    Submitted by David Maddox — Tue, 06/04/2013 – 16:32

    What is the city we want to create in the future? What is the city in which we want to live? Certainly that city is sustainable, since we want our cities to balance consumption and inputs to make a footprint that can last into the future. Certainly it is resilient, so our cities are still in existence after the next 100-year storm, now due every few years. And yet: as we build this vision we know that cities must also be livable. Indeed, we must view livability as the third indispensible—and arguably most important—leg supporting the cities of our dreams: resilient + sustainable + livable. Read more.

    Submitted by David Maddox — Wed, 05/22/2013 – 09:34

    The term Private Public Partnerships (PPP) in India is a dirty one. While partnerships present an opportunity for stakeholder collaboration that generate value by pooling of complementary expertise and resources, the practice in India has meant subcontracting of tasks and strategy by public sector to the private sector with little accountability or responsibilities on outcomes. The only driver of the partnership has been project finance and profits. This has been especially true in housing or slum redevelopment schemes from Dharavi in Mumbai to Katputali colony in Delhi driven by PPPs between city governments and large private developers. Maximizing the value of land while delivering maximum number of low-income housing are contradictory and misleading national policy objectives with fatal social outcomes. Read more.

    Submitted by Rakhi Mehra — Fri, 04/05/2013 – 04:51

  • URBim | for just and inclusive cities

    Jorge Bela, Gestor Comunitario de Cali

    Los fuertes movimientos migratorios del campo a la ciudad que han tenido lugar en toda Latinoamérica se han visto acentuados en Colombia por la emigración forzosa que han generado los conflictos armados. En Cali, la población pasó de unos 280.000 habitantes en 1950 a unos 2.300.000 en 2013, según datos del DANE. La mayor parte de los considerables flujos migratorios que reflejan estos datos tienen un origen rural. Los sentimientos y tradiciones comunitarias que unían a estos emigrantes en sus lugares de procedencia se difuminan considerablemente a su llegada a las grandes ciudades, pero no desaparecen del todo: se ven sustituidos por lazos de solidaridad por parte de personas, generalmente de su entorno familiar, que habiendo llegado con anterioridad tienen un mayor arraigo. Estas relaciones de solidaridad se extienden especialmente en el ámbito de la búsqueda de vivienda y de trabajo.

    La llegada a las zonas urbanas trae consigo necesariamente un impacto en los emigrantes, que deben adaptarse al nuevo entorno. Sin embargo, es importante destacar que los recién llegados también ejercen una influencia significativa en las ciudades en las que se establecen. En paralelo a las complejas consecuencias económicas y sociales del movimiento migratorio, éste también tiene un significativo impacto cultural. Las estrechas relaciones de solidaridad que forman entre los emigrantes son, precisamente, un claro ejemplo de este tipo de impactos. Constituyen un ámbito en el que perviven costumbres y tradiciones culturales, que facilitan la supervivencia y el arraigo en circunstancias a menudo muy adversas. En ocasiones, estas costumbres de origen rural pasan a formar parte del patrimonio común de las ciudades, que acaban por aceptarlas como propias. Este es el caso de las mingas en Cali.

    Minga es una palabra de origen quechua y que se refiere a una reunión de un colectivo para hacer un trabajo gratuito en común. De fuerte arraigo entre las comunidades indígenas y afrodescendientes del Valle del Cauca, se mantuvo como forma de ayuda mutua entre las redes informales de emigrantes de Cali. En el año 2012, la Alcaldía de Cali lanzó el programa Minga al Parque. Mediante este programa se atendió la demanda de las comunidades de que se repararan parques en las comunas que habían caído en un estado de deterioro hasta el punto de estar inutilizables. Con un presupuesto de 50 millones COP, administrados por la Secretaría de Deporte y Recreación, y con la colaboración de la Fundación Iberoamericana Al Arte (Fundiberarte) se intervino en siete parques, recuperándolos para su utilización por parte de las comunidades. Una media de 30 voluntarios participaron en esta innovadora forma de colaboración entre la ciudadanía y el gobierno municipal.

    De esta forma una institución de origen rural y tradicional, como es la minga, encontró una expresión urbana e innovadora en Cali, para beneficio de las comunidades. Minga al Parque ha tenido continuidad con iniciativas como Minga al Río, organizada por colectivos privados, en los que se movilizaron voluntarios para embellecer zonas cercanas al río de cara a los Juegos Mundiales celebrados en Cali a mediados de este año.

    Foto: Fundiberarte

    Jorge Bela, Cali Community Manager

    The huge migration from rural to urban areas that took place in Latin America during the last few decades was made even more significant in Colombia by the forced migrations caused by successive armed conflicts. In Cali, the population went from 280,000 in 1950 to 2,300,000 in 2013. As in the rest of the region, most of this massive increase in population was due to migration from rural areas. While the traditional links that glue together rural communities tend to weaken when immigrants reach the urban setting, they do not completely disappear. They are, in part, replaced by new solidarity networks, formed primarily by members of extended families who had arrived earlier and are able to provide support to the newcomers. Primarily, these networks provide assistance with housing and employment, the two most urgent needs they face.

    Cities soon impose new customs and ways of doing things on rural settlers, who face great pressure to adapt as quickly as possible. Nevertheless, newcomers also have a significant impact on the cities they move into. In addition to the complex economic and social consequences of the arrival of large numbers of people, immigrants also leave a cultural imprint. The close-knit solidarity networks create a framework for survival and adaptation under difficult circumstances, but they also provide an environment in which rural customs and traditions can subsist. At times, some of these customs and traditions are ultimately adopted by the host cities as their own. Such is the case of the minga in Cali.

    Minga is a term of Quechua origin. It refers to collective work voluntarily performed by members of the community for a common good. With a strong traditional use in the indigenous and Afro-descendant communities in the Valle del Cauca, it was kept alive as a means of mutual help within the immigrant communities in Cali. In 2012, the Cali city government noticed this traditional practice when some communities demanded the repair of local parks, which had fallen into decay to the point of being unusable. In order to meet this demand, the city government created the program Minga al Parque. The program had a budget of 50 million COP (about $25,000) and sought to mobilize the communities and some private NGOs, such as Fundacion Iberoamericana Al Arte (Fundiberarte). Seven parks were repaired and decorated, with an average of 30 volunteers for each step.

    The relatively small budget was the seed for an innovative form of collaboration between the municipal government, the communities, and local NGOs. Minga, a traditional and rural institution, found a new incarnation in a city as large as Cali, with a beneficial impact not only for the communities where it was kept alive, but for the city as a whole. Minga al Parque has been followed by Minga al Rio, sponsored by NGOs, to mobilize volunteers to clean the areas near the Cali River for the World Games held in Cali earlier this year.

    Foto: Fundiberarte

  • URBim | for just and inclusive cities

    A survey completed in five North American downtowns reveals a huge disparity regarding perceptions of Rio de Janeiro’s favelas. Catalytic Communities‘ first-ever Favela Perceptions Survey interviewed 300 North Americans next to mass transit stops in downtown Los Angeles, San Francisco, Chicago, New York, and Montreal in March 2012. Another 325 people were interviewed in Rio de Janeiro. All 300 North American respondents had heard of favelas prior to completing the survey. Of those who had never been to these communities, 79 percent viewed them unfavorably, whereas 72 percent of respondents who had visited favelas viewed them favorably. Learn more.

    Submitted by Catalytic Communities — Thu, 05/31/2012 – 01:00

    O Complexo da Maré é conhecido por ser uma das maiores favelas do Rio; esta composta por 16 comunidades onde moram mais de 130,000 pessoas. O bairro está localizado na zona norte da cidade, entre a Avenida Brasil e as Linhas Amarela e Vermelha. A Maré conta com poucos equipamentos sociais como escolas e postos de saúde, mas conta com um batalhão de Polícia Militar. Mais.

    Submitted by Catalina Gomez — Wed, 05/30/2012 – 01:00

    Rio de Janeiro has 6 million inhabitants, of whom an estimated 20 percent live in informal settlements. The number of favelas is still debated, as there are several ways of defining what constitutes a favela, but estimates range from 500 to 1000. Whatever the number, what Rio’s favelas have in common is that the great majority of them still lack basic urban services. These settlements also lack or have very poor social service provision, especially in the areas of health, education, and social assistance. The Morar Carioca program — understood by many to be the social legacy of the Olympic Games to be hosted in the city in 2016 — aims to urbanize more than 500 slums and benefit more than 320,000 households. Learn more.

    Submitted by Catalina Gomez — Thu, 05/24/2012 – 01:00

    Rio’s dramatic topography and rapid urbanization process have made the city more prone to certain types of environmental hazards, including landslides, erosion, and deforestation. When the Portuguese arrived in the city’s Guanabara Bay in 1501, the mountains were covered with thick Atlantic rainforest. In the ensuing years, as this protective covering has been stripped away to make room for settlements, the thin soils have become susceptible to landslides and the rock layer has been left exposed to weathering, making it more prone to erosion. In addition, the lack of drainage in many of the city’s poorest neighborhoods has contributed to excessive flooding during the summer rainy season. Learn more.

    Submitted by Catalina Gomez — Fri, 05/18/2012 – 01:00

    Community mapping is a process that involves communities in the production of diverse local information, knowledge, and resources. In neighborhoods around the globe, it has led to greater inclusion and empowerment of communities in their own development process, as local participants take part in planning, enumeration, and information gathering and processing exercises that were conducted previously only by experts. As the introduction of new technologies — including digital cameras, mobile phones, global positioning systems (GPS), and geographic information systems (GIS) — makes community mapping more sophisticated, it is also being used to identify risk areas or damaged urban infrastructure, with communities mobilizing to take appropriate action based on the data. Learn more.

    Submitted by Catalina Gomez — Thu, 05/10/2012 – 01:00

    Rio de Janeiro is one of the host cities for the World Cup to be held in Brazil in 2014 and is the host city for the Summer Olympic Games of 2016. In the meantime, Rio has the opportunity to boost its international image, leveraging its already world-renowned sites and the warmth of its residents. But beyond this temporary PR buzz, can such events lead to something more? Can these two major sports events contribute to long-term improvements to the life of Rio de Janeiro, including poverty alleviation and the promotion of opportunities for the city’s more disadvantaged populations? Learn more.

    Submitted by Catalina Gomez — Wed, 02/22/2012 – 00:00

    Rio de Janeiro é uma das cidades sede da Copa do Mundo de Futebol 2014 e dos Jogos Olímpicos 2016, o que significa uma grande oportunidade de se posicionar ainda melhor na esfera internacional, além de seus já conhecidos atributos naturais e da qualidade humana de seus moradores. Este debate apresenta a necessidade de um aproveitamento maior da Copa e dos Olímpicos para contribuir na melhoria da qualidade de vida da cidade no longo prazo, principalmente focando-se na redução da pobreza e na promoção de maiores oportunidades para a população carente. Learn more.

    Submitted by Catalina Gomez — Wed, 02/22/2012 – 00:00

    The 10,000 inhabitants of the Cantagalo and Pavão / Pavãozinho informal settlements, situated in the southern part of Rio de Janeiro, have recently begun to appreciate what it means to be connected to the formal city. Since mid-2010, they can access two elevators that connect their communities — located on two facing sides of one of Rio’s many hills — with the General Osorio metro station in Ipanema. The elevators also allow easy walking access to the commercial areas of Copacabana and Ipanema, Rio’s most important touristic destinations, where many of the informal residents go for work. Before the opening of the elevators, these communities could only be reached by a steep stairway of more than 700 steps, which locals had to climb and descend several times a day. Learn more.

    Submitted by Catalina Gomez — Tue, 02/21/2012 – 00:00

    Os 10,000 moradores das favelas Cantagalo e Pavão / Pavãozinho, localizadas nos morros da Zona Sul do Rio, têm iniciado recentemente a se sentir parte da cidade formal: desde junho 2010 eles tem aceso a dois elevadores que conectam suas comunidades com a estação do metrô General Osório em Ipanema. Os elevadores também facilitam o percurso da população das favelas nas áreas comerciais de Copacabana e Ipanema, umas das áreas turísticas mais importantes da cidade, onde muitas destas pessoas trabalham. Antes da construção dos elevadores, estas comunidades só podiam ser acessadas por escadas muito longas com mais de 700 degraus. Além de longas, o local estava em situação de completa degradação, com lixão a céu aberto, e total desordem urbana. Learn more.

    Submitted by Catalina Gomez — Tue, 02/21/2012 – 00:00

  • URBim | for just and inclusive cities

    Urban India can boggle the mind of even the most seasoned planners. The country’s economic growth has put metropolitan areas at the center of aspirations, causing widespread migration from rural villages and towns. With little urban planning on which to base the massive population growth, Mumbai has mushroomed chaotically. Transport, housing, water, sanitation, healthcare and education fall short of residents’ most basic needs. Few master plans have moved from theory to action. And frustrated citizens have grown increasingly wary of political inaction. Yet one government program, the country’s ambitious Aardhaar initiative — which aims to provide every citizen with a unique identification number — has the potential to return planning to foundational basics on which to base equitable urban development. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 05/06/2013 – 00:00

    Mumbai’s unique geography as a peninsula city has styled its expansion in ways dissimilar to other cities. Rapid population growth in other metropolises explodes outwards in multiple directions, forming suburban pockets in unpredictable bursts. In Mumbai, the only possibility is north, making the push away from the central business area more vast with continued expansion. The result for those living in the northern suburbs and on the edge of the city is a longer and longer train commute on one of only two rail lines. Yet studies have found that despite this natural growth pattern, the poor actually continue to work closer to home than their wealthier counterparts, calling into question the importance of connectivity to the traditional economic center of the city. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 04/29/2013 – 00:00

    Mumbai is a city of migrants. Millions of residents have journeyed to the island city from all around the country, bringing a rich diversity of languages, religions, and customs. They come with hopes and dreams of having more than they did in their jobless villages, toiling invisibly in all corners of the city. Many of these migrants are the foundation on which the city is built — literally. Construction is the single largest employer of migrant laborers in India’s cities. Both men and women — the poorest of the poor — spend endless hours laying down bricks, carrying cement, chopping away at old roads to bring home a meager living for their families, most of who live right at the sites. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 04/22/2013 – 00:00

    India’s poor have few media outlets of their own. Their struggles for housing, human rights, basic services, equality, and dignity are told in snippets on the nightly news and in newspaper columns. Their dreams and demands are relayed in brush strokes, leaving aside the important details that humanize their existence. Yet a most unlikely group — women in India’s brothels — have pioneered a monthly newspaper that gives voice to the women and children in the red light districts of India, and sets an example for a democratic movement toward giving the power of expression to the disenfranchised. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 04/15/2013 – 00:00

    Millions of people across the globe die of tuberculosis each year. Tragically, nearly all of these cases could have been cured. The public health threat hits hardest in the developing world, where 98 percent of TB deaths occur. Perhaps most unfortunate is the fact that a cost-effective strategy, DOTS (Directly Observed Treatment, Short-course), has been available for years, yet its promise remains unfulfilled. In Mumbai, the government has gone so far as to make treatments available for free. Yet TB continues to affect the city’s poor and vulnerable. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 04/08/2013 – 00:00

    The term Private Public Partnerships (PPP) in India is a dirty one. While partnerships present an opportunity for stakeholder collaboration that generate value by pooling of complementary expertise and resources, the practice in India has meant subcontracting of tasks and strategy by public sector to the private sector with little accountability or responsibilities on outcomes. The only driver of the partnership has been project finance and profits. This has been especially true in housing or slum redevelopment schemes from Dharavi in Mumbai to Katputali colony in Delhi driven by PPPs between city governments and large private developers. Maximizing the value of land while delivering maximum number of low-income housing are contradictory and misleading national policy objectives with fatal social outcomes. Read more.

    Submitted by Rakhi Mehra — Fri, 04/05/2013 – 04:51

    Event: Sankalp Forum
    17 April 2013 Mumbai, India

    Sankalp Forum’s annual summit was the first platform for social enterprises in India, and rapidly became the world’s largest. It is a convergence of global knowledge, investment and dialog geared towards building a more inclusive ecosystem for high impact, pro-poor businesses. Each year, it brings several social enterprises to the forefront, and connects them to enablers, mentors and crucial networks. In 2013, the Summit joined forces with Villgro’s Unconvention to consolidate the social enterprise space in India. Now called the Sankalp Unconvention Summit, it will be able to offer more new initiatives and focus more strongly on regional deep-dive. Learn more.

    As the city sleeps, a small army of “green soldiers” hits Mumbai’s streets. Wading through mounds of garbage outside apartment complexes, corporate parks, and retail outlets, the city’s rag pickers — often among the poorest residents — separate out recyclable materials that would otherwise unnecessarily add to the over-burdened city landfills. The rag pickers recycle waste to sell to scrap dealers, carrying out one of the simple and doable practices in dealing with the city’s alarming 9,200 metric tonnes of waste generated every day. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 03/25/2013 – 00:00

    The daily struggle for water consumes the lives of the poor. Women wait hours in line for water that is often of questionable quality, paying exorbitant rates — often much higher than richer urban dwellers. Contaminated water steals the lives of millions of children each year. Husbands miss valuable work days, and leftover savings is often spent on medical bills from waterborne illnesses. Read more or join the discussion.

    Submitted by Carlin Carr — Mon, 03/18/2013 – 01:00

    The Indian nation is determined to meet its goal on financial inclusion. How financially inclusive is the city of Mumbai?

    As the financial capital of the country, Mumbai, with a population of 18.8 million, has more than 1,600 bank branches. But when it comes to the poor and informal sector workforce, let’s see how it fares.

    Submitted by Rakhi Mehra — Tue, 03/12/2013 – 05:42

  • URBim | for just and inclusive cities

    Carlin Carr, Mumbai Community Manager

    At a recent sanitation roundtable discussion at the Observer Research Foundation (ORF), a public policy think tank in Mumbai, Chairman Sudheendra Kulkarni said that Mahatma Gandhi believed sanitation was more important than political independence. In 2010, the UN declared access to sanitation a human right. Despite the increased emphasis, says Dhaval Desai, a senior researcher at ORF, the two are rarely linked. “If one agrees that there is a connect between lack of access to clean and hygienic sanitation and global statistics on poverty, malnutrition, infant mortality, maternal health, diseases, education, and gender, then it is impossible to deny sanitation as an intrinsic human rights issue.” Desai, who specializes in water and sanitation issues, discussed with us the importance of this human rights issue and some promising ways forward.

    What is the current situation in Mumbai?

    The current situation in Mumbai is as bad as it is in the rest of India. Media reports quoting Municipal Corporation of Greater Mumbai (MCGM) data have shown recently that Mumbai has a provision of 10,381 public toilet facilities for its total population of nearly 13 million. Thus, against the WHO norms of availability of one toilet seat per 50 people, Mumbai has one toilet seat per 1,200 people. The situation is worse when you look at availability of public conveniences for women. Only 3,181 toilet seats of the total are for women, giving a ratio of one toilet seat per 1,800 women.

    Can you paint us a picture of what a typical slum dweller deals with each day in this regard?

    The situation is not as bad for men as it is for women and young girls. With a poor ratio of toilet seats to population, it is common to find long queues of men and women — with dabbas (water cans) in their hands, since many toilets do not have any running water — outside community toilet blocks, waiting for their turn. Many have to walk long distances from their homes to reach the toilet block.

    But this is only in slums where the toilets are maintained well and are usable. The condition of many community toilets is so pathetic that they are simply unusable. It is in such slums where open defecation is actually the preferred option. But this is also where the women and young girls become most vulnerable and are forced to venture out for their daily ablutions, looking for secluded spots in the neighbourhood under the cover of darkness. For the children, on the other hand, defecating in the open is an extremely common phenomenon, just a ‘way of life’.

    You recently held a roundtable discussion on sanitation at ORF Mumbai and came to a consensus that every home should have a toilet rather than community toilets. Why this is the best option and is it feasible?

    Access to toilets inside slum homes is the best and possibly the easiest and most scalable of options. There are examples of slum pockets across Mumbai where toilets do exist inside homes, and each of these slums tells an inspiring story of how toilets have actually brought about a silent social revolution in the lives of the residents. All of these toilets are as well-maintained as one can find in any good corporate office or an affluent home. The only difference is that these toilets and bathrooms do not have ‘designer’ fittings and toiletries.

    Slum improvement programs undertaken by organizations like Shelter Associates, a Pune-based NGO, on behalf of the State Government in the towns of Sangli and Miraj have also focused on provision of toilets inside homes as being the easiest and most feasible option.

    Could you tell us about one or two interesting sanitation initiatives in Mumbai?

    The Tulshetpada slum in Bhandup, a northern suburb of Mumbai, has witnessed a silent social revolution thanks to provision of toilets inside homes, by far the most striking sanitation initiative in the city. The other amazing success story is of the community toilet run by a community-based organization called Triratna Prerana Mandal (TPM) in the western Mumbai suburb of Santacruz. TPM took over the management of the toilet in 2001 under the MCGM’s Slum Sanitation Program, but has taken this work to high levels of social transformation. They run a self-help group for women, offer vocational training to the youth of the slum, run computer training classes on the terrace of the toilet, which also has a community kitchen preparing midday meals for 3,000 school children. The toilet gets all its water from a rainwater harvesting system and is powered 100 percent by solar energy. TPM’s community toilet is a glorious example of a toilet’s power of transformation. If only Mumbai can have hundreds more Tulshetpadas and TPMs.

    Photo credit: CDC Foundation

  • URBim | for just and inclusive cities

    The urban poor in the Global South lack access to banking and financial services, and women are disproportionately affected. They are less likely than men to hold a bank account, to take out a loan, or to borrow money. This is a detriment to development, since women are more likely to spend extra funds on their family, thereby improving food, education, and health. This series of articles profiles approaches to bridging the financial inclusion gender gap in São Paulo, Mexico City, Nairobi, Bangalore, and Dhaka. Read on to learn more, and then join the discussion below.

    Catalina Gomez, Coordenadora da Rede em São Paulo

    Segundo a Confederação Nacional da Indústria, mais de um terço da população brasileira acima de 16 anos (mais de 50 milhões) não possui conta bancária nem acesso a serviços financeiros de empréstimo e poupança. A maioria daquela população afetada tem baixa renda e pouca escolaridade. Tereza Campello, a Ministra de Desenvolvimento Social tem explicado varias vezes que “ao contrário do que se pensava, os desafios da inclusão financeira não são de distância, de acesso a rede, ou de falta de correspondentes bancários. Na realidade, a população está desinformada com relação ao seus direitos”. Campello também explicou que “muitas pessoas acham que para abrir uma conta corrente é preciso um depósito mínimo, evidenciando seu desconhecimento sobre a rede bancaria”.

    Tendo em conta a situação descrita pela Ministra, uma das principais prioridades do governo brasileiro durante vários anos, tem sido a redução de barreiras de informação e o desenho de produtos financeiros adequados para a população de baixa renda. Um dos principais mecanismos de promoção da inclusão financeira, especialmente para mulheres, tem sido Bolsa Família, o programa de transferências que beneficia a 13 milhões de famílias. O programa transfere mensalmente dinheiro para todas as famílias dependendo de seu nível de pobreza e número de crianças. O 93 por cento dos beneficiários direitos são mulheres, o que contribui no seu posicionamento e influencia dentro do núcleo familiar.

    “Bolsa” tem uma contribuição importante na primeira etapa da inclusão financeira ao abrir uma conta bancaria e entregar um cartão para cada família. Com o cartão, os beneficiários podem retirar o dinheiro transferido mensalmente pelo programa. Para muitos beneficiários, especialmente mulheres, esta é a primeira vez que tem aceso a uma conta bancaria, contribuindo a seu conhecimento básico do sistema bancario. Infelizmente, muitos beneficiários ainda retiram a totalidade de sua transferência a cada mês e não utilizam a conta como uma verdadeira conta corrente ou de poupança.

    Uma pesquisa recente sobre inclusão financeira dos beneficiários de Bolsa Família aplicada nas áreas de maior concentração de benefiarios, incluindo São Paulo e Rio de Janeiro, achou que a grande maioria dos beneficiários ainda não compreendem adequadamente as regras e procedimentos do sistema bancário precisando de maiores informações e educação sobre a matéria. A pesquisa também reportou que 65 por cento dos beneficiários têm celulares e embora o celular seja utilizado para encaminhar atualizações sobre o programa, ainda poderia ser utilizado para administrar o dinheiro e fazer pagamentos de serviços.

    Caixa, o Banco de apoio na execução do Bolsa Família esta desenvolvendo uma serie de pilotos nas cidades mencionadas com vídeos educativos sobre planejamento financeiro para multheres e suas famílias e para a operação de pequenas empresas. Também está expandindo a educação financeira das crianças para que elas estejam sensibilizadas sobre a importância da poupança e da administração responsável do dinheiro.

    Foto: Ministry of Social Development

    Catalina Gomez, São Paulo Community Manager

    The Brazilian National Industry Federation estimates that more than a third of the country’s population over the age of 16 (around 50 million people) doesn’t have a bank account and has no access to credit and saving services. The most affected are low-income populations, who have low levels of literacy and education. Tereza Campello, the Social Development Minister, has explained on various occasions that “against all odds, financial inclusion challenges are less related to distance, access to banking services, and lack of bank branches in remote areas, and much more related to the lack of adequate information about people’s rights.” Campello also added that “many low-income populations don’t have adequate information, as they think that opening a bank account requires a complex bureaucratic process and a minimum deposit. They feel that they cannot meet minimum requirements.”

    Given the situation described by the Minister, Brazil’s priority in recent years has been to reduce information barriers and to design financial products and services that are appropriate for low-income populations. One of the key mechanisms to support financial inclusion, especially for women, has been the Bolsa Família program — the cash transfer that benefits more than 13 million low-income families. The program transfers monthly stipends to each family depending on their poverty level and their number of children. In 93 percent of cases, women are the main recipients of these transfer, emboldening their voices and boosting their empowerment within the household.

    “Bolsa” contributes to the first stages of financial inclusion, as it provides a bank account and a card for each beneficiary family. With this card, beneficiaries can withdraw the cash that has been granted by the program. This is many women’s first time owning a bank account and a card; this initiative provides them with basic knowledge about the banking system and its operation. Unfortunately, most beneficiaries withdraw the full amount from their monthly deposit and don’t use their accounts as proper checking or saving accounts. Some families save the cash at home, while others spend it as soon as they withdraw it.

    A recent study of financial inclusion among Bolsa Família beneficiaries found that beneficiaries still don’t fully understand the rules and procedures of banking, demonstrating the need for better information regarding basic banking concepts and practices. The report also highlights that 65 percent of Bolsa Família beneficiaries have mobile phones, and although the phones are currently used to contact beneficiaries about program updates, they should also be used to allow easier resource management of their bank accounts, including to pay bills.

    Caixa, the bank that supports the implementation of Bolsa Família, is currently piloting educational campaigns. These include videos with accessible information on financial planning targeted to women and their families, and for the operation of small businesses. It is also extending educational campaigns to children in order to engage them early about the basic concepts of saving and adequate personal finance.

    Photo credit: Ministry of Social Development

    María Fernanda Carvallo, Gestor Comunitario de Mexico D.F.

    En el 2013 el Banco Mundial realizó un estudio junto con Global Findex (el Índice Global de Inclusión Financiera) confirmando grandes brechas de género en el tema de inclusión financiera. De acuerdo al Banco Mundial, las mujeres son 15 por ciento menos propensas de tener una cuenta bancaria, (la cifra es mayor en mujeres en condiciones de pobreza), lo que hace que este grupo sea muy vulnerable ante el tema. Este estudio demuestra que la inclusión financiera va más allá de la apertura de cuentas bancarias, como el acceso a sistemas de préstamo y ahorro, o el pertenecer a sistemas financieros formales que abren las puertas al ingreso proveniente de otras fuentes. Asli Demirguc-Kunt, Directora de Investigación del Banco Mundial afirma que “[s]in una cuenta, a las mujeres les cuesta más ahorrar formalmente y recibir subsidios gubernamentales o remesas de familiares que viven en el extranjero.” Las mujeres son el sustento de los hogares, por lo que la falta de inclusión financiera refleja poca independencia económica y dificultad al obtener ingresos por cuenta propia.

    En el estudio del Especial de Inclusión Financiera de Nextbillion y Ashoka Changemakers, CrediMUJER de Perú afirma que la inclusión financiera está relacionada con el reconocimiento de los derechos de las mujeres, el refuerzo de su autoestima, autonomía económica y control de su vida.

    En este contexto, Alcance Financiera brinda servicios crediticios a la mujer generadora de ingresos en condiciones de pobreza y vulnerabilidad—a través del apoyo a la actividad productiva se genera transformación en el contexto de las mujeres. El pago de los créditos es realizado a través de la generación de ingresos de la actividad productiva apoyada.

    Alcance Financiera y Pro Mujer son organizaciones subsidiarias del programa de educación financiera de la organización Freedom from Hunger (Libre de Hambre). El programa Credit with Education (Crédito con Educación) integra el acceso a las microfinanzas, combinado con enseñanzas educativas para las mujeres. El programa está basado en créditos comunitarios, incentivando a que las mujeres se unan en un grupo para recibir préstamos y así garantizar conjuntamente el pago. (En las reuniones de los grupos se depositan los pagos y los ahorros.) Además, se comparten aprendizajes y conocimientos a través de sesiones dinámicas y lúdicas sobre: mejores prácticas de negocios, diversificación de actividades emprendedoras, contabilidad básica, finanzas del hogar y estrategias de ahorro y préstamos.

    Un caso de éxito, se encuentra al norte de la Ciudad de México, en el que Pro Mujer y Credit with Education apoyaron a una pequeña tienda de abarrotes de la Señora Yolanda. La “tiendita” abastece al vecindario y a comunidades cercanas, por lo que la Señora Yolanda descubrió que mientras más productos tiene en inventario, más ganancias se generan y más gente se atrae. Un primer crédito de $167 dólares ($2.150 pesos) lo obtuvo de Pro Mujer para abastecer el inventario de la tienda; al pagar el crédito obtuvo $287 dólares ($3.700 pesos) más para incrementarlo. Como parte del crédito, la Señora Yolanda se incorporó al programa Credit with Education en el que ha logrado pagar los préstamos y ahorrar para la inversión en la educación de sus hijos.

    El propósito de estos programas es de incentivar a que las mujeres progresen. Esto requiere que las mujeres tomen decisiones financieras. Por otro lado, requiere que reflexionen acerca de las estrategias de crédito, de las circunstancias que las ameritan, y en las formas de ahorro y sus ventajas.

    Foto: Pro Mujer México

    María Fernanda Carvallo, Mexico City Community Manager

    In 2013, the World Bank conducted a study along with Global Findex (the Global Financial Inclusion Database) confirming the existence of large gender gaps with regard to financial inclusion. According to the World Bank, women are 15 percent less likely to have a bank account (the figure is higher for women living in poverty), making women as a whole more vulnerable to financial exclusion. This study demonstrates that financial inclusion is far more than just opening a bank account. It includes having access to borrowing and lending systems, and being a member of formal financial systems, allowing access to other sources of income. Asli Demirguc-Kunt, Investigative Director at the World Bank, stated that “without a bank account, women have a difficult time saving and receiving government subsidies or remittances from family members living abroad.” Women are the foundation of the home, so the lack of financial inclusion leads to a lack of economic independence.

    In a Nextbillion and Ashoka Changemakers study, “Financial Inclusion Special,” CrediMUJER of Peru states that financial inclusion is essential to the recognition of women’s rights, the strengthening of their self-esteem and economic autonomy, and their control over their own lives.

    In this context of financial exclusion, Alcance Financiera provides credit services to poor and vulnerable women who are income earners. Women launch income-generating activities that transform their lives and help them repay their credit payments.

    Alcance Financiera and Pro Mujer are subsidiary organizations of the financial education program at Freedom from Hunger. The Credit with Education program combines the access to microfinance with educational modules for women. The program is based on community credits, creating incentives for women to join a group in order to receive loans, and thus jointly to guarantee that payments are made. Payments and savings are collected at group meetings. In addition, knowledge and information is shared through dynamic and creative sessions on proper business practices, diversification of entrepreneurial activities, basic accounting, household finances, and saving and lending strategies.

    A financial inclusion success story can be found north of Mexico City, where Pro Mujer and Credit with Education supported a small grocery store owned by Mrs. Yolanda. The tiendita (small store) supplies the entire neighborhood and nearby communities with groceries. Mrs. Yolanda learned that by having a fully-stocked inventory, more people shopped at her store, and more profits were generated. She was able to obtain a loan of $167 dollars ($2,150 pesos) from Pro Mujer to restock her store’s inventory. Upon paying off her loan, she obtained an additional $287 dollars ($3,700 pesos) to help her with future costs. As part of the credit terms, Mrs. Yolanda joined the Credit with Education program, where she received help in paying off her loans and information on how to save for the future education of her children.

    The goal of these programs is to encourage women to transform their lives. This requires the women to make financial decisions; it requires them to reflect on their financial circumstances and where they stand, on credit strategies, and on saving methods and their benefits.

    Photo: Pro Mujer México

    Katy Fentress, Nairobi Community Manager

    In Kenyan communities that have little of the collateral needed to access credit, a common approach is to set up savings and investment associations known as “Chamas.”

    A Chama is an informal group, often composed of women, that follows a system by which everyone contributes money on a regular basis and in turn gets disbursed a fixed amount. The method evolved from the tradition of rural women grouping together and pooling their labor to work on each other’s farms.

    Over the past decades, Chamas have increased in popularity: women have embraced them not only to send their children to school, undertake household maintenance, and weather them through major events and crises, but also as engines with which to forward their entrepreneurial skills and invest in income-generating activities.

    As women’s priorities have changed, so have Chamas, which in time have evolved into recognized credit-worthy institutions. Major banks like Rafiki Microfinance, K-Rep, Barclays, Kenya Commercial Bank, and Bank of Africa have all begun to recognize the potential of Chamas and to create lending schemes focused on their needs.

    Smaller credit institutions that provide financial mentoring, tailor-made solutions, and a more grassroots approach to lending are also getting in on the game. In Nairobi, for example, a company called Creative Capital Solutions (CCS) has since 2006 been providing cash-flow solutions to female-run Micro, Small, and Medium Enterprises (MSMEs) and Chamas.

    “We initially used to also target men’s groups,” says Sadiq Dewani, the CCS Operations Director. “Unfortunately, men would all too often use the money for other purposes or turn out to be serial borrowers. We realized that women were more reliable earners and generally had around 60 percent to 70 percent returns on their investments, so we decided to cater our credit solutions specifically around their needs.”

    The objective of CCS is to offer fast, flexible and, above all, manageable solutions to women’s Chamas. “We aim to provide alternative, niche solutions for women who cannot find working capital from banks that have stringent requirements, rely on collateral, and do not offer flexible options catered around the groups’ needs,” explains Dewany, who says that although major banks do lend to Chamas, the system can be complicated and groups can easily get disheartened by all the bureaucracy. “With our approach we initially focus on providing a two-week financial training program; following this, we undertake individual group background checks in order to assess their ability to pay back loans, and if they are then accepted, we formalize the group and enable it to borrow from us.”

    Similarly to unsecured micro-finance loans, Chama lending usually has high interest rates. CCS has devised a methodology by which if groups pay back loans faster, they can reduce the amount they have to pay. According to Dewany, the system is working, and the fact that their repayment rates stand at around 85 percent is proof of this.

    CCS has over the years helped women’s Chamas set up irrigation schemes, flour mills, bakeries, tailors, hairdressers, and tea shops. In Nairobi, they currently work with 12 different women’s Chamas situated in different corners of the city. Their loans go from as low as 30,000Ksh- ($350) to as high as 300,000Ksh- ($3,500). They are currently in the process of mutating into an established Microfinance lending institution.

    “We are exploring options for increasing the level of training we undertake with individual groups,” concludes Dewani. “Although this might prove costly for us, we feel that the better trained our members are, the more they can make out of their money and, eventually, the more returns we will see.”

    Carlin Carr, Bangalore Community Manager

    The poor live in precarious circumstances on a daily basis. Unexpected illnesses or job losses that would put a strain on any family often leave the poor on the brink. With no access to the formal banking system, microloans have not only served to help in emergency situations, but have actually helped these families to build up savings and gain access to important, life-saving products. The loans, mainly to women, have expanded in purpose and scope since Grameen launched its rural banking system in the 1990s. Today, microfinance institutions such as Samasta in Bangalore have used the women’s groups that form the basis of lending to focus loans on other important intervention areas, including insurance, home gas connections, and water purifiers.

    Samasta started in Bangalore in 2008 and in just the first two years reached nearly 77,000 clients with a 99.97 percent repayment rate. Originally focusing on India’s southern states, the institution’s goal is to expand north and reach 1.8 million people by the end of this year. The bank’s focus is to “bridge the gap between ambition and achievement for the working poor across India, by providing financial and non-financial services in a sustainable, long-term relationship to enable them to achieve a better quality of life.” Samasta has had to expand its range of products in order to keep its clients as long-term customers.

    Some of the new products Samasta has added include:

    • Micro Health Insurance: The United Samasta Micro Health Insurance policy protects members and their families from burdensome costs due to unexpected medical emergencies.
    • LPG (Liquid Petroleum Gas) Loan: The LPG loan helps clients to move away from collecting firewood or accessing kerosene, both of which are highly polluting and dangerous to their health.
    • Water Purifier Loan: Not only can lack of access to safe drinking water be dangerous, the ongoing health impacts due to water-borne illnesses can take a large financial toll on families. This loan helps families access new safe-water technologies and products for their home.

    One client — 49-year-old Victoria, a grandmother — was selling fruit on the roadside. Her first micro loan with Samasta helped her to set up a fruit stall at the market, thereby increasing her income. Once she repaid her first loan, Victoria took out a second loan to invest in her granddaughter’s education. Samasta’s loans have empowered women such as Victoria to take control of her family’s health and well-being in a variety of ways, from education to household improvements to healthcare.

    No longer subject to rogue moneylenders, Victoria and thousands of others are taking incremental steps to improve their daily lives and expand opportunities for their own families as well as for the next generation. The growing importance of MFIs in the lives of the poor has moved the institutional role from one of expanding income opportunities to expanding opportunities to improve the overall quality of life. This is the new MFI in India.

    Photo credit: McKay Savage

    অনুবাদকঃ ফারজানা নওশিন এবং নুসরাত ইয়াসমিন

    বাংলাদেশের আর্থসামাজিক উন্নতির জন্য মহিলাদের অর্থনীতিতে অংশগ্রহণ প্রধান চাবিকাঠি। শহরাঞ্চলের মহিলারা বিশেষত যারা ঢাকায় বাস করেন, তারা প্রতিনিয়ত বিভিন্ন জটিল সমস্যার মুখোমুখি হন যেমন নারী সহিংসতা, অপুষ্টি এবং গর্ভকালীন শারীরিক জতিলতা; এসকল সমস্যার অন্যতম কারণ নারীদের অনেকসময়ই পরিবারের অর্থনৈতিক সিদ্ধান্ত নেয়া থেকে বঞ্চিত করা হয়। মহিলারা ঘরের সকল কাজ করে এবং ঘরের বাইরেও তাদের কাজের সুযোগ ও চাহিদা বেড়ে যাচ্ছে; কিন্তু এসকল কাজের বিনিময়ে তাদের উপযুক্ত মজুরি দেয়া হচ্ছে না। সুতরাং, বাংলাদেশ এবং অন্যান্য উন্নয়নশীল দেশের অর্থনৈতিক বৃদ্ধি নিশ্চিত করার জন্য অর্থনীতিতে মহিলাদের অংশগ্রহন অত্যন্ত প্রয়োজনীয় এবং তাদের অংশগ্রহণের জন্য যথাশীঘ্র প্রয়োজনীয় আইন তৈরি করা উচিত।

    ঢাকার বস্তিতে বসবাসরত মহিলারা সাধারণত অর্থনৈতিক ব্যাবস্থার ব্যাবহার সঠিক ভাবে করতে পারেন না; অপরুন্তু ডোনার এবং এন জি ও এর কাছ থেকে যে পরিমান অর্থ আসে তা এই বস্তির মহিলারা পান না, কারণ ডোনার এবং এন জি ও এসব বস্তি মূল্যায়ন করে না। এসব মহিলারা কোন ধনশম্পত্তিও পান না এবং তারের কোন ভুমি অধিকারও থাকে নাহ। বস্তুত, খাদ্য এবং কৃষি জরিপ অনুযায়ী বাংলাদেশে কেবল ২% মহিলা ভুমির মালিক, যা প্রতিবেশী দেশগুলোর তুলনায় অত্যন্ত কম। মহিলারা পার্লামেন্টে এবং অন্যান্য কর্মক্ষেত্রে এখন কাজ করলেও ভূমিমালিকাধীন নারীর সংখ্যা এখনো অনেক কম, যা অর্থনৈতিক নিরাপত্তা রক্ষায় অত্যন্ত গুরুত্বপূর্ণ।

    মহিলাদের ভুমিঅধিকার তাদেরকে অর্থনৈতিক ভাবে সবল করে তুলবে এবং তাদেরকে আত্মবিশ্বাসী করে তুলবে কর্মস্থলে সহকর্মীদের সাথে কাধে কাধ মিলিয়ে কাজ করার। বাংলাদেশে ব্রাক এবং বাংলাদেশ ব্যাংক মহিলাদের ভূমিমালিকানা নিয়ে সক্রিয় ভাবে কাজ করছে। ঢাকার বস্তিবাসীদের এলাকায় চরম দারিদ্র্য মোকাবেলার, ব্র্যাক “দারিদ্র্য হ্রাস এর সীমানা চ্যালেঞ্জিং” তার প্রোগ্রাম শুরু করছে যা ২০০২ সালের টার্গেটিং আল্ট্রা খারাপ (TUP) এর একটি অংশ।এটির মিশন চরম দারিদ্রে বাস করা মানুষদের অর্থনৈতিক এবং সামাজিক ক্ষমতার উন্নয়ন করা। এটি প্রথমে গ্রামকেন্দ্রিক প্রোজেক্ট ছিল কিন্তু এর সাফল্যর জন্য এটি এখন শহরাঞ্চলেও কাজ করে। টি ইউ পি প্রোজেক্ট মহিলাদের উপর বেশী প্রাধান্য দেয় কারণ ব্রাক বিশ্বাস করে যেহেতু মহিলারা সবসময়ই ঘরের কাজ করে এবং কম অর্থের অধিকারী হয় তাই তাদের কথার সমাজে মূল্যায়ন পাওয়ার সম্ভাবনা বেশী।

    প্রকল্প শুরু করার আগে, ঢাকার সবচেয়ে অসহায় মহিলাদের সনাক্ত করার জন্য ঢাকার জুরাইন ও মোহাম্মদপুর এলাকাই একটি জরিপ চালানো হয়। এই দুই বস্তি থেকে প্রাথমিকভাবে ১০০ পরিবারকে বাছাই করা হয়, এবং ২০১২ সালের এপ্রিলে আরও তেরটি ভিন্ন বস্তিকে এই প্রোগ্রামের অন্তর্ভুক্ত করা হয়। এই বস্তিগুলোর মধ্য থেকে টিইউপি প্রোগ্রাম এমন ৩০০ পরিবারকে নির্বাচন করে যার সদস্যরা দীর্ঘস্থায়ী ক্ষুধা, অপর্যাপ্ত আশ্রয়, এবং শহুরে ও মৌলিক সুবিধা থেকে বঞ্চিত। নির্বাচিত নারীদের সম্পদ স্থানান্তর, এন্টারপ্রাইজ উন্নয়ন ও পৃষ্ঠপোষকতার উপর প্রশিক্ষণ দেওয়া হয়। ব্র্যাকের এই প্রোগ্রামের উপর তৈরীকৃত মূল্যায়ন প্রতিবেদন থেকে দেখা যাই, মহিলাদের মধ্যে সম্পদ স্থানান্থরের পরেও সম্পদ ধারণের ক্ষেত্রে উল্লেখযোগ্য উন্নতি হয়েছে। সম্পদ স্থানান্থর, টিইউপি প্রোগ্রামের একটি গুরুত্বপূর্ণ অঙ্গ কারণ এটি মহিলাদের পশু-মালিক হতে এবং ব্যবসায় মূলধন নিয়োগের সুযোগ সৃষ্টি করে দেয়। প্রশিক্ষিত হওয়ার পর মহিলারা টিইউপি প্রোগ্রামের পৃষ্ঠপোষকতায় নিজস্ব ব্যবসা শুরু করতে পারেন।

    যদিও আরবান টিইউপি প্রোগ্রাম এখনো প্রাথমিক অবস্থায় রয়েছে, এরই মধ্যে তা সুবিধাভোগীদের জীবনে ইতিবাচক প্রভাবী হিসেবে প্রমাণিত করেছে। উদাহরণস্বরূপ, এক মহিলা চা ব্যবসায়ী টিইউপি প্রোগ্রামের পৃষ্ঠপোষকতায় তার আয় স্বল্পসময়ে ১০০ টাকা থেকে ৪০০ টাকায় উন্নীত করেছে। উপরন্তু, প্রোগ্রামের স্বাস্থ্য বিভাগ মহিলাদের সুস্থ ও সক্রিয় রাখবার জন্য স্বাস্থ্য সুবিধা প্রদান করে যাচ্ছে যাতে কেউ যেন মাঝপথে কাজ ছেড়ে না দেয়। এক কথায়, ব্র্যাকের আরবান টিইউপি প্রোগ্রামের প্রশিক্ষণ ও আর্থিক ইনসেনটিভ শক্তি প্রমাণ করে, আর্থ-সামাজিক অবস্থান ও ঢাকার জমি মালিকানা সুযোগ সৃষ্টির মাধ্যমে নারীর ক্ষমতায়ন সম্ভব।

    Photo credit: BRAC Communications

    Syeda Ahmed and Rubina Akter, Dhaka Community Managers

    Finding ways to financially include women is one of the major keys to socio-economic development in Bangladesh. While women are usually responsible for household labor and increasingly for outside work and wages, they generally do not receive equal recognition or pay for their labor. In fact, according to a Food and Agricultural survey, only two percent of the women in Bangladesh own land, which is very low compared to neighboring countries. Despite women’s notable representation in the workforce, their lack of access to land ownership is one of the fundamental barriers to financial stability. Financial inclusion is therefore a high-priority policy goal for Bangladesh in order to ensure stable and equitable economic growth.

    BRAC and the Bangladesh Bank are helping women gain access to financial services and land ownership. Women living in Dhaka’s slums, in particular, have very limited access to financial services, as little aid comes from the government and NGOs because the slums are not officially recognized. These women do not have access to wealth and savings, and land rights are usually totally absent. To address this problem, BRAC initiated “Challenging the Frontiers of Poverty Reduction” (CFPR) in 2010, a part of the Targeting Ultra Poor (TUP) program. Its mission is to strengthen the economic and social capacities of the people who live in extreme poverty. Initially, the TUP program was rurally based, but the huge success of the project led to its expansion into urban areas. The Urban TUP program is focused on women since BRAC believes that women have less access to wealth than men, but a greater potential to influence social standards.

    Before starting the project, a survey was conducted to select the areas with the most vulnerable women in Dhaka, resulting in the selection of Jurain and Mohammadpur districts. The pilot program started off with one hundred households from these two slums. By April 2012, the program had grown to include 13 different slums. Within these slums, the TUP program selects 300 families whose members are suffering from chronic hunger, inadequate shelter, and lack of access to basic facilities. The selected women were given training in assets transfer, enterprise development, and support for enterprise. According to BRAC’s impact assessment report of the program, there is a significant improvement in participating women’s holding assets. Asset transfer is a particularly important component of the TUP strategy, as it allows women to own livestock and have business inputs. After being trained, women can then start their own businesses, supported by the TUP program.

    Although the Urban TUP program is fairly recent, it already has had a huge impact on its beneficiaries’ lives. For example, one woman who has a tea business supported by the TUP program increased her income from 100 ($1.25) taka to 400 ($5) taka within a short time. In addition, the health module of the program provides health facilities, helping the women remain active and reducing sick days. In all, BRAC’s Urban TUP program demonstrates the power of training and financial incentives in empowering women through socio-economic status and land ownership in Dhaka.

    Photo credit: BRAC Communications

  • URBim | for just and inclusive cities

    The urban poor in the Global South lack access to banking and financial services, and women are disproportionately affected. They are less likely than men to hold a bank account, to take out a loan, or to borrow money. This is a detriment to development, since women are more likely to spend extra funds on their family, thereby improving food, education, and health. This series of articles profiles approaches to bridging the financial inclusion gender gap in São Paulo, Mexico City, Nairobi, Bangalore, and Dhaka. Read on to learn more, and then join the discussion below.

    Catalina Gomez, Coordenadora da Rede em São Paulo

    Segundo a Confederação Nacional da Indústria, mais de um terço da população brasileira acima de 16 anos (mais de 50 milhões) não possui conta bancária nem acesso a serviços financeiros de empréstimo e poupança. A maioria daquela população afetada tem baixa renda e pouca escolaridade. Tereza Campello, a Ministra de Desenvolvimento Social tem explicado varias vezes que “ao contrário do que se pensava, os desafios da inclusão financeira não são de distância, de acesso a rede, ou de falta de correspondentes bancários. Na realidade, a população está desinformada com relação ao seus direitos”. Campello também explicou que “muitas pessoas acham que para abrir uma conta corrente é preciso um depósito mínimo, evidenciando seu desconhecimento sobre a rede bancaria”.

    Tendo em conta a situação descrita pela Ministra, uma das principais prioridades do governo brasileiro durante vários anos, tem sido a redução de barreiras de informação e o desenho de produtos financeiros adequados para a população de baixa renda. Um dos principais mecanismos de promoção da inclusão financeira, especialmente para mulheres, tem sido Bolsa Família, o programa de transferências que beneficia a 13 milhões de famílias. O programa transfere mensalmente dinheiro para todas as famílias dependendo de seu nível de pobreza e número de crianças. O 93 por cento dos beneficiários direitos são mulheres, o que contribui no seu posicionamento e influencia dentro do núcleo familiar.

    “Bolsa” tem uma contribuição importante na primeira etapa da inclusão financeira ao abrir uma conta bancaria e entregar um cartão para cada família. Com o cartão, os beneficiários podem retirar o dinheiro transferido mensalmente pelo programa. Para muitos beneficiários, especialmente mulheres, esta é a primeira vez que tem aceso a uma conta bancaria, contribuindo a seu conhecimento básico do sistema bancario. Infelizmente, muitos beneficiários ainda retiram a totalidade de sua transferência a cada mês e não utilizam a conta como uma verdadeira conta corrente ou de poupança.

    Uma pesquisa recente sobre inclusão financeira dos beneficiários de Bolsa Família aplicada nas áreas de maior concentração de benefiarios, incluindo São Paulo e Rio de Janeiro, achou que a grande maioria dos beneficiários ainda não compreendem adequadamente as regras e procedimentos do sistema bancário precisando de maiores informações e educação sobre a matéria. A pesquisa também reportou que 65 por cento dos beneficiários têm celulares e embora o celular seja utilizado para encaminhar atualizações sobre o programa, ainda poderia ser utilizado para administrar o dinheiro e fazer pagamentos de serviços.

    Caixa, o Banco de apoio na execução do Bolsa Família esta desenvolvendo uma serie de pilotos nas cidades mencionadas com vídeos educativos sobre planejamento financeiro para multheres e suas famílias e para a operação de pequenas empresas. Também está expandindo a educação financeira das crianças para que elas estejam sensibilizadas sobre a importância da poupança e da administração responsável do dinheiro.

    Foto: Ministry of Social Development

    Catalina Gomez, São Paulo Community Manager

    The Brazilian National Industry Federation estimates that more than a third of the country’s population over the age of 16 (around 50 million people) doesn’t have a bank account and has no access to credit and saving services. The most affected are low-income populations, who have low levels of literacy and education. Tereza Campello, the Social Development Minister, has explained on various occasions that “against all odds, financial inclusion challenges are less related to distance, access to banking services, and lack of bank branches in remote areas, and much more related to the lack of adequate information about people’s rights.” Campello also added that “many low-income populations don’t have adequate information, as they think that opening a bank account requires a complex bureaucratic process and a minimum deposit. They feel that they cannot meet minimum requirements.”

    Given the situation described by the Minister, Brazil’s priority in recent years has been to reduce information barriers and to design financial products and services that are appropriate for low-income populations. One of the key mechanisms to support financial inclusion, especially for women, has been the Bolsa Família program — the cash transfer that benefits more than 13 million low-income families. The program transfers monthly stipends to each family depending on their poverty level and their number of children. In 93 percent of cases, women are the main recipients of these transfer, emboldening their voices and boosting their empowerment within the household.

    “Bolsa” contributes to the first stages of financial inclusion, as it provides a bank account and a card for each beneficiary family. With this card, beneficiaries can withdraw the cash that has been granted by the program. This is many women’s first time owning a bank account and a card; this initiative provides them with basic knowledge about the banking system and its operation. Unfortunately, most beneficiaries withdraw the full amount from their monthly deposit and don’t use their accounts as proper checking or saving accounts. Some families save the cash at home, while others spend it as soon as they withdraw it.

    A recent study of financial inclusion among Bolsa Família beneficiaries found that beneficiaries still don’t fully understand the rules and procedures of banking, demonstrating the need for better information regarding basic banking concepts and practices. The report also highlights that 65 percent of Bolsa Família beneficiaries have mobile phones, and although the phones are currently used to contact beneficiaries about program updates, they should also be used to allow easier resource management of their bank accounts, including to pay bills.

    Caixa, the bank that supports the implementation of Bolsa Família, is currently piloting educational campaigns. These include videos with accessible information on financial planning targeted to women and their families, and for the operation of small businesses. It is also extending educational campaigns to children in order to engage them early about the basic concepts of saving and adequate personal finance.

    Photo credit: Ministry of Social Development

    María Fernanda Carvallo, Gestor Comunitario de Mexico D.F.

    En el 2013 el Banco Mundial realizó un estudio junto con Global Findex (el Índice Global de Inclusión Financiera) confirmando grandes brechas de género en el tema de inclusión financiera. De acuerdo al Banco Mundial, las mujeres son 15 por ciento menos propensas de tener una cuenta bancaria, (la cifra es mayor en mujeres en condiciones de pobreza), lo que hace que este grupo sea muy vulnerable ante el tema. Este estudio demuestra que la inclusión financiera va más allá de la apertura de cuentas bancarias, como el acceso a sistemas de préstamo y ahorro, o el pertenecer a sistemas financieros formales que abren las puertas al ingreso proveniente de otras fuentes. Asli Demirguc-Kunt, Directora de Investigación del Banco Mundial afirma que “[s]in una cuenta, a las mujeres les cuesta más ahorrar formalmente y recibir subsidios gubernamentales o remesas de familiares que viven en el extranjero.” Las mujeres son el sustento de los hogares, por lo que la falta de inclusión financiera refleja poca independencia económica y dificultad al obtener ingresos por cuenta propia.

    En el estudio del Especial de Inclusión Financiera de Nextbillion y Ashoka Changemakers, CrediMUJER de Perú afirma que la inclusión financiera está relacionada con el reconocimiento de los derechos de las mujeres, el refuerzo de su autoestima, autonomía económica y control de su vida.

    En este contexto, Alcance Financiera brinda servicios crediticios a la mujer generadora de ingresos en condiciones de pobreza y vulnerabilidad—a través del apoyo a la actividad productiva se genera transformación en el contexto de las mujeres. El pago de los créditos es realizado a través de la generación de ingresos de la actividad productiva apoyada.

    Alcance Financiera y Pro Mujer son organizaciones subsidiarias del programa de educación financiera de la organización Freedom from Hunger (Libre de Hambre). El programa Credit with Education (Crédito con Educación) integra el acceso a las microfinanzas, combinado con enseñanzas educativas para las mujeres. El programa está basado en créditos comunitarios, incentivando a que las mujeres se unan en un grupo para recibir préstamos y así garantizar conjuntamente el pago. (En las reuniones de los grupos se depositan los pagos y los ahorros.) Además, se comparten aprendizajes y conocimientos a través de sesiones dinámicas y lúdicas sobre: mejores prácticas de negocios, diversificación de actividades emprendedoras, contabilidad básica, finanzas del hogar y estrategias de ahorro y préstamos.

    Un caso de éxito, se encuentra al norte de la Ciudad de México, en el que Pro Mujer y Credit with Education apoyaron a una pequeña tienda de abarrotes de la Señora Yolanda. La “tiendita” abastece al vecindario y a comunidades cercanas, por lo que la Señora Yolanda descubrió que mientras más productos tiene en inventario, más ganancias se generan y más gente se atrae. Un primer crédito de $167 dólares ($2.150 pesos) lo obtuvo de Pro Mujer para abastecer el inventario de la tienda; al pagar el crédito obtuvo $287 dólares ($3.700 pesos) más para incrementarlo. Como parte del crédito, la Señora Yolanda se incorporó al programa Credit with Education en el que ha logrado pagar los préstamos y ahorrar para la inversión en la educación de sus hijos.

    El propósito de estos programas es de incentivar a que las mujeres progresen. Esto requiere que las mujeres tomen decisiones financieras. Por otro lado, requiere que reflexionen acerca de las estrategias de crédito, de las circunstancias que las ameritan, y en las formas de ahorro y sus ventajas.

    Foto: Pro Mujer México

    María Fernanda Carvallo, Mexico City Community Manager

    In 2013, the World Bank conducted a study along with Global Findex (the Global Financial Inclusion Database) confirming the existence of large gender gaps with regard to financial inclusion. According to the World Bank, women are 15 percent less likely to have a bank account (the figure is higher for women living in poverty), making women as a whole more vulnerable to financial exclusion. This study demonstrates that financial inclusion is far more than just opening a bank account. It includes having access to borrowing and lending systems, and being a member of formal financial systems, allowing access to other sources of income. Asli Demirguc-Kunt, Investigative Director at the World Bank, stated that “without a bank account, women have a difficult time saving and receiving government subsidies or remittances from family members living abroad.” Women are the foundation of the home, so the lack of financial inclusion leads to a lack of economic independence.

    In a Nextbillion and Ashoka Changemakers study, “Financial Inclusion Special,” CrediMUJER of Peru states that financial inclusion is essential to the recognition of women’s rights, the strengthening of their self-esteem and economic autonomy, and their control over their own lives.

    In this context of financial exclusion, Alcance Financiera provides credit services to poor and vulnerable women who are income earners. Women launch income-generating activities that transform their lives and help them repay their credit payments.

    Alcance Financiera and Pro Mujer are subsidiary organizations of the financial education program at Freedom from Hunger. The Credit with Education program combines the access to microfinance with educational modules for women. The program is based on community credits, creating incentives for women to join a group in order to receive loans, and thus jointly to guarantee that payments are made. Payments and savings are collected at group meetings. In addition, knowledge and information is shared through dynamic and creative sessions on proper business practices, diversification of entrepreneurial activities, basic accounting, household finances, and saving and lending strategies.

    A financial inclusion success story can be found north of Mexico City, where Pro Mujer and Credit with Education supported a small grocery store owned by Mrs. Yolanda. The tiendita (small store) supplies the entire neighborhood and nearby communities with groceries. Mrs. Yolanda learned that by having a fully-stocked inventory, more people shopped at her store, and more profits were generated. She was able to obtain a loan of $167 dollars ($2,150 pesos) from Pro Mujer to restock her store’s inventory. Upon paying off her loan, she obtained an additional $287 dollars ($3,700 pesos) to help her with future costs. As part of the credit terms, Mrs. Yolanda joined the Credit with Education program, where she received help in paying off her loans and information on how to save for the future education of her children.

    The goal of these programs is to encourage women to transform their lives. This requires the women to make financial decisions; it requires them to reflect on their financial circumstances and where they stand, on credit strategies, and on saving methods and their benefits.

    Photo: Pro Mujer México

    Katy Fentress, Nairobi Community Manager

    In Kenyan communities that have little of the collateral needed to access credit, a common approach is to set up savings and investment associations known as “Chamas.”

    A Chama is an informal group, often composed of women, that follows a system by which everyone contributes money on a regular basis and in turn gets disbursed a fixed amount. The method evolved from the tradition of rural women grouping together and pooling their labor to work on each other’s farms.

    Over the past decades, Chamas have increased in popularity: women have embraced them not only to send their children to school, undertake household maintenance, and weather them through major events and crises, but also as engines with which to forward their entrepreneurial skills and invest in income-generating activities.

    As women’s priorities have changed, so have Chamas, which in time have evolved into recognized credit-worthy institutions. Major banks like Rafiki Microfinance, K-Rep, Barclays, Kenya Commercial Bank, and Bank of Africa have all begun to recognize the potential of Chamas and to create lending schemes focused on their needs.

    Smaller credit institutions that provide financial mentoring, tailor-made solutions, and a more grassroots approach to lending are also getting in on the game. In Nairobi, for example, a company called Creative Capital Solutions (CCS) has since 2006 been providing cash-flow solutions to female-run Micro, Small, and Medium Enterprises (MSMEs) and Chamas.

    “We initially used to also target men’s groups,” says Sadiq Dewani, the CCS Operations Director. “Unfortunately, men would all too often use the money for other purposes or turn out to be serial borrowers. We realized that women were more reliable earners and generally had around 60 percent to 70 percent returns on their investments, so we decided to cater our credit solutions specifically around their needs.”

    The objective of CCS is to offer fast, flexible and, above all, manageable solutions to women’s Chamas. “We aim to provide alternative, niche solutions for women who cannot find working capital from banks that have stringent requirements, rely on collateral, and do not offer flexible options catered around the groups’ needs,” explains Dewany, who says that although major banks do lend to Chamas, the system can be complicated and groups can easily get disheartened by all the bureaucracy. “With our approach we initially focus on providing a two-week financial training program; following this, we undertake individual group background checks in order to assess their ability to pay back loans, and if they are then accepted, we formalize the group and enable it to borrow from us.”

    Similarly to unsecured micro-finance loans, Chama lending usually has high interest rates. CCS has devised a methodology by which if groups pay back loans faster, they can reduce the amount they have to pay. According to Dewany, the system is working, and the fact that their repayment rates stand at around 85 percent is proof of this.

    CCS has over the years helped women’s Chamas set up irrigation schemes, flour mills, bakeries, tailors, hairdressers, and tea shops. In Nairobi, they currently work with 12 different women’s Chamas situated in different corners of the city. Their loans go from as low as 30,000Ksh- ($350) to as high as 300,000Ksh- ($3,500). They are currently in the process of mutating into an established Microfinance lending institution.

    “We are exploring options for increasing the level of training we undertake with individual groups,” concludes Dewani. “Although this might prove costly for us, we feel that the better trained our members are, the more they can make out of their money and, eventually, the more returns we will see.”

    Carlin Carr, Bangalore Community Manager

    The poor live in precarious circumstances on a daily basis. Unexpected illnesses or job losses that would put a strain on any family often leave the poor on the brink. With no access to the formal banking system, microloans have not only served to help in emergency situations, but have actually helped these families to build up savings and gain access to important, life-saving products. The loans, mainly to women, have expanded in purpose and scope since Grameen launched its rural banking system in the 1990s. Today, microfinance institutions such as Samasta in Bangalore have used the women’s groups that form the basis of lending to focus loans on other important intervention areas, including insurance, home gas connections, and water purifiers.

    Samasta started in Bangalore in 2008 and in just the first two years reached nearly 77,000 clients with a 99.97 percent repayment rate. Originally focusing on India’s southern states, the institution’s goal is to expand north and reach 1.8 million people by the end of this year. The bank’s focus is to “bridge the gap between ambition and achievement for the working poor across India, by providing financial and non-financial services in a sustainable, long-term relationship to enable them to achieve a better quality of life.” Samasta has had to expand its range of products in order to keep its clients as long-term customers.

    Some of the new products Samasta has added include:

    • Micro Health Insurance: The United Samasta Micro Health Insurance policy protects members and their families from burdensome costs due to unexpected medical emergencies.
    • LPG (Liquid Petroleum Gas) Loan: The LPG loan helps clients to move away from collecting firewood or accessing kerosene, both of which are highly polluting and dangerous to their health.
    • Water Purifier Loan: Not only can lack of access to safe drinking water be dangerous, the ongoing health impacts due to water-borne illnesses can take a large financial toll on families. This loan helps families access new safe-water technologies and products for their home.

    One client — 49-year-old Victoria, a grandmother — was selling fruit on the roadside. Her first micro loan with Samasta helped her to set up a fruit stall at the market, thereby increasing her income. Once she repaid her first loan, Victoria took out a second loan to invest in her granddaughter’s education. Samasta’s loans have empowered women such as Victoria to take control of her family’s health and well-being in a variety of ways, from education to household improvements to healthcare.

    No longer subject to rogue moneylenders, Victoria and thousands of others are taking incremental steps to improve their daily lives and expand opportunities for their own families as well as for the next generation. The growing importance of MFIs in the lives of the poor has moved the institutional role from one of expanding income opportunities to expanding opportunities to improve the overall quality of life. This is the new MFI in India.

    Photo credit: McKay Savage

    অনুবাদকঃ ফারজানা নওশিন এবং নুসরাত ইয়াসমিন

    বাংলাদেশের আর্থসামাজিক উন্নতির জন্য মহিলাদের অর্থনীতিতে অংশগ্রহণ প্রধান চাবিকাঠি। শহরাঞ্চলের মহিলারা বিশেষত যারা ঢাকায় বাস করেন, তারা প্রতিনিয়ত বিভিন্ন জটিল সমস্যার মুখোমুখি হন যেমন নারী সহিংসতা, অপুষ্টি এবং গর্ভকালীন শারীরিক জতিলতা; এসকল সমস্যার অন্যতম কারণ নারীদের অনেকসময়ই পরিবারের অর্থনৈতিক সিদ্ধান্ত নেয়া থেকে বঞ্চিত করা হয়। মহিলারা ঘরের সকল কাজ করে এবং ঘরের বাইরেও তাদের কাজের সুযোগ ও চাহিদা বেড়ে যাচ্ছে; কিন্তু এসকল কাজের বিনিময়ে তাদের উপযুক্ত মজুরি দেয়া হচ্ছে না। সুতরাং, বাংলাদেশ এবং অন্যান্য উন্নয়নশীল দেশের অর্থনৈতিক বৃদ্ধি নিশ্চিত করার জন্য অর্থনীতিতে মহিলাদের অংশগ্রহন অত্যন্ত প্রয়োজনীয় এবং তাদের অংশগ্রহণের জন্য যথাশীঘ্র প্রয়োজনীয় আইন তৈরি করা উচিত।

    ঢাকার বস্তিতে বসবাসরত মহিলারা সাধারণত অর্থনৈতিক ব্যাবস্থার ব্যাবহার সঠিক ভাবে করতে পারেন না; অপরুন্তু ডোনার এবং এন জি ও এর কাছ থেকে যে পরিমান অর্থ আসে তা এই বস্তির মহিলারা পান না, কারণ ডোনার এবং এন জি ও এসব বস্তি মূল্যায়ন করে না। এসব মহিলারা কোন ধনশম্পত্তিও পান না এবং তারের কোন ভুমি অধিকারও থাকে নাহ। বস্তুত, খাদ্য এবং কৃষি জরিপ অনুযায়ী বাংলাদেশে কেবল ২% মহিলা ভুমির মালিক, যা প্রতিবেশী দেশগুলোর তুলনায় অত্যন্ত কম। মহিলারা পার্লামেন্টে এবং অন্যান্য কর্মক্ষেত্রে এখন কাজ করলেও ভূমিমালিকাধীন নারীর সংখ্যা এখনো অনেক কম, যা অর্থনৈতিক নিরাপত্তা রক্ষায় অত্যন্ত গুরুত্বপূর্ণ।

    মহিলাদের ভুমিঅধিকার তাদেরকে অর্থনৈতিক ভাবে সবল করে তুলবে এবং তাদেরকে আত্মবিশ্বাসী করে তুলবে কর্মস্থলে সহকর্মীদের সাথে কাধে কাধ মিলিয়ে কাজ করার। বাংলাদেশে ব্রাক এবং বাংলাদেশ ব্যাংক মহিলাদের ভূমিমালিকানা নিয়ে সক্রিয় ভাবে কাজ করছে। ঢাকার বস্তিবাসীদের এলাকায় চরম দারিদ্র্য মোকাবেলার, ব্র্যাক “দারিদ্র্য হ্রাস এর সীমানা চ্যালেঞ্জিং” তার প্রোগ্রাম শুরু করছে যা ২০০২ সালের টার্গেটিং আল্ট্রা খারাপ (TUP) এর একটি অংশ।এটির মিশন চরম দারিদ্রে বাস করা মানুষদের অর্থনৈতিক এবং সামাজিক ক্ষমতার উন্নয়ন করা। এটি প্রথমে গ্রামকেন্দ্রিক প্রোজেক্ট ছিল কিন্তু এর সাফল্যর জন্য এটি এখন শহরাঞ্চলেও কাজ করে। টি ইউ পি প্রোজেক্ট মহিলাদের উপর বেশী প্রাধান্য দেয় কারণ ব্রাক বিশ্বাস করে যেহেতু মহিলারা সবসময়ই ঘরের কাজ করে এবং কম অর্থের অধিকারী হয় তাই তাদের কথার সমাজে মূল্যায়ন পাওয়ার সম্ভাবনা বেশী।

    প্রকল্প শুরু করার আগে, ঢাকার সবচেয়ে অসহায় মহিলাদের সনাক্ত করার জন্য ঢাকার জুরাইন ও মোহাম্মদপুর এলাকাই একটি জরিপ চালানো হয়। এই দুই বস্তি থেকে প্রাথমিকভাবে ১০০ পরিবারকে বাছাই করা হয়, এবং ২০১২ সালের এপ্রিলে আরও তেরটি ভিন্ন বস্তিকে এই প্রোগ্রামের অন্তর্ভুক্ত করা হয়। এই বস্তিগুলোর মধ্য থেকে টিইউপি প্রোগ্রাম এমন ৩০০ পরিবারকে নির্বাচন করে যার সদস্যরা দীর্ঘস্থায়ী ক্ষুধা, অপর্যাপ্ত আশ্রয়, এবং শহুরে ও মৌলিক সুবিধা থেকে বঞ্চিত। নির্বাচিত নারীদের সম্পদ স্থানান্তর, এন্টারপ্রাইজ উন্নয়ন ও পৃষ্ঠপোষকতার উপর প্রশিক্ষণ দেওয়া হয়। ব্র্যাকের এই প্রোগ্রামের উপর তৈরীকৃত মূল্যায়ন প্রতিবেদন থেকে দেখা যাই, মহিলাদের মধ্যে সম্পদ স্থানান্থরের পরেও সম্পদ ধারণের ক্ষেত্রে উল্লেখযোগ্য উন্নতি হয়েছে। সম্পদ স্থানান্থর, টিইউপি প্রোগ্রামের একটি গুরুত্বপূর্ণ অঙ্গ কারণ এটি মহিলাদের পশু-মালিক হতে এবং ব্যবসায় মূলধন নিয়োগের সুযোগ সৃষ্টি করে দেয়। প্রশিক্ষিত হওয়ার পর মহিলারা টিইউপি প্রোগ্রামের পৃষ্ঠপোষকতায় নিজস্ব ব্যবসা শুরু করতে পারেন।

    যদিও আরবান টিইউপি প্রোগ্রাম এখনো প্রাথমিক অবস্থায় রয়েছে, এরই মধ্যে তা সুবিধাভোগীদের জীবনে ইতিবাচক প্রভাবী হিসেবে প্রমাণিত করেছে। উদাহরণস্বরূপ, এক মহিলা চা ব্যবসায়ী টিইউপি প্রোগ্রামের পৃষ্ঠপোষকতায় তার আয় স্বল্পসময়ে ১০০ টাকা থেকে ৪০০ টাকায় উন্নীত করেছে। উপরন্তু, প্রোগ্রামের স্বাস্থ্য বিভাগ মহিলাদের সুস্থ ও সক্রিয় রাখবার জন্য স্বাস্থ্য সুবিধা প্রদান করে যাচ্ছে যাতে কেউ যেন মাঝপথে কাজ ছেড়ে না দেয়। এক কথায়, ব্র্যাকের আরবান টিইউপি প্রোগ্রামের প্রশিক্ষণ ও আর্থিক ইনসেনটিভ শক্তি প্রমাণ করে, আর্থ-সামাজিক অবস্থান ও ঢাকার জমি মালিকানা সুযোগ সৃষ্টির মাধ্যমে নারীর ক্ষমতায়ন সম্ভব।

    Photo credit: BRAC Communications

    Syeda Ahmed and Rubina Akter, Dhaka Community Managers

    Finding ways to financially include women is one of the major keys to socio-economic development in Bangladesh. While women are usually responsible for household labor and increasingly for outside work and wages, they generally do not receive equal recognition or pay for their labor. In fact, according to a Food and Agricultural survey, only two percent of the women in Bangladesh own land, which is very low compared to neighboring countries. Despite women’s notable representation in the workforce, their lack of access to land ownership is one of the fundamental barriers to financial stability. Financial inclusion is therefore a high-priority policy goal for Bangladesh in order to ensure stable and equitable economic growth.

    BRAC and the Bangladesh Bank are helping women gain access to financial services and land ownership. Women living in Dhaka’s slums, in particular, have very limited access to financial services, as little aid comes from the government and NGOs because the slums are not officially recognized. These women do not have access to wealth and savings, and land rights are usually totally absent. To address this problem, BRAC initiated “Challenging the Frontiers of Poverty Reduction” (CFPR) in 2010, a part of the Targeting Ultra Poor (TUP) program. Its mission is to strengthen the economic and social capacities of the people who live in extreme poverty. Initially, the TUP program was rurally based, but the huge success of the project led to its expansion into urban areas. The Urban TUP program is focused on women since BRAC believes that women have less access to wealth than men, but a greater potential to influence social standards.

    Before starting the project, a survey was conducted to select the areas with the most vulnerable women in Dhaka, resulting in the selection of Jurain and Mohammadpur districts. The pilot program started off with one hundred households from these two slums. By April 2012, the program had grown to include 13 different slums. Within these slums, the TUP program selects 300 families whose members are suffering from chronic hunger, inadequate shelter, and lack of access to basic facilities. The selected women were given training in assets transfer, enterprise development, and support for enterprise. According to BRAC’s impact assessment report of the program, there is a significant improvement in participating women’s holding assets. Asset transfer is a particularly important component of the TUP strategy, as it allows women to own livestock and have business inputs. After being trained, women can then start their own businesses, supported by the TUP program.

    Although the Urban TUP program is fairly recent, it already has had a huge impact on its beneficiaries’ lives. For example, one woman who has a tea business supported by the TUP program increased her income from 100 ($1.25) taka to 400 ($5) taka within a short time. In addition, the health module of the program provides health facilities, helping the women remain active and reducing sick days. In all, BRAC’s Urban TUP program demonstrates the power of training and financial incentives in empowering women through socio-economic status and land ownership in Dhaka.

    Photo credit: BRAC Communications

  • URBim | for just and inclusive cities

    Transportation infrastructure is a key factor in enhancing economic growth and quality of life. Still, many recent transportation initiatives, by focusing on cars and highways, have favored the rich and the middle class. The following articles explore ways to provide safe, affordable, eco-friendly, and reliable transportation to the poor in the Global South. Read on to learn more, then join the discussion below.

    Tariq Toffa, Johannesburg Community Manager

    Apartheid policies in South Africa made for ineffective cities. Fragmented and segmented, Johannesburg has an ambivalent relationship with public transport. Historically, more affluent, mostly northern white suburbs were provided with extensive transport infrastructure, such as electric trams (1906-48) and later highways (see Fig. 1). By contrast, the denser and poorer black townships, mostly in the south, were provided with limited and marginalised rail and bus public transport. Yet out of desperate need by being located far away from major industrial and commercial centres, in the 1970s a mini-bus taxi industry emerged, which has grown to serve approximately 72 percent of all public transport users.

    Despite a number of post-1994 initiatives, urban transport system problems persist. Recently (2006-2012), in the largest Public Private Partnership yet launched in South Africa, between the Gauteng Provincial Government and Bombela International Consortium, a rapid rail project worth R20 billion (US$ 2 billion) was implemented. The “Gautrain” rapid rail network consists of two spines: one (south-north) linking Johannesburg and Pretoria, and the other (west-east) linking the Sandton business district and OR Tambo International airport. Coupled with this, in 2007 the City began constructing an ambitious Bus Rapid Transit System (BRT) known as the “Rea Vaya” (see Fig. 2).

    The new systems address speed, efficiency, and traffic decongestion, as well as problems of safety, facilities, and crime that have affected the taxi industry. Crucially, the BRT in particular improves access of marginalised communities to industrial and commercial centers: firstly linking the townships in the south to Johannesburg’s CBD (phase 1A and 1B), and subsequently linking Alexandra township in the north with Sandton and Johannesburg’s CBD (phase 1C). Together with the Gautrain, it is envisioned as a key catalyst for the city’s Transit Orientated Development (TOD) plan for urban regeneration and economic development at transit hubs. Hence two BRT routes (phase 1B and 1C) will become “corridors” of mixed-use development.

    In contrast to the BRT, the Gautrain, in catering purely for the affluent car owner/user, from a social perspective clearly suffers from the criticism of class/mobility-related exclusion; although this could be offset by a BRT system that, unlike the Gautrain where there is no clarity in providing mixed-income residential development around its stations, clearly allows for mixed-income along BRT corridors.

    Nonetheless, on the whole, both projects direct growth toward former white group areas which are developed, and not toward new corridor and nodal development in previously underdeveloped areas; and so they also do not remove the burden of excessive and reverse commuting. The terminal infrastructure developments of both projects, too, are located away from the marginal communities’ location.

    Other issues include the sustained opposition by some organisations within the taxi industry, which the BRT wishes to absorb, and the high cost of the BRT (R35 million / US$ 3.5 million per km, and at least R7 million / US$ 700,000 per BRT station). It is unclear how much investment was essential for the long-term operational sustainability of the project, and how much could also have been creatively employed for the project to balance other more social priority purposes.

    At first glance the Gautrain/BRT initiative appears a master-stroke of integrative urban transport; yet while it is still incomplete and without a full-scale evaluation of its impact, particularly for poor neighbourhoods and travel patterns, from a social perspective, the jury is still out.

    Fig. 1: Early twentieth century electric trams (Beavon 2001)
    Fig. 2: Historic racial segregation, with new BRT and Gautrain routes (map by author)

    Olatawura Ladipo-Ajayi, Lagos Community Manager

    Lagos is a small city with a large population. Lagos state is the smallest in Nigeria, with an area of 356,861 hectares of which 75,755 hectares are wetlands, yet it has over 5 percent of the national population, making it the most populous state in the nation. The city is overpopulated and still growing, with a growth rate of 8 percent. This issue causes congestion problems in various facets of city life, but most especially in transportation. Lagos is notorious for its heavy traffic, where a 30-minute journey can take two hours on a weekday. Congestion saps the population of energy, contributes to an unhealthy lifestyle, and generally makes for a less productive workforce.

    In 2008, Governor Fashola’s state government introduced the Bus Rapid Transit (BRT) scheme through the Lagos Metropolitan Transport Authority (LAMATA) to improve road transport system and ultimately reduce congestion. The new fleet of buses were designed to be more comfortable, and introduced an organised system of public transportation. The pilot BRT transport scheme runs through 22 km of exclusive lanes, providing faster transport at affordable prices for commuters. Since its inception, a lot of positive impact has been recorded. Highlights recorded by the World Bank include:

    • Reduction in time and money spent by poor households on travel from 90 minutes and 150 Naira in 2003, to 23 minutes and 100 Naira in June 2009.
    • Money spent by poor households on public transportation was reduced from 17 percent of all spending in 2003 to 11 percent in June 2009.
    • Average pilot bus route waiting time at terminal was reduced from 20 minutes in 2003 to 10 minutes in June 2009.

    Significant progress is being made to solve the problem of public transportation for Lagos residents. Recently, the state Governor Fashola introduced an e-ticketing system to the BRT scheme to create a more efficient and people-friendly transport ticketing system in the city. The system allows for certain groups to pay as low as 20 Naira (approximately 12 cents) for short distance commutes, and allows for purchase of weekly tickets, making public road infrastructure more attractive.

    However effective the fleets of buses are, they need to be augmented by more transport alternatives. The city is blessed with waterways and rail tracks — it would be interesting to see how much less congestion on city roads could be achieved if other modes of transportation infrastructure are put in place (the rail system is in the process of being revived). More ferries on the waterways and intra-city rail transport would go a long way in road decongestion. Creating a system with wider reach would produce a system more efficient at reducing road congestion.

    The state is aware of the need for alternatives and is partnering with organisations to propose alternative transport infrastructures. The World Bank, joined by the Agence Française de Développement, is working with LAMATA to prepare the Lagos Urban Transport Project 2 to meet some of this demand and to extend the BRT routes. The BRT project extension is expected to be completed by December, 2014. Ultimately, LAMATA plans to expand the BRT system strategically along eight different corridors within the city. Hopefully recorded success does not lead to agencies relaxing their resolve, and that the improvement of the BRT system is a continuous goal of the state government.

    Photo credit: Tolu Talabi

    Carlin Carr, Mumbai Community Manager

    Mumbai’s commuter woes are as oft discussed as scores to the latest cricket match. They are griped about daily and exchanged with fervor. Gridlock, overcrowded trains, non-existent east-west routes dominate the discussion and so do the controversial solutions on the table: sealinks, flyovers, monorails. Transportation activists such as Rishi Aggarwal, a research fellow at the Observer Research Foundation (ORF) and member of the Mumbai Transport Forum (MTF), says that one of the major issues is that there is no integrated approach to planning, leaving commuters with ad hoc, disconnected systems.

    Yet a solution from Chennai offers a comprehensive example for Mumbai on how to move toward sustainable, comprehensive mobility. In August, Shreya Gadepalli, of the Institute for Transportation Development Policy (ITDP), presented her work with a new initiative, the Chennai Unified Metropolitan Transport Authority (CUMTA), at the ORF to share the progress Chennai has made and how it might apply to Mumbai.

    Importantly, CUMTA members include a cross-section of all different government authorities responsible for transportation, centralizing collaborative decision-making to move the organization’s goal forward. And the goal is ambitious: to achieve a modal shift away from car-centric transport to public transport, focusing on walking and cycling as dominant modes.

    CUMTA held a workshop in January 2013 to move forward its efforts. The members divided into four working groups, focusing on:

    • CUMTA as an agent of change
    • Developing an integrated, high quality bus and BRT network for Chennai
    • Improving streets and public realm
    • Management of road space and travel demand

    Since then, the group has already taken important steps to reclaim road space for pedestrians where there was little or none in the past. In fact, a large-scale cycle network strategy is part of the plan. The main cycle path will take advantage of Chennai’s seaside location, stretching for miles up the coast with connecting points to many neighborhoods and the stations along the way. There will be an extensive cycle-sharing program with less than a 300-meter walk to a cycle sharing station in the network.

    “We are always keen to learn from New York and London, so for a change, we will learn from Chennai,” says Aggarwal, who has also founded the Walking Project in Mumbai to promote better walking conditions and sidewalks in the city.

    One of the biggest achievements from Chennai, says Gadepalli, who emphasizes that there is “nothing on the ground to show right now,” is that there is a consensus from the highest levels in the city on implementing more sustainable approaches: “If you speak to people, there is a sea change in how they perceive things. If you go and ask anyone, the only thing they are talking about these days is how to create better facilities for pedestrians and improving public transport.”

    To watch Shreya Gadepalli’s full presentation, click here.

    Photo credit: Satish Krishnamurthy

    লেখকঃ নিশা কারকি

    অনুবাদকঃ নুসরাত ইয়াসমিন এবং ফারজানা নওশিন

    বিশ্ব ব্যাংক এক জরিপে বলেছে যে, বাংলাদেশে দরিদ্র (মাথাপিছু আয়২ ডলার) মানুষের সংখ্যা ২৬ শতাংশ কমে গিয়েছে অর্থাৎ যা ২০০০ সালে ছিল ৬,৩০,০০০০০ সেটি ২০১০ সালে কমে ৪,৭০,০০০০০ হয়েছে। যদিও বাংলাদেশের অর্থনৈতিক উন্নতি প্রতি বছর ১% করে বাড়ছে তারপরও গরীব ও মধ্যবিত্তের মধ্যে অর্থনৈতিক বৈষম্য এখনো আছে। এই অর্থনৈতিক বৈষম্যতা মধ্যবিত্ত ও গরীবদের মধ্যে সরকার প্রদানকৃত যানবাহন ব্যবস্থার উপর প্রভাব বিস্তার করে। জনাব মান্নান এর মতে, ঢাকার যানবাহন পরিস্থিতি উচ্চ আয়ের পরিবারের জন্য বেশী প্রযোজ্য এবং সুবিধাজনক। ঢাকায় যেসব পরিবারের নিজস্ব মোটরযান আছে তাদের ৬৬% মানুষেরই আয় ৩০,০০০ টাকার বেশী। অন্যদিকে, নিম্ন আয়ের জনগোষ্ঠীর মোটরবিহীন গণপরিবহন ব্যবহার করার প্রবনতা বেশী। এ কারণে এ সমস্ত যানবাহনে অতিরিক্ত ভীড় থাকে; বিশেষ করে মহিলা এবং শিশুদের জন্য এসব যানবাহন ব্যবহার করা অস্বস্তিকর করে পড়ে। সি.এন.জি, নিজস্ব গাড়ী এবং বাস অতিরিক্ত ব্যবহারের কারণে শহুরে জনগোষ্ঠী গণপরিবহনের মান কমিয়ে দিয়েছে; উপরন্তু, রিকশা এবং বাইসাইকেলেরও মান কমে গিয়েছে।

    ১৯৬১ অধ্যাদেশে সপ্তম নম্বরের অধীনে বাংলাদেশ রোড ট্রান্সপোর্ট কর্পোরেশন (বি.আর.টি.সি) প্রতিষ্ঠিত হয়েছিল। এটি বাংলাদেশ সরকারের স্বীকৃত পরিবহন কর্পোরেশন যা সকল শ্রেণীর মানুষের জন্য সস্তা এবং আরামদায়ক ভ্রমন ব্যবস্থা প্রদানের জন্য প্রতিষ্ঠিত হয়। বর্তমানে বাংলাদেশে বি.আর.টি.সি এর ১,১১৬ টি বাস পুরো বাংলাদেশে চলাচল করছে কিন্তু এগুলো ৪৭ মিলিয়ন (প্রায় ২৬ শতাংশ) দরিদ্র মানুষের পরিবহন চাহিদা মিটাতে যথেষ্ট নয়।

    অনুরূপভাবে, কার্যকরী, সাশ্রয়ী মূল্যে পরিবহন ব্যবস্থা প্রদানের লক্ষ্যে বাংলাদেশ সরকার বিশ্ব ব্যাংকের সহায়তায় ঢাকা নগর পরিবহন প্রকল্প (DUTP) প্রতিষ্ঠিত করেছে। খন্দকার ও রাউসের মতে, ডি.ইউ.টি.পি. ফ্লাইওভার নির্মাণের মাধ্যমে প্রধান সড়কে যানবাহন চলাচলের উন্নতিসাধন করেছে; যদিও বাস্তবে এর দ্বারা পুরুষ যাত্রীগণ, উচ্চবিত্ত মানুষ এবং মোটরগাড়ী-মালিকবৃন্দ প্রধানত উপকৃত হচ্ছে। বস্তুত, নিম্ন আয়ের মানুষ, যাদের যানবাহন ছিল পরিবহন সাশ্রয়ী রিকশা, তাদের ফ্লাইওভার নির্মাণকালীন সময়ে কষ্টভোগ করতে হয়েছিল। ক্ষুদ্র পুঁজিবাদীদের উপর এই প্রকল্পের পর্যাপ্ত বিচার-বিশ্লেষণের অভাবের ফলে দরিদ্র জীবনে ব্যাপক ক্ষতিসাধন হয়েছে।

    দরিদ্র এবং মধ্যবিত্ত শ্রেণীর মধ্যে পরিবহন পরিকাঠামোগত ফাঁক কমানোর জন্য বাংলাদেশ সরকারকে গণপরিবহন, যেমন-রেলওয়ে বা স্বল্প দামী পাবলিক বাসের সংখ্যা বৃদ্ধি করতে হবে। সকল প্রকার পরিবহনের সেবা চার্জ যেন সব শ্রেণীর জন্য সহজলভ্য হয় সেদিকে নজর রাখতে হবে। এক বিবৃতিতে ওয়ার্ল্ড ব্যাংক বলে, “পরিবহন বিধি যা মোটরবিহীন-চালিত যানবাহন ব্যবহারের প্রচার চালায় তা সাধারণত সেই জনগোষ্ঠীর সরাসরি কল্যাণ সাধন করে যারা মোটরচালিত যানবাহন ব্যবহারে সামর্থ্য নয়।” তাই সরকারের মোটরবিহীন-চালিত যানবাহন ব্যবহারের প্রতি বিশেষ দৃষ্টি রাখতে হবে। উদাহরণস্বরূপ, রিকশা এবং বাইসাইকেলের উপর থেকে কর সরিয়ে ফেলা বা হ্রাস করা এবং পারকিং এর জন্য খালি স্থান তৈরী করতে হবে। ভবিষ্যতে পরিবহন প্রকল্প গঠনের সময় যেমনঃ ডি.ইউ.টি.পি.(DUTP), দরিদ্রদের উপর নেতিবাচক এবং ইতিবাচক প্রভাব কীরূপ পড়ছে তা পরিকল্পনাকারীকে ও সরকারকে অবশ্যই খেয়াল রাখতে হবে। উন্নয়ন প্রকল্পগুলোর ধনীদের উপকার করার পাশাপাশি সরাসরি দরিদ্রদের জীবনযাত্রার মান উন্নয়ন করা উচিত।

    Photo credit: Robert Monestel

    Nisha Karki, Dhaka Community Manager

    The World Bank has stated that the number of Bangladeshis living in poverty, with a per capita income of less than $2 a day, has declined from 63 million in 2000 to 47 million (26 percent of the overall Bangladeshi population) in 2010. Though Bangladesh has successfully upgraded its economic growth rate every decade by one percent, there is still a huge economic gap between the poor and the middle class. This economic gap causes inequality regarding the transportation facilities provided to the rich and to the poor. According to Md. Shafiqul Mannan, the Dhaka transportation system favors high-income households. Sixty-six percent of the households with private motor vehicles belong to the income group higher than 30,000 BDT. In contrast, low-income groups have a higher tendency to choose non-motorized vehicles (rickshaws and bicycles). Public transportation is usually uncomfortable, crowded, overloaded, and difficult to access for poor women and children. The middle-class use of compressed natural gas-powered auto-rickshaws, private cars and buses has led to a decrease in service and quality of public transportation and non-motorized vehicles, such as rickshaws and bicycles.

    Under the ordinance No. VII of 1961, the Bangladesh Road Transport Corporation (BRTC) was established as a government corporate transport body to provide cheap and comfortable travel for all groups of people. Currently, there are 1,116 BRTC buses running all over Bangladesh, but this number is not sufficient to provide the desired services for the 47 million poor people who live in Bangladesh.

    In order to create efficient, affordable, and sustainable transport, the Bangladesh government, in collaboration with the World Bank, established the Dhaka Urban Transport Project (DUTP). According to Khandoker and Rouse, the DUTP has brought improvements in the flow of traffic along main roads by constructing flyovers. However, the benefits were felt mainly by private bus users and car owners, not the poor. Indeed, lower-income people were excluded since non-motorized vehicles such as rickshaws were banned during the construction period. Lack of careful examination and analysis of the impact of this project on poor stakeholders caused negative impacts on the lives of the poor.

    To minimize gaps between the transportation infrastructure for the poor and the middle class, the Bangladesh government needs to increase the number of public transportation options that are less expensive, such as railways or public buses. Ticket prices for all kinds of transportation should be monitored to ensure that they are affordable for all. As the World Bank stated, “Transport interventions that promote the use of non-motorized transport usually contribute directly to the welfare of those people who cannot afford motorized transport.” Therefore, the government needs to provide special attention to the uses and benefits of non-motorized vehicles. For example, taxes on rickshaws and bicycles should be removed or reduced, and free lanes should be created for parking non-motorized vehicles. When designing transportation projects such as DUTP, planners and the government must take into account the effects that these projects will have on the poor.

    Photo credit: Robert Monestel

    Widya Anggraini, Jakarta Contributor

    Many of Jakarta’s residents use Kopaja buses to get around, a 25-seat minibus that is cheap and serves the whole city. Kopaja is owned by a private cooperation established in the 1970s but currently faces a number issues regarding safety, comfort, pollution, and poor maintenance. The government is therefore intervening to integrate Kopaja with the Transjakarta busway system and to rejuvenate the bus conditions. The government is planning to add 1000 Kopaja buses, provide better service, switch to more eco-friendly gas, and subsidize the corporation so that prices remain affordable.

    KOPAJA! Siapa orang Jakarta yang tidak tahu tentang Kopaja. Bis ukuran sedang dengan kapasitas 25 orang yang sering digunakan sebagai angkutan umum oleh masyarakat awam. Ia disukai karena murah dengan tarif Rp 3.000, untuk jarak dekat maupun jauh. Kopaja dimiliki oleh perusahaan penyedia jasa angkutan umum bernama Koperasi Angkutan Jakarta yang telah berdiri sejak 1970an. Masyarakat kecil yang tidak mampu membeli kendaraan pribadi cukup terbantu dengan keberadaan Kopaja dan Metromini yang memiliki rute lengkap dan tersebar di Jakarta Pusat, Barat, Utara, Timur dan Selatan meski dengan kompromi kurangnya rasa nyaman. Karenanya saat ini Pemerintah Jakarta melakukan intervensi terhadap keberadaan Kopaja dengan membantu proses peremajaan bis hingga penyediaan subsidi; menyediakan armada bis baru dan integrasi dengan jalur busway Transjakarta.

    Sebagai angkutan umum, Kopaja sering mendapat sorotan negatif dikarenakan alasan: Pertama, penumpang Kopaja sering berlebih hingga dua kali lipat sehingga rawan kejahatan seperti pencurian dan pelecehan. Kedua, Kopaja juga dianggap jauh dari aman sebab sering kali alat kemudi dan pengukur kecepatan yang seadanya. Banyak pengemudi mobil pribadi yang merasa terancam sebab cara menyetir sopir Kopaja yang ugal-ugalan dan sering melanggar rambu-rambu lalu lintas dan membahayakan pengguna jalan lain. Ketiga, Kopaja merupakan penyumbang besar polusi perkotaan disebabkan buruknya sistem pembuangan karbon yang cukup membahayakan bagi manusia dan lingkungan.

    Mengingat peran strategi Kopaja dalam menyediakan angkutan umum yang murah maka pemerintah DKI Jakarta akan mulai membenahi infrastruktur dan kondisi Kopaja. Untuk saat ini pemerintah DKI Jakarta sedang berupaya mengintegrasikan antara keberadaan Kopaja dan Busway misalnya dengan penggunaan jalur Transjakarta yang cenderung “istimewa” untuk jalur Kopaja. Transjakarta sendiri adalah moda transportasi baru yang mulai berjalan sejak tahun 2004. Keberadaan Transjakarta disambut positif oleh masyarakat sebab ia bebas macet, memiliki kursi yang nyaman, berpendingin, dan relative aman dibanding menggunakan Kopaja meski harga hampir dua kali lebih mahal. Meski demikian Transjakarta belum memiliki jalur sebanyak Kopaja sehingga integrasi Kopaja ke jalur Transjakarta akan sangat membantu dalam memperluas jaringan pelayanan Transjakarta.

    Untuk itu, Kopaja yang menggunakan jalur busway haruslah bis-bis yang secara fisik telah sesuai standar yang ditetapkan oleh pihak Transjakarta misalnya dilengkapi dengan AC dan kursi yang lebih nyaman dan mesin yang layak. Untuk saat ini bis yang sudah diintegrasikan di jalur busway adalah Kopaja AC bernomor rute S.13, P20, S13 dan S602. Harga tiket Kopaja AC dibuat sama dengan Transjakarta sehingga penumpang dapat menggunakan tiket yang sama untuk kedua moda transportasi tersebut.

    Selanjutnya untuk memperbaiki kualitas Kopaja yang beroperasi di Jakarta, Kopaja berencana secara mandiri akan meremajakan unit-unit bisnya. Sejak Januari hingga Mei 2013 kurang lebih ada 77 unit Kopaja yang sudah tertangani dan masih ada sekitar 1.479 unit Kopaja regular yang belum mengalami perbaikan. Untuk itu Kopaja berencana bekerjasama dengan pemerintah dan berupaya memperoleh subsidi untuk peremajaan bis. Terkait hal tersebut Guberbur DKI Jakarta, Joko Widodo, juga telah menyampaikan inisiatifnya untuk peremajaan Kopaja dengan melakukan uji kelayakan dan mengganti bis-bis yang sudah tidak layak pakai. Jokowi sendiri berjanji akan menambah 1000 unit Kopaja baru di akhir tahun ini untuk meningkatkan pelayanan kepada masyarakat serta mengkonversi Kopaja dengan Bahan Bakar Gas untuk menekan biaya bahan bakar dan mengurangi pencemaran udara.

    Foto: XXVIII

    Catalina Gomez, Coordenadora da Rede em Rio de Janeiro

    Segundo Rio Como Vamos, a insatisfação dos cariocas com a mobilidade e o transporte público da cidade vem crescendo nos últimos anos. A mais recente pesquisa da Rio Como Vamos foi feita em 2013 previamente aos protestos de Junho. Para compreender aquela insatisfação coletiva é importante conhecer melhor as condições do sistema de transporte público da cidade para identificar suas fraquezas e potenciais soluções.

    Iniciemos com o metrô. Embora ele tenha sido inaugurado faz quase 35 anos atrás e apresente um atendimento médio de 650 mil pessoas durante um dia útil, ele está subutilizado. Por exemplo, ele tem só 35 estações em quanto o de São Paulo, tem 62 e aquele de Buenos Aires tem 86. Também existem queixas constantes sobre a superlotação, contribuindo a percursos incômodos e inseguros.

    A Prefeitura reporta que perto de seis por cento dos passageiros da cidade é transportada pelo metro, enquanto os ônibus transportam 70 por cento da população com uma frota de 9 mil veículos. As vans transportam perto de 17 por cento da população. Mais o principal problema com os ônibus e vans é que eles têm que compartilhar as limitadas ruas com automóveis particulares. Só nos últimos três anos o número de carros na cidade aumentou em 225 mil. Preocupações adicionais incluem a insegurança dos percursos noturnos e os tempos de espera. Especificamente com o novo BRT, embora ele tenha sido bem recebido pelos cidadãos, ainda apresenta desafios de melhora incluindo a redução da superlotação, a falta de ar acondicionado e ventilação e acessibilidade adequada da frota.

    Num evento recente do Rio Como Vamos, o Secretario de Transporte, Carlos Osório falou que “2013 será o pior ano para o transito, face às 92 intervenções sendo realizadas”. Aquelas obras temporárias esperam se converter em melhoras de longo prazo para a cidade, incluindo a expansão do metro para a zona sul do Rio, melhoras nos elevadores e outras reformas que favorecem a acessibilidade nas estações do metrô, além da incorporação de novos trens para reduzir os intervalos de serviço. A cidade também vai a implantar um conjunto de câmaras para monitorar em tempo real o sistema de ônibus e garantir mais seguridade durante os percursos noturnos e conseguir identificar problemas recorrentes e soluções pertinentes.

    Embora Rio seja considerado uma cidade com um sistema de transporte bem estabelecido e completo, sua infraestrutura e respetiva operação é inadequada. Algumas soluções no curto prazo incluem o desenvolvimento de medidas de manutenção mais eficientes nas estações, trens e ônibus da frota municipal. Outras soluções mais complexas e de logo prazo incluem a redução do uso do carro particular, por meio da incorporação de taxas especiais de uso. Outras ações de longo prazo que precisam ser debatidas mais amplamente incluem o dimensionamento do transporte e a mobilidade do Rio como um tema metropolitano, não municipal. Este debate é chave para assegurar os recursos e o gerenciamento adequado do sistema.

    Foto: Severino Silva

    Catalina Gomez, Rio de Janeiro Community Manager

    According to Rio Como Vamos, the unhappiness of residents about mobility and transportation infrastructure in Rio is on the rise. The most recent research was carried out in 2013, before the June protests started. To explain this collective disapproval, it is worth taking a closer look at the city’s public transportation system to better understand its failures and some of its potential solutions.

    Let’s start with the metro. Although it was inaugurated almost 35 years ago and currently serves an average of 650,000 people on a weekday, it is considered to be below its full potential. For example, the system has only 35 stations, while the similar metro system in São Paulo has 62 stations, and the one in Buenos Aires has 86. In addition, there are constant complaints about the long intervals between trains, contributing to crowding, discomfort, and safety concerns both in stations and on the train.

    The local government reports that six percent of the city’s total passengers use the metro, while buses, with a fleet of more than 9,000 vehicles, are responsible for carrying 70 percent of them. Vans are another transportation modality that account for almost 17 percent of citizen transportation. The main problem with buses and vans is that they share the limited city roads with an increasing number of passenger cars. In the last three years alone, there were an additional 225,000 new cars on Rio’s roads. Additional concerns regarding buses and vans include safety at night, and overall waiting time. Although the new BRT has been positively received by residents, challenges remain related to overcrowding, lack of proper ventilation, and accessibility.

    In a recent event organized by Rio Como Vamos, Carlos Osório, the city’s secretary of transportation, mentioned that “2013 will be the worst year for transit purposes, as there are more than 92 transportation works around the city.” These temporary works are aimed at improving the city’s transportation in the long term, including an ambitious expansion of the metro line towards the city’s southern area, the installation of elevators and other accessibility features in most stations, and the incorporation of new metro trains in order to reduce the intervals of train service. In addition, the city will implement a network of cameras to monitor the provision of bus service in real time, to ensure security during night shifts, and to find and correct recurring service problems.

    Even though Rio could be considered to have a well-established and complete transportation system, its current infrastructure and the way it is operated are not enough to ensure that it functions adequately. Some short-term solutions would be to put in place better and more regular maintenance efforts of all stations, trains, and buses from the municipal fleet. Other more complex long-term measures include reducing the use of cars by incorporating fees and other taxes on their users, especially in the city center. Another long-term task that needs to be further explored is moving away from a municipal scope to a metropolitan understanding of mobility and transportation in the Rio area, thereby ensuring proper resource management that takes into account the dimensions and demands of such a complex system.

    Photo credit: Severino Silva

    Jorge Bela, Gestor Comunitario de Bogotá

    Bogotá ha ganado el premio a liderazgo urbano en su categoría de transporte. Los premios, de los cuales este año se celebra su primera edición, son otorgados por el grupo C40 y por Siemens, a través de su fundación Crystal. El premio de liderazgo en transporte busca identificar proyectos o iniciativas que mejoren la situación medioambiental, medidos en términos de fomento de cambio en los modos de transporte y de la reducción de la emisión de gases causantes del efecto invernadero.

    Para los conocedores de la situación actual en Bogotá la recepción del premio supone inicialmente una sorpresa. La ausencia de metro y la presencia de busetas sin ningún control de emisiones son dos realidades que saltan inmediatamente a la vista. El sistema Transmilenio, que ha servido de modelo de transporte rápido mediante autobuses a varias ciudades del mundo, se encuentra a tope de su capacidad y los proyectos de ampliación se han visto ralentizados por problemas de corrupción, retrasos y sobrecostes.

    Aunque la situación actual dista mucho de ser buena, el premio se ha otorgado a un proyecto actualmente en marcha y que puede redundar en una mejora significativa de la situación medioambiental. En primer lugar, está previsto que 200 autobuses híbridos comiencen a circular por Bogotá a partir del 15 de diciembre. Los buses, marca Volvo, son fabricados en Brasil y ensamblados en Colombia. Podrán circular tanto por los carriles de alta velocidad del Transmilenio como por rutas convencionales, pues tienen puertas a ambos lados. Está previsto que circulen por la Carrera 7º, una de las principales de la ciudad y por la que en la actualidad solo circulan busetas y coches particulares. Una vez que los autobuses híbridos comiencen a circular por esta carrera, sus elevados niveles de contaminación descenderán de forma significativa. Estos buses no necesitan conectarse a la red eléctrica para recargarse.

    La segunda iniciativa tomada en consideración para otorgar el premio es el lanzamiento de un programa piloto de taxis completamente eléctricos, es decir, de emisión cero. Este programa piloto contempla hasta un máximo de 50 taxis, de los cuales 12 ya han sido presentados y comenzarán a circular en los próximos días. Para su recarga se están construyendo estaciones de recarga específicas. En Bogotá hay más de 50.000 taxis, un número elevadísimo, sobre todo si consideramos que este modo de transporte es el que genera más gases de efecto invernadero por pasajero de todos los existentes. La hipotética sustitución de un número significativo de los taxis impulsados por gas gasolina a otros eléctricos tendría un impacto considerable.

    Aunque no se consideró a la hora de otorgar los premios, Bogotá está finalizando los estudios previos para la construcción del metro y está planificando una ampliación significativa del Transmilenio, sustituyendo de esta forma a las contaminantes busetas. Si todos estos proyectos llegan a buen puerto, en pocos años la situación ambiental de Bogotá mejorará dramáticamente. Esperemos que así sea.

    Fotos: Miguel Matus

    Jorge Bela, Bogotá Community Manager

    Bogotá just won the City Climate Leadership Award for transportation. The award, still on its first edition, is sponsored by the C40 group and Siemens, through its Crystal Initiative. The leadership award in transportation seeks to identify projects or initiatives aimed at improving the environmental quality of the cities for which they are intended. The methodology used to measure such improvement is based on modal shift or the reduction of greenhouse gases (GHG).

    For anyone familiar with the current situation of transportation in Bogotá the award might come as a surprise. It is striking considering the lack of a metro system and the still widespread presence of small buses (busetas, as locals call them), which seem to be free of any emissions controls, as they spew thick clouds of black smoke. Even if the rapid bus transportation system, Transmileno, has been very successful and even taken as a model by large cities elsewhere in Latin America and Asia, it is now operating at full capacity. Expansion projects have been plagued by corruption, delays, and cost overruns.

    Even if the current situation is far from ideal, the award was granted to a project, currently being implemented, with a considerable potential to improve the environmental conditions in Bogotá. The project seeks to introduce hybrid buses and zero emissions taxis by the end of 2013. To this end, 200 hybrid buses have been purchased and are expected to start running in late December. These Volvo buses are built in Brazil and assembled in Colombia, and they do not need to recharge in the grid. They can be used in Transmilenio express lanes as well as in regular streets, as they have doors on both sides. They will first be deployed on a new line that crosses the city from south to north, including a long stretch on 7th Avenue, one of Bogota’s most emblematic. Once the hybrid buses replace the highly polluting minibuses which now serve 7th Avenue, the air quality in the area will improve significantly.

    The zero emissions taxi pilot project plans to introduce 50 electric taxis. The first 12 taxis have already been officially presented by authorities and are expected to start operating in the next few weeks. Charging stations are being built in strategic locations, and the first one is already operating. Taxis generate the highest volume of GHG per passenger of all transportation modes, and Bogotá has more than 50,000 of them. The replacement of a significant number of gasoline or natural gas taxis by electric units would have a considerable impact on overall city pollution.

    Although it was not taken into consideration for the awards, Bogotá is in the final planning stages for its first metro system. It is also planning to substantially expand the Transmilenio system. These two mega-projects will all but eliminate the highly polluting busetas from most of the city. If all of these projects are successfully implemented, the environmental situation in Bogotá will have improved dramatically. Let’s hope that it does.

    Photo credit: Miguel Matus

  • URBim | for just and inclusive cities

    Carlin Carr, Mumbai Community Manager

    In early November, the Duchess of York and Prince Charles visited Mumbai. The royal couple had many stops on their itinerary, but one of those was a very special project we featured for this issue last year, Mumbai Mobile Creches. For decades the organization has been quietly working in the most invisible parts of the city — the construction sites where families from poor villages around the country make their home temporarily to engage in this work for months or years on end. Mumbai Mobile Creches provides a school and daycare for the children of these families, and has expanded into working to help them receive proper medical care and check-ups.

    Mumbai is the type of city that makes you want to do something. When I first came in 2008, I had the same feeling. I started an English language program at a shelter for 20 homeless boys. This year, I decided that the kids needed to see the world beyond their very rudimentary makeshift home on the beach, right next to some of the fanciest five-star hotels in the city. We launched a crowd-funded campaign on Indiegogo called “Send Mumbai Street Children to Aurangabad” to send them on a trip outside the city. In a few days, we had met our goal, and within a couple of weeks, we doubled it! The project has inspired us to start a bigger “fresh air” trip campaign for the kids to visit their national treasures, enjoy the lovely nature of India’s countryside, and bond together in a new environment.

    There are many initiatives around the city working to improve the lives of children living in poverty. Anukruti, a project launched by Austrian architect Martina Spies, has found a unique way to bring playgrounds into informal settlements. She has designed handbags with the leather workers of Dharavi and is using the proceeds to fund the small-scale playground projects. The initiative gives work to the stitchers within Dharavi, while also providing much-needed spaces for children to jump, hang, crawl, and slide.

    On the subject of Dharavi, the growing body of literature on Asia’s best-known slum has a new addition. Earlier this year, “Dharavi: The City Within” was released. The book, edited by Joseph Campbell, includes articles on everything from how the slum accesses water to its mafia bosses. One of the most interesting pieces, written by Kalpana Sharma, a well-known journalist in Mumbai, is on the history of the Dharavi Redevelopment Project. The book stitches together a very vibrant portrait of its industrious, entrepreneurial residents and the challenges they face as the city seeks to “improve” the conditions on this much-coveted piece of real estate. “Dharavi: The City Within” is a must-read for all researchers interested in getting a broad perspective on the issues around redevelopment in one of India’s megacities.

    Photo credit: Dell Inc.

  • URBim | for just and inclusive cities

    Africa’s slums are growing at twice the rate of its cities. By some accounts, sub-Saharan Africa will have upwards of 332 million slum dwellers by 2015. While millions of dollars have been spent improving the conditions in Africa’s urban informal settlements and the lives of the people who live therein, overall these efforts have amounted to little more than a drop in the ocean. Join our six panelists to explore the options for stemming the growth of these sprawling settlements and improving conditions in those slums that already exist: Irene Karanja of Muungano Support Trust (SDI) (Kenya); Claudio Torres of the UN-HABITAT Participatory Slum Upgrading Unit (PSUP) (Kenya); architect, urban planner, and World Bank Municipal Development Program consultant Sara Candiracci (Mozambique); Aditya Kumar of the Community Organization Resource Centre (CORC) (SDI) (South Africa); Jhono Bennett of the University of Johannesburg (South Africa); and Marie Huchzermeyer of the University of the Witwatersrand (South Africa).

    Click on the pictures of the panelists to see each panelist’s perspective below.

    Executive Director of Muungano Support Trust, a secretariat of the Shack/Slum Dwellers International Federation (SDI) (Kenya)

    Over the last 25 years, slum dwellers from cities in Africa have successfully mobilized into collections of Federations of the Urban Poor.

    These federations have collected their own financial resources in the form of savings and data pools, creating citywide profiles and extensive slum censuses. Unknown to the world, slum federations have managed to produce a large volume of documented knowledge about themselves that has transformed how the government delivers important services to its poor citizens and how financial instruments can be innovated by financial institutions to serve the needs of the poor.

    Using data collected from the profiles and censuses, Muungano Support Trust, a local NGO working with the federation of Kenya, has provided advisory services to the Government of Kenya and the World Bank, in order to help them intervene and provide housing solutions to over 10,000 families in the Kibera and Mukuru areas of Nairobi.

    The trust has also worked with university planning schools from the local and international academia community to influence how transforming planning discourse can untrap informal human settlements from the snares of historically rigid city planning standards.

    The private sector has grand opportunities to turn urban poor communities into important players within the city. Financial resources from the poor are beginning to challenge and put pressure on the private sector to innovate solutions. Federations have interventions that are facilitating this to happen.

    Data collected by communities with the support and technical capacity of organizations such as Muungano Support Trust, shows that there is a missing link that government interventions are not able to fill and development assistance is failing to cover.

    Insecurity of tenure remains one of the biggest challenges to improving the lives of slum dwellers in Nairobi. The government needs to release land for human settlement, whether it be public, private, or contested. If this does not happen, development aid will continue to subsidize the costs required for technical services to innovate various kinds of solutions for what are essentially locked scenarios!

    Irene Karanja is the founding Executive Director of Muungano Support Trust (MuST), a secretariat of the Slum/Shack Dwellers Federation in Kenya. She is a specialist in participatory research, community organizing and capacity building for the urban poor. For over six years, she has transformed the use of participatory techniques for data collection into a major instrument for planning the upgrading of slums. She has organized a strong constituency of slum dwellers to assume leadership of these settlements through savings groups, housing cooperatives and women’s associations.

    Architect, UN-HABITAT Participatory Slum Upgrading Programme (PSUP) (Kenya)

    African countries represent the majority of the least developed countries (LCD). Taking into account the fact that in most of these countries, the urban population growth is expanding at a faster pace than the national one, it is important to make three considerations in answering the question: “What will it take to make slum upgrading work in African urban centres?”

    Governments should be prepared to ‘give away’. National and local governments should weigh out the costs and risks of perpetuating the status quo and should fulfill the right of adequate housing for all at a pace that copes with the increase in poor urban households. They should prioritise, for example, the free provision of land for the urban poor, in the understanding that there will be no real estate profit and that no particular individual will benefit — a challenging task in a context where African post-independence elites have generally improved their own lives with little regard to equity and social justice.

    Strategies for the provision of adequate housing for the urban poor should go beyond market logic. In trying to come up with housing strategies that appeal to investors, the focus has shifted from the upgrading of the slum dwellers’ living conditions to the beautification of particularly degraded areas. This unchaining of a series of transaction costs results in a gentrification process that relocates the problem without giving it a solution. Slum upgrading strategies should strictly be conceived through a human rights approach.

    Adequate housing strategies should trigger self-relief dynamics in overcoming poverty. The problem of urban poverty is too big to miss the opportunity to engage concerned communities in devising its solution. The Latin-American slum upgrading experience has demonstrated that giving the right initial impulse to poor urban communities actually encourages a progressive and proactive self-upgrading attitude in slum residents, reducing the need for government funds to improve the living conditions of the urban poor. A strong involvement of the community can also help to reduce the risk of benefiting the wrong people, a common shortfall in superficially planned slum upgrading interventions.

    Claudio Torres is an architect with 10 years experience in the field of slum upgrading and housing in an African context. His work has taken him from the slums of Nairobi to settlements in Somaliland and South Sudan where he has worked as an architect, monitoring and evaluation expert, project manager, and construction expert. Torres has worked extensively in Nairobi’s Mathare valley slum with the Italian NGO COOPI, helping to set up an office in the field from which he coordinated a series of different programs. He is currently a consultant for the Participatory Slum Upgrading Program (PSUP), a division of UN-Habitat.

    Architect, Urban Planner and Consultant, World Bank Municipal Development Program (Mozambique)

    Urbanization in Africa is growing and national governments and local authorities are faced with the challenge of guiding cities’ growth while dealing with other constraints, including limited financial resources; weak institutional, management, and technical capacities; lack of proper urban policies and financial mechanisms to mobilize and regulate investments.

    To strengthen the ability of African cities to generate wealth, prosperity, and economic and human development, national governments and local authorities need to define a clear vision for the future of their cities and their informal settlements.

    Cities must be seen and treated as complex organisms whose elements are interconnected. Informal settlements should be seen as an integral part of this organism, and not as a “sick body” to be fought. They constitute a precious resource for the city and its population and must be included in the urban grid.

    Each and every stakeholder, whether it be the national government, local authorities, civil society, the community, the private sector, or the donor community, have a role to play and must be partners in the development and implementation of this vision for the city. In particular, the active participation of the local community is essential in finding lasting solutions, and to guarantee ownership and sustainability, social cohesion, and integration.

    The implementation of comprehensive and integrated improvement plans in informal areas would be ideal; however, it takes a long time and requires considerable financial resources. Considering the constraints in local financial and institutional capabilities, it is preferable to adopt an incremental approach, whereby small-scale interventions are first envisioned and planned in an extensive development plan, and then are carried out gradually through community participation.

    Priority must be given to the improvement and provision of infrastructure, basic services, accessibility, safety, and the creation of economic opportunities. Concurrently, special attention should be given to outdoor public spaces, where a vital part of the community’s social, cultural, and economic activities is conducted. Improving these spaces would improve the framework of daily life and bring dignity, beauty, and utility to informal and poor areas with minimal resources.

    Sara Candiracci is an architect and urban planner with 10 years experience in the design, management, and implementation of several urban planning and slum upgrading projects in Latin America and Africa with different organizations including UN-Habitat, the Inter-American Development Bank, and various NGOs. She is now working at the Municipality of Maputo, Mozambique, as Urban Planning Advisor for the World Bank Municipal Development Program. She is also conducting her PhD research on the potential use of urban cultural heritage in urban regeneration and planning, considering Maputo as case of study.

    Deputy Director, Community Organisation Resource Centre (CORC), an affiliate of Shack/Slum Dwellers International (South Africa)

    Over the last 20 years, the South African government has been hailed as having the most progressive housing and poverty policy environments in the continent. Besides making welfare grants available to previously marginalized communities, it has made provisions to provide housing to any citizen earning under R3,500 ($350)/month.

    Although more than 2.3 million subsidized homes have been built across the country, the impacts of the housing policy have fallen short. Informal settlements have gone up by 900 percent (from 300 to 2,700) while there are an estimated 2.1 million people on the waiting list for state-subsidized housing.

    Realizing the constraints of the housing program, the State has rapidly shifted its emphasis to informal settlement upgrading. New regulatory frameworks like Outcome 8 have been developed to allow for provision of basic services and tenure rights.

    While the aims of Outcome 8 and its aligned policies have been well defined, in my view there are still gaps in addressing the bigger issues. Firstly, how incremental informal settlement upgrading is implemented must be defined: are we trying to address tenure rights or basic services, land or housing, dependency on the state or self-reliance through livelihoods? Secondly, there is the manner in which informal settlement upgrading is being rolled out. Currently it doesn’t account for strong community, civil society, and NGO participation, nor does it address the broader issue of project finance, outsourcing, and party politics.

    The process of upgrading is about learning and letting go, about making space for communities to innovate with the state, about creating a city-wide network/movement that can change the spatial patterns of the city and strengthen citizenship.

    Aditya Kumar is the technical coordinator and deputy director for the Community Organization Resource Centre (CORC), affiliated to Shack/Slum Dwellers International, currently working with informal settlement and backyarder dwellers of South Africa. His previous experience has included post-war reconstruction of Palestinian refugee camps (Lebanon), post-earthquake disaster housing reconstruction (India), affordable and social housing and large urban development projects (Los Angeles and Boston). His work has fostered multi-stakeholder partnerships between local communities, CBOs, government bodies, academic institutions, and International NGOs, with a key focus on strengthening community-driven design, planning, and implementation. The reconstruction of Palestinian refugee camps has also been shortlisted for the Aga Khan Award for Architecture.

    Architect and Lecturer and Researcher, University of Johannesburg

    The National Development Plan’s Outcome 8 agreement is behind the South African government’s current shift towards in situ housing upgrading as a means of redevelopment. This goal of upgrading 400,000 informal settlements has been developed under the mandate of the National Upgrade Support Program.

    Large-scale construction consortiums are working alongside the government, in collaboration with various planning, architectural, and non-governmental entities on the current Reconstruction & Development Program.

    While these initiatives are creating an institutional framework to begin addressing the needs of informal settlement residents in South Africa, there is little focus across the board on training effective practitioners who can play crucial intermediary roles not only in informal settlement upgrading but also in the nation’s spatial redevelopment.

    From my experience in this field, it seems that there are a disproportionately small number of practitioners who have the understanding, experience, or empathy required to engage with the dynamics of informal settlement communities and the complexity of working within the social, economic, and political intricacy that exists between grassroots entities and government structures.

    A major factor for this condition is related to the lack of opportunities for spatial design practitioners (engineers, architects, planners, etc), to be exposed to these complex environments. As a result, many ‘professionals’, as well as many government officials, often display dangerously simplistic views on how to ‘fix’ the problems at hand.

    From my work and experience in academia and the NGO sector, I believe that empathetic spatial design practitioners hold the key position to engage effectively at the ‘community’ level while addressing the larger spatial inequalities of post-apartheid South Africa.

    My aim lies in understanding and sharing contextually appropriate training, practice, and precedents through critical engagement with South Africa’s residents of poor and unsafe living conditions in order to further develop this ‘additional role’ for socio-technical spatial design practice.

    Jhono Bennett is an architect who works at the University of Johannesburg as a part-time lecturer and Independent researcher, while managing the operations of 1:1 — Agency of Engagement, a non-profit entity which he co-founded to provide a design-based collaborative service between grassroots organizations, professionals, academia, and government.

    Masters Program in Housing at the School of Architecture and Planning at the University of the Witwatersrand (South Africa)

    Internationally, there has been unprecedented focus on ‘slums’ in the new millennium. In southern African cities, informal settlements are certainly a concern, although in Anglophone countries the legacy of British colonial planning has to some extent kept these settlements out of middle-class sight. Where informal settlements have intruded into visible locations, as for instance in Lusophone Luanda, recent efforts have been made to remove these to the city periphery. In South Africa, a somewhat reverse government discourse targeted ‘visible’ informal settlements for ‘in situ upgrading’. This approach was adopted by the high profile N2 Gateway Project in Cape Town, which originally targeted all informal settlements that lined the motorway from the airport to the historical city centre for upgrading. In the years that followed, this project morphed into the Luandan approach — the removal of visible informal settlements. In the Cape Town case, removal was to a controlled decanting camp on the far side of the airport. Yet the public was told that the commitment remained to ‘in situ upgrading’. The term was simply given a new meaning, namely for the state to demolish and then build new housing to modern standard for a different clientele.

    With this juxtaposition of informal settlement treatment in Angola and South Africa, I’d like to provoke debate on the core meaning of ‘informal settlement upgrading’ as well as the political uses associated to the meaning. For me, the essence of in situ upgrading is the recognition of two important points. One is that the unevenly developing economies in southern Africa, in the absence of radical change, will not facilitate the replacement of all informal settlements with planned and fully serviced residential developments for the households currently in these settlements. This recognition prevents ‘wishing away’ the reality of urban informality. The other is that informal settlements result out of determination, initiative (often collective), creativity, and complex decisions by poor households. These must be respected and supported where possible.

    Marie Huchzermeyer convenes and teaches in the masters programme in Housing at the School of Architecture and Planning at the University of the Witwatersrand. This base has allowed her to provide support to rights-based struggles from within informal settlement for ‘real’ in situ upgrading. Her recent work includes a 2011 book “Cities With ‘Slums’: From Informal Settlement Eradication to a Right to the City in Africa,” and a comparison with Brazil in a 2004 book, “Unlawful Occupation: Informal Settlements and Urban Policy in South Africa and Brazil.”