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  • URBim | for just and inclusive cities

    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

  • URBim | for just and inclusive cities

    It is widely accepted today that cities are a positive force in global development and that the future of the planet depends on the future of its cities. But experience shows that there is often a 20-25 year time lag between new ideas and their incorporation into public policy. For example, in many countries it has taken decades for policy makers to stop looking at slum neighborhoods as problems, and instead see them as solutions developed by families seeking a better life for themselves and contributing to economic growth through the cities’ informal economy. Only then have appropriate policy responses followed, where policy makers focus on providing land-tenure instead of bulldozers. But not every city is at this same juncture, and many individuals and institutions throughout these cities are hungry to learn how they can advance their own solutions. Read more.

    Submitted by Editor — Thu, 03/27/2014 – 11:48

    Several years ago in Beyond Smart Cities, I wrote about cities on the prowl. By the thousands, cities from around the globe are flying every which way, searching like so many hunters and gatherers to learn and share information. By one estimate, the 1,000 cities on the planet that have more than half a million people are engaged in many thousands of exchanges every year. Why so much prowling? It’s much cheaper and less risky to pick up the secrets of success by examining innovations at close range in other cities, where new practices have been tried out, than to reinvent the wheel back home. Nothing has slowed that pace, but some of the consequences of so much international inter-city exchange is smartness that is now appearing in three flavors. Read more.

    Submitted by Editor — Mon, 03/24/2014 – 15:22

    Upon exploring how just and inclusive cities can emerge a key component of analysis is social life — how people act in cities, the complex character of sociability, and the factors designing urban life. Multiple concepts have been raised to define what a city is — and has become, and further, what kind of life materialises within urban spaces. Over time cities have been conceptualised as ‘misanthropic’, expressing disorganisation, violence, and a dense concentration of people whom adopt different mentalities and motives. Such urban personas are expressed through space. Read more.

    Submitted by Editor — Mon, 12/02/2013 – 14:18

    As competition for land intensifies in Africa’s rapidly growing towns and cities, planning laws assume a fundamental importance. They determine how urban growth is managed and directed. In most countries outdated, inappropriate and unintegrated laws are exacerbating urban dysfunction. Read more.

    Submitted by Editor — Tue, 11/26/2013 – 15:34

    With urbanisation becoming a rising topic on the research agenda it is interesting to see how new models for urban planning, and laws, are being constructed. Recently, an event by the African Research Institute raised such ideas. The speakers introduced how the contextual diversity across Africa required exploration, and consultants need to focus on adapting a checklist of rule making, rather than make the rules, in planning Africa’s emerging cities. Current African cities were presented as ‘un-planned’, or in need of a re-visioned approach to become inclusive and equitable. Urban planning was the solution — a means of enabling tax reform, effective management, and equal rights to the city. However, urban planning law needed to be re-written to work for ‘African cities’. Read more.

    Submitted by Editor — Thu, 11/21/2013 – 11:58

    It is widely believed that urbanisation is occurring faster in sub-Saharan Africa than anywhere else in the world, as migrants move from rural to urban settlements. This is a fallacy. While the populations of numerous urban areas are growing rapidly, the urbanisation levels of many countries are increasing slowly – if at all. Natural increase, rather than net in-migration, is the predominant growth factor in most urban populations. African governments, policymakers and international donors need to acknowledge fundamental changes in urbanisation trends, and respond to the irrefutable messages these impart about urban employment, incomes and economic development. Read more.

    Submitted by Editor — Mon, 10/21/2013 – 13:16

    Africa’s cities are growing — and changing — rapidly. Without appropriate planning, they will become increasingly chaotic, inefficient and unsustainable. In many countries, planning legislation dates back to the colonial era. It is ill-equipped to deal with contemporary urban problems. A shortage of urban planning and management professionals trained to respond to urban complexity with progressive pro-poor approaches exacerbates urban dysfunction. Read more.

    Submitted by Editor — Tue, 10/15/2013 – 15:55

    The trend towards experiential travel will be the major force shaping the future of the travel industry, and there is significant potential to create sustainable travel economies in developing nations with the rise in popularity of this form of travel. All one needs to do is look at the rise of sites such as Yelp and Lonely Planet to understand that people no longer necessarily want what is easy to access and convenient, but seek unique attractions that make travel more varied and interesting. Read more.

    Submitted by Editor — Thu, 10/03/2013 – 10:44

    Last week, the New Cities Foundation’s Executive Director, Mathieu Lefevre, wrote an article for Ashoka’s Next Billion on the results of the Foundation’s E-health project in Rio de Janeiro. The project was the first major study looking at the impact of integrating e-health technology in low-resource, densely populated, urban settings. The New Cities Foundation is currently looking to dramatically extend the project with the city of Rio to cover most of the city’s favelas. Read more.

    Submitted by Editor — Thu, 09/26/2013 – 10:17

    The sharing economy, which really took hold in in the US following the 2008 Financial Crisis, looks to expand into the developing world as increases in mobile penetration are driving people to use the internet for more daily activities. The central idea behind the so-called collaborative consumption trend is to capitalize on underutilized capacity and give both “lenders” and “borrowers” the chance to benefit in the process. Read more.

    Submitted by Editor — Tue, 09/24/2013 – 10:20

  • URBim | for just and inclusive cities

    Katy Fentress, Nairobi Community Manager

    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.

    A 2012 study conducted at Kenyatta University, in Nairobi, established that once different institutions have finished using the equipment they are sold off on the informal market. In this way the electronic components trickle down the chain until they are eventually dismantled and find their way to city roadside markets or are discarded or burned as cheaply as possible. This inefficient system for discarding the waste causes a significant environmental impact due to the substances that leak out and pollute water supplies, the air, and the surrounding soil.

    While the government of Kenya increasingly recognises the importance of tackling the e-waste problem, so far it has been ill-prepared to face the challenge. As a result, private companies have begun to step up and propose their own solutions.

    Since 2009, the technology giant Hewlett-Packard has been operating an e-waste recycling plant in Mombasa. Initially the only facility in East Africa to dismantle, separate, and recycle e-waste components, the company has since 2012 opened a branch in Nairobi as well. One of the consequences of establishing this recycling plant has been the recognition that there are significant financial benefits to be accrued from the recycling of e-waste.

    Hot on the heels of HP, a more recent initiative has seen a consortium of different companies collaborate to create a sustainable and ongoing e-waste recycling system in Nairobi. Going by the name of Waste Electrical and Electronic Equipment (WEE), the company aims to dismantle ICT hardware and recycle it in an environmentally friendly way. Furthermore, the company encourages ICT users and resellers to dispose of products with them in order to raise awareness about the importance of appropriate ICT recycling.

    Working in close collaboration with the National Environmental Authority, WEE have successfully created a series of different sustainable approaches to electronic waste management. Of these, one that has received a lot of attention is a scheme made in collaboration with Kenya’s telecommunications provider Safaricom. The initiative involves a caravan that for five weeks makes the rounds of Nairobi’s many street and informal markets, in order to collect electronic waste and exchange it for branded items and other promotional materials.

    “I heard about the caravan coming to Gikomba market,” says Jessica Nyawira, a lady who lives in the neighborhood. “I myself did not have anything to bring to them, but I think this is good, because when market traders burn plastic it gives me bad headaches in the evening.”

    The aim of the initiative is to collect 50 tons of waste over the month of July. It remains to be seen if the caravan will make a significant overall impact, but it should help to raise awareness of the importance of recycling e-waste in a city that has pledged to make the recycling of different refuse streams its main priority for 2013.

  • URBim | for just and inclusive cities

    Jorge Bela, Gestor Comunitario de Bogotá

    Hay muchas cosas positivas que esperar para el año 2014 en Colombia. Se prevé que el crecimiento económico siga siendo vigoroso, al tiempo que las conversaciones de paz pueden acabar con un conflicto armado que ha durado ya varias décadas. Estas circunstancias presentan un escenario sin precedente para aliviar los problemas de pobreza y desigualdad que sufre el país. Bogotá y Cali, las dos ciudades que seguimos en este blog, tienen iniciativas en marcha que pueden ofrecer soluciones concretas a estos dos problemas. Sin embargo, la incertidumbre es también elevada, tanto a nivel nacional como local. Por un lado, los resultados de las conversaciones son inciertos. Por otro, las elecciones presidenciales que se celebrarán en su primera vuelta en mayo también resultarán en una ralentización de la administración central. Aunque se espera que Juan Manuel Santos ganes la reelección, cualquier cosa puede suceder en la política colombiana, y un cambio en la presidencia puede decelerar aún más el ritmo de las reformas.

    En Bogotá hay varias iniciativas en marcha en el sector del transporte público. Los planos para el metro están entrando en la última fase de los estudios geológicos, que estarán terminados a lo largo de 2014, lo que permitiría que en 2015 se adjudicara la construcción de la mega obra. En la superficie se está avanzando en la ampliación del sistema de Transmilenio por una avenida aún por definir. 200 autobuses híbridos empezarán a circular por la Avenida 7ª, sustituyendo a las contaminantes busetas privadas. Si a esto sumamos la reciente inauguración del Transmilenio a Soacha, 2014 puede ver una mejora significativa en los problemas crónicos de transporte público en la capital colombiana, aunque aún serán necesarios ingentes esfuerzos en esta área para llegar a tener el sistema que necesita una ciudad tan grande y extendida.

    Por otro lado, el plan para revitalizar el hermosos pero descuidado Centro Histórico continúa avanzando. La administración está trabajando en los protocolos necesarios para llevar a buen puerto estos planes. Para lograrlos se está contando con la ayuda de expertos internacionales de la región, así como de agencias multilaterales. Se espera que su definición termine a lo largo del año, lo que permitiría que las obras de mejora se completaran a lo largo del 2014.

    En diciembre, sin embargo, la oficina del Procurador General de la República ordenó la destitución del Alcalde de Bogotá, Gustavo Petro, por supuestas deficiencias en la transferencia del servicio de basuras de concesionarios privados a la Ciudad. La decisión puede ser recurrida y el Sr. Petro ha asegurado que la combatirá tanto con acciones legales como con movilizaciones populares. El diferendo legal y político en el que está inmersa Bogotá añade un elevado grado de incertidumbre al futuro de las iniciativas actualmente en marcha.

    En Cali el alcalde Rodrigo Guerrero goza de considerable apoyo político y popular, lo que trae mayores perspectivas a su plan urbano más ambicioso: el Corredor Verde. Sin embargo, Guerrero está sujeto a la misma limitación de mandatos que el resto de los alcaldes colombianos, y que prohíben la reelección consecutiva. Cuatro años es un plazo demasiado corto para acometer un proyecto de esta envergadura, por lo que se hace imprescindible generar el mayor apoyo posible a la iniciativa como mecanismo para garantizar su continuidad a largo plazo. Con este fin a lo largo del 2014 se dará inicio a proyectos piloto relacionados con el Corredor a los que daremos cumplido seguimiento en este blog.

    Finalmente, el 7 Foro Urbano Mundial tendrá lugar en Medellín de 5 al 11 de abril de 2014. Se espera que el Foro atraiga más de 10.000 participantes, incluyendo jefes de estado, alcaldes, gobernadores, académicos, profesionales y representantes del sector público. El Foro ya está atrayendo la atención de los medios de comunicación colombianos. El lema del Foro, Equidad Urbana en el Desarrollo — Ciudades para la Vida, sin duda tendrá una resonancia especial en Colombia. El Foro, y su resonancia internacional, servirán como incentivo y como inspiración para las ciudades de Colombia.

    Jorge Bela, Bogotá Community Manager

    There is much to look forward in 2014 in Colombia. Economic growth is expected to remain strong, and the decades-old armed conflict could be close to its end if the peace conversations now underway are ultimately successful. These circumstances bring an unprecedented opportunity for the country to tackle poverty and rampant inequality. Bogotá and Cali, the two Colombian cities covered on this platform, are working on major initiatives that could have a significant impact on these fronts. However, uncertainty is also quite high, both at the national and local levels. For one, the results of the peace conversations are far from certain. Furthermore, Presidential elections, to be held in mid-year, imply a slowdown of central government activity for most of the year. Although Juan Manuel Santos is expected to win re-election handily, anything can happen in Colombian politics, and a change at the top would also bring the processes of reform to a temporary halt.

    In Bogotá, several major initiatives related to mass transportation are underway. Plans for the subway system are reaching their final stages as geological studies are being undertaken on the proposed path of its first line. The engineering studies should be finished in the course of 2014, which would enable the construction of the system to be formally awarded in 2015. Above ground, the Transmilenio surface is to continue its expansion through a still undefined major avenue, while 200 hybrid buses are scheduled to run on 7th Avenue, replacing aging and highly polluting private mini-buses. Together with last week’s inauguration of the Soacha line, these Transmilenio initiatives would bring significant relief to the perennial transportation woes that plague the capital, although much work remains to be done to bring Bogota’s public transportation system up to the level needed for a city of its size.

    The plan to revitalize the beautiful but largely dilapidated historic center also continues to advance. City Hall is in the process of defining the protocols that would allow these plans to come into effect. In order to do so, Bogotá is seeking technical advice from regional experts, as well as from multilateral organizations. The protocols are expected to be finalized well before the end of 2014, allowing for actual work to start in 2015.

    In December, however, the Solicitor General’s office ordered the Major of Bogota, Gustavo Petro, to be ousted from the post over alleged mishandling of the garbage service reforms. The decision can be appealed, and Mr. Petro has vowed to fight it, both legally and by mobilizing people in the street. The legal and political battles surrounding Bogotá now leave serious clouds of uncertainty over the future of the projects currently underway.

    In Cali, Mayor Rodrigo Guerrero has wide political and popular support, which brings great hope for the city’s most ambitious urban renewal project: the Corredor Verde. Still, Mayor Guerrero is held to the same strict term limits that apply to all mayors in Colombia: four years with no consecutive reelection. Since a project as complex as the Corredor Verde cannot be undertaken in such a short time, it is essential to garner as much support as possible so that future administrations will continue to pursue the project. In order to do so, Cali is planning to launch pilot projects during 2014, to be completed through 2015. We will follow these pilot projects closely and report on them here on URB.im.

    And, of course, the 7th World Urban Forum will be held in Medellin on April 5-11. The Forum, which is expected to attract 10,000 participants including heads of state, governors, mayors, academics, professionals, and members of the private sector, is already receiving significant media coverage. This year’s theme is, significantly, Urban Equity in Development — Cities for Life, which is likely to resonate strongly in Colombia. The Forum will without a doubt serve as an incentive and an inspiration for all Colombian cities.

  • 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

    Catalina Gomez, São Paulo Community Manager

    São Paulo, the biggest city in Brazil, has 11 million residents and is the epicenter of the third largest metropolitan area in the globe. It is fully urbanized and presents few connections with close by rural areas, with the exception of two fundamental aspects: (i) food supply; and (ii) shared natural resources. The following two initiatives contribute to São Paulo’s sustainable development through the expansion of urban agriculture and the conservation of natural resources, bringing greater balance between the megacity and nearby rural areas.

    Hortelões Urbanos is a recent initiative that aims to expand urban agriculture in São Paulo. It offers a platform for exchanging experiences and lessons learned on urban agriculture, local food production, recycling, and healthy urban lifestyles, and currently has more than 5,000 followers on Facebook. The initiative has also, in less than a year, developed seven community gardens in public spaces throughout the city, promoting joint work among community members toward more sustainable neighborhoods. The gardens are located in public spaces, so careful attention is paid to ensure that the gardens respect public space norms and ensure the proper flow of pedestrians, their pets, and bicycles.

    The initiative was launched by two committed women, Claudia Visoni and Tatiana Achcar, who are journalists and advocates on the need for more sustainable lifestyles in cities, with a focus on local food production and reduced dependency on an external food supply. Besides their leadership, Hortelões Urbanos is supported by a network of volunteers, who not only help to plant the various community gardens, but also help in their cleaning, watering, and upkeep, contributing to the gardens’ sustainability. Their example influences thousands of residents and is inspiring new initiatives as well. Those interested in learning more about this group can follow its presentation on the Pecha Kucha Global Night this September 20th, which will showcase “hidden heroes” in various cities.

    The second initiative is called Festival Cultivar, an annual event that aims at creating awareness about sustainable lifestyles and the importance of preserving São Paulo’s natural resources, including its water sources and trees, which are present throughout the metropolitan area and even reach the rural areas. The event was established in 2010; since then, it takes place in a public park each September, the same week as Tree Day (September 21) and International Car-Free Day (September 22), to reinforce some of the priorities aligned with a sustainable lifestyle.

    Festival Cultivar also brings “Cultivar Talks,” which can be compared to a local TedX platform for exchanging best practices and experiences on urban environmental sustainability. Cultivar Talks promotes the participation of civil society members and public policy experts, bringing different perspectives and solutions to São Paulo’s environmental challenges, with a focus on the conservation of the city’s natural resources, planting trees, and cleaning rivers and streams.

    Photo credit: Hortelões Urbanos

  • 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

    একটি বিদ্রূপাত্মক কিন্তু বিনোদনমূলক ভিডিও থেকে বুঝা যায় কিভাবে একজন আন্তর্জাতিক সাহায্য কর্মী এবং একটি আফ্রিকান গ্রামবাসীর কাছে দরিদ্রের সংজ্ঞা ভিন্ন হতে পারে। যদিও এই ভিডিওটি কিছুটা গতানুগতিক এবং ক্ষতিকারক, এটি পরিষ্কারভাবে দেখায় যে কখনও কখনও ঘটনা এবং পরিসংখ্যান ভুলে, দারিদ্র্য দূরীকরণ এবং উন্নয়ন আসল লক্ষ্য স্মরণ করা প্রয়োজন। বাংলাদেশে ২৫ লক্ষ চরম দরিদ্র আছে, যার একটি গুরুত্বপূর্ণ অংশ ঢাকা শহরে বাস করে। কিন্তু, তাদের স্বতন্ত্র চাহিদা সংক্রান্ত কোন ব্যপক গবেষণা এখনো হয় নি। দরিদ্র আখ্যান প্রায়ই গতানুগতিক ও ভুল ভাবে উপস্থাপিত এবং তাই, দারিদ্র দূরীকরণে দরিদ্রদের নিজস্ব গল্প শোনা অত্যন্ত গুরুত্বপূর্ণ। আর তাই, দারিদ্র্য দূরীকরণের জন্য চিন্তাধারা “হস্তক্ষেপ” থেকে “সহযোগিতা”য় পরিবর্তন করতে হবে। Read more or discuss.

    A satirical yet entertaining video shows how an international aid worker and an African villager disagree on what it means to be poor. Though this video is to an extent stereotypical and exaggerated, it depicts clearly that facts and statistics should be used cautiously, and the real target of poverty eradication should be kept in mind. There are 25 million extreme poor in Bangladesh, a significant proportion of whom live in Dhaka city. However, there has been no comprehensive study of their individual needs. The narrative of the poor is often stereotyped and misrepresented and it is therefore vital that the voice of the poor be heard. The buzzword in poverty eradication must change from “intervention” to “cooperation.” Read more or discuss.

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

    Event: Transforming Local Government Conference 2013
    10–12 April 2013 Atlanta, Georgia

    Can you imagine what the future holds for local government? While it’s hard to gain full insight into the future, what we do know is that local communities are changing. This change is happening as a result of demographic swings, economics, and shifts in the political landscape. Success into the future for a local government organization will be defined by an ability to adapt, learn and foster creative ideas to meet the challenges of tomorrow.

    Through innovative case study sessions, conference attendees will take an in-depth look at the ingenuity and creativity of successful government programs. During provocative keynote sessions, you’ll be inspired to tap into new energy and a sense of reinforced commitment to your work. Learn more.

    Event: Forum mondial de la démocratie
    27–29 novembre 2013 Strasbourg, France

    Le manque de participation démocratique est le symptôme du découplage entre les citoyens et les institutions. Les médias et réseaux sociaux permettent aux responsables politiques et aux militants d’être en prise directe avec le public, à tout moment et en tout lieu. Ils favorisent l’émergence d’une multitude de communautés d’intérêts, mais peinent à s’imposer comme le lieu d’un vaste débat démocratique. Ils ont alimenté des révolutions démocratiques et des mouvements citoyens de protestation, mais peuvent-ils réellement contribuer à consolider la démocratie représentative et la gouvernance au quotidien ?

    L’édition 2013 du Forum mondial de la démocratie à Strasbourg s’intéressera au thème de la participation démocratique en adoptant une démarche dite appréciative : au lieu de se focaliser sur les problèmes, si vastes et complexes qu’ils peuvent paraître insurmontables, le but est de présenter des initiatives, des expériences et des idées qui proposent des réponses et une voie à suivre. S’intéresser aux solutions plutôt qu’aux problèmes est un moyen de stimuler la créativité et l’imagination et de mobiliser les énergies pour une idée, plutôt que contre. Le Forum sera l’occasion de découvrir les initiatives réussies de participation démocratique, les obstacles auxquels elles se heurtent et leur potentiel de généralisation. Il sera aussi le lieu d’une évaluation critique des nouvelles idées d’innovation démocratique et de leur développement en mode « open source » par les leaders et les innovateurs présents physiquement ou virtuellement. En savoir plus.

    It made international news headlines. An estimated forty thousand persons, rendered homeless in no time, when a demolition squad rolled into Ijora Badia community. It’s the way of Lagos, it seems. The poor — who make up the ‘informal economy’ that reportedly constitutes about 70 percent of the city’s population — are perpetually on the run, hounded by government policies that seem to exist for the purpose of making more land available for the minority well-off to play with. (Apparently the bulldozers’ metal fist has been dangling above Ijora Badia since 1996/97.) Read more.

    Submitted by Tolu Ogunlesi — Mon, 03/11/2013 – 13:28

    Homelessness in Nairobi is not always apparent to the passer-by. By night the streets of central town are not full of people sleeping rough as is often the case in affluent “developed” cities. Even in slums, homelessness is quite contained, with people cramming into tiny huts but not on the beaten paths outside. There is, however, one part of the population that makes a living in the shadows of Nairobi’s streets. These are youth, constantly on the run from the police, many of whom make a bed for themselves when night falls wherever they can. Read more or join the discussion.

    Submitted by Katy Fentress — Mon, 03/11/2013 – 01:00

    In the early hours of Monday 11 February, as Kibera residents set off to work, they were treated to the sight of a brightly painted train passing through the heart of their slum. This was the Kibera peace train, a collaborative effort of members of the community-based organisation Kibera Hamlets, Nairobi’s celebrity graffiti writers Spray Uzi, and many other Kenyan artists who turned up at the city’s railway station the previous Sunday to paint the entire side of a train with messages of peace and unity. The project, which was endorsed by the Rift Valley Railways, is another episode in a long line of political artistic campaigns targeting Kenyan citizens and politicians in the run-up to the elections this coming 4th of March. Read more or join the discussion.

    Submitted by Katy Fentress — Mon, 02/18/2013 – 00:00

    Muungano wa Wanavijiji, a Kenyan partner of the Slum Dwellers International network, is battling it out in court to protect the residents of Mukuru kwa Reuben slum from being evicted from land they have occupied for more than thirty years. In a landmark court case, a legal team representing Muungano is attempting to sue a series of high-profile politicians — including the ex-president, a presidential aspirant, and prominent entrepreneurs — on behalf of the community. If successful, the case will be one of the first to effectively use the new constitution as backing for a community’s land claims. Read and discuss.

    Submitted by Katy Fentress — Tue, 09/25/2012 – 01:00

    In July, the Lagos State Government razed the homes, businesses, and livelihoods of more than 20,000 residents of the waterfront community of Makoko, a major slum in the megacity. The recent destruction of homes and livelihoods is not a new phenomenon in this waterfront community: Seven years ago, in April 2005, the government led a similar exercise, demolishing houses, churches, shops, and community health clinics, and displacing more than 3,000 people. The trend of these demolitions, and similar ones in Lagos State and across the country over the past few years, highlights the insecure position of land tenancy and title for residents in informal communities and slums like Makoko. Read and discuss.

    Submitted by Victoria Okoye — Wed, 09/19/2012 – 01:00

    Masalah tanah masih menjadi masalah utama bagi warga miskin di ibukota Jakarta. Meski intensitas pemberitaannya kian berkurang, penggusuran tetap merupakan momok yang menghantui masyarakat miskin Jakarta, khususnya pendatang. Sejumlah organisasi non pemerintah dan lembaga swadaya masyarakat telah lama menyuarakan keberatannya dalam praktek-praktek penggusuran yang kerap kali tidak mengindahkan hak asasi manusia (HAM). Human Rights Watch (HRW) adalah salah satu organisasi yang menyoroti hal ini dan mengusulkan solusi.

    Submitted by Julisa Tambunan — Wed, 05/02/2012 – 01:00

  • 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.”

  • URBim | for just and inclusive cities

    Some of the fastest-growing cities in the world are in Africa. According to the United Nations, there will be over a billion people living in slums in Africa by 2050. This concentration of humanity with little clean water and no sanitation yet with a surplus of refuse presents growing public health hazards. What signals are there of new solutions to meeting these urgent issues?

    Trash has long been used as a cheap building material, but what if it could fuel a community? The Community Cooker addresses multiple challenges of slum living and produces multiple benefits. For starters, the cooker is fueled by rubbish. Plentiful around slums, trash is a cheaper fuel source than charcoal, gas or kerosene. And burning trash instead of wood protects dwindling forests. It also prevents the garbage from contaminating waterways. The cooker is shared by residents and contributes to the sense of community. The Community Cooker Foundation has piloted this project in Laini Saba Kibera near Nairobi, Kenya and has plans to set up cookers in other parts of the city and country.

    An even trickier topic, what can be done about sanitation needs? There are many ideas for innovating on the toilet. The Gates Foundation has awarded innovations that not only safely manage the waste but also produce different forms of power and clean water.

    In another example, a company called Sanergy promotes entrepreneurship. In Kenya, Sanergy offers small business opportunities to franchise operators of its Fresh Life toilets. For roughly $575, a person can buy a toilet block outfitted with toilet roll, a solar lantern and a mop. Operators are incentivized to keep the toilets clean. The air tight collection containers are emptied on a daily basis. The waste is processed centrally into biogas for electricity generation, and the output from the biogas is processed into organic fertilizer and sold to farmers.

    An innovation the sprung out of the Lagos Maker Faire, three Nigerian teenage girls have developed a urine-powered generator. Using an electrolytic cell, one liter of urine can generate six hours of electricity. While there is still much progress to be made on this concept, invention is underway on the most critical issues facing urban dwellers today. For more examples, see the Financial Times Urban Ingenuity Awards.