Content of type (all types) tagged with "Financial Services" for the period September 2008
Microfinance, Credit, Savings, Remittances, Microinsurance

Promoting and Protecting the Interests of Children who Work (PPIC-Work) seeks to improve the working conditions and learning opportunities for economically active children and youth (from 6 to 18 years of age) who work in the growing micro- and small enterprise sector in Egypt. The project works with and through locally owned microfinance institutions (MFIs) to pilot and test financial and non-financial services to businesses employing underage workers. Through the loan process, the project supports microfinance institutions in upgrading technology and improving learning opportunities and safety conditions for at-risk and underage workers in the workplace.

The intervention tools have been developed through a child rights-based approach with a strong emphasis on the participation of working children in the design and implementation of the project. Gender equality has also been a strong focus in developing programming with working children and with MFI staff. The application of these intervention tools are consistent with microfinance best practice principles and can therefore be integrated into the on-going, self-financing programming of MFIs, allowing large numbers of children to be reached over time.

Programming is implemented through a series of linked interventions:

Improving working conditions:
  • Dual purpose loans that improve business performance and children’s work
  • A code of conduct developed with both business owners and working children
  • Capacity building of MFIs and loan officers in techniques to identify, analyze and mitigate workplace hazards

Improving learning opportunities:

  • Education support programs to help working children perform in school and build self esteem and confidence
  • Computer based learning that teaches business principles and business ethics
  • Learning through work that strengthens the learning process within workplaces in collaboration with business owners

Key Processes:

  • Children’s rights
  • Gender equality
  • Children’s participation

Surveys with working girls and boys are showing that improvements in their lives and work occur when

  • business owners are aware of problems and are ready and able to make changes, and
  • children themselves become aware of their rights and are able to negotiate changes with business owners.


Contact Information:

Richard Carothers, Project Director
richardcarothers@rogers.com

Jennifer Denomy, Project Manager
jdenomy@meda.org

Performance Period:

2002 to 2009

AttachmentSize
PPIC-Work (MEDA) Profile 2 pages.pdf1.03 MB

Africa KidSAFE is a network of national and international organizations in Zambia working with children who are found on the street (commonly referred to as “street children”) and children who are at risk of moving to the streets as a result of social and economic pressures. The network’s 22 member organizations operate autonomously, but work together in a spirit of collaboration, with common objectives, and under a set of shared guidelines. The network covers Lusaka, Copperbelt, Central and Southern Provinces. With support of the Displaced Children and Orphans Fund and PEPFAR, Project Concern International (PCI) provides coordination, technical support, training, and limited financial and material assistance to the member organizations.

As part of its prevention strategy, the Africa KidSAFE network engages in activities that include street outreach, mobile health, reintegration, residential care, and economic empowerment initiatives. The economic empowerment approach Africa KidSAFE employs focuses on caregivers, with the intent of strengthening the households into which street children are being reintegrated. This includes, but is not limited to, economic strengthening. In target areas, community capacities also need to be strengthened regarding prevention of unnecessary family separation, the identification of child neglect and abuse, and monitoring and support for reintegration.

PCI works in collaboration with, and has provided resources to the Christian Enterprise Trust of Zambia (CETZAM), leaders in microfinance for the poor in Zambia, in order to improve access to microcredit for an estimated 2000 volunteer caregivers who receive support from PCI and/or its partner organizations in the Lusaka and Copperbelt Provinces as part of Africa KidSAFE. Caregivers assist orphans, at risk youth, and people living with HIV/AIDS, and their work is critically important to the country’s public health infrastructure. Moreover, because caregivers are volunteers, finding affordable ways to motivate and incentivize them is crucial to their success and retention within the program.

PCI has identified the lack of microcredit and business training as major impediments to the livelihood security and retention of caregivers, many of whom are widows or women of otherwise limited means, who strain under the financial burden of caring for large numbers of children and/or HIV+ friends or relatives. Most caregivers currently undertake some informal microenterprise activity or small business, and PCI recognizes that there is a tremendous unmet need for microcredit lending among these individuals. With this need in mind, Africa KidSAFE is beginning a savings-led economic empowerment initiative in October 2008.

Contact Information:

Project Concern International
info@pcizambia.org.zm

Performance Period:

January 2005 to September 2010

Recognizing that the majority of orphans are cared for by family members, Project HOPE focuses on strengthening the capacity of caregivers to provide comprehensive care and support to improve the well-being of children. To address the increased economic needs of orphans and vulnerable children’s (OVC) households and assist in providing the means for sustainable, long term program impact, Project HOPE provides micro-loans and conducts savings mobilization for OVC caregivers to engage in small-scale income generation activities.

The project also uses the vehicle of these loan & savings groups to promote parenting training on the important domains of OVC care and support. Project HOPE developed an OVC-targeted educational curriculum covering essential OVC care and support. The training provides OVC caregivers with education and access to information and resources to help them support the needs of all children under their care, including orphans. This education encompasses a variety of domains including household nutrition, health, parenting skills, HIV prevention, appropriate protection, legal rights, and psycho-social support.

The economic strengthening activities are complemented by community outreach mobilization to further support the needs of OVC providers/caretakers and OVC. Project HOPE mobilizes a network of community based volunteers who are trained through a training of trainers (TOT) methodology on the specialized OVC educational curriculum. These volunteers will in turn identify OVC providers/caretakers within their community and provide home visits, training, counseling, and referral services for them to better improve the well-being of OVC under their support.,

Monitoring and evaluation are critical components of Project HOPE’s approach. Socio-economic profiles are collected on participants in economic strengthening activities to document changes in economic status. Project HOPE has also initiated low-literacy data collection tools that can be managed by the caregivers to empower them in knowing both current status and desired outcomes for the children under their care – referred to as a “parenting map”.

Project HOPE has documented increased income and improved financial resources for OVC caretakers, allowing them to better purchase school uniforms, pay school fees, buy an increased quality and quantity of food, and improve access to medical care. When combined with the increased knowledge about parenting and child-care issues across multiple domains of need, orphans and vulnerable children are shown to receive provide better care and support, and an improvement in their overall well-being.

Additional Countries:

The project is also active in Namibia and South Africa.

Contact Information:

John Bronson
Director, Economic Strengthening Programs
jbronson@projecthope.org

Performance Period:

April 2005 to April 2010