Urgent Evoke

A crash course in changing the world.

Social Innovation: saving your shillings in a small women's group

I learned several techniques to finding simple and innovative solutions to poverty issues in Uganda. 1. Listen to people when they talk about their problems, be empathetic, and try to live life their way to understand the problem from their angle as well as your angle. 2. Create simple (I can't emphasize that enough!) solutions which are replicable and catchy- solutions which are transparent to even the least skilled user and that you can explain easily. 3. Make sure the solutions involve building human capital- empowering people with skills which they can master over time and apply in other areas of their lives to improve their lives.

One example of how I applied these three social innovation techniques involves three groups of grandmothers in three parishes in a rural area of Uganda. I was at the Eastern Ward Grandmother's Self-Help group's bi-monthly meeting when they brought out a large metal box with a lock on it and began passing out neatly organized blue passbooks. I was there to learn how the ladies conducted their meeting, which was always very revealing and inspiring.
"What was the box for?" I asked. The Eastern Ward group had one member, a prominent local, woman leader who was a field officer for CARE Int'l for that Sub-County. She had advised them to start collecting their own personal savings. After counseling her friends and relatives (everyone in the area was connected in a close social network) on savings techniques and the values of savings, the group decided to pool their funds to purchase the box, the personal passbooks (which kept track of their savings and loans payments), and a stamp.
"Why the stamp?" I asked. Nearly all of the women in the group are illiterate. The stamp represents 200 UGX (about .10 USD). The women can easily add up the amount they have saved by counting how many stamps they have.
"Does the stamp work for them?" Actually, yes! The women even feel a bit of competition as they see other women adding stamps to their books. They feel encouraged to add more stamps to their books. Also, most women can at least save 200 or 400 UGX at a time. So, the stamp makes them feel accomplished in saving even the smallest bit they have. It works perfectly as a reward mechanism. (I noticed that many women were discouraged to save because they did not feel that they had enough to save- as if the bit they had wasn't 'save-worthy' - the stamp changed that).
"When can the women take out from their savings?" Anytime they need to. However, they encouraged to add on to their savings.
"How can they ensure that their money is safe in this box?" Well they decided that the President, Secretary, and Treasurer (all ladies who were democratically voted into their positions by the group) should all hold a different key to a different lock on the box. The box could only be opened when all three members were present in one place to open their locks. This ensured checks and balances, and it has built a large amount of trust and cohesion in this group. They love one another.

This wh*** solution was so innovative, simple, and transparent. It got me excited. The women even told me they were pumped watching how excited I was about what they had accomplished. Previously I had talked to the Northern Ward Grandmothers Self-Help group about starting a bank account at the Kanungu Development Bank in town. Why hadn't they started an account? They told me they wanted to but the bank required a minimum balance to sustain the account. They also charged fees on certain transactions and when too many transactions occurred. The group could not sustain the fees and lost confidence in the bank. Most of all, the bank was simply intimidating. The paperwork was difficult to understand and impossible to read for most women. They had good reason to hesitate working with large institutions like federally regulated financial institutions. These banks were not in business to service the poorest of the poor, although they may wish to. Many of the women expressed to me their experiences in the past of relationships with authorities gone sour when processes were not explained to them properly, authorities failed their expectations, or authorities downright didn't deliver on promises for one reason or another. The group saving scheme just seemed to make sense!

After borrowing one of the Eastern Ward's passbooks I rushed over to the Northern Ward groups' president's house and then to meet the Bushura Grandmother's Self-Help Group. I explained the scheme and how Eastern Ward was already making great strides. The ladies were comforted by the fact that another group of women in similar life circ**stances were moving mountains with such a simple scheme. They examined the passbook, drew up a sample of it, and debated ideas of how the savings scheme would work. Members raised their hands to bring up concerns which others contemplated quietly. Women popped up excitedly with possible solutions. They adapted the concepts to their groups' needs. Then they voted on whether to adopt the scheme. They voted unanimously! It was amazing to watch them build trust and cohesion in their groups which would carry on into the effectiveness of their endeavors. They were learning incredibly valuable skills there that day! What skills you may ask?

1. Learning to design incentive systems which ensure cooperation, mutual interests, and positive results every time.
2. Learning group problem solving techniques such as: exploring options; resolving conflicts; identifying strengths in the group which may forward the objective; and building consensus and trust.
3. Learning personal effectiveness skills such as: respecting/caring about other's opinions and viewpoints; maintaining an open, non-judgmental mind; maintaining and fueling optimism; expressing one's opinions effectively; and inspiring others to action.

This was just in the decision making process and it does not include the skills they learned while carrying out this savings scheme.

-MW

Views: 25

Comment by Kevin Carolan on March 20, 2010 at 11:41pm
Well done! Perhaps the next obvious thing to do would be to bring the larger groups together, or at least put them in contact with one-another, so that if there are any larger problems they want to tackle they can call on their neighbours?
Comment by Megan Whaley on March 21, 2010 at 12:55am
That's a great idea Kevin. Many of the groups asked for "cross site visits" (what they called visiting other groups). We've been trying to facilitate this, and it's having incredible results for the women. We have not invested in a stronger communication network that could connect these women more tightly over longer distances to their neighbors (which we surely need to do). Many of the women said in regards to their group members: although they lived close to one another, without the group they would have never truly met one another. This tight connection they're making with their community members is changing their lives.

Thanks again for the feedback.

-MW
Comment by Ssozi Javie on March 22, 2010 at 7:49am
Providing a working solution for a working group! - I like the idea of cooperation - You could also read one of my posts " I reinvent cooperative farming and the Granary".
As a group we can do much more. I am glad the rural women have realized this and they are not being selfish (no more)!
Its very good to hear that you worked in Uganda to help Rural farmers. Now, we need to do few touches with the groups. Provide a little bit of modern skills, a few modern tools and like Kevin said, create larger cooperatives. I am working on an Evokation proposal on Agriculture, I could use your input and Nyakaschool? :)
Comment by Shakwei Mbindyo on March 22, 2010 at 1:10pm
+1 KS. We have something similar in Kenya called the a chama (literally means organisatioin) which is a group of friends who come together and contribute a specific amount each day, week or month. The amount collected is given to different members of the chama which enables them to afford something that would otherwise have been beyond their reach eg. cooking stove, school fees etc. Almost all Kenyans belong to a chama contributing as little as 1 shilling per person to as much as millions per person.

Comment

You need to be a member of Urgent Evoke to add comments!

Join Urgent Evoke

Latest Activity

Ning Admin is now a member of Urgent Evoke
May 17, 2023
N updated their profile
Sep 25, 2020
Sophie C. commented on Asger Jon Vistisen's blog post Stinging Nettle
"I love that you've brought this to attention. An extensive database of uncommon but resistant and hardy plants/foods could be developed and organized by climate. Ease of growth and processing should also be taken in to account. I will try to…"
Aug 19, 2020
Meghan Mulvey posted a blog post

Fourth of July on the Lake

This past weekend was the annual celebration at the lake house in Connecticut. It is amazing that the lake is still so clear and beautiful after all these years. The watershed association has done a wonderful job protecting these waters from the damaging effects of development.The wood grill was finally ready to cook on, so we didn't miss the propane tank fueled grill anymore. The food actually tasted fresher than in the past and was easy to keep fueled.Dad was very proud of the solar hybrid…See More
Jul 6, 2020
Asger Jon Vistisen posted a blog post

Stinging Nettle

In this blog post I will focus on a plant that is abundant in our nature, and which is immensely nutritious. It's of course the Stinging Nettle. Let's start with the chemical constituents of this plant:37 % Non-Nitrogen-Extracts19 - 29 % Ash9 - 21 % Fiber4 % Fat22 % ProteinOnce the leaves are drid, their protein content can reach an astounding 40 %, which is much higher than beef, which even under the best of circ**stances can never exceed 31 % protein. In addition the Stinging Nettle consists…See More
Apr 13, 2020
Jonathon McCallum posted a blog post

The meal

It is 7'oclock, I was late home from work due to an assignment that i wanted to get ahead on. By the time I get home I am feeling extremley tired and I cannot be bothered to make a proper meal. I walk to the fridge and open it to see what there is for me to eat. All of the out of date foodstuffs have been automaticaly thrown away by the fridge, they will be recycled tomorrow as animal feed or something. I see i have organic local eggs and some local cheese. Foods are vacc** sealded for easy…See More
Mar 10, 2020
Jean Paul Galea shared a profile on Facebook
Mar 1, 2020
Kevin posted a blog post

Future

FutureToday is 2020/1/1. It is just like yesterday. The war is still continuing. It has started since 2010. In 2010, that year was a horrible year. Almost every energy ran out. Every country’s governments were crushed down at the same time. There were riots everywhere. All of the big company’s bosses were killed xdeadx in the riots. Troops fought each other everywhere. Food was bought up xawayx at once. There were no more food supplies in any shops. The economy was all crushed down. All the…See More
Jan 1, 2020
Namwaka Mooto posted blog posts
Jan 13, 2016
T D updated their profile
Sep 3, 2015
Brook Warner posted blog posts
Aug 25, 2015
Santiago Vega posted blog posts
May 5, 2015
Santiago Vega commented on Santiago Vega's blog post Act 8
May 5, 2015
Santiago Vega posted photos
May 5, 2015
Rico Angel Rodriguez posted blog posts
May 2, 2015
Rico Angel Rodriguez posted a photo

public servants

The exchange works directly for state and public workers and servants. It gives them credit in exchange for the amount of public work they contribute to the community. The more constructive they are based off a base rate the more credit they recieve.
May 2, 2015

Follow EVOKE on Twitter




Official EVOKE Facebook Page




EVOKE RSS Activity Feed










© 2024   Created by Alchemy.   Powered by

Badges  |  Report an Issue  |  Terms of Service