
Cameroon is a country in Central Africa located right below the Sahara Desert. With a population close to 24 million, estimates show that 48 percent of the population lives below the poverty line. The majority of those who live in poverty reside in northern, rural regions. Although Cameroon has experienced growth in GDP since 2018, it is the largest economy in the Central African Economic and Monetary Community (CEMAC), a region that has suffered in Africa due to the fall of oil prices. Cameroon aims to become an emerging country by 2035, which means the real GDP will have to grow by 8 percent. In order to reach this goal, credit access is an advancement that must be focused on. Seeking a solution for credit access in Cameroon is a crucial task for its government.
Unfortunately, in 2017, only 10 percent of Cameroon’s population reported that they have a bank account.
Agriculture and the Economy
It’s clear that financial services and education are not reaching a large portion of Cameroon’s population. Often described as a miniature Africa, Cameroon exhibits all the climates of the continent, with a large chain of mountains separating the arid and green regions. This terrain presents a challenge in acclimating the population to new advancements such as mobile banking and loan access.
Cameroon’s economy is rooted in agriculture, something found mostly in rural regions where access to credit is poor. Because of the country’s rich landscape and natural resources, 70 percent of the population’s labor force is in Cameroon farms. However, 23 percent of farmer households rely on subsistence farming, which means they are working to feed themselves and their family. This is an alternative to both consuming and selling the produce.
While subsistence farming can provide a family with a self-sufficient method towards survival, its success is dependent on a non-hazardous climate and funding. Specifically, this is access to expensive chemical fertilizers. Subsistence farming also doesn’t help improve the economy’s investment sector when many people are farming to live instead of making money to save. Most farmers sell their products at the marketplace, where physical cash is exchanged for goods. Out of the 90 percent who do not own a bank account, the majority reported that they had no money to save or made no regular income.
A Need to Expand Credit Access in Cameroon
There are currently around 840 or so accredited microfinance institutions in Cameroon. The country’s loan performance has worsened due to the number of uninformed loans given to consumers. In 2018, the Risk Prevention Bureau for Microfinance (CREMF) was established as a system that helps these institutions track and disseminate the correct data on all their customers. This makes it somewhat easier for them to recover borrowed money. However, the challenge is still present: the majority of these microfinance institutions are in rural areas with low internet connectivity. This makes it difficult to continue giving out loans to those who need them.
In order to make credit access in Cameroon more financially inclusive, mobile services must be extended to rural areas. Additionally, services should also cover financial education and funding for farmers. In 2008, Express Union introduced mobile money. Mobile money offers a quick method for payments and access to finances.
While there are 6.8 million subscribers, there are only 1.5 million active users of mobile money services. The biggest challenge is implementing a cashless culture in a country that is reliant on a cash-based agricultural market.
Improvement Efforts
In order to establish an equal financial climate, the government of Cameroon and the World Bank Group renewed its strategy. This 2017-2021 project focuses on three main areas:
- poverty traps in rural areas
- access to better transportation
- improving weak governance.
The main objectives of this framework are increased market productivity in the agricultural sectors, improved health and improved access to credit in Cameroon.
Another solution to help foster jobs in Cameroon is the Agriculture Investment and Market Development Project (AIMD). Participants of this project are working to pave a bridge between agriculture and agribusiness. For example, this includes:
- educating farmers on new techniques
- providing them with the means to create quality produce
- connecting them with agro-industrial companies like Guinness through mobile applications.
These advancements have helped to boost the financial sector and improve credit access in Cameroon. As a result, the livelihood of the country’s poor has improved. With consistent improvement, it’s possible that Cameroon’s economy can emerge into one that is economically stable, with more equally-distributed prosperity among regions.
– Isadora Savage
Photo: Pexels
A Look At Credit Access in Cameroon
Cameroon is a country in Central Africa located right below the Sahara Desert. With a population close to 24 million, estimates show that 48 percent of the population lives below the poverty line. The majority of those who live in poverty reside in northern, rural regions. Although Cameroon has experienced growth in GDP since 2018, it is the largest economy in the Central African Economic and Monetary Community (CEMAC), a region that has suffered in Africa due to the fall of oil prices. Cameroon aims to become an emerging country by 2035, which means the real GDP will have to grow by 8 percent. In order to reach this goal, credit access is an advancement that must be focused on. Seeking a solution for credit access in Cameroon is a crucial task for its government.
Unfortunately, in 2017, only 10 percent of Cameroon’s population reported that they have a bank account.
Agriculture and the Economy
It’s clear that financial services and education are not reaching a large portion of Cameroon’s population. Often described as a miniature Africa, Cameroon exhibits all the climates of the continent, with a large chain of mountains separating the arid and green regions. This terrain presents a challenge in acclimating the population to new advancements such as mobile banking and loan access.
Cameroon’s economy is rooted in agriculture, something found mostly in rural regions where access to credit is poor. Because of the country’s rich landscape and natural resources, 70 percent of the population’s labor force is in Cameroon farms. However, 23 percent of farmer households rely on subsistence farming, which means they are working to feed themselves and their family. This is an alternative to both consuming and selling the produce.
While subsistence farming can provide a family with a self-sufficient method towards survival, its success is dependent on a non-hazardous climate and funding. Specifically, this is access to expensive chemical fertilizers. Subsistence farming also doesn’t help improve the economy’s investment sector when many people are farming to live instead of making money to save. Most farmers sell their products at the marketplace, where physical cash is exchanged for goods. Out of the 90 percent who do not own a bank account, the majority reported that they had no money to save or made no regular income.
A Need to Expand Credit Access in Cameroon
There are currently around 840 or so accredited microfinance institutions in Cameroon. The country’s loan performance has worsened due to the number of uninformed loans given to consumers. In 2018, the Risk Prevention Bureau for Microfinance (CREMF) was established as a system that helps these institutions track and disseminate the correct data on all their customers. This makes it somewhat easier for them to recover borrowed money. However, the challenge is still present: the majority of these microfinance institutions are in rural areas with low internet connectivity. This makes it difficult to continue giving out loans to those who need them.
In order to make credit access in Cameroon more financially inclusive, mobile services must be extended to rural areas. Additionally, services should also cover financial education and funding for farmers. In 2008, Express Union introduced mobile money. Mobile money offers a quick method for payments and access to finances.
While there are 6.8 million subscribers, there are only 1.5 million active users of mobile money services. The biggest challenge is implementing a cashless culture in a country that is reliant on a cash-based agricultural market.
Improvement Efforts
In order to establish an equal financial climate, the government of Cameroon and the World Bank Group renewed its strategy. This 2017-2021 project focuses on three main areas:
The main objectives of this framework are increased market productivity in the agricultural sectors, improved health and improved access to credit in Cameroon.
Another solution to help foster jobs in Cameroon is the Agriculture Investment and Market Development Project (AIMD). Participants of this project are working to pave a bridge between agriculture and agribusiness. For example, this includes:
These advancements have helped to boost the financial sector and improve credit access in Cameroon. As a result, the livelihood of the country’s poor has improved. With consistent improvement, it’s possible that Cameroon’s economy can emerge into one that is economically stable, with more equally-distributed prosperity among regions.
– Isadora Savage
Photo: Pexels
7 Facts About Mental Health in Guyana
Guyana, an English-speaking country situated on the northern coast of South America, has one of the highest suicide rates in the world. The country tallies about 29.2 suicides for every 100,000 deaths, a number surpassed only by Lithuania and Russia. This unsavory statistic can be an important indicator of a country’s relationship with mental health. The seven facts about mental health in Guyana show the variety of complex and interconnected factors that contribute to its high suicide rate.
7 Facts About Mental Health in Guyana
As a result of the efforts from non-profits and legislation like the National Suicide Prevention Plan, Guyana’s suicide rate has dropped from 44.2 percent in 2014 to just under 30 today. While it is clear that improvements are being made, the country still has a long way to go in holistically addressing mental health. An overhaul of the outdated legislative framework surrounding mental illness may be the next step towards improving mental health in Guyana.
– Morgan Johnson
Photo: Pixabay
Top 10 Facts about Human Trafficking in South Africa
Top 10 Facts about Human Trafficking in South Africa
– Natalie Malek
Photo: Wikimedia
5 Ways Natural Disasters Affect Impoverished Nations
After a natural disaster, an impoverished nation faces even more struggles as it attempts to recover. While the media is a tool that helps inspire assistance to disaster-stricken nations, countries that experience natural disasters often still need more aid after the disaster is no longer in the spotlight. Developing countries are particularly vulnerable to the effects of natural disasters, and it is important to remember these effects when thinking about what you can do to help a nation in distress. Here are five ways natural disasters affect impoverished nations.
Five Ways Natural Disasters Affect Impoverished Nations
Natural disasters and the ways natural disasters affect impoverished nations continue to be a threat to global health every day. Donating to relief and recovery organizations is a great way to be involved in helping poor communities abroad.
– Katherine Desrosiers
Photo: U.S. Department of Defense
6 Women-led Companies that Help Poor Communities
In addition to reducing poverty, a United Nations study found that businesses with a higher proportion of women executives and directors saw an increase in profits and returns on invested capital. Not only do women in business help reduce global poverty and increase the global market, but many of their companies provide services directed at those in poverty. Here are six women-led companies that give back to the poor.
6 Women-Led Companies that Help Poor Communities
These six women-led companies are helping those in poverty, as well as providing inspiration and empowerment for other women looking to own and run businesses. These companies not only benefit the women who have helped establish them but countless others in need.
– Maya Watanabe
Photo: Flickr
3 Water-Purifying Devices Beneficial For Developing Countries
3 Water-Purifying Devices Beneficial For Developing Countries
Ceramic water filters, also known as clay pot filters, are essentially made from a mixture of clay, sawdust, and colloidal silver. It consists of four parts; a lid, receptacle tank, filter element and the spigot where the water comes out of. Both the clay and sawdust are put together through a mesh and are mixed in with the colloidal silver and water. Then, it is heated up to 1000 degrees Celsius leaving only silver pores to purify the water. The colloidal silver is what fights off the diseases, or bacteria, that passes through the filter element. Each filter can filter two to four liters per hour. It comes in both lightweight and heavyweight sizes for household convenience or water errands. Residents are able to pour water from streams or ponds into the filter as the filter is 100 percent effective in disinfecting any unwelcomed bacteria. A single filter, without needing a replacement, is able to be used up to five years.
Winning the James Dyson Award in the United Kingdom in 2010, the brain behind these water bottle filters is Timothy Whitehead. Through his travels in Zambia, he grew frustrated at the problems residents had with very limited access to clean water. This lightweight water filter is the same size as a regular water bottle and is capable of filtering soiled water in two minutes. Whereas iodine or chlorine tablets take up to one full hour to filter water. Together, both the ultraviolet light system and micron size water filter are capable of cleaning up to 99.9 percent of bacteria found in the water. This efficient invention is not alone in the water-purifying devices that utilize solar power.
Jonathan Liow created the hamster shaped solar ball. Made specifically for developing countries, the hamster shaped solar ball purifies water by sunlight. The ball first heats the water from the sunlight and the process of evaporation occurs which separates the bacteria from the water producing drinkable condensation. This is a reliable source of healthy water because water from condensation is continuously collected and stored. This device can store up to three liters of water if there is access to sunlight.
These three water-purifying devices are unique in their own way but solve the same problem; providing reliable water. As technology continues to improve in today’s world, developing countries will have more resources that will positively affect their livelihoods. With these creative devices, developing countries will have unlimited access to clean water for many years down the line.
– Jessica Curney
Photo: Flickr
Speed Breeding Technology Promises More Food
While the earth’s rapidly changing climate and growing global population have caused concern about the future of the agriculture industry, there now appears to be a reason for optimism. Researchers from the University of Queensland in Australia have recently developed a new speed breeding technology that allows for quicker harvesting of plants. Researchers have been developing the technology for almost a decade and NASA’s past experiments with growing food in space are an inspiration. This technology has massive implications for the agriculture industry; with it, food production should significantly increase, which will be a necessity since the global population might grow to 9.8 billion by 2050.
How it Works
To speed up the harvesting process, special red and blue LED lights are shone on the crops (which are kept in greenhouses) for up to 22 hours a day at temperatures between 62 and 72 degrees Fahrenheit. This near-constant lighting and precise temperature help speed up the photosynthesis process, allowing for crops such as wheat, barley and chickpeas to grow up to three times faster than with traditional practices.
Crops produced with speed breeding technology also show to be of higher quality than those harvested with more conventional methods. In addition to increases in speed and quality, crops bred in this new way can be more resistant to extreme heat and droughts. To do this, speed breeding is combined with the usage of tools like CRISPR, a family of DNA sequences that allows for the removal of unwanted portions of a crop’s DNA. Such unwanted portions are often ones that cause decreased yield for a given crop; for example, CRISPR could remove a gene that causes a crop to prematurely germinate after rainfall.
Implementation and Implications for the Global Poor
Currently, the researchers from Queensland are traveling to locations such as Mali and Zimbabwe, as well as India, to train farmers on how to use these new techniques. The researchers receive funding from organizations like the Bill and Melinda Gates Foundation and The International Crops Research Institute for the Semi-Arid Tropics. This funding is likely to have a massive impact on individuals in developing countries, as speed breeding has enormous potential to help the world’s poor. Part of the reason for this is that people can use this technology anywhere. For example, people can power LEDs using solar power instead of electricity in countries where electricity is lacking. This makes the technology one that people can easily implement throughout the developing world.
Global Impact
Speed breeding will help produce crops at a quicker rate so that more people around the world can receive food. In addition to this, speed breeding technology is a sustainable technique that, if growers implement in conjunction with other practices (such as the usage of tools like CRISPR) could make crops more resistant to heat and disease. All in all, speed breeding technology is, without question, an integral part of the future of the agriculture industry.
– Kiran Matthias
Photo: Flickr
5 Impacts of Cell Phones in the Developing World
Since its invention in 1973, the presence of the cell phone has become practically unavoidable worldwide. As of 2019, there were approximately 4.68 billion mobile phone users globally. Although many worry about the adverse effects of the overuse of the device, one cannot overstate the positive impacts of cell phones, especially in the developing world. From mobile banking to health care, the cell phone has left an incredible footprint on the world despite its relatively short existence. Here are the top five impacts of cell phones in the developing world.
Top 5 Impacts of Cell Phones in the Developing World
Mobile devices are popular in remote areas to cheaply or freely offer daily texts and voicemails about common medical conditions. For example, in Mozambique, Absolute Return for Kids, a British nonprofit, is fighting HIV/AIDS by using mobile messaging to remind enrolled patients to take their medications as well as about appointment dates.
Conclusively, the range of the various impacts of cell phones globally in developing countries has been both deep and wide. The device has proven itself to be both an efficient yet inexpensive solution to many day-to-day problems. It is not too optimistic to say that in the near future even more creative uses for cell phones will surface.
– Linda Yan
Photo: Flickr
Cholera in the Democratic Republic of the Congo
Cholera is a disease that causes diarrhea and severe vomiting which can be fatal if left untreated. Areas that suffer from famine and poor sanitation are particularly susceptible to contracting the disease and the people most likely to become ill with cholera are individuals with low immunity, malnourishment or HIV. Cholera in the Democratic Republic of the Congo is severe and requires immediate attention.
The Democratic Republic of the Congo has become one of the worst victims of this disease. Less than one in seven Congolese citizens have adequate hygienic conditions, and less than half have access to clean water. These are contributors to the susceptibility of the Congolese to cholera.
Cholera in the Democratic Republic of the Congo has proved itself to be a fearsome disease. As of Jan 1, 2019, the Democratic Republic of the Congo declared cholera a nationwide epidemic. In March 2019, the Democratic Republic of Congo reported 1,016 EVD cases. These cases had a fatality rate of 62 percent and resulted in 634 deaths.
Organizations Working with the Democratic Republic of the Congo
To prevent the spreading of cholera, it is essential that the people of the Democratic Republic of the Congo wash their hands, use clean bathroom facilities, eat thoroughly cooked food, have access to clean water and do not come in contact with contaminated corpses. The Democratic Republic of the Congo has partnered with numerous organizations in the hopes of implementing these changes in the country.
The Democratic Republic of the Congo teamed up with UNICEF to ensure that its people have access to clean water. UNICEF has given more than 460,000 Aquatab water-purification tablets to the country, alongside numerous water-treatment facilities along the river.
Medecins Sans Frontieres has also partnered with the Democratic Republic of the Congo to try to help the country combat its cholera crisis. MSF has set up cholera treatment units in the most affected areas of the country to ensure that constant care is available.
The World Health Organization is yet another organization that has been working alongside the Democratic Republic of the Congo to combat this disease. WHO has been trying to give technological support, send medicine and teach the people of the Democratic Republic of the Congo proper hygiene techniques. It has also been attempting to gather data to quantify the disease in the hopes of getting a better understanding of it.
The Democratic Republic of the Congo’s Immunization Plan
The Democratic Republic of the Congo’s latest plan of action has been its immunization plan. Government officials have come together to give more than 800,000 individuals cholera immunizations. WHO and the United Nations have both been involved in aiding the country in carrying out this plan.
The Democratic Republic of Congo’s Ministry of Health will carry out this program, along with further assistance from the World Health Organization and the Vaccine Alliance. Dr. Deo Nshimirimana, the World Health Organization’s Democratic Republic of Congo representative, stated, “Cholera is a preventable disease. Vaccinating people at risk in the most exposed health zones in North Kivu against cholera is a massive contribution and will protect hundreds of thousands of people.”
Cholera in the Democratic Republic of the Congo remains an imminent threat, but the country has shown that it has no intention of remaining idle in this fight. The country’s ambitious plan, which went into effect on May 27, 2019, is in full swing. Only time will tell if the program is successful, but program officials continue to be optimistic.
– Gabriella Gonzalez
Photo: Flickr
5 Organizations That Empower Women
Women’s empowerment in the developing world is a major tool that countries can use to alleviate socioeconomic issues like poverty and corruption. Here are the top five organizations that empower women.
5 Organizations That Empower Women
The Women’s Global Empowerment Fund (WGEF) is an organization committed to creating opportunities and addressing inequality, strengthening communities and families and using political, social and economic programs to support women. WGEF’s programs provide frameworks for women to create opportunities for themselves at the grassroots level. As of January 2017, WGEF’s Credit Plus Program provided more than 10,000 microcredit loans, which help women create and expand sustainable, viable businesses in developing countries. That same year, many of the WGEF’s clients applied for their fourth or fifth loans to further grow their businesses. Since its inception, WGEF’s literacy program reached more than 1,500 women in rural or poor communities, and 416 women were reached in 2016 alone. The literacy program takes place twice a week over the course of six months and costs $80 per person annually. Ten of WGEF’s clients, many of whom benefitted from the literacy program, ran for local and regional offices during national elections in 2016.
Panzi Hospital is located in Bukavu, the Democratic Republic of the Congo. Since its founding in 1999, it has served as a general hospital for local residents. Still, the hospital has become a well-known organization that empowers women because of its efforts to help victims of sexual violence and women suffering from complicated gynecological issues. Panzi Hospital is now comprised of four departments: obstetrics and gynecology, surgery, internal medicine and pediatrics. In 2012, the team at Panzi Hospital implemented a project to provide cervical cancer screenings to patients, the first of its kind in the region. Patients at Panzi Hospital also have access to psychological care, socioeconomic assistance and legal assistance. From 1999 to 2015, Panzi Hospital served 85,864 women. As of the end of 2015, 48,482 of the hospital’s patients were victims of some form of sexual violence. Forty to 60 percent of the women treated at Panzi Hospital cannot return to their home communities because of conflict and the stigma surrounding sexual violence and reproductive injuries. These women are housed at the hospital’s aftercare center, Maison Dorcas.
Her Farm is located in Nepal and supports women in the rural areas at the base of the Himalayas. The organization’s mission is to provide women with the tools they need to be self-sufficient, including access to healthcare, economic opportunities and education. Her Farm is owned and operated by women and for women; the women freely farm the land and make all the decisions regarding Her Farm themselves. Currently, Her Farm provides employment and safe living conditions for 30 women and children, and they educate 12 children daily. As a result of Her Farm’s efforts, 300 people have access to an emergency center. Annually, Her Farm has 150 visitors.
Orchid Project is an organization battling female genital cutting (FGC). FGC refers to a practice that involves removing parts or all of a girl’s external genitalia, or any injuries associated with the practice. Usually, girls go through FGC before the age of five, but it can occur at any time between birth and adolescence. The practice of FGC is largely cultural; there are no religious obligations associated with FGC. Globally, the practice of FGC impacts over 200 million women and girls, with 3.9 million girls at risk annually. Today, FGC occurs in at least 45 countries worldwide. The practice is internationally recognized as a violation of human rights. Orchid Project, like other organizations that empower women, focuses on education and advocacy to eliminate FGC. The organization partners with other nonprofits like Sahiyo and Tostan on the ground in countries where FGC is still practiced to host knowledge-sharing workshops within impacted communities. This approach recognizes that FGC is a cultural phenomenon and allows the members of the community to come together and choose to abandon the practice. From 2015, Orchid Project has held 12 workshops across Nigeria, Tanzania, Kenya, Sierra Leone and Somaliland.
Equality Now is committed to changing laws to promote socioeconomic change for women and girls around the world. The organization’s network of lawyers and activists are currently fighting to end female genital mutilation (FGM), sexual violence, human trafficking, child marriage and gender inequality. In 2017, 11 laws that Equality Now had been fighting for were changed or strengthened. The organization also provided training to 50 lawyers and judges and its supporters sent more than 21,300 advocacy letters.
Without empowering its women, no country can hope to eliminate issues like poverty. These 5 organizations that empower women are committed to ending inequality in the developing world.
– Shania Kennedy
Photo: Flickr