Information and news about woman issues

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Bolt Launches Women-Only Ride Service

Women-Only Ride Service
In South Africa, many stories have emerged from women experiencing sexual assault while being in a taxi. Reports determined that there were more than 53,000 sexual assaults in March 2020, though the number might be far higher according to women’s rights groups. Luckily, Bolt has launched a women-only ride service to provide women safe transit in South Africa.

Women-Only Ride Service

With technology constantly progressing, safer transportation for women has become very vital. As recently as January 2021, Bolt has launched a women-only ride service. This service allows women passengers to request female drivers only; this also prohibits male drivers from viewing this request. This is possible through the registration process for drivers with Bolt; verifying if they are female or male, and their identity, makes it possible that only female drivers can access the Bolt Women Only category.

In November 2020, Bolt’s women-only ride service entered a pilot phase in East London and Rustenburg. Made possible through Bolt’s partnership with national safety platform Namola, an app-integrated SOS emergency button protects drivers and passengers. The functions this button offers enables the passengers and drivers to private armed response teams, private emergency medical services and roadside assistance if they are involved in any medical or security emergency while on a Bolt ride.

Bolt App

Bolt is a transportation app that women can use to request affordable and fast conveyance. Reviews for the app are mostly positive, and the new service is now available in various locations, such as Johannesburg, Cape Town, Durban, Pietermaritzburg, Port Elizabeth, Mthatha, Polokwane, Thohoyandou, Mbombela and Emalahleni.

Throughout the COVID-19 pandemic, Bolt had taken into consideration the dwindling economic activity and rising poverty. To benefit those with low income, bolt introduced a new low-cost category called “Bolt Go” for its South African customers. The new affordable service trialed successfully in the Eastern Cape cities of East London and Port Elizabeth. In South Africa, the 35 cities and towns where Bolt is active started utilizing the service.

Increased Safety for Women

The woman-only ride service was a long time coming, but highly necessary. Just like anywhere else, women are in danger of being targets for assault or harassment, including in transit environments. This new service emerged out of a series of complaints and petitions from users who have experienced sexual harassment from male drivers. Both women and e-hailing drivers have the right to feel safe and protected while driving around and working. In sub-Saharan Africa, unsuitable transportation—”transport poverty”—inordinately impacts women and young girls due to abuse and sexual assault.

Less than 5% of female drivers using Bolt are women. In fact, around 64% of women have mentioned “security” as the reason that they are not lining up to be e-hailing drivers. The woman-only ride service will exclusively be available during 6 a.m. and 7 p.m., though the small number of female drivers might impact the waiting time for potential passengers. Even though the lack of female drivers might bring a setback, the woman-only ride service is much more beneficial if it comes out sooner rather than later.

– Thomas Williams
Photo: Wikimedia Commons

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Income Alternatives For Female Farmers In Ghana

Female Farmers In Ghana
Ghana has endured volatile floods and droughts over the last decade. Detrimental weather is especially harmful to countries like Ghana as many of its citizens depend on farming to make a living. Only 10% of the northern half of the country is able to sustain itself without agriculture. Estimates have determined that up to $200 million has disappeared annually from the country’s earning potential. This is due to frequent floods and droughts in the last few years. These unstable swings in weather greatly compromise farmers’ ability to grow crops. This instability often hits female farmers in Ghana the hardest. It is often difficult for them to find other avenues of income during periods of erratic weather.

As a result, an international relief fund called the Adaptation Fund has channeled a portion of its money to teach female farmers in Ghana how to turn crops into finished goods. Finished goods allow the women to have an array of products to sell when floods and droughts occur.

Milling Machines

The milling machine is perhaps the most useful piece of machinery that the Adaptation Fund introduced. Milling machines make popular products like flour, cereal and granulated sugar. In Ghana, many women use milling machines to make shea butter, soy milk and kebabs.

When weather conditions prohibit the harvesting of crops, women can work at milling machines to minimize wasted time and maximize income. Milling machines make it possible for women to earn higher margins on their products. A bottle of shea butter will sell for more than raw shea since it is a finished good. All of the labor and cost of the machinery factor into the final price.  Thus, women actually have the potential to earn a little more when selling finished goods.

The Progress

More than 7,000 women have gained access to milling facilities with the Adaptation Fund’s contribution. Women are able to earn more money and diversify their diets. A lot of the women choose to bring some of the products home so that their families can experience a wider range of food than was available to them before the milling facilities. Moreover, white rice and corn are popular milled goods in Ghana.

The Adaptation Fund has also introduced farmers to other special skills and techniques for when the weather is not ideal. For example, volunteers offer courses on how to process honey and farm fish. By opening up new opportunities, women become more confident that they will be able to provide for their families.

The Importance of These Projects

As weather patterns continue to change, projects like the Adaptation Fund are crucial in ensuring a smooth transition into a new world. Traditional methods of making a living, such as farming, are no longer sufficient for people to earn an adequate wage. As the name suggests, it is critical to teach workers across the globe how to adapt to a constantly changing planet.

The Adaptation Fund has pledged almost $800 million to projects just like this since 2010. Fortunately, more than 100 projects are currently aiding people. Overcoming the challenges ahead will not be easy, but like female farmers in Ghana, every human is capable of adopting and implementing new solutions.

– Jake Hill
Photo: Flickr

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Poverty and Gender-Based Violence

Poverty and Gender-Based Violence
The Inter-Agency Standing Committee defines gender-based violence as any harmful act that a person perpetrates against another’s will and that occurs due to socially ascribed differences between females and males. This includes acts that inflict physical, sexual or mental harm or suffering, threats of such acts, coercion and other deprivations of liberty inflicted both in private and publicly. More than 700 million underage marriages occurred in 2020. Furthermore, approximately 137 women die at the hands of a partner or member of their family each day. Moreover, poverty and gender-based violence intertwine.

Poverty and Gender-Based Violence

Poverty exacerbates gender-based violence in many ways. This violence interrupts opportunities for education and employment. In addition, women and girls are more prone to experiencing poverty and exploitation. Children who are a product of child marriages are less likely to receive an education. Also, these children have a higher chance of living in extreme poverty. Moreover, women and girls living in poverty are more vulnerable to trafficking and sexual exploitation.

According to the World Health Organization (WHO), cultural and social norms are highly influential in shaping individual behavior, including the use of violence. Norms can protect against violence, but they can also support and encourage the use of it. Research that the World Bank Group and Sexual Violence Research Initiative conducted suggests that interventions targeting gender norms are some of the most effective in addressing gender-based violence.

Social and Gender Norms

Many social norms exist that perpetuate gender-based violence. These norms often vary by region, religion and other factors. Thus, the norms are very difficult to influence.

Families emphasize the sexual purity of women. As a result, female genital mutilation is prevalent. The value of family honor is above the safety of women. This can lead to honor killings. Domestic violence can stem from the disproportionate authority of men in disciplining women and children.

Gender-Based Violence Scale

A collaborative team from Johns Hopkins School of Nursing, UNICEF and other organizations developed a scale for analyzing changes in beliefs and social norms. Researchers wanted to provide a way to measure the impacts of primary prevention programs in humanitarian settings. About 30 items exist across three categories. Researchers administer this scale to communities to help them understand attitudes towards acts of sexual violence, the importance of family honor and the authority men employ.

Addressing Child Marriage

A collaborative team from Queen’s University and the ABAAD Resource Center for Gender Equality found benefits in enforcing interventions focused on precipitators to child marriage, such as poverty and a lack of legal protections. The researchers proposed the tailoring of interventions to the varying attitudes and beliefs within a community. This team learned that men attributed an increase in rates of child marriage to poverty. However, women attributed it to an increase in a lack of security through laws and social services. This research contradicts a one-size-fits-all program design that suggests adaptive interventions to be the most impactful.

Gender-Based Violence Interventions in Peru

Community engagement and gender-based violence interventions are an invaluable aspect of humanitarian development. Peruvian community health workers employed participatory methods to gather community insights and found seven key aspects of engagement: community leaders’ support, conversations with community members, bystander intervention data for gender-based violence, shared ownership among health workers and leaders, connections with broader stakeholders such as government officials, understanding of what encourages and causes gender-based violence and support from trusted and influential people outside the community.

Protection, Dignity and Security of Women Against Violence Bill in Iran

The Iranian government passed the Protection, Dignity and Security of Women Against Violence bill to provide support for survivors of gender-based violence. This bill includes provisions for educational programs on vulnerability detection, expanding mental health support for victims of gender-based violence, an evidence-based plan for advancing gender equity and offers an important acknowledgment of this step on behalf of Iranian women.

Poverty undeniably intertwines with gender-based violence. Its connection can be complex and difficult to influence, but research and programs such as these demonstrate successful approaches and the invaluable nature of their effects.

– Amy Perkins
Photo: Flickr

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Examining The Impact of Pura Utz

The Impact of Pura Utz
Anna Andrés has always admired jewelry. When she traveled to Guatemala at the age of 10, she learned how she could create jewelry and volunteer to create change. In 2019, she and her partner Bernabela built the brand Pura Utz, which has been helping women sustain themselves in tough economic times. The impact of Pura Utz makes women not only look but also feel beautiful.

Pura Utz

The name Pura Utz means “pure good” in the Mayan language. Since the culture of Guatemala reflects strong Mayan and Spanish influences, these details go into every handmade piece Pura Utz sells. Recently, Pura Utz has collaborated with the bag manufacturer M2Malletier. As a result, the team of artisans, designers and distributors expanded to 100 women.

The details in the Pura Utz products demonstrate the talent of the artisans. The collection features glass beads in bags, handwoven sweaters, earrings and necklaces that artisans delicately shape into an assortment of fruits like strawberries, grapes and lemons. This collection also includes ornamental features, such as handmade flowers like poppies, white nun orchids and blue cornflowers.

Empowering Women at Pura Utz

Even though dramatic changes in the Guatemalan economy are stabilizing, the gap between the wealthier and impoverished citizens is not. The yearly minimum wage in Guatemala is $2,734. However, the impact of Pura Utz is significant because women’s pay with the company is four times more than what they would make working for a corporate manufacturer. The Pura Utz website even provides consumers a breakdown of where the money goes when they purchase an item: one-third of the price goes toward the salary for the working women, one-third goes toward indirect costs like shipping and packaging materials and one-third covers the margins.

Working to empower women has always been a goal for Andrés. In an open letter to supporters, she wrote that “Many of the women in our group and here in the village do have an education, but there are no jobs for them and if there is, they are being paid very poorly.” The essential goods that families need are medicine, food, clothes, electricity and housing. Guatemala is the fifth poorest country in Latin America, making some of these essentials hard to come by. Working at Pura Utz gives these women a way to sustain their lives, through flexible working hours and an empowering community environment.

The impact of Pura Utz has been expanding since helping Bernabela and her daughter Elisa—the first people the brand empowered. Bernabela was the first official team member of Pura Utz. Her current role is as the supervisor of production. She thoroughly enjoys her work and thoroughly enjoys being a part of a company that creates change for women. Bernabela’s daughter Elisa now also works at Pura Utz as an assistant while attending college.

The Future for Women in Guatemala

Poverty brings unimaginable hardships, which makes creating change in the community so important to Andrés. Andrés labeled her brand as an empowerment project because she wanted the economic prospects for women in Guatemala to have no limits.

– Nancy Taguiam
Photo: Flickr

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The Woman Delivering Food Security to Kenya

 

Delivering Food Security to Kenya
Maureen Muketha is working to deliver gender equality and food security to Kenya. The 26-year-old nutritionist and native Kenyan is a woman delivering food security to Kenya through Tule Vyema. It is a nonprofit that emphasizes education, sustainable farming techniques and female empowerment.

About Tule Vyema

Tule Vyema means “let’s eat right” in Swahili. Ms. Muketha founded the nonprofit in 2018, after graduating from Jomo Kenyatta University of Agriculture in Kenya. Instead of looking for opportunities outside beyond the borders, she focused her attention on her own community, a pastoral region outside of Nairobi called Kajiado. Here, malnutrition is a major issue.

WHO reported that chronic diseases such as diabetes, obesity and hypertension are becoming more prevalent worldwide, especially in sub-Saharan Africa. In Kenya, 55% of total deaths have links to these non-communicable diseases, which are often a result of malnutrition.

While it is no secret that eating vegetables is fundamental to sound nutrition, vegetables are simply a luxury that many people in the Kajiado cannot afford. The average household in the region lives on $1.50 per day, while one bunch of vegetables costs about 50 cents or one-third of its daily income. Impoverished households must then rely on cheap, highly processed food rich in sugar, salt and fat.

Industrialization is exacerbating this issue, from the emerging prevalence of cheap fast food options to motorcycles and scooters, which are taking the place of walking. As a result, people are consuming more empty calories and exercising less. Through Tule Vyema, Maureen is addressing this issue with education, first and foremost.

Education

Tule Vyema offers free education on the fundamentals of nutrition in order to address food security in Kenya. The organization teaches women how to prepare produce so they can retain their nutrients, and conversely, which preparation methods to avoid. For example, boiling vegetables leaves many of the nutrients behind in the water.

The program also emphasizes the value of indigenous vegetables such as African nightshade, amaranth, cowpeas and spider plant. Tule Vyema also teaches sack farming, which is an efficient method of growing crops.

Sack Farming

Sack farming turns a simple sack into a vertical garden. Farmers fill the bags with a combination of manure, soil and pebbles, and then, the crops grow out of the top and the sides. This technique requires less water than other growing methods, which makes it more viable in an arid climate and helpful in the mission of delivering food security to Kenya. This method also requires less land, which allows farmers without large plots the option of growing food in their own backyard. Additionally, sack farming results in better pest control, leading to fewer lost crops. Finally, it enables farmers to grow indigenous crops without using harmful pesticides, thus maximizing crops’ nutritional value. Not only has sack farming increased food security in Kenya, but the women who have adopted the technique are also enjoying the newfound economic freedom it provides.

Empowering Women

Most women in Kajiado households are homemakers. However, often their main source of income is household chores for neighboring houses. This type of work is frequently unreliable and low-paying. With sack gardens, women can sell surplus vegetables within their community.

The women of Kajiado are taking on leadership roles within the organization, handling logistics such as scheduling classes and bringing education straight to the doorstep of those who do not have the time to seek it out on their own. The administrative people who live within the communities give Tule Vyema real staying power.

Looking to the Future

In just two years, Tule Vyema has helped over 800 households achieve food security. With its early success in delivering food security to Kenya, Maureen Muketha wants the program to expand beyond its borders.

“God willing it expands to various other countries because this is a problem not only in my county but it cuts across the country and even globally,” said Maureen.

– Greg Fortier
Photo: Flickr

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A Women-Led Association to Improve Lives in Mexico

Improve Lives in MexicoBefore the COVID-19 pandemic, moderate poverty in Mexico had declined from 25.7% in 2016 to 23% in 2018, although 29 million people continued living in impoverished conditions. Prior to 2018, Mexico’s multidimensional poverty rate, which includes income poverty as well as factors such as access to food and education, had dropped to about 42% of the population, thereby improving lives in Mexico. However, according to CONEVAL, a public agency that measures poverty, the effects of COVID-19 could mean that 56% of the country, or 70 million Mexicans, may not earn enough to cover their basic needs. This number represents an increase of around 50% more poverty in the past 24 months. Mexican women-led associations and businesses are leading the way to reduce poverty and improve lives in Mexico.

COVID-19 and Poverty

The effects of COVID-19 could eliminate decades of poverty reduction. Global GDP fell 5.2% in 2020, but, Latin America’s drop in real GDP was expected to be closer to 7%, according to the World Bank. The IMF calculates an economic recession of 6.6% in Mexico. By June 2002, more than a million jobs were already lost due to the pandemic.

As a result, Latin America’s second-largest economy, Mexico, could be among the countries in the region that are affected worst. Up to 17 million Mexicans may soon be living in extreme poverty — an increase from 11 million in 2019.

Women Entrepreneurs in Querétaro

In the state of Querétaro, Mexico, a women-led and women-founded association is helping to lift women and their families out of poverty. Established in 2010, Mujeres y Ambiente SPR de RL de CV has combined forces with an environmentally-minded Spanish company, along with the Mexican government and Autonomous University of Querétaro, to develop cosmetics based on local medicinal plants. Mujeres y Ambiente helps women entrepreneurs in Querétaro to expand their own agricultural micro-businesses, thereby helping them to become economically self-sufficient.

Eulalia Moreno Sánchez, along with her two daughters, Ángeles and Rosa Balderas, formed a Women and Environment group in the La Carbonera community. Through consolidating micro-businesses such as selling earthworm humus, mushrooms, medicinal plants, vegetables and aromatic plants, the women utilize the cultivated raw materials which they use in their products, to help the community produce a sustainable income.

International Support for Mexican Women

The Nagoya Protocol came into force in Mexico in 2014. This international agreement supports the equitable sharing of benefits from the use of genetic resources that come from traditional knowledge. Under the agreement, the women of rural Querétaro signed the first-of-its-kind permit between Mexico and Spain, which provides access to the genetic resources of traditional medicine plants cultivated in Mexico. The agreement fairly compensates local producers for their knowledge and their work, thus improving lives in Mexico. The community gets to preserve its ecosystem’s genetic resources and the women’s traditional knowledge based on medicinal plants. Members of the association are offered jobs as well as research and business opportunities.

In 2016, Sanchez and her daughters began to export lemon balm, or Toronjil, for the Spanish cosmetics company Provital. Since then, they have signed additional agreements to produce other medicinal plants for the company. With support from the UNDP (Global Environment Facility), the project establishes the legal framework for ensuring the right to protect biodiversity.

Preserving Biodiversity and Creating Jobs

In addition to alleviating poverty, the association’s goals include stabilizing the soil, cultivating a nursery and conserving biodiversity. Cosmetic products are developed from the women’s traditional knowledge about local herbs and medicinal plants. The entrepreneurs are part of the cosmetics industry’s sustainable supply chain and they serve as an example of successful conservation through the sustainable use of biodiverse resources. These activities have allowed the women to derive an income, create more jobs and open up markets, offering a way to reduce poverty and improve lives in Mexico.

– Sarah Betuel
Photo: Flickr

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The Water Crisis in Uganda: Realities and Solutions

Water Crisis in Uganda
Water is a necessity for all living beings, and access to safe water is a basic human right. Despite the world experiencing exponential growth in all areas with advances in science and technology, 40% of people experience water scarcity. The country of Uganda is no exception; 8 million Ugandans lack access to safe water. This lack of clean water affects the health of the Ugandan people, their productivity and their economy. Here is what to know about the water crisis in Uganda.

The Current State

One in nine people worldwide has no safe alternative to contaminated water sources. The stress of economic growth over the last two decades in Uganda has put an enormous strain on the land and its resources. Approximately 19% of Ugandans only have access to streams, ponds and unprotected hand-dug wells as sources of drinking water.

Human waste, soil sediments, fertilizers and mud all run into drinking water sources due to the widespread absence of proper toilets and showers. Additionally, the lack of adequate filtration systems and the loss of vegetation, which acts as a natural filtration system, lead to various health problems. According to BioMed Central, 22% of deaths of Ugandan children under the age of 5 are a result of diarrhea.

The water crisis in Uganda also results in 32% of Ugandans having to travel more than 30 minutes to access safe drinking water. The excess time that people spend on water provision hinders their ability to work, maintain the household and take care of children.

Initiatives for a Better Future

Many initiatives are underway to address the water crisis in Uganda and the problems it has created. For example, in 2013, Water.org launched its WaterCredit solution, which has led to increased water and sanitation loans. This initiative has reached more than 276,000 people and the organization and its partners have disbursed approximately $13 million in loans, helping to create long-term solutions to the water crisis in Uganda.

Another program addressing the water crisis is the Uganda Women’s Water Initiative, which transforms contaminated water into clean and drinkable water for school children. More than 300 women in Gomba, Uganda, received training to build rainwater harvesting tanks and Biosand filters. The simple filter consists of layers of rock, sand and gravel that remove 99% of bacteria from water. Funded by Aveda and GreenGrants, this initiative conducts programs about hygiene and sanitation that support these women. Thanks to this program, school children are safer from typhoid and diarrhea which would keep them sick and out of school. Remarkably, Gomba saw a reduction of school absences by approximately two-thirds thanks to filters and harvesting tanks.

An additional project tackling the water crisis in Uganda is the result of a partnership between Generosity.org and the International Lifeline Fund (ILF). The project has three initiatives that include clean water projects, education on sanitation and hygiene practices and strengthening local health services in Northern Uganda. The goal is to improve conditions for approximately 10,000 people.

Looking Forward

Better water and sanitation systems are critical for a healthy society and a stronger economy. In many countries, organizations such as UNICEF have made efforts to combat water issues. This is especially true in the fellow country of Liberia, where the organization strived to developed water, sanitation, and hygiene systems (WASH), with 65% of such machinations functionally today. The Ugandan government now aims to have clean water and improved sanitation for everyone by 2030. Uganda plans to reach this goal by investing in quality water infrastructures, which involves restoring and maintaining clean water sources as well as promoting hygiene and investing in sanitation facilities. Organizations like Water.org and ILF are helping realize this ambitious goal.

– Tara Hudson
Photo: Flickr

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Mental Health Emergency Care Services for Women

Mental Health Emergency Care Services
Mental health emergency care services are a necessity for women across the globe. One in three women experiences a physical or sexual violation in their lifetime. The mental health implications of sexual and physical abuse against women are staggering. According to the World Health Organization (WHO) and the U.N., “Women who experience physical or sexual abuse are twice as likely to have an abortion.” It claims “the experience nearly doubles their likelihood of falling into depression,” as well as “[makes] them more likely to acquire HIV” and “have alcohol disorders.” Sustainable Development Goal (SDG) 5 is to “achieve gender equality and empower all women and girls.” Through this Sustainable Development Goal, the United Nations seeks to end gender-based violence.

In the meantime, many women suffer under the impact of the violence they have already endured. However, there are mental health agencies, emergency care centers and programs that help women after they suffer physical trauma. Here is some information about mental health emergency care services for women.

Samburu Girls Foundation

Doctor Josephine started the Samburu Girls Foundation after rescuing her cousin from a forced marriage and subsequently saving 20 other children. Samburu now rescues at-risk girls in four different counties in Kenya: Samburu, Marsabit, Isiolo and Laikipia. Samburu Girls Foundation helps girls escape child marriage, beading and female genital mutilation (FGM). Pro-bono counselors work to provide safe living conditions and psychological help to young girls who have suffered from sexual and physical abuse. The foundation also seeks to equip the children with a valid education. This occurs through the Schools End FGM program. This program educates communities on the harm that practices such as female genital mutilation induce. Over 1,183 girls have received help from this organization.

Forgotten Women Sexual Trauma Clinic

The organization, Forgotten Women, has a sexual trauma clinic that serves over 105,000 women per year. Its clinic primarily reaches Rohingya women who experienced sexual assault. Many of these women suffer from internal tearing and infections, thousands of whom have become pregnant. Since 2017, over 900,000 people have escaped from Myanmar to Bangladesh refugee camps. Unfortunately, a change in environment has not resolved the trauma that lingers with thousands of the brutalized women. Forgotten Women’s clinic offers several mental health services, such as one-to-one trauma therapy and group counseling sessions. These are necessary services that invest in the healing and well-being of women who have endured sexual, physical abuse and trauma.

The Spotlight Initiative

The Spotlight Initiative is a collaborative effort between the United Nations and European Union. It focuses on eradicating violence against women and girls, specifically in the following areas: Africa, Asia, the Caribbean, the Pacific and Latin America. In Southeast Asia, The Spotlight Initiative provides counseling support via telephone to women in need. According to the initiative, “Since [April 2020], the hotline has received seven times the number of calls it did during the same period in 2019.” The counselors accept calls from women who are suffering from violence. They are responsible for collaborating with local authorities, and referring women to counselors when necessary and supplying legal support.

The pandemic has also worsened violent conditions for women in Mexico. The violence against women and girls (VAWG) caused a spike in phone calls to an additional 53% at the start of 2020. Through the aid of the Spotlight Initiative, alongside the support of the government and private sector, Grupo Posadas hotels now provide seven costless nights to women and children in need of protective services. After their stay, they receive direction to justice centers and other helpful resources.

Collaboration

Working alongside the United Nations on the Sustainable Development Goals is a powerful way to end violence against women and girls. Violence has increased due to the conditions that the pandemic brought on. The services provided by organizations operating under The Spotlight Initiative,  such as Forgotten Woman’s Sexual Trauma Clinic and Samburu Girls Foundation, are vital resources. They provide meaningful, mental health support emergency care services to women and girls that have already experienced violence and need help.

– Hannah Brock
Photo: Flickr

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How Financial Inclusion Can Fight Poverty

Financial inclusion can fight povertyRoughly 1.7 billion adults around the world are unbanked and most unbanked adults live in developing countries. Unbanked people have limited political, economic and social power and influence. For roughly half of the world’s unbanked who come from the most impoverished 40% of households in their economies, inaccessible financial services compound problems of poverty. Financial inclusion can fight poverty as it opens doors for people to improve their lives. The pace of technological advancement around the world is bringing universal access to financial services closer to fruition.

The Global Unbanked

Unbanked people are not connected to any type of financial institution. The most commonly cited reasons for being unbanked are not having enough money, account expenses, the distance of financial services and insufficient documentation. Nearly half of the unbanked population falls into just seven economies. The highest numbers of unbanked people are in China and India. It can be clearly noted that banking and poverty are closely related.

“Financial tools for savings, insurance, payments and credit are a vital need for poor people, especially women, and can help families and whole communities lift themselves out of poverty,” says Melinda Gates. Without a bank account, people cannot sufficiently save and the cash is not well protected. The digital economy also has the benefit of keeping a clear record of financial activities, which banks can use when underwriting loans. Loans are among the financial tools that are essential to financial growth and stability.

The Gender Gap

Women make up the majority of the unbanked population in most developing countries. Women may face deepened or additional gender-based barriers to account ownership, rooted in financial institutions, governments or society.

Financial institutions often lack products and policies that are gender-inclusive. For instance, women may find it difficult to obtain the identification or the assets needed to open and maintain an account, sometimes due to government-enforced barriers. Additionally, banking-related expenses are also a burden for women looking to enter the formal economy. Finally, the responsibility of unpaid household labor, along with barriers to education, keep many women from earning enough money to access financial services.

The Societal Roles of Women

Women may earn sufficient money but could be part of society that does not allow for them to connect to a financial institution.

For instance, the tradition of men being the head of household and in control of the finances leaves some women with little to no influence in matters of money. Approximately one in 10 women in developing countries are not involved in spending decisions involving their own earnings.

Women’s Empowerment for Poverty Reduction

Women must be part of financial inclusion efforts as they are integral to fighting poverty. Bill Gates explains that women are most likely to be behind the decisions that benefit the family. More women-led businesses and reduced inequalities are ways that an emphasis on financial inclusion for women can further a nation’s development.

Financial Inclusion Using Fintech

An emerging industry is making strides in financial inclusion. Financial technology (fintech) can be described as technological innovations in the processes and products of financial services. Fintech offers solutions to many of the problems at the root of financial exclusion. A fundamental problem is the lack of time or money to travel to distant financial institutions. Fintech has given users the convenience of accessing their accounts and financial services on a mobile device.

Fintech development has been gaining momentum since the COVID-19 pandemic began. Touchless transactions and banking reduce the risk of transmitting COVID-19 and have led many to embrace digital payment, in business and in personal practice. Fintech leaders are proving that underserved communities can be reached through financial technologies. Significantly, this helps foster financial stability for the formerly excluded.

Female-led fintech, Oraan, is working toward financial equality in Pakistan because women make up 48% of the population but only 6.3% of the formal economy. Oraan developed a platform that allows for digital savings groups. Savings groups can help empower women and ensure financial equity as they are well-established financial tools.

The Road to Universal Access

Because financial inclusion can fight poverty, digitized financial services are an effective way to improve access and inclusion. Online banking communities are empowering individuals and opening up opportunities for economic growth. By facilitating conversations about finances, informing underserved groups on the best financial practices and ensuring digital finance infrastructure is accessible, the world can make greater strides toward financial inclusion.

– Payton Unger
Photo: Flickr

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Susan Rice’s Approach to Foreign Aid

Susan Rice's Approach to Foreign Aid
Susan Rice’s approach to foreign aid has formed by her listening to her colleagues’ advice. Her approach is to negotiate and implement policies to help textile workers, small farmers and other people in need.

Susan Rice’s Background

According to her latest 2019 book, “Tough Love: My Story of the Things Worth Fighting For,” Susan Rice grew up in Washington, D.C. Her first job in 1979 at age 14 was as a Democratic page in the U.S. House of Representatives. She graduated high school and took home many awards from the National Cathedral School NCS in D.C. After this, she was a fellow at the Brookings Institute and an undergraduate at Stanford University.

She studied at Oxford in the U.K., where she earned her M.Phil. (masters) degree in international relations. Afterward, she went on to earn her Ph.D. During that time, her thesis “The Commonwealth Initiative in Zimbabwe, 1979–1980: Implications for International Peacekeeping” won the 1991 Chatham House–British International Studies Association Award for the most distinguished doctoral dissertation in international relations in The U.K. She went on to be the youngest black woman to serve in a presidential administration.

Susan Rice’s approach to foreign aid has involved her putting her colleague’s advice into practice. When she first started as assistant secretary of state for African affairs, her colleague Ambassador Prudence’s advice was to pay attention to policy outcomes, not the bureaucracy.

African Growth Opportunity Act and Other Programs

During her years in the Clinton Administration, Susan Rice worked hard toward the African Growth Opportunity Act (AGOA), which passed Congress in 2000. In 2015, Congress updated and extended the program through 2025. The AGOA requires countries to remove obstacles to U.S. trade, implement poverty reduction procedures, fight corruption and bolster human rights.

Poverty is reducing among women through the creation of jobs and through new businesses that women own. The African Women’s Entrepreneurship Program (AWEP), which supports women who own businesses in sub-Saharan Africa, came to be because of the AGOA.

The Department of State also created an International Visitor Leadership Program (IVLP). This program sponsors a small group of African women business owners to come to the U.S. for a three-week intensive networking event to meet with leaders in bipartisan policy, industry and nonprofits. The support these women entrepreneurs receive helps create jobs and influence society. It lifts their communities out of poverty one job at a time.

Work as the US Ambassador to the United Nations

Susan Rice’s approach to foreign aid widened when the Obama Administration made her the U.S. Ambassador to the United Nations. The Trans-Pacific Trade Partnership (TPP), which began with the George W. Bush Administration, continued in the Obama Administration.

It had the intent of lowering or eliminating tariffs on imports and exports of participating countries, thus making it more affordable for them to produce, import and export. The affordability attracts businessmen and women and lifts people out of poverty by creating jobs in both the import and export country. This symbiotic relationship helps lift people out of poverty by the creation of these jobs. In 2014, according to Susan Rice’s speech, one-third of TPP participants were from the Association of Southeast Asian Nations (ASEAN). Indonesia, Malaysia, Philippines, Singapore and Thailand, Brunei Darussalam, Vietnam, Lao PDR, Myanmar and Cambodia all benefit from TPP.

How TTP and AGOA Impact People

Susan Rice’s approach to foreign aid is to negotiate and implement policies like TTP and the AGOA. According to The World Bank, TTP will increase the wages of poor under-skilled textile workers in Vietnam by over 14% by 2030. African countries could also benefit from TTP and especially African women.

According to The World Bank, women make up most of the small farmers in Africa. These women carry goods across borders where they sometimes meet with opposition in documents, regulatory requirements and tariffs.

As Brookings reported, Africa is benefiting from the AGOA. In 2014, African countries exported nearly $1 billion worth of textiles to the U.S. creating jobs for poor under-skilled workers, especially women.

– Kathleen Shepherd-Segura
Photo: Flickr

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