INVESTING WHERE IT COUNTS:
BUILDING SOCIAL, HEALTH AND
ECONOMIC ASSETS FOR VULNERABLE
ADOLESCENT GIRLS.
Mercy Nzioki
NOPE ...
OUTLINE
• Background
• Why the study
• Study Aim
• Project Description
• Methodology
• Data collection
• Results
• Way For...
Background
• In Sub-Saharan Africa, health behaviors are often
influenced by economic needs and capabilities.
• Economic s...
Asset Building Framework
Social + Health + Economic Assets
-girls need all three
Assets are a store of value
ASSETS  REDU...
STUDY AIM
• The project seeks to understand social,
economic, and health effects of participating
in safe spaces, financia...
PROJECT DESCRIPTION
1. Safe Spaces Model to build girls
social, human and economic
Groups of 20-25 girls, ages 10-19
(two ...
Financial Education Curriculum
Financial Education Curriculum
RH curriculum
METHODS
• At baseline:1,473 girls were interviewed in Kenya and
1,564 girls in Uganda.
– 82% of Kenyan girls (n=1,210) and...
RESULTS :Savings Activity
Total Girls Reached Across the Life of the Program: 11,914
K-Rep Bank
(Nov 2012)
Faulu
(Oct 2012...
Common sources of cash
Kenya Uganda
Mother 78% 80%
Father 55% 54%
Other Relatives 38% 36%
Own Savings 18% 20%
Casual Job 8...
Increase in Girls Using own Savings
as Source of Cash
KenyaUganda
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
FINCA* Compari...
Savings Alone is Potentially Risky
• Girls with accounts only
(and no group) were more
likely to be robbed and
harassed by...
Economic+Social+Health Assets
=Reduced Risks
• Able to refuse sexual advances linked to financial gifts
• Less dependent o...
Able to refuse sexual advances
• What attracted me is that saving is very helpful
because it minimizes chances of boys tak...
Less dependent on men
• Personally I joined because at times I can be having
a problem and my mother might not be having
m...
Emergency fund
• My mum was sick and my dad did not have money
so we went and withdrew my money and cleared my
mum’s hospi...
Program Expansion
• 2 year project Expansion in Kenya to four new cites
(Nakuru, Kisumu,Thika and Kariobangi)
• Study to u...
Recommendations
• Girls can save, but they need a financial product
with flexible Know your Customer Policy (KYC)
requirem...
The Population Council conducts research
and delivers solutions that improve lives
around the world. Big ideas supported b...
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Investing Where it Counts:Building social, health and economic assets for vulnerable adolescent girls

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Investing Where it Counts:Building social, health and economic assets for vulnerable adolescent girls

  1. 1. INVESTING WHERE IT COUNTS: BUILDING SOCIAL, HEALTH AND ECONOMIC ASSETS FOR VULNERABLE ADOLESCENT GIRLS. Mercy Nzioki NOPE 6TH INTERNATIONAL CONFERENCE ON PEER EDUCATION, SEXUALITY, HIV & AIDS 2014
  2. 2. OUTLINE • Background • Why the study • Study Aim • Project Description • Methodology • Data collection • Results • Way Forward
  3. 3. Background • In Sub-Saharan Africa, health behaviors are often influenced by economic needs and capabilities. • Economic strengthening programs have had positive health outcomes. • Social, human and economic assets are important for girls as they make the transition to adulthood.
  4. 4. Asset Building Framework Social + Health + Economic Assets -girls need all three Assets are a store of value ASSETS  REDUCE VULNERABILITY ASSETS  EXPAND OPPORTUN
  5. 5. STUDY AIM • The project seeks to understand social, economic, and health effects of participating in safe spaces, financial education and savings program on girls.
  6. 6. PROJECT DESCRIPTION 1. Safe Spaces Model to build girls social, human and economic Groups of 20-25 girls, ages 10-19 (two segments of groups(10- 19) 2. Girls within groups open individual savings accounts 3. Mentors above age of 18 in each group facilitate group meetings deliver financial education and health training, parents meetings & fun days 4. Benefits: ID, homebank, t-shirt, friends
  7. 7. Financial Education Curriculum
  8. 8. Financial Education Curriculum
  9. 9. RH curriculum
  10. 10. METHODS • At baseline:1,473 girls were interviewed in Kenya and 1,564 girls in Uganda. – 82% of Kenyan girls (n=1,210) and 74% of Ugandan girls (n=1,159) were re-interviewed at endline. • FGDs and in-depth interviews were conducted with program participant’s parents, mentors, and project – 185 girls (10 -14yrs) and 154 girls (15- 19yrs) participated in FGDs regarding their feelings about the program, savings accounts, and practical applications of information learned.
  11. 11. RESULTS :Savings Activity Total Girls Reached Across the Life of the Program: 11,914 K-Rep Bank (Nov 2012) Faulu (Oct 2012) FINCA – Uganda (Nov 2012) Finance Trust (Nov 2012) Total # of Accounts 1201 1384 2121 5,158 Total Value of Portfolio 1,132,561 Ksh ($13,483) 550,107 Ksh ($6,549) 43,790,287 Ush ($17,516) 146,196,513 Ush ($58,479) Average Deposit Size 36 Ksh ($0.43) 60 Ksh ($0.71) 9,074 Ush ($3.63) 10,813 Ush ($4.33) Average # of Deposits per Month 2.2 1.7 2.1 2.1 Average Withdrawal Size 1356 Ksh ($16.14) 399 Ksh ($4.75) 49,862 Ush ($19.95) 50,672 Ush ($20.27) Average # of Withdrawals in past six months 0.7 1.3 1.5 2.1
  12. 12. Common sources of cash Kenya Uganda Mother 78% 80% Father 55% 54% Other Relatives 38% 36% Own Savings 18% 20% Casual Job 8% 9% Steady Job 3% 3%
  13. 13. Increase in Girls Using own Savings as Source of Cash KenyaUganda 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% FINCA* Comparison Baseline Endline Follow-up 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% Faulu* Comparison Baseline Endline Follow-up
  14. 14. Savings Alone is Potentially Risky • Girls with accounts only (and no group) were more likely to be robbed and harassed by men and boys • Girls need a combination of financial and non- financial services
  15. 15. Economic+Social+Health Assets =Reduced Risks • Able to refuse sexual advances linked to financial gifts • Less dependent on men financially • Having an emergency fund to meet needs
  16. 16. Able to refuse sexual advances • What attracted me is that saving is very helpful because it minimizes chances of boys taking advantage of us in the disguise of giving us money thus protect us from acquiring HIV especially from those who come with such intentions. Ugandan girl, age 10-14, Katwe. • Sometimes a boy can tell you, “let me hold your hand then I will give you 50 bob”…you then tell them, “I have more than that 50 bob you want to give me”. Kenyan girl, age 10-14, Kawangware.
  17. 17. Less dependent on men • Personally I joined because at times I can be having a problem and my mother might not be having money at the time then I can be able to help myself out instead of seeking help from a boy who will later you ask for his money you don’t have it at the end of it all he might resort to raping you instead. Ugandan girl, age 10-14, Katwe. • Now they fear me, in most cases what takes us more to these boys is money, now when they see that I have my own money they will not come to me telling me that I will give you 1000 because I will tell them that I have it, don’t even bother. Ugandan girl,
  18. 18. Emergency fund • My mum was sick and my dad did not have money so we went and withdrew my money and cleared my mum’s hospital bill. It feels good. Kenyan girl, age 10-14, Kibera. • I can now be able to buy things like sanitary towels on my own without asking for money. Kenyan girl, age 15-19, Kibera. • I can use my saving to pay school fees if mum doesn’t have enough. Kenyan girl, age 10-14, Kibera.
  19. 19. Program Expansion • 2 year project Expansion in Kenya to four new cites (Nakuru, Kisumu,Thika and Kariobangi) • Study to understand effects of economic assets on sexual behavior and exploitation .We anticipate 6,000 – 8,000 new girls to join the program between these five sites. • Adolescent Girls Initiative – Kenya (AGI-K) Randomized control trial in Nairobi Slums and Wajir to examine the best combination of interventions in education, health, wealth creation and violence prevention
  20. 20. Recommendations • Girls can save, but they need a financial product with flexible Know your Customer Policy (KYC) requirements. • Combine both financial and non-financial services to build social, health and economic assets. • Safe spaces model - using mentors who are young women from the same community (instead of peer educators).
  21. 21. The Population Council conducts research and delivers solutions that improve lives around the world. Big ideas supported by evidence: It’s our model for global change. Ideas. Evidence. Impact.
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