Microfinance can be an effective strategy for alleviating poverty and empowering women. It’s the promotion of small scale entrepreneurship by extending credit to the most impoverished, those who would normally not have access to traditional banking and lending institutions. It uses the idea of group lending, community participation, collective liability and the desire for self-determination. Microcredit has changed the lives of many poor people enabling them to lift themselves out of the dire poverty that exists in much of the global south. Microcredit programs are promoted as a strategy for alleviating poverty and enabling women’s empowerment. WGEF was founded on the belief that while microcredit can be a powerful tool for poverty alleviation, when bundled with social capital building programs, it can be revolutionary.
Women are the major recipients of microcredit loans because they are a better risk – they have a higher repayment rate and are more responsible with the money. Studies have show that women are more interested and therefore more likely to improve the lives of their children which includes nutrition, health and education. Data also suggests that lending to women has a significant increase in food and non-food expenditures per household suggesting that lending to women increases the health and well being of the entire family.
In response, Women’s Global Empowerment Fund has partnered with Volunteer Action Network, creating a funding initiative and social justice project in northern Uganda. Northern Uganda is a post-conflict region, where women and children experienced horrific violence and chronic poverty. The women in our program are former abductees, forced to become child soldiers for the LRA (Lord’s Resistance Army); former sex slaves or ‘wives’ of LRA commanders, have lost many family members, and, for the most part, have been invisible to their government and the global community. The 20 year conflict left the region unstable, lacking in economic activity, and vulnerable to food and human insecurity.
Northern Uganda is in full recovery, with hope for lasting peace and reconciliation are spreading; what is needed now is a comprehensive support package, including access to clean water and sanitation, health services and education. This is where Women’s Global is impacting the community by providing an opportunity for sustainable human development. The women in our program are leading in their villages and communities, feeding their children, and creating viable businesses; the Gulu market is growing and projects are becoming more diverse, with women opening small shops, bakeries, restaurants, hotels; construction projects and small to medium scale agriculture projects creating local food production, addressing food security regionally and nationally.
“I learned how to save money, how to stay with people, share, love, how to handle problems in my home and elsewhere. All this was because of WGEF.” – Client
Women’s Global Credit Plus program combines microcredit services with literacy, leadership development, health initiatives and basic business education into a single service reaching women in poor or rural areas. This integrated approach has been proven to alleviate poverty and empower women.
Through our Credit Plus program participants will receive a microcredit loan bundled with social and educational services, allowing them to create an opportunity for sustainability, increased food security and health and nutrition. Each loan recipient will be required to attend weekly or bi-monthly meetings. These meetings will entail loan repayment, and other loan administration details. In addition, classes will be offered in one or more of the following areas: business skills, literacy, health or leadership development. Understanding that Credit Plus is not only an effective tool in alleviating poverty, but empowering women, increasing the health of the family, and creating an environment of self-determination.
As of January 2017, our Credit Plus program has given 10,000+ microcredit loans, basic business training and opportunities to participate in development programs. We made our first loan in April 2008, have experienced rapid growth. Our reputation in the community indicates that we have a meaningful, solid, fair and transparent program, resulting in new groups applying weekly. Several indicators highlight the success of this program and where we are at this point in time. One, we have had no defaults or missed payments; two, many groups have applied for a fourth and fifth loan to expand and grow their businesses, some women are hiring assistants and employees from their villages; three, we have received very positive feedback and support from community leaders, and our clients successfully ran for elected offices in national elections, 2011, 2016; and four, we have had impressive turnouts for our trainings, the 9th annual Kikopo Pa Mon Gulu, Creating a Voice for Women in Gulu, drama festival in October, 2016 and the opening of Gulu Women’s Resource Center. Lastly, our literacy program has been recognized by the Ministry of Education, local leaders and have enable women the opportunity to learn to read and write. Our multifaceted approach to the complexities of poverty and inequality have resulted in the economic, social and political growth and success of our clients, their families and the community.
Uganda held national political elections in February, 2016; WGEF is proud to have had 10 women competing for political office throughout the region, with 5 successfully winning their contest. Women are leading, challenging the entrenched patriarchal/political landscape, creating a platform for change and policy development that includes the voices of women at every level of the decision making process. This is the type of systemic change that addresses the stubborn issues of poverty, gender inequity, and the marginalization of women and children.
In partnership with Ultraviolet Edge and Kathryn B. McQuade Foundation
To address the issues of stubborn poverty and the challenges women face regarding access to and information on: health, justice & human rights, gender based violence, economic empowerment, education and activism, Women’s Global Empowerment Fund (WGEF) opened the Gulu Women’s Resource Center (GWRC). GWRC is a one-stop center that will provide essential support, information and education to women and girls in northern Uganda.
The GWRC creates a community space providing women current and critical information, community meeting space, and computer and life skill trainings. It is through information and education that self-esteem and empowerment is facilitated, enabling women to stand up and lead themselves out of the vicious cycle of poverty that is often presented before them.
In many regions of the Global South, specifically post conflict regions, there is a ominous lack of democratic space. Public and community space is critical to the development and health of a community, region and nation. Democratic space provides citizens and civil society the ability to challenge and better understand the interface between citizens, government and policy development.
In addition, community space enables communities and civil society to gather, facilitate conversations and develop solutions to relevant and pressing issues.
The GWRC provides women and girls in Gulu, and neighboring districts, access to information and support through small group educational courses, including computer skills, helping them become more able to make informed decisions about their lives. The Center educates women about their health and well being, including access to family planning information, learning money management for economic empowerment and how to recognize and address domestic violence. In addition, the center will house the Peer Counseling and Access to Justice teams, WGEF staff, and hosting community interest events.
One year after its opening, the Resource Center is a thriving community hub.
Women’s Global/VAC Net has developed a program that is effective and responsive to the needs of our clients.
“When a woman learns to read and write, her whole world changes; possibilities and opportunities are created.” – Karen Sugar
Our clients expressed a desire and excitement for a literacy program and in response, our literacy program began in July, 2008. We have had such an overwhelming response to the offering, we had over 100 women sign up for classes. Participants are divided into groups where they will be provided with materials, books, pens, etc. and attend classes twice a week for six months. Two instructors have been secured, and they will conduct training for additional facilitators to become trained instructors. As of August 2016, 1,400+ women have participated in our literacy program; in 2016, 409 women participated. In 2017 we have will be building capacity, reaching deeper into the rural areas where women have been marginalized and lack basic services and opportunities; our goal is 1500 participants, having 5 centers, two levels of learning.
Our Leadership Development programs aim to advance the participation, access and voice of women in their communities in post conflict northern Uganda and other regions, districts and villages where women’s voices have been marginalized. A unique opportunity exists in post conflict regions for women to seize the moment, reshaping and rebuilding societies and traditional political order. Our goal is to create a mechanism to elevate women’s legislative participation thru training initiatives promoting advocacy, activism; creating the space for women to run for elected office, manage campaigns increasing women’s representation at all levels of government.
Justice is the foundation ensuring women become equal participants in decision making, development and their own futures. Without access to justice, women are disenfranchised and disempowered, experiencing violence, abuse and inequality. This initiative demands that women are viewed not as victims but as agents of change for social and economic justice.
To address violence against women, gender bias, inequality and gaps in the justice chain for women, this initiative strives to provide the critical information and resources, enabling women to know their legal and human rights within the justice system. The access to justice team consists of 12 women who manage a 24/7 hotline, assist in filing reports, supporting victims and families, advocate and assist during court proceeding all ensuring justice is served.
The A/J team is housed in GWRC and has become an important community based organization.
WGEF clients have experienced empowerment, gained leadership skills, understanding of advocacy, legislative participation and policy development. Women in our program are leading in their communities, speaking out on important issues, advocating for women and families, challenging their leaders and community members to do better, moving their communities forward. In February 2016, WGEF had 10 women competing for political office throughout the region, with 5 successfully winning their contest. Just 10 years ago, WGEF clients were living in IDP camps, are formerly abducted persons, and did not know if they even had a future. Through relevant and meaningful programs, WGEF has been able to offer women critical knowledge to transform their communities, creating a brighter and more secure future for themselves , their families, region and nation.
WGEF believes that women are natural leaders, and when given opportunities and access will be a transformative force for peace, democracy, security and equality.
Our program is robust, and becoming a vital part of the community, offering women economic opportunity and a chance to create a better life for herself and her children. Our location in Gulu and reputation in the community bring in new clients, ideas and possibilities everyday.
To address the issue of gender inequality, violence, land rights, food security, HIV/AIDS and other issues facing women in northern Uganda, Women’s Global Empowerment Fund created and hosts a drama festival, Kikopo Pa Mon. Women in our Credit Plus program create original plays highlighting their stories using music, drama, and dance.
Performances focus on the issues of inequality, education inequity, HIV and violence. This year the topic, chosen by participants, is ‘Reproductive Health Care is My Right’. Women used the unique opportunity as a vehicle to directly speak to men and community leaders who were in attendance. Because the issues addressed are sensitive and can be difficult to discuss directly, using music, dance and drama offers a different way to communicate and provides many other benefits, including maintaining and celebrating cultural traditions.
The competition provided a stigma-free environment in which to talk about sensitive subject matters; promoted unity and team building; and offered women the opportunity to be creative and innovative. The feedback for the yearly event is overwhelmingly positive and creates an excitement for Women’s Global in the community.
By encouraging the idea of traditional music, dance, and drama in the local language, the culture of the area would be preserved, and the relevance of these issues to the community would be elevated. Due to the positive response and overwhelming success of the event, Women’s Global and VacNet will continue to host Kikopo Pa Mon annually.
Women provide up to 90% of the rural poor’s food and produce, WGEF is supporting women farmers by offering agricultural loans and training. Help WGEF provide agricultural loans to women in northern Uganda!
Northern Uganda is a post conflict region, with a temperate climate. While the food agencies have been there for decades, there are shortages; for the region to successfully recover and for peace to continue, the people of the region must begin to grow their own food, feeding themselves, their families and their communities. What we know is that women produce up to 80% of food in developing countries, WGEF is supporting women and farming projects thru our agricultural loan program.
The agricultural project will provide women with agricultural loans, training and support, ensuring that our clients are able to successfully plant, grow and harvest their crops. As of 2013, WGEF has given out over 120 ag loans to women growing a diversity of crops, including: cassava, beans, and potatoes. Supporting women farmers is the way to create food security!
By funding the WGEF agricultural program, women will have the opportunity to create small to medium scale agricultural projects. Women comprise the majority of Africa’s farmers, playing a major role in farming, biodiversity and protecting nature.