Gender Equality and Social Inclusion (GESI) Strategy · financial services in the rural...

In Collaboration with:

Access to Finance for the Poor Programme

Gender Equality and Social Inclusion

(GESI) Strategy Inception Phase Deliverable A0.3

November 9, 2014

DISCLAIMER The Access to Finance for the Poor Programme in Nepal is funded by UK aid from the UK government; however the views expressed in this report do not ecessarily reflect the UK government’s official Policies. This report, including any attachments hereto, may contain privileged and/or confidential information and is intended solely for the attention and use of the intended addressee(s). If you are not the intended addressee, you may neither use, copy, nor deliver to anyone this report or any of its attachments. In such case, you should immediately destroy this report and its attachments and kindly notify Louis Berger. Unless made by a person with actual authority. The information and statements herein do not constitute a binding commitment or warranty by Louis Berger. Louis Berger assumes no responsibility for any misperceptions, errors or misunderstandings. You are urged to verify any information that is confusing and report any errors/concerns to us in writing.

Contents Executive Summary ...................................................................................................................................... 1

1. Introduction .......................................................................................................................................... 2

2. Status of Rural Poor, Women and Disadvantaged Groups in AFP Programme Areas .............. 2

3. Overarching approach of AFP in relation to GESI strategy .......................................................... 5

3.1 Capacity development ............................................................................................................... 6

3.1.1 Capacity Development within the AFP Programme Team ................................................... 6

3.1.2 Capacity enhancement of Implementing Partners ................................................................. 6

3.1.3 Capacity development of target groups through the Implementing Partners .................. 7

3.2 Collaboration, Coordination and Linkages Development for synergy ............................... 7

3.3 Communication and Dissemination for Enhancing Outreach .............................................. 7

3.4 Feedback for Policy Reform Implementers ............................................................................. 8

3.5 Robust Monitoring, Evaluation and Reporting from GESI perspective .............................. 8

3.5.1 Role of Implementing Partners in monitoring the activities ................................................. 8

3.5.2 Increase percentage of target groups in the districts ........................................................... 8

3.5.3 Field-level monitoring ................................................................................................................ 8

3.5.4 Progress report ............................................................................................................................ 9

4. Mainstreaming GESI through the Project’s Components / Outputs with Specific Interventions ................................................................................................................................................. 9

4.1 Output 1: Banks and other financial institutions are able to provide more and better services to enterprises. ............................................................................................................................ 9

4.2 Output 2: Strengthened capacity of formal and semiformal financial institutions to provide services in selected districts .................................................................................................. 10

4.3 Output 3: Financial capability of enterprises and households is improved in selected districts ..................................................................................................................................................... 11

5. Conclusion .......................................................................................................................................... 12

Annex I: Explanation of Key Terms Annex II: Guidelines for GESI Mainstreaming By AFP Programme Team Working with Partner

Institutions Annex III: Perception Survey Form Annex IV: GESI Workplan

Acronyms AFP Access to Finance for the Poor

DAGs Disadvantage Groups

DFID Department for International Development

DFIDN Department for International Development Nepal

FGD Focus Group Discussion

FINGOs Financial Intermediary NGOs

FP Focal Person

FSP Financial Service Provider

FWDR Far Western Development Region

GDI Gender Development Index

GEM Gender Empowerment Measure

GESI Gender Equality and Social Inclusion

GoN Government of Nepal

HDI Human Development Index

HPI Human Poverty Index

IFAD International Fund for Agricultural Development

IPs Implementing Partners

MDBs Microfinance Development Banks

MFI Microfinance Institution

MIS Management Information System

MWDR Mid-Western Development Region

M4P Making Markets Work for the Poor

SGBV Sexual Gender Based Violence

SAARC South Asian Association for Regional Cooperation

SACCOs Savings and Credit Cooperatives

SAFAL Sustainable Access to Finance and Livelihoods

SFCL Small Farmers’ Cooperatives Limited

SME Small and Medium Enterprise

TNA Training Needs Assessment

ToT Training of Trainers

ToR Terms of Reference

VCD Value Chain Development

VDC Village Development Committee

1 | P a g e

Executive Summary The Access to Finance for the Poor (AFP) Programme’s Gender and Social Inclusion (GESI) strategy begins by identifying the various barriers to financial inclusion faced by the rural poor people, disadvantaged groups, women and youth residing in the priority districts selected for the Programme’s proposed interventions. It examines the causes of financial exclusion, the institutional capacities of potential AFP Programme partners to address the issues of such exclusion, and proposes strategic interventions for implementation with these partners for the specific disadvantaged groups. It sets the basis for AFP Programme partners to rollout activities for the benefit of these groups based on the three domains of change, namely: a) improving value chain financing opportunities for the rural poor, women and Disadvantaged Groups (DAGs) by working closely with GESI-committed partner financial institutions, b) supporting more inclusive policies and procedures within the charter and mandate of the partnering institutions and counterpart government entities and c) changing the behaviour/mindset when working with implementing partners to design financial literacy initiatives for groups with limited financial knowledge and awareness.

The AFP programme’s GESI approach focuses on facilitating and improving women’s and disadvantaged groups’ ability to access and engage with markets through empowerment at the community level. As a cross-cutting component of the AFP Programme, the GESI strategy helps AFP Programme staff and partners assess and address the socio-cultural barriers that inhibit poor and disadvantaged people to benefit from enhanced access to finance. It serves as a guiding document for all AFP Programme staff as they work to enhance capacity of partners that will ultimately benefit the beneficiaries served. With a focus on embedding GESI efforts into the AFP Programme, the strategy calls for the GESI Implementation Advisor to work directly with programme output leads to plan, implement and monitor performance of programme interventions utilizing the GESI lens throughout the programme life cycle. Ongoing activities are to be reviewed from time to time and improvements made based on feedback from the beneficiaries, project partners (including the AFP Programme Steering Committee) and staff.

Programmatic interventions in Output 1 (Banks and other financial institutions are able to provide more and better services to enterprises) of the AFP Programme focus will build the capacity of banks in particular to meet the financing needs of women SMEs as well as the youth. The AFP programme approach will be to assist the banks in prioritizing industries and sectors dominated by women (such as handicrafts and agriculture), identify associated value chain financing needs and design financial products and services catered to these needs. Specialised youth entrepreneurship financial loans will also be designed. An integral part of Output 2 (Strengthened capacity of formal and semiformal financial institutions) AFP Programme interventions is to implement a focused set of policies and procedures in targeted institutions [Cooperatives, Microfinance Development Banks (MFDBs)] oriented towards greater inclusiveness for women, rural poor and DAGs. Focus in this output will also be to create specialized micro-loan products, micro-banking through branchless banking points and micro-insurance products for target groups identified under the GESI Strategy. Output 3 (Increased Financial Literacy) interventions will be geared to behaviour/mindset change through the implementation of targeted financial literacy enhancement tools with implementing partners (banks, MFDBs, cooperatives and select advocacy groups) geared at improving the capabilities of the rural poor, women and DAGs in the priority districts of the AFP Programme. The Access to Finance for the Poor Project Challenge Fund (AFPCF) will catalyse the AFP Programme financial services partners in target districts to broaden the range of financial products, and introduce new channels for delivery of financial services in the rural communities, with special emphasis on the rural poor, women, DAGs and the youth.

JS

Highlight

2 | P a g e

1. Introduction Gender Equality and Social Inclusion (GESI) is a key development priority for the Government of

Nepal (GoN). The goal is to transform the country into an inclusive state, where existing power

relations are restructured to ensure equitable rights for all citizens regardless of their caste, ethnicity,

religion, age or class. The Interim Nepalese Constitution 2007 guarantees social justice and

affirmative action for women, Dalit, Janjatis, Muslims, Madhesis and other excluded and

Disadvantaged Groups (DAGs) and there has been a growing practice of developing gender- and

inclusion-sensitive interventions, especially in the government’s sector-wide programmes supported

by multiple donor (including DFID). As DFID recently wrote, “To ensure GESI, first and foremost, it is

important to understand who are excluded and the causes of exclusion. There are two major forms of

exclusion – social and economic exclusion. Exclusion related to poverty looks at the poor of all

castes, ethnicity, location, and gender. Social exclusion primarily looks at the issues of women, Dalits,

Janjatis, Muslims, Madhesis and other minorities including people living in remote geographic or

vulnerable area.”1 The AFP Programme’s GESI strategy builds on these types and causes of

exclusion.

DFID Nepal’s Access to Finance for the Poor Programme (AFP) is a key component of the continued

development of Nepal’s financial sector, and a driver towards a more financially inclusive Nepal. The

AFP programme’s focus is on improving access to finance for Micro, Small & Medium Enterprises

(MSMEs), rural poor, women, and DAGs thereby resulting in the creation of 88,000 sustainable new

jobs (including 35,000 new jobs for women). The AFP programme recognizes the pressing need to

reduce gender, ethnic and caste related disparities through greater social and gender inclusion. The

programme’s GESI approach is based on Making Markets Work for the Poor (M4P) principles, with a

focus on facilitating and improving women’s and disadvantaged groups’ ability to access and engage

with markets through empowerment at the community level. The approach also examines the

institutions, policies, and socio-cultural norms that hinder women’s and DAG’s ability to access

financial products, and establishes a comprehensive set of activities and programmes aimed at

breaking down these barriers to access.

2. Status of Rural Poor, Women and Disadvantaged Groups in AFP Programme Areas

During the initial period, the AFP programme’s prime focus is in the Mid-Western Development

Region (MWDR) and Far-Western Development Region (FWDR). The criteria for prioritizing districts

for programme interventions also takes into consideration all the GESI prospects (i.e., Human

Development Index (HDI), Gender Development Index (GDI), Human Poverty Index (HPI), Gender

Empowerment Measures (GEM)) and other programme-specific criteria. The HDI, GDI, HPI and GEM

in the targeted districts are comparatively lower than the other regions, reflecting the inequitable

distribution of resources for health, education, and sanitation. While the HDI score for Nepal is 0.458,

it is 0.435 in the FWDR and 0.447 in the MWDR. These are the lowest HDI-rankings among the five

development regions. The GDI of Nepal is 0.482 whereas the GDI in FWDR and MWDR is 0.423 and

0.442, respectively.

1 Extrapolated from Sector monographs on GESI developed by DFID, World Bank and ADB, 2011.

3 | P a g e

The priority areas for this programme are rural areas where infrastructure is inadequate and

underdeveloped in terms of roads, market places, storage facilities, and productivity enhancement

facilities. The poor transport network affects the timely movement of people, goods, and delivery of

services. Post-harvest losses are high due to a lack of an appropriate road network and of marketing

and storages facilities. Poor and small-scale producers, often rural poor, women and DAGs are

excluded from profitable markets because they are unable to compete with larger producers. There is

a need for a Value Chain Development (VCD) approach to financial product and service innovation

under the AFP programme, as it will help facilitate market access for these vulnerable groups, whilst

also focusing on investments in production and productivity. Overarching changes are required to

remove the barriers that women, the poor and the excluded face in accessing financial services in

these regions. Agriculture is the most significant economic sector and the market linkages are weak,

which contribute to poor access to markets, high transaction costs and low value addition to farm

produce.

Rural financial services are inadequate, which contribute to low investments in agricultural production

and in agro-based micro and small enterprises. Most of the Microfinance Institutions (MFI) in these

districts lack outreach in remote areas. There is inadequate staff, structures, resources, and

institutional policies to provide financial services for women and DAGs. On a comparison basis,

women cooperatives are weaker in terms of institutional capacity but have more potential to expand

services to this segment. There is a significantly low number of female staff and staff from the DAGs in

MFIs/Cooperatives, other Financial Sector Partners (FSPs) and SMEs. Our own on-the ground

assessment in Baitadi, Kailali, Dadeldhura, Achham, Bajura, Rukum, Salyan and Dang districts has

shown that there are no proper policies and priorities for GESI interventions by the FSPs. Further,

several potential partners have been found lacking in overall institutional capacity, including

inadequate Management Information Systems (MIS) to effectively track targeted beneficiaries.

With limited access to formal financial services, rural people in the Far Western Development Region

(FWDR) and Mid-Western Development Region (MFDR) mainly use credit from one of the four main

sources available in the villages: local moneylenders, relatives, cooperatives, other saving-credit

groups and banks. During our field assessment, we found that poorer people are largely using local

moneylenders to pay for migration and other costs. The moneylenders give money to migrants

instantly, with or without collateral, but at a high rate of interest (up to 60 percent per year). Despite

the high rates of interest, villagers borrowed from local moneylenders because of the simple process

and instant access to loans, and non-requirement of collateral. Banks are usually based in the district

headquarters, which could be a very long commute for these communities.

Labour migration in almost all districts is high, with women staying behind to look after the children,

farm, cattle, the elderly, and the sick. One in every four households (25.4 percent; 1.4 million

households) reported that at least one member of their household is absent or is living out of country.

The highest proportion (44.8 percent) of absent population is from the age group 15 to 24 years.”2

Labour migration can also have negative impacts such as increased workload for women and

exposure to health risks and can lead to social malpractices.

2 National Population and Housing Census 2011

4 | P a g e

Women are often financially excluded due to the prevalence of gender-based discriminatory

practices. According to a 2010 Asian Development Bank report, the proportion of economically-active

women in Nepal is relatively high compared to other South Asian countries.3 The report uses the 2008

Labour Force Survey to cite that 80.1 percent of women in Nepal are economically active, compared

with 87.5 percent of men. While these figures are encouraging, the report also notes that women’s

earned income is about one-third that of men, a consequence of their low access to property

ownership, financial credit, and political power.4 Furthermore, 94 percent of women in Nepal are

employed in the informal sector, restricting the effectiveness of legal protections for women under

the Interim Constitution and other laws.5 Women also face serious discrimination when it comes to

their citizenship and land tenure rights. As of 2011, only 20 percent of households reported the

ownership of land, house, or both in the name of female member of the household. In urban areas, an

under 27 percent of the households showed female-ownership of fixed assets, while the percentage

stood at 18 percent in rural areas.”6

Poor women, female entrepreneurs and women-owned MSMEs in Nepal face heightened barriers to

access to finance due to several socio-cultural based discriminatory perception and practices. These

barriers include landlessness, illiteracy, geographical remoteness, women’s workloads, gender biased

attitudes, unfavourable conditions for participation; learning and decision making, lack of access

among women to productive resources, and lack of recognition of the agro-based knowledge and

skills. Furthermore, their risk bearing capacity is relatively low because of male-dominated practices

in economic activities. For example, if a male fails in one enterprise he can try another enterprise

without facing family objections. If a female fails in an enterprise, she is largely discouraged to

undertake another venture. Because of the lack of female-ownership of fixed assets, women are

unable to borrow large loan amounts due to the absence of tangible collateral. Lack of mobility for

women and access to education and family property, and customs that have degraded their position

have made them vulnerable to food insecurity.

As relates the other DAGs, the 3-Year Interim Plan of Nepal (2013) reports high poverty levels with 46

percent of the Dalit, 44 percent of the hill Janajatis and 41 percent of the Muslim community reported

to be living below the poverty line (i.e. income of less than USD 1.25 per day). Given that the national

average was 31 percent, these figures are formidably high. These communities have limited access to

productive resources and development investments. There are similarities in the root causes of

vulnerability for women and DAGs in the FWDR and MWDR. These include the historical patriarchal

socio-cultural system and the regions being administratively marginalized in Nepal as a result of an

overly centralized political economy. In these regions, difficult terrain and environmental degradation

complicate the provision and access to basic services particularly for DAGs and women. Access to

productive land in these areas is also an issue.

DAGs such as the Dalit community living on hills and mountains are economically more vulnerable

due to access to low productive land as a consequence of their “low status” in society. This situation

has resulted in most of the male members of the Dalit community migrating to India for employment

3 Overview of Gender Equality and Social Inclusion; Asian Development Bank, 2010. 4 Ibid. 5 Bennett, Lynn (2008). Caste, Ethnic and Religious Identity in Nepal: Further Analysis of the 2006 Nepal

Demographic and Health Survey. 6 National Population and Housing Census 2011

5 | P a g e

opportunities. Moreover, since these male members lack adequate education and skills, they are

compelled to engage in menial jobs. In addition, back home in Nepal, the trades traditionally

undertaken by this community are being upgraded and taken on by the richer and so-called higher

caste people introducing modern skills and resources. There is also widespread prevalence of child

labour in poor and Dalit communities. Further, high rates of infant and maternal mortality can be

found in these groups due to inability to afford basic health services and nutritious foods. There is

also the high prevalence of sexual gender based violence (SGBV) and domestic violence amongst

girls and women from the rural and Dalit communities.

Climate change is also becoming a leading cause for health hazards and natural disasters. Our

discussions with women during the field visits in Rukum, Dang and Salyan highlighted increased

vulnerability to food security exacerbated by dwindling water and fuel wood resources. Women also

reported difficulties in adapting agricultural practices to climate change patterns. The burden posed

by the demand for increased agricultural production yields is taking its toll; there is a dire need for

new production practices as well as the introduction of more climate resilient seeds and other farm

inputs. Women’s limited access to information and training is restricting their capacity to adapt as

well.

Targeting women, the rural poor and DAGs in the agriculture sector with appropriate financial

products from formal financial institutions will be crucial to GESI mainstreaming efforts. Thus,

developing appropriate financial products and schemes in value chains dominated by women and

DAGs will be required. Other avenues for promoting the growth and development of women-owned

and DAG-owned MSMEs include skills training and the development of pilot project bundles that

include business development services as well as focused loan products.

3. Overarching approach of AFP in relation to GESI strategy As a cross-cutting component of the AFP Programme, the GESI strategy will help AFP Programme staff and partners assess and address the socio-cultural barriers that inhibit poor and disadvantaged people to benefit from enhanced access to finance. With a focus on embedding GESI efforts into the AFP Programme, the GESI Implementation Advisor will work directly with programme output leads to plan, implement and monitor performance of programme interventions utilizing the GESI lens throughout the programme life cycle. Ongoing activities are to be reviewed from time to time and improvements made based on feedback from the beneficiaries, project partners, as well as the AFP Programme Steering Committee. The AFP programme’s GESI strategy will also align with Government of Nepal’s (GoN) current policies, priorities, and strategic framework by concentrating on key target groups such as the rural poor, women, and the DAGs.

The AFP programmes’ key target groups (see Annex I for a detailed definition) and mainstreaming strategies at the overarching level for each is summarized in Figure 1.

6 | P a g e

Figure-1: Key Target Groups and Mainstreaming Strategy

Key target groups Mainstreaming Strategy

Rural poor - Destitute people including those that are sick,

disabled or displaced, and abandoned - Extremely poor people including illiterate or

landless people - Moderately poor people who have small farms

but are heavily indebted - Nearly poor people including small farmers

who are at risk of falling back into poverty as a result of factors such as conflict, debt and land degradation

- Key emphasis on the extremely poor (illiterate, landless and populations that live under 1.25 USD per day).

- Financial literacy programs for the rural poor in different languages.

- Access to financial services that further enable income generating activities

- Priority in mountain districts of far-west and mid-west (with a higher HPI).

Disadvantaged Groups (DAGs) - Dalit - Janjati - Muslim - Madhesi

Focus on the “endangered” & “highly marginalized” groups. Focus on DAGs residing in specific areas, for example: - Tharu in Kailali, Bardiya, Banke and Dang; - Muslims in Banke; - Haliya, Badi, Raji and Dalit in Dang, Dadeldhura,

Baitadi, Darchula, Bajhang, Achham, Bajura and in districts of Karnali, Bheri and Rapti zone;

- Magar in Dang, Rukum, Rolpa, Pyuthan and Salyan; and,

- Madhesi in Kailali, Bardiya, Banke and Dang Targeted partnerships with specific organizations working with DAGs

Women - Forty percent of programme beneficiaries are women.

- Targeted support for women-owned SMEs and FINGOs/Cooperatives.

- Special focus on women from DGs and the rural poor groups.

- Piloting and implementation of specialized financial products for women in AFP programme districts.

Youth - Partnership with specific organizations working with Youth Entrepreneurship loan products.

- Entrepreneurship loans for under and unemployed youth (age group 18-29)

The different elements of the GESI strategy discussed in detail below will include: i) Capacity Development, ii) Collaboration, Coordination and Linkages Development, iii) Communications and Dissemination for Enhancing Outreach, iv) Feedback for Policy Reform Implementers, and v) Monitoring, Evaluation and Reporting. Annex II also provides guidelines for GESI Mainstreaming by AFP Programme Team Working with Partner Institutions.

3.1 Capacity development

3.1.1 Capacity Development within the AFP Programme Team

In order to create an enabling institutional environment for GESI within the AFP programme, the following key features will be prioritised:

• Hiring local staff that is representative of the target groups identified in Figure 1 above; • Prioritisation of staff positions for women; and • Rigorous training of staff on GESI strategy and holding them accountable for achieving the

overarching programme goals by effectively facilitating a common understanding of GESI issues among all programme partners and their beneficiaries.

3.1.2 Capacity enhancement of Implementing Partners

AFP programme components will assist their implementing partners in the rollout of GESI friendly policies and procedures that will include the following:

7 | P a g e

• Facilitate programme partner organizations to develop and implement a rural poor, gender, DAGs and youth analysis framework;

• Help partners develop a gender checklist to assess gender impact of their organizations; • Prepare and apply GESI operational guideline for the specific partners; • Standardize technical/non-technical training for partners with a GESI lens; • Facilitate partners to setup district specific targets for affirmative action; • Encourage partners to offer business counselling, coaching and mentoring to women and

DAGs for increasing participation in economic activities; • Institutionalise role of ‘gender focal point’ within the partner institution; • Develop a compliance framework with partners that would include GESI in a communication

strategy; strengthen partners outreach of GESI in the project districts to ensure that target groups are informed about opportunities and developments;

• Ensure that all project implementing partners properly monitor and review GESI strategy; • Prepare a GESI Trainer-of-Trainer (ToT) manual for partner’s staff, making them champions for

providing similar training to the beneficiaries; • Provide technical capacity to partners to maintain disaggregated data in MIS; and • Provide specific support, such as infrastructure, logistics and institutional capacity to partners.

3.1.3 Capacity development of target groups through the Implementing Partners

AFP programme components will support capacity building efforts of implementing partners that will focus on the following areas to actively court and design interventions for specific target groups:

• Identify potential excluded groups residing in a specific geography; • Explore and address the interests, needs, potentialities, and constraints/ barriers to the rural

poor, women and DAGs in specific financial access and value chain initiatives; • Sensitize and empower GESI targeted households for equitable benefit sharing through

meaningful participation; • Apply a transformative leadership approach in the training and capacity building of

beneficiaries by developing “champions” and support at a community level to improve the status of women and DAGs;

• Use and disseminate technology that benefits the outreach and impact to women and DAGs; • Provision of economic empowerment training to women and DAGs; • Documentation of potential positive impact of the partner’s intervention in preventing

trafficking of poor rural girls/boys and violence against women; and • Conducting a perception survey/voice collection of the institution’s GESI policies and

framework to evaluate impact (See Annex III for a sample survey to be used by an AFP Programme partner institution as well as by AFP Programme Field Coordinators).

3.2 Collaboration, Coordination and Linkages Development for synergy

• Further identify possibilities for collaboration with relevant government and nongovernment organizations working with women and DAGs in order to leverage programme interventions, explore opportunities for replication and ensure sustainable increased access to finance; and

• Reduce gaps and overlaps in GESI approaches in project districts.

3.3 Communication and Dissemination for Enhancing Outreach

• Inclusion of the GESI strategy into the overall communication strategy for the AFP programme;

• Inform target groups of GESI-sensitive publications and communication; • Provide access to finance related information in different languages and formats (e.g.

brochures, charts, pictures, posters, audio-visuals); • Use print media, TV/radio, notices at government offices, and mobile technology to

disseminate important information; and • Document and produce project successes using audio-visual and knowledge products to

ensure women and excluded groups are included in economic and social empowerment initiatives.

8 | P a g e

3.4 Feedback for Policy Reform Implementers

• Conduct study on GESI gaps at the policy and implementation level and support GoN to meet the policy gaps;

• Encourage partners to provide effective feedback to policy reform as needed; • Simplify policies and procedures of the GoN and FSPs to make it more favourable to rural

poor, women and DAGs; • Gather and analyse feedback on policies from women-owned SMEs, the Federation of

Women Entrepreneur’s Association of Nepal and other female-oriented implementing partners; and

• Make recommendations for policy changes to the AFP Programme Steering Committee.

3.5 Robust Monitoring, Evaluation and Reporting from GESI perspective

To ensure adequate monitoring of the GESI impact of AFP programme initiatives, the Gender Advisor will work with the M&E team and various components to develop the capacity of partner agencies to carry out effective monitoring of GESI targets. Progress on gender mainstreaming and social inclusion through the implementation of the programme’s MIS will be included in the MIS monitoring mechanisms, including data disaggregated by sex, caste, and ethnicity including minority groups. During the preparation of quarterly and annual reports, gender data will be collected and analysed and, if needed, corrective measures will be applied. Greater emphasis will be placed on ensuring adequate monitoring and reporting to systematically track progress towards GESI project outputs and to capture AFP’s contribution to the government’s inclusion strategy goals. The GESI Strategy will be fully integrated into the programme’s M&E framework. Indicators in the M&E Framework that measure numbers of individuals or SMEs reached by programme activities will be disaggregated by gender, as shown in the log frame. The following parameters for M&E will be considered from GESI perspectives:

3.5.1 Role of Implementing Partners in monitoring the activities

• The ability to gather and report GESI data will be part of the partner selection process and GESI data will be gathered from the beginning of the partnership;

• Implementing partners will be responsible for monitoring through their own monitoring plans; • The important issues of collective intervention obtained from M&E will be discussed at the

partner level, sent to the project team, and discussed within the AFP leadership as all we with DFID and the AFP Programme Steering Committee;

• All programme documentation and knowledge products will contain analysis that is disaggregated for GESI; and

• All programme-related studies, surveys, analyses, and reports will include a discussion of GESI-related concerns and issues.

3.5.2 Increase percentage of target groups in the districts

• Representation of target groups in the executive committees or leadership teams of partner organizations will be increased;

• Each component will set for partner institutions district-wide annual targets to reach women and DAGs; and

• Income levels of the target groups will be closely increased.

3.5.3 Field-level monitoring

• The AFP Programme will monitor GESI results at the field-level through AFP Programme Field Coordinators in addition to reports being received from the partners;

• Achievements, lessons learned, and best practices of addressing issues affecting GESI at the field-level will be captured and presented;

• Key GESI challenges and issues per output and for the Challenge Fund will be documented; and,

• Case studies will include documentation of shifts in discriminatory practices and attitudes, and explanations on how GESI mainstreaming has been done in similar programmes.

9 | P a g e

3.5.4 Progress report

Progress reports will be produced annually for GESI in the programme. These reports will include: • Highlights on the ways GESI has been integrated in specific outputs and in the Challenge

Fund component of AFP; • Capturing the progress of GESI issues at the output level in disaggregated form; • Measuring shifts in incomes of target groups before and after AFP interventions; • Reflecting changes, as and when needed, in parameters developed above (change in income,

increment of beneficiaries against the target set and increase in representation in the executive committee of each partner organization);

• Reflecting on barriers to GESI target groups with reference to service providers in a disaggregated form; and

• Integrating GESI in the achievements of results, lessons learned, major observations, and case studies.

In addition, stories of change will include information and examples on how GESI has been addressed in the projects.

4. Mainstreaming GESI through the Project’s Components / Outputs with Specific Interventions

The AFP Programme team will attain the broader goals of gender equality and social inclusion mainstreaming through the implementation of targeted interventions under each of the programme components. In addition to these interventions, financial inclusion efforts for the targeted groups will be further maximised through proper selection of partner institutions applying for Challenge Fund support. Challenge Fund application requirements will include gender mainstreaming goals set forth by the overall AFP Programme. Provided below are some tangible examples of interventions under each AFP Programme Component/Output. Also, Annex IV provides an annual workplan for GESI Strategy implementation.

4.1 Output 1: Banks and other financial institutions are able to provide more and better services to enterprises.

Programmatic interventions in Output 1 of the AFP Programme will build the capacity of banks in particular to meet the financing needs of women SMEs and the youth. AFP programme approach will be to assist the banks in prioritizing industries and sectors dominated by women and youth, identify associated value chain financing needs and design financial products and services catered to these needs. Figure 2 provides more details on how these interventions imbibe the GESI Strategy.

Figure-2: Output 1 Interventions

GESI Strategy Strategic Interventions Result: Capacity enhancement of banks to increase assets and capacities for rural poor, women and DAGs Partner banks expand their outreach and develop specific products and services that support financial access for rural poor, women, youth and DAGs

- Enhancing institutional capacities to ensure that they are delivering products and services to women-owned SMEs, youth and DAG-owned SMEs;

- Facilitate partnerships between warehouses, partner financial institution (FI), and the farmers from targeted groups in a network to finance the working capital needs of the latter. Farmers receive a receipt from a certified warehouse that can be used as collateral to access a loan from third-party financial institutions against the security of goods in an independently controlled warehouse

- Develop other financial innovations to improve post-harvest management and other such interventions that ensure access to these by the excluded;

- Ensure financial institutions are more responsive to female and youth clients’ needs while- designing products and/or services;

- Expand women and youth specific credit products addressing women’s as well as the youth’s collateral constraints;

- Term Loans to finance the purchase and sale of agricultural, trade, service or manufacturing products by the targeted groups;

- Monitor loan use to ensure that loans are being used responsibly among female clients, youth and other people from DAGs and rural poor.

10 | P a g e

GESI Strategy Strategic Interventions Result: More inclusive policies and procedures Evidence based inclusion of policies and procedures in favour of rural poor, women and DAGs in AFP Programme Partners

- Assist implementing bank partners towards revising policy guidelines and procedures that include focused references to targeted groups inclusion

- Work with targeted groups to lobby for revision of formal and informal policies that discriminate against women, rural poor, and DAGs (i.e., sectorial government policies that impact on women’s and the excluded access to required resources for developing enterprises; the socio-cultural practices that determine women’s mobility, their work-burden; the social permission to interact with outsiders and people outside of community and family; the limited decision making power of women, and their financial dependency on men).

4.2 Output 2: Strengthened capacity of formal and semiformal financial institutions to provide services in selected districts

An integral component of Output 2 is to implement appropriate mechanisms and policies in targeted institutions that are oriented towards greater inclusiveness for women and DAGs. The essential step in achieving this goal is to develop capacity of these institutions (MFDBs, FINGOs, SACCOs, and SFCLs) that enhances their reach, and improves upon their current modes of engaging with women and DAGs. Figure 3 provides more details on how AFP Programme interventions imbibe the GESI Strategy.


Strategy Strategic Interventions Result: Capacity enhancement of MFDBs/Cooperatives to increase assets and capacities for rural poor, women and DAGs Help MFDBs, FINGOs, SACCOs and SFCLs expand their capacity

- Capacity assessment (staff, structure, and policies to favour target groups) of formal and semi-formal financial institutions and addressing these gaps through their proposals;

- Support for brick and mortar expansion as well as development of branchless banking locations to enhance micro-banking;

- Build synergies among relevant groups of stakeholders and encourage collaboration and coordination in order to share experience and learning, and scale-up good practices; and

- Provide specific support, such as infrastructure, logistics and institutional capacity.

Result: Designing of products and/or services targeting the rural poor, women and DAGs Develop specific products and services that support financial access for rural poor, women and DAGs

- Encourage partners to disburse loans with attractively priced interest rates with limited or no collateral to highly vulnerable groups such as survivors of disasters, trafficking, and SGBV for promotion of their SMEs;

- Enable the above through the creation of a loan guarantee programme that can offset likely loan losses;

- Focus financial support to the pocket area of target groups (as shown in Figure 1) through focused value chain financing and promote “one district one product/one village one product” in collaboration with other actors who provide business development services support (for e.g., skill training and entrepreneurship);

- Assist in the financing of technologies which are viable for the geography and sustainable to the targeted groups and provide challenge funding support to appropriate partners who develop products that finance climate-resistant seeds and other inputs, etc.;

- Promote livestock and traditional business trades of Dalit and highly marginalized communities through the design of special loan products that also factor in micro-insurance (including livestock and personal insurance).

11 | P a g e

4.3 Output 3: Financial capability of enterprises and households is improved in selected districts

Improving financial literacy and financial capabilities of women and DAGs will be a critical component for improving access to finance in Nepal. Implementing financial literacy programmes is still a relatively new practice for financial institutions. Thus, the potential for the programme to influence and enhance the effectiveness of financial institution-based financial literacy programmes remains high. GESI will be integrated into the curricula of the overall financial literacy programme to be launched with implementing partners.

Through standardization of the financial capability curricula, the AFP Programme’s support for literacy programmes can contribute to gender and disadvantaged group mainstreaming in each of the two ‘tracks’:

• The first track will be geared towards acquainting underserved, poor, and less educated clients with the fundamentals of finance and money management, and will work to dispel common misperceptions as they relate to financial behaviours and attitudes. A key aspect of the curriculum will focus on dispelling common misperceptions related to gender and disadvantaged groups, and reframing common views on women and DAG’s role in the economy towards greater inclusiveness.

• The second track will focus on preparing participants for the available financial products and services that can play a role in gender and DAG mainstreaming by highlighting programmes, initiatives, and organizations that specifically target women, women-owned enterprises, DAGs and other targeted groups.

Figure 4 provides details on how AFP Programme interventions will imbibe the GESI Strategy.


Strategy Strategic Interventions Result: Capacity enhancement of targeted entrepreneurs in VCD and financial access through the partners Work with partner institutions on capacity enhancement of entrepreneurs to obtain the services from the financial service providers

- Launch ‘Business-Focused Functional literacy REFLECT Classes’ for target groups in appropriate languages following situation and needs analyses;

- Training to targeted entrepreneurs on accounting and record-keeping; - Provide skill development training to the targeted populations (production,

processing, marketing and others); - Provide awareness to women and other excluded groups on which resources

are available to them and what AFP partners and financial service providers (in particular) can provide for them, such as programme support and type of financial services, and how they can influence how services reach them so that the service provider is held accountable;

- Sensitize men and women on sharing workloads equally at the household level through GESI training of family members and concerned stakeholders;

- Partners will organize regular, issue-based GESI interaction programmes and workshops (gender and social inclusion audits, gender budgeting exercises, etc.);

- Sensitizing agribusiness and private/public enterprises to incorporate GESI into their business plans;

- Arrange exposure visits to facilitate the exchange of learning and experience arising from engagement in VCD;

Result: Educate and promote mobile literacy models for targeted people Strengthen information and communication systems to ensure that relevant information is delivered via appropriate media based on the needs of target groups at all levels

- Mobilize local FMs to educate people in the local languages; - Conduct short educational package though local partners; and - Use mobile phones for disseminating basic packages on financial literacy.

12 | P a g e

5. Conclusion GESI issues are complex and interdependent, requiring many actors and stakeholders. It demands attention at each stage of the project cycle and should be integrated into each output and sub-output (or intervention) of the project. In particular, the Challenge Fund (CF) presents an ideal opportunity for partnering institutions to reach targeted vulnerable groups. Those seeking funding partnerships from the CF will need to recommend innovative approaches aimed at maximizing services to the rural poor, women, youth, and DAGs in an effective and efficient manner.

The GESI strategy document provides operational practice guidelines for integrating GESI into each project component. It helps the AFP programme team to identify strategic entry points, explore the root causes of exclusion, and to design practical interventions. In order to mainstream GESI, financial service providers, value chain actors and other stakeholders must collaborate and learn through shared experiences. With this in mind, this strategy aims to be relevant to local circumstances and easy to implement.

Annexes Annex I: Explanation of Key Terms Annex II: Guidelines for GESI Mainstreaming By AFP Programme

Team Working with Partner Institutions Annex III: Perception Survey Form Annex IV: GESI Workplan

Annex- I: Explanation of Key Terms

Social Exclusion: Describes the experience of groups that are systematically and historically disadvantaged because of the discrimination based on gender, caste, ethnicity, or religion. Exclusion occurs in public (formal) institutions such as the legal or education system, as well as in social (informal) institutions such as communities and households.

Social Inclusion: The removal of institutional barriers and the enhancement of incentives to increase access by diverse individuals and groups to development opportunities. This requires changes in policies, rules, and social practices and shifts in people’s perspectives and behaviour toward excluded groups.

Gender: Refers to the socially constructed roles and identities of men and women as well as the relationships between them. These roles change over time and vary by culture. In Nepal, women face unequal power relations and gender-based barriers due to a patriarchal society.

Caste: Refers to the Hindu hierarchal system, originated by categorizing people into caste groups according to the division of labor, roles, and functions. In Nepal, the “upper” castes refer to the Brahmans and Chhetris and the “lower” castes refer to the Dalits who suffer from caste and untouchability-based practice and religious, social, economic, political, and cultural discrimination. The Dalits comprise 13% of Nepal’s population and can be classified into 6 sub-caste groups from the hills (Hill Dalits) and 10 sub-caste groups from the Terai (Madhesi, Dalits).

Adivasi/Janajatis: People or communities having their own mother tongue, traditional customs, distinct cultural identity, social structure, and written or oral history. Interchangeably referred to as “Janajatis,” “ethnic groups,” and “indigenous nationalities.” The government identified 59 groups as indigenous nationalities and these are categorized into 5 groups based on their economic and socio-cultural status. These include “endangered,” “highly marginalized,” “marginalized,” “disadvantaged,” and “advanced” groups. Newars and Thakalis are the only two groups classified as “advanced” groups.

Madhesis: The definition of “Madhesi” is politically contested. But, in broad terms it refers to the people who have languages such as Maithili, Bhojpuri, Awadhi, Urdu, and Hindi as their mother tongue and are considered of Madhesi origin. They include Madhesi Brahman Chhetris (2% of the population), Madhesi’s other caste groups (13% of the population), and Madhesi Dalits. Their exclusion is based primarily on regional identity and language.

Muslims: A religious group who comprises 4.3% of Nepal’s population.

Under and Unemployed Youth: The definition of ‘youth’ varies across the globe In Nepal. The population in the age group 15–29 years is considered youth for the purposes of the AFP Programme. Following this definition, 26% of all people were youth in 2008, making up nearly half of the economically active population. In 2011, 28 percent of the total population of Nepal are in the age group defined as youth, 54% of whom are girls and women.

Disadvantaged Groups7

Dalit

A. Dalits: Hills (Kami, Damai/Dholi, Sarki, Gaine, Badi)

B. Dalits: Terai (Chamar, Mushar, Dushad/Paswan, Tatma, Khatway, Bantar, Dom, Chidimar,

Dhobi, Halkhor), Other Dalits

7 Nepal Census Report, Central Bureau of Statistic 2011

Disadvantaged Janjati

A. Disadvantaged Janajati: Hills (Magar, Tamang, Rai, Limbu, Sherpa, Bhote, Sunwar, Balung,

Byansi, Gharti/Bhujel, Kumal, Brahmu/Baraum, Pahari, Yakha, Chantal, Jirel, Darai, Majhi,

Danuwar, Thami, Lepcha, Dura, Chepang/Praja, Bote, Gaine, Raji, Hayu, Raute, Kusunda,)

B. Disadvantaged Janajati: Terai (Tharu, Dhanuk, Rajbansi, Tajpuria, Gangai, Dhimal, Meche,

Munda, Santhal/Satar)

C. Disadvantaged Terai: Non-Dalits (Yadav, Teli, Koiri, Kurmi, Sonar, Kewat, Mallah, Kalwar,

Hajam/Thakur, Kanu, Sudi, Lohar, Nuniya, Kumhar, Haluwai, Badhi, Dhangad/Jhangad, Barai,

Kahar, Lodh, Rajbhar, Bing/Binda, Bhediyar/Gaderi, Mali, Kamar, Panjabi/Sikh, Kishan, Koche,

Dhunia, Pattharkatta/Kusdiya)

Religious Minority: Muslim/Churaute

Relatively Disadvantaged Janajati (Newar, Thakali, Gurung)

Annex II - Guidelines for GESI Mainstreaming By AFP Programme Team Working with Partner Institutions

I. Performing a GESI diagnostic

Identify of women, rural poor and DAGs in a key geographical location for introduction of GESI strategy complaint programme activities. Follow the following questions during the assessment:

- Who are excluded, what are the causes of exclusion? - What are the barriers to inclusion dimensions of exclusion? - What is the existing situation of particular excluded group? - What are the barriers in accessing services and opportunities? - What do the current policies say, how do they block inclusion? - What are the structure and processes of the formal institutions? - Is the policy benefiting some individual, groups more than others? - Identify the socio-political and cultural practices of specific location context, environmental

scanning of services to select IPs/SPs and reduce discriminatory practices - Identify the commitment made by the state, state’s existing policies and priorities and field

practices - Identify specific strategic areas for intervention, coordination arrangements, monitoring and

expected results desired at all levels of AFP interventions

II. How to design and plan GESI responsive AFP programme activities? What are the ways to address barriers faced by these groups through interventions?

- What are the institutional arrangements and accountability mechanisms in place to ensure resource allocations, staff incentives to remove the barriers to inclusion?

- Institutional arrangement must establish structures and mechanisms for routine work on GESI by technically competent staff

- Staff diversity in place is important to promote inclusion and cutting down on the dismissive attitude of service providers towards women and excluded groups

- Need to adopt sensitive human resource policies for recruitment, promotion, transfer and performance evaluation

- Need to be mindful of the three domains of change- a) improving value chain financing opportunities for the rural poor, women and Disadvantaged Groups (DAGs), b) supporting more inclusive policies within the charter and mandate of the partnering institutions and counterpart government entities and c) changing the behaviour/mindset when working with implementing partners to design financial literacy initiatives for groups with limited financial knowledge and awareness.

III. Make the evaluation responsive to GESI • What was done to ensure that the GESI perspective was included in programme activities? • Did we select partners who are now GESI sensitive with clear set of policies and priorities? • Did we conduct periodic consultation and workshop with IPs/SPs, GO, I/NGOs personnel

along with the beneficiaries? • Did we apply simplest participatory tools and techniques while designing and conducting

training? • Did we ensure that gender and DAG related indicators were captured in the MIS data base,

and was a regular GESI needs assessment conducted? • Have we developed the implementation capacity of a focal person responsible for GESI

efforts in our implementing partners and counterpart entities?

Partner Dialogue

• Do the partners understand the GESI dimension of the activity? • How does the partner organisation respond to the expressed need to integrate GESI in

programme? Was there anything to be learnt from this collaboration for future dealings with partner organisations?

• Are women involved in the planning and organisation? Are teams gender balanced? Beneficiaries/Target Groups

• Are the identified target groups reached? • In hindsight, do you think the target groups are appropriate? Are there other groups that

should have been included? • Do organization take both women's and men's views into account? • Do women have a chance to express their concerns? • How many women and men do participate in the training options?

What are the results in relation to the integration to GESI?

• How do you think the activity contributed to the promotion of gender equality? • What are the areas that need improvement regarding the GESI in AFP programme?

IV. Prepare a Checklist for Annual Evaluation during review meeting with the following

questions:

- How many partners were trained in the GESI related issues and gender support provision? Are all

of them able to effectively address GESI issues? What are the successes and failures?

- Specify working areas where GESI was incorporated and areas where it was not. Give

reasons.(E.g. objectives difficult to identify, resource persons not available, numbers not equal,

allocated money not enough, partners resistance, etc.)

- What was the impact of the activities and the eventual realisation of GESI objectives?

- How can this be translated in the planning for the coming year?

- Which specific training needs of offices and partner organisations can be derived from the gaps

identified?

Annex III - Perception Survey Form

Note: This survey will be conducted at some stage by AFP field staffs and send to GESI Advisor for further review with the component leads)

Issues and Problems What stories or evidence do we need to look for to illustrate the problem to our audience? (Please write key points and link with the stories mentioned in right column)

Key stories or evidence(Within a single paragraph)

(Please provide information in changed name)

1. Power Relationships

(Unequal power relations at household level impact negatively on women’s ability to seek and access to finance and enterprise development)

What is life like for women? In the family, in the community? Household chores

Community chores

What support do they get? At House Hold level

At community level

How are some women different? Story of successes

Are women helped in women's work? What women can say and can't say to their peers, husband and in-laws?

Stories women having difficult relationships with the family members

Any success stories? Women having seen communications changing attitudes. Where there any success stories, women talking about participation having positive effects?

(Own matters)

(Discussed on household matters), (Discussed on community matters)

Stories about household power relationships preventing access to finance and economic empowerment.

(Stories about women overcoming these problems with support)

What do women say about decision making and its impacts on financial access VCD activities?




2. Engagement and participation of poor and marginalized.

(Low level of engagement of poor and marginalized in community institutions).

(low level of participation in family decisions)

(Women are rarely consulted while making the policy decisions)

What did women, rural poor and DAGs say about their place in society? Positioning, behaviour from the other members of society

Do they feel they are listened to? How? .

Are they more excluded? What do they think about excluded?

Did they talk about being involved or not?

Do other people listen what they say?

Why all women, rural poor and DAGs cannot make decision on their own?

Any stories of women, rural poor and DAGs who are role model of changes, who can make decisions?

Stories about the impact of low literacy in their position and economic empowerment




3. Improving quality, accessibility and accountability of financial services

Quality of services

(To increase the quality of financial services and value chain development)

What did quality mean to them? What do they talk about? (Quality of facility, attitude of staff, privacy, opening hours etc.)

What do they say about the quality of VCD facilities?

What and how was the financial services a barrier to access?

Did all of them report receiving the same treatment, or was some women treated differently?

Are there personnel development plans the service providers wish to have? How do they contribute in effective service delivery?

Accountability and Responsiveness

(Partner representatives, staff do not feel accountable, and

(Were there any positive stories about the staff who were responsive and listened?

(Were there enough policy provisions for the effective service delivery? Why? Why not?)




are not held accountable for the services they have a duty to provide.)

What the staffs say about the cooperation and help from higher authorities and other staff?

What are the motivation levels of service providers?

(Were there responsive job performance such as reward and punishment for the deserving staff? How are they implemented and how often?

(Are they all motivated? Demotivated? Why?)

(How do motivational factors affect the service delivery?)

(How is motivational level of women staff? Do they have feeling of security?

How does community perceive and behave with service providers?

Women staff who were involved in decision-making?

Do women, rural poor and DAGs talk about changes in attitude and behaviour of the staff?

Whether any stories about the attitudes of staff that indicates a lack of accountability?

(Are there any cases that supports/answers the arguments above?)

What service providers say about poor and excluded women and why?

Service providers’ suggestions against discrimination/exclusion practised in service delivery/receiving?

What service provider say about the affirmative action for poor and excluded?




What are the special provisions made for poorest and excluded?

Was everyone equally aware? Who is excluded? What are the implications?

Acceptability

(To increase the acceptability of the services)

Did women, rural poor and DAGs talk about the acceptability of services?

Did the preference for type of provider come up? Women’s experience of services; what did they say? Did they talk about: Female care providers, local and appropriate staff

Do women talk about male and female service providers, what they say?

Do women talk about alternative means of services?

How about equity? Does every woman have the same level of access? Services similarly acceptable to all women?

Are there any evidences (experienced, manifested or heard) of discrimination/exclusion of poorest and marginalised in service delivery?

Are there any positive stories on service providers who significantly contributed to positive results?

Accessibility

(To increase the accessibility of financial services)

(Information barrier)

(Low level of knowledge and access to information impacts

Do service receivers know about services available?

What do women say about the services access?

Do women/girls access entities for loans?




on women's ability to seek and access)

What do women say about awareness in the community regarding the economic activities?

Do all discuss about the potentiality and opportunities at local level?

Physical barrier

(Physical condition (road access, means of transportation and remoteness) impact women to access)

What did women say about transport?

Are there any story of women who had a problem in going to financial service providers?

Are the facilities deemed as remote?

(Financial barrier)

(Finance is major barrier for accessing services)

What financial barriers were mentioned?

Were financial barriers mentioned, are some groups affected more?

What do women say about access to resources, or decision-making? Did many of the barriers to access start in the household?

Who makes important decision on entrepreneurship development?

How people women/men participate in market access?

Annex IV – GESI Plan

Key Activities

Outputs FY 2014/15 FY

2015/16 FY

2016/17 FY

2016/17 FY

2017/18 FY2017

/18 Remarks

Type Unit Dec Jan Feb Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

1. Meeting and consultation at different levels

Ongoing activity

As and when required

2. Establish baseline with partners of participating Women Owned and DAG-owned SMEs (before intervention)

Ongoing activity

As and when partnership forged

3. Develop a GESI 4 day’s trainers’ training manual Report 1

4. GESI indicators finalised and incorporated into Overall M&E Plan)

GESI Indicators 1

5. Across all outputs including challenge fund component, contribute on interventions requiring expertise in issues related to Gender and/or Vulnerable Groups

Ongoing activity

Where and when needed

6. Support to produce Information, Education and Communication (IEC) and Behavior Change Communication (BCC) materials from GESI perspectives

Ongoing activity


7. Provide ToT on GESI to partners and Louis Berger staff Training 20

8. Assessment of CF and other partner proposal from GESI perspective

Ongoing activity

As per requirement

9. Prepare GESI operational guideline on the basis of strategy and field level

Guideline 1

Key Activities


2015/16 FY

2016/17 FY

2016/17 FY

2017/18 FY2017

/18 Remarks


Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

feedback during implementation

10. Orientation to AFP programme staff and Implementing Partners on operational guideline Sessions 9

11. Quarterly Review with PIs (each quarter)/workshop Reviews 15

Jointly organize in different regions

12. Annual perception survey/voice collection by field staff and report preparation by Gender Advisor Survey 4

13. Annual Review based on perception survey and report submitted by the partners

Annual review 4

Link report findings to upcoming planning and policy formulation

14. Review against baseline(From GESI perspectives) Review 4

15. Mid-term evaluation(See the GESI in whole evaluation process) Report 1

16. Final/Programme completion evaluation Report 2

17. Joint monitoring field visits ( with PMU staff)

Ongoing activity 20

18. Event reporting from field offices on GESI and provide technical backstopping to field staff

Input, Ongoing activity

19. Annually assess and update the Gender Workshop 4

Key Activities


2015/16 FY

2016/17 FY

2016/17 FY

2017/18 FY2017

/18 Remarks


Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

Q4

Q1

Q2

Q3

and Inclusion Strategy and measure actual results against goals, conduct lessons learnt workshop

20. Annual report(GESI progress in report) No. 5

21. Annual report publication(GESI progress and lesson learnt) Report. 4

22. Evaluation of Institutional Capacity of PIs in GESI context(If considered for continuation)

Ongoing activity 5

23. Provide inputs on studies, surveys, analyses and reports preparation Input


24. Provide technical support in financial literacy curriculum and training delivery Input


25. Conduct GESI related studies, assessment, analyses and reports preparation Studies 3

Gender Equality and Social Inclusion (GESI) Strategy · financial services in the rural...

Documents

Transcript of Gender Equality and Social Inclusion (GESI) Strategy · financial services in the rural...