This 4 page brief shows how young people are using loans from VESAs to start their own businesses.
Strengthening Community Cohesion
Strengthening Community Cohesion
Lantaa Nur or “togetherness” is the name of a new village savings and loan association (VSLA) in Tabier village in Ghana’s Upper West Region. Group members say the name fits, representing something they never thought was possible. Their VSLA provides not only a platform for collective savings but also a sense of solidarity and space for collective action.
As one of 22 communities targeted by CARE through the four-year USAID-funded West Africa Water Supply, Sanitation & Hygiene (WA-WASH), Tabier’s 44 farming households faced life-threatening problems in their daily lives, including scarcity of clean water and sanitation, food insecurity due to a shortened rain season, and social structures that prevented them from working together to solve local development problems themselves.
By introducing an innovative VSLA approach, the WA-WASH program provided women, men, village chiefs and district assembly representatives the opportunity to unite for the first time to strengthen social cohesion. Weekly VSLA meetings are used as a forum to promote a spirit of volunteerism that encourages members to help one another build latrines, adapt their crop production methods to the changing climate and increase local community-driven funding to sustain those local water and sanitation services they lacked before. Moreover, with additional funds saved through VSLAs, parents can now afford health insurance and pay their children’s school fees.
The VSLA approach was a core component of a deliberate approach to help communities solve their own problems. CARE began WA-WASH in October 2012 with a series of consultations with community leaders and local government representatives to better understand their problems and design a mix of interventions that empower participating communities, including marginalized women, while using locally available resources.
In accordance with Ghana’s “no-subsidy” sanitation policy, CARE used the Community-Led Total Sanitation process to spur communities to action. Orientation sessions led to several “trigger” moments in the 22 WA-WASH communities. Families realized the shameful practice of open defecation had to stop and that building their own latrines was necessary to improve the environment. They began handwashing at home and in schools to prevent sickness. Efforts quickly spread to another seven villages. In less than two years, 1,040 households in 29 communities had constructed latrines without subsidies, meaning they saved money through VSLAs and paid the cost themselves.
CARE also worked with communities to put in or rehabilitate 50- to 90-meter-deep boreholes with hand pumps as nearby clean water sources. Women and girls no longer have to walk several kilometers to the river to fetch dirty water three or four times a day, thus further improving health conditions and freeing up their time to actively participate in other productive activities at home or in school. Partnerships were formed with local men and women through water and sanitation committees that meet every month to ensure community ownership and management of their vital new assets. Moreover, community members, including local latrine artisans, were trained to assume the responsibility for delivering basic services and to ensure long-term sustainability.
“When you are alone it’s difficult to move forward, but that changes when you become part of a group,” says Veronica Bagri, a mother of six and leader of Lantaa Nur. There are five VSLA groups in Tabier, and every household has a VSLA member. “Before, men did all the talking,” Veronica says. “Now, women speak up. We are now part of the community.”
Times have changed, says Saabom Sebastanin, the village chief. “Before, it was hard to mobilize the community to do anything,” he says. “Now, we are implementing our own community action plan. Within three months, every household had a latrine. Doing it ourselves was better than someone else coming in and telling us what we need to do. Before, if a woman wanted something, it led to quarrels. Access to loans through VSLAs and giving women their own land to farm has solved that and reduced quarrels.
“Before, there was defecation everywhere, and we couldn’t garden near our homes,” he adds. “Pigs used to die a lot. Children got diarrhea. Now, we can farm without worrying where to step. Today, our village is clean and united.”
Now that everyone in Tabier realizes the dangers of open defecation, the village protects itself through vigilance and rules. Offenders are sent to the chief and fined 100 cedis ($23). “We’ll seize their motorbike until the fine is paid,” Veronica says. Those payments are added to a collective fund that supports annual borehole maintenance.