Sunday, June 2, 2019
Friday, October 13, 2017
Enhancing Rural Women’s Access to Relevant Knowledge, Assets, Capacities and Livelihood Strategies
Written by
Christiana Charles-Iyoha
The plight of women as an economically, socially and
politically disenfranchised community in Africa is aptly summed up by Mzee Mwalimu Julius Nyerere when he noted that “Women
in Africa toil all their lives on land that they do not own, to produce what they
do not control and at the end of a marriage through divorce or death, they can
be sent away empty handed”.
Women as a group account for over 70% of people living
in poverty particularly in developing and least developed economies and 50% of
the populace worldwide generally. In
Nigeria, Africa’s most populous country, women form nearly 50% of a population
that is under very heavy pressures from a social organizational pattern that is
inherently unprepared for sustainable development and the socio-economic
transformation of the poor, vulnerable and marginalized peoples, largely
located in the rural areas and peri-urban areas.
Women’s poverty is further heightened by limited or
lack of access to productive resources.
The Food and Agricultural Organization (FAO) recently noted that in
the rural areas where the majority of the world’s hungry live, women and girls
produce most of the food consumed locally.
Their contribution could be far greater if they had equal access to
essential resources and services, including information. Rural women have even less access to
information and technologies than men and are thus at a disadvantage when it
comes to making informed choices about what to produce and how best to market
their products. Lack of information also
limits their influence in their communities and their ability to participate in
decision-making.
Issues of access to productive resources often evoke
issues of power relations and marginalisation.
Women, an already excluded class by reason of customary practices and
religious practices that locate women in families as legal minors subject to
the authority of either the father or the husband in the private sphere are
further excluded from accessing
productive resources, usually located in the public sphere. Patricia McFadden captures this scenario
aptly noting that “Through rituals and
practices that have become euphemistically understood as 'cultural' and
'traditional', women's capacities and abilities to labour and to reproduce are
institutionalized in the patriarchal family as the private property of their
fathers and husbands”.
Emerging from women’s lack of access to productive
resources are far reaching poverty implications as they have to face a narrower
choice of economic options including engagement in high risk behaviour such as
vulnerability to being trafficked for forced labor or prostitution, involvement
in the informal sector with daily harassments, slave labor in export processing
zones and involvement in the global sex tourism industry as victims or
perpetrators of the crime against women and humanity.
Friday, September 29, 2017
Wanted, Grown, Growing and Alive: Forests
Written by Christiana Charles-Iyoha
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| https://www.pexels.com/search/tree/ |
This article addresses the life threatening issue of deforestation in
Africa on account of logging timber for export, conversion of tropical forests
to agricultural land, mining housing and industrialisation.
How to Mobilize Resources for Financial Sustainability: The Business Approach to NGO Management
Written by Christiana Charles-Iyoha
Non governmental organizations are non
profit organizations that most often are donor dependent. Projects, staffing,
quality office space and equipment are largely dependent on the generosity of
donors and where donor generosity stops, the life span of the NGO most probably
comes to an end. Having worked in the sector for close on twenty five years, I
have seen many great NGOs with huge potentials for contributing immensely to
human, national and global development close shop because they could no longer
access donor funds, a function of donor fatigue coupled with dwindling AID and
donor funding. This calls for creative means of achieving financial
sustainability in the sector so that in the long run, NGOs can exist without
donor support. A rather tall dream for people and organizations who are known
as non profits, unschooled in raising cash flow from assets because they have
always being schooled in raising grants and donations. Though a rather tall
dream, what is required is a mental and institutional paradigm shift from donor
dependence to organisation’s cash flow from assets dependence implying that non
profit organizations must learn to build assets. This is critical because
grants will continue to dwindle and donor fatigue will increase. Secondly, you won’t
need to work at pleasing donors; conform to their agenda to work at their pace
at the risk of displeasing your constituency. You will work at your own pace,
follow your own agenda and actually implement projects that are relevant to the
needs of the constituency or communities you serve.
Assets however do not drop from the sky.
Money is required to build and maintain assets. How then do organizations who
do not earn income from business transactions suddenly acquire assets? Several ways if you adopt the business approach
to NGO management. Though NGOs are non
profits, they can also participate in profit making ventures that earn income
for the organization and not the Trustees of the organization. Therefore NGOs
should actively engage in business activities that do not detract from the vision
of the organization but earn and adds income to the organization. This way,
NGOs become social enterprises that both serve their constituencies’ interests
as well as generate income to remain afloat in providing social development
services.
Thursday, April 24, 2014
How to Set Up a Cooperative Society in Nigeria
Written By Christiana Charles-Iyoha
There are different types of cooperatives and they include:
- Primary cooperatives - comprise natural persons.
- Secondary cooperatives – group of cooperatives in a state, for example all the cooperatives in Lagos State under an umbrella.
- Tertiary Cooperatives – the umbrella organization of cooperatives in a country for example, the Cooperative Federation of Nigeria
Primary cooperatives are further sub classified into:
- Multipurpose – is more of a group of companies. They are licensed to invest in any sector of the economy as well as operate as thrift and savings. (I suggest you go for multipurpose so you can carry out practically every legal activity within this platform).
- Thrift and Savings – mobilize savings within members and give loans to members. Some are quite daring as they give loans to non members at higher interest rates all in an attempt to increase the revenue base of the cooperative.
- Agricultural – limited to only agriculture. Usually a group or groups of farmers who come together to leverage agricultural loans.
- Housing – limited to providing housing at affordable rates to members.
Steps
- The cooperative society must have at least ten or more natural persons as members. XYZ that could be you or any interested person plus nine other members for a start.
- The cooperative society must have a name, for example Premium Thrift and Savings Cooperative; the Billionaires Multipurpose Cooperative
- The cooperative society must write a letter of invitation for inauguration to the relevant cooperative office in your area. Thereafter, officers from the Cooperative Area Office will visit your office for the inauguration, depending on the agreed time and date. All members of the cooperative especially the officers to be elected should be at the meeting. In addition to being inaugurated, the members will be educated on how to run a cooperative.
Nigeria’s Informal Financial Services Sector
Written by Christiana Charles-Iyoha
Nigeria’s
informal financial services sector is serviced and fuelled by micro
enterprises, micro entrepreneurs in the informal sector as well as
unemployed citizens who attempt either saving up or borrowing micro
start up capital through this service; maintaining this service to both
build up operating capital and access microcredit when the need arises.
However, insurance is a critical missing aspect in this financial
services sector. Micro businesses like medium and macro businesses also
suffer unforeseen challenges such as fire incidents, loss of goods,
seizure of goods, accidents, robbery, etc.
The
informal sector is the engine of economic growth, an increasing driver
of economic development. An analysis of economic activities in the
informal sector indicates sale of food (raw food materials); cooked food
(mama puts including fruits, vegetables, spices, oils, etc); cooking
utensils, soaps, building materials, cafes, recharge cards, car parks,
mechanics, tailors, fabric merchants, drivers, okada, artisans, schools,
coaching activities, alajo, and a host of other micro economic
activities.
The
informal financial services sector mirrors a people’s determination to
access financial services against all odds. Largely micro, the informal
financial services sector proliferates cities, towns, villages, creeks
and just anywhere you find a commune of Nigerians and anyone living
amongst them.
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