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Promotional Safety Nets and Graduation Models in Bangladesh Workshop Report
BRAC Development Institute with support from WFP convened a day long learning event on promotional safety net programs and graduation models in Bangladesh in September, 2011. The report outlines the primary objectives of the conference, summarising the lessons on what works and what does not and the challenges for graduation models to be sustainable and …
SKS Annual Report 2010-2011
SKS present their annual report for 2010- 2011. The report outlines the progress SKS has made with their educational initiatives and the ultra poor graduation pilots in Andhra Pradesh and Orissa, India. The full report can be downloaded below.
Pakistan Baseline Results Presentation
Innovations for Poverty Action (IPA) presentation on the Pakistan Graduation Program’s baseline data. Lalchand Luhana, IPA, recently blogged on the Community of Practice on the baseline survey results.
Yemen Graduation Program Overview
For an overview of the Yemen CGAP- Ford Foundation Graduation Program and associated research activities.
Ethiopia Graduation Pilot Exposure Visit to India
In December 2011, representatives from the Ethiopia Graduation Pilot visited two Graduation Pilots in West Bengal, India implemented by Bandhan and Trickle Up. The report outlines their visit to both organisations and their reflections on the programs.
Ethiopia Baseline Results Presentation
Sana Khan from IPA presented on baseline survey findings on the Ethiopia Graduation Pilot, at the Ethiopia National Workshop in Addis Ababa on October 12, 2011.
Estadísticas descriptivas de la línea de base del Modelo de Graduación de la Extrema Pobreza en Cusco, Peru (Spanish)
This report in Spanish summarizes the finding of the baseline survey at the Peru Graduation Pilot that Innovations for Poverty Action (IPA) administered to the 2420 households between July and October, 2010. The baseline study included household, individual surveys and village-level surveys.
Descriptive statistics from the Extreme Poverty Graduation Program baseline in Cusco, Peru (English)
This report summarizes the finding of the Peru Extreme Poverty Graduation Program baseline survey that Innovations for Poverty Action administered to the 2420 households between July and October, 2010. The baseline study included household, individual surveys and village-level surveys.
IDS Research Report- ‘Productive Safety Nets for Women in Extreme Poverty: Lessons from Pilot Projects in India and Pakistan’
Summary Conventional government schemes and microfinance interventions have struggled to reach the poorest people and help them escape the confines of extreme poverty. In response, BRAC, Bangladesh’s largest non-governmental organisation (NGO), developed an innovative approach that combined livelihood creation, financial services and safety nets in order to ‘graduate’ participants out of extreme poverty and toward …
World Bank Learning Forum in Pakistan on Reaching the Poorest: Lessons for and from Graduation
On October 06, 2011 more than fifty delegates gathered in Islamabad to participate in the World Bank’s Learning Forum on ‘Reaching the Poorest: Lessons for and from Graduation’. The Forum brought together a dynamic group of representatives from the federal and provincial governments, development practitioners, academia, and development partners to discuss the requirements of a …
Ethiopia National Workshop Agenda
In October, 2011 Relief Society of Tigray, BRAC Development Institute and The MasterCard Foundation convened a workshop in Addis Ababa, Ethiopia to bring together donors, policy makers and practitioners working on issues of extreme poverty in Ethiopia.
How Can Microfinance Programs Help the Struggle Against Social Problems Such as Begging, Child Labour, Prostitution, Violence Against Women, Criminiality, Gangs and Drug Addiction?
William O. Maddocks, SMDP Co-ordinator at the Carsey Institute, University of New Hampshire commisioned working paper for the 2011 Global Microcredit Summit.
Ultra Poor Graduation Pilots: Spanning the Gap between Charity and Microfinance
The ultra poor Graduation pilots modeled after BRAC’s Targeting the Ultra Poor program are currently being replicated and evaluated in eight countries as part of the CGAP-Ford Foundation Graduation Program. By offering a holistic set of services designed to help families meet basic consumption and health needs, adopt new livelihood activities, and engage in financial …
Targeting the Poorest: A Solutions for the Poorest Use Case
Targeting and selection of populations based on poverty levels can be a powerful first step to achieving greater social impact in development programs. The multifaceted and contextual nature of poverty often leads to targeting processes that although accurate, are extremely customized for particular areas, making it difficult to compare across projects and geographies and very …
“And Who Listens to the Poorest? Shocks, safety nets, and stresses in India and Pakistan
Conventional government schemes and microfinance interventions have struggled to reach the poorest people and help them escape the confines of extreme poverty. In response, the Bangladesh Rural Advancement Committee (BRAC) experimented with an innovative approach that combined livelihood creation, financial services and safety nets in order to ‘graduate’ participants out of extreme poverty and towards …
‘Productive Safety Nets for Women in Extreme Poverty’
This paper focuses upon two Graduation Programme implementations – one by Trickle Up in West Bengal, India, and the other by Orangi Charitable Trust (OCT) in Sindh, Pakistan. We use the ‘critical moments’ framework developed in Kabeer (2008) to understand the conceptualisation of this project in response to a particular set of constraints (and opportunities), …
Graduating out of extreme poverty: who succeeds?
In spite of starting out from a similar context of extreme poverty and receiving the same basket of inputs, why have some individuals managed to flourish, while others have stayed stuck in a cycle of extreme deprivation? What are the factors and characteristics that influence individual success or failure? This research brief attempts to answer …
PPAF Livelihoods Programme Implementation Manual
The objective of this manual is to assist and guide the PPAF team and staff of partner organizations involved in implementation of Livelihood Enhancement and Protection Component of PPAF-III about the methodology and practical details for implementation of this component of PPAF –III. More ressources are available on: http://www.ppaf.org.pk/What_We_Do_detail.aspx?component_id=1
SKS Newsletter, June 2011
Update from SKS on their activites during May- June, 2011 SKS Newsletter, June 2011
Final Results from Trickle Up Client Monitoring System: Program Sustainability
Trickle Up has been tracking their participants for a full year and the results are analysed in this report. They shed light upon programmatic outcomes, and as the last 2 months of data collection were after members graduated, they also reveal sustainability of programme results. Some of the key highlights reveal that from July 2009 …
Article in French on Reaching the Poorest: Lessons from the Graduation Model
The Microfinance Gateway’s French platform’s “Monthly Spotlight” features a summary of Reaching the Poorest: Lessons from the Graduation Model, Focus Note n°69, CGAP. To read the full article in French please sees: http://www.lamicrofinance.org/content/article/detail/28751?PHPSESSID=9b296cdbece703bdce141a567dfde245
Impact Assessment (RCT) Findings to Date
GLOBAL MEETING ON REACHING THE POOREST CGAP-Ford Foundation Graduation Program March 23-25, 2011 World Bank Office, 66 Avenue d’Iéna, Paris, France
BDI Qualitative Research Findings to Date
GLOBAL MEETING ON REACHING THE POOREST CGAP-Ford Foundation Graduation Program March 23-25, 2011 World Bank Office, 66 Avenue d’Iéna, Paris, France
BDI Story of Extreme Poverty
GLOBAL MEETING ON REACHING THE POOREST CGAP-Ford Foundation Graduation Program March 23-25, 2011 World Bank Office, 66 Avenue d’Iéna, Paris, France
IPA Baseline Findings Presentation (Nathanael Goldberg)
GLOBAL MEETING ON REACHING THE POOREST CGAP-Ford Foundation Graduation Program March 23-25, 2011 World Bank Office, 66 Avenue d’Iéna, Paris, France
Graduation Program Overview Presentation (Syed M. Hashemi and Aude de Montesquiou)
GLOBAL MEETING ON REACHING THE POOREST CGAP-Ford Foundation Graduation Program March 23-25, 2011 World Bank Office, 66 Avenue d’Iéna, Paris, France
Global Meeting on Reaching the Poorest Agenda (March 23-25, 2011)
AGENDA: GLOBAL MEETING ON REACHING THE POOREST CGAP-Ford Foundation Graduation Program March 23-25, 2011 World Bank Office, 66 Avenue d’Iéna, Paris, France
Reaching the Poorest: Lessons from the Graduation Model
Microfinance is about extending financial access to poor and excluded people. However, apart from a few notable exceptions, microfinance has not typically reached extremely poor people–those at the lowest level of the economic ladder. The majority of the world’s estimated 150 million microcredit clients are thought to live just below and, more often, just above …
Targeting the Ultra Poor, India: An Impact Assessment. October 2010 Draft.
This draft study (October 2010) presents early results from the randomized controlled impact assessment at Bandhan. According to the draft study, households who participated in the program have experienced an increase in consumption, they save more than the control group, and have improved their knowledge and attitudes towards social and health issues. However participation in …
Graduation Model Graph
The graduation model is built on five core elements: targeting, consumption support, savings, skills training and coaching, and an asset transfer.
Targeting Documentation: Steps for Identifying the Ultra Poor for Fonkoze’s CLM Program
Fonkoze’s targeting approach incorporates a strong participatory ethic, where the community themselves play an integral role in selecting the ultimate beneficiaries. This combines programmatic and local streams of knowledge, where various perspectives are combined to ensure proper targeting of the ultra-poor. This bottom-up approach involves the following main stages: determining a target area, engaging with …
Final Results from Trickle Up Client Monitoring System
BRAC Development Institute has worked with some of the CGAP-Ford Foundation Graduation Program pilots to implement a client monitoring system (CMS) to regularly track how participants’ are performing. Trickle Up, one of the implementing organisations in West Bengal, have been tracking their participants for a full year and the results are analysed in this …
Impact and Innovation Conference 2010: Heralding a new era of microfinance innovation and research?
James G. Copestake writes on Microfinance “Impact and Innovation Conference 2010: Heralding a new era of microfinance innovation and research?” in Enterprise Development and Microfinance Vol. 22 No. 1 March 2011. Pages 19 and 20 are on the Graduation Program. See section “Targeting the ultra-poor through asset-transfer programmes”
Global Meeting on Reaching the Poorest: Meeting Minutes
Global Meeting on Reaching the Poorest: Meeting Minutes
First Chemen Lavi Miyò Graduation Ceremony Video
This video shows the Chemen Lavi Miyò Graduation Ceremony in Haiti.
Targeting Efficiency: How Well Can We Identify the Poor?
This study evaluates the targeting efficiency of the Bandhan Targeting the Hard Core Poor program in comparison with various assistance programs in India.
Cost-benefit Analysis of BRAC CFPR
This paper presents a cost-benefit analysis of the first cohort (2002-03) of selected ultra poor (SUP) households of Bangladesh Rural Advancement Committee’s (BRAC) Challenging the Frontiers of Poverty Reduction program (CFPR). The analysis calculates program benefits using primary data collected through a set of surveys. It measures benefit as the increase in expenditure on food …
A Graduation Pathway for the Ultra Poor: Lessons and Evidence from a BRAC Programme
This paper describes BRAC’s approach to create a graduation pathway for the ultra poor. The ultra poor are caught in a below-subsistence trap from which it is difficult for them to break free using available resources and mechanisms. Time is not an ally for the ultra poor, as things generally do not get better for …
Overview Handout of CGAP-Ford Foundation Graduation Program
This overview handout has basic facts about each pilot and outlines the Graduation model.
Graduation Film: Documenting “Pathway to a Better Life” in Haiti
CGAP produced film about Chemen Lavi Miyò, Fonkoze’s program that uses the graduation model to reach women living in extreme poverty in Haiti. The film follows case managers in Haiti’s central plateau as they work with new members of Chemen Lavi Miyò, (the Creole name for the program means “Pathway to a Better Life”).
Graduating the Poorest into Microfinance: Linking Safety Nets and Financial Services
Microfinance—or formal financial services for the poor—helps people fight poverty on their own terms, in a sustainable way. Poor people use loans, deposits, and other financial services to reduce their vulnerability, seize opportunities, and increase their earnings. Indirectly, microfinance improves schooling, health, and women’s empowerment. In most settings, however, microfinance does not reach the people …
Creating Pathways for the Poorest: Early Lessons on Implementing the Graduation Model
People at the very bottom of the economic ladder are often excluded, or exclude themselves, from microfinance. Their income is usually too low and unreliable to permit repayment of loans or investment in anything but basic food consumption. In some countries the very poor are served by safety net programs, which usually take the form …
The Graduation Project: Sustainable Livelihoods Initiative for the Poorest
Linking safety nets and livelihood training to financial services This paper describes the Trickle Up Graduation Pilot launched in West Bengal, India in 2006. The CGAP-funded project sought to enable 300 women to start sustainable livelihood activities, establish savings groups, and eventually link with banks offering loans to enable their families to graduate out of …
Mid-term (12 month) Trickle Up India TUP Process Evaluation: CGAP-Ford Foundation Graduation Pilot
Presenting a new approach to poverty alleviation This paper evaluates the processes of Trickle Up’s Targeting the Ultra Poor (TUP) program, a multi-pronged livelihoods promotion and social protection scheme designed to uplift extremely poor women in rural West Bengal. Implemented by CGAP and the Ford Foundation, Trickle Up paired with Bandhan, an MFI and Human …
Results from Ultra Poor Program Client Monitoring System Implemented by Trickle Up in West Bengal – January through December 2009
Uplifting extremely poor households to a higher socio-economic level This paper presents results from Trickle Up’s (TU) Targeting the Ultra Poor (TUP) program implemented in West Bengal, India. Conceptualized and implemented by CGAP and the Ford Foundation, this program is an adaptation of Bangladesh Rural Advancement Committee’s TUP program. The program provides extremely poor households …
Who are the Ultra Poor? Descriptive Statistics from Baseline Survey of SKS-UPP
Mapping socio-economic and demographic characteristics of clients This paper presents results of a baseline survey conducted on 1066 households in the Medak district of Andhra Pradesh, India. Households were selected based on their eligibility to receive a particular asset transfer intervention. The study grouped the data into treatment, control and dropout categories. Descriptive statistics for …
Mid-Term (12 Month) SKS Ultra Poor Process Evaluation
SKS’s Ultra Poor model implemented in Andhra Pradesh CGAP and the Ford Foundation have been partnering since 2006 to explore how safety nets and livelihood training can be linked with financial services to create pathways for the poorest out of extreme poverty. The Swayam Krishi Sangam (SKS) Foundations’ Ultra Poor Program (UPP) in rural Andra …
SKS Ultra Poor Midterm (12 Month) Process Evaluation- Summary Findings
This is a two-page summary of the mid-term evaluation of the Ultra Poor Program (UPP) implemented by the Swayam Krishi Sangam (SKS) Foundation in rural Andhra Pradesh, India. The program aims to bring ultra-poor women to a point where they can use their existing savings and assets base to grow and diversify their capital base, …
Results from Ultra Poor Program Client Monitoring System Implemented by SKS in Andhra Pradesh – September 2008 through June 2009
Creating pathways out of extreme poverty for the poor This paper presents results from Swayam Krishi Sangam’s (SKS) Ultra Poor Program (UPP) implemented in the Telangana district of Andhra Pradesh, India. Conceptualized and implemented by CGAP and the Ford Foundation, UPP is an adaptation of Bangladesh Rural Advancement Committee’s Targeting the Ultra Poor program. The …
Overcoming Extreme Poverty in India: Lessons Learnt from SKS
Mainstreaming development interventions for the most marginalized This paper examines reasons for the success of Swayam Krishi Sangam’s (SKS) Ultra Poor Program (UPP), focusing specifically on reasons why the program was more effective than government-run poverty alleviation programs. The UPP operated with the belief that income generation is the key to breaking the cycle of …
Ethiopia Graduation Pilot Value Chain Analysis
This is the value chain analysis developped for the CGAP-Ford Foundation Ethiopia Graduation Pilot. This report details the results of a value chain analysis for several livelihood options offerd by Kilte Awlaelo/Wukro Wereda, Tigray, Ethiopia: beekeeping, dairy, vegetables (tomatoes), and shoats (sheep and goats). The report details how to incorporate sector assessment/selection and enterprise development …
Pakistan Graduation Handout
This handout provides an overview of the five pilots in Pakistan.
Fonkoze Chemen Lavi Miyo Graduation Indicators
Indicators to assess pilot program targeting ultra-poor families Chemen Lavi Miyo (CLM) is Fonkoze’s program for the ultra-poor. The program is supported by Fonkoze partners: Concern Worldwide, CGAP, Ford Foundation, Zanmi Lasante, BRAC, and Plan International. For an 18-month period during 2007 and 2008, the pilot program served 150 families in 3 zones in Haiti. Ninety-five …
Fonkoze 2009 Social Performance Report
Helping clients climb out of poverty This 2009 Social Performance Report analyzes data on Fonkoze’s institution-wide social performance. Fonkoze works to fight rural poverty in Haiti by providing clients, mostly women, with access to financial and educational tools. The 2009 report is based on client interviews, focus group discussions and exit interviews. The report states …
A Graduation Pathway for Haiti’s Poorest. Jun 2009, Huda, K. & Simanowitz, A.
Helping extremely poor households build sustainable livelihoods This paper explores the effectiveness of Fonkoze’s sustainable livelihoods program and its implications for the lives of Haiti’s poorest people. In response to the lack of sustainable livelihoods, Haiti’s largest MFI, Fonkoze, provided extremely poor households with a series of protective and promotional inputs for 18 months to …
Chemen Lavi Miyo- Midterm Evaluation. 3 Jul 2008, Huda, K. & Simanowitz, A
Examining outcomes and project implementation from CLM members’ perspective This report presents an evaluation of Fonkoze’s Chemin Levi Miyo Program (CLM) using quantitative and qualitative methods. The CLM project was designed to tackle extreme poverty in Haiti. It aimed to provide poor rural women with assets for entrepreneurial use, heath services, housing support and a …
Chemen Lavi Miyo- Midterm Evaluation Summary of Results. 2008, Huda, K. & Simanowitz, A.
Examining outcomes and project implementation from members’ perspective This paper evaluates Fonkoze’s Chemin Levi Miyo Program (CLM) that was designed as an intervention to tackle extreme poverty in Haiti. The evaluation also formulates recommendations for the program. Haiti faces extreme poverty with 49 percent earning below US$ 1 per day. In response to Haiti’s complex …
Chemin Levi Miyo: Final Evaluation. Mar 2010, Huda, K. & Simanowitz, A.
An evaluation of this pilot project over a 24-month period beginning June 2007. Chemen Lavi Miyo (CLM)—or Pathway to a Better Life in Haitian Creole—is a program implemented by Fonkoze for the ultra-poor, in partnership with Concern Worldwide, Plan International, and Zanmi Lasante. CLM was piloted over a period of 18 months (June 2007 – …
Bandhan Targeting the Hard Core Poor Program Overview
This two-page document provides an overview of Bandhan Targeting the Hard Core Poor Program.
The Test of Poverty Film – Trickle Up
The Test of Poverty follows two women living in extreme poverty in West Bengal, India, as they participate in Trickle Up’s program and work to change the effects that generations of poverty have had on their families’ lives. The film shows that addressing the needs of the ultra-poor –those living on less than $1.25 day– …
