Poverty plagues many residents in the East African country of Rwanda. As a result of the deadly 1994 genocide, many female-led households are struggling. To provide for their families, these women are using their small parcels of land for agricultural cultivation. However, it was not until a group of residents in the district of Kirehe founded the Tuzamurane Cooperative in Eastern Rwanda that things changed. Through these efforts, profitable gain could now occur. Tuzamurane has worked to boost incomes by cultivating pineapples, a practice that has supplemented the community and helped combat poverty. By using pineapples against poverty in Rwanda, there is potential for improved quality of life for thousands.
What is the Tuzamurane Cooperative?
Established more than 10 years ago, the Tuzamurane Cooperative emerged to educate women on horticulture and financial literacy. Workers identified pineapples, a locally grown and climate-suitable fruit, as an ideal agricultural crop for local cooperative members to cultivate.
After some members visited a Belgian export convention, inspiration struck to collect community pineapple harvests and market them for both local and foreign sale. After this collection process, the initiative sells these fresh pineapples to locals and exports the dried fruits. Unfortunately, however, local markets pay very little — just 6 cents for a single pineapple.
Community Success and Support
Oxfam, an Irish organization focused on mobilizing people against poverty, joined this cooperative’s efforts in 2015 and helped turn its pineapple production into profit. With Oxfam, Tuzamurane could attain proper facilities like processing equipment, a more thorough supplier base and adequate organic certification. Cooperative members now have access to a broader market with a higher profit margin, which can directly fight poverty in Rwanda.
Tuzamurane, meaning “lift up one another,” is a fitting name for the organization’s mission. For instance, the educational opportunities and market accessibility Tuzamurane provides its members are profound on their own. Yet, its support goes beyond these areas. If a co-op member needs monetary assistance to make ends meet, Tuzamurane readily provides financing. Members pay for this financing interest-free by supplying an equivalent amount of produce. Furthermore, Tuzamurane covers the cost of employees’ health insurance. In these ways, the cooperative protects the social well-being of its members and their families.
The positive impacts of Tuzamurane Cooperative within the community and region are profound. The pineapple farming income has provided members, particularly women, with funds to pay for their children’s schooling and household expenses. They can also invest in their futures by purchasing livestock and more land for cultivation. Additionally, they can hire more labor to help during busy times. Notably, members of the cooperative are no longer part of the lowest income groups. Tuzamurane has made incredible progress in using pineapples against poverty in Rwanda.
Social and Economic Impact
With Oxfam’s support, Tuzamurane finds great success in providing for Kirehe and Rwanda’s greater community. While pineapples may seem like a simple crop, their ability to grow on small land plots makes them easier for women to manage. In this way, the cooperative’s support empowers male and female heads of households alike. Facilitating their escape from poverty and the ability to adequately provide for their families.
With juicy pineapples in tow, the Tuzamurane Cooperative has addressed several needs of those facing poverty in Rwanda. By educating locals on introductory horticulture, providing essential equipment and offering more business opportunities, more than 300 people and their families have escaped dire poverty in Rwanda. With its lucrative business model, this co-op will undoubtedly continue to inspire thousands throughout the region to use pineapples against poverty in Rwanda.
– Eliza Cochran
The post Pineapples Against Poverty in Rwanda appeared first on The Borgen Project.
Original Source: borgenproject.org
Vietnam is one of the most populated Asian countries, with more than 90 million people calling the country home. With such a large population, poverty is unavoidable, especially in the rural parts of the country. Despite the ongoing problem of poverty, rural parts of Vietnam have been able to decrease the amount of poverty with the implementation of certain policies and programs. This article will offer some details of policies and programs helping to alleviate poverty in Vietnam.
Hunger and Poverty Eradication Program
The Hunger Eradication and Poverty Reduction Program, or HEPR, focuses on the children of Vietnam. Children and their families benefit from the program with free health insurance. Additionally, they obtain schooling needs such as tuition exceptions, subsidies and loans designated for children living in poverty. With the aid of HEPR, studies have shown that enrollment in early schooling increases to around 9%. This is beneficial to alleviate poverty in Vietnam and its future since the lack of education is one of the biggest poverty risk factors.
In 2010, nearly 75% of households had members who only completed primary school. Six years later, the number decreased to 57%, which happened with the aid of programs like the Hunger and Poverty Eradication Program of Vietnam. Through the focus of gaining educational opportunities for the future of Vietnam, the Hunger and Poverty Eradication Program of Vietnam has worked to support the process of attaining education.
National Targeted Program for Poverty Reduction
The National Targeted Program for Poverty Reduction, or NTPPR, is a poverty-reduction initiative that uses an anthropological perspective to target ethnic minorities living in poverty-stricken rural areas. Through this targeting, NTPPR gains insight on how to alleviate the amount of poverty in Vietnam, for example. This program aims to reduce poverty by around 4% yearly, which is double the national target. This goal helps with encouraging the decrease in poverty because it sets higher expectations for the program.
Health insurance is one of NTPPR’s biggest priorities and this program provides free insurance for children that are age 6 and younger. This is especially beneficial for women who have to work to sustain their household incomes. Since mothers no longer need to take hours off to tend to their illness-vulnerable children, they receive a great benefit. The NTTPR is beneficial to impoverished rural areas and helps the neediest population to alleviate poverty in Vietnam or its symptoms.
The World Bank Group Country Partnership Framework in Vietnam
The World Bank is a global program that helps to support countries with low-interest rate loans. The World Bank works to improve the farming industry of rural Vietnam by encouraging low-income farmers with profit-making crops. Through helping the economic growth of impoverished areas, nearly 1.5 million people join the Vietnamese middle class annually. Vietnam has since reduced its poverty to nearly 10%. For instance, as of 2016 and in 2018, 70% of people living in Vietnam are income-secure. The World Bank has assisted with Vietnam’s most disadvantaged population through increasing farming productivity, strengthening the skills of farmers and leveling the playing field for all the gain employment opportunities.
Despite the many economic challenges Vietnam has faced throughout the years, programs and initiatives like the HEPR, NTPPR and the World Bank have supported the growth of Vietnam’s economy by downsizing the amount of poverty in rural areas.
– Karina Wong
The post Policies that Help Alleviate Poverty in Vietnam appeared first on The Borgen Project.
Original Source: borgenproject.org
Dairy farming is a competitive business worldwide. Small and large scale dairy farmers alike face similar obstacles—slim margins, a fragile product and a decreasing market. Kenya produces 5 billion liters of milk every year and the dairy industry accounts for 5%-8% of the country’s total GDP. This large proportion of GDP means that innovations in dairy farming offer significant potential to improve the livelihoods of thousands. In light of this economic fact, new industry actors are emerging to transform dairy farming in Kenya.
Finding reliable buyers is a difficult task. In many cases, Kenyan dairy farmers are forced to sell to local traders that pay unfair prices. When the digital scale and supply chain system EASYMA 6.0 was introduced in 2014, however, conditions for dairy producers improved. In collaboration with USAID-funded programs, Kenyan tech agencies developed and deployed EASYMA 6.0 into local communities.
The process of EASYMA 6.0 starts with farmers weighing their milk at designated buyer collection centers. Producers then get an automated receipt as well as an immediate advance. This system ensures that farmers receive fair compensation for the quantity of product they supply. Ultimately, this innovation makes it easier for farmers to earn a fair living wage.
In addition to providing security in payments, EASYMA 6.0 also enhances transparency and record-keeping within the dairy industry. As a result, more than 22,000 Kenyan dairy farmers now have access to farm extension services, financial products and even livestock insurance through EASYMA 6.0.
Mazzi Milk Jug
Although a seemingly small and simple issue, spoiling milk can lead to large losses for dairy farmers in Kenya. Spoiled milk can lead to huge losses, negating much of the hard work performed by farmers. Without viable ways to fix the issue, farmers will continue to lose a valuable part of their product—and, thus, their incomes—every year.
In developing countries, safely delivering milk and dairy products is the hardest challenge farmers face. Small-scale farmers produce 80% of the milk in Kenya. Due to small-scale farmers’ insufficient access to quality storage and refrigeration, a significant amount of milk is spoiled during delivery. This struggle prompted the development of Mazzi, a durable and inexpensive jug that prevents spills and slows curdling.
Traditional jugs, or jerry cans, leave dairy products vulnerable to contaminants that cause spoilage. Additionally, traditional jugs are also fragile and very hard to clean. The Bill and Melinda Gates Foundation worked with Global Good and Heifer International to find one key solution to this issue: Mazzi.
Mazzi is a 10-liter reusable plastic container that prevents spills, limits contamination and is easy to clean. Mazzi has a wide mouth that allows farmers to use two hands during the milking process, ultimately increasing productivity. The invention also has a detachable black funnel that enables farmers to determine whether cows have udder infections, as well as a stackable lid that helps with transport and makes the product easy to clean.
The Mazzi jug will only cost $5, compared to competitors priced around $30. By increasing incomes through improved yields, this inexpensive innovation is transforming dairy farming in Kenya and improving the lives of farmers in the process.
Many farmers rely on the dairy industry to make a living, yet Kenya has not adopted technology to improve yield. MyFugo is a software application that is projected to increase milk production in Kenya by helping farmers monitor their cows in real-time. Allan Tollo, the app’s founder, explains that “the app helps the farmer monitor his cows throughout the day enabling them to tell what time their cow will be on heat for it to be served at the right time.”
The MyFugo technology operates by using a Smart Cow Collar. Farmers place the device on their cows and receive notifications on their smart devices of the exact time their cow is in heat. Farmers can increase milk production by reducing the calving period by more than six months. This innovation eliminates prevents farmers from missing cow fertility dates, decreases calving intervals and lowers feeding and treatment costs.
The app is free to use, but the collar costs $150. Although expensive upfront, animals will produce more calves in their lifetime leading to higher milk production, increased revenues and greater economic stability for dairy farmers in the long-term.
MyFugo has registered 8,000 farmers already and is constantly working to grow its user base. The app can track animals at any location, as well as identify their risk of disease. Farmers also gain easier access to veterinary doctors and loans. With many small farms traditionally lacking access to veterinary care and financial loans, this innovation offers the potential to transform dairy farming in Kenya.
Many farmers are reluctant to embrace new technologies that challenge traditional farming techniques. However, these innovations are steadily transforming dairy farming in Kenya and creating unparalleled opportunities for farmers to earn a successful living. With new technology and easy access to records, dairy farming in Kenya is traveling a new road toward lasting progress. The successful integration of technology in Kenya’s dairy farming industry demonstrates the potential of future innovation in the agricultural industry at large.
– Sienna Bahr
The post Innovations Transforming Dairy Farming in Kenya appeared first on The Borgen Project.
Original Source: borgenproject.org
New Zealand is a small island country situated just southeast of Australia. Its healthcare system is known as one of the best in the world. While there are still improvements to be made, the government of New Zealand has worked to make healthcare affordable and accessible. Here are ten facts about healthcare in New Zealand.
10 Facts About Healthcare in New Zealand
The national government runs New Zealand’s universal healthcare system. This means the government handles the public healthcare system from its budget to the agency that oversees it. This allows healthcare to be free to access, as it is funded publicly through taxes and by the national government. However, the government does not handle the responsibilities for providing health services, leaving this up to regional and private healthcare centers in the system.
New Zealand’s average life expectancy is about 82 years. The nation ranks 15th in the world for highest life expectancy rates. New Zealand’s healthcare system has contributed to the high life expectancy and the country is striving to increase life expectancy even further.
Healthcare in New Zealand is not completely centralized. Instead, it is a mixture of both public and private. However, universal healthcare still exists in the form of public funding. The government provides a universal healthcare package for all residents. If a New Zealander wishes for more benefits or wishes to have non-essential services such as cosmetic surgery, then they must pay for these services themselves.
Compared to most developed countries, healthcare in New Zealand receives more government funding than private funding. Most of the funding comes from taxation. This ensures that the taxes New Zealanders pay is put towards their healthcare services.
The government also provides financial compensation for injuries. The Accidental Compensation Corporation (ACC) is a government agency that works with the national government to provide financial compensation for injuries during work and other events. Because of this, health services for injuries are often free of cost.
Drugs and medicine are not provided by the state under the healthcare system. Instead, private pharmacies and pharmaceutical companies provide medicine to individuals via prescription or over the counter.
Private health insurance is still available in New Zealand. However it only compensates for 5% of health insurance. Nonprofit and for profit non-government organizations offer private health insurance, which is mainly used for elective surgery or to cover cost sharing requirements.
Mental health, cardiovascular diseases and diabetes are the main health concerns in New Zealand. However, the number of physicians, nurses, specialists and dentists are steadily increasing in the country. Moving forward, this could help the nation more effectively tackle these persistent health concerns.
One problem New Zealand faces is a decrease in hospital bed availability. Although New Zealand’s healthcare system is seen as very effective, there are some problems. One of these is the decreasing number of available hospital beds in the country. Although the reason for this is that many elderly patients are shifting to nursing homes and senior centers, this could be a problem in the future especially if the COVID-19 pandemic continues to be a significant concern.
Inequality is also an issue in New Zealand’s healthcare system. Although the healthcare system is effective overall, the indigenous Maori do not have the same access to healthcare as the other residents of New Zealand. This inequality often prevents the Maori from receiving the same care and treatment.
New Zealand has a very effective healthcare system that is able to treat many diseases. However healthcare in New Zealand can still be improved, the most pressing issue to address being inequality. Moving forward, it is imperative that the government of New Zealand continue to support universal healthcare and expand its availability to everyone living in the country.
– Sadat Tashin
The post 10 Facts about Healthcare in New Zealand appeared first on The Borgen Project.
Original Source: borgenproject.org
In 2016, the Unified Payments Interface (UPI) system launched in India. Its goal was ambitious: a level playing field for small businesses and impoverished communities through re-imagined banking. In the midst of a global pandemic that has forced a socially distant lifestyle, UPI has never been more important nor more successful.
UPI’s Humble Beginnings
UPI’s primary purpose was to become an online platform that would eliminate bureaucratic and socioeconomic barriers to financial transactions. The goal was to allow anybody, from small Kickstarter businesses to multinational banks, to have the same access to banking capabilities.
UPI creates a standard set of rules for everybody on the platform—all Indian banks have access. Thus, smaller banks have equal opportunities to reach people as big ones. This goal is feasible due to UPI’s innovative techniques. With UPI, the party collecting money from an individual is decoupled from that individual’s bank account. This allows third-party apps such as Google Pay, PhonePe and Amazon Pay to collect and administer transactions without excess burden to the customer.
UPI makes things even more consumer-friendly by eliminating the need to enter long bank account and routing numbers for transfers. A virtual payment address, a simple username akin to an email address, replaces detailed information.
Finally, it is important to note that UPI serves a myriad of functions in the financial world. Simple peer-to-peer monetary transactions are carried out seamlessly. Advanced maneuvers are also handled with ease, including merging banking features from different banks, micro pensions and digital insurance.
Since its launch, UPI has seen tremendous growth in both users and the number of transactions. Its user base is strong—recent numbers indicate over 100 million users. Its goal is to reach 500 million users by 2022. While this seems ambitious, early critics of the program did not expect UPI to gain the traction it has already.
The novel coronavirus impacted UPI both positively and negatively. During the worst of the lockdown, UPI’s transaction count decreased. People staying at home lowered demand for the platform’s services. However, since May 2020, UPI has boomed in both the number of transactions and the amount of money transferred. The number of transactions grew by 12% in July 2020, with 1.49 billion in the month of July 2020. UPI saw 822 million transactions in July 2019, indicating exponential growth during the last year. Similarly, the amount of money transferred in July 2020 was up to 2.9 trillion Indian Rupees, while July 2019 saw only 1.46 trillion Rupees.
As of July 2020, UPI reports services at 164 banks across India. With service 24 hours a day, seven days a week, UPI is lengthening its reach and its impact on the financial marketplace of India.
Looking to the Future
Looking forward, COVID-19 has provided a new opportunity for UPI and digital banking in general. India wants to decrease the amount of physical currency in circulation, and the pandemic has shown many people the virtues of online banking. For example, young adults wary of infecting their older parents have helped an older generation get on UPI and utilize everything it has to offer.
UPI’s recent boom focuses back to the platform’s original goal: creating an even playing field for all people, regardless of background or socioeconomic status. In 10 or 20 years, it would not be surprising to see all banking conducted virtually. Therefore, it is crucial to create a solid infrastructure that eliminates a system of preferential treatment based on wealth. UPI is helping to fight that fight.
– Evan Kuo
The post UPI in India: Changing Banking for Millions appeared first on The Borgen Project.
Original Source: borgenproject.org