“This is my decision” – Story of an independent business woman inspires others in Somaliland
Naciima found her way to make her dreams come true while attending to FCA’s Technical and Vocational Education Training.
WHAT DOES an independent businesswoman look like?
Naciima, who recently graduated from Technical and Vocational Education Training (TVET) programme, is a perfect example. She lives with her family of eleven in Gacan Libaax in Somaliland. They have a very limited income and her father, though he struggles to pay her school fees, has always encouraged her to find something she is passionate about.
“After deciding to drop out from the university, I put my entire focus on the training that I was getting. It was sensational and the most skillful experience I have ever gotten before,” says Naciima, who joined the Finn Church Aid’s TVET program recently.
She got to know about the course from one of her friends who went to the Horn of Africa Voluntary Youth Committee TVET Center. When deciding to apply, she says she felt at peace.
“My dream has always been to design clothes – coming up with ways to make them look fashionable. It was a dream come true when I found out about the training and I immediately joined without consulting my family. However, afterwards I told them about my decision.”
“Without the training I would not have become the woman I am today”
Naciima says that she gained skills from the tailoring course, including how to start business and practical tailoring skills. During the training, she was inspired by two things. Firstly, the way to come up with new designs and, secondly, the profits she could be make, especially since tailoring skills are in demand the country.
Naciima has become an advocate for TVET and wants to explain the benefits of it and how it leads to profit making.
“Without the training I would not have become the woman I am today – a business woman, an independent woman, and career-oriented individual.”
After graduating from the program, Naciima and the other graduates, received business start-up grants and equipment that helped her to start a business that could also support her family. Her idea was to start a tailoring shop that produces fresh looks in women’s clothing. She knew that the majority of ladies in Somaliland liked to wear tailored clothes and knowing her market helped her come up with her designs.
High hopes for the future
Within the first three months, the business was booming and made a decent profit. She hopes that in future she can support her family even more. At the moment she supports family in other ways than just financially – she makes clothes for her younger siblings. Some of her earning go into servicing her machines but her support for her family motivates her siblings and helps them to believe that they too can start a business and support the family in future.
Naciima is optimistic about the future and dreams of hiring more people for her business to meet the growing demand. This woman, who had waited to be supported by her family, has now become the one who supports them.
“I am able to save the money; average $100–150 in month,” she says. This is what a successful businesswoman looks.
Worst drought in forty years and aid cuts causehunger for millions in East Africa
The worst drought in forty years is hitting East Africa, pushing many in the region to the brink of famine. Despite the situation, governments across the Europe, including Finland, are cutting funding from development budgets and reallocating it to Ukraine. Tackling one crisis at the cost of another is not a sustainable solution.
IN KENYA, an assessment conducted by Finn Church Aid (FCA) revealed that some main water sources – rivers, boreholes, water pans and shallow wells – have insufficient water for both humans and livestock. Many boreholes are already dry, forcing people to travel over seven kilometers to collect water. Almost one million head of livestock have died in Garissa county in Kenya.
In Somalia, armed clashes, terrorist attacks, growing prices of food commodities are increasing the hardship caused by the drought.
“Aid actors are afraid that violence is making access to hard-to-reach communities even more limited, even to assess what the needs are, and we fear the worst,” said Ikali Karvinen, FCA Country Director, Somalia.
Climate change is a man-made crisis
FCA is assisting people in Kenya and Somalia with cash transfers, particularly to families without adult members or those headed by pregnant or lactating mothers, which will allow these people to buy food until the rainy season. However, the World Food Programme reports that 13 million people are facing acute food insecurity and severe water shortages in East Africa.
“This is another man-made crisis, just like Ukraine, except that the cause of the drought is climate change,” said Jouni Hemberg, Executive Director, FCA. “Those of us who still remember the famine in Ethiopia in the ‘80s are haunted by it. This is a similar event across a larger scale, but we have the means to prevent the suffering that the ‘80s famine caused.”
“I have eight children. This drought has affected my family greatly. There are days we go without eating. Life is tough here. Sometimes the food we get here is rice and beans”, said Fatuma Garane, a widow from Balambala, Garissa County, in Kenya. PHOTO: BRIAN OTIENO/FINN CHURCH AID
While climate change is increasing the frequency and severity of weather events, the funding needed to aid those who suffer is decreasing. Simultaneously, governments in Europe are reallocating funding to Ukraine. In 2017, 10% of development funding from Finland was spent on humanitarian programmes. In 2022, it is anticipated to be only 7% with the Finnish government planning to further slash aid levels for 2023.
Tackling one crisis while increasing instability somewhere else is not a sustainable solution. Concurrently these decisions seriously harm the relations created with developing countries.
“Developed countries, those who are largely responsible for climate change, must take responsibility for this. We must help those who are suffering because of it,” said Hemberg.
Seeds of new life for those who lost everything in Haiti earthquake
Rebuilding has been slow, following the earthquake that hit Haiti in August 2021. Distribution of seeds and saplings improve food security and help people make a living.
IN AUGUST 2021, a devastating earthquake shattered the lives of tens of thousands of families in southern Haiti. The UN estimated in the autumn that in the regions worst hit by the destruction, Grand’Anse and Nippe, more than 650,000 people were in need of immediate disaster relief.
Due to challenging circumstances, rebuilding has been slow. The Haiti relief operation has been complicated not only by the devastation caused by the earthquake but also by criminal gangs seeking to benefit from the chaos in the region.
In cooperation with its German partner Diakonie Katastrophenhilfe (DKH) from the ACT Alliance, and the local organisation Fondation Nouvelle Grand’Anse (FNGA), Finn Church Aid’s work in Haiti includes supporting a training focused on farming methods in Haiti, in addition to distributing seed packets. In 2021, 813 people participated in the training, and 810 farmers received packets containing material needed for growing produce such as yams and peppers. The aim of the project is to reach 1,000 people through the training, and to distribute farming assistance to 1,000 farmers.
In addition, families have received assistance in cash, enabling them to buy plantain cuttings from local farmers. Selling cuttings promotes the local economy and supports the livelihood of the farmers while growing plantains for food also helps families.
Mother of five Augustin Magalite picked up seeds and saplings for her garden, in order to secure the livelihood of her family. Photo: DKH
Seeds help to make a fresh start
One of the people picking up the seeds to make a fresh start was mother of five Augustin Magalite, 47. The autumn was a sad time for the family. Magalite’s spouse had recently passed away, and her cousin disappeared in the August earthquake while in the yard at home. The son of another cousin was shot, and was seriously injured. Even one of Magalite’s children was hurt during the earthquake.
Life suddenly became rough, and there was a shortage of everything.
“Without this assistance, we wouldn’t be able to grow anything in our garden this year. All my money went to the funeral of my spouse, who died in the autumn. This arrived just in time, like a breath of fresh air,” says Magalite after receiving seeds and saplings to secure the family’s food supply.
The Magalite family is no stranger to devastation caused by natural disasters. In 2016, Hurricane Matthew hit Haiti and took their home. Rebuilding their life is all too familiar.
“Now I can grow food for my children and sell some of the crops in order to earn money.”
After the earthquake took everything, a garden of one’s own provides a livelihood
Life has also been hard for Marie Milianne, 53. Like Magalite, the widowed mother of five rebuilt her life after the 2016 hurricane. Her house was almost completed when she lost it in the August earthquake. Unlike Magalite, Milianne says that she has received disaster relief in the form of hygiene supplies and shelter.
For Milianne, who supports herself by farming, having a garden of her own is a necessity. She tells us that she shares her farming expertise with others who have received seeds and saplings as relief, and soon she hopes to have saved enough money to be able to buy livestock.
Farmer Dieudonné Victorin, along with his donkey, picked up seeds and saplings distributed to victims of the earthquake. He believes that they will help him secure a better livelihood for his family and allow him to help others as well. Photo: DKH
Farmer and father of four Dieudonné Victorin, 54, lost both his home and his brother in the August earthquake. In the autumn, an emergency shelter set up in the neighbour’s yard has served as home for the family.
“I’m sowing these seeds to grow crops with which I can also help my sisters and brothers,” says Victorin.
As a professional farmer he believes that the seeds he received as relief will provide good crops. Still, he also hopes to receive assistance in cash, which he could use to buy the supplies that his family needs.
Finn Church Aid has supported the Haiti relief operation from its disaster fund. A total of 200,000 euros has been allocated to the operation.
To provide immediate emergency relief in the Grand’Anse region in Haiti, FCA’s partner organisations DKH and FNGA have already provided 1,005 families with shelter serving as housing, as well as basic food products. An additional 1,005 families have received hygiene supplies. Relief distribution continues in the region, and 1,000 families are provided with cash assistance allowing them to buy necessities such as groceries or equipment used for rebuilding.
In addition to cash assistance, 16 local loan groups granting microloans are set up in the region. These microloans are used to support the livelihood and survival of 16,500 people after the earthquake.
Text: Elisa Rimaila Translation: Leena Vuolteenaho
Somaliland tailoring students graduate with flair in their homemade gowns
The students, majority of them women, accepted their qualifications in professional tailoring and garment design.
70 PROUD WOMEN and men graduated from our latest vocational training course in Somaliland in early December. The students, majority of them women, accepted their qualifications in professional tailoring and garment design at a ceremony in Maansoor, as their friends and family watched.
The course was part of a vocational training project funded by FCA and implemented by the General Assistance and Volunteer Organization (GAVO) and the Horn of Africa Voluntary Youth Committee (HAVOYOVO).
Suhur Yusuf, a young and talented graduate, spoke about how the course changed her life, sporting her handmade gown.
“On the day of my university graduation, I nearly spent USD 200 on the graduation outfit, but today I spent just USD 10 on the dress, which I tailored with my own hands. ”
Every student tailored their own gown in an incredible display of how much they’d learned on the course.
“Aside from these stunning dresses, what strikes me is how you blended colors to create a really attractive ensemble, demonstrating how our efforts are fruitful,” said Sahra-Kiin, an FCA representative.
Tailoring and garment design course was part of a vocational training project funded by FCA and implemented by the General Assistance and Volunteer Organization (GAVO) and the Horn of Africa Voluntary Youth Committee (HAVOYOVO). Photo: FCA Somalia
Sustainable livelihood skills for the future
In addition to the students’ families and friends, the ceremony was attended by high level guests, such as Abdirashid Ibrahim, Director of Ministry of Employment and Social Affairs.
“I’d like to express my heartfelt gratitude to the Finnish government, which is not only sponsoring this project but also many other development initiatives to support the Somaliland Government’s Development Plans, ” he said.
Also in attendance were Ahmed Omar and Abdillahi Hassan, Executive Directors from GAVO and HAVOYOCO, who welcomed guests and explained to the audience the unique nature of this particular course wasn’t confined to the beautiful garments on display. They celebrated that an outstanding 46 students working in 12 groups had been chosen for start-up grants, while the others receive toolkits to help with their own businesses.
Finally Qani Abdi, a representative of the Somaliland private sector discussed the importance of tailoring skills and gave a taste of how the graduates could turn their skills into a profitable business in the future. “I am impressed by the designs you have displayed. That tells the advanced training you have received. ”
Drought and famine threaten the lives of 60 million people in East Africa
Somalia, the northern parts of Kenya and southern Ethiopia are the areas worst affected by a drought that has caused a prolonged hunger crisis.
AN EXTENDED drought has led to a major humanitarian crisis in East Africa, particularly in parts of Somalia, southern Ethiopia and northern Kenya. Meanwhile South Sudan, which has been suffering from a bad drought for a long time, is flooded.
Since autumn 2020, seasonal rainfall in the Horn of Africa has been delayed three times. The underlaying causes are climate change and the La Niña event which cools down seawater in the Pacific Ocean. The current drought is expected to continue well into spring 2022.
Children are at particular risk
In November, the World Food Programme (WFP) warned that famine would threaten nearly 60 million people in East Africa. Save the Children said in early December that this year hunger had caused the deaths of an estimated 260,000 children under the age of five in East Africa. Without emergency humanitarian assistance, this figure is expected to increase.
This December, more than 1.7 million children under the age of five suffered from acute malnutrition and 213,000 children in the same age group suffered from severe malnutrition in Kenya and Somalia alone.
Drought endangers livelihoods in areas that are already vulnerable, and children’s schooling may be interrupted due to illness and poor nutrition.
Bones of dead animals scatter the roadside half an hour away from Lokichar, Turkana, Kenya. Many pastoralists have lost their livestock like goats, camels, cows and sheep to drought. Photo: Tatu Blomqvist / Finn Church Aid
Hunger weakens the immune system
Risto Härmä, Head of Humanitarian Assistance for the Middle East and East Africa at Finn Church Aid (FCA), says that as prolonged starvation weakens the immune system, people are exposed to various infectious diseases. For young children, ordinary diarrhoea becomes deadly when their body is already exhausted and proper treatment is not available.
“Drought-affected areas are very remote and the journey to the clinic can be very long, if not impossible,” says Härmä.
Treatment at a medical clinic is needed for people whose bodies are no longer able to consume ordinary food after prolonged malnutrition, even when it is available.
Hunger threatens Somalia again
Somalia suffered a bad famine in 2011 when more than a quarter of a million people died of starvation, half of them young children. There are fears that a similar disaster is about to happen again.
“Here in Somalia, more than 80 per cent of the country has been exposed to either a very severe or moderate drought,” says Ikali Karvinen, Director of FCA’s Country Office in Somalia.
Drought has the most perilous consequences on those living in rural and remote areas, where people earn their livelihood from farming and raising livestock. When animals run out of grazing lands and water, people also face an increased risk of famine.
“One fifth of the population lives in areas suffering from severe water shortages. It is estimated that by the end of 2021, the food security of 3.5 million people may be threatened,” says Karvinen.
State of emergency declared in parts of Somalia
A state of emergency has been declared in some Somali states due to the drought. The crisis has caused a sharp rise in prices, undermining the purchasing power of Somalis. An acute shortage of cash has forced some people in need of money to make quick decisions, such as selling their livestock.
“This is going to be a prolonged crisis. At the moment, it doesn’t look good,” says Karvinen.
Finn Church Aid receives funding from the European Commission’s Directorate-General for European Civil Protection and Humanitarian Aid Operations (DG ECHO) for an education and training project that aims to keep children in school in the face of a complex crisis. The humanitarian disaster in Somalia has been exacerbated by the Covid-19 pandemic, the protracted terrorist threat and the Somali government’s poor ability to provide basic services to citizens.
Ugandan youths and refugees trained in Business and Vocational Skills
Finn Church Aid with partner Enabel has provided Ugandan and refugee youth in Palorinya settlement with necessary business understanding and vocational skills to find opportunities for sustainable livelihoods.
The war in South Sudan forced Alex Lojuan, 27, to flee his home and settle in Palorinya Refugee settlement, located in Obongi district in the West Nile sub-region of Uganda. He is one of the 512 youth that enrolled for the GIZ-ENABEL funded project implemented by Finn Church Aid (FCA) in the Palorinya refugee settlement.
“My father died during the war and as the eldest child in the family, I had to take on the mantle of providing for the family. These were the hardest moments of my life, fending for a family in a foreign land,” Alex says.
Alex Lojuan attending to a customer at his Retail shop located in Odraji Village, Zone 1 – Palorinya settlement. Photo: Linda Kabuzire
Alex started laying bricks for income and later got the opportunity to work with Lutheran World Federation (LWF) as a casual worker, distributing soap to refugees during the monthly distribution of food rations and household items in settlements. While at LWF, he received information about the FCA Business and Technical Vocational Education Trainings (BTVET).
“As luck would have it, I was enrolled as one of the FCA business skills trainees. Although, I am yet to finish the business training course, what I have learned so far in the first two modules has instilled in me a positive mindset for success,” Alex says.
Enhanced youth employability
The project ‘Promoting Youth Employability through Enterprise and Skills Development’ (PROYES) began in October 2019 and ended in May 2021. It sought to enhance profitable employment opportunities for refugee and host community youths through skills training and business development support, by equipping the youth with demand-driven vocational and business skills for fluent transition into working life in employment or self-employment.
During the project, FCA trained and mentored young people in Business Start-up and Management and in vocational skills like hairdressing, sandal making, carpentry, tailoring and building construction.
Backed by the training and skills received from the FCA business class training, in March 2020 Alex started up a retail business with the money saved from bricklaying and casual work.
“I used my 300,000 Ugandan Shillings savings to start a retail shop in Odraji Village, Zone 1 in Palorinya settlement. Within seven months, my business capital had doubled. This is in spite of the COVID-19 pandemic situation that has affected most businesses,” Alex says.
“I run my shop with proper business principles learned during the FCA training. I have a business plan, I negotiate with suppliers to get the best deals, practice marketing of my goods, and deliver great customer service in my business,” he adds.
Alex earns a weekly profit of over 30,000 Ugandan Shillings (UGX) and with this money, he is able to take care of his extended family. He also bought bicycle for himself and put up a temporary structure that houses his retail shop.
Linking learning to earning
In a bid to increase employability chances of the youth trained, FCA provided start-up kits to the trainees who completed the course. The organisation also linked the trainees to available employment opportunities.
By end of the project period, 153 trainees, including 86 males and 67 females, were employed either by the private sector entities where they had attended industrial training or became self-employed.
Gordon Chiria, a 26-year-old Ugandan living in Obongi town managed to set up his dream business after the training.
“I used to grow and sell maize and other crops to support my family. This business wasn’t successful because I failed to maintain it. After FCA’s training, I started a retail business with a capital of UGX 300,000. Currently I make sales worth UGX 80,000 per day and much more on market days,” Gordon says.
Using his business profits, Gordon managed to buy two goats and support his family. He plans to expand his business to both retail and wholesale. “I appreciate Enabel and FCA’s efforts towards making the livelihood of Obongi community youths better,” he adds.
Focus also on young women’s skills
The project also supported female youths. More than half, 53 % of all beneficiaries were females that benefited from the six skills trades under the project.
FCA supported female participation by establishing four child daycare centres and also facilitated customised career guidance, counselling and life skills training to enable female trainees appreciate the trainings and build their resilience to complete the course.
Esther Kuyang, 25-year-old South Sudanese refugee came to Palorinya refugee settlement with her family in January 2017. “My family and I were depending on the limited resources provided by World Food Programme. The food rations provided were not always enough, yet it was quite hard to get supplementary food due to lack of a source of income,” she recounts.
“While I was still pondering about what to do to take care of my family, FCA came to my aid. With their support, I enrolled for a business entrepreneurship course at Belameling Vocational Training Centre,” Esther tells.
“I had previously been trained by FCA in sandal making. Due to the lack of start-up capital, I was yet to put that skill into practice. During the business training under the FCA-Enabel project, I learned that my real capital was my brain. I immediately started to think of ways to get capital to rejuvenate my previously acquired skills of sandal making.”
Esther Kuyang a south Sudanese refugee making sandals in her workshop in Chinyi village, Zone 1, Palorinya refugee settlement. Photo: Linda Kabuzire.
“In mid-July 2020, I got a loan of UGX 170,000 from my friend and bought some basic materials such as rubber, thread, beads, for starting a sandal making business. With the business skills acquired in the training like record keeping, marketing and proper accounting, my business started growing. Within two months, I grew my business capital to UGX 200,000. On average, I earn a profit of UGX 28,000 weekly. I am still paying off my loan and I will keep reinvesting the profits in the business. I am also saving with Vision Savings Group, our FCA–Enabel Internal lending group,” she adds.
Esther is the chairperson of the savings group that was formed in January 2020 under the support of FCA-Enabel project. So far she has saved 75,000 shillings with this group. She also bought a bicycle, which facilitates her movements. Esther plans to buy more tools and equipment’s for sandal making, especially those that she currently lacks. She also plans on expanding the business and opening more branches in other trading centres to generate more income.
Business and Technical Vocational Education Training provides opportunities for a brighter future in Ugandan refugee settlements
Finn Church Aid has been providing refugee youth in Uganda business and Technical Vocational Education Training. Their pre-exiting skills were diverse but overall, the programme has provided many with necessary capacities to provide for themselves in the future.
FINN CHURCH AID (FCA) promotes vocational education and entrepreneurship among women and young people in Uganda, a country that has taken in more than a million refugees from its neighbouring countries. No other country in Africa hosts more refugees than Uganda. The majority of them are children and youth who have arrived with varying educational backgrounds and skills to start earning their own living in time to come.
In early 2020, the pandemic had a tremendous impact on self-employment in Uganda. A survey conducted by the UN Capital Development Fund showed that around half of self-employed people fell below the poverty line after one month of lockdown. Fortunately, by the end of the year, the situation was showing signs of improvement.
The work in Kyaka Refugee Settlement is based on FCA’s Linking Learning to Earning (LL2E) approach, establishing functional links between Business, Technical, Vocational Education and Training (TVET) and the world of work. FCA Uganda has been implementing BTVET programmes in other Ugandan refugee settlements for several years already. During 2020, 1,925 young people in total received Business and Technical Vocational Education Training (BTVET) in FCA Uganda country programme.
Our trainees and graduates from Kyaka Refugee Settlement share their experiences and thoughts below.
Bashimbe Banzuzi, 17
Bashimbe fled the DRC for Uganda in 2018. “There was no peace,” she says. “We couldn’t sleep as we were constantly afraid of what the night would bring.” She arrived with her grandparents and two sisters. Bashimbe is now two weeks into her hairdressing course with FCA and is excited for the future. “I love hairdressing because I know there is demand for it,” she says. “After finishing this course I will be able to support my family. Right now there is no one else who is earning money.”
Charles Biyoik, 18
Charles arrived in Uganda from the DRC in 2019. He came alone. “Life was too hard and I wasn’t studying,” he says. In the DRC Charles had a no-skill job in a restaurant. When he arrived in Kyaka II Refugee Settlement he heard an radio advertisement for vocational training and decided to pursue a course in motorcycle repair. “Hopefully, I will one day open my own garage.”
Erian Tuyisenge, 17
Erian has lived in Kyaka all her life. Her parents fled Rwanda in 1997, passing through Tanzania before settling in Kyaka II Refugee Settlement. “I was sitting at home doing nothing,” she says. She has just begun a 6 month tailoring course at the FCA’s Vocational training centre. “I know tailoring will provide me a future as there is always demand. So you can earn a lot of money.”
Beni, 21
Beni (standing) arrived in Uganda with her sister after fleeing violence and the murder of their parents in the DRC. “I had very little skills in hairdressing, but when I heard about the program, I knew I wanted to take part so I can help my family,’ she says. Beni and sister Rose went through the training together and in December 2019 they decided to open up a little salon in Kyaka settlement. “Even if we get one or two customers a day we are able to buy some soap, and some food.”
Skills are important especially for girls because many, Beni says, are involved in prostitution. “If they have skills, girls can focus on improving their lives and their family’s lives.”
Prince Mushesa, 22
Prince crossed the border alone, arriving in Uganda from the DRC in 2019 after rebels had kidnapped his family. When Prince heard from his neighbours that is was possible to study agriculture he was excited as he felt that it was a skill that could help him in the future. “I have been taught new techniques that I didn’t know before,” he says. FCA continues to supports students once they graduate by providing small plots of land for the students to continue to practice their farming. And of course whatever they grew, they keep.
Priska Kabira, 19
Priska is one of many students who are also young mothers. To support their learning, daycare is provided by the school. For Priska, who is studying Tailoring, this has meant she can spend more time in the classroom. “If they didn’t have daycare it would be very difficult. I would have to take her to the classroom and every time she cried I would have to tend to her.” Priska has been in Uganda for four years after fleeing the DRC with her family out of fear of being kidnapped by rebels.
Sonia Kalombola, 21
Sonia fled to Uganda with her family in 2010 due to conflict between families that left her uncle murdered. The family first settled in Kampala, capital of Uganda. Urban refugees are expected to be self-reliant but the high costs of living forced the family to Kyaka II where the family now resides. Sonia is currently studying Catering. “I love catering. I love to cook and bake. I hope to be a professional in the future and open a hotel and help others to learn about catering.”
Isabela Kabuwo, 23
Isabela settled in Kyaka II Refugee Settlement in 2017 after war forced her to flee the DRC with her family. When she heard about the tailoring course offered by FCA she jumped at the chance. Fast forward to 2021 she now works alongside two other fellow graduates in a small tailoring business on the busiest street in Kyaka. “When we work as a group, we work better,’ she says. Isabela currently rents her sewing machine but is hoping to pay it off in the next couple of months.
Yvonne Ishimye, 19
Yvonne arrived in Uganda in 2017 after fleeing violence in the DRC with her family. Yvonne was already studying agriculture in the DRC and when she was determined to finish her studies however the costs of schooling were too prohibitive. When she learned that FCA offered a course in Agriculture to refugees it filled her with tremendous excitement. “When I was practicing agriculture in the DRC it wasn’t in my heart, but when I came to Uganda it became my ambition,” she says. Since graduating, Yvonne now plants tomatoes not far from her family’s house. Every five months she harvests her tomatoes earning enough money to buy new seeds and provide for her whole family.
Shukuru Misago, 20
Shukuru fled to Uganda when as a child with his entire family. In 2020 Shukuru was successful in securing a place in motorcycle repair at the FCA Vocational Training Center in Kyaka II. “There are so many boda boda’s (motorcycle taxis) where I live so I knew there would be a market. Now that I am working and own my own garage I can get everything I need to support my family,” he says. He has grown up seeing FCA’s impact in the settlement. “I want to see other refugees benefit from this programme the way I have benefited.”
Text: Nora Luoma and Erik Nyström Photos: Hugh Rutherford
Distance learning, quarantines and travel bans. Lockdowns, cancelled events, and hundreds of online meetings. Remembered as the year of the Covid-19 pandemic, 2020 was an exceptional year for everyone, including Finn Church Aid, writes executive director Jouni Hemberg.
Conditions have been dire in our programme countries before; however, this was the first time that a crisis affected the entire organisation. Even though we have experienced conflicts, earthquakes, natural disasters and epidemics, none of us had ever experienced a global pandemic.
Although what happened during the year took us and everyone else by surprise, we weren’t entirely caught off guard. As our teams are geographically dispersed, remote working is not unusual. In Finland, our entire Helsinki office relocated to employees’ homes practically overnight. When I compare the ease of remote working now to what it was a year ago, it’s as different as night and day. Our country offices in Asia, Africa and the Middle East were also able to ward off coronavirus infections for a long time, which was crucial for our Covid-19 response in 2020
The pandemic has inevitably affected our education, livelihoods and peace programme work. Schools worldwide switched to distance learning, and some had to shut down entirely in 2020. While families in Finland agonised over remote school and remote work arrangements from home, people in our programme countries needed to be even more resourceful. Without access to internet or any infrastructure, teachers travelled from village to village teaching children, and radio lessons were provided.
Covid-19 has had a dramatic impact on livelihoods. Unlike in Europe where governments have taken responsibility for helping people and businesses cope, people in developing countries have been left to their own devices. In countries where social safety nets are weak, an epidemic much less dramatic than the Covid-19 pandemic can make life difficult. Unable to earn a living, people are forced to leave their homes and seek opportunities elsewhere. Forced migration is not only a risk in terms of the pandemic, but it also increases regional tensions. Conflicts arise regardless of epidemics, and this has made our peace work all the more challenging.
Despite such challenging circumstances, we as an organisation have performed extremely well. A significant increase in our international funding shows that partners such as the UN, the EU and other public funding providers, have strong faith in us and our vision.
However, the Covid-19 epidemic diminished our church collection income. With various social restrictions in place, we have been unable to reach our donors as we normally would. Passing the collection plate online is very difficult, and our hardworking face-to-face fundraisers were forced to stay at home. But while our internal funding in Finland decreased, so did our expenditures, as travel-related costs shrank. With that being said, we were fortunate to not experience significant losses in 2020.
A year amidst the pandemic has opened our eyes to new opportunities. We must be able to grow as an organisation and learn how to make effective use of new digital tools. Going forward, a large part of our education activities will no longer take place in physical buildings despite a vast number of people in places like Africa will still need access to education. This is where digital learning could come into play. The fact remains that the way we work will never be the same it was before the pandemic. We need to contemplate on the lessons learned during the pandemic and adopt new working modalities in the future.
As the Executive Director of Finn Church Aid, it is my heartfelt wish that we will soon defeat the pandemic and begin our journey to recovery. Our post-Covid-19 work will focus strongly on sustainable development. We will continue our efforts to promote education, peace, livelihoods and equality. And now that remote working has proved successful, we can start pursuing more ambitious environmental objectives, such as rethinking what constitutes as necessary travel.
Although 2020 was an extremely tough year for us at Finn Church Aid, it was also a major success story, thanks to our employees, board members and other elected representatives and volunteers. You are our most significant resource, and your valuable input allows us to help those most in need.
You are also the best indicator of quality and trust in our activities. Thanks to your efforts to develop our operations, our funding has increased. We learned a valuable lesson from the pandemic: when all the parts of our organisation come together, we can weather any crisis.
Jouni Hemberg, Executive Director for Finn Chruch Aid
This text twas originally published as the preamble of our Annual Report 2020 that came out recently. Would you like to know more about what was done?
Finn Church Aid’s (FCA) investment company FCA Investments Ltd (FCAI) has committed a $1 million seed investment to Ugandan fintech Ensibuuko, which currently provides digital financial services to over 200,000 rural customers in Uganda. The commitment was announced on April 30 in Kampala.
The funding is going towards increasing financial inclusion in rural communities in Sub-Saharan Africa. Ensibuuko will also gain access to FCA Investments’ technical resources and a global network of partners allowing it to build internal capacity and to establish strategic relationships across the region.
Ensibuuko operates a proprietary microfinance platform developed for Africa’s credit unions (SACCOs) and savings groups.
“I commend Ensibuuko for its focus on growing customer value and commitment to facilitating last-mile financial services. Their vision of unlocking opportunities for communities is well-aligned with our values at FCA Investments,” says Emmanuel Obwori, the Chief Operating Officer of FCA Investments.
FCA Investments seeks to leverage the power of long-term finance to unlock opportunities for underserved communities and boost job creation in developing countries by investing in impactful and scalable Small and Medium-sized Enterprises.
The “impact-first” investment firm has already made several investments in high-growth, impact-driven businesses in Asia and Sub-Saharan Africa, including Uganda, and most recently in Somalia. Ensibuuko is the first fintech investment to join its portfolio.
With this new investment, Ensibuuko ups its competitive stance in Africa’s fintech space.
“We thank FCAI for this funding which will allow us to scale rapidly in Uganda and expand to other markets. This new raise brings total investments in Ensibuuko to $1.6 Million, having closed a pre-seed round in 2017 from a group of Canadian angel investors,” says Ensibuuko’s Founder & CEO, Gerald Otim.
Empowering rural communities through financial inclusions
FCA Investments and Ensibuuko have an ambitious target to increase financial inclusion by scaling rural banking infrastructure and digital financial services to millions of customers in Sub-Saharan Africa
Since its launch in 2014, Ensibuuko has developed digital products and services for SACCOs and savings groups and built the infrastructure that connects them to the wider ecosystem of financial service providers, including telecoms, insurance and banks.
The fintech deploys technology solutions to community-based savings and loans organizations, so they can efficiently reach and serve unbanked and most underserved communities in Africa with affordable and relevant financial services.
Their proprietary microfinance solutions help these organizations to automate data, process payments and become efficient and bankable.
Ensibuuko intends to make major improvements to its newer digital loan and micro-insurance products, which target rural customers. They envision a world where everyone has access to relevant and affordable financial products and services.
1. Donation: The blockchain creates a reference for each donation. The reference allows users to track exactly how their donation is used.
2. Beneficiary registration: Blockchain technology enables electronic registration of beneficiaries, for instance, biometrically through fingerprint or iris scans or with smart cards.
3. Verified retailers: Retailers of food and other necessities are equipped with the relevant technology for identifying beneficiaries and trained in using the system.
4. Redemption: The retailer receives payment from the NGO that coordinates the operation for the items they have sold to identified beneficiaries.
5. Monitoring: If transactions are made electronically, the smart contract enables the donor to follow up on how the beneficiary spends the assistance in real-time through an online link.
The benefits and challenges of cash assistance
Cash transfers are one way to ensure that a greater amount of assistance funds directly reaches those in need while also enabling vulnerable families to decide for themselves what they need and prioritise their procurements. Local retailers benefit from increased activity at local markets.
Distributing cash does also bring challenges. The beneficiary is subject to risks by carrying relatively large amounts of cash in a fragile context. To ensure that the money does not instigate fraud or corruption, organisations need to allocate staff for monitoring and follow-ups.
The spread of the coronavirus has also complicated arrangements of cash distributions, and the use of cash increases the risk of transmitting the virus between people at local markets.
With the support of blockchain technology, an organisation can create a virtual wallet for each beneficiary. The beneficiary can then buy necessities from verified retailers equipped with the appropriate identification equipment. Transactions are followed virtually, making monitoring easy, and the blockchain enables safer transactions that protect the identity of the beneficiaries.
