The benefits of joining the VSLA, however, have extended beyond the financial. Reflecting on what led her to join the group, Nyirahabineza said, ‘I joined to unite with others who wanted to progress their lives by putting our small savings together.’ She went on to share the impact that the group has had: ‘I have learnt so much, including how to grow vegetables. My children can now have a balanced diet and I am more hopeful for the future.’
The Abadahigwa VSLA is one of 30 groups implemented through The Salvation Army’s three-year project which aims to strengthen household resilience through savings groups, functional literacy and improved nutrition. The project is set to connect with 600 households, positively influencing 1,800 direct participants, and collaborating with 15 corps in rural Rwanda.
This project directly works to address The Salvation Army Rwanda and Burundi Territory’s community development goal of ending poverty in all its forms. The territory chose to work with the communities of Kamonyi and Musanze as research showed a high level of deep poverty and undernourishment amongst their populations.
The first year of the project focused on establishing VSLAs and implementing training for members. The saving groups are self-managed and independent and therefore reliant on their members’ willingness to save money together. The role of The Salvation Army is to assist with group formation and to provide financial literacy, business mentorship, and training on entrepreneurship and enterprise management. With this access to financial services, the participants will be able to develop sustainable livelihoods and participate in developing their communities by investing in different sectors which are essential for general economic growth and sustainable development.
As the project moves into its second year, the focus is on growing and strengthening the VSLAs. Participants are encouraged to use the savings made during the first year to establish income generating activities. Training in good nutrition, vegetable production and animal farming as a means of addressing malnutrition is also introduced. Through the Farmer Field Schools initiative, individuals gain hands-on experience in improved farming methods and receive seeds to use at home. This year is dedicated to ensuring participants gain tangible skills and resources, to boost their livelihoods.
Alphonsine Mukankusi shared her experience of participating in the project:
'Family life had not been easy. My husband left us two years ago and since then we struggled to find money, food and school fees for my children. I was living with no hope, asking myself how I will be able to educate my children. I started looking for casual work in the area but it was very difficult.
Grains and meat are in high demand in our area and people come from the capital city to find them and offer good money. This was a big opportunity in our community. However, I had nothing to start a small business with. I was able to borrow a little money from an acquaintance and started buying small quantities of sorghum and maize which I resold in the market.
When The Salvation Army brought the saving groups, I felt very lucky because I found a place where I can borrow money for my business and repay it in a friendly and easy way. From that time I decided to expand my business of buying grains. I also started another one buying goats, rearing them for a few months and then selling them at an increased price.
Nowadays, I no longer struggle like before, thanks to being part of the savings group. I can find school fees and materials for my children and also have something to eat.
I am a regular member and attend all project activities. I also contribute by providing advice to my fellow members. My relationships with neighbours have improved as we meet weekly in the savings group and exchange ideas. In addition, my confidence has been boosted as I see many blessings of being together in a group with my neighbours.
I hope my business will be sustainable so that I will keep raising my children till they become mature and able to survive.'
During the third year of the project, the priorities will be creating new partnerships and broadening the reach of the VSLAs. Establishing the long-term sustainability of the VSLAs and ensuring their ongoing impact within the communities are key targets for this final year.
This project also aims to address the issue of human trafficking and modern slavery. Working together with other stakeholders, the aim is to prevent trafficking by limiting the push factors that lead to exploitation such as poverty and job insecurity. Membership in VSLAs and life skills training are essential elements to ensuring people can grow their income and reduce their vulnerability to trafficking.
This project is multifaceted, and its impact goes beyond that which is listed in the aims and objectives. It is bringing people together, strengthening community bonds, reducing vulnerability to malnutrition and human trafficking, and giving people access to the tools and resources they need to lift themselves out of poverty. Ultimately, these add up to hope: hope for a better life. As Nyirahabineza summarises, ‘I can now dream of a better life for myself and my children.’
By Francois Nsengimana
