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Building Savings and Protecting Assets Ntongi McFadyen, Save the Children STRIVE Mozambique. STRIVE Mozambique context. Chronic food insecurity and child malnutrition Nampula Province: 63% of children under 5 chronically malnourished Smallholder , subsistence-oriented farming
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Building Savings and Protecting AssetsNtongi McFadyen, Save the ChildrenSTRIVE Mozambique
STRIVE Mozambique context • Chronic food insecurity and child malnutrition • Nampula Province: • 63% of children under 5 chronically malnourished • Smallholder, subsistence-oriented farming • Hunger season from December to March
Program activities • STRIVE activities implemented in 2008-2012: • Village Savings and Loan (VSL) groups • Rotating labor scheme, Ajuda Mutua (AM) • 10,000+ participants in VSL groups - potential to impact more than 25,000 children • Overlay with SANA, a USAID Title II food security program addressing nutrition, agriculture, and disaster risk reduction.
Impact evaluation • To assess program effect on: • HH food security, HH and child food diversity, and child anthropometric measures • Intermediary outcomes: income, assets and social capital • Household cohort survey: • August 2009 and August 2012 • 9.1% attrition rate • 1543 program beneficiaries and residents of the comparison group area
Qualitative follow-up study • To explore factors leading to the change in outcomes • Subsample of households from impact evaluation with measured improvements in income and social capital • In-depth interviews conducted in Nov-Dec 2012 • 43 VSL participants in Mossuril district • 42 VSL&AM participants in Angoche district
Results overview (+) = better than control (-) = worse than control *aluminum panels, toilets
Difference in Difference design Effect of participation = Difference for VSL group – Difference for comparison group What would have happened in absence of treatment
ResultsIncome and AssetsVSL vs. Control Total per capita Income Total Durable Assets 1,000 Mzn = $38 Comparison Group Comparison Group VSL VSL †DD= .85*** (log. scale); Ratio of difference is 2.3 †DD = 1.124*** Endline (2012) Baseline (2009) † Propensity score weighted difference in difference, controlling for natural shocks
ResultsFood Security and Dietary DiversityVSL vs Control Mo. Adequate Food Dietary Diversity (FCS) Comparison Group Comparison Group VSL VSL †DD = .416*** †DD = .889*** Endline (2012) Baseline (2009) † Propensity score weighted difference in difference, controlling for natural shocks
Key drivers of impact • Income • Men have a central decision-making role in allocating savings and loans, although women participation is more dominant in VSL • Use of loans to invest in agriculture and business; large changes in income driven by investment in high value crops • Exposed to business training but sense of limited non-farm opportunities; no apparent income gains from livestock • Assets • Households acquiring a range of durable assets (improved toilets, aluminum and zinc panels, bicycles, clocks, radios, etc) • Given a lump sum, are durable assets an easy and low risk purchase? Or are they a preference?
Key drivers of impact • Food security • Share-out almost always timed to align with the hunger season • Women referred to making food and daily needs purchases • Men referred to making agriculture and durable good investments • Members associated dietary diversity with desire for variety in tastes, rather than nutritional quality • Child anthropometrics (stunting, wasting, underweight) • Some VSL members exposed to nutrition messages through SANA; acknowledgement of different food needs among children and equity in intra-household distribution of food • In hierarchy of needs, potential investment in children’s nutrition appears to be crowded out by other priority needs
Implications going forward VSL - overlayed with SANA - was not enough to improve health and nutrition outcomes for children, in this context: • Would the explicit integration of health and nutrition within VSL yield nutritional outcomes for children? Is the problem not a priority or is the solution not well understood? • Would increased engagement of resource gatekeepers (men, grandmothers) change allocations to prioritize nutritional needs? VSL contributed to income, asset, and risk mitigation gains: • Would children’s nutritional needs eventually compete for finite resources as households work their way through priority expenditures? Can VSL achieve this, and under what timeframe? • What additional avenues can accelerate outcomes, e.g., readily available nutritional foods at a lower cost? In other contexts, how has VSL shown to have built and protected assets?