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A case for research?. Tuinuane A church based savings and credit groups program. Tuinuane. Tuinuane – “Uplifting each other” A saving and credit group program tailored for a church Implemented by the Free Pentecostal Church of Kenya Financed by the Norwegian Pentecostal Mission and Norad
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A case for research? Tuinuane A church based savings and credit groups program
Tuinuane • Tuinuane – “Uplifting each other” • A saving and credit group program tailored for a church • Implemented by the Free Pentecostal Church of Kenya • Financed by the Norwegian Pentecostal Mission and Norad • Borrowed from VSLA (CARE) and PACT • “Copied” by Baptists in Congo and NUDIPU in Uganda
Saving and credit groups • Autonomous groups • 20-25 members, mostly women • Save a fixed weekly amount into a pool • The members can borrow from the pool • Time bound – share out at the end of each year • Normally start out saving between 20 and 50 US Cents weekly
Tuinuane in numbers • Started slowly in 2005 • Now 550-600 groups and growing rapidly • 11000-12000 members • 150 locally incentivized volunteer field agents • 5 staff • Around 700.000 USD mobilized after 6-8 months • Around USD 60 on average per member • Members seem to be saving a little more than one month’s income during one year
Tuinuane – how it works • All FPFK churches across the country are targeted (very wide geographical scope) • To avoid strife and struggle in the church • But in a systematized manner • The staff train the first leaders of the first groups in a new region • Self-instructive system with a self-explaining manual • Manual includes issues on self-esteem, IGA etc. • Very basic accounting system and savings passbooks • After around 6-12 months the best leaders are asked to become field agents • Field agents receive their incentives from the new groups they mobilize
Tuinuane and the church • The groups are autonomous • Most groups meet in the churches • Most groups start their meetings with songs and praises • Sometimes a pastor comes a share the word of God • Persons from within and from outside the church are members in the groups
Testimonies from members • 10 members have become Christian • People are leaving Kenya Women to join Tuinuane • A widow: “Tuinuane is now my husband” • My familiy now respects me • Let them be blessed those who brought us Tuinuane • Now I can even wear a purse • Tuinuane has taken away our shame • Tuinuane builds me • Before we were small not we are proud for ourselves • The group has covered my shame • Tuinuane is better because it we have a Christian Fellowship • Now I can stand up before other people • Tuinuane has build me to see me as a great person • Tuinuane has given me leadership experience • I thought I was too old but I was accepted • Tuinuane makes us self-reliant • Tuinuane is better than other groups because we share the word of God and sing
Testimonies from church leaders • Tuinuane helps to increase the income in the church • Tuinuane boosts the church • Tuinuane has changes some of our traditional Christian habits (long sleeves, long dresses etc.) • Tuinuane has helped us to dig into the scripture. Before only Heaven, now also life on Earth • Tuinuane provides the church with leaders • Tuinuane is a ministry • Tuinuane makes the church more respected in the community • Tuinuane gives the church members with more confidence • Tuinuane makes the church more self-reliant and less dependent on foreign donations • We can not compare FPFK now and before Tuinuane. We have changes. No longer so conservative. Now we are Christ like.
Possible research questions?Can the effects be isolated? • Are the Tuinuane groups influenced by the church? • Is the church affiliation enhancing trust in the groups? • Are people more willing to be members of the groups? • Are the groups more sustainable (continue longer)? • Do the groups mobilize more savings? • Are the groups more or less autonomous? • Are non-Christian members excluded? • Is the church being changed because of Tuinuane? • Increased emphasis on “life today here on earth”? • More members in the church? • More and better leaders in the church? • Better standing in the local community? • More involvement in social activities? • Change in outreach and evangalization strategies? • Increase in members’ donations (tithes) to the church?