Communities and families flourishing through a women’s savings group in Kenya

In Kajiado South, Kenya, the Ilaramatak Esukuta Village Savings and Loan Association (VSLA), a women’s savings group comprising 38 women, is a symbol of hope and resilience. This group is one of 30 VSLAs supported by Dorcas Kenya through the Loitoktok Future for Children project in partnership with Shokut Naretoi community programme organisation. The project uses the Dorcas Future for Children approach, which focuses on life skills for children and parents, household strengthening, community child protection and advocacy for improved government child protection policies.

The project reaches 235 households, identified through a community-led participatory process and grouped by geographical location to facilitate training and follow-up. These households have been through six consecutive failed rainy seasons from October 2020 to December 2023, resulting in devastating drought conditions across the Horn of Africa. The impact has been severe, leading to livestock losses, food insecurity and reduced access to education and healthcare for many families.

An integrated approach to empowerment

The process began with training in positive parenting, where parents learned essential skills such as communicating clearly and becoming role models for their children. Households were also trained in entrepreneurship, smart agriculture, financial literacy and child rights and protection. These small groups eventually evolved into VSLAs, with the Ilaramatak Esukuta VSLA being the first to be trained and officially formed on 24 March 2021.

Initially consisting of 38 women, 15% of whom were subsistence farmers, petty traders or casual labourers, and 60% of whom were housewives or unemployed, the group faced significant economic challenges. However, their determination and the training they received paid off. From May 2021 to May 2022, the group saved a substantial amount, issued numerous loans, and made a considerable profit. In their second cycle, the group saved a larger amount and made an even greater profit from loans.

The financial success of the group has been transformational. Members have gained confidence in managing their finances and many have opened personal bank accounts, further increasing their financial independence.

Impact beyond finance

The Ilaramatak Esukuta VSLA has promoted social growth and economic empowerment among its members. Business growth within the group has had a positive ripple effect, with their children attending school more regularly, leading to better learning outcomes. The group’s culture of savings and financial management has also deepened, with members consistently saving a notable amount per week.

Together, the group invested in a 100-seat tent and 100 plastic chairs, which they rent out for social events. This income-generating activity (IGA) has provided additional financial support for members. Individually, members have started or expanded their businesses, attributing their success to the skills they learned through VSLA training. For example, Somoina expanded her charcoal business and now saves a significant amount per week. Through backyard gardening and selling excess vegetables to the community, Katito Elizabeth has improved her family’s nutrition and income.

Mary, the group’s chairperson, describes how VSLA’s leadership training transformed her from a shy person to a confident leader: ‘Before joining the VSLA, I was a very shy person, someone who avoided speaking in public or taking on leadership roles. But through the leadership training, I started to build my self-esteem and believe in my abilities. It was a gradual process, but eventually I found myself taking on the role of chairperson for our group. At 57 years old, I never imagined I would be a leader, let alone one who could speak confidently and resolve conflicts within a group. This experience has opened my eyes to my potential and I now believe that I can aspire to any position within the group or in the wider community. The transformation has been incredible and has given me a sense of purpose and confidence that I never had before.’

As the Ilaramatak Esukuta VSLA enters its third cycle, all of the original members remain active. The group now plans to support members without IGAs to set up their own, and they are looking to buy another tent to increase their income.

Ilaramatak Esukuta’s story of resilience, empowerment and hope is a reflection of Dorcas’ Future for Children’s profound impact in transforming lives and communities.

26 August 2024