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Client Needs: What do we know (and how do we Reach the Poorest)

Client Needs: What do we know (and how do we Reach the Poorest) Chris Pain, Social and Economic Development Unit, Concern Worldwide. How Concern Understands Extreme Poverty. Low Assets. Risk and Vulnerability. Extremely Poor People. Lack of Return on Assets.

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Client Needs: What do we know (and how do we Reach the Poorest)

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  1. Client Needs: What do we know (and how do we Reach the Poorest) Chris Pain, Social and Economic Development Unit, Concern Worldwide

  2. How Concern Understands Extreme Poverty Low Assets Risk and Vulnerability Extremely Poor People Lack of Return on Assets

  3. How have we utilised this – to distinguish between countries

  4. What does this mean at programme Level Income Distribution – Sierra Leone • Reaching this target group will cost more and require a different type of programme => A shift away from sector based programme • Multi Sectoral Series of Interventions, pulling in a number of elements of our work • To make this work requires a multitude of skills – many of which we do not have – we need to work in partnership Source: http://data.worldbank.org/indicator/SI.DST.02ND.20/countries?page=3

  5. HH at this level have moved beyond vulnerability to poverty and have “sustainable livelihoods” Asset Generation Line Always the possibility HHs will fall back a level due to shocks – programme will be flexible enough to allow them to rejoin Livelihood Line Poverty Line Survival Line (Food Poverty Line = All resources spent on consuming 2,100 kcal per day) All included in the programme are at this level Level One Level Two Level Three Level Four Level Five 12 months 6 months 6 months 6 months Ideal timeframe Potential timeframe 6 months 6 months 36 months 6 months

  6. Developing a Relationship with a Microfinance Investor • Takes time to build the relationship • Foundation depends on shared values, vision and working principles • Operational - Cambodia (AMK) and Zambia (AMZ) • Feasibility Studies – Malawi and Mozambique • The needs of the poorest is the starting point in the design of an appropriate product • Seasonality of clients agricultural livelihoods • Transparent Communications on the price of loans • Reducing transaction costs • Focus on both Social and Financial returns • AMK – submits social performance reports to MIZ markets • AMZ – internal reports on limited number of social indicators

  7. Reacting to the needs of the Poorest – Differences in Monthly Cash Flows and Expenses (Zambia)

  8. Where does the complementarity between Concern and Agora Emerge

  9. Where does the complementarity between Concern and Agora Emerge • We have very common areas of interest, but often use different language

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