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Tracking Progress Through SSDO’s Jacob’s Well Microcredit Scheme

The Jacob’s Well Microcredit Scheme provides women with access to financial support to start, strengthen, or expand income-generating activities.

South Saharan Social Development Organisation (SSDO) also follows up with beneficiaries to understand how the support is being used and the progress women are making with their businesses.

As part of this process, the SSDO team recently visited Affa-Amaozalla for a monitoring, verification, and evaluation exercise involving women who have received or are newly accessing microcredit support.

Monitoring Progress Under Jacob’s Well

The exercise focused on understanding what happens after women receive financial support through the scheme.

For new beneficiaries, the team verified their information and discussed how they planned to use their loans.

For women who had previously received microcredit, the team reviewed the progress of their businesses and how the support had contributed to their activities.

This follow-up gives SSDO a clearer understanding of how beneficiaries are applying the financial support and the progress being made within their businesses.

Listening to Women and Their Experiences

The monitoring exercise also provided an opportunity for the team to engage directly with the women.

Discussions focused on their experiences running their businesses, the challenges they face, and the support they may need to strengthen their livelihoods.

These conversations provide important context around the progress being recorded.

They also help SSDO identify challenges that may affect business growth and understand where additional guidance or support could be useful

Why Monitoring Matters

Financial support is only one part of helping women build sustainable livelihoods.

Regular monitoring allows SSDO to follow up with beneficiaries after disbursement and understand how the loans are being used.

It also helps track business progress and provides information that can guide future support under the Jacob’s Well Microcredit Scheme.

Through this process, the project team can learn from the experiences of beneficiaries and identify areas that may require further attention.

Supporting Women to Strengthen Their Livelihoods

The monitoring visit to Affa-Amaozalla forms part of the ongoing implementation of Jacob’s Well.

By providing microcredit and maintaining engagement with beneficiaries, SSDO is able to support women while also learning from how the financial assistance is being applied.

For the women involved, the scheme provides access to capital that can support their businesses and income-generating activities.

For SSDO, continued monitoring helps ensure that the Jacob’s Well Microcredit Scheme remains connected to the experiences, progress, and needs of the women it supports.

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Strengthening the Economic Resilience of Sister Guardians Through VSLAs

For many grassroots women, access to finance can shape their ability to grow a livelihood, respond to household needs, or invest in an income-generating activity. Yet affordable credit and structured savings opportunities remain limited in many rural communities.

South Saharan Social Development Organisation (SSDO) is addressing this gap through Sister Guardian VSLAs, establishing Village Savings and Loan Associations among women participating in the Sister Guardian Initiative (SGI).

The approach recognises that women who support others in their communities also need opportunities to strengthen their own economic resilience.

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Creating Financial Opportunities for Sister Guardians

Sister Guardians support women experiencing violence and harmful practices through counselling, mediation, referrals, and temporary shelter. They also advocate for women and engage community structures to promote safer and more supportive environments.

However, the women carrying out this work have economic needs of their own.

Through VSLAs, SSDO is providing Sister Guardians with a practical structure for regular savings and access to small loans.

Members can build savings collectively, access finance when needed, and invest in activities that can generate income.

The model also encourages regular saving and financial discipline within the groups

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Building Savings Across Communities

So far, 32 VSLAs have been established across participating communities, with more groups being formed.

In Awha Ndiagu, Eziokwu bu Ndu is building collective savings among its members. Chikawdo in Ihenyi, Nwannebuike in Umuode, Nwanne di na Mba in Orokoro, and Unity in Akwuke are also using the VSLA structure to save and access finance.

Each group provides women with a locally managed mechanism for pooling resources and supporting one another financially.

This is particularly relevant in communities where formal financial services may be difficult to access or where small loans can make a practical difference to household and livelihood decisions.

Connecting Economic Empowerment With Community Leadership

The VSLAs also connect with the wider role of Sister Guardians within their communities.

These women respond to cases, support survivors, engage community leaders, and advocate against harmful practices. At the same time, they are building savings, accessing loans, and strengthening their own livelihoods.

This connection matters because economic resilience can influence how women participate in community life and respond to challenges within their households and communities.

For SSDO, supporting Sister Guardians therefore includes creating opportunities for the women themselves to build stronger financial foundations.

Expanding Opportunities for Sister Guardians

The growing number of VSLAs reflects an expanding economic empowerment component within the Sister Guardian Initiative.

As more women join groups and build their savings, the model creates opportunities for members to access finance and invest in activities that respond to their individual circumstances.

Through these community-based savings structures, SSDO is supporting Sister Guardians to strengthen their economic resilience alongside the important work they already do to support and advocate for other women.

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Real-Time Election Observation During the Enugu State Local Government Elections

Real-time election observation can provide a clearer picture of what is happening at polling units as an election unfolds.

During the Enugu State Local Government elections, South Saharan Social Development Organisation (SSDO), in partnership with ActionAid Nigeria and JDPC, supported a coordinated observation process involving 50 trained observers deployed across eight Local Government Areas.

The observation process combined field reporting with a central Situation Room, allowing information from polling units to be received and reviewed as the election progressed.

Coordinating Election Observation From the Situation Room

While observers were deployed across the eight LGAs, the SSDO team worked from a central Situation Room.

Observers uploaded updates from their assigned polling units, giving the team access to information from different locations as the process unfolded.

The team received and reviewed these updates in real time. This created a structured flow of information between polling units and the people coordinating the observation process.

The Situation Room therefore served as a central point for receiving field updates and maintaining an overview of the observation exercise.

Taking Observation Beyond the Situation Room

The observation effort also included direct engagement with the electoral process on the ground.

The SSDO and Action Aid Nigeria team visited polling units to gain a firsthand understanding of how the process was unfolding.

These field visits complemented the information being received from trained observers and provided another perspective on the election.

The team also joined Afia TV for a live discussion on the election observation effort. This provided an opportunity to explain the observation process and discuss developments from the field.

A press conference was also held to share observations from the monitoring exercise

Connecting Field Information With Public Engagement

Effective election observation depends on more than having people at polling units.

It also requires systems that allow information to be captured, reviewed, and communicated in a timely way.

The 2026 observation process connected trained young observers across eight LGAs with a central Situation Room and wider public engagement.

This structure allowed information from the field to move through different stages of the observation process, from polling units to the team reviewing updates and then to public discussions.

Strengthening Citizen-Led Election Observation

The experience demonstrates the value of combining trained citizens with systems that support coordinated observation.

For SSDO, the election observation process provided young people with an active role in documenting electoral processes while creating channels for information from polling units to inform wider engagement.

Through field observation, real-time reporting, direct monitoring, and public communication, the process supported a more coordinated approach to documenting the Enugu State Local Government elections.

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Enugu State Local Government Election Observers Training

The Enugu State Local Government Election Observers Training prepared 50 young people to observe and document the 2026 local government elections across eight Local Government Areas.

South Saharan Social Development Organisation (SSDO), in partnership with ActionAid Nigeria and JDPC, organised the training ahead of the Enugu State Local Government Chairmanship and Councillorship elections.

The training focused on equipping young people with the practical knowledge required to observe polling activities, document information accurately, and report issues that arise during the electoral process.

Preparing Election Observers for the 2026 Elections

Election observation requires observers to understand both the polling process and their responsibilities in documenting what they see.

During the Enugu State Local Government Election Observers Training, participants received practical guidance on monitoring polling processes and recording their observations accurately.

They also learned how to identify and report incidents and understand the roles and responsibilities of key actors throughout the electoral process.

This preparation provides observers with a common understanding of what to monitor and how to document their observations from polling locations.

From Training to Election Observation

Following the training, the 50 young observers were deployed across eight Local Government Areas for the 2026 elections.

Their role is to observe polling activities and provide structured information on what takes place at their assigned locations.

This creates an avenue for young people to participate directly in the electoral process beyond voting.

It also supports the documentation of experiences from polling points, including issues that may require attention during or after the elections.

Building on Previous Election Observation

The training builds on SSDO’s previous work with ActionAid Nigeria and JDPC during the 2024 Enugu State Local Government elections.

Ahead of the 2024 elections, the partners engaged ENSIEC, security agencies, political parties, traditional and religious leaders, youth groups, and women’s groups on supporting a peaceful electoral process.

The engagement contributed to a peace accord signed by participating political parties. Trained observers were also deployed across all 17 Local Government Areas.

The 2026 training therefore continues an approach that combines youth participation, election observation, and engagement with relevant electoral stakeholders.

Supporting Youth Participation in Local Governance

Young people have an important role to play in documenting and understanding local electoral processes.

Through the Enugu State Local Government Election Observers Training, participants gained practical experience in election observation while contributing to the documentation of the 2026 polls.

For SSDO, this work forms part of broader efforts to strengthen citizen participation, accountability, and engagement with local governance processes in Enugu State.

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Japanese Embassy Monitors Construction of Medical Waste Incinerator in Enugu

Project monitoring helps ensure that development investments remain aligned with their intended purpose and implementation standards.

As part of ongoing oversight of the Japanese Grant Assistance for Grassroots Human Security Projects (GGP), officials from the Japanese Embassy recently visited Abakpa Health Centre in Enugu State to inspect the construction of a medical waste incinerator being implemented by South Saharan Social Development Organisation (SSDO).

The visit provided an opportunity for the Embassy to assess progress on the project site, review the quality and stage of construction, and discuss the remaining steps towards completion and commissioning.

Monitoring Progress on the Incinerator Project

The medical waste incinerator is being constructed to provide a dedicated system for the safe disposal of healthcare waste generated by Abakpa Health Centre and other surrounding health facilities within the LGA.

During the monitoring visit, Japanese Embassy officials inspected the building and reviewed the progress of construction alongside the SSDO team.

The facility is now nearing completion. The site visit therefore focused on assessing the work completed so far and identifying the remaining requirements before the facility can be commissioned.

Regular project monitoring provides an important link between funding support and implementation. It allows stakeholders to assess progress directly and maintain a shared understanding of the work required to bring the project to completion.

Strengthening Engagement Around the Project

The monitoring visit also included a courtesy visit to Dr. Ifeyinwa Ani-Osheku, Executive Secretary and CEO of the Enugu State Primary Health Care Development Agency.

The engagement brought together the Japanese Embassy, SSDO, and the state primary healthcare authority around the progress and implementation of the project.

This coordination is relevant to the sustainability of the intervention because the incinerator is intended to serve health facilities within the local primary healthcare system

Moving Towards Completion and Commissioning

The construction is at an advanced stage, with SSDO working towards completing and commissioning the facility before the end of the year.

The Japanese Embassy’s monitoring visit provides an important point of review as the project moves into its final phase.

For SSDO, the engagement also reflects the importance of transparent implementation, regular monitoring, and coordination with relevant authorities when delivering infrastructure projects that respond to practical gaps in the health system.

The focus now remains on completing the outstanding work and preparing the facility for use by health facilities in the LGA.