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From Small Savings to Big Dreams: VSLAs Powering Farmers in Isi Uzo & Aninri

What happens when young farmers take charge of their own financial growth? In Isi Uzo and Aninri LGAs, the answer is clear transformation.

In 2024, with support from ActionAid Nigeria under the SPA II Project, we helped establish Village Savings and Loans Associations (VSLAs) led by young people. These aren’t just savings groups. They are small, self-managed banks built on trust, community, and a shared vision of economic empowerment.

And now, one year later, it’s time to count the impact.

Why the Share-Out Matters

The VSLA share-out is more than a financial event. It’s the moment when months of disciplined saving and borrowing come full circle. Members get back their contributions, plus interest, and pour it back into their farms, shops, or family needs.

It’s a reflection of what’s working. It’s a chance to learn, grow, and scale.

What We are Seeing

From Isi Uzo to Aninri, the VSLA groups are:

  • Supporting one another with access to interest-friendly loans
  • Investing in farming inputs, trade, and even education
  • Building economic resilience where banks don’t reach

Our team is currently monitoring this process to gather stories, numbers, and lessons that can help scale the model to more communities..

Looking Ahead

Through this monitoring, we hope to:

  • Understand how youth are using these funds to change their lives
  • Document challenges and breakthroughs
  • Make smarter, community-driven decisions for future rollouts

This is what sustainable change looks like – young people saving together, lifting each other up, and proving that with the right tools, they can fund their own future.

We are proud to walk alongside them.

Jacob’s Well Micro-credit Scheme Empowers 29 People

Studies from the Nigerian Economic Summit Group revealed that 91 million Nigerians live below the poverty line. With an additional, eight million people pushed into poverty in 2021. Interestingly, about 60 percent of people living below the poverty line are women. Unemployment, unpaid labor, gender discrimination, and marginalization are mostly responsible for it. 

In many communities, women are largely dependent on their spouses for their financial needs. This dependence is one reason why women fail to report gender-based violence. They fear they’d lose their financial support and become stranded. 

This dependency also means that these women are largely unbanked and would be next to impossible to access loans from traditional institutions. Their lack of access to assets of their own also means they don’t have any form of capital that can suffice as collateral. In our line of work, we’ve seen that this economic disparity engenders gender-based violence. 

Understanding these peculiar challenges, South Saharan Social Development Organization empowers them to be financially independent, thus reducing poverty and dependency. 

One such way we do this is through Jacob’s Well micro-credit scheme. SSDO makes loans available to women in a cooperative at low-interest rates to start or sustain their businesses. The organization empowers these women with no collateral required leveraging the social trust within the cooperative mechanism to ensure compliance across the board. 

In November, 29 loan collectors across three registered cooperatives got loans to grow their businesses. They were trained in financial literacy, risk management, savings culture, business and cooperative management to help sustain and grow the venture.

A sum of 2.85 million naira was disbursed to these women with no collateral required leveraging the social trust within the cooperative mechanism to ensure compliance across the board.

OVC IMPACT: The Numbers

A successful project requires applying skills, processes, methods, and experience to achieve the project’s objectives and goals. Thus, ensuring that the final deliverables are achieved. Throughout the project life cycle, there’s a need for constant monitoring and evaluation of determined milestones. 

The case isn’t different for the 4GATES Orphaned and Vulnerable Children’s (OVC) Project. Federal  Ministry of Women Affairs Heaquaters, Abuja.  Enugu State Ministry of Gender Affairs and Social Development and Caritas Nigeria conducted a joint national assessment. The assessment was to determine progress made on the project, gather feedback for the various government agencies, and use the findings to shape the ministry’s effort toward women and children. 

The assessment was an avenue to review the progress made on the OVC project in the year under review. 

– Over 5,000 children have been registered and provided with food, emergency health, and transport support. 

– 70 beneficiaries have received Income Generating Activity support. 

– 13 beneficiaries received cash transfers. 

– 24 adolescents have been enrolled for vocational training.  

– 110 children enrolled in school.

Households of beneficiaries and facilities were also visited during the assessment.

START-UP KITS PRESENTATION CEREMONY

Beyond health, we understand that all other facets of the beneficiary’s life matter in attaining wholeness. And as such, we do not just focus on their health but also their economic stability.

One way we cater to the needs of beneficiaries is through vocational training. Beneficiaries of the project are enrolled in training programs where participants learn vocational skills and become self-employed.

South Saharan Social Development Organization (SSDO), in partnership with Caritas Nigeria through the 4GATES Orphaned and Vulnerable Children (OVC) Project, is providing support to beneficiaries to enroll in vocational training. After the training, beneficiaries are provided with start-up kits to help get them on their journey to financial independence.

Enugu State OVC Technical Specialist, Mr. Edward Ugba, CCFN OVC Program Officer, Mrs. Wisdom Uso, CCFN HES OFFICER, Mrs. Chisom Iyidiobi, SSDO’s OVC Program Officer Obinna Anyanwu were on hand to facilitate the start-up kits presentation ceremony.

Promoting Women’s Empowerment Through Peer Education

Through years of working on projects at the community level, we realize that women and girls are hugely disadvantaged. They have often been marginalized and segregated to the background on so many fronts in society. Especially politically and economically. We also observe that this marginalization has created a false consciousness in most women. 

Women are now satisfied with the status quo of swallowing their thoughts and ideas when it is clear that their input will make the difference. One of the primary reasons for marginalization is the inequality between men and women in accessing and controlling resources. But even more shocking is that in many communities, women don’t even have control over reproduction. 

The goal is to create an equal society where men and women can speak, and their voices matter. To see a world where women, youth, and children can develop in a politically and socioeconomically correct environment. Where gender equality is prioritized, and women have complete control over their resources and time. 

And as such South Saharan Social Development Organization, SSDO, in partnership with ActionAid Nigeria, seeks to foster women’s empowerment through peer education. This initiative aims to advocate for women’s rights and bridge women’s capacity deficiency at the community level. As well as meet the political, social, and economic needs of women. 

Peer Education Program

A peer education program is a scheme that involves people being taught by facilitators of similar backgrounds. This way, the message is easily absorbed, and the facilitator can communicate clearly on the same wavelength as the participant.

The program was facilitated by Osamudiamen Owens-Akinwale, Advisor Local Rights Programme, ActionAid Nigeria. The training was executed using the Women Peer Education Resource Kit. It covered essential areas such as personal development, health, livelihood and survival, and inclusion. The women were taught the importance of body image, self-esteem, time management, hygiene, skill acquisition, and the dangers of gender-based violence.   

The women’s peer education program was organized in Isiama Community, Oduma Achara, Aninri LGA, Enugu state. The intention is for the training to be cascaded down to other women in the community through the trained representatives. 

Correcting Wrong Notions

“I learned about how to care for the elderly and the importance of child spacing. I also learned that we have the right to stand and contest for election.” – Obodo Victoria. 

Women were better informed of their rights and responsibilities after the training. They were taught valuable life and soft skills to help them be more efficient in their homes and businesses. 

“Before, we believed that if a woman is not circumcised, she would be very promiscuous. I also didn’t see the need for a woman to undergo a cesarean section. But now, I know that female genital mutilation is dangerous to the sexual health of a woman. And that if a woman has labor difficulties that last too long without help, it can be really dangerous.” A woman from Isiama Community.

Importantly, we see that beyond the women learning about their rights, wrong notions which have been held on to for a long time were corrected. Now, the women have the right foundation to build on and groom young girls.