Derechos de Propiedad para el Progreso
Esta presentción ha sido seleccionada como finalista del desafío
Derechos de propiedad: identidad, dignidad y oportunidad para todos .
Utilizando su red existente, la Iniciativa de Microfinanzas de Mujeres establecerá una educación sobre los derechos a la propiedad de la tierra y el programa de registro de títulos de propiedad para las mujeres rurales de Uganda. Se llevará a cabo en conjunto con el programa de microfinanzas de WMI que actualmente opera a través de siete centros en Uganda y Kenia, que atienden a las mujeres rurales pobres en más de un centenar de pueblos.
Sobre ti
Sección 1: Sobre ti
Nombre
Robyn
Apellido
Nietert
Correo electrónico
Página web
País
Estados Unidos, MD, Montgomery County
Sección 2: Sobre tu organización
¿Esta iniciativa está vinculada a alguna organización establecida?
Nombre de la organización
Women's Microfinance Initiative
Página web de la organización
Teléfono de la organización
3015200865
Dirección postal de la organización
País de la organización
Estados Unidos, MD, Montgomery County
La organización es
OSC/ONG
¿Hace cuánto tiempo la organización fue fundada?
Menos de un año
Sobre tu idea
Título de la innovación
Derechos de Propiedad para el Progreso
Describe tu proyecto o Idea innovadora
Utilizando su red existente, la Iniciativa de Microfinanzas de Mujeres establecerá una educación sobre los derechos a la propiedad de la tierra y el programa de registro de títulos de propiedad para las mujeres rurales de Uganda. Se llevará a cabo en conjunto con el programa de microfinanzas de WMI que actualmente opera a través de siete centros en Uganda y Kenia, que atienden a las mujeres rurales pobres en más de un centenar de pueblos.
País donde se focaliza tu trabajo
Uganda, MBA
Innovación
¿Qué es lo que hace que tu idea sea única?
WMI has unique resources, including a strong village-level network on the ground in hub locations through-out Uganda. WMI already operates a ground-breaking microloan program that provides small, uncollateralized loans to impoverished rural women in over 100 villages and then graduates the women to independent banking in a 36-month cycle. Through a unique partnership with PostBank Uganda, women who complete WMI's training program and succesfully repay their loans are graduated to independent bank loans. They join their country's formal economy as they attain finacial autonomy. The microloan program is administered by a village network of highly cohesive women’s advocacy organizations whose leaders are also borrowers. Using this platform, WMI will be able to distribute educational hand-outs in conjunction with loan issues; facilitate land rights speakers; and, provide assistance in obtaining land titles.
Pairing property rights education with economic empowerment will result in greater gains. Through the WMI loan program, women have been able to vastly improve household living standards and importantly – they are beginning to buy land. They are building assets worth preserving and protecting through formal property documentation and would be vested in the program’s success.
By surveying borrowers every 6 months, WMI documents how microloans are changing rural life, including, equalizing gender relations. Borrowers play a greater role in family decision-making and finances, leading to improved marital relations. Legitimizing land ownership is a critical step for women in Uganda, where only 7% of land is registered to women. Though legal protections exist, few women own land due to entrenched male dominance and patriarchal custom.
Lack of knowledge is the greatest challenge in rural areas. The WMI network has the capacity and credibility to provide services that fill this gap.
¿Tu innovación está patentada/registrada?
Impacto
Esta presentación se trata de
¿Cuál fue el impacto obtenido hasta el momento?
WMI has been highly successful in elevating families out of poverty through its microloan program. Before receiving a WMI loan, 98.9% of borrowers lived on less than 50 cents/day. Within 6 months of receiving a loan, not only does this number plummet to 20%, but more than 60% of the women increase their daily income by 100%, over 20% of the women increase their daily income by 200%, and nearly 15% have gains of 300%. Plus, monthly savings rates double.
The critical aspect of the program's success is the WMI Transition to Independent Banking program, which takes a borrower from first loan to financial autonomy in 36 months. For the first two years, borrowers receive loans from WMI, issued every six months. These loans are offered without the use of collateral and cross-guaranteed through community groups of 20 women. Our repayment rate is 100%. After 24 months, borrowers graduate to loans from a local bank, PostBank Uganda, that are guaranteed by WMI. After 36 months, the cycle is completed and borrowers graduate to completely independent banking. Their loan funds are recycled back into the program to fund a new group. As a result, the program is fully sustainable.
The loan program has allowed women to make concrete improvements to the welfare of their family. 74% of women report a positive impact on their family since entering the program. Over 90% of women now save money on a weekly or biweekly basis. Over 35% of borrowers have made improvements to their house since receiving a loan. 99.5% of women have been able to improve their family's meals since entering the program.
With these economic gains, women need access to more infomation about their legal rights, including owning property. WMI's research data reveals many women are beginning to buy property with business income. Tying land rights education and advocacy to borrowers' microloans will package two important resources that empower women.
Problema
Women in Uganda suffer inordinately from poverty, despite producing 80% of the food and contributing 70% of the agricultural labor. 40 percent of women are illiterate as compared with 26% of men. Women also suffer from customs favoring male dominance. Though women are allowed to own legal titles in Uganda, only 7% actually do. Women thus suffer greatly from gender relations defined by an entrenched patriarchal system.
The problem is largely the result of limited informational channels. Particularly in impoverished rural areas, women are uneducated about their rights under the Amendment to the Land Act(2004), which ensures that a man must have the consent of his spouse before disposing of family land. While some women are aware that they have property rights, they do not know the details of those rights or where to turn for help.
With WMI's microloan program, for the first time, women have access to capital to start businesses. They are utilizing the income to improve living standards for their families. As they acquire assets they buy land. At this critical juncture, land rights education will ensure that they understand how to protect their property.
Acciones
Women's Microfinance Initiative will partner with local experts on land policy to disseminate information to its borrowers and other women in the village who want to learn about their rights. WMI gathers borrowers every six months to apply for loan re-issues. Congregating all of the borrowers from multiple villages affiliated with a particular hub location affords the opportunity to offer them classes on business management, budget-making skills, and any other subjects they may find useful. Because of our pre-existing relationship, WMI will be able to garner attention and respect from borrowers. Using this platform, WMI can run seminars and workshops educating women about land laws and connecting them with other resources where they can turn for help.
The program would have 4 parts:
1. Provide hand-outs on land rights at time of loan issues and follow up loan issues.
2. Present bi-monthly speakers who address land related issues
3. Provide access to land conculatants who can help women obtain legal titles and answer specific land -related questions
4. Coordinate with PostBank branches to provide a land questions resource person at each branch.
Resultados
2011: Women begin to receive hand-outs about land ownership rights when they apply for their first follow-up loans from WMI. Land advocacy experts begin a series of bi-monthly talks utilizing the WMI building. Women begin buying land in increasing numbers with the profits they make from the businesses they launch with loans from WMI.
2012: Women begin utilizing the land ownership consultant to establish titles in their own name to land that they purchase.
2013: Within the next 3 years we would expect the program to be duplicated in other WMI village hub locations. As the WMI loan program expands, so will poor, rural women’s access to resources that inform them and assist them in establishing land ownership. If women are purchasing land but not establishing title even though local resources are available to do so – then we will survey the women about the impediments to establishing land titles.
The results will be documented by survey questions added to WMI's existing semi-annual survey process. WMI Local Coordinators can also provide follow-up to women with land ownership issues.
¿A cuántas personas beneficia tu iniciativa anualmente?
Menos de 100
¿Cuál es el ingreso mensual promedio de la comunidad beneficiada? (en Dólares)
Menos de $50
¿Buscas a través de tu innovación generar incidencia en políticas públicas?
De ser así, ¿cómo
Sustentabilidad
¿En qué etapa se encuentra la innovación?
¿La organización posee un Consejo de Administración o una Comisión Asesora?
¿La organización tiene alguna alianza de colaboración no monetaria con organizaciones sociales?
¿La organización tiene alguna alianza no monetaria con empresas?
¿La organización tiene alguna alianza no monetaria con el gobierno?
Por favor, cuéntanos como todas estas alianzas son fundamentales para el desarrollo de tu innovación.
Land ownership advocates, speakers and consultants could partner with WMI’s loan network to distribute information and assistance to women in acquiring land titles. Government officials attend all WMI graduation ceremonies and celebrations and could be asked to speak about Uganda’s laws protecting and promoting land ownership for women.
Nos gustaría saber un poco más sobre cómo se financia tu iniciativa. Explica tu plan de negocios o modelo de generación de ingresos
Tu historia
¿Cuál fue el momento decisivo que te llevó a desarrollar esta innovación? Cuéntanos tu historia
The defining moment was the realization that in the process of organizing locally administered microfinance programs, WMI has had to develop a village-level distribution network that can be utilized to provide additional services to its clientele. WMI has developed a pipeline to the rural villages it serves. This pipeline is a resource that can be used to provide much needed information and support on a variety of issues that impact borrowers’ well-being and rights. By building human capacity in the villages, WMI has built infrastructure that can support other platforms for change – like advancing women’s land ownership rights.
Cuéntanos sobre la persona que está detrás de este proyecto – el innovador social. Incluye una biografía
Robyn Nietert is the president of WMI. She is an attorney and for over 25 years, she was a member of the Washington, D.C. law firm of Brown, Nietert and Kaufman, which specialized in telecommunications, focusing on innovative wireless technologies. She is also a founder and principal of American Capital Partners Company, which specialized in mergers and acquisitions of high speed broadband facilities, and she owned two-way broadband operations. She represented pioneering telecom industries before the U.S. Congress and federal agencies, and is extremely familiar with crafting federal legislation and agency rules. Over the past several years she has organized several non-profit educational foundations and served on their boards of directors. Since 2008, she has devoted her full-time attention to WMI.
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