"A donation of £50,000 would achieve..."

Here are some headline impacts which a donation of £50,000 to our partners would achieve:

  • An additional 1,600 microentrepreneurs accessing microloans in Niassa, northern Mozambique (a province the size of England which currently has just 6 bank branches)
  • 5,500 more people with savings accounts in northern Mozambique, enabling them to manage seasonal incomes and protect themselves against poor harvests, sickness etc
  • 19,250 lives insured in northern Mozambique
  • 9,000 community members receiving financial literacy and business training in northern Mozambique
  • 7 new Credit/Training Officers delivering training to 2,100 women over a 12-month period in Malawi, giving them the skills and confidence to expand and to improve their businesses, increasing their household income
  • 1,272 loans made to women in rural Tanzania to start or expand micro-businesses
  • 636 new savings accounts opened by women in rural Tanzania, many living so far from a bank that they have never had a safe place to save before
  • 3,600 women receiving ongoing business training and mentoring in rural Tanzania

In each programme, we will produce regular monitoring and evaluation reports based on the Grameen Foundation’s Progress out of Poverty Index and other tools – but even better, you can do your own evaluation on an Arcubus Experience trip. Come and see the impact for yourself!

The Impact of your Experience

Whatever project your team undertakes in Africa, you will have a genuine impact on the people you meet. It might not be in the way you think, though – sometimes a 5-minute conversation you have with someone on women’s rights can have more impact than all your professional skills… But we will tailor-make an Arcubus Experience to use your team’s particular skill set where we can.

Whether you are delivering training on marketing, business planning or change management; helping staff adopt new technologies, policies or processes; suggesting ways to add value or streamline systems; even playing with hoards of children whilst waiting for a meeting to start… We guarantee you will make a difference when you share your time, skills and enthusiasm in one of our communities.

Giving your time often costs more than giving your money; it takes a special kind of person to spend a week or two in a remote village or frenetic city in Africa when there are so many other holidays you could spend your time and money on. It’s worth it though! Of course we are also requesting a financial contribution alongside your time and skills; contact us for more details.

We have selected projects in Tanzania, Mozambique and Malawi where your donations will have maximum impact in 3 areas: reaching rural, financially-excluded women; expanding business training and mentoring; introducing mobile banks. Read more information on each of these projects, and the needs of the countries, through the links in the sidebar (right).
Social capital created by Arcubus scheme
In each programme, we will produce regular monitoring and evaluation reports based on the Grameen Foundation’s Progress out of Poverty Index and other tools – but even better, you can do your own evaluation on an Arcubus Experience trip. Come and see the impact for yourself!

Building Mobile Bank Branches in Northern Mozambique

Partner:

Opportunity International

Needs:

  • Mozambique is ranked 185 out of 187 countries in the UN Human Development Index.
  • Life expectancy in Mozambique is 50.7 years.
  • 60% of the population live on less than $1 per day, GNI per capita is $906 (PPP).
  • 39% of the population are undernourished.
  • 1 in 8 people aged 15 to 49 are HIV positive.

There is also significant financial exclusion: Mozambique has only 344 bank branches for its population of 21.6m and the northernmost and poorest province, Niassa, is the size of England and has just 6 bank branches. The majority of people have no way to save money securely, borrow money in times of crisis (to pay hospital bills, for example) or invest in their business. This severely reduces their chances of escaping the cycle of poverty.

Your impact:

Your donation will help to fund one new permanent bank branch in Gurue and one mobile branch (a bank on wheels) which will travel into rural communities to bring financial services to people who live too far from Gurue. The new bank branch together with the bank on wheels will enable 3,850 people to take microloans, 5,500 people to open savings accounts and 19,250 people to take out life insurance and 8,925 people to receive financial literacy training. It will create or sustain 5,775 jobs and reach 21,175 direct and indirect beneficiaries.

Statistics from UN Human Development Index, UN MDG data and World Bank.

Expanding Business Training and Mentoring in Malawi

Partner:

The MicroLoan Foundation

Needs:

  • Malawi is ranked 170 out of 187 countries in the UN Human Development Index.
  • Life expectancy is 54.8 years and GNI per capita is $774 (PPP).
  • 74% of the population live on less than $1 per day and 23% are undernourished.
  • 1 in 10 people aged 15 to 49 are HIV positive.
  • Educational standards are low; adults have received a mean of 4.2 years’ schooling; rates of illiteracy are far higher amongst women (40%) compared to men (21%), and far higher in rural areas (34%) compared to urban (10%).

Hence this project targets rural women.

Your impact:

Your donation will help to roll out a new training programme to 4,500 women microentrepreneurs across 5 branches in Malawi. This will enable the women to improve their businesses, increase their profits and support their families better. Over one year, 2,100 women and their small businesses will benefit. Assuming 4 dependents per woman, 10,500 people will benefit directly and indirectly.

Statistics from UN Human Development Index, UN MDG data and World Bank.

Reaching Rural, Financially-excluded Women in Tanzania

Partner:

Five Talents

Needs:

  • Tanzania is ranked 152 out of 187 countries in the UN Human Development Index.
  • Life expectancy is 58.9 years.
  • GNI per capita is $1,383 (PPP). 68% of the population live on less than $1 per day and 38% are under-nourished.
  • 1 in 20 people aged 15 to 49 are HIV positive.

Financial exclusion is high; only 17% of the population have a bank account, and only 14% of women. There is great disparity between rural and urban dwellers; 40% of urban dwellers have a bank account but only 14% of rural dwellers do. 6% of the rural population took a loan in the past year compared with 9% of the urban population; 37% of the urban population used a mobile phone to send money and 46% to receive it, compared with 17% of the rural population (sending money) and 16% (receiving money). 35% of women saved any money in the past year compared with 45% of men; 37% of rural dwellers saved compared with 54% urban.

That is why this project targets women in rural areas.

Your impact:

Your donation will roll out financial services – microloans, savings and business training – to 1,272 women over 12 months. This will create or sustain 1,017 jobs and, assuming 4 dependents per client, will reach 6,360 direct and indirect beneficiaries. The women served by your donation will all be rural dwellers who live too far from a bank to benefit from formal financial services. Five Talents aims to introduce mobile money technology to these rural branches so that loans are made and repaid, and savings deposited, through clients’ mobile phones. This will make it much easier to reach the most excluded women and villages.

Statistics from UN Human Development Index, UN MDG data and World Bank.

The Benefits to Your Company

Benefits to your company of supporting microfinance in countries where you work:

  • A reliable and cost-effective means of encouraging economic development and growth.
  • Builds financial infrastructure (banking networks and financial services) in less developed countries, making business and trade easier
  • Improves financial literacy, educational standards and employability amongst the local population, giving your company a larger employment pool
  • Raises living standards, health and nutrition amongst the local population
  • Creates your future customer-base and markets
  • High-profile, tangible and visible marketing and CSR opportunties, both in the UK and overseas
  • UK employees can share their skills with micro-entrepreneurs via the Arcubus Experience; find out more here

Read about Project Outcomes

 
Shida, client of the Mama Bahati Foundation in Tanzania

Mama Bahati client Shida can afford to send her 6 children to school, having started out with a £20 loan for dress-making fabric.