- Financial Services
Helping the Poorest of the Poor
Assuring coverage for those most in need
All Karimu projects are designed to uplift the community as a whole. This is why we don’t have a model like other charities sponsoring specific children or women. We know that we have made substantial gains across the Ayalagaya community, e.g. a reduction in gastrointestinal disease due to supplying clear water for free, significant academic performance improvement based on many school investments, improved health of mothers and babies due to health care initiatives, etc. Nevertheless, we wanted to look for those individuals in the community with the least to assure that they have access to our programs and that the benefits are reaching them. To that end this project will assess Karimu’s impact to date for this population and identify whether there are adjustments that can be made to our programs to increase the impact to those most in need.
In order to ensure an unbiased evaluation of our programs, we assigned this project to four brand new volunteers from Europe with advanced degrees in business and finance with no history with Karimu. They solicited information from local leaders and government to identify the poorest households - 344. They further filtered the list based on those individuals demonstrating greater means e.g. having a private water point or home electricity or a charcoal cooking stove, etc. leaving 266 households. These households were surveyed to understand their income distribution as well as other non-quantitative factors (e.g., what assets they own: land, phone, stove, mattresses,...). Of those the average weekly income of the family was 1,876 Tanzanian Shillings, or less than $1/week! (The poverty line according to the World Bank is considered $1.90 per day.)
From those surveyed we learned:
Over 80% of these homes are headed by women
41% of the households are headed by an elder over 55, many of whom cannot work
Those households raising disabled children were particularly challenged since disability is stigmatized and children are kept at home meaning a parent needs to be at home with them limiting their ability to work
From those that were among the poorest among those surveyed (32 households) we conducted longer interviews to understand whether and how they are benefitting from Karimu’s investment. Benefits they recognize include:
The average distance to the closest dispensary has almost been halved.
The availability of medicine has improved.
Non-critical medical services are now handled at one of the in-ward dispensaries rather than requiring travel to a neighboring ward (often not affordable by the poorest families)
Time needed to get water was reduced by almost half with most now using free, clean, public water points within 500M of homes
Improvement in education was recognized by all as among the top contributions from Karimu.
The households most in need of additional support are:
Those families raising a special needs child
Households headed by elders who do not receive support from the extended family
We believe that the new special needs hostel at Dareda Kati Primary will address the former group.
We are currently (4Q2022) assessing all of our programs to see if any further special accommodations could be made for these families. Our newest income projects look quite promising.
Ensuring that those in most need of help are receiving it
Karimu cost: $2000
Community cost and/or contribution: None identified