Improving smallholder livestock farmers’ incomes through value chain financing in South Africa

Separating the commercialisation of agriculture from other programmes to improve access to formal credit for smallholder farmers is a source of dramatic failures of most programmes. Despite the popularity of value chain financing, livestock agriculture remains marginalised. This paper analyses the MAFISA-NERPO Livestock Credit Scheme, a scheme which provides value chain financial products in order to improve the cash incomes of smallholder farmers in South Africa. Evidence shows that more than 80% of participating farmers receive average annual incomes of US$30,000. This implies that this scheme has addressed those factors hindering effectiveness and efficiency of smallholder credit institutions, using value chain finance.     

Are savings groups a livelihoods game changer for young people in Africa?

The triad of entrepreneurship, self-employment, and financial inclusion underpins policy and development interventions meant to address the youth employment challenge in Africa. Youth savings groups are being widely promoted as a first step toward financial inclusion and economic empowerment. This article reports on the links between income-generating activities of 57 members of youth savings groups in Tanzania, Uganda, Zambia, and Ghana, and their membership in savings groups. It concludes that while savings groups can help to facilitate operational expenses and cash flow – and thus support members’ micro-enterprises – in opportunity starved contexts their transformational potential is probably being oversold.     

Exploring the interface between community development and cooperative development within South Africa – a challenge of theory,practice and policy

During the past few years within South Africa there has been a proliferation of state-led community development initiatives tasked to form community-based cooperatives. It is into such a context that research was conducted during 2011–13 into how South African community development workers understand and conduct their professional practice in relation to cooperative formation.

Findings from the research consider issues such as: a dilemma of statecraft – working within instrumental contexts; the emotional work required of the practitioner; and, finally, confusing the developmental process. The discussions contribute to both theory-building and practice wisdom, while also contributing to South African cooperative policy.     

Understanding households’ livelihood choices,wealth, and poverty in Accra,Ghana

This article reports on a study that aimed to deepen understanding of the factors which influence livelihood choices, and perceptions of wealth and poverty, in Accra, Ghana. Focus group discussions and household surveys were held in ten selected communities. Although parents are able to influence their households’ livelihood choices, the prevailing socio-economic circumstances are more likely to determine what household members are likely to do. Perceptions of wealth and poverty are influenced by factors both internal and external to households, indicating the complexity and variety of interrelated assets which the poor depend on for their livelihoods.     

Microcredit and development: a multi-level examination of women’s participation in microfinance institutions

International organisations promote microcredit as a tool for socio-economic development by targeting women’s entrepreneurial capabilities. There is limited research, however, on the variation in women’s participation in microcredit in developing nations. To understand this variation, this article examines the relationship between a country’s gender equality levels and women’s microcredit participation. The results indicate that participation is higher when loans are small; however, with increases in gender equality levels, participation decreases. Women in countries with higher gender inequality are limited to very small loans and questionable economic improvements, suggesting that microcredit needs to be utilised contextually to be an effective developmental tool.     

Empowering and shaping gender relations? Contesting the microfinance–gender empowerment discourse

This article critically examines the role of microfinance in shaping gender relations and empowerment outcomes for women. One aim of advancing credit to women is to empower them, thereby increasing their bargaining power and challenging existing gender subordination. We caution against this view and instead show that the mainstream argument is much more complex than what the popular rhetoric preaches. We argue that lack of a systematic strategy to incorporate men and the wider socio-cultural dynamics within which women are domiciled radically constrain the empowerment potential of microcredit programmes, and in some contexts may lead to unintended consequences for women.     

Contribution of parkland trees to farmers’ livelihoods: a case study from Mali

Native species of trees and shrubs contribute significantly to farmers' livelihoods by supplying food, medicinal products, fodder, and wood. In the case study reported in this article, this contribution to farmers' annual revenue varied from 26 per cent to 73 per cent, and was as high as US$ 650 a year for households for which agroforestry products were the primary source of revenue. Household consumption was not quantified in the study, but farmers' comments confirmed that native trees also played an important role in assuring food security, especially in the ‘hunger period’ when grain stores are low and farmers are waiting for the next harvest.