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Story
Members of the Bed ki Gen Dream Girls VSLA group holding samples of their
reusable menstrual pads. On the right chairperson Victoria Akot.
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“In the beginning, our group was only focused on improving the
incomes of its members by engaging in four main activities: liquid
soap making, bar soap making, chair and tent hiring, and making of
reusable menstrual pads” says Victoria Akot, the group’s
chairperson. Victoria goes on to explain that now, the group has
added a WASH loan to their portfolio, and they are also raising
awareness on menstrual health in schools and communities.
The money is saved in the group’s bank account which has three
signatories: the group’s chairperson, the secretary, and the
treasurer. Upon assessment of a loan application by the group’s
loan committee, a member can borrow up to a minimum of UGX
100,000 and a maximum of UG 500,000, at an interest rate of 10%
per month. As of April 2023, the group has accumulated savings of
UGX 3,800,000 in the group bank account.
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for groundwork to be laid before such a product could be
introduced. This included enhancing the capacity of the group to
manage their money and the lending process through trainings on
the WASH value chain financing, resource mobilization, credit
management, marketing of WASH loan products, and risk
management.
According to Josephine Ajalo (33 years old), the group treasurer for
the past four years and the first beneficiary of the sanitation loan
product, the financial management sessions with HEWASA
introduced the group to better ways of keeping their business and
financial records which resulted into easier follow-ups of their
different business ventures.
Simavi colleague Hanifah Kasule (in the middle) interviewed the Bed ki Gen Dream
Girls
About Bed ki Gen Dream Girls
The group was started in 2018 in Alupere ward of Kalongo town
council in Agago district, under a USAID funded programme.
Presently, it has 39 members, and it is registered as a Village
Savings and Loans Association (VSLA). The group is managed by
a democratically elected committee with the following positions:
chairperson, secretary, treasurer, 2 money counters, a two-person
loan committee, mobilizer, and 2 timekeepers.