The Plus FINAL_SBM_121911
Transcription
The Plus FINAL_SBM_121911
the Plus! Newsletter A newsletter for the PSNP Plus Pilot Project (2008-11), implemented in Ethiopia by a consortium of International and National NGOs, led by CARE and funded by USAID. Volume 1, Issue IV December 2011 Message from Chief of Party Jay Banjade INSIDE THIS ISSUE: MESSAGE FROM CHIEF OF PARTY 1 PSNP PLUS: BEYOND HOUSEHOLDS 1 EDITORIAL 2 GENDER IMPACT: SHOCK PROOF ASSET 2 PRIVATE SECTOR INTERVIEW: LUNA EXPORT 3 CASE STUDY: FARMER CLAIMS DOCTOR STATUS 5 MULTIPURPOSE FARMERS COOPERATIVE 6 The PSNP Plus consortium is pleased to welcome you to this final issue of ―The Plus‖. In this message, I would like to give you a brief update of the project, and then direct you to our various publications that present evidence on the project achievements and key lessons learned in technical as well as management and leadership areas. These lessons will be very useful to improve the performance of the Government of Ethiopia’s Household Asset Building (HAB) program, USAID Ethiopia’s several food security initiatives (such as GRAD, LGP, AGP), and various food security programs being implemented around the world under President Obama’s Feed the Future initiative. I will also introduce you to another of USAID’s innovative programs, Graduation with Resilience and Development (GRAD) program, that will build on the efforts and lessons of the PSNP Plus pilot project. PSNP Plus is a USAID project de- signed to assist food aid recipients graduate out of the government’s safety net program by improving their access to financial services and functioning markets. The program also places strong emphasis on learning and dissemination of the lessons that work in lifting households out of extreme poverty. The project has been able to achieve all of its activity targets as well as make considerable achievements towards outcomes and intended impacts. For example, the Multi-Stakeholder (continued, page 4) STAFF ACKNOWLEDGEMENT 7 FACES OF CHANGE: STORIES IN BRIEF 8 For more information contact: CARE Ethiopia PO Box 4710, Addis Ababa, Ethiopia Tel: +251 11 618 3294 Fax: +251 11 618 3295 Email: [email protected] www.care.org.et PSNP Plus: Going Beyond Households Mustafa Gemal is the chairperson of Ifa Gemchu, meaning ―light for Gemchu‖, a primary cooperative in the Gemchu Dusse kebele of the Meta woreda. The cooperative distributes cereal and white pea bean seeds and honey supplies for PSNP Plus participants in those respective value chains. Mustafa explains that the cooperative was established by volunteers about six years ago; however, following its involvement in the PSNP Plus project, the cooperative formally organized and got a license and government recognition as a legal entity. This change in status provided the cooperative the opportunity to be linked to a union and to work closely with the woreda and zonal cooperative promotion offices. With the aim of expanding and improving the services that Ifa Gemchu offers, cooperative members received training from the PSNP Plus project. For example, the cooperative has benefited from a project-organized workshop on warehouse management and have been trained on how to manage the quality of white pea beans in order to meet exporter demands. Members also had the opportunity to Anna Koob go on an exposure visit to Melkassa Agricultural Research Center in Nazaret to learn about new white pea bean seed varieties. Mustafa appreciates PSNP Plus’ contribution to building members’ capacities through trainings, exposure visits to research centers, and other related support. He describes the outcome of their learning, ―Initially, CRS, the partner implementing the project in the woreda, brought im(continued, page 4) THE PLUS! E DITORIAL Melat Getahun, KM Advisor, SNV Finally we have come to the end our PSNP Plus journey together! PSNP plus has been the bond that brought our experiences and expertise together to dare and try a new approach that has never been attempted in addressing the challenges of food insecurity. I can say that, as a consortium of diverse backgrounds and expertise, we have managed to put together what we have in order to change lives. We have learned a lot about partnerships and the different approaches adopted by consortium members and have capitalized on our lessons to excel. We’ve been sharing and learning from one another and from other external partners and have managed to bring our project to a higher level. I believe our innovations and the strong collaboration we established between government, private sector, research, and other key institutions will continue beyond the project and give other food security programs the strong institutional backing they deserve. In this last issue, we have PSNP Plus stories going beyond households to working with and through cooperatives and unions as development partners. We also have a follow-up story on ―Dr. Paulos‖, our colony multiplier extraordinaire from Doba. The successful market linkage created between the Luna Export meat processor and the producers in Dale and Loka Abaya area also included. To learn how the private sector perceives business engagement with food insecure households, we have an interview with Dr. Retta Negatu, the general manager of Luna Export meat processing plant. Lastly, we give a final view of the project’s contribution towards women’s empowerment and livelihood improvement. As this is the last issue of our newsletter, I would like to take this opportunity to thank you all for sharing not only your expertise and passion but also the lessons you picked up along the way. We look forward to the opportunity to apply the PSNP Plus lessons as we transition into a new phase with our new project, GRAD, in the ongoing effort to graduate PSNP households. With best wishes for continued learning, sharing, and success as we strive to link poor, rural households to microfinance and markets…enjoy! 2 “PSNP Plus Has Given Me A Shock Proof Asset” Meron Kelemework, Project Officer- CARE/CCU ―In my experience, I think women can think and do as good as men but lack access to resources and knowledge. But if we are given these opportunities, I believe women can go further than men,‖ says a female PSNP Plus participant from Sidama. In a patriarchal society, even among the educated and the rich, a woman is often seen as being subordinate to a man. Yet, among the illiterate and the poorest of the poor, the PSNP Plus project has proven that this can change, and knowledge is the key in making it happen. Preliminary findings of the gender impact study conducted for the PSNP Plus showed that, after the establishment of VSLAs, women have reported a significant increase in self-confidence and self-esteem. Through entrepreneurship and business skills training, women have learned to choose, think and act for themselves. They make their own decisions as to what income generating activity they would like to pursue, how much they would like to borrow, and how to manage their own businesses. ―Before my involvement in the project through VSLA, I was practically my first husband’s servant. I could not even leave the house; I had to stay home and cook. I had no rights. He controlled everything. He would even go to the market to get what we needed for household consumption. I was very shy and could not express myself. Ever since my involvement in the project, my life has changed. I now go everywhere. I make decisions in the household, I am confident now. I have started 16 VSLAs!‖ claims a married female PSNP Plus participant. This is true for a significant number of women who participate in PSNP Plus. Most female project participants now have increased incomes and productive assets. Their capacity to lead, speak out, and bargain power over household resource allocation and other decisions has changed drastically. Their husbands are now taking on more gender equitable attitudes, accepting women’s decisions to join VSLAs, and recognizing and respecting their economic and social contributions. In supporting this claim, a VSLA member’s husband stated, ―Before my wife joined the VSLA and proved that she can save and support the family efficiently, I hid it all my money; managed it on my own. Now, I give all the money to my wife. I’ve learned from PSNP Plus that it is important to save. My wife saves better than me, so now I’ve given her the full responsibility of managing the family’s resources‖. Armed with PSNP Plus tools and directions for changing their lives, and with support from their husbands, women are educating themselves, one another, and the future generation. Men are proudly stating and advising other men to work hard together with their wives. Realizing the value of education, parents are now enrolling their daughters in school, aspiring to send them to college. ―I am surprised at how this project helped us change our minds and how that has helped us change our lives. The project has given us knowledge and that is a shock proof asset!‖ - Alia Abraham, a beneficiary from Kurfachelle. VOLUME 1, ISSUE 1V The Private Sector Perspective on Working with the Food Insecure AN INTERVIEW WITH DR. RETTA NEGATU BY SELAMAWIT HAILEMICHAEL, SNV GENERAL MANAGER, LUNA EXPORT SLAUGHTER HOUSE Luna Export Slaughter House is the leading meat exporter in Ethiopia, with eight years of exporting experience as well as local market experience with shoat (sheep and goat) meat. The objective of the organization is to produce export quality meat, such as cattle, goat, sheep, and camel meat for human consumption. The company’s holding ground can accommodate 300 cattle and 10,000 sheep and goats; includes a feeding pen, quarantine area, veterinary service, animal feed production and animal receiving and weighing area. The company is exporting its products to different countries, such as Saudi Arabia, Dubai, Yemen, Bahrain and Egypt. Currently, Luna is working with producers in the Dale and Loka Abaya woredas of Sidama through a market linkage facilitated by PSNP Plus. The Plus! had a brief interview with Dr. Retta Negatu, the general manager of Luna, on how this market linkage was initiated, the lessons learned during the process and the way forward. The Plus! How did you start the business engagement with the PSNP Plus households in Sidama? Dr. Retta: The way our company started businesses engagement with producers in Sidama was different from the business engagements we had in other areas. One of the reasons for this was the fact that the Sidama producers are smallholder farmers located in food insecure areas. The other difference is that the market linkage between our company and the Sidama producers was a successful linkage facilitated within a short period of time. For the past eight years, we’ve been trying to establish sustainable and reliable business linkages with producers in different localities. Unfortunately, we were not successful. We had meetings and agreements in different areas through the help of so many NGOs, like VOCA, AGAFARI, ELAMTU, JACARANDA, CARE, ACORD, and ELRI, but were not successful in creating sustainable linkages. Several months ago, an opportunity presented itself when we participated in a PSNP Plus organized Multi-Stakeholder Platform meeting and learned that market linkage is possible with producers in Loka Abaya and Dale. SNV facilitated the market linkage between our company and the Sidama producers. This opened our eyes in terms of the sources of shoats for processing. Our company has never seen food insecure woredas as potential areas for possible market linkages, but the PSNP Plus project proved us wrong. Currently, we are getting shoats that meet export requirements from the Sidama producers, and the results are fantastic. The Plus!: What were the major lessons taken from your engagement with food insecure households? Dr. Retta: For business engagements to work there must be strong facilitators like SNV. Facilitators must be knowledgeable and should be ready to support the two parties. We have learned that, for a sustainable market linkage, the two parties have to learn about each other through trainings, tours, and meetings. We have also learned that working with the poor requires understanding their specific context and needs. The Plus!: What are the possibilities for you continuing to work with these food insecure woredas? Dr. Retta: As our company is satisfied with the results of the business arrangements so far, we would like to continue working with these producers. For this to happen, however, facilitation of the market linkages has to continue through a strong intermediary, especially for new negotiations that take place after this experience. 3 THE PLUS! Message from Chief of Party (continued from cover) Platforms initiated through the project have proven to be an innovative and effective means to enhance Business-2-Business (B2B) relationships and improve the enabling environment. The microfinance activities have shown that credit can be delivered to the poorest both profitably and sustainably. Village Savings and Lending Associations (VSLAs) promoted by the project have proven to be an excellent foundation to deliver various social services including education, HIV /AIDS, nutrition, health and livelihoods education. VSLAs have also demonstrated to improve resiliency in the face of recurring droughts in Ethiopia. Evidence shows that participation in PSNP Plus has allowed many beneficiaries to diversify their livelihoods, increase income and accumulate assets over a relatively short period of two to three years. Another area of significant achievement and learning has been the building of the consortium and its management to ensure accountability, motivation, active participation, and effectiveness. These are just a few examples; for details on the achievements and lessons of PSNP Plus we invite you to consult the articles of this newsletter as well as our numerous publications (Longitudinal Impact Study reports, Case Study reports, Gender Study, Combination and Sequence of Interventions Study, Graduation Study Report, etc.). The PSNP Plus project will be followed by USAID’s GRAD project, which will be implemented by a consortium of various local and international NGOs (CARE, SNV, REST, Tufts, ORDA and CRS) and led by CARE. GRAD builds on the lessons of PSNP Plus and foresees to work more closely with the Government’s HAB Program and USAID’s AGP, LGP and other Programs as well as with various microfinance institutions, insurance agencies and the private sector in general. If things go according to plan, we will welcome you in our first issue of ―The GRAD‖ as early as the first quarter of the New Year 2012. PSNP Plus: Going Beyond Households (continued from cover) The cooperative began distributing the white pea bean seed last year and has quickly become involved in helping farmers build market access for this product. Furthermore, representatives of Ifa Gemchu cooperative have participated in quarterly white pea bean Multi-Stakeholder Platforms (MSPs), events which bring all the key actors together. Related to the benefits of these activities, Mustafa stated, ―We appreciated the opportunity [MSPs] because we were able to talk to other stakeholders in the government and in the private sector. It motivated us to improve the quality of the white pea beans we had been producing. We also were able to visit the warehouse of ACOS, one of the biggest white pea bean exporter companies. Right now, we are focused on upgrading the skills and knowledge of the community to improve the quality of the white pea beans that come to our warehouse.‖ Cooperative members engaged in the honey value chain have received training on beehive management, colony multiplication, and colony transfer practices, which Mustafa says has been very helpful in expanding that value chain in the ke4 bele. The PNSP Plus project also provided building materials and hired masons, a contribution which allowed the community to build a new warehouse two years ago. According to Mustafa, the cooperative has experienced two significant successes because of PSNP Plus. First is an expanded service area: “Before the project we didn’t have a vision for the future. After being attached to PSNP Plus and receiving trainings, we have indentified areas we can expand into and other actors that we can work with. Initially we were confined to this village, but now our range of services extends to seven other kebeles.‖ Second, Mustafa attributes the relationships that the cooperative has been able to develop to PSNP Plus. ―Now we’ve built relationships with other market stakeholders. Even if the project phases out, we know where to find improved seed varieties and where to sell our products, and we’ve established trusted relationships with top-level actors such as unions and exporters.‖ Finally, Mustafa mentions a PSNP Plus contribution to WASH that often gets overlooked. Under the WASH component, Mustafa’s community is in the process of developing a spring, including a five-kilometer pipeline, so that clean water is easily accessible to those living in the village. Mustafa expects the benefits from WASH to be a vast improvement over the current system, ―My community has been suffering from poor water supply. We’ve been fetching our water from a pond from which both humans and livestock get their water.‖ Such an arrangement has made many people in the community sick. So, concerning the new spring development, the initial survey process has recently been completed and now the community is mobilizing labor in order to build the infrastructure. “We think the project will be completed soon,‖ says Mustafa, ―but the motivation of the community triggered by the project will go on.‖ VOLUME 1, ISSUE 1V “Dr.” Paulos: A Humble Farmer Who Claimed Doctoral Status Nicholas Nyathi, SNV Paulos, 43, who comes from the Urji kebele, completed his elementary education in Asebe Teferi but could not complete 9th grade because of a lack of funding. He was among the community members who were unable to feed their families due land shortage and fragmentation issues which caused low production rates. Prior to 2005, Paulos, his wife, Elsa, and their children led a very difficult life. The only animals they owned were two chickens. They barely had clothes to wear or food to eat. Paulos was forced to engage in daily labor in order to earn additional income, while his wife managed their small farm. He and his seven member family were fully dependent on his parents until the kebele administration gave him a small piece of farming land. Then in 2004/2005, the Productive Safety Net Program (PSNP) started in the area for those who had little or no means of income. Paulos was one of the chosen farmers. He started getting food items, cooking oil, and nutritious food for the children. He also participated in other projects such as HIBRET and HIWOT. These projects enabled the family to start engaging in a Village Savings and Loans Association (VSLA), where they were trained on savings and credit. Elsa specifically mentioned that the training she received on saving and family planning was a turning point for her whole family. They immediately became more cautious about limiting their family size. Paulos, meanwhile, was able to take a brief theoretical training about modern beekeeping provided by CARE for the safety net program. Therefore, when the PSNP Plus was launched in 2008, Paulos was selected to start business activities in the honey value chain. In 2010, Paulos received technical training on beekeeping. He and 28 other participants were trained for 21 days in the Hades kebele by Dr. Nuru, a renowned apiculture expert. The intensive training covered both theoretical and practical aspects, from learning queen rearing techniques to making transitional bee hives. This time around, Paulos was able to fully grasp all critical knowledge. After the training, Paulos managed to multiply colonies from one hive into three. He then applied his skills to teach his neighbors about colony multiplication. He demonstrated how to transfer the bees from his old traditional hive to the modern hive he obtained through the project. After seeing how Paulos multiplied the bee colonies, his neighbors were motivated to engage in colony multiplication. Paulos then helped nine of his neighbors make 15 transitional bee hives, which are easier to manage than traditional hives, more accessible for women, and yield an average 15 more kilograms (kgs) of honey than the traditional bee hive. Paulos continued helping the people in his kebele, making 155 more transitional bee hives, and sharing his training knowledge with residents of 10 other kebeles. Even though many people took the training, only two people (one of them being Paulos) excelled at putting what they learned into practice. Seeing his substantial achievements after the training, the project continued to support Paulos. He participated in a ten day training in Dire Dawa, led by Ato Ayalew, another renowned honey expert. This experience helped him solidify his previous learning and receive new technical skills on colony multiplication. He also received a manual for further reference. After completing this training, Paulos was identified as a model beekeeper and PSNP Plus provided 20 bee hives, 50 nuclei boxes, 75 kgs of sugar (which is used as bee food), protective cloth, and other supplementary materials. He started multiplying again in July 2011 and has multiplied 30 colonies so far. He also began selling colonies to his neighbors at more than 600 ETB per colony, thus creating a new livelihood option for himself. Paulos is one of the farmers who participate at Multi-Stakeholders Platforms (MSPs), interacting with government, cooperative, and processor representatives, research centers experts and others, higher officials, and academics, to name few. He gained confidence through participation in such events. In one of the MSPs when he was sharing his experiences, Ato Paulos claimed that he equipped other farmers with skills using the same process and producing the same quality as the doctor (―Dr.‖) who provided him with the skills during a training. He then asked the audience whether it was not honorable for them to also call him a ―Dr.‖. Following this remark, he is now known as ―Dr.‖ Paulos. ―Dr.‖ Paulos plans to sell colonies so that his income will increase to 30,000 – 50,000 birr per year from the colony multiplication business. ―Dr.‖ Paulos has managed to build livelihood assets, transforming himself from a food insecure individual to an entrepreneur. The family now owns 3 cows, 6 oxen, 3 young bulls and 10 chickens. In addition to the knowledge he acquired through the trainings, the credit-based material support, and the proposed money he hopes to obtain from selling his colonies, ―Dr.‖ Paulos has also learned a big lesson because of the entire experience. By observing the bees, he has learned the value of hard work and dedication. Seeing how hard they work has been a great inspiration for him to try even harder and achieve better results because he now knows that if one works hard success is inevitable. Though Paulos and Elsa have been married for many years, through the project, they are now able to work together and listen to and support each other on every aspect. ―Dr.‖ Paulos mentioned that his wife has been an inspiration to not only him but also to the women who live in the neighborhood. According to him, Elsa is a hard working woman who has taught her peers about the value of hard work. Therefore, together with his wife, ―Dr.‖ Paulos believes that they will change their lives for the better. 5 THE PLUS ! Interview with Medhin Mekonnen Anna Koob Manager of Dire Multipurpose Farmers’ Cooperative Union Made up of 38 primary cooperatives and representing 6,000 individuals, Dire Multipurpose Farmers’ Cooperative Union delivers credit and farm inputs to PSNP Plus participants in the region and has been working with HCS (Hararghe Catholic Services), the implementing partner, for the past year. Two years ago, a coalition of primary cooperatives formed the union in order to solve market and financing problems that their members were experiencing. Shares in the union sold for 1,000 ETB and, at the end of the year, the union’s profits were divided among stakeholders with the amount disbursed based on ownership shares and patronage. The union is careful to prioritize patronage to avoid adopting a corporate set-up in which large shareholders have inordinate power over the organization. The union structure is also designed to ensure that it represents its members. Each of the 38 cooperatives elects one person to serve in the union’s General Assembly. In turn, the General Assembly elects nine people to serve on the Board of Directors. The board then elects a manager. In an area where chronic drought means interventions involving improved seed will not be very successful, the small ruminant fattening value chain is especially popular. In the past year, DMFCU has delivered four million ETB through primary cooperatives to allow PSNP Plus households to purchase livestock. Interest rates through DMFCU are 8.5% and are semi-annually compounding. This rate is often more generous than local MFIs which can charge more than 13%. Of this interest, the primary cooperatives receive 20% as a commission. Through the Dire Dawa cooperative system, the small ruminant fattening value chain has reached more than 1,000 beneficiaries, each receiving a minimum of three shoats. 500 beneficiaries have received oxen, for which a 10% down payment is required. While many beneficiaries organized under VSLAs have received trainings on savings and credit repayment and generally have very high repayment rates, there has been a tendency among those not involved with VSLAs to treat the livestock loan as a grant. In order to improve repayment rates, DMFCU has employed a number of tactics. First, they have tried to create a stronger sense of ownership among individual farmers, clearly articulating that the union belongs to and acts on behalf of its members and is severely weakened by continuous non-payment. Second, the union has created a competition among primary cooperatives. Each year, the union selects the three best cooperatives, based on measures of good performance, such as capital and repayment history. The union then invites well-known government officials to present awards to these unions and rewards the winning cooperatives with exposure visits to successful cooperatives in other regions. As a result of these efforts, the repayment rates have increased. The general lesson of this approach is that, while such incentives help, building a sense of ownership among members was vital to the success of the union. The union and its primary cooperative members have also been involved with PSNP Plus’ honey value chain. One difficulty that honey producers face is that traders are more interested in collecting a large volume of the product at one time than they are in working with individual farmers. This point is where the cooperative system can help. DMFCU recently collected 250 kilograms of honey from beekeepers. The union then semi-processed, labeled, and sold the honey to larger market actors that individual producers do not have access to. The benefits to farmers were twofold: not only did the union come directly to them for honey collection, but, by selling in bulk after the union contributed value-added efforts, they hope to have sustained access to a reliable market. In the next five years, the cooperative union plans to invest in a honey processing plant to improve the quality of their clients’ honey. This plan has boosted farmers’ confidence in the honey market and encourages them to produce more. Finally, under PSNP Plus, DMFCU is beginning to provide loans to VSLA members for larger amounts than they are able to receive through their groups. As Medhin sees it, “VSLAs are very strong. They are very bonded, financially literate, and are not afraid of the risks of credit. They have a positive view towards loans.” He has been incredibly impressed with the success of VSLAs, noting an instance where a 6 VOLUME 1, ISSUE 1V When asked to explain the union’s success, Medhin returns to the sense of ownership among members. For example, the government used to extend credit to farmers for farming inputs such as fertilizer, selected seed, and water pumps, but now the cooperative union provides these services. When the government was in charge of disbursing the loans repayment rates were very low, and it failed to collect eight million ETB. The cooperative union, however, is experiencing more success with repayment rates. While the cooperative union providing extension services such as repayment training (so that farmers know exactly how much they owe) is beneficial, the critical motivator for repayment is the understanding that the union really is working for them. As a very new organization that is still building its capacity and resource base, the union has experienced some challenges in trying to provide all the services that it would like to. However, working with PSNP Plus has allowed the union to expand its reach while providing visible benefits to clients and PSNP Plus beneficiaries. The conclusion is clear: DMFCU and PSNP Plus is a winning combination! Photo: Susana Moreira/ CARE Ethiopia VSLA even provided a primary cooperative with a loan of 15,000 ETB. With these results, Medhin forsees a future where the union will use their own funds to provide these loans—currently HCS and PSNP Plus are providing the money and using the union to oversee the disbursement and repayment. ―Formerly we weren’t even aware of these groups, but thanks to PSNP Plus we are. We want the VSLAs to be involved in our cooperative structure, not only to support them but because they are good business partners for us.‖ Final Learning Event, Addis Ababa, Dec 12, 2011 Staff Acknowledgement We would like to acknowledge the efforts of all stakeholders in the success of the PSNP Plus Project. First and foremost are more than 50,000 PSNP households the Project worked with to improve income and assets leading to graduation from food aid. The staff of the PSNP Plus Project from various consortium partners (Tufts, SNV, CRS, REST, SCUK and CARE), from the frontlines to country and head offices, deserve much appreciation. Without their tireless efforts we would not have been able to overachieve almost all targets despite slow start, droughts, poor rains and other challenges. We are grateful to various government officials from federal, regional, woreda and kabele offices. They worked hand-in-hand with us to achieve these targets and impact. USAID deserves much appreciation not only for the financial resources but for the close engagement in the implementation of the project and for providing strategic guidance along the way. We also would like to thank various partners such as the private entrepreneurs, trade associations, other NGOs and donors, research institutions, training organizations, universities and consultancy companies who have been a part of this success. - PSNP Plus Consortium Coordination Unit Management 7 Faces of Change: Case Study Snapshot Zewudu Molla, a 49-year-old married father of five participates in PSNP Plus on three fronts: shoat fattening, cereals, and VSLA, all interventions offered by Save the Children-UK in Kobo woreda, North Wollo. He considers fattening to have been the most helpful intervention for his family, explaining, ―From a single goat, I’ve been able to receive a profit of 500 ETB. Recently, Zewudu selfgraduated from PSNP, deciding that he had built up enough assets and resiliency to withstand modest shocks. ―Before PSNP Plus I didn’t have a bed, but now I have a very nice bed. This is a visible impact of the project.‖ When asked about his goals for the future, Zewudu provides a list: to continue the activities he became involved with under PSNP Plus, repay his loans, see his son graduate from the technical school, and finally, see his other four children graduate from university. ―My primary duty is to educating my children, so they can live better lives,‖ he says. Final Musings on PSNP Plus We taught the theory of saving to rural poor households, and they taught us about practical saving. IGAs increased cash in-flows, and saving boxes decreased cash out-flows. We wrote success stories about project beneficiaries, and beneficiaries wrote poems about us. We assessed the impact of PSNP Plus, and PSNP Plus assessed our capabilities to implement it. The Amharic proverb ―Problems create solutions‖ holds true for PSNP Plus, as with each new challenge we encountered during the project, new solutions started to emerge. Mohammed Kebede, Save the Children UK USAID’s PSNP Plus Project was implemented from 2008-2011 by a consortium of international and national NGOs and technical assistance organizations led by CARE Ethiopia and including Catholic Relief Services (CRS), Relief Society of Tigray (REST), Save the Children–UK (SC-UK), SNV and Feinstein International Center of Tufts University. Layout and design: Susana Moreira/ CARE Ethiopia