Experience has shown that they have a high success rate in repayment of loans, effective loan utilization and redistribution of surplus income to the family and community. Further, those most in need are usually more reliable than others in terms of ensuring that collective goals are met. Exclusive targeting of participants like this is often criticized for being expensive due to the labour-intensive fieldwork required. However, the authors argue that this need not be the case. Clear procedures and examples are provided for conducting needs assessments and evaluating assets and liabilities, that can be accomplished quickly in a cost-effective way.
Motivation is crucial to get people involved and committed to stay in the programmes.
Suggestions are provided for helping participants identify their own needs and potential benefits that can develop into an empowering process for them. Includes exercises to illustrate concepts and strategies described. Women are primarily responsible for the survival of tobacco crops, yet men claim ownership of these crops and the income from them. This article describes the work conditions women face, and the cultural sanctions that exist to prevent women from gaining more control. Limited access to education is identified as a key factor.