Celebrating Earth Day

This blog post was written by Megan Henderson, our Communications & Events Manager, and Laura Palmer, our Digital Engagement & Social Media Manager.

 

A well for water at a Savings Group meeting in South Sudan.

What comes to mind when thinking of Global Earth Day? Most people consider the use of plastics, climate change and our effect on the planet. But the true heart of the message is to honour the achievements of the environmental movement and build awareness to protect natural resources for future generations.

Five Talents may not be the first organisation that comes to mind when considering this call to action, but our partners and Savings Group members are some of the most affected by climate change. Many Savings Group members in eastern and central Africa depend on seasonal rains to support farming, which in turn feeds their families and assists their communities.

According to the UNFCCC who recently commissioned a report dedicated exclusively to Africa, changing precipitation patterns and more extreme weather are threatening human health and safety, food and water security and socio-economic development. Rains have become less predictable, and even worse, rains oversaturate the ground and cause flooding which can destroy homes and livelihoods.

Savings Groups are part of the solution.

In Groups, communities come together and save their money - enabling them to better cope with emergencies like flooding or drought. Group members often invest in rainwater tanks and solar panels. With business training, many members also diversify their businesses away from farming so they have additional sources of income, vital for when farms are flooded or arid.

The effect of Savings Groups can be seen through people like Anthony.

Rainwater storage tank in Tanzania.

Anthony lives in Kericho, in Kenya - a semi-arid region which experiences prolonged periods of drought. Many people in the region keep cattle and have to walk long distances in the dry seasons to search for water for their livestock and for domestic use. Thanks to joining a Savings Group, Anthony has addressed this challenge for himself and his whole community.

Anthony took a loan and used it to dig a well on his plot of land, buy two rainwater storage tanks and a small pump. Now, he has water all year round and sells it to his neighbours in the dry season, meaning they no longer have to trek long distances in search of water. Incidents of water-borne diseases have reduced now that the community has access to clean drinking water. In addition, more children have been going to school as they no longer have to spend their days herding cattle to distant water-points. 

In one of our newest programmes in Tsavo, Kenya, communities are not just saving for rainwater tanks, they are becoming conservation experts. The Savings Groups established in Tsavo are among a National park with an abundance of wildlife, but the largest among them are elephants! While we often think of elephants as gentle giants, they can be destructive to crops and damage homes, which often creates conflict with the people residing in their proximity.

The new programme in Tsavo is supporting communities to live alongside elephants and support community conservation efforts and soon, climate-smart agriculture training will begin in the programme too. The programme already supports 1,600 members but our team in Kenya hope to see the programme grow to over 3,600.

As you celebrate Earth Day this year, there are many worthy environmental charities creating a better, brighter world. Savings Groups don’t just support protecting our environment, they can create resilience to environmental challenges too, so please consider supporting Five Talents to further this vision.

 

2023 Impact Report: Celebration

This blog post was written by Grace Cooney, our Trusts & Foundations Fundraiser.

Louisa at her shop in Rwanda.

Our team is incredibly proud of the impacts achieved in 2023. In just a few weeks, we will be releasing our 2023 Impact Report: Celebration. With your support, our partners have reached over 32,000 members last year. Now, we’d like to release a sneak peak of one Savings Group member featured in the report, Louisa.

With help from her fellow Group members, Louisa, a mother of four children from Rwanda, started a successful business.

After her husband fell ill and could no longer work, Louisa knew she had to find a source of income for her family. Joining a Savings Group provided her not only with financial assistance, but also with a supportive network of fellow members.

“I had seen that people had to go far to get their bicycles repaired. So I developed this business idea to start a small shop, but I didn’t know how to actually start it. Luckily, my Group had some ideas.”

Louisa was able to save in her Group and take out a loan to buy spare bicycle parts. She would then resell them. Over time she paid back her loan and took out a second.

“I kept expanding my business, and now I employ someone part-time to do bicycle repairs here at the shop!”

After the success of her first business, Louisa became even more ambitious and decided to find other streams of income. She decided to diversify her business by buying a piglet.

“I feel that it is important to have a second income in case something like COVID comes again, and I have to close the bicycle business for a while. Now, I provide for all my family’s needs through my businesses. I can provide for my children - they never have to worry anymore about their school fees, clothes, medicine, or having food.”

Louisa’s story is a testament to the transformative power of Savings Groups, building social capital, skills and confidence alongside income and assets. When sharing ideas, Savings Group members like Louisa celebrate each other’s successes and support each other’s businesses to thrive.

Now, Louisa and her Group can celebrate that they are better able to care for their families and build resilience.

If you’re interested in reading the rest of the 2023 Impact Report: Celebration, keep an eye out for it on our website here.

 

Inspire Inclusion: Invest in Women

This blog post was written by Megan Henderson, our Communications & Events Manager.

Agnes & Rachel at our breakfast roundtable, “Inspire Inclusion: Invest in Women.”

On the 7th March, just before International Women’s Day, we hosted a breakfast at the Simmons & Simmons offices in central London with Agnes Gitau, a partner at GBS Africa. Alongside our Co-CEO, Rachel Lindley, Agnes held a roundtable discussion, which navigated the social, economic and political outlook for eastern Africa and the importance of investing in women, especially against the backdrop of ongoing global geopolitical uncertainties. Below are a few excerpts from the breakfast:

  • “It is often easier to assume that advocating for and or promoting sustainable development is solely for the developmental experts, I used to think that too, I now know that every single one of us, no matter what our profession is, plays a crucial role in this journey. We all have the power to make a difference.” - Agnes Gitau

  • “I am really pleased by the work Five Talents is doing 25 years before the theme of investing in women was ever thought of. So, really we’re supporting women because we know the remarkable contribution already they have in our society. But also knowing that if you are investing in women you are investing in community.” - Agnes Gitau

  • “I’m a very impatient person, my colleagues know I like to run everywhere, which is an interesting thing to say for someone who works in development because development is slow, it takes time. But I find I get very impatient waiting for governments, waiting for the private sector, waiting for the African Union, waiting for climate change action to happen. One thing we can all do today is support one woman to start a business which will change her whole community. So, please do tell somebody else about Five Talents, consider supporting us, and go about your day with a little bit more hope for the future in your hearts.” - Rachel Lindley, Co-CEO of Five Talents

If you’d like to listen to the breakfast in full you can follow along in the audio file below.

Today, for International Women’s Day, think about how you can Invest in Women and Inspire Inclusion - maybe by becoming a mentor to women, supporting women’s organisations, or sharing Five Talents with someone new.

 

Continuing the journey: shifting power and decolonising aid

This blog post was written by Megan Henderson, our Communications & Events Manager.

Savings Group in the Democratic Republic of Congo.

Around this time each year the UK team reports back on what we are doing to operate as an anti-racist organisation. We are continuing our commitment to shift more power to our partners. We know this is an ongoing journey which will have many steps and take on new priorities each year, but we are also grateful for the additional progress we have made in the last year.

At the start of 2023 we held an away day session with our board members and staff. Specifically, we worked with consultant Bill Bruty and discussed what decolonising aid is and how it may affect the future of fundraising within Five Talents. 

In 2020 our UK team started assessing the language we used and in 2021 completed a language audit. Last year we revisited the language audit for a fresh review - and decided to set objectives to review the audit annually as part of our normal policy reviewing procedures as we recognise that language and nuance can change over time. What is acceptable to us now may not be acceptable in the future.

As a team we watched the documentary Stop Filming Us. The documentary is made by Dutch filmmakers who visit Goma, DR Congo, and discuss the ongoing portrayal of Goma with locals. The documentary discusses the distrust local residents have with NGOs and filmmakers about their unfair portrayal and the stereotypes of war and poverty. The UK team had a helpful discussion about framing our own portrayal of programmes and how our partners could be even more involved in the messaging and imagery of Five Talents.

As a team we have recognised the importance of diversity in our events and panel discussions and we want to be even more focused on increasing the diversity of voices at our events, to ensure a greater range of views and perspectives are represented, to help inform and educate those of us who attend. Our events are an opportunity and a platform to showcase voices that are not always heard. For example, our Programme Advisor from the Democratic Republic of Congo, Irene Nyambura, spoke alongside other high profile panelists at an event in September last year.

In our programmes we are focussed on peer learning. During our programme workshops we emphasize partners learning from each other rather than looking to the UK team as “experts”.Savings Groups are led by and for communities, and are rooted in the premise that members have all the solutions themselves. The same goes for our partners;  the UK is not the expert, our partners are.

As always, we continue to listen, read and learn. Building on our learning from 2023, we have set ourselves two priorities for 2024:

  • Following the away day on decolonising aid and fundraising, we will continue equipping and enabling partners to carry out their own fundraising locally. This includes exploring how we can provide some unrestricted funding to them all.

  • Following our discussion group on Stop Filming Us, we will continue to explore centring partner and member voices in story gathering.

 

A Five Talents Legend: Peterson Karanja

This blog post was written by Megan Henderson, our Communications & Events Manager.

Peterson on a trip in Kenya.

Peterson Karanja, the CEO of Five Talents Kenya, announced his retirement at the end of last year. Peterson is one of the longest serving team members of Five Talents - his Bishop, Bishop Gideon, attended one of the very first savings group training conferences led by Chalmers and Five Talents around 20 years ago, and immediately appointed Peterson to begin the first savings groupin Thika, Kenya. Peterson pioneered the seven-step approach still used across the programmes today and taught us, and many others across the sector, the value of the savings-led approach over the credit-led approach to microfinance; he opened and lead the Five Talents Kenya office as programmes across Kenya grew; he supported several programmes through to graduation to become SACCOs; he developed partnerships with other development agencies for shared learning; and just before his retirement, helped secure a significant grant from USAID to extend the work in Kenya. He is an incredible figure, an inspiration to us all, and a cherished member of the team.

On announcing his retirement Peterson said:

“Huge thanks to you all for standing with me, and for your unequivocal support during my short ‘brief’ at the Five Talents Kenya.

You helped me to discover how true & meaningful development impacts on communities’ lives for longer and lasting change.

The desire to do more within this domain led us to turn and search many pages for answers. This was to discover what worked best within the implementation contexts. We therefore have become stewards in sustainable development, a title we can wear with honour and showcase on the great day of the Lord, for His commendable rewarding.

Firming up this zeal in the ‘calling’ is what translates to being faithful to the Master’s call & commissioning; Mathew 25:14-30.”

Peterson will be succeeded by Peter Mugendi, another long-time member of the Five Talents Kenya team. We know Peter will be great stepping into the CEO role in Kenya. He has worked closely with Peterson for a number of years. Together, they have shaped the role of Five Talents Kenya within the Five Talents family, and they have formed large ambitions for the growth of Five Talents Kenya. We look forward to seeing him build on Peterson’s foundations as he makes the role his own!

Peterson said, “What I look forward to more is spending quality time with my family. In equal measure, I look forward to learning and knowing more of what Five Talents will be doing and especially on discoveries in the new ‘frontiers’. This is what God commissioned for Five Talents and therefore it has to be achieved.”

After Peterson’s announcement the Archbishop of Canterbury penned him a letter and said, “You single-handedly pioneered an innovative model of Savings Groups in Kenya…I am made aware that over 20,000 people since 2011 have joined Five Talents’ Savings Groups in Kenya, collectively saving over £4.3 million and offering loans totalling £14.5 million. This has radically transformed the lives of more than 80,000 family members and had a huge impact in reducing poverty…As you retire, you will be remembered by the Church and the communities that you impacted and transformed through your work.”

We are so grateful to Peterson for contributing hugely to the mission of Five Talents. He is an honoured member of the Five Talents family, always.

 

A Year to Remember

This blog post was written by Kris Coppock, our Co-CEO.

Members hold a Savings Group meeting in Rwanda, our newest partnership programme.

2023, a year to remember

Last year we celebrated our 25th anniversary. Thanks to your generous support for our programme partners, we have now served more than 280,000 members globally, primarily in east and central Africa.

An independent evaluation of our partnership programme in Burundi highlighted the staggering impact of 6,200 Literacy and Savings Groups - and their effectiveness, enabling sustainable transformations for members, their families and communities.

Against this backdrop - a wide reach and deep impact - we kicked off five-years of strategic growth last year. We’re working to double the number of new members entering our partners’ programmes each year - from 10,000 to 20,000 by 2027. That’s double the number of women empowered, of new businesses started and of families experiencing the many benefits gained as members learn, earn, save and invest together.

2023 was a record-breaking year at Five Talents. Thanks to your support, we raised more money than ever. Our grants to partners were the highest they have ever been, and together our partners reached more members than ever before. Look out for more on these results, and other celebrations, in our 2023 Impact Report, arriving in April. And thank you! Without your support, these results would not have been possible.

Vision for 2024

Stepping into this new year, once again, our vision is growth. The ultimate objective: to serve even more members in 2024, because we know our partners’ programmes make such a big difference for members, their families and communities.

To achieve this, we’re committed to raising the profile of Five Talents this year, to grow our network and share our work, creating opportunities for more people to partner with us.

Another aim: raising more money so that we can make more and larger grants to programmes, established and new.

Our targets this year are bold - they even scare us a little. More members, raising our profile, greater income and an increase in grants. But as Savings Group members remind us every day: working together, with diligence and determination, we can succeed.

Let’s journey together

Many of you reading this already contribute so much. Thank you, from all of us at Five Talents. We remain deeply grateful for your commitment and support.

When Rachel and I meet new supporters, we ask them to help Five Talents by doing one or more of the following three things. If that’s you, please:

  • Pray for the Five Talents Team, and for our partners and members in 2024. We know that your prayers make a big difference. You can even join our prayer network here.

  • Tell your colleagues, friends and family about Five Talents and our partners’ work. Please share our posts on social media and invite friends to events - including Tour de Talents, later this year.

  • Give to help us grow. We value your support highly; thank you so much for partnering with us. We’re committed to operating lean so we can send even more money to programmes in 2024.

Our thanks again for your continued support. We hope that 2024 is a positive year for you too, and we look forward to catching up with many of you in the coming months. If you have any questions, or would like to get in touch - if only to say ‘hello’, please email me at kris.coppock@fivetalents.org.uk.

 

Meet a Microfinance Entrepreneur: Danielle from Rwanda

This blog post was written by Megan Henderson, our Communications & Events Manager.

Danielle at her home, with her goat, in Rwanda.

Five Talents partnered with Mothers’ Union Rwanda in 2022. It is one of our newest partnership programmes and many members had only just completed literacy training when the partnership began. Members were keen to earn, save and invest together. One of those members is Danielle. During COVID Danielle’s husband suddenly lost his job working as a casual labourer for a daily wage.

Danielle said, “We had to figure out what to do to support our family. I had never been part of a Savings Group, but I was invited to join. I came to the Group crying as my husband was traumatised from losing his job. I joined the Group and started a business to support my family.”

Danielle started a sorghum (a type of grain) business. She would buy sorghum from farmers and then make sorghum beer (similar to rootbeer). The sorghum cost around RWF 700, but Danielle would sell her sorghum beer for RWF 800, making a small profit.

As Danielle saved a portion of her small profits she was able to borrow a loan from her Group for RWF 100,000 to buy a much larger quantity of sorghum. Buying and selling in larger quantities increased her profits. Now, she has a capital of RWF 500,000 and has been able to start diversifying.

“From the Group, I was also able to take out a loan to buy a goat. I also have a cow, since the government gave cows to many households who were poor.”

With livestock Danielle is better able to support her family and has new business opportunities. She can use the goat or cow’s milk to feed her family, and sell any offspring they produce.

Danielle is making plans to expand her sorghum business even more which will enable her to improve her home - she’s already been able to start making the bricks for the improvements!

“Through the Group, I learned to work hard, to socialise and to pray. I used to be so shy and couldn’t speak in front of others, but now I can even lead a Bible study.”

Danielle’s ambition and confidence are enabling her to build an even brighter future for her family, thanks to her Savings Group. You can support our partners to create even more Savings Groups, like Danielle’s, by clicking here.

 

Joy, Hope and Community: Meeting Savings Group members for the first time

This blog post was written by Grace Cooney, our Fundraising & Communications Assistant.

Elimu, a Savings Group Facilitator, at her farm.

In September, I had the privilege of taking my first trip to Africa and I was excited to finally meet our partners from Mothers’ Union Tanzania and members of Savings Groups in person.

I was fortunate to meet five Savings Groups who were all at different parts of their journeys. Some Groups had been formed recently while others had been operating for years. Greeted by passionate singing and dancing upon arrival, the energy was infectious and soon enough we were all dancing together. Not only were all the Groups incredibly welcoming, but what really stuck with me was their joy, happiness, and love for one another. The theme that came up in each and every Group: community.

It was an honour to spend my time with members, hearing their stories and learning about their challenges. It was interesting to hear their individual interests for joining the Savings Groups and see the businesses they had built for themselves. The members were mostly women, and the sense of community that the Groups have for each other, was not only shown through personal projects, but also through Group endeavours.

One member, Jamila, from the St Yakobo Group told us: ‘When I moved to the area, I was filled with fear. Now I am happy to sit with my Group and have peace and enjoy our activities together.”

It was amazing to see the variety of Group members’ businesses and assets. I got to see members’ farms, motorbikes, stove-making businesses, and meet their livestock. Many of the Groups often also had Group income generating activities that they shared, such as sharing pigs, tie-dying fabrics, having cashew–nut farms, and charcoal projects. With the profits, members told me they were able to invest in their individual lives such as constructing homes for themselves, providing basic needs for their family, and sending their children to school, but they also contributed more broadly to their community and their church, together. One of the Mwiti Group’s goals was for every member/family to have their own pig.

Elimu, the facilitator of ‘The Amani Group’ told us: “Before being a facilitator I did not have confidence, but now I am able to stand in front of people and teach others. I have a goat and a calf - eventually, I want to be able to sell the milk. I have 4 of my own children and I am taking care of 4 orphans (in-law’s childrens). I give my time to serve the community, supporting others with my income as well. My husband is very happy I am part of the Group.”

Although some Groups and individual members faced challenges, they continued to work together and support each other. Many of the women I spoke to were kind enough to share how learning new skills and their Groups have helped them gain hope, trust and confidence.

Mua from the Kupendane Savings Group shared: “When I had a medical emergency in the night, I was able to go to the village leader to get money from the social fund to go to get care.”

Throughout the entirety of the trip and upon reflection, I still continue to feel gratitude for the incredible privilege I was given to visit and talk to so many kind inspiring Group members.

The care Jamila, Elimu and Mua had for other women in their Groups and communities was inspiring to see and the changes many women and men are making in their lives were evident for themselves, their families, and their communities.


A Year On: Meet Claudine from the Democratic Republic of Congo

This blog post was written by Megan Henderson, our Communications & Events Manager.

Savings Group meeting in DR Congo.

Last year, with your support, our Big Give Christmas Appeal raised £91,419 to support our programme partners in Aru, The Democratic Republic of Congo, as they expanded the programme there. The money raised meant that our partners could support an additional 80 Savings Groups and 1,440 new members. Just as we worked together to raise the funds, members work together to learn, earn, save and invest in small businesses that transform their families and communities. We’d like to introduce you to one member in DR Congo, Claudine.

“When I was a child, my father banned me from going to school. He believed that girls were not supposed to study. Their role is to bring wealth for the parents. So I grew up not knowing how to read and write.

When I lost my mother in 2020, I asked my husband for money to help my family for my mother’s funeral. He did not give me any. I was shocked. He always used to laugh at me because I was not educated. I wanted to change. In that same period, I heard about a new Literacy Group at my church and so I decided to enrol. We used to meet three times a week for lessons. COVID caused delays, but we still continued. I can now read and write.

I became patient thanks to literacy. The teachings from the Bible comfort me, and the sharing of experiences in the Group helped me a lot. My husband cannot laugh at me anymore. I am now part of a Savings Group and I have financial independence. Soon, I hope to buy a bicycle and phone to help me with my daily activities.”

With support from her Group, Claudine is reading, writing and planning a business. Without your support our programme partners would not be able to form Groups like Claudine’s. Thank you for being part of this journey.

If you’d like to support this year’s Big Give Christmas Appeal for South Sudan, the campaign begins on 28 November at midday. Check our website’s homepage on the day for more information.


Another day, another 'Day' - whose story are we hearing?

#InternationalDayfortheEradicationofPoverty

This blog post was written by James McArdle, our Director of Communications & Strategic Engagement.

Member counting money at their Savings Group meeting in South Sudan.

Today is International Day for the Eradication of Poverty.  It seems that every day, there is another ‘Day’. Will this one be a game-changer? Does having a designated day to talk about poverty eradication really move the dial or does it instead contribute to fatigue for a
virtue-weary audience? 

Maybe these kinds of ‘days’ are also in danger of locking in a conversation where we focus too much on what we do; our perspectives; our agendas, or we overload with statistics that support the narrative of a mountainous and unmanageable challenge. 

The fact is sustainable poverty eradication in communities around our world will neither be realised by us, nor done to others. 

For Five Talents the journey is a collaborative and community-led endeavour which has the day-to-day and lived reality of individual savings group members at its heart. What are their challenges, their ideas, their opportunities, and their hopes to build a better life for themselves?

Ramona is 34, and part of a Savings Group in Karamoja, Uganda. She recently attended some training for Savings Group leaders in Moroto, the regional capital, where she proudly shared her story of success, and testified to the benefits she has experienced through membership of her Group. Her story has been captured by Anne, the Programme Manager in Karamoja - she shares with us…

‘Before joining the Group, Ramona used to struggle so much to raise money for her children’s school fees, and for dressing and feeding them. The family could go some days without food and children could ‘delay’ reporting to school when schools open. Her relatives from whom she could beg money to support her family were now tired and they called her names.

'Ramona recalls when David, a community-based trainer involved in the programme, convinced her to join the Savings Group even when she explained that she didn’t have consistent sources of income to save weekly. She joined the Group with a fear of being intimidated by other Group members because she could not raise regular savings.

'One year later, and after a year of saving, Ramona was also encouraged by other members to take a loan from the Group to start a small business. Ramona says she feared getting a loan because she did not have business skills and she had never done business in her life before.

'Ramona says her luck and courage were gathered when Anne, the Programme Manager, came in and trained them in business skills and from then she was motivated to apply for a loan to start her business.

'After investing the loan into her small retail shop, Ramona says, her family life became transformed because she was now able to pay her loan from her profits, pay her daughter’s fees, and buy other scholastic materials right from the time her daughter joined senior secondary level to the university level, which her daughter has now finished.

'Ramona says, from the loan and savings she has built an iron-roofed house, where she is settled with her family. And she was also able to open more land for cultivation to provide enough food for her family.'

In the terms described by this day, ‘International Day for the Eradication of Poverty,’ Ramona eradicated poverty from her life, she is able to reflect on the sense of dignity she experienced through work, and she also provided amazing educational opportunities for her children. Her hard work, her vision, her courage. Ramona’s story exemplifies the small sustainable steps replicated tens of thousands of times in Savings Groups across central and eastern Africa. So, when we have ‘Days’ named like this, let's not get caught up with the narrative of an overwhelming challenge, or indeed our ideas and solutions. Let's instead celebrate those who are grabbing hold of a better future for themselves, their family and their community.


Women as Peace-builders in Africa

This blog was written by Megan Henderson our Communications & Events Manager.

From left to right: Kris Coppock (Five Talents Co-CEO); Lord Jonathan Oates (Chief Executive of United Against Malnutrition and Hunger), Irene Nyambura (Five Talents Programme Advisor, DRC), Rachel Lindley (Five Talents Co-CEO), Justin Welby (The Archbishop of Canterbury), Dr Althea-Maria Rivas (Senior Lecturer at SOAS), and Mrs. Caroline Welby.

This year Five Talents is celebrating our 25th Anniversary, and we were honoured that our Patron, The Archbishop of Canterbury, Justin Welby, was able to join us alongside his wife, Mrs. Caroline Welby, for an extraordinary evening. On 27 September 2023 Archbishop Justin and Caroline delivered a keynote address before being joined by three additional panelists in a discussion facilitated by our Co-CEO, Rachel Lindley. The panel, from their various backgrounds, discussed Women as Peace-builders in Africa as well as topics such as international aid and climate change. Our panelists were:

  • Dr Althea-Maria Rivas, Senior Lecturer on Global Development and Peace and Conflict at SOAS University of London

  • Lord Jonathan Oates, Chief Executive of United Against Malnutrition and Hunger

  • Irene Nyambura, the Programme Advisor to our partnership programme in the Democratic Republic of Congo, and;

  • The Archbishop of Canterbury, Justin Welby

It was an extraordinary conversation which we did not want you to miss! Watch it in the video below.

 

Literacy transforms life for Women & Girls

This blog post was written by Rachel Beale, our Communications & Events Assistant.

Carrie from Marsabit, Kenya.

Carrie lives in Marsabit in Kenya and, like so many other girls in the region, she was denied the opportunity to go to school by her parents. School was seen as a waste of family resources, and it was decided that Carrie was to marry at a young age. Nevertheless in recent years, now in her 30s and with 5 children, Carrie joined a Literacy Group and in 2022 successfully completed basic adult literacy training through our partner programme.

History almost repeated itself last year when one of Carrie’s daughters was offered as a wife to a distant cousin. However, thanks to her literacy training in our partner programme, Carrie was able to use her new skills to act and speak up on behalf of her daughter.

Reflecting on how learning to read and write has empowered her as a parent in the community, Carrie said: “I went to record a statement at Isiolo police station about plans to marry off my daughter. This created a lot of hatred against me locally, but at the end of it it is my joy that my daughter is in form 3 as we speak, and this was the courage I got from Bible study and literacy training.”

Reading and writing is so easily taken for granted, many of us experience it as a fundamental part of our learning and development as we grow up. However, many women in central and eastern Africa don’t have the chance to go to school, perhaps being married young, or working to support their family- the completion rate of secondary education is just 58.9%.

This is why when first joining the programme, many Groups express a strong desire to participate in literacy and numeracy training. Not only does literacy provide a solid foundation upon which to build strong business skills, but it profoundly impacts on the daily social and civic lives of many members, as Carrie’s experience shows so clearly.

Carrie’s literacy skills enabled her to fight for the continuation of her daughter’s education, and affect change in her own community, setting an example for others to do the same. Literacy supports confidence not just in written word, but in speaking, and empowering women to confidently raise their voices. They become agents of their own change, knowing and confidently seeking what they are entitled to, and being a voice for others.

 

The Fastest Tour de Talents!

This blog post was written by Megan Henderson, our Communications & Events Manager.

2023 Tour de Talents route.

Our third ever Tour de Talents raised the stakes - we set a goal to raise £25,000 in just three days. After two incredible years of Tour de Talents we knew it would be a big challenge, but we had faith that, together, we could travel the full 2,500 miles. And you helped us achieve just that!

Our 2023 Tour de Talents, as part of our 25th anniversary, was a celebration from our oldest partnership programme in Thika, Kenya, to our newest in Wandi, South Sudan. With generous support from our sponsors, the 2,500 mile trek across 7 countries meant that each mile had the potential to raise up to £10.

Together, over the August bank holiday weekend, we travelled a total of 3,478.87 miles and raised £27,277.62, thank you so much to everyone who made this possible!

In total, 230 signed up to the challenge. The participant that travelled the furthest logged just over 200 miles on his bike across the whole weekend! Together we recorded over 712 hours of activity. It was great to hear about everyone’s walking, running and cycling. We especially loved that a few four-legged friends joined in (you can spot Kris’s dog in the video below)!

The only question is: how far can we go in the next Tour de Talents?

We’d like to leave you with this special message from Kris, our Co-CEO, who shared a Savings Group member, Mirembe’s, story with us. The £27,000 raised will enable our partners to reach over 1,000 new members like Mirembe, next year.

 

What it means to be a Co-CEO

Earlier this year, Kris Coppock rejoined the Five Talents team as Co-CEO alongside Rachel. In this blog, Kris and Rachel share what Co-CEO-ing looks like in practice, why Five Talents decided to adopt this model - and how it is going so far. 

The Five Talents UK team at their 2023 Team Away Day.

The Co-CEO leadership model is gaining traction in both the commercial and charity sectors. Big names such as Oracle and Goldman Sachs have tried it, alongside several charity sector organisations from Alzheimer’s and Dementia Support Services to the Royal Cornwall Museum - although it’s fair to say it is still a relatively rare leadership model. There is some scepticism about whether 'power-sharing' ever works, and concern that it creates confusion amongst staff and customers / supporters as to:

 'Who is really in charge?'

The answer for Five Talents is that we are both, jointly, fully and equally, in charge. How does that work in practice? Day to day, we've shared up the operational, programmatic and management responsibilities so that we each lead on different functional areas. However, we share the responsibility for strategy, leadership, philanthropy, compliance and team welfare, and we're jointly accountable to the Board, our supporters and programme members.

What’s the win for Five Talents here? 

 Kris: As one of our Trustees put it, ‘as Co-CEOs, you’re more than a CEO’. They were (positively and helpfully) highlighting that we will need to do more, and achieve more, than a single CEO. This is ideal for Five Talents as we’re in a season of growth. Between now and 2027, we’re looking to double our income to £2.2m, so we can double the number of members in partner programmes each year to 60,000. It’s exciting, and a privilege, to work together to achieve this. 

Rachel: First, as Kris said, double the fire power! Of course we have different strengths so together, we can do more, better. Secondly, organisational resilience - personnel risk is always red-rated in small, lean but growing charities like ours and this structure mitigates the risk significantly. Thirdly, Kris brings fresh energy and ideas. Having done the CEO role solo for a few years, I was keen to ensure our creativity kept fizzing and we didn't get stuck in any ruts. It’s also great to share the load, and I was able to take a wonderful month's sabbatical when Kris came back!

What are the risks?

Rachel: I think it would feel much riskier to become Co-CEO with a stranger - but because Kris and I have worked closely together previously at Five Talents, we knew it would work. We trust and respect each other's judgement and can back each other’s decisions because we know that we share the values of putting Five Talents' mission and people first. There's no ego or sense of competition. 

We did identify the risk that with two co-CEOs, staff or supporters might be confused as to which of us they should approach for what. Perhaps in some organisations, there could be a risk of ‘If mum says no, ask dad!’ but that was never a risk for Five Talents because our team is mature, cohesive yet diverse and always ready to innovate; they were all in favour of moving to the Co-CEO model when we were exploring it. To avoid confusion, we have been clear on dividing our areas of responsibility - but we’ve also been very clear that either of us can cover for the other.

Kris: Yes, and that actually makes Five Talents more efficient. We identified a risk of inefficiency if staff felt they needed both of us to take a decision. So we made it clear that either of us could make decisions on behalf of both. So if one of us is away or tied up, the other can cover and sign off whatever is required. 

Similarly, we foresaw a risk of inefficiency if both of us, for example, attended certain meetings or spent time discussing an issue that only needed one of us to take a lead on. So now we make sure we only collaborate and confer when two heads really are better than one. We've always been an inclusive team so we're both often collaborating with others in the team rather than each other anyway. 

Finally, there is a risk we might disagree over something significant. That hasn’t happened yet (ever - remarkably), but we believe that if it does, we’ll ‘disagree well’ internally and be able to present a united front externally. Our team culture helps; we have a very open, constructive-criticism culture so we’re all used to sharing ideas and feedback in order to reach a better conclusion. The trust, respect and shared values Rachel mentioned are key here too.

5+4 not 1+1!

We both feel privileged to lead Five Talents and keen to do more! But the real story here is not 1+1, it's 5+4. 

Kris joined the team in a period when we took on 3 other new colleagues, going from 5.4 FTE to 9 FTE in the space of a few months. It's a bold move in a tough economic climate - but Five Talents has an ambitious strategic growth plan to double the number of Savings Group members we serve each year over the next five years - and to achieve that, we need a bigger team. 

We know the Five Talents model works (our recent Burundi impact evaluation evidences that); it's a hugely effective, community-led approach to sustainable development and we know there is huge demand for it as communities across eastern Africa negotiate climate change, conflict and high costs of living. We're determined to grow in order to meet some of that demand - and that means taking on more staff. 

Sharing the leadership is a part of the plan, but we’re blessed that we have an absolutely fantastic team, our wonderful supporters and of course our Partners and Savings Group members themselves - and they are the real success factors. 


A Community-Led Carbon Offset Partnership

This blog was written by Rachel Beale, our Fundraising & Communications Assistant.

Regional Manager and community members from the Books for Trees programme in Nakuru, Kenya.

Sustainability and resilience are two of Five Talents’ guiding principles. In everything we do, we ask “is it going to have a long term impact?” and “can it withstand and adapt to change?”. As climate change intensifies, these questions become increasingly harder to answer. Our partners and members live in countries which are disproportionately affected by climate change. Flooding, landslides and drought have devastated communities across eastern Africa, and our partner programmes are no exception.

Savings Groups encourage members to build climate-resilient businesses. For example, planting crops which require minimum water, or using savings to invest in rainwater harvest tanks and solar panels for electricity. In the past, we’ve also partnered with other NGOs who are specialists in agri-training. However, we know that the burden of building resilience against and mitigating the impacts of climate change is not just on our partners and members, but also on us.

The UK team has always tried to find ways to minimise our impact on the environment, but the nature of our work means each year we do have to make periodic trips to programmes to assist our partners and to visit members themselves. We take a number of steps to minimise the amount of flights we take. However, we felt it was right to take further action to offset the impacts of the flights we do take.

We are therefore delighted to announce we have partnered with Gone West, a global for-purpose tree planting company! Their goal is to create environmental and social benefits around the world through involving local communities; thereby generating ethical, green jobs and helping to establish and restore natural habitats. This year, we chose to contribute to their ‘Books for Trees’ project, as it restores much of the environment in rural Kenya, where several of our partner programmes are based. Just 2.7% of the highlands in Kenya is wooded, after extensive deforestation over hundreds of years. Books for Kenya ultimately aims to make trees attractive as a source of income, and to anchor trees (as components of rituals) in the tradition of the population of the parish of Ololkirikirai, not too far from our post-funding partner programme in Nakuru. So far, Gone West has planted over 200 trees in this project, and over 9 million trees globally over the last 10 years.!

We know this isn’t all we can be doing to combat climate change, but we are making changes in the right direction, and grateful for our friends at Gone West for working with us.


Virtual Event: Impacts from the Burundi Longitudinal Study

Virtual Event: Impacts from the Burundi Longitudinal Study

This blog post was written by Megan Henderson, our Communications & Events Manager.

On Tuesday, 25 July 2023, we hosted a virtual event with Hannah Wichmann and Maria Owen, members of our Global Programmes Team. Hannah & Maria worked closely with Claudette Kigeme, the Programme Coordinator and Mothers’ Union Provincial Coordinator in Burundi, and Nite Tanzarn, the independent evaluator of the programme in Burundi. Nite conducted a longitudinal study of the programme in Burundi so that we could better understand the impacts Savings Group members have seen over the last twenty years. And so many incredible impacts were uncovered!

During our virtual event Hannah and Maria talked us through some key areas of learning, and explained more about what the impacts may mean for the wider Five Talents family. Learn more by watching the virtual event below.

 

Transformation inside & outside a classroom

This blog post was written by Megan Henderson, our Communications & Events Manager.

Yaro in his classroom.

Yaro is a primary school teacher from Tanzania who decided to join his community Savings Group back in 2019. When he first joined the Savings Group he and his family were incredibly dependent on his monthly salary and did not have additional businesses.

One of the first benefits Yaro saw in the Group was the various training that the Group offered. As an educator himself, Yaro understands that training and resources can lead to even greater success.

Within the Group, Yaro received business skills training which gave him the confidence to support his family’s business ventures. Since joining, Yaro’s been able to take not one, but four loans from his Group!

“With loans from the Group I was able to meet different needs including buying a sewing machine to support my wife in her tailoring business.

There are other small businesses my family is doing under my supervision and I know how to keep business records through the training received from the Group.”

With support from the Group Yaro’s family now has multiple, diverse income streams and are not solely dependent on his monthly salary anymore. This is crucial as ongoing global conflict is creating inflation which makes buying nutritious food for his family difficult.

“Currently there is a problem with high prices of food. When the Group meets our trainers always encourage and train us to keep enough food for the family and to not be attracted by the good prices of our farm produced cereals. Our trainers care about us (members) and our families.”

Through the Group, Yaro has a stronger sense of community as he trusts and learns from other members, and he doesn’t want to be the only one benefitting from that support.

“Training on financial literacy and the art of saving has helped me support my wife in her business and now I am encouraging her to join the Group too!”

With your support, our partners are able to reach even more members like Yaro so he, and his family, can access the resources they need to diversify their income, become more resilient and better care for themselves. Thank you for being part of that journey! If you’d like to learn more about how you can support Five Talents please click here.


Hearing more stories...

This blog was written by James McArdle, our Director of Communications & Strategic Engagement.

Literacy lesson at Group meeting in Marsabit, Kenya.

Following months and months of drought the rains finally came. The land had been parched and 80% of livestock had been lost. Remote pastoralist communities in rural northern Kenya had experienced a burden on lives and livelihoods that had been on the very brink of what could be carried. And yet still, when I arrived into this context last month with a small Five Talents team, we were welcomed with generosity and heard of hopes for the future.

We were visiting Literacy and Savings groups in Marsabit, Kenya, which are supported by Five Talents, alongside our local partners the Mothers Union and Anglican Church of Kenya. Marsabit Diocese covers an area the size of England and, along with many parts of central and eastern Africa, is facing the acute and combined challenges of climate impact, food shortages, economic insecurity and conflicts. Against these day-to-day challenges the Groups are places where women can come together to learn, have access to a safe place to save their money, as well as opportunity for training and support to set-up and grow small businesses. We listened as members told us the difference it has made for them to be able to read and write, to realise they can make their own choices and become leaders in their community.

Each visit, each community, each woman and man we met told of the difference a Literacy class or a Savings Group is making in their lives. They are owning and shaping their own future. With support and in time, women and men start small businesses and provide community employment; they send their children to school and build local economic resilience; they foster peace through supporting and inspiring one another, and are empowered to shape a better future for themselves, their families and the wider community. It’s a story from central and eastern Africa that we should be hearing more about, and telling time and again.

We'd love for you to join us on a visit to hear these stories yourself. If you would be interested in learning more about visiting a programme, or coming with us, please contact us.


Burundi Study: The Highlights

This blog was written by Megan Henderson, our Communications & Events Manager.

Last year Five Talents commissioned an independent evaluation of the programme in Burundi, one of the longest running community partnership programmes we have been part of. The Burundi programme, in partnership with Mothers’ Union, pairs literacy & numeracy training with business skills training in Savings Groups. It has been so successful that we have piloted the same approach across several other Five Talents Programmes. The independent evaluation measured the programme’s cumulative impact over a 20 year period. We know how transformational Savings Groups and community-led change can be, but now, with the data from the report, we can see even more clearly how communities have transformed.

You can read Five Talents’ summary of the report here. But we’ve shared some of the highlights below:

  • Over 144,000 people (78% women) have learned to read and write and now have a formal literacy qualification - this accounts for 2.9% of the adult literate population in Burundi.

  • Over 84% of Savings Groups formed have continued and many replicated organically far beyond the investment of the programme.

  • Almost all Savings Group members now employ at least one other person, and over a third of female participants and nearly half of male participants have started businesses which now employ 2 or more people.

  • 91% of female and 94% of male participants reported sending dependent children (notably girls) to school in 2022, compared to 62% and 52% in 2006. This clear growth shows that now even more girls are attending school.

  • 98% of male participants advocate against gender-based violence and within the programme membership, there has been a significant reduction in intimate partner violence.

  • 99% of participants have higher self-esteem and can see gifts and abilities in themselves that they did not see before.

As we celebrate our 25th anniversary, we are excited to also celebrate this inspirational story of women and men who, through their own hard work, collaboration, skills and resilience have built a more secure future for themselves, their families and their communities.

“Change takes a long time to occur but once it happens, particularly amongst women…things start getting better…women no longer stay in the background…they engage in advocacy…they get involved in community activities. Traditionally, women would not stand for leadership positions, but now they do.”
- Male Governor, Ngozi Province, Burundi

If you would like to continue that change for communities please click here.


Building Resilience: Meet Remera from Kenya

This blog was written by Rachel Beale and Grace Cooney, our Fundraising & Communications Assistants.

The view from underneath a tree in Baringo, Kenya, where a Savings Group regularly meets.

In light of our previous blog discussing the ways in which climate change impacts the everyday lives of members, we’d like to share with you the story of Remera, a member from Baringo, Kenya. She is one of the many women who has built resilience to climate shocks through her business and Savings Group. 

In Baringo, prolonged droughts in recent years have left pastoralist communities struggling to make ends meet due to crop failure and lack of food for livestock. Remera was all too aware of the devastation that the dry-season brings, and sought to make change happen herself. She created a robust business plan, clearing idle land and planting grass (as forage for livestock) which she later harvested and kept in a store hut. When the dry season came, Remera was prepared, and sold the grass from her store. 

Not only was Remera able to keep her business afloat despite the drought; she was able to make a profit and provide for her community during a time of need. She used the profits to pay for her nieces and nephews school fees, and to pay off her loan. Through her determination and resilience, Remera’s community now see her as a role model of positive change, and no longer see themselves as lacking power or agency to cope with climate shocks.

Remera’s story is featured in our 2022 Impact Report: Vision. Click here to see the report and read more about the incredible impacts Savings Group members, like Remera, have experienced.