© 2018 Laos-Australia Development Learning Facility. All rights reserved.

March 17, 2018 - Vientiane, Lao PDR

IWD Presenter Profile - Access to Finance for the Poor (AFP) implemented by GIZ        

The population of Lao PDR has low access to formal banking (25% of people save at a bank) and informal savings (by 37% of people). The Access to Finance for the Poor (AFP) program implemented by GIZ and funded by Australia Aid aims to improve financial inclusion of poor households in 6 targeted districts. To achieve this, the AFP has successfully built a network of village banks, focusing on women’s representation in decision-making and on women’s access to savings and credit and financial literacy. As a result of increased access to credit, women take out loans for: agriculture inputs (45%), retail enterprise (34%), house maintenance (9%), education (5%), emergency and health cost (3%). 1 in 3 Village Bank Committee members are women. Although 60% of female members feel they can participate in the Committees’ decisions, they would like to improve their skills and confidence in financial management. Examples of good practice in the AFP were presented by GIZ at the International Women’s Day 2018 workshop held by the Embassy.

ປະຊາຊົນລາວມີີຈຳນວນຫນ້ອຍທີ່ສາມາດເຂົ້າເຖິງນໍາໃຊ້ບໍລິການຈາກທະນາຄານ (25% ຂອງປະຊາກອນມີບັນຊີເງິນຝາກທະນາຄານ) ແລະ ເງິນຝາກ ນອກລະບົບ (37% ຂອງປະຊາກອນ). ໂຄງການການເງິນຈຸນລະພາກ-ການເຂົ້າຫາແຫຼ່ງທຶນຂອງຜູ້ທຸກຍາກ (AFP) ຈັດຕັ້ງປະຕິບັດໂດຍອົງການ GIZ ເຊິ່ງໄດ້ຮັບທຶນຊ່ວຍເຫລືອຈາກ ລັດທະບານອົດສະຕາລີ ເພື່ອແນໃສ່ການປັບປຸງການເຂົ້າເຖິງແຫລ່ງທຶນຂອງຄອບຄົວຜູ້ທຸກຍາກ ໃນ 6 ເມືອງເປົ້າຫມາຍ. ເພື່ອບັນລຸເປົ້າໝາຍດັ່ງກ່າວ ໂຄງການ AFP ໄດ້ສ້າງເຄືອຄ່າຍຂອງທະນາຄານບ້ານ ໂດຍແນ່ໃສ່ເພີມບົດບາດຂອງແມ່ຍິງໃນການຕັດສິນໃຈ ແລະ ເຂົ້າເຖິງການຝາກປະຢັດ, ການປ່ອຍກູ້ຢືມ ແລະ ຄວາມຮູ້ທາງດ້ານການເງິນ. ເນື່ອງຈາກການເຂົ້າເຖິງສິນເຊື່ອໄດ້ຫລາຍຂຶ້ນ, ຜູ້ຍິງໄດ້ກູ້ຢືມເງິນສຳລັບ ວຽກກະສິກຳ 45%), ຄ້າຂາຍ (34%), ສ້ອມແປງເຮືອນ (9%), ການສຶກສາ (5%), ສຸຂະພາບ ແລະ ສຸກເສີນອື່ນໆ (3%). 1 ໃນ 3 ຂອງຄະນະກໍາມະການບ້ານແມ່ນຜູ້ຍິງ. ເຖິງວ່າ 60% ຂອງແມ່ຍິງທີ່ເປັນຄະນະກໍາມະການຄິດວ່າພວກເຂົາສາມາດເຂົ້າຮ່ວມໃນການຕັດສິນໃຈຕ່າງໆຂອງຄະນະກໍາມະການ, ແຕ່ວ່າພວກເຂົາກໍຍັງຢາກປັບປຸງທັກສະ ແລະ ຄວາມຫມັ້ນໃຈໃນວຽກງານຄຸ້ມຄອງການເງິນ. ອົງການ GIZ ໄດ້ນໍາສະເຫນີຕົວຢ່າງຜົນການຈັດຕັ້ງປະຕິບັດກິດຈະກຳ ໃນກອງປະຊຸມ ວັນແມ່ຍິງສາກົນ 2018 ທີ່ຈັດຂຶ້ນໂດຍ ສະຖານທູດອົດສະຕຣາລີ ປະຈຳ ສປປ ລາວ.

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