• Outcome

• Access to Livelihoods Support Services and Markets

Financial services are improved & made more accessible Financial services are defined as savings, credit, and insurance. In this instance we are including any formal financial system; this can include Village Savings and Loans Associations, but would exclude money lenders or family members. Increased access to financial services indicates improved household investment, economy and livelihood security, proxy for future access to financial services and development. The higher the level of financial access, the more engaged people are with the market. Increased access to credit (formal or informal) indicates improved access to productive inputs, household investment, economy and livelihood security, proxy for improved productivity.

Geography/Livelihoods zone; Gender, age, disabilities, chronic diseases (for individuals, associations members, etc.); Head of household’s gender, age, disabilities, chronic diseases, dependency ratio (for households), and any other relevant criteria, such as urban/rural context, religious, ethnic or political identities; Wealth groups; Livelihoods group (e.g. pastoralist, farmers, traders); Period to achieve the objective;

• Increase (number)

Both secondary and primary data collection can be used according to context. Baseline/Endline. If multiyear programme consider also a mid-term evaluation Secondary data. Reliable/relevant sources from other actors, clusters or government. Data Collection methods: Secondary data analysis; Market and service providers assessment Households Survey, Focus Group Discussion; Observation; MFI (micro finance institution) records, Bank records;

• Livelihoods and Natural Resources Protection
• Access to Market and Services

> Number of households/groups taking credit relative to baseline; Amount and length of credit taken (in local currency by type of activity) relative to baseline; Amount of credit paid back within agreement duration relative to baseline > Number of people with access to savings schemes, credit and insurance from sample population. This will be comparable to nationally available figures. > Number of households with bank account relative to baseline; Amount of cash in households bank account relative to baseline > Number MFIs locally present to provide credit relative to baseline > Number of villages/households with access to disbursement devices relative to outcome - Needs to consider various potential objectives of cash transfers e.g. access to food, shelter materials, water, health services, education, etc. - Needs to consider potential changes in seasonal productivity and cultivation, hence seasonal changes in credit availability and need - Needs to consider linkages with income sources and expenditure patterns, as well as dietary diversity (see Core Indicators)