Tag

Saving Archives - SASDI Alliance

NEW PUBLICATION: A people’s led approach to informal settlement upgrading

By Publications No Comments

 

Exploring partnerships with local government: A people’s-led approach to informal settlement upgrading

It is with great pleasure that we share our most recent publication:  

It comes at a time when South Africa is grappling with issues of land, redress and possible legislative amendments in the face of poverty, inequality and exclusion. The effects of these living conditions are borne by the poorest of the poor, many of whom live in urban informal dwellings.

For over twenty years, shack dweller communities linked to FEDUP have recognised that an amendment in formal rights does not necessarily guarantee improved living conditions. In response, these urban poor communities have been organising themselves to engage the state to ensure incremental solutions to land, shelter, livelihood and tenure. 

This publication narrates the experiences of informal settlement communities who, together with FEDUP and ISN, have sought formalised partnerships with cities and municipalities.

We ask: what are the ingredients for a people’s led approach to building effective partnerships with local governments, specifically around informal settlement upgrading? 

Based on the experiences of FEDUP and ISN across South Africa from 2008 – 2018, the publication also examines the factors that contribute to the breakdown of such partnerships, once established. 

Our intention is that this publication will be useful to a variety of actors: urban poor communities when organising and engaging with municipalities, municipal and government representatives, organisations in the sector, interested actors in academia, the private sector, and general public when engaging with informal settlement residents and communities. 

Our hope is that this publication contributes an additional narrative to the current debates on land and redress –  a narrative that reflects the voices and organising strategies of urban poor communities.

Upgrading_Publication_CORC_2018_SML

What difference does saving make to the urban and rural poor?

By FEDUP, Savings No Comments

How can saving impact poor communities and influence inclusive development practice? On a recent visit to Manchester’s Global Development Institute FEDUP’s Patrick Matsemela responds to these questions by telling his story: 

 “When I say I was a robber, it was because I had nothing to do. When the Federation (FEDUP) started, I collected scrap metal from aluminium trollies. One day I found a group of mamas sitting together and someone told me that those mamas save R1.50 on a daily basis and deposit savings into a joint account. I did not have R50 so I knew I couldn’t open my own bank account. But I thought, “If I put money in with these mamas, they will use the money.” I thought that these people were scamming.
 
Patrick Matsemela (front centre) with SA SDI Alliance and Manchester colleagues

Patrick Matsemela (front centre) with SA SDI Alliance and Manchester colleagues

 
 At the time I was a heavy smoker. One cigarette cost R1. I had to save to smoke. Or steal to fuel my addiction. I asked people, “What happens with these savings? Do I get it back or is it just a show?”
 
They explained that you can request to withdraw the amount you saved by going to the savings collectors and treasurers of your savings group. This was better than the bank! Through joining a savings group I learnt to put money together and come together with other people. The moment you share your problem with friends you create a society. For example, if I did not eat, I could sit together with other savers and put money and food together. Over time I became rehabilitated from being a heavy smoker and drinker.
 
The leaders of these savings groups are women, about 95%. Men cannot save, that’s true. But women savers are very strict. They don’t play; they are professionals. For example, you can only withdraw what you saved. We are illiterate but still people were talking about bank charges.
 
My trust in the savings group increased because of my savings book and the record book of the savings collector. Every time I gave my savings to the collector, both of us needed to sign my savings book and the collector’s record book to prove that the money was collected. As a savings group we chose people living inside our community to be the collector, treasurer and secretary of our group. Saving is not only about collecting money but also asking people about their feelings. For example, the collector asks you how you are, why you didn’t attend the savings meeting last night.
 
IMG_2796

Report back on savings at a FEDUP network meeting in North West province

 
But there is no way to get everything correct. Mismanagement is a challenge. In some groups, the collector takes R10 saying, ‘Let me just use it now, tomorrow I will pay it back’. But then when the audit comes and other savings group treasurers come to your group to do the books and audit they ask why this was not recorded. The treasurer then feels the heat. Stealing is a bad word. Do not say steal, otherwise you won’t build a person. Rather whisper to the person and ask, “How will you repay?” First approach the individual who misused the savings, then the group. Sometimes we can call the police or influence some people in the community to take the person’s TV. Or we come as a group and hire a buggy and take the fridge and TV. We are not going to sell it but the person knows they can find us in the savings meeting.”
 
Since the early 1990s, FEDUP has used saving as a key tool to build a strong urban and rural poor social movement. Currently FEDUP counts about 43 900 members in eight provinces in South Africa. Through collective saving and critical mass, FEDUP played a key role in advocating for the People’s Housing Process (PHP). The PHP is a milestone policy on inclusive (community-led) human settlements development. Patrick Matsemela joined the Federation in 1998. He is currently the national coordinator for FEDUP saving networks in the North West province. He serves on the board of Slum Dwellers International (SDI), representing urban poor federations affiliated to SDI.
 

A FEDUP network presents the Maboloka PHP (housing) project