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Carlos Banda3/8/2024

National gender policy set for launch tomorrow

# THE government is set to launch the National Gender and Development Policy in a bid to strengthen the country’s human capital through women empowerment. Dr Dorothy Gwajima, Minister for Community Development, Gender, Women, Elderly and Special Groups said this in Dar es Salaam yesterday at the 6th Annual Leadership Conference 2024, themed ‘Invest in women: Accelerate progress’, adding that the launch takes place tomorrow in Dodoma Region as part of International Women’s Day celebrations. “The government has implemented this agenda through various projects, including financial inclusion. In this area, the government has invested in communication infrastructure and energy, especially rural electrification so as to inspire the use of digital technology which is a vital pillar in financial services delivery,” she said. Dr Gwajima also said the government has rolled out formalization of micro financial services to ensure women are empowered economically and decrease gender-based violence in the country. She said that the government has executed various programmes to empower women so as to increase more economic opportunities, building their capacity to do business, availability of capital, markets and loans. “As you all know, President Samia Suluhu Hassan is the champion of Generation Equality Forum in the world. As a nation, we have created generation equality programme which is being implemented by the government in collaboration with the private sector so as to inspire change in the status of women by 2026,” she said. “I call upon the Association of Tanzania Employers (ATE) to continue with the provision of leadership training to women and to champion gender equality at workplace.” Patrobas Katambi, Deputy Minister in the Prime Minister’s Office (Labour, Youth, Employment and Persons with Disabilities), said that in order to have good policies, it is essential for the government to review the present laws and amend those that hinder women’s progress. “We expect to review all laws through every ministry to ensure women’s position is prioritized. The review will involve the removal of bad laws that prohibit women’s access to opportunities,” he said. Katambi said that through the ministry, opportunities for women have been created where he referred to President Samia’s intention to see more women in leadership positions in all pillars of the government namely the executive, parliament and the judiciary. Susan Ndomba-Doran, Chief Executive Officer of ATE said that gender equality is not only a good thing but it is the right thing, adding that various studies have shown that companies and businesses that observe gender equality make more profits than those that do not. “According to an article by the International Labor Organisation (ILO) entitled ‘Women on Boards: Building the female talent pipeline’, there is a strong link between women on boards and better financial performance. Inclusive and gender balanced boards can bring diverse perspectives to the table, understand customer preferences better, ensure greater due diligence, and as a result make better decisions,” she said.

Carlos Banda12/19/2023

BoT unveils financial education curriculum

FINANCIAL knowledge needs to be pushed to the common people if inclusiveness and service delivery sustainability are to be realized in the financial sector value chain, a top official has declared. Emmanuel Tutuba, governor of the Bank of Tanzania (BoT) made this observation in Dar es Salaam yesterday at the launch of the curriculum for certified financial educators, grooming finance experts from financial institutions to share the knowledge with financial service consumers at the low end. “The new curriculum targets at addressing the challenges arising from inefficient financial literacy countrywide, as financial literacy educators will be put to competency modules to spread the knowledge to people,” he said. The modules cover financial numeracy skills, financial ecosystem, money management, financial obligation and personal financial protection, he stated. The targeted groups are financial regulators, corporate financial outreach officials, government entities, parastatal institutions and non-governmental organizations involved in delivering financial education, he said. Urging for inclusive implementation of the curriculum, he said it was prepared in an inclusive manner, thus its implementation phase has to be inclusive as well, he said. The government hopes to see all groups of the society benefiting from the knowledge embedded in the curriculum, he said, challenging higher learning institutions to effectively engage stakeholders. “Sustainable initiatives that can withstand challenges during implantation are the ones that reap benefits to the public,” he said, underlining expectations that financial literacy will be long lasting. People in the informal sector need to be reached out and empowered with this knowledge, he specified. Beng’i Issa, the National Economic Empowerment Council (NEEC) executive secretary, commended the initiative towards boosting financial literacy countrywide. It will help women often exposed to challenges in doing business as most of them have inadequate financial knowledge, she said, affirming it is a pillar in pursuing the public economic empowerment policy. Finance and investment are crucial pillars in individual and national economic development, she said, citing key objectives in empowering people as access to finance and having control over their income like having a savings account. Without savings no plans are possible, this a savings account is a milestone, she said, asserting that spreading the curriculum will help address challenges facing budding entrepreneurs all over the country. She said many women meet with challenges, delve into entrepreneurship where they make up 54 percent of micro-economic units and small businesses as a whole. “Many of them wish to expand their capital but they fail to do so because they do not have the right financial understanding,” she said, pointing out that one might see women accessing loans from microfinance institutions “but they fail to understand what it means to have a loan.” Someone may take a loan and will be required to pay it back with an interest of three percent. However, due to financially illiteracy they cannot really understand the burden that comes with the loan, while the problem is also evident in the formal sector, as even educated people struggle with handling money and budgeting, she remarked. Prof Andrew Mbwambo, Iringa University deputy vice chancellor, said that if the curriculum is properly taken up, the public will have a reliable source of knowledge with clear content. Financial interaction will be more articulate, making the public adequately knowledgeable about what financial acts involve, clearly evaluating what can be properly done and in what way. /ends /jz/sm

Carlos Banda11/14/2023

Optimism high as gender funding conference kicks off in Dar

GENDER activists have expressed optimism over gender financing conference kicking off from November 15 to 17 in Dar es Salaam. They have said that the meeting provides a platform for Tanzania to showcase its efforts in championing gender equality, but also helping relevant actors to understand how President Samia Suluhu Hassan achieved generational equality in Tanzania. Mgeni Hassan Juma, an Executive member of the Generation Equality Forum (GEF) cited that far from showcasing Tanzania’s achievement in advancing women’s empowerment, the ministries of gender, women and special groups and the ministries of finance from around the world will engage to discuss on the resources needed and the steps to be taken to ensure women and youth are not left behind in development. The GEF committee and Deputy Speaker of the Parliament of Zanzibar said the meeting gathers different countries coming to Tanzania to talk about gender equality and issues pertaining to women, and men. She said: “This meeting is very important because for the first-time, different countries will come to Tanzania to discuss the issues of importance to women and men. We also know that President Samia Suluhu Hassan is the Global Champion for Generation Equality and she has pledged to champion gender equality.” Hence, she formed a special committee involving men and women and we have been conducting various activities to empower women. Mgeni also added that through the meeting the committee alongside other institutions will get to learn how other countries are executing efforts to achieve gender equality. Beng’i Issa, the Executive Secretary of The National Economic Empowerment Council (NEEC) said the meeting is vital for tabling issues concerning equality and implementation citing that generation equality demands commitment, resources. “The meeting is crucial because we get to discuss important issues around equality and how we can act practically on generation equality because it demands commitment and resources. Hence, this is a forum to reignite the discussion between the ministries of gender and finance and also to fasten the availability of resources for women and youth empowerment so as to achieve the goals of the gender equality program, said Beng’i Issa. Leticia Mukurasi, Gender and Development Specialist and member of the generation equality forum (GEF) emphasized on the importance of analysing the extent of awareness and responsiveness across the continent on gender issues and assessing on the use of resources allocated to achieve the objective of gender equality. “I would like to know the extent of awareness and responsiveness across Africa on these issues of ours that is the budget allocated and if yes, is it properly utilized? If you want to track it, you must know exactly what and where to look. By doing so, you will be able to know which resources have been used to cater for women and men each and why you have done so. It is important for actions to be preceded by analysis because you cannot just place resources haphazardly,” said Leticia.

Carlos Banda11/5/2023

Good laws alone wont bridge gender gaps, we need more awareness

REFORMS such as the famous women’s rights movement of 1848 to 1917 which envisaged today’s right to vote plus other entitlements that followed reminds us that women are not supposed to be viewed as a fragile group in the society that should wait for a rescue by a knight in shining armor. Changes in lifestyle in today’s world propelled by changes brought forth by technology and massive interaction amongst societies across the globe demand that women have a stake in making history as leaders, pioneers, philanthropists, innovators, policy and decision-makers, business owners, land owners and so much more alongside men in the running of societies and nations. “Women need a seat at the table, they need an invitation to be seated there, and in some cases, where this is not available, they need to create their own table. We need a global understanding that we cannot implement change effectively without women’s political participation,” said Meghan Markle, Duchess of Sussex. The words of Markle clearly point to the relevance of having women being enabled, empowered and given a voice to bring light and progress alongside men as both parties need each other’s contribution in ensuring global economic stability. It is so much so in the developing countries like Tanzania which need radical reforms to allow women on the same table with men as part of the decision-making to bring change and progress that impacts the lives of men, women and children. According to the 17th Economic Update by the World Bank entitled ‘Empowering Women: Expanding Access To Assets and Economic Opportunities’, shows that Tanzania’s female labour force participation rate rose from 67 per cent in 2000 to 80 per cent in 2019, which is a record above 63 per cent in Sub-Saharan Africa and among the highest on the continent. Despite the significance of such progress for women attributed to reforms aimed at empowering women, it is argued in some circles that female population still faces setbacks in accessing and controlling resources such as land, houses and financial services. The bottlenecks are largely caused by a number of factors, one being cultural hegemony whereby the male is dominant over the female and secondly, the presence of unfriendly economic structures and bureaucracies in terms of procedures needed for women to have access and control of economic facilities. Najma Hussein Abdallah Haji, the Executive Director of Zanzibar Women Chamber of Commerce and Member of the Generation Equality Forum Advisory Committee, argue that women contribute significantly to the national economy considering the fact that the 2022 Housing and Population Census showed that Tanzania has a total of 31,687,990 women which is 51.3 per cent of the total population compared to men who stand at 30,053,130 or 48.7 percent. She says that women and youth who make up a large portion of the micro-economic sector achieve little or no progress in entrepreneurial activities due to the fact that the present structure financial services and institutions do not provide a friendly environment for women to excel. This includes access to loans and fiscal aid with restrictions which demand women to have collateral in terms of immovable assets like land, hence resulting in women’s failure to access funds and services in order to expand their capital and businesses. Haji also notes that in the cultural aspect, movements that are channeled in helping women economically have been viewed as a threat to male dominance. This, she argues, has led to misrepresentation and misinterpretation of what women’s empowerment is all about, adding that even the use of the word ‘gender’ is associated with women alone while it’ is a reference to both sexes, male and female. Thus, as a result, women in communities have been forced to remain home with no means to generate income but rather depend solely on their husbands as bread winners. In this formula, when a husband dies, the woman and her children become vulnerable and often lose inheritance to husbands’ relatives and become financially crippled and in some cases homeless. Hassan Hamisi Juma, Executive Director of the Association of Non-Government Organizations in Zanzibar (ANGOZA) says there are already initiatives including legal frameworks that are geared at helping women gain access to land ownership but notes that the problem is that most individual males and communities fail to accept this economic right for women. “The fact that such laws and regulations that protect women’s rights are not observed is a major hindrance to realizing gender equality and the reforms that intend to help more women have access to and control of resources,” he said. The 17th Economic Update by the World Bank shows that Tanzanian women continue to face serious constraints with regard to access to land, labour and productive assets. It indicates that 25 per cent of men are sole owners of land versus just 8 per cent of women while 7 percent of women are sole homeowners compared to 26 per cent of men. Tanzania’s rates of both landownership and homeownership are below the average for Sub-Saharan Africa due, largely, to low rates among women. According to Juma, the most convenient solution apart from leaders acknowledging and implementing initiatives to address such challenges, educational reforms are also necessary to increase awareness on women’s rights, empowerment and gender equality. “Narrowing provision of such awareness on equality should begin in schools where a special topic on gender issues is taught and continued in terms of advancing understanding of the agenda along educational ladder from primary to university,” he said. “Having such awareness is paramount in having a future where disregard for gender rights is not a norm and a future where generational equality is a real life practice rather than an agenda spoken and understood by the minority.” In light of the ongoing debates and discussions on gender equality, it is important for us as a nation to understand that alleviating poverty is possible when all groups are involved in production, access and ownership of resources.

Carlos Banda11/5/2023

Reforms essential for women also to excel in economic development with enhanced vigour

GENDER activists have suggested the need for policies and procedures reformation to access financial resources as a move to relieve women of poverty. In separate interviews, some of the activists noted that women are actively engaged in productive sectors but once they want to boost their economic activities they are denied to get support from financial institutions because of lacking collateral as the house they live in is owned by men. “This I think is very wrong, so I would suggest that women need to have their own arrangement so that they easily access loans and polish up their business undertakings,” said Najma Hussein Haji, the Executive Director of Zanzibar Women Chamber of Commerce. Najma, who is also a member of the Generation Equality Forum Advisory Committee, said that women contribute significantly to the national economy. She cited women and youth who make up a large portion of the micro-economic sector achieve little or no progress in entrepreneurial activities due to the fact that, the present financial services and institutions do not provide a friendly environment for women to excel. “This includes access to loans and financial aid which demands women to have collateral in terms of immovable assets like land, hence resulting in women’s failure to access funds and services in order to expand their capital and business,” she said. The activist noted that in the cultural aspect, movements that are channeled into helping women economically have been viewed as a threat to male dominance. A point, she has stated is a result of the misrepresentation and misinterpretation of what women’s empowerment is all about, and pointing out that the use of the word ‘Gender’ is not sided to women alone, but it’s a reference to all sexes, male and female. “Thus, as a result, women in communities have been forced to remain home with no means to generate income but rather depend solely on their spouses as the key breadwinners. In the likelihood when disaster strikes and the husband dies, the woman and her family become vulnerable to losing their inheritance to the husband’s relatives and become financially crippled and homeless.” Dr Monica Magoke-Mhoja, Outreach Director -Africa Landesa (Member of the National Advisory and Coordinating Committee on GEF) outlined that, Land is foundational to the human rights to housing, food, livelihood, a clean and healthy environment, cultural participation, and even to life; and land rights determine how women, girls, boys and men access, own, control, and bequeath land and other natural resources. “Progressive and comprehensive land rights help women break the cycle of poverty and improve not only their own lives, but those of their families and communities. The benefits of women’s land rights multiply in crucial ways both at home and in communities — when women have secure rights to land, spending on children’s education, land production and household nutrition increase,” she said. Land serves as a foundation for security, shelter, income and potential gender equitable livelihoods. However, land rights are not equitably distributed to all—and this is especially true for women in Tanzania. Patriarchal land ownership systems in Tanzania can mean that women are often dependent on men for access to land. Tanzania has ratified international treaties such as the Conve ntion on the Elimination of All Forms of Discrimination against Women (CEDAW), and introduced national laws seeking to address gender inequalities, but the prevailing customs are often discriminatory along gender lines,” she added. Dr Monica stated that the already existing interventions should be continuous around awareness rising through usage of all available media channels on the land-related gender inequalities so as to have ongoing engagement, target and reach a range of stakeholders in order to spearhead cultural change. She believes by doing so, a changed culture can help women have the required support to assert their rights as well as build on from prevailing customs that will help identify new opportunities to respond to new pressures on access to land as a resource, plus, create laws on equal rights to develop gender sensitive interventions. Hassan Hamisi Juma, Executive Director of the Association of Non-Government Organizations in Zanzibar (ANGOZA) also stated that there are already initiatives that are geared to help women gain access to land ownership. He however said the problem is that most individuals fail to observe this economic right for women and therefore the perpetrators get away without being held accountable. The fact that such laws and regulations to protect women’s rights are not observed is a major hindrance to realizing gender equality and the reforms that intend to help more women have access to and control of resources.

Carlos Banda11/5/2023

Zanzibar re-affirms commitment on generation equality

THE Indian Ocean Islands of Zanzibar have reaffirmed commitment towards achieving generation equality through advancing women’s economic justice and rights. Isles Minister for Community Development, Gender, Women, Elders and Children, Riziki Pembe Juma, made the remarks when addressing Generation Equality Forum Midpoint Conference in New York, US last week. She said the rights includes ensuring investments in gender-responsive public and private quality care services, law and policy reforms, creation of decent care jobs to recognize, reduce and redistribute unpaid care work. The Minister said Tanzania membership to the Global Alliance for Care has been key instrument for Zanzibar, providing a platform for learning and knowledge exchange on effective policies and programmatic actions that tackle the unequal distribution of care work, which inhibits women’s social and professional growth. In Zanzibar, for instance she said women spend just over four hours on unpaid work, compared to 0.7 hours for men. However, she said to overcome the challenges Tanzania and Zanzibar have incorporated specialised modules into the Household Budget Survey which measures the time allocation between men and women in both economic and non-economic activities. “We are also expediting the rollout of Universal Care Systems, aimed at ensuring equal enjoyment of human rights through care systems that reach the entire population. “These systems encompass services, infrastructure and frameworks designed to be inclusive of all individuals – women and men, in urban and rural settings, living with or without disabilities, leaving no one behind irrespective of their socio-economic status,” Pembe said. She said as part of implementation of the National Multi-Sectoral Early Childhood Development Program developed in 2021, Zanzibar has established 54 early childhood development centers to reduce the child care burden on women, and enable them to engage more in earning economic activities. The minister added that the government has encouraged the private sector to establish lactating rooms for nursing mothers, and has seen great examples of this in practice from two of Tanzania largest banks in the country, NMB Bank and CRDB. Dr. Doroth Gwajima, Mainland Minister for Community Development, Gender, Women and Special Groups and Chairperson of GEF, said Tanzania recognizes and takes care of women through placing efforts to address the challenges they face. She called on the stakeholders and the media to support the government to unearth violation of rights against women and girls so that justice can prevail, including advancing efforts to combat gender-based violence and empowering women to become economically capable to take care of their families. The 2023 Generation Equality Midpoint event provides an important opportunity to mobilize sustained attention to invest in gender equality as an accelerator for the SDGs at a time when women’s rights are under increased threats globally.

Carlos Banda11/3/2023

Zanzibar shows progress in advancing women's rights

Generation launched in 2021 at the Generation Equality Forum hosted in Mexico City and Paris. The Equality was Forum launched a five year action agenda encapsulated in a Global Acceleration Plan for gender equality, which defines the most critical actions necessary to accelerate progress in the next five years. The Forum also launched six Action Coalitions and a Global Compact on Women, Peace, Security and Humanitarian Action, each of which is spear-heading a critical part of the Generation Equality agenda. At the Forum hosted in Paris, diverse trailblazing stakeholders made over 1,000 policy, programme and financial commitments, representing an unprecedented aggregate value of $40 billion. The 2021 Forum marked the beginning of a multi-year process. Generation Equality leaders and allies will work aggressively over the coming four years to ensure accountability for commitments already made, secure transformative new commitments and enlarge and energize global cross-sector movements for equality. In 2023, the Midpoint Moment for Generation Equality took place at the UN Headquarters in New York City and online on 17 September. The event, convened by UN Women and the co-leadership of the governments of Iceland and Tanzania, was a critical moment for Generation Equality as it sought to assess, energize and grow its bold agenda for gender equality acceleration, building from its launch at the Generation Equality Forum in 2021. The 2023 Generation Equality Midpoint event provided an important opportunity to mobilize sustained attention to and investment in gender equality as an accelerator for the SDGs at a time when women’s rights are under increased threats globally and progress has stalled and reversed in more than 30 percent of the SDGs. Zanzibar as part of the United Republic of Tanzania was represented by its Minister for Community Development, Gender, Women, Elders and Children, Riziki Pembe Juma along with the Ministry’s Principal Secretary, Abeda Rashid Abdalla and House Deputy Speaker, Mgeni Hassan Juma. In her maiden speech, Pembe reaffirmed the Zanzibar commitments towards achieving generation equality through advancing women’s economic justice and rights. “Tanzania membership to the Global Alliance for Care has been key instrument for Zanzibar, providing a platform for learning and knowledge exchange on effective policies and programmatic actions that tackle the unequal distribution of care work, which inhibits women’s social and professional growth,” she said. In Zanzibar, for instance she said women spend just over four hours on unpaid work, compared to 0.7 hours for men. To address the challenges she said, Tanzania and Zanzibar have incorporated specialized modules into the Household Budget Survey which measure the time allocation between men and women in both economic and non-economic activities. Generation Equality aims to ensure that the bold ambitions of the 1995 Beijing Platform for Action on women’s rights are finally implemented, and that the Sustainable Development Goals are achieved. The Forum also launched six Action Coalitions and a Global Compact on Women, Peace, Security and Humanitarian Action, each of which is spear-heading a critical part of the Generation Equality agenda. Dr. Samia Suluhu Hassan, the President of the United Republic of Tanzania has committed to champion the implementation of the Economic Justice and Rights action coalition as an accelerator to women’s empowerment. Therefore, July 2023 marks the midpoint moment in the implementation of the five years GEF commitments. Policy, legal and institutional framework for women empowerment in Tanzania. Tanzania has been at the forefront of pomoting gender equality and women empowerment since independence. Both the 1977 Constitution of Tanzania and that of Zanzibar of 1984 declare the equality of persons as a right. The two constitutions prohibit all forms of discrimination. Based on the foregoing efforts, gender equality, women’s economic empowerment and women participation in leadership and decision making are priorities enshrined in all relevant laws, policies, and development frameworks of Tanzania. Achievements in the implementation of GEF national commitments Zanzibar has established 54 early childhood development centers and Tanzania mainland over 3,033 to reduce time spent by women for child care. Likewise, Tanzania and other stakeholders established nursing rooms in-offices and market places which are used by women for nursing. Water supply and sanitation services have been also improved whereby 77% of the Tanzania rural population and 88% of the urban population now have access to such services hence making an increase of a total of 3,575,919 households in rural and 2,345,537 in urban areas having clean and safe water at or near their homesteads. Furthermore, 76.7% of households have been connected with the national electricity grid in rural areas of Tanzania Mainland. Similarly, a total of 554,992 households equivalent to 75% in Zanzibar have access to clean and safe water. Zanzibar also during reporting time, continued to improve accessibility of electricity services whereby 573 households were connected to the national grid. These initiatives have contributed significantly to reduce the burden of domestic chores to women and hence have more time to engage in other productive activities. Over 2.2 million women accessed knowledge on entrepreneurship, including the use of marketable relevant technologies, value chain, financial literacy, leadership and marketing. The trainings on entrepreneurship to women entrepreneurs are a prerequisite before any issuance of loans. During the reporting period, loans totaling Sh748 billion were issued to 1,349,144 (Mainland 1,337,679 and Zanzibar 11,465) women entrepreneurs through Local Government Authorities internal revenues, Women Development Fund, National Entrepreneur Development Fund, Zanzibar Economic Empowerment Authorities, and other financial institutions. Tanzania also continues to promote women’s access to and usage of financial services and products as explained by the reduction of the gender gap in financial inclusion from 10% in 2017 to 4% in 2023. According to Finscope survey, 2023, the financial inclusion gender gap reduction is attributed among others by the increase in percentage of women using banking services from 66% in 2017 to 80% in 2023, women using Sacco’s services from 66% to 81% and women using microfinance institutions from 1.2% to 2.1%, respectively. These developments in women financial inclusion are results of the increase in provision of National Identification Number (NIN) to women, in which by June 2023, 10,521,596 women were given NIN compared to 10,163,061 women in April 2022. The NIN is a major criterion for women to open bank accounts and have access to different financial services including mobile money. These are few of the many exemplary achievements realized in the short implementation period. However, there are still challenges to achieve real success. Challenges These challenges include the existence of violence against women and children, negative impacts of climate change and economic systems that leave women and girls behind and the persistence of harmful cultural gender norms and institutional barriers that hinder women’s access to productive resources such as land, finance, support, knowledge, and information. Others are lack of mechanisms for quantification of the contribution of unpaid care work and domestic work, lack of mechanisms for accounting public and private spending for children as investments in future human capacities, and inadequate funding to facilitate implementation of initiatives for achieving gender equality and equity in the country, inadequate sex and gender desegregated statistics from sectors to inform decision- making among others.

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