for food and clothes), and less often for productive purposes (e.g. to purchase business inputs or farm implements). It would be desirable to enhance the usage of loans for productive investments and business creation. This could be achieved through the provision of intense group or household coaching for income-generating activities.

Households and communities are considered resilient when they can meet their basic needs in a sustainable manner without external support during times of stress or disaster.


The findings of the evaluation suggest that the interventions have positively contributed to building resilience. Many of the beneficiary households were able to improve their access to financial services, increase their livestock assets, and diversify their income sources. They also benefited from social integration into business and savings groups. Furthermore, the project, and in particular the provision of the seed capital, increased the likelihood and reduced the time needed by households to recover from the severe drought in southern Africa in 2016.