Strengths - Financial inclusion

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Comprehensive approach

The initiatives take a two-pronged approach, addressing both the demand and supply sides of financial inclusion. This involves enhancing financial literacy and knowledge among refugees and host communities, while also working with policy-makers and financial services providers (FSPs) to create a more enabling environment.

Tailored financial education (FE) 

The programme adapts FE training to local contexts, translating content and tailoring stories and characters to make it relevant. This includes addressing specific cultural and religious needs, such as ensuring loan products are Sharia-compliant for Muslim populations.  

Innovative financial products

The initiatives pilot and adapt financial products to meet the specific needs of the target groups, such as group lending products and loans without the same capital requirements as commercial banks. Each product is grounded in the context and client needs.

Strong partnerships

Partnerships with various stakeholders, including national institutions, international organizations and local NGOs, are a significant strength. These partnerships help make the most of resources and expertise and ensure that interventions are well integrated into national strategies and programmes on financial inclusion.  

Strengths - Social protection

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A rights-based approach

Social protection involves a commitment to building national social protection systems that are rights-based, universal and inclusive, explicitly including refugees and forcibly displaced communities. The right to social protection is embedded in international and regional human rights instruments, including the 1948 Universal Declaration of Human Rights and the 1966 International Covenant on Economic, Social and Cultural Rights (ICESCR). A core principle of a rights-based approach to social protection is equality of treatment between nationals and non-nationals, which reinforces refugee inclusion.

Supports formalization

By targeting interventions aimed at reducing informality through social security, PROSPECTS addressed poor working conditions experienced by both refugees and host community members in the informal economy. Since a significant share of refugee households is likely to work in the informal economy in some of the PROSPECTS countries, interventions have to accommodate their distinct challenges and needs in accessing social protection. For example, when extending maternity insurance with Kenya’s National Social Security Fund, the PROSPECTS team also considered adaptations to the registration process that would make it accessible to refugee women.  

Deepens technical engagement with HDPN partners

Social protection interventions in PROSPECTS countries drew on a decade of ILO experience working with UNHCR on the inclusion of refugees in social health protection schemes. Partnerships with humanitarian actors were built to ensure the effective inclusion of refugees and other forcibly displaced persons in national systems. The ILO’s operational expertise supported scheme design, financing and delivery. Humanitarian actors provided a unique understanding of forced displacement, and the related needs and politics.

Promotes evidence-based policy dialogue

The development of feasibility studies and costing of including refugees in national health insurance schemes fed into national policy dialogue, legal reforms and effective changes in registration, delivery and management of social (health) protection schemes. By generating evidence, PROSPECTS contributed to the design and operation of inclusive social security schemes, as seen in the government-led social health protection pilots in Ethiopia and Egypt.

Cost-effective in channelling funds

The added value of a strengthened national social protection system was emphasized in contexts where resources for humanitarian assistance were diminishing, necessitating a push for self-reliance grounded in employment. It provides social protection through existing systems and is more cost-effective than creating parallel humanitarian-aid channels. This approach also allows for better alignment of international support and can open dialogue for progressive moves towards sustainability.
 

Strengths - Job Search Clubs

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Adaptable to various applications

Job Search Clubs (JSCs) are highly adaptable and open to sector-specific applications as seen in the case of the  digital economy and green economy, where young people received tailored guidance on how to search and apply for jobs in those sectors.

Enhances national strategy 

The JSC methodology can be used as a tool to deliver opportunities for national strategies and development plans, particularly on youth employment. This is also a measure to reinforce national ownership of the methodology, particularly if it can demonstrate results against national development plans. It can also help young people target their job search in sectors that the government has prioritized for job creation.

Supports social cohesion

JSC can reinforce social cohesion when approached through a conflict-sensitive lens as the clubs bring forcibly displaced and host community participants together to work on a common challenge and offer mutual support. 

INT - Cooperatives and the wider social and solidarity economy

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When set up, cooperatives and SSE initiatives link to multiple areas of ILO work. They are key actors in value chains and stand to benefit from business development services, financial education and access to finance. They can also serve as an effective outreach body for raising the awareness and building the capacities of their members and workers regarding labour rights, including OSH and child-labour issues.

Here are some examples of how integration took place within the PROSPECTS programme regarding social enterprises and cooperatives:

INT - Business development services

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BDS is an area of ILO work that requires integration with other ILO pillars for supported enterprises to take off. Without an integrated approach, it is unlikely that trained individuals will be able to translate their knowledge into businesses or expand their existing businesses. To provide a holistic enterprise development support system, BDS needs to connect to many other interventions:

INT - Employment-Intensive Investment Programmes

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Integration is essential for achieving holistic service delivery and sustainable impact of the programme. By encouraging collaboration, aligning objectives and sharing resources, the intervention can enhance efficiency, avoid duplication and create synergies that maximize benefits for the target populations.

Here are a few examples of how integration took place within the PROSPECTS programme regarding Employment-Intensive Investment Programmes (EIIP):
 

INT - Employment services

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Because employment services play an intermediary role between workers and employers, they are, out of necessity, integrated within wider employment and business development support. Public employment services  play a coordinating role for job matching and implementing active labour market programmes (ALMPs). This was particularly so in cases where employment service support was directly linked to skills development initiatives, enterprise development and public employment programmes, such as Employment Intensive Investment Programmes (EIIP). 
Here are a few examples of how integration took place within the PROSPECTS programme regarding employment services:

INT - Work-based learning

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WBL naturally links to social dialogue processes. In developing a WBL programme, the selection of occupations, development of the curriculum and identification of workplaces to host trainees require insight and input from both employers and workers.

Here are a few examples of how integration took place within the PROSPECTS programme for work-based learning (WBL) and apprenticeships:

INT - Skills profiling, qualifications recognition and recognition of prior learning

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Integration across technical areas is essential for supporting long-term and sustainable employment outcomes. This supports the multidimensional and intersecting needs of the target group in advancing toward self-reliance.

Here are some examples of how integration took place within the PROSPECTS programme regarding Recognition of Prior Learning (RPL):

INT - Financial inclusion

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PROSPECTS has approached financial education primarily as a part of business development services. This has helped individuals apply the skills gained as a result of financial education by enabling them to access financial products that support the development, launch and growth of their business ideas. Other areas complemented access to finance – for instance, by supporting access to social insurance payments.

Here are some examples of how integration took place within the PROSPECTS programme regarding financial inclusion:

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