Sierra Leone Needs Assessment Report
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FINANCE, COMPETITIVENESS & INNOVATION GLOBAL PRACTICE FinancialFINANCIAL EDUCATION Education PROGRAM (FEP) Programin Guinea, Liberia, Sierra Leone Program “CASH for ” SierraWORK Leone NeedsSSN Sierra Assessment Leone Report Trainers ’ Manual June 2018 SIERRA LEONE, June 2017 iii © 2018 International Bank for Reconstruction and Development / The World Bank Group 1818 H Street NW Washington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of Executive Directors, or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. Rights and Permissions The material in this work is subject to copyright. Because the World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. Any queries on rights and licenses, including subsidiary rights, should be addressed to the Office of the Publisher, The World Bank, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2422; e-mail: [email protected]. Cover photos: © Étude Économique Conseil (EEC Canada). Used with the permission of Étude Économique Conseil (EEC Canada). Further permission required for reuse. Acknowledgements This needs assessment report was prepared by a team led by Siegfried Zottel (Senior Financial Sector Specialist)1 from the World Bank Group’s (WBG) Finance, Competitiveness & Innovation Global Practice and included Fares Khoury (Economist and President of Étude Économique Conseil, EEC Canada). Douglas Pearce (Practice Manager, GFM2B), Massimo Cirasino (Advisor, GFM2B), and Harish Natarajan (Lead Financial Sector Specialist, GFM2B) provided overall guidance to the team. The team is grateful to the peer reviewers of this content – Suleiman Namara (Senior Social Protection Specialist, GSP07), Laura Ralston (Economist, GSP07) and Mack Capehart Mulbah (Social Protection Specialist, GSP07) - for their valuable comments. The team benefited from the valuable inputs provided by Jessica Lee Massie (Financial Education Consultant, GFM2B). The team is also grateful to Julie Lee (Financial Education Consultant, GFM2B) who provided technical advice and inputs at early stages of this project as well as to Nina Rosas Raffo (Senior Economist, GSP07) and Abu Kargbo (Operations officer, GSP07) for their support and valuable contributions at each step of the curriculum design process. The team expresses its deepest appreciation to the Sierra Leonean National Commission for Social Action (NACSA) for their cooperation and collaboration during the needs assessment phase as well as during the testing and piloting of this content. In particular, the team wants to extend its sincere gratitude to the following officials and experts from NACSA who provided invaluable support and strategic guidance: Dr Susan Robert, Idriss Turay, Abraham Kailie, Akheem William Garber, Farama J. Bangura, Musa A.M. Dauda, Abdulai Kamara, Mohamed Lansana, Idrissa Mansaray, Mohamed I. Kamara, Mohamed Ganda Bah, Harold U. Koroma, N’gardie Konteh, Lawrence Sahr Sumana, George Roberts, Moriba Foday, Annie Gbateh. The team would also like to express its gratitude to EEC Canada’s core and field team, led by Isabelle Leyder (Deputy Project Director of the project). We are grateful to Prudence Ndayishimiye, (Country Manager at EEC Canada), to Nicolas Megelas (Regional Coordinator for EEC Canada) as well as all national team members of EEC Canada in Sierra Leone whose efforts and commitments made this project possible. The team’s sincere appreciation is further extended to Linda Bergeron, of Développement International Desjardins (DID) who provided pragmatic guidance during the preparation of this material. This report was produced under the National Payments System Development in Ebola Affected Countries project (P155002) funded by a grant from Ebola Rapid Response Trust Fund (ERRTF). 1 Can be contacted at: [email protected] NEEDS ASSESSMENT REPORT SIERRA LEONE TABLE OF CONTENTS 1 INTRODUCTION ............................................................................................................. 1 2 PURPOSE OF THE NEEDS ASSESSMENT ......................................................................... 1 2.1 NEEDS ASSESSMENT MAIN OBJECTIVE ...................................................................................................... 1 2.2 NEEDS ASSESSMENT METHODOLOGY ........................................................................................................ 1 2.2.1 Detailed methodology .................................................................................................... 1 2.2.2 Sampling of focus group participants ............................................................................. 2 3 KEY ELEMENTS ON TARGETED GROUP IN SIERRA LEONE ................................................. 4 3.1 RAPID EBOLA SOCIAL SAFETY NETS (RE-SSN) CASH TRANSFER BENEFICIARIES PROFILE ............................. 4 3.1.1 Profile of beneficiaries .................................................................................................... 4 3.1.2 Beneficiaries Profile and Curriculum Considerations ..................................................... 4 3.1.3 Financial knowledge and inclusion of beneficiaries ........................................................ 6 3.1.4 Knowledge, skills and abilities of beneficiaries ............................................................... 7 3.1.5 Training considerations .................................................................................................. 7 3.2 UNDERBANKED AND UNBANKED POPULATIONS PROFILE ............................................................................ 7 3.2.1 Profile of beneficiaries .................................................................................................... 7 3.2.2 Financial knowledge and inclusion of beneficiaries ........................................................ 8 3.2.3 Knowledge, skills and abilities of beneficiaries ............................................................... 8 3.2.4 Training considerations .................................................................................................. 8 4 MAIN ACTIVITIES OF (FINANCIAL) EDUCATION FOR TARGETED GROUPS .............................. 9 4.1.1 Best practices for training of beneficiaries ...................................................................... 9 4.1.2 Proposed timeline .......................................................................................................... 9 4.1.3 Potential financial education topics and rationale for recommendation .......................... 9 5 VARIOUS MEDIA PARTICIPATING IN FE ACTIVITIES ......................................................... 12 6 CONCLUSION AND RECOMMENDATIONS ........................................................................ 12 APPENDIX 1. LIST OF INDIVIDUAL MEETINGS HELD .............................................................. 14 APPENDIX 2. KEY INFORMANT INTERVIEWS - LIST OF PARTICIPANTS AND SUMMARY .............. 15 APPENDIX 3. FOCUS GROUP MEETINGS - LIST OF PARTICIPANTS AND SUMMARY ................... 21 i NEEDS ASSESSMENT REPORT SIERRA LEONE TABLES TABLE 1. NACSA’S FRAME OF BENEFICIARIES OF THE RE-SSN PROJECT FROM PORT LOKO AND BO DISTRICTS 2 TABLE 2. BENEFICIARIES PROFILE AND CURRICULUM CONSIDERATIONS 4 TABLE 3. ACTIVITIES AND ESTIMATED TIME REQUIRED 9 TABLE 4. MAIN TOPICS BY TARGET GROUP 10 TABLE 5. LIST OF INDIVIDUAL MEETINGS HELD 14 TABLE 6. SUMMARY OF FOCUS GROUP DISCUSSIONS HELD IN SIERRA LEONE – OVERVIEW OF BLOCKS 16 TABLE 7. RAPID EBOLA SOCIAL SAFETY NETS (RE-SSN) CASH TRANSFER BENEFICIARIES – FINANCIAL CAPABILITY FOCUS GROUP DISCUSSION 22 FIGURES FIGURE 1. DISTRICTS AND CHIEFDOMS SELECTED FOR THE FG DISCUSSIONS WITH RE-SSN BENEFICIARIES 3 FIGURE 2. FINANCIAL LITERACY TRAINING CASCADE 7 ii NEEDS ASSESSMENT REPORT SIERRA LEONE 1 INTRODUCTION The recent Ebola crisis in Sierra Leone, Liberia and Guinea required mobilization of a large number of health and other related workers (e.g. contact tracers) to respond to the crisis. In addition, to deal with shock associated by the disruption of economic activity, authorities needed to ensure and/or expand the social support programs. In both cases, a key challenge was to provide swift, secure, auditable and low-cost disbursement of payments to recipients throughout the country. In response to these challenges, the World Bank Group (WBG) launched the project Supporting National Payment Systems in Ebola Affected Countries (SNPS), to provide technical assistance to current interventions in the Ebola Emergency Response and future initiatives as the countries recover from the crisis. The Financial Capability component of the SNPS aims at improving the chances for successful implementation of payments and increasing confidence in new payment approaches (phone-based, cards, etc.). Under this Financial Capability component, the WBG will provide targeted technical assistance to social protection programs in the three countries