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Response to Questions:
1. The implementation of the idea has to extent, resulted in the desired outcomes as shown in the proposal and implementation plan. The evaluation assessed how those identified targets and expected outcomes were achieved, based on the feedback obtained from direct beneficiaries, Disabled Peoples Organisations(DPOs), donors and other stakeholders. Broadly we are confident that, the project interventions have been effective.

2. From the time we started the idea through training workshops increased women's knowledge on gender, human rights, managing business, HIV/AIDS, access to health and education. The level of women's dependency on handouts and support from their families has decreased confirming that women with disabilities can now live independent life after being economocally empowered by the project. E.g. one beneficiaries during monitoring and evaluation visited Ms Soliwe Moyo who is physically disabled, keeping cattle and pigs in Silobela, Lower Gweru, in Zimbabwe said that "I thank Oxfam, DHAT for training me in business management, human rights and HIV/AIDS. I can now run my own business effectively and profitably and feed my family though am also a member of a group gardening project run by a group of DHAT community gardening". In Zambia and Malawi, women with disabilities have now gained knowledge on how to delop business plans, record keeping and bookkeeping. They have also knowledge in HIV/AIDS,Family planning and Sexual Reproductive Health. Group leader Ms Phyllis Gororo of 5 women with disabilities from Afroknit Project in Bulawayo Zimbabwe doing tailoring and catering sais"From the project we have bought houses, sent children to school, bought medication and support families and open investment account with the bank for each project member".
3. Yes! and it has worked very well. After training beneficiaries we link them with financial institutions, NGOs, Women organisations, Government departments on Gender and Economic empowernment and National Disability Trust Funds in Zambia, Zimbabwe and Malawi for soaft loans and sustainability. This has worked very well in areas where beneficiaries have delayed or not paid back individual loans in the revolving fund bank account.
4. Yes, the project is involved in partnerships with financial institions such as National Disability Trust Funds established by Governments and act as brokers for trained beneficiaries in securing loans for their businesses. We also partner with the Association of the Agriculture Exxtension officers who also provide training in agriculture inputs and chemicals, NGOs, supermarkets and shops who buys the products and other wares. We are in the process of approaching FAO regional office in Harare, Zimbabwe for technical and financial assistance as well.
5. The Loans to group system is implemented by DHAT Management and project team based on professionalism observing the culture of participatory strategic planning, linkages, innovations and good practices, environment scanning (baselines) for the impact, scaled up approaches, develop Mand E strategies,funding initiatives for the loans, governance and management of the laons and financial controals. We also look at the DPOs team building and accountability, displine of members/group to be considered for loans, conduct SWOT Analysis. In most cases we encourage those women who have small start up capitals and doing businesses so that they come together and choose type of joint businessthen DHAT suppliments the capital in form of the loan for the revolving fund within the country. The earns or profits are banked into a revolving bank account which should benefit the next group in that counrty. This has worked very well, and if their is need for more capital we link the project with other stakeholders. DHAT and DPOs assist with market identication for the products.
This system is good than granting loans to individals who some times becomes difficult to repay. It also helps in Mand E, the next group to benefit will be monitoring the benefiting group for theit turn.
5. There is a plan for the repayment agreed by DHAT, DPOs and group of the beneficiaries. The repayment is based on the DHAT repayment guidelines reivestment.
6. There is need for the project to find out to ensure that women do not end up indebted:
a) How many members are on full time salary from the project?
b) Where do the project source their raw materials and how do they pay for the raw materials encouraging them to mostly pay cash as aposed to credit?
c) How far is geographical area of business from where clents live?
d) How is the project financed,monitored and evaluated(looking at tools)
e) How is the governance and management systems put in place?
f) How does the project determine their profits and share among members?
g) Does the project have guidelines profit distribution?
h) How do the member top up and access their additional capitals to avoid dedts.

Hi Ashley, the training manual was developed through participatory method. We adopted the ILO Disability Elements in Training for Rural Economic Empowerment (TREE) Model. The two elaments found effective are: 1. Its a community based training programme that includes disabled people and their families in its mainstream programme. 2. It promotes income generation and employment opportunities for disabled women, men and their familiesby developing skills and knowledge relevant to their communities e.g. keeping livestocks, farming (gardnerning) etc . Finally, the training can be offered to any type of disabilitied. Lastly, most of the pictorial slids are in my reports attached and am failing to upload them in this response. I cant find the button you mentioned to upload them.