FALS Toolkit: Oikocredit, ASKI, NWTF Philippines

Financial Action Learning System (FALS) Toolkit produced as part of the Bridging the Gender Gap project implemented by Oikocredit, ASKI and NWTF in Philippines and funded by Church of Sweden.

Oikocredit FALS Overview: interactive pdf presentation (to be revised and updated at the end of the project)

FALS Phase 1 Catalyst Tools

September 2017: Five tools were introduced through a 5 day workshop with 20 client ‘champions’ and core implementing staff. Following the workshop and further training of staff by the MFI Tool 5 Loan management Calendar isbeing  integrated into the Loan Management process.

  • Tool 1: Vision Journey:  introduces basic drawing, diagramming, participatory and planning skills: What does a happy family look like? what are women, men and children doing? what do they have? who owns what? what is the role of micro-finance? What is there already? what important changes are needed? What are my opportunities and challenges to reach my vision? What is my target by the end of the loan cycle, and what are the steps to achieve it?

Oikocredit FALS Tool 1 Vision Journey mobile version.


  • Tool 2: Financial Empowerment Map: Looks at emotional, financial and power relationships that can help or constrain progress, including access to financial resources and people they can share the empowerment tools with. As well as increasing understanding of clients’ lives by FSP staff, this tool forms the basis for the upscaling plan and identification of champions who might be paid in future.

Oikocredit FALS Tool 2 Financial Empowerment Map mobile version

Oikocredit_2_FinancialEmpowerment Map_Presentation

  • Tool 3: Happy Family Tree: Looks in more detail at division of work, expenditure, assets and decision-making in the family. How to make these both more efficient and equitable. This tool forms the basis of empowerment and gender indicators for SPM, and a tool that can be used and aggregated to assess change.

Oikocredit FALS Tool 3 Happy Family Tree mobile version.


  • Tool 4: Increasing Income Challenge Action Tree: Identifies in more detail recurrent challenges in production, marketing and household, looking at gender issues and role of micro-finance. This Tool is also used by the FSP for participatory market research on specific products and services.

Oikocredit FALS Tool 4 Business Challenge Action Tree

  • Tool 5: Financial Management Calendar : A plan for business and financial management, integrating learnings from the Happy Family Tree, Financial Empowerment Map and Challenge Action Tree.  The tools is tracked as a tool for learning to manage businesses and finance better. At FSP level this becomes over time a required part of the loan application process, and assessing applications for loan rescheduling. When applying for loans clients need to bring any previous FMCs and a new FMC for the loan being applied for.

Oikocredit FALS Tool 5 Financial Management Calendar mobile version.


FALS Phase 2: Client Empowerment Deepening

March 2018 (forthcoming) a further 5 day workshop is being held to review the changes and tools so far, and bring them together to deepen client empowerment, particularly on gender issues.

  • Tool 6: Client Empowerment Diamond :  looks at gender issues that constrain women and men from achieving their full potential. This builds on the discussion from Tool 3 Happy Family Tree and serves as a retrospective review of the changes that have happened because of FALS. It also identifies client priorities for further changes. These then enable client-led identification of gender indicators that can be integrated into SPM and used as a gender checklist for assessing product innovation. This same tool can be used with staff as part of development of an organisational internal gender policy.

Oikocredit Tool 6 Gender Empowerment Diamond

  • Tool 7: Empowerment Vision Highway : brings together the Loan Management Calendar, Happy Family Tree/Client Empowerment Diamond and Financial Resources/Change Leadership Maps into a 3 lane ‘Highway’ plan. This is used to summarise the economic, gender and leadership changes that have happened because of FALS, and plan further change on all three lanes for the next loan cycle.

Oikocredit FALS Tool 7 Empowerment Vision Highway

FALS Phase 3: Sustainable Mainstreaming

FALS is a two year process and goes therefore beyond the one year pilot project. Sustainable mainstreaming entails FALS integration into:

  • Loan Management: Full integration of the Loan Management Calendar, backed up by the other tools in case of repayment difficulties into the loan application process implemented by loan managers. This has started with the pilot, but requires a couple of loan cycles to fully refine and train all project management staff and the clients.
  • Other capacity building, and possibly addition of other PALS/value chain/GALSatScale tools.  This has started – for example use of the Vision Journey for staff career planning. But needs further training of the MFI in other PALS tools. Integration serves to reduce costs of FALS training and means that other trainings are further strengthening client planning, participatory, communication and analytical skills.
  • SPM as client empowerment and gender indicators with manageable modes for collection of information by loan management and/or SPM and/or other research staff.
  • Product innovation and market research process: this requires capacity building, piloting and refinement of a further Tool 8: Win-win product innovation tree (based on other PALS Challenge Action/Win-win trees in value chain development).



© Linda Mayoux 2017

Unless otherwise stated, all materials on this website are copyright of Linda Mayoux.

The materials are free for use and adaptation for noncommercial and ethical purposes under Creative Commons protocols, on the condition that :

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  • Linda Mayoux is cited as the originator of the PALS methodology and its GALS, FALS and other derivatives.
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Swahili Songs and Videos

Swahili Song Videos

Tutangazeni: https://www.youtube.com/watch?v=wABZZ-S1RFs
Tutangazeni Mobile: https://www.youtube.com/watch?v=fQHfMfx6y_w
We Are The Champions: https://www.youtube.com/watch?v=_s53pamo4tc
We Are The Champions Mobile: https://www.youtube.com/watch?v=Ir8XdeZregk
Tunaanza: https://www.youtube.com/watch?v=bWyLMDfII8E
Tunaanza Mobile: https://www.youtube.com/watch?v=nHhp7L4LylE
Kazi Na Usawa: https://www.youtube.com/watch?v=fym1waiqjYw
Kazi Na Usawa Mobile: https://www.youtube.com/watch?v=d9htLWnlwTY

Gender Balance Poem: https://www.youtube.com/watch?v=N3bEFLN9nZ8
Gender Balance Poem Mobile: https://www.youtube.com/watch?v=ZAlyL6f8GjU

Leadership Song:
Leadership Song Mobile: https://www.youtube.com/watch?v=tQ10VkmMX_Q


For downloads see: http://www.galsatscale.net/Resources.html#songs

Songs – Swahili words and English Translation

Video Resources

Dina’s interview

(1/3) Story: https://www.youtube.com/watch?v=10_fb5mJhW8
(1/3) Story Mobile: https://www.youtube.com/watch?v=mx9r0qWWNvo
(2/3) Journey: https://www.youtube.com/watch?v=1zLT5sH3YwM
(2/3) Journey Mobile: https://www.youtube.com/watch?v=LuqBDLkboOQ
(3/3) Vision: https://www.youtube.com/watch?v=7hcz96-0VI0
(3/3) Vision Mobile: https://www.youtube.com/watch?v=RVBxUcgkYaQ

Livelihood Tools

Hawa’s Coffee Calendar: https://www.youtube.com/watch?v=S11s7JmfLkU
Hawa’s Coffee Calendar Mobile: https://www.youtube.com/watch?v=vd9-j8Wonmc
Joseph’s Coffee Tree: https://www.youtube.com/watch?v=7H0AlR9E5Uw
Joseph’s Coffee Tree Mobile: https://www.youtube.com/watch?v=RsL_4sAvsQI

GALS Catalyst Process Kyrgyzstan

GALS Catalyst Workshop, Naryn May 2016 Photos

Soulmate Visioning

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Gender Diamonds

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Household Efficiency Tree

Gender Challenge Action Tree

Mothers-in-law: Why their daughters-in-law do not love them

Daughters-in-law: Why their husbands are jealous

Men: Why they do not have enough income for the family

Discussing Upscaling plans

Community Day

Notebook Diaries


Farewells at the Trout Farm

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The basic principle of PALS is that people need to really value their learning, and that money should not be wasted producing thousands of manuals and toolkits given out for free that people do not use. Only the first champions are given notebooks. Then in the peer sharing process other people buy their own.

One idea developed in Tanzania and Kenya as part of the Hivos galsatscale process, and currently being considered for Ethiopia, were simple notebooks for the champions to sell.

Basic idea

Champions would receive notebooks with the core tools and information printed on the front and inside cover at cost price. These would be of varying quality and price to on-sell at market price to people in their peer sharing network, schools etc. Based on a market assessment by the champions. The margin being then used as a community fund for eg savings and credit seed money, women’s rights, youth work etc. As also decided by the champions.


1) to give the champions a means of attracting more people into their network once they have got sufficient experience with training and facilitation. It also enhances champions’ status and makes the methodology more visible and ‘official’. It is also a way of recruiting more active champions who then also on sell and maintaining the core messages.

2) to increase promotion and outreach of the main gender/youth messages and the tools to a very large number (thousands) of people to start to bring them into the system and motivate them to learn more. In Tanzania focusing on schools for example led to potential outreach of thousands just in one community. In both Kenya and Tanzania the focus is also on private sector and cooperatives as part of Good Agricultural Practices technical training.

3) to create a sense of common community – notebooks can be updated and reprinted each year with photos and/or contacts/names of ‘top ten champions’ as a means of social recognition.

4) to bring children into the system as an entry point to their parents. If children use the books and colour in their own visions, share these with parents, who then also do theirs, then this is also a way of consolidating relationships in the family bringing in fathers as well as mothers.

5) to build up community funds – people pay for the notebooks, but the money does not go back to the provider but into a transparent community fund. Maintaining the principle of ‘no free lunch’, but making sure that the lunch money is collected for common benefit.

6) to promote the contacts of lead persons who can be hired in further replication in other organisations, and also ethical branding  for national and international organisations in the process.

Suggested contents

The printing is only on the cover, both sides and back and front so 4 pages. These would be a combination of:

  • short development messages eg Women’s Rights in CEDAW on back cover
  • pictures and short steps of the 4 main tools in that process on the inside of the cover 2 at the front and 2 at the back. In Tanzania people were literate so very short Swahili text was given. That would also be appropriate for eg schoolbooks. Where people cannot read and write the the pictorial tool steps can be shown. But the aim is just to remind people of the basics so they do their own drawings on the other pages, but also still have the standard main steps to share with others to whom they may sell notebooks.
  • contact and organisational information, maybe list of top 10 women and men champions, and logos and contacts of sponsor organisations.
  • standard boxes for person’s name etc.


Discussion with champions in Tanzania and with printers indicate that this would be viable if the scale of on-selling is large enough to do a bulk order of over 10,000 books with one design. This would be possible with promotion through schools and coops.

It is the best use also of any project money for materials – instead of more glossy toolkits you can reach many thousands and encourage self-reliant learning.


Different versions at different prices can be produced – for example very cheap black and white colouring books on different coloured covers for the very basic messages and then more glossy ones for livelihood tools  when people are ‘hooked’ on the methodology.

In Tanzania people said the most popular notebooks would be ones that were specific to different communities eg with pictures of a local landmark. But these would also be more expensive to produce. A combination of the following were developed:

1a) Deluxe full colour with photos of the villages and champions and catalyst tools outside and inside the cover.

small size. These would be relatively expensive and need to be subsidised either by the printer as part of their CSR and/or by the private sector company as part of their brand promotion – with both the logos on. That is the preferred option for the champions.

Illela Notebook Swahili: Daftari_Illela_darkblue_Swahili_20_24.5cm

Ngima Notebook Swahili 20×24.5cm: Daftari_Ngima_darkblue_Swahili_20_24.5cm

Same Notebook coloured draft:  Daftari_Same_darkblue_Swahili_20_24.5cm

1b) Counterbook size with all the tools on the back cover. This would reduce printing costs but maybe smaller market. Maybe do one of these for the whole process with pictures from all the locations.

1c) Use this for the livelihood rather than the basic tools. Once people have been attracted to the system through the cheap standard notebooks.

2a) Cheap standard notebook with just one (black) or two (green or red and black) on cheap paper

This could be used as a colouring-in book as a more active experience. That would be very good for eg promotion for school children – maybe promoted in a school class by a teacher from the process. This could be available at the same price as other school exercise books.

GALS Notebook Black and red small

2b) A counterbook or A4 version could also be done with all the tools just on the back cover.

3) Calendar format

Another option considered was to design calendars eg with a Multilane Plan and some photos of champions instead of the standard corporate calendars that companies and organisations give out.


  1. Market research needs to be done with champions based on what they think people will buy, but also including printers to advise on types of paper, colours and types of images to put together something that is both impactful and cost-efficient. This needs to be sustainable in the longer term – once the first market push creates demand.
  2. Need to understand the literacy levels of proposed customers and produce different versions.
  3. Notebooks are not a substitute for proper peer sharing – handing a notebook to someone for them to buy is not sufficient. This would need to be made clear to the champions, and also people buying them.
  4. How would the pre-financing be arranged between the implementing organisation, private companies/coops and champions?

Veronica Mchome, Gandu, Vuasu Cooperative Union, Same, Tanzania  

Personal Statement

Chama cha Msingi Gandu Gandu Primary Society, Hedaru, Same, Kilimanjaro Mimi ni Champion VERONICA MCHOME kata ya Hedaru Wilaya ya Same Mkoa Kilimanjro.Nchi yangu Tanzania.

Mimi ni champion wa Chama cha Msingi GANDU VUASU. I am Veronica Mchome a champion at Gandu Primary society at Vuasu which is located at Hedaru ward, Same district in Kilimanjaro region Mimi niliingia mafunzo ya GALS na kuna mambo ambayo nimefanya baada ya kufundishwa. Nilipoanza mafunzo haya nimetimiza mwaka mmoja katika mafunzo haya GALS.

It has been one year since I received GALS training, and I have started applying some of the training already. Ndani ya mafunzo haya nilikutana na fursa na changamoto.Na katika mafunzo haya nimeyapenda kwasababu yamenifundisha mgao wa bajeti katika familia yangu. I like these trainings because have taught me to budget resources in my family. Pia mafunzo haya ni mazuri kwani ni ya mgao katika malengo ya familia zetu na mambo ambayo nimefanya niliona nipange kazi zangu katika miezi mine (4), nilianza na kulima Maharagwe gunia 1 nikapata shs. 50,000/=.Nikaamua nianzishe Biashara ya nguo, ndani ya miezi minne ya pili niliamua nicheze kikoba.

The trainings are good because they have taught us to have vision in our families. After the training I devided my vision into four months period. During the first four months I harvested one sack of beans from my farm and I sold it at Tsh. 50,000. Following that I started a garments selling business. During the second four months I joined VICOBA Katika kikoba nilicheza kistatila siku ya Jumatano nilikuwa ninatoa shs. 5,000/= kila Jumatano. Nilifurahi sana kwasababu niliweza kupangilia mambo yangu mimi mwenyewe.Katika miezi minne ya pili niliulizwa na wenzangu na nikawafundisha. Every Wednesday I was contributing Tsh. 5000 to VICOBA, I was able to plan well my life.

During the second four months my fellows noticed a change in me so I decided to train them as well. Nilipoanza kuwafundisha niliwafundisha majirani, marafiki na watoto waliopenda kusikiliza mafunzo haya ya GALS. Walifurahia mafunzo haya kwasababu walikuwa hawakujua kupangilia mambo yao vizuri lakini wakajua. I started training my neighbours, friends and some children who were interested in listening GALS training. They were all very happy because they learnt to plan, something they never knew. Na katika miezi minne ya mwisho nilipanga katika miaka 3 nitapata TShs.250, 000/= na hapa nilipo katika mwaka wa kwanza nikapata TShs.135, 000/= nilifurahi kwasababu mipango yangu itafikia malengo bila shida. Pia Tshs 135,000/= ni pamoja na kuvuna kikoba. During the last four months I set another plan that, for three years I will save Tsh. 250,000. Am in the first year of my plan and I have already saved Tsh. 135,000 from all sources including VICOBA Mimi nimeona kwamba kupitia mafunzo haya nimeyaona ni mazuri kwani nimepata mabadiliko kwa muda muafaka na pia wale niliyowafundisha walipata mabadiliko kwa muda muafaka kwa ujumla.

Through this training I have observed positive changes both to me and the ones I have trained Kwahiyo tunatarajia kubadilika zaidi kupitia mfumo huu wa mafunzo haya kwasababu yametuwezesha kufahamu umuhimu wa usawa wa jinsia. So we expect to see more positive changes through this training because we now know the importance of gender equality.

Elinazi Eliapenda (Mpole), Bwambo, Vuasu Cooperative Union, Same, Tanzania



Mimi Elinazi  Eliapende (Mpole) nimekuwa mkulima mzuri sana wa zao la kahawa tangu mwaka 1981 baada ya kumaliza elimu ya msingi. I Elinazi Eliapende (Mpole) have been a very good coffee farmer since 1981 upon completion of my primary education

Idadi ya miti yangu ya kahawa ni 700 wastani wa kilo ninazopata tangu 1981-2014 ni 1700kgs. Nimeendelea kuwa mkulima hadi mwaka 2012 nilipochaguliwa kuwa Mkulima Kiungo. Mafunzo niliyopata kwa kampuni ya TUTUNZE KAHAWA LTD. Ambapo baada ya kumaliza mafunzo na kuhitimu nilipatiwa cheti toka TaCRI, nilifaidika na mafunzo hayo kwa kuyatumia kwenye shamba langu pamoja na kuwafundisha wakulima wengine katika kikundi change ambao pia waliyatumia mashambani na kufaidika,kabla ya mafunzo hayo nilikuwa nikilima bila malengo bila utaalamu kwa hiyo mavuno yalikuwa kidogo bali sasa ninavuna mavuno mengi na bora. Jumla ya wakulima niliowafundisha na kubadilika ni 27.

I have 700 coffee trees, since 1981-2014 I harvest an average of 1700kg of coffee. I was selected to be a promoter farmer in 2012 through trainings offered by TUTUNZE KAHAWA LTD. After completing the training I was awarded a certificate by TaCRI. Before the training I did not follow good agricultural practices thus harvest were few of low quality. After applying what was trained harvests have improved a lot in terms of quality and quantity. I also trained other farmers both individuals and groups and amoung them 27 have seen a positive change.


Mnamo mwaka 2012 ndipo nilipopata Elimu (Mafunzo) ya GALS .Mafunzo haya yamenisaidia sana kwani yamenielimisha kuweka malengo kuyafanyia kazi kwa michoro. Elimu hii niliipata kwa mara ya kwanza toka kwa Ndugu Lickson Samwel ambaye alinitia moyo, kunifundisha kuweka malengo  hadi kuwa na mafanikio makubwa ndipo nilipoanza ufugaji wa kuku 60,ng’ombe 2 na sasa kondoo 2 On 2012 I received GALS training from Mr. Lickson Samwel who encouraged me to have vision and draw them in a paper. Through this I managed to start livestock keeping and now I have 2 cows, 2 sheeps and 60 chickens.


  1. Ndoto yangu My dream
  2. Michoro kuonyesha mti wa usawa wa jinsia Gender equality tree drawings
  3. Michoro kuonyesha uwezeshaji jamii(kuwafikia wengine) Community mobilization drawings (how to reach others)
  4. Michoro kuonyesha – Mti wa malengo Vision tree drawings
  5. Michoro kuonyesha – Mti wa mafanikio Succees tree drawings
  6. Mchoro kuonyesha – Mti wa Biashara Business tree drawings
  7. Mchoro konyesha – ramani ya masoko Markets map drawings



  1. Kiongozi Bora – Uongozi Leadership
  2. Mti wa uzalishaji Production tree


  1. Nimeonyesha ndoto na kuweka mipango ya kuitimiza I have examine my dreams and set ways to reach them
  2. Nilikuwa natawala familia lakini sasa ninaongoza kwa msaada wa usawa wa jinsia I was bossing my family nowadays I lead it by following gender equality
  3. Nilikuwa najifunza mwenyewe bali sasa nawafundisha wengine I train other community memebers
  4. Sikuwa na malengi ya kazi bali sasa naweka malengo na kujitahidi kuyafikia I had no vision, nowadays I set visions and ways to reach them
  5. Kuonyesha mafanikio kwa kuchora kama ufugani nk Through drawings I can illustrate my success
  6. Kugundua mbinu za kupata masoko na kuyafikia. To discover new methods to get markets


Kuendela kujifunza zaidi kuboresha elimu na kuwafikia wengi zaidi ili kuwapatia elimu hii na kuleta mabadiliko katika uzalishaji wa zao la kahawa pamoja na maisha kwa ujumla katika jamii. To keep on learning and train other community members in order to improve coffe production and life as a whole


Wakulima wote niliowafundisha wamebadilika katika uzalishaji na maisha ya kifamilia na kuwa na ushirikiano.Nilifundisha watu 27 .Wanaume 15 na Wanawake 12. I have trained a total of 27 farmers (15 male and 12 female), they all have improved farm production and family teamwork


Matarajio yangu nikiwezeshwa kupata Usafiri na posho ninakusudia kuwafundisha watu wengi zaidi Kijiji hadi Kijiji – Kata hadi Kata na Wilaya hadi Wilaya na kuanzia elimu hii ndani na nje ya Tanzania.Ili kufikia watu wengi zaidi ya 50,000 na kuleta mabadiliko. I expect to reach and train 50,000 people and more in different villages, wards, districts and even other countries if I will be given transport allowance and per diem.