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.

FALS Phase 1 Catalyst Tools

Oikocredit Catalyst Overview presentation (interactive pdf)

Five tools are introduced over 2 weeks with clients and staff being trained in parallel to allow both clients and staff to learn the same tools and use them for their own personal lives, and for staff to learn clients and for both to learn facilitation skills.   Details of the programme are adapted to the schedules of clients and staff with a combination of half and full days.

The tools are facilitated in different ways depending on particular mixes of participants, aiming for each set of participants to have a coherent and cumulative skill set and able to share with others in different types of setting. For guidelines and examples of different facilitation options and techniques for FALS see:

Empowering Facilitation Techniques

Suggestions for participatory facilitation of workshops for the catalyst tools based on experience in the Philippines are given for each tool below. Peer sharing is mostly done informally based on the mobile versions  and animations of the tools.

Gender Empowerment Tools

  • 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?

FALS Tool 1 Vision Journey mobile version
FALS Tool 1 Vision Journey screen presentation
FALS Tool 1 Participatory Workshop Facilitation Notes

  • Tool 2: 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.

FALS Tool 2 Happy Family Tree mobile version
FALS Tool 2 Happy Family Tree presentation
FALS Tool 2 Happy Family Tree: Participatory Workshop Facilitation Notes

Financial Empowerment Tools

  • Tool 3: 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.


FALS Tool 3 Financial Empowerment Map mobile version
FALS Tool 3 Financial Empowerment Map Presentation
FALS Tool 3 Financial Empowerment Map: Participatory Workshop Facilitation Notes

  • Tool 4: Loan Business Challenge Action Tree: Identifies in more detail recurrent challenges for the business for which they propose to take the loan in relation to 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.

FALS Tool 4 Business Challenge Action Tree mobile
FALS Tool 4 Business Challenge Action Tree presentation
FALS Tool 4 Business Challenge Action Tree : Participatory Workshop  Facilitation Notes

  • 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.

FALS Tool 5 Financial Management Calendar mobile version
FALS Tool 5 Financial Management Calendar presentation
FALS Tool 5 Financial Management Calendar : Participatory Workshop Facilitation Notes

FALS Review: Client Empowerment Deepening

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

FALS Review Suggested Schedule

  • Tool 6: Gender Empowerment Diamond :  looks at gender issues that constrain women and men from achieving their full potential. This builds on the discussion from Tool 2 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.

FALS Tool 6 Gender Empowerment Diamond mobile version
FALS Tool 6 Gender Empowerment Diamond presentation
Gender Diamond Monitoring Sheet Draft March 2018 : ASKI

  • 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.

FALS Tool 7 Empowerment Vision Highway mobile version 
FALS Tool 7 Empowerment Vision Highway presentation

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).

Suggestions on how each tool can feed into the above is given in the guidelines for each tool above. How FALS can be streamlined and integrated into activities of each of the participating partners is still to be further developed and piloted together with clients based on experience by September 2018.


Copyright and Usage

© Linda Mayoux 2017

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

Copyright aims

The aims of this Copyright are to:

  • make the methodology as freely available as possible, including for use by smaller local organisations on the ground and including further adaptations and innovations by others.
  • create thereby a change movement that can work together for community-led gender justice advocacy.
  • avoid distortion of the methodology by plagiarism that can  and bring it into disrepute. Thus damaging possibilities for advocacy and fundraising by all those working hard on the ground.
  • avoid powerful organisations and ‘experts’ imposing their own copyright restrictions in adaptations of the methodology and maintain freedom of use for all.

Conditions of use

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

  • you notify Linda Mayoux through filling in the comment form below, stating the purpose for which you are using it. She will then contact you by email.
  • there is a very clear and visible accreditation of the authors of the relevant materials and the implementing and funding organisations.
  • there is a URL link to the original document on this website, and a link to the page on which it originates prominently displayed and a link to this copyright page.
  • Linda Mayoux is cited as the originator of the PALS methodology and its GALS, FALS and other derivatives.
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For the original document and other PALS/GALS/FALS adaptations and experiences for livelihoods, value chain and coffee sector see: http://gamechangenetwork.org/empowerment-methodology-pals/ . For more about experiences of using the methodology elsewhere see links from: http://gamechangenetwork.org and Facebook page: https://www.facebook.com/GAMEchange-Network-419097981602626/ . Any further adaptation and use of this document should observe the ethical Copyright principles stated in: http://gamechangenetwork.org/copyright/ in the interests of maintaining free use of the methodology and expanding the gender advocacy movement. Any errors of translation or interpretation (and also credit for further innovation) lie with the authors.


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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.


Iddi Mchome, Chome, Vuasus Cooperative Union, Same Tanzania



Simu: 0786 578577/0788 066683


Mimi naitwa Iddy Mchome,Nimezaliwa mwaka 1975 nimesoma darasa la saba 1999, Sekondari  mwaka 2004, kazi kwa sasa mi ni mjasiriamali.

Mafunzo nilipata katika shirika la Swis contact juu ya vicoba na tukaelimisha watu jinsi ya kuungana pamoja na kuunda mfumo wa kuweka na kukopeshana.

I am Iddy Mchome, born in 1975. Finished primary education in 1999 and secondary education in 2004, am entrepreneur.I received training on village cooperative bank (VICOBA) through SWIS CONTACT, from then I started training people on how to build the system of saving and loans.


Malengo makubwa yalikuwa ni kuwawezesha wakulima wadogo wadogo kusaidiana. Kwasasa tumefikia kuunda vikundi vinne(4) lengo lingine tuliona tuwashirikishe sana kina mama kwani kina mama wengi wa vijijini wana kipato duni sana ukilinganisha na kina mama wa mjini.

Baadhi ya wakina mama wamefanikiwa kubadilisha maisha yao kwa kusomesha watoto kuinua uchumi wao na biashara na pia kubadilisha mfumo mzima wa maisha yao kwa ujumla na kwa sasa tuna tarajia kuunda vikundi (10) hadi mwaka 2016.

The main plan was to help small scale farmers help each other. As for now we have managed to build four groups. Another plan was to involve women since many village women have low income compared to women from urban areas.

Some of the women have benefited from this by advancing their life, sending children to school, starting small business and develop economically. We have planned to establish new 10 groups by 2016


Nilifanikiwa kupata mafunzo ya GALS kuanzia mwaka 2013 baada ya kupata mafunzo hayo kwanza nilifahamu nini ndoto yangu ni njia ipi ambayo itaniwezesha kukamilisha malengo yangu baada ya kupata elimu, kwanza maisha yangu yalibadilika kutoka nyumba ya vyumba viwili hadi kuwa nyumba ya vyumba 4 na vyoo ndani , baada ya hapo nilifanikiwa kutembelea baadhi ya vikundi mbalimbali kutoa elimu na baadhi ya vikundi vimetambua umuhimu wa mafunzo ya GALS.

I was lucky to receive GALS training in 2013. After this training my dreams and ways to attain them were revealed. Through applying the training my life have changed in a positive way, for instance I moved from a 2 rooms house to a 4 bedrooms self contained house. I visited some VICOBA groups and trained them on GALS as well


Ndoto yangu mimi nikutoa elimu kwa kila kaya juu ya ushirikishwaji wa kina mama kupata hati miliki ya nyumba mali pamoja na mambo mengine kwani kina mama wengi wa kiafrica mume anapotangulia familia iliyobakia inanyanyaswa sana. My dream is to educate each household on the importance of women to own house tittle deeds and shared properties, because most African women undergo a lot of discrimination when their husbands die.


Matarajio yangu kwa kushirikiana na muwezeshaji wa GALS tutaona umuhimu wa kuelimisha jamii juu ya umuhimu wa kumshirikisha mama juu ya hati miliki, baada ya hapo mimi nina washukuru sana GALS na nitakuwa tayari kushirikiana nao katika mafunzo mbali mbali pale nitakapohitajika kwani jamii ya watu wengi bado wanahitaji kuelimishwa. By cooperating with As GALS trainer, I expect to train community on the impontace of involving women on owning house title deeds. Moreover I am grateful to GALS crew, and I wil be available for other training whenever needed because community members still neeed to be educated.


Nicolaus Abraham, Gandu, Vuasu Cooperative Union, Tanzania

Abraham showing how far away he lives from Gandu cooperative centre. Right up on the distant mountain by another road.

Personal Statement


Nicolaus Abraham ni mmoja wa wanachama wa GALS ambao mliwafundisha, katika ndoto yake kwa mwaka 2014 ni kujenga nyumba yake ya vyumba vitatu na sebule katika ndoto yake alikuwa na nyumba ya vyumba viwili.Lakini kabla hajapata mafunzo ya GALS hakuwa na mpango wa kujenga nyumba nyingine kwa mwaka 2014.Baada ya kupata mafunzo haya aliamua kubomoa na kujenga nyumba nyingine ya vyumba vitatu na sebule kwa mwaka 2014 baada ya mafunzo. Ili kutimiza ndoto yake.

Nicolaus Abraham is one of the GALS champions. His dream of 2014 is to build a house with three bed rooms and a living room, in reality he has a two rooms house. Before receiving GALS training he had no plans of building a house on 2014. After the training he decided to build his dream house of three bedrooms and a living room on 2014 in order to live his dream.


MALENGO:     Ni kutoka Kwenye vyumba viwili hadi kufikia vyumba vitatu na sebule ya kisasa katika barabara ya malengo alikuwa na fursa zifuatazo:

VISION: To move from a two rooms house to a three bedrooms and living room house, towards working on his plan he had the following opportunities:

(a)   Ng’ombe  2 2 cows

(b)   Kuku  20 20 chicken

(c)   Fedha Money 3,500,000                             3,500,000/=

(d)   Kilimo cha maharagwe ekari         3 3 acres of beans farm

(e)   Kilimo cha fiwi ekari                      2 2 acres of lablab farm

(F)   Kilimo cha mahindi ekari   3 3 acres of maize farm

Ilikufikia barabara ya malengo itakayomfikisha Kwenye ndoto yake fursa hizi alizigawanya katika vipindi vitatu Kama ifuatavyo: in order to work on his plan to make him live his dream, these opportunities were devided on three timelines as follows:


Aliuza ng’ombe moja kwa thamani ya Tshs Laki tano na ishirini elfu (520,000/=).Mwezi wa tatu hadi wa sita akauza tena kuku watano kwa thamani ya Tshs.75,000/=. Mwezi huo huo wa tatu hadi wa sita katumia Fedha ya ziada Tshs. 2,095,000/= (Milioni mbili na tisini na tano elfu).

Between March and June he sold one cow at a price of Five hundred and twenty thousands shillings (TSH. 520,000/=), five chicken at TSH. 75,000/= and spent TSH 2,095,000 from his personal savings.


Alitumia fursa zake kama ifuatavyo: He used his opportunities as follows

  • Feza za akiba million 1,000,000 Personal savings TSH. 1,000,000
  • Maharagwe gunia tano 750,000 5 sacks of beans TSH. 750,000
  • Fiji gunia 3 kwa shs 380,000 3 3 sacks of lablab TSH. 380,000
  • Mahindi hakufanikiwa kuvuna He did not harvest any maize

Hivyo kwa mwezi wa sita hadi wa tisa alifanikiwa kupata takribani Tshs 2,130,000/= (Milioni mbili na laki moja na thelathini elfu). Therefore between June and September he was able to collect approximately TSH. 2,130,000


1)         Alitumia akiba ya shs 1,000,000 He used his personal savings TSH.1,000,000

2)         Ng’ombe moja shs       610,000 He sold 1 cow at TSH. 610,000

                                    Jumla  1,610,000 Total 1,610,000

Hivyo Jumla alipata Tshs milioni na laki sita na elfu kumi.

Katika barabara ya malengo alikusudia kujenga nyumba yenye thamani ya milioni kumi na tatu na laki tano. Lakini kwa awamu tatu alifanikiwa kupata milioni sita laki nane na elfu thelathini na tano.Hivyo mgawanyo wake ni kama ifuatavyo: He planned to build a house worth TSH 13,500,000. However for the first phase he managed to collect TSH 6,835,000, thus he devided it as follows:

  • Mwezi wa tatu hadi wa sita boriti                                     1,360,000
  • Mwezi wa sita hadi wa tisa tofali 400                                         800,000
  • Mwezi wa tatu hadi wa sita bati 45                                          675,000
  • Mwezo wa tisa mawe tani 3                                          500,000
  • Mwezi wa tisa hadi wa kumi na mbili ujenzi 1,000,000
  • Misumari                             150,000
  • Fundi kupaua                                           500,000
  • Frem milango na madirisha                                          400,000
  • Shata mlangoni na dirishani                                          502,000

                                                                        Jumla              5,887,000

  • March to june boroti 1,360,000
  • From June to September he bought 400 bricks 800,000
  • From March to June he bought 45 iron sheets 675,000
  • On September he bought 3 tones of stones 500,000
  • September to December he paid for construction 1,000,00
  • Nails                                                                        150,000
  • Payment to roofing technician                      500,000
  • Doors and windows frames 400,000
  • Door and windows shutters 502,000

TOTAL                                     5,887,000


Katika barabara ya malengo alipata changamoto ambazo hakuweza kufikia malengo yake nazo ni: the following were the challenged he encountered as he was implementing his plan

  • Ukame Drought
  • Magonjwa Diseases
  • Shule School fees
  • Magonjwa ya Mifugo Livestock diseases

Mpango wake ni kumalizia nyumba yake kwa mwaka 2015 kwa fursa nyingine zilizobaki na kuongeza kilimo kama hali ya hewa itakua nzuri. His plan was to finish building his house by 2015 by utilizing other remaining opportunities and increasing energy in agriculture if drought will not strike.



  • Ufugaji wa Ng’ombe Livestock keeping
  • Kilimo cha fini tambarare
  • Kukata kuni na kuzipasua na kuuza preparing and seeling firewood
  • Kupika tofali making bricks
  • Uchomaji wa Tofali


  • Kupika cooking
  • Kufua laudry washing
  • Kufagia cleaning the house
  • Kuosha vyombo Dish washing
  • Kuogesha watoto shower the children
  • Kuchota maji fetching water


  • Kubeba kuni Carring the firewood
  • Kilimo cha maharagwe beans cultivation
  • Kilimo cha mahindi maize cultivation
  • Kuwapa kuku chakula feeding the chicken
  • Kupiga nguo pasi laudry ironing

Chambua Coleman, Chome, Vuasu Cooperative, Same Tanzania

Coleman is a trained extension officer. He gets trainings from the government and other NGOs and sometimes TaCRI (Tanzania Coffee Research Institute) and trains voluntarily for the government on extension. He is not paid for this but gets reimbursement of costs. His motivation is to get certificates. He suggests that obtaining Certificates as GALS trainers would help both to show for further GALS expansion to other villages and other cooperatives as well as for jobs.

He was taught GALS by Hawa Arckland, He has only taught 1 person, he thinks he still needs to understand properly. He has been very busy organising agricultural fairs for the government in the village. He suggested that in the next fairs he will organise trainers to talk about GALS. About 500 people turn up for the fair while the fair is going on normally other crop producers like cabbage growers turn up and he suggested that one GALS trainer could cover one crop producers and share while the fair is going on.

Reverend Mchome Julius WiliJohn, Chome, Vuasu Cooperative Union, Same, Tanzania


Reverend Julius Wili John was formerly a seventh day Adventist. But he got a calling through the assemblies of God ministry and started a church. His wife is also a preacher. As wife of reverend her role is to support and conduct counselling sessions to women.

Julius was taught GALS by Hawa Arckland. His vision is to be a bishop. On his Vision Journey he decided to do an onion farm – that he has now achieved.




Before GALS he and his wife attended trainings from Adra Tanzania with Ministry of Health. The trainings were conducted from house to house advising people on many issues including food security, education, HIV/AIDS and Land rights. All women should know responsibilities in house like children need to go to school, women should clean house, should have rights to ownership of property and earn money together. They plan for school fees and other household issues together. On gender balance his wife is happy and she says they share most of the responsibilities. They own assets together including land. They have a temporally land title signed by the village chairman indicating all assets belong to the family. Even if he dies the village office recognises the wife as the heir.

Julius has taught Philemon Wilfred, his wife and other two group members.The wife was interested to learn livelihood tools.

Personal Statement


SIMU: Mobile 0786 114 105/0768 506 863

Mimi mch. Julius ni mzaliwa katika kijiji cha Marieni Tar 20/02/1965. Nimefanikiwa kuoa mwaka 1993,nimepata watoto 5 wakike mmoja na wakiume wanne.Mimi kama mchungaji nimefanya kazi ya kumtumikia Mungu kwa muda mrefu. I was born on 20th February 1965 at Marieni village. In 1993 I got married and blessed with 5 children, 4 sons and 1 daughter. For long I have been saving God as a reverend.

Baada ya kupata mafunzo ya GALS niliyopatiwa kutoka kwa mkufunzi Hawa yamenipa fursa ya kuniwezesha kutambua na kufahamu mambo mengi sana likiwemo swala la kiongozi bora. Nimeamini kuwa kiongozi ni kuwa mfano kwa wale unao waongoza kwa nafasi tofauti tofauti, Mfano mimi ni mchungaji ni naye ongoza watu 67 wanaume 23 na wanawake 44.Pia kati yao kuna wamama wajane 5 na watoto yatima 12, mimi kama kiongozi nimefanikiwa kuwafundisha ndoto na malengo kimaisha na pia kuwaonyesha barabara ya mafanikio bila kusahau mti wa usawa wa kijinsia.  GALS trainings have opened my mind to different things one of them being leadership. I believe now that, being a good leader one has to be a good example to the people he is leading. As a reverend I lead 67 people, 23 men and 44 women whereby amoung them there are 5 widows and 12 ophans. I have trained this congregation on the importance of having dreams and vison in life, the road to success and gender equality tree.

Changamoto ninazo kutana nazo mimi kama mchungaji, nakutana na  watu wenye magonjwa sugu na matatizo mbali mbali. As a reverend I face challenges such as I meet people with chronic diseases and other different  problems

Malengo niliyonayo ni kuwa na Usafiri utako niwezesha kupeleka elimu kwa washirika walioko maeneo mbali kama Tae wapo 9 na Vudee 12 kuhusiana na swala la kuwaelimisha juu ya ndoto,malengo na barabara ya mafanikio, bila kusahau mti wa usawa wa kijinsia. If I will be assisted to get my own transport, I plan to reach other people who are far from where I am, for example in Tae there are 9 people and in Vudee there are 12 people who are ready to be trained on dreams, visions, success road and gender equality tree.

Wako Mchungaji Julias Yours Rev. Julias


Lilian and Evalina Mtaita, Chome, Vuasu Cooperative, Same Tanzania

Lilian Mtaita was among the first champions at the Vuasu Catalyst Training in October 2013. After the training she went back to school because her vision was to study nursing and become a good nurse. But she taught GALS to her mother, Evalina Julius.

Evelina has learnt good farming practices and livestock through her Vision journey. Lilian and her mother are now keeping exotic cows, which her mother planned through her Vision Journey.

Lilian explained to her mother the Gender Balance Tree. They saw that if they work together on one thing they can increase income. She used to use an axe to get firewood for household now her husband does. He also helps with cooking eg while she comes to meetings. The family is in the process of registering land at village office.

Together they did the Leadership empowerment map. Evelina learnt more tools and trained 30 other people trained in her VICOBA savings and credit group. They have introduced her to other crops etc.