COP28 Blog: loss and damage in the Horn of Africa

By Vincent Ondieki

The World Meteorological Organization reports that increasing temperatures and sea levels, changing precipitation patterns, and more extreme weather are threatening human health and safety, food and water security, and socio-economic development in the Horn of Africa. They further note that climate variability and climate change are major obstacles to resilience in the Horn of Africa, where increasing temperatures and shifting rainfall patterns are already affecting economic growth, livelihoods, food security, health, and ecosystems. 

Due to El Nino, devastating flash floods have killed at least 111 people, including 16 children, across the Horn of Africa in recent weeks. More than three-quarters of a million people have been displaced and the rains show no sign of slowing. In Kenya’s northern counties and capital, Nairobi, unrelenting rainfall has led to widespread flooding. An estimated 80,000 people have been displaced or marooned in this area alone, and a further 46 have died since the beginning of the rainy season in September. Fatalities and missing persons are being reported on an almost daily basis.  

Save the Children reports that heavy rainfall in Somalia and the Ethiopian highlands has left the central Somalia town of Beledweyne completely submerged. The Shabelle River burst its banks, forcing about a quarter of a million people, a full 90 percent of the population, from their homes. Across Somalia, eight children were amongst 32 people who are known to have died in the floods, with close to half a million displaced across the country. In Ethiopia, at least 33 people, including eight children, have died in the floods. Most drowned while trying to flee the devastation caused by the ongoing rains.  

Ironically, the El Nino rains come on the heels of the worst drought in this part of Africa in 40 years, a drought which itself followed five failed rainy seasons. The droughts and lack of rain had already decimated livestock and crops, pushing the region to the brink of famine. These weather events so cruelly following each other illustrate the extreme and irreversible impacts of climate change on already vulnerable communities in the Horn of Africa and the resulting losses and damages that vulnerable communities suffer. 

Thankfully, at COP27 parties agreed to establish a funding arrangement for losses and damages such as these. The commitment to a Loss and Damage Fund represents a renewed commitment to supporting local, rural, and vulnerable communities most affected by the climate crisis.  

At both the first Africa Climate Summit and the Africa Climate Week this past September there was a resounding call for the operationalization of the Loss & Damage Fund – including setting up a board to guide its directions. The COP28 transition committee has developed proposals for the fund on governance structure, replenishment, and accessibility.  

What happens in and beyond COP28 in Dubai must make loss and damage funds accessible to vulnerable communities. This is critical for climate justice and rebuilding trust, so that communities and nations can rebuild sustainably. If not, options exist to double commitments to finance adaptation to avoid occurrences of losses and damages. This is my wish for COP28.  

Vincent Ondieki is an Environmental Governance and Climate change specialist who has worked nationally (in Kenya) and continentally (in Africa). He recently started working with ACT Alliance on climate justice issues in Africa.

COP28 Press release: Climate crime scene media action

Climate crime scene media action

Time: 5th December 2023, 11h30

UPDATED Location Action Zone 9 (near the main entrance)

This visual stunt hosted by ACT Alliance and Don’t Gas Africa looks at a climate crime scene, with the outline of a body on the ground.  But who is the victim?  On energy day at COP28, join us to hear from vulnerable communities facing the brunt of the impacts of climate change, which speaks to the urgency of phasing out fossil fuels forever.

Powerful advocates from around the world will communicate how climate change disproportionately impacts communities across Africa and the Global South, who have done the least to contribute to climate change but are facing the worst of its effects.

Media Contact:
Simon Chambers, Director of Communications, ACT Alliance
WhatsApp: +1-416-435-0972 simon.chambers@actalliance.org

COP28 Blog: Vulnerability and climate finance

By Niko Humalisto

The distribution of the $100-billion-dollar climate finance commitment sparks competition among developing countries vying to be primary recipients of support. Notably, many African least developed countries (LDCs)

haven’t received aid from the key UN fund for climate action. Prioritising these limited finances for actions yielding the most benefits aligns with the interests of countries mobilising these funds. Central to this prioritisation is the concept of particular vulnerability. 

In climate negotiations such as COP28, nations often highlight their vulnerabilities: the Arabian Peninsula faces extreme heat, island states are grappling with rising sea levels, and countries with savannahs are at risk of desertification. Consequently, there is growing competition to establish vulnerability to increase the chances of being eligible for climate finance for mitigation, adaptation, and loss and damage in future. 

The competition for finance is partly due to scientific ambiguity. Vulnerability lacks a singular definition and can vary in terms of duration (long or short term), geographic scale, and an emphasis on societal, technological, or natural causes of vulnerability. Different scientific criteria lead to inconsistent results when answering the question of whether climate finances are largely targeted to vulnerable countries. Since a scientific consensus might not soon emerge, a political solution becomes imperative. 

Vulnerable or particularly vulnerable nations 

However, defining vulnerability politically remains not only ambiguous but controversial. The Paris Agreement identifies Lesser Developed Countries (LDCs) and Small Island Developing States (SIDS) as particularly vulnerable. The Bali Action Plan, established at COP13, designates Africa as “most vulnerable” alongside SIDS and LDCs. The original 1992 convention on climate change outlines various criteria affiliated with biophysical conditions, such as lowland coastal areas prone to floods or areas with high desertification risk as particularly vulnerable to the adverse effects of climate change. Despite attempts to differentiate between vulnerable and particularly vulnerable nations, all developing countries are eligible for climate funding. 

As negotiations proceed for the new quantified collective climate finance goal and the establishment of modalities for the Loss and Damage Fund, donor countries have noted that some Gulf states already have a higher GDP per capita than they do. This poses a challenge to a more than thirty-year-old division of donors and recipients. Many developing country groups strongly oppose this challenge and emphasise developed nations’ historic responsibility for climate change and corresponding responsibility to rectify it. The ambiguity in both scientific and policy realms impedes the creation of meaningful mechanisms to delineate eligible and non-eligible countries. 

Focus on local leadership and vulnerable populations 

For civil society organisations dedicated to promoting climate justice, having a position on this issue—a thorny, cross-agenda debate—is crucial. One approach is to emphasize local leadership in climate action, recognizing that when it comes to vulnerability, disparities within countries often surpass those between countries. ActAlliance also stresses targeting vulnerable population groups for financial aid, such as Indigenous people, persons with disabilities, or smallholder farmers. There is no scientific ambiguity as to whether these groups are vulnerable or not. Another avenue involves not committing to pre-established boundaries on particular vulnerabilities, opting instead to evaluate problems on a case-by-case basis as modeling technologies advance. 

We must also acknowledge that economic prosperity, climate change, and vulnerability are dynamic processes which require evolving criteria for financing eligibility. Insisting on robust differentiation mechanisms between countries based on vulnerability at this stage might do more harm than good. This is especially the case when there are existing avenues to channel financial resources into combating the climate crisis without increasing geopolitical tensions.  

Niko Humalisto works as a leading advocacy specialist for ACT Alliance member the Finnish Evangelical Lutheran Mission and holds a title of an adjunct professor in the University of Eastern Finland. Apart from his work in advancing climate finances and circular economies, he volunteers in the bicycle workshop in Turku, Finland.   

  

COP28 Press statement: Two sides of the same coin: Climate and Gender Justice

Two sides of the same coin: Climate and Gender Justice

Dubai, UAE- Climate justice and gender justice are two sides of the same coin – there can be no climate justice without gender justice.  The climate emergency is not gender neutral. Women and girls in all their diversity are on the frontlines, often first and worst impacted by the climate crisis.  

Research has shown that women and girls are 14 times more likely to die in a disaster than men, and we know that many disasters are a result of the climate emergency.  As these disasters get more frequent and severe as global temperatures continue to rise, there is a risk that gender inequalities are exacerbated, unless gender-transformative action is taken, including in climate finance.

Extractive economic models, human rights and land violations, and structural gender barriers, require transformative and interconnected struggles for justice.  

ACT Alliance has released a new report today Climate finance and gender: Lessons from Nordic efforts to integrate gender equality in climate-related development finance. The report’s recommendations to the Nordic countries include advocacy, tracking of finance with a gender lens, that transformative gender approaches be used and more.  The report can be downloaded here.

ACT Alliance calls on COP28 to:

  •   fulfil the human rights-related promises that are a key part of the updated Gender Action Plan adopted at COP25.
  •   ensure that COP28 climate finance decisions are gender-responsive and that financing reaches women and girls in all their diversity.
  •   that the Gender Action Plan influences all decision-making at COP28.

Quotes 

Gloria Pua Ulloa, SEDI Asociacion Civil, Argentina “There’s no climate justice if women and girls, in all their diversity, are not included in all decision-making processes related to climate change.”

Hanna Soldal, Act Church of Sweden, Sweden: “Gender justice and climate justice are two faces of the same coin. Women and girls are 14 times more likely to die from climate induced disasters than men.  There can be no climate justice without gender justice.”

Christina Cosby, Presbyterian Church of the USA “Youth, Indigenous Women, and local communities, most affected by climate change, offer valuable wisdom for innovative solutions. In climate finance at COP28, their engagement must move beyond ‘involvement’ to meaningful action for a more equitable and fruitful policy. Drawing on our faith traditions, they guide us by understanding our past, have the key to where we need to go, and the wisdom on how to get there. Climate Finance and Gender Justice are two faces of the same coin—you cannot have one without the other.” 

Media contact

Simon Chambers, director of communications, ACT Alliance
WhatsApp: +1-416-435-0972
Email: simon.chambers@actalliance.org

COP28 Press release: Media action- Two sides of the same coin: Climate and Gender Justice

Time: 4th December 2023, 16h00

Location UPDATED: Action Zone 9 (B1 near the entrance)

 This visual stunt will showcase calls for critical investment in gender-transformative climate finance.

The climate emergency is deepening gender inequalities. Extractive economic models, human rights and land violations, and structural barriers related to finance, education and health services, contribute to women and girls being 14 times more likely to die in a disaster than men. 

Powerful advocates from around the world will communicate how climate and gender justice are two sides of the same coin, and collectively call for gender-transformative and rights-based climate adaptation, finance, mitigation and disaster risk reduction

Interviews can be made available with: 

  • Gloria Pua Ulloa, SEDI, Argentina (English, Spanish)
  • Dr. Nahed Ayoub , Bishopric of Public, Ecumenical and Social Services (BLESS), Egypt (English, Arabic)
  • Hanna Soldal, Act Church of Sweden, Sweden (English, Swedish)

Media Contact:
Simon Chambers, Director of Communications, ACT Alliance
WhatsApp: +1-416-435-0972 simon.chambers@actalliance.org

COP28 Blog: Argentina’s changing climate most affects smallscale farmers, women, girls, youth and Indigenous

By Gloria Pua Ulloa

Climate change is increasing extreme weather events and has significant impacts on both ecosystems and people’s lives. Droughts, hurricanes, floods, and fires affect millions of people in Latin America each year,

jeopardizing food sovereignty and leading to significant migratory movements in the region.  

The extractive economic model and deforestation promoted by the hegemonic economic model threaten the continuity of rural, indigenous, and farming communities. These communities not only face challenges in their agroecological food production methods but also risk expulsion from their territories. Although there are no official figures indicating the number of people mobilizing in the region due to climate disasters, some estimates suggest that without concrete actions, millions of people could be forced to leave their territories due to climate impacts. 

In the province of Misiones, Argentina, where the Evangelical Service of Diakonia (SEDI, an ACT Alliance member) focuses its efforts and supports groups of farming families, community members speak of how critical the situation is due to prolonged drought and forest fires. Misiones is one of the few provinces in the country characterized by a warm subtropical climate without a dry season. Yet unusually long periods of drought are beginning to affect the region. 

Because of this, many of the farming and indigenous families supported by SEDI have lost vegetable and crop yields. The impact is so severe that they have been unable to preserve seeds for the next annual planting season. This significantly affects their strategies for feeding themselves and their communities, their primary means of resilience during periods of economic crisis such as the one currently affecting the region. Some community members say that they are in an even more pressing situation than during the worst part of the COVID-19 pandemic. 

The effects of climate change can be observed throughout the region. This underlines the need for urgent measures to curb the impacts of a changing climate and implement the loss and damage fund. The countries that have contributed the least to climate change are the ones most affected by its effects and require greater efforts for adaptation. Historical contributors to the increase in global temperature should bear the responsibility to contribute in terms of loss and damage, mitigation, and adaptation to protect the most vulnerable populations. 

Climate change also contributes to the growth of extreme poverty in the region. Women, girls, and young people will be the most adversely affected if the situation worsens. Historically, they have borne the brunt of economic inequalities. The worsening of the crisis hampers their chances for a dignified and fulfilling life.  

Our call is for states at COP28 to express their genuine commitment to climate justice and act now!

Gloria Pua Ulloa is a sociologist and works as Gender Justice and Youth Programme officer at the Evangelical Service of Diakonia -SEDI- in Argentina.  

 

 

Press conference at COP28: Global faith voices join together at Interfaith Talanoa Dialogue in Dubai

3 December 2023

FOR IMMEDIATE RELEASE

MEDIA ADVISORY

Dubai, United Arab Emirates: People of faith have been engaging in climate justice work for decades.  Over 150 people of faith from around the world came together at the Interfaith Liaison Committee’s Talanoa dialogue on November 30 to discuss the three questions of a Talanoa: Where are we at, where do we want to go, and how do we get there in our work for climate justice at COP28.

As the World Leaders’ Summit has wrapped up, the ILC is working on its call to the COP  for increased action to achieve climate justice and help keep global temperature rise to under 1.5C.  

People of faith (Christian, Muslim, Sikh, Brahma Kumaris, and many others) bring the experiences of communities on the front lines of the climate emergency, they bring a moral dimension to the debate, and they also bring technical expertise through their engagement in combating climate change and in climate justice advocacy. 

85% of the world’s population ascribe to a faith tradition, and faith communities are part of all communities in the world.  They work as part of these communities together with local leaders and communities to address the impacts of climate change.

The Interfaith Liaison Committee to the UNFCCC brings together faith constituencies working to achieve climate justice to raise their voices together and share their stories from their traditions and experiences around the world.

What: Calls from people of faith from around the world for concrete action at COP28 towards achieving climate justice for the most vulnerable, and sharing stories of the impacts of climate change in communities around the world.

Who: 

Sister Jayanti Kirpalani  Additional Administrative Head of the Brahma Kumaris
Rev. Chebon Kernell, Indigenous, World Council of Churches
Ms. Lucy Plummer from youth from Soka Gakkai International
Mr. Harjeet Singh, head – global political strategy, CAN international
Ms. Valériane Bernard, Brahma Kumaris representative to the United Nations, Geneva- Moderator

Where: Press Conference Room 2 Zone B6 building 77 and online

When: Monday, December 4, 2023 13:30-14:00 Dubai time

Why: Faith communities bring concrete experiences of the impact of climate change on the most vulnerable people, including women and girls in all their diversity and people on the move, who have done the least to cause climate change and are facing the brunt of its impacts. Faith groups are on the front lines, responding to climate change through mitigation, disaster risk reduction, adaptation, and more.

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 MEDIA CONTACT
Simon Chambers- WhatsApp: +1-416-435-0972, Email: simon.chambers@actalliance.org
Director of Communications, ACT Alliance

COP28 Blog: Strengthening community resilience in Egypt

By Dr. Nahed Ayoub, Ph.D.

Climate change is a pressing challenge for all countries across the globe, including Egypt and the MENA region. Egypt is already suffering from water scarcity, and climate change exacerbates this problem. Rising temperatures and changing precipitation patterns lead to more frequent and severe droughts, intense heatwaves, and flooding in coastal areas. This has a devastating impact on agriculture, food security, human health and well being. Moreover, the region’s unique ecosystems, including coral reefs, mangroves, and wetlands, are under threat due to the impact of climate change on cultural heritage, natural beauty, and the economy. 

The bishopric of public and ecumenical services (BLESS), the developmental arm of the Coptic orthodox church in Egypt, has two interventions related to adaptation and mitigation of climate change. The agriculture program focusses on small farmers, and the environment program targets people living in poverty in areas all over Egypt. 

The rural programme empowers marginalised groups of smallscale male and female farmers. It introduces knowledge and skills about new techniques that lead to greater production, more rewarding economic returns, and that preserve environmental balance. The programme also addresses interrelated impacts on climate and fresh water. It establishes eco-friendly agricultural practices and supports smallscale farmers with machinery and supplies to ensure better land productivity, crop efficiency, lower costs, and environmental maintenance. 

The environmental programme improves the conditions of communities living in poverty to develop an environment free of pollution. BLESS believes that each person has the right to live in a clean and healthy environment. This programme ensures sustainable development and preserves environmental rights such as adequate, clean water, for future generations. This is achieved through encouraging positive environmental attitudes and behaviours, developing solutions and alternatives for environmental problems and promoting the use of low-cost renewable energy technology.  The programme also increases community resilience by fostering adaptation to the impact of climate change. 

COP28 is crucial in addressing the effects of climate change on Egypt and other countries. Key issues include reducing greenhouse gas emissions to limit global warming to 1.5 degrees Celsius above pre-industrial levels, transitioning to low-carbon economies, and increasing adaptation finance.  

Developing countries such as Egypt and others in the MENA region need significant financial and technical support to build resilience. This will require investments in water management, agriculture, and infrastructure. Decisions at COP28 can ensure a sustainable and resilient future for the region. It is essential that all countries work together to reduce emissions, support adaptation, and build a more sustainable and equitable world. 

Dr Nahed Ayoub, an ACT COP28 Delegate, has a Ph.D. in water management, a master’s degree on the impact of global warming on food security, and a professorial master’s of gender and development. She is a BLESS program advisor on environmental, rural, and other development programs.

COP28 Blog: Building hope through action on the climate crisis

By Hanna Soldal and Sofie Ohlsson

A month ago, we sat in a room with Church of Sweden’s climate ambassadors. The group consisted of people of various ages, from different congregations and with diverse roles. But

Action: Faith groups marched to George Square in Glasgow on October 30, 2021, calling for climate justice on the eve of COP26. Photo: Simon Chambers/ACT

they all shared the will to be an active part of Church of Sweden’s roadmap for the climate.  

We talked about the urgent need for a change of values within our church, for us to be able to perform the activities needed to decrease our carbon footprint and to strengthen our voice for climate justice. Some suggested more church services focussed on the climate emergency. Others highlighted the role of the clergy to prioritise Creation in their sermons. Another idea was to arrange discussion groups on the topic.  

Then one of the climate ambassadors stood up and said: “You have gotten it completely wrong. We don’t change values through an engaged sermon or by a group talking about it once more. Values change through concrete actions! We gain hope, and influence the values of ourselves and others, by actually acting upon the climate crisis.”

With the words of this climate ambassador a fresh memory at COP28 it becomes very clear what is needed: ACTION. 

  • Fossil fuels must be phased out.  
  • Climate migrants and defenders need increased protection.  
  • The world’s rich countries must live up to their commitment of delivering USD 100 billion per year in climate finance.  
  • These countries must also contribute to the financing of a loss and damage fund to compensate those who have already been affected by the climate emergency.

All of this must happen in a just and inclusive way. High-emitting, rich countries must act upon their responsibility towards the most affected, least-emitting countries. Locally-led action for adaptation must be supported. Women, youth, Indigenous and local communities must have influence in both the decision-making and the implementation processes.    

If the parties at COP28 manage to agree upon these urgent needs, this could inspire climate action globally. In the same way, the actions of Church of Sweden’s climate ambassadors can spread like ripples on the water in their local contexts. By acting now we create hope and a change in values and behaviour long-term. Together we can create hope in action. 

Hanna Soldal is the Advocacy officer at Act Church of Sweden and Sofie Ohlsson is a Youth volunteer and climate ambassador, Act Church of Sweden and Church of Sweden Youth.

Sofie Ohlsson
Hanna Soldal. PHOTO: Gustaf Hellsing

 

        

 

 

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Countdown to COP28: ACT in the Middle East and North Africa

Rachel Luce, ACT Regional Representative, MENA.
George Majaj, ACT Humanitarian Programme Advisor, MENA. PHOTO: Simon Chambers.

As the Middle East and North Africa (MENA) region prepares to host COP28, we reproduce here our 2022 Annual Report interview with Rachel Luce, ACT Alliance Regional Representative for the MENA region and George Majaj, ACT’s MENA Humanitarian Programme Advisor. The interview will give you some insight into MENA issues and how ACT and its members address these issues during peacetime.

What are some of the key issues facing the region? 

Rachel: There are several protracted crises in the region. Linked to that is mass migration. Educated people are leaving, as is the Christian minority. The Christian migration is really on the hearts and minds of our local members, as this is where the historic churches are located. We also see big changes in the social fabric, and you lose the value of diversity. Migration is a big concern for all the members, along with the conflicts and ongoing wars. 

George: Most of the crises are becoming protracted. There are fewer political ways to end these issues – for example in Yemen, Syria, Iraq, and Palestine. There’s a lack of interest from funders and media. The political will at home and abroad is not there to solve the protracted crises in most of the countries in MENA, and that has a negative effect on communities. 

How do members in the region work together?  

In the Middle East, national forums meet monthly to discuss what they’re working on, joint areas of action such as training, what they’re hearing from other platforms they’re involved in, and how they might coordinate advocacy. The forums consist of country directors or their deputies. Iraq and Jerusalem have extended their forums so that faith-based agencies can join. 

The MENA Communities of Practice (CoPs), such as Gender Justice and Climate Justice, are connected to the forums. Each national forum sends at least one delegate to a MENA CoP. These are usually the thematic experts. MENA CoPs meet monthly and discuss aspects of the work they want to do together. They go to in-person events, such as trainings, and then report back to their Forum.  

What are the opportunities you see in the region? 

The MENA Gender Justice CoP wants to influence change in Christian family law in the Middle East. For Christians, family law is governed by their church, and it covers inheritances, marriage, divorce, custody, and similar issues. The Evangelical Lutheran Church of Jordan and the Holy Land (ELCJHL) changed their church’s family law a few years ago. The MENA Gender Justice CoP wants to see similar change across the region. They started with a study on Jordan’s church family laws. After hearing the consultant’s questions, the churches they interviewed decided to look into changing their laws. No one knew their own laws until they went to court to find out.  

One of the MENA Gender Justice CoP’s goals is to ensure family inheritances are divided equally between men and women and that women aren’t pressured into signing away their inheritance rights. They also want family laws to be transparent and accessible. Changing these laws makes real, true change in the lives of people.  

MENA’s Climate Justice CoP is growing every year. Season of Creation is on fire in the Middle East right now, which is amazing.  ACT MENA members also invested a lot in Egypt’s COP27. Now they’re talking about how to engage after Dubai’s COP28 in 2023. They’re showing a commitment to global negotiations in the long term.  

In MENA, we started by training members in country-specific multi-stakeholder dialogues where specialists reviewed adaptation, climate financing and mitigation. Once they understood climate justice at a country level, members engaged regionally because they could see the intersections. Now they’re making the link to the global level. They see how the fight at one UN COP can lead to additional financing and how they can push for climate ambition.  

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A participant in the 2022 Season of Creation celebration sponsored by MECC. PHOTO: MECC.

Season of Creation “on fire” in MENA 

The Season of Creation is the annual Christian celebration to pray and respond to the cry of Creation. The global ecumenical family unites to listen and care for our common home, the Oikos of God. It begins 1 September,

the World Day of Prayer for the Care of Creation, and ends 4 October, the Feast of St. Francis of Assisi, the patron saint of ecology. ACT Alliance has been part of the Season of Creation for many years. The Season’s initiatives encourage individual ACT members’ advocacy to influence decisions at global climate meetings such as the UNFCCC COP that follows shortly after the Celebration is completed.  The Middle East Council of Churches (MECC) translated the Celebration Guide into Arabic, a first, and encouraged its members to participate. In Lebanon, church youth walked in nature to “listen to the voice of creation.” Hosted by MECC, the activity inaugurated a series of celebrations throughout MENA. 

Women learn sewing in Jordan. PHOTO: Paul Jeffrey/ACT

Local members advance advocacy at home 

ACT Alliance welcomed a new Syrian member in 2022: GOPA-DERD (Department of Ecumenical Relations and Development of the Greek Orthodox Patriarchate of Antioch and all the East).  Local members are organisations indigenous to the region or country in which they work.  “Local members engage very quickly in the CoPs. They see the value of advocacy and the ACT programmes,” says Rachel Luce, MENA Regional Representative. “They have been championing local voices here and internationally and they advance advocacy in their own country. They see this work as their long-term commitment to their country and to their people.” 

Project profile: Restoring livelihoods for refugees 

ACT Alliance member Department of Service to Palestinian Refugees (DSPR) established a small business startup loan programme for Syrian refugees living in Jordan but found that the refugees’ high debt levels hampered success. DSPR decided to focus instead on helping refugees graduate from poverty, an approach that had been tried with Palestinian and Syrian refugees in Gaza. Programme participants now receive cash support for necessities for the first six to eight months and then receive training in topics such as life skills and starting a small business. They can then access loans and grants to establish a small business and are more able to repay loans. 

Did you know? In the multi-faith Middle East, each religion has historically had its own family law. As well, each Christian church has its own church law. In Jordan there are six different church laws governing family issues like divorce, custody and inheritances.