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Women are used as weapons in conflict - but we are fighting back with empowering education

A group of women on the programme, Women for Women International - DRC

My country, the Democratic Republic of Congo (DRC), has seen constant wars for over two decades. Women have been used as weapons in this conflict through individual and mass rape, sexual slavery, acts of mutilation, murders and massacres. Despite ceasefire agreements signed by the warring factions, the east of the country remains dangerous due to armed groups and militias which are uncontrolled and always active.

DRC has over 400 tribes, and each tribe has social norms one must follow in order to be an activemember of the community. These norms are completely patriarchal, keeping women and girls' status below that of men. The combination of conflict and rigid gender norms mean that women are permanently dependent on men, and viewed as a source of pleasure and material goods.

In the communities where I work, women face disproportionate levels of poverty, lack of basic infrastructure, and low levels of education – most cannot read or write. There is also a high prevalence of rape and domestic violence, and laws to protect women's rights aren't enforced. Over the past year, women have been affected by the COVID-19 pandemic, which has blocked all their activities. Women who relied on crossing the border to stock up and find ways to fund their children's education have found themselves without jobs. Meanwhile, their husbands, who are at home all day, have become more violent. Rates of domestic abuse have noticeably risen and many girls have fallen pregnant because they haven't been in school.

I've lived my whole life in Bukavu, a city in eastern DRC's South Kivu province. After training as a nurse, I decided I wanted to work in the humanitarian sector – specifically for an organisation which fights for gender equality and women's empowerment, which has always been close to my heart. As an Advocacy Coordinator for Women for Women International, I support the most marginalised Congolese women to defend their rights.

I manage a 'Change Agents' training programme, which teaches women advocacy and leadership skills, improving their ability to influence decisions at home, to establish networks, and to bring about positive, sustainable changes for themselves and their communities. The training builds women's knowledge of key issues such as violence against women and girls and women's economic empowerment. Women develop advocacy strategies to tackle these issues in their local communities, and learn practical skills to influence decision-makers and other community members. After taking part in the training, Change Agents are able to lobby for more effective protections for women through the law or politics. They can effectively challenge informal customs and traditions that prevent women from owning property, inheriting assets, or holding certain jobs. They also raise awareness of women's rights by passing on their knowledge and recruiting other women in the community.

Change Agents become role models for other women, and several have gone on to occupy positions of responsibility within their communities - notably as president of the Parent's Committee and Development Committee, and as a point of contact for gender-related issues within the community. Women are now being invited to key meetings on community issues, they can express themselves freely and their ideas are listened to. Thanks to Change Agents' advocacy, women and girls in certain families now have access to their inheritance. They've successfully advocated for the reduction of illegal taxes which target women's small businesses – removing barriers so that women can improve their socio-economic status.

Persistent, harmful gender norms that we see in DRC require a long-term effort for change to be effective. That is why it's vital for the international community to invest in women's advocacy – it has the power to transform society. If a woman knows how to take decisions, that hugely reduces the amount of violence committed against her, since she knows how to say no when something isn't acceptable to her. She won't allow her authority to be stifled or taken away by men. Women are the main producers of goods and the main providers of services in the communities we support - their participation and leadership is critical to ending cycles of poverty and conflict.

My work, and the success of our Change Agents in DRC, is made possible by the generosity of international funders such as players of the People's Postcode Lottery. As a time with governments are increasingly diverting funds and attention away from gender equality and women's rights programmes, their continued commitment gives us reassurance and hope for the future.

Looking ahead, we hope to be able to extend our programmes to many communities in DRC which are still in need. We are working to build strong, women-led alliances which will advocate at different levels in order to change harmful gender norms that are being reinforced by war and COVID-19. I see at first-hand how women can use their power to transform attitudes that fuel violence and discrimination, and lead the change towards more peaceful, stable and equal societies.

Women founders continue to come up against common challenges and biases

Written by Kelly Devine, Division President UK & Ireland, Mastercard

Starting a business may have historically been perceived as a man’s game, but this couldn’t be further from reality. Research shows women are actually more likely than men to actively choose to start their own business – often motivated by the desire to be their own boss or to have a better work-life balance and spend more time with their family.

The recently published Mastercard Index of Women Entrepreneurship 2021 found that in the category of 'Aspiration Driven Entrepreneurship’ – capturing those who actively choose to start their own business – women in the UK surpass men: 60% vs 56%. And Mastercard research from February 2022 found 10% of female business owners started their business in the past two years compared to 6% of men – meaning women were 67% more likely to have started a business during the pandemic.

Yet, there are common challenges that women founders continue to come up against - not least the gender imbalance in the household and long-held biases which are still prevalent.

In the UK, women are almost three times more likely to be balancing care and home commitments than men, and this was exacerbated during the pandemic as the additional barriers of school closures and lockdowns meant that the care time of dependents rose significantly on a day-to-day level for women. In addition, women were less likely to have access to a home office, greatly impacting the work they were able to accomplish when working from home was the only option.

It's also widely known that female business owners are still more likely to struggle to access funding for their business ideas. According to Dealroom, all-women founding teams received just 1.4% of the €23.7bn invested into UK start-ups in 2021, while all-male leadership teams have taken almost 90% of the available capital.

Without financial support, and when juggling significant time pressures both at home and at work, how can women grow their companies and #BreaktheBias (as this year’s International Women’s Day termed it)? What tools or support can save them time and money, and give them the headspace they need to focus on building their business?

With female owned businesses collectively estimating revenue growth of £120 billion over the next five years, solving this problem is bigger than supporting women – it’s about supporting the national economy.

Using tech to level the playing field

There are clearly societal issues at play that need to be resolved. But when we look at the rise in technology businesses during the pandemic, we can plainly see an alternative source of support critical for business growth: digital tools.

A third of female business owners say new technologies will be crucial to the success of their business in the future and one in five say it is the most important thing for business growth.

With new technology comes new ways to pay, create, and work. And yet there are barriers that prevent business owners accessing this technology. Women are significantly more likely to say they want to use more digital tools but don’t know what is best for their business and also more concerned about the security of digital tools.

When technology is adopted by businesses – whether using online accounting solutions or messenger services for communicating with staff – it saves them time, allows them to maintain and grow their customer base, and ultimately increases cost savings and profit.

By drastically improving the training and support that is available to women-owned business to access and utilise technology we will allow these businesses to grow and succeed. And we know there is demand for it.

Research done by the IFC and Dalberg shows that female entrepreneurs are more likely to invest time and money in business development. This includes product development, customer base expansion, and digital tools and training and there are plenty of services available offering this type of support – many of them for free.

One such programme is Strive UK – an initiative of the Mastercard Center for Inclusive Growth – which aims to reach 650,000 micro and small business owners across the UK and empower them with the tools they need to thrive in the digital economy through free guidance, helpful tools and one-to-one mentoring.

Working together with small business experts – Enterprise Nation, Be the Business and Digital Boost – we hope to ensure hundreds of thousands of UK female business owners have the tools they need to succeed and reach their ambitious goals. Because this ambition remains strong in the UK, with female business owners largely optimistic about the future despite the multitude of challenges they are facing. Four in ten say they will grow their business in the next five years – compared to only a third of male business owners – and they’re also 35% less likely than men to say they plan to downsize or close the business.

But if we do not empower female entrepreneurs to access the tools and technology they need to grow, there is a risk this optimism could be misplaced. Support programmes that provide business owners with guidance and mentorship can help ensure this isn’t the case, allowing female entrepreneurs to not only survive but thrive in the months and years ahead.