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HerVest Trains 2,680 Women Farmers On Farming Best Practices and financial literacy

HerVest, a social enterprise dedicated to providing financial inclusion for women through a Gender Lens Investment (GLI) approach and the United States Agency for International Development (USAID), has launched a social initiative dedicated to the training of female farmers on agronomy and financial literacy across key Nigerian states.

The social initiative tagged Fund a Female Farmer has touched 2,680 women farmers across five key Nigerian states – Benue, Oyo, Niger, Kaduna and Kwara – in a bid to increase agricultural productivity and yield among smallholder female farmers through expert knowledge and applied best practices covering rice, maize, and soya beans production.

So far, the 2,680 smallholder women farmers who have benefited from the intensive, standardized training outreach backed by the USAID funding boost to HerVest are from Benue State (200); Oyo State (260); Niger State (250); Kaduna State (970) and Kwara State (1,000).

Out of the 2,680 smallholder women farmers who have undergone the USAID funded training, HerVest at the completion of the exercise, has provided financing to 500 smallholder women farmers, with plans underway to finance all the female farmers by end of Q2 2022.

Commenting on the development, the CEO and Co-founder, HerVest, Solape Akinpelu said; “We are pleased with the successes we have achieved in impacting more Nigerian women farmers through the boost from USAID especially as it helps put more of the smallholder women farmers through the best agronomy practices in the wake of current economic realities. The need to train and finance smallholder female farmers in Nigeria is very critical at this stage of economic recovery post-COVID-19 pandemic.”

She added that; “At the end of the first phase of the exercise, 85% of 2,680 female farmers have expressed increased knowledge on agronomy and financial literacy. This has further renewed our commitment to ensuring more of these women farmers have the right information at all times to help them make better business decisions.”

For the actualisation of this laudable target-specific training programme, HerVest has secured partnerships with state and local government agencies and private organisations such as Kwara State Government; Cofarms Limited; Farming Cooperatives; Olam; Labana rice and Chi Farms in a bid for an inclusive effort to reach more women at all levels.

HerVest is an inclusive digital platform that provides financial growth services to underserved and excluded African women through target savings, impact investing and credit financing- specifically for women farmers in Nigeria. So far, HerVest has impacted over 5,000 thousand female farmers across Borno, Plateau, Kaduna, Benue, Niger, Oyo, Kwara, and Ogun States.

HerVest has over 20,000 women community members achieving financial wellness through competitive returns on target savings, agro investments, and gender-driven financial literacy resources. HerVest is downloadable on internet-enabled devices.

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Opportunities

IWD: Unity Bank, AltSchool Africa Join Force to Empower Female Software Engineers

In commemoration of International Women’s Day, IWD 2022, Nigeria’s retail lender, Unity Bank Plc is partnering AltSchool Africa to sponsor female students towards the acquisition of specialist software skills – an empowerment initiative to boost the capacity of the female gender.

AltSchool Africa is a school for individuals looking to gain technical skills and kick start a career in Software Engineering. The school currently prides itself on the large enrolment of female students. Unity Bank Plc is providing funds to encourage enrolment of young female students into AltSchool who will pursue a career in Informational Technology.

The Bank said in a statement that the gesture has become imperative to #BreakTheBias against women in the emerging information technology industry, where a recent study by ONE Campaign and the Center for Global Development, showed that less than 30 per cent of technology companies in Nigeria are owned by women, even as the female members of the entire tech ecosystem workforce constituted less than 20 per cent.

Speaking on the partnership, Unity Bank’s Managing Director/Chief Executive Officer, Mrs. Tomi Somefun said the initiative to extend the scholarships to the young women looking to start a career in the IT industry not only aligned with the theme of the IWD 2022, “#BreakTheBias,” but is in tandem with the Bank’s Corporate Social Responsibility and sustainability initiative targeting education and empowerment.

She said: “The International Women’s Day is yet another opportunity to reexamine the critical role that women continue to play in building a peaceful and prosperous society. Today, more than ever before, we are confronted by the harsh realities of gender-based exclusivity, especially in the workplace.

“I agree that some progress has been made but we must not be distracted by this momentary success because, over the next decade, the share of jobs requiring medium to digital skills would have risen to more than 50 per cent. Therefore, we must remain committed to empowering women who are courageous to make a difference in careers that have hitherto excluded the women, such as the IT industry.”.

Some female staff pose for a photo at Unity Bank HQ in Lagos in commemoration of the International Women’s Day 2022 celebration.

According to Mrs. Somefun, “The advancement in technology has created a new world order that must be deliberate about inclusivity, removing biases and unlearning stereotypes. If future prosperity shall be defined by technological and requisite skills, we must not repeat the mistakes of the past by ensuring diversity, equity and inclusivity and empower our women to take an active part in creating that future.”

The International Women’s Day, IWD is a day set aside globally to celebrate the social, economic, cultural and political achievements of women and reflect on action to accelerate gender equality. This years’ theme #BreakTheBias “imagines a gender-equal world, a world free of bias, stereotypes and discrimination; a world that’s diverse, equitable, and inclusive; a world where difference is valued and celebrated.”

                                                                                      

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Opportunities

CDC/BII, FirstBank Partner to Support Women With US$100 Million Credit Facility

CDC Group, the UK Government’s development finance institution, announced today a US$100 million finance facility to First Bank of Nigeria Limited (FirstBank). This new facility will direct funding to women-owned and led businesses as well as to local small and medium-sized enterprises (SMEs) in Nigeria.

The deal will support FirstBank, one of Nigeria’s largest banking groups, to deliver financial solutions that help to address the challenge of limited access to capital faced by underbanked and underserved groups in the country. As part of the new facility, a minimum of US$30 million will be allocated in the form of credit lines to women entrepreneurs. The facility will also support FirstBank’s ‘FirstGem’ gender-focused services offering, which takes steps to promote gender inclusion by improving lending and support to female entrepreneurs.

The new partnership between CDC, which will be renamed British International Investment in April, and FirstBank demonstrates a shared mission to spur sustainable, productive and inclusive growth in Nigeria.

CDC’s commitment will facilitate an expanded offer by FirstBank to its clientele, which will accelerate financial inclusion and increase opportunities for marginalised groups, including an estimated 59 million unbanked Nigerians, to participate in the country’s formal economy. As such, the partnership will capitalise on the FirstBank’s expansive network of over 700 branches and 150,000+ agents, leveraging its market leading expertise to scale financial solutions to underbanked entrepreneurs and populations.

In addition, CDC/BII will support FirstBank with a technical assistance programme which will build on the Bank’s knowledge base of the women-led and women-owned businesses in its portfolio, strengthening the Bank’s technical capabilities and ability to reinforce its commitment to gender-based initiatives. This will enable the Bank to further leverage the facility to provide vital funding to scale business growth across Nigeria’s market – increasing job creation and improving livelihoods throughout the country.

The facility’s target to increase financial inclusion and opportunities for women, qualifies this facility under the 2x Challenge – a commitment by the development finance institutions (DFIs) of the G7 to mobilise capital to support increased economic empowerment for women in emerging economies. Moreover, the US$100 million commitment aligns with the UN’s Sustainable Development Goal 5 Gender Equality and Goal 8 Decent Work and Economic Growth.

Nick O’Donohoe, Chief Executive of CDC Group, said: “Promoting financial inclusion is a key component for advancing sweeping productive and sustainable growth across both rural and urban areas in Nigeria. This facility will channel CDC’s flexible and long-term capital toward expanding the financial solutions made available to women entrepreneurs, who are often the drivers of small business ideas and services to their communities.

“Our commitment demonstrates a deepening of British partnership with Nigeria’s businesses, as we collaborate to unlock the potential for entrepreneurial success and economic growth across the country.”

 

Adesola Adeduntan, Managing Director / Chief Executive Officer, FirstBank said: “Beyond the mutual benefits this partnership offers to both organisations, this transaction offers yet, another occasion for FirstBank to contribute immensely, to the United Nation Sustainable Development Goals.

“Enabling financial inclusion for SMEs has been a strategic priority for FirstBank over the last 128 years.  Similarly, FirstBank has been at the forefront of financially empowering women-owned and women-led businesses on the continent.  This partnership with CDC/BII offers a fantastic opportunity to accelerate the momentum.

“At FirstBank, we remain ever committed to fostering financial inclusion, creating wealth for the underserved, enhancing access to quality education and health care, improving lives and empowering women.”

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Opportunities

Merck Foundation Marks International Day of Girls And Women in Science

Merck Foundation empowers African Women in the areas of Science and Technology through providing scholarships to more than 550 female doctors out of 1200 scholarships. Merck Foundation launch annually MARS Best African Woman Researchers Awards to acknowledge women in science. Merck Foundation works closely with African policy makers to empower girls in education and women in STEM.

 

Merck Foundation, the philanthropic arm of Merck KGaA Germany, marks ‘International Day of Girls and Women in Science 2022’ through their Merck Foundation STEM program and “Educating Linda” program.

Senator, Dr. Rasha Kelej, CEO of Merck Foundation, Most Influential African (2019, 2020 & 2021) emphasized, “We at Merck Foundation mark ‘International Day of Girls and Women in Science 2022’ by supporting and empowering women in the areas of Science and Technology. Under-representation of women still exists in these fields, even though women have made tremendous participation and progress in career. Every year, we conduct “Merck Foundation Africa Research Summit” in partnership with African Governments and African Union Scientific, Technical and Research Commission, MARS brings together researchers and policy makers from across Africa to prepare for the road ahead in Africa’s development as an international hub for excellence in scientific innovation and define interventions to empower women and youth through education in general and in STEM in particular.

We have also launched MARS Awards to appreciate and recognize ‘Best African Women Researchers’ and ‘Best Young African Researcher’. Our aim is to empower women and young African researchers, advance their research capacity and promote their contribution to STEM (Science, Technology, Engineering and Mathematics)”.

Merck Foundation has announced the Call for Applications for their prestigious Merck Foundation Africa Research Summit (MARS) Awards 2022. The key focus for this year will be: ‘The Role of Scientific Research in responding to Cancer and Vaccines Development – Two emerging challenges in Africa’. Through this contest, Merck Foundation aims to empower young African researchers & women researchers to strengthen the important role research plays towards contributing to public health thus improving healthcare capacity in Africa.

Senator Dr. Rasha Kelej further emphasized, “In partnership with the African First Ladies, we have been building healthcare capacity through providing training to healthcare providers in many medical specialties. More than 1200 medical graduates have benefitted from this program so far. I am very proud that out of these over 552 are female medical graduates. This is close to 50% of the total beneficiaries, which is a great milestone for us”.

Merck Foundation strongly believes that Education is one of the most critical areas of women empowerment. Through their ‘Educating Linda’ program, Merck Foundation has been supporting education of some of the unprivileged but brilliant girls by providing scholarship and grants that can cover school fees, school uniforms and other essentials including notebooks, pens and mathematical instruments, so they can reach their potential and pursue their dreams.

Merck Foundation has also released many inspiring children’s storybooks and songs on women empowerment supporting girls’ education.

1. Watch, share & subscribe to the “Girl Can” song here, sung by two famous singers, Irene and Cwezi from Liberia and Ghana respectively: https://bit.ly/3BrdQTp

2. Watch share & subscribe to “Tu Podes Sim” Portuguese song, which means “Yes, You Can” in English, here, sung by two famous singers, Blaze and Tamyris Moiane, talented singers from Mozambique: https://bit.ly/3Ly18a3

3. Read Educating Linda Storybook, here: https://bit.ly/3oOTfU6

4. Read Jackline’s Rescue Storybook, here: https://bit.ly/33oAuPS

5. Read Ride into the Future Storybook here: https://bit.ly/3uSpfub

 

Details for MARS AWARDS 2022

Abstracts are invited from final year African PhD students and young investigators involved in research related to either of the following topics: 1) Cancer (specially in women) & 2) Vaccines Development. The applicants should be primarily based at African Research Institutes and Universities, although collaboration within Africa as well as outside is encouraged.

Last Date of Submission:

Applications can be submitted till 31st July 2022

How to apply:

Applications can be submitted via email to mars@merck-foundation.com along with a CV (including Name, Gender, Country, University/Hospital Name, Email address, Mobile Number) and the abstract document as an attachment.

Other Details:

  • All Abstracts will be peer reviewed, and 15 winners will be eligible for a sponsorship to attend the MARS Summit.
  • Best three Abstracts will be eligible for Research Awards
  • Research Awards will be also dedicated for Best African Women Researchers
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Opportunities

Top 50 Nigerian Young Women, Others to Participate in G.L.O.W Coaching Programme| Here’s How to apply

Cantu Beauty has partnered with @wenations to host the Girls Leading Our World (GLOW) Global Cohort.  Cantu and WEN will be selecting 50 young women from Nigeria, Ghana, South Africa, the United Kingdom, France, and the United States to participate in an immersive, high-impact leadership coaching experience for women of color beginning March-May 2022.
For more information and to apply, visit @cantubeautywestafrica. Applications close January 31, 2022.
#CantuGlow #WENations
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Opportunities

Cohort 5: AWEC Calls For Application From African Female Entrepreneurs

Cohort 5 will run from June 2022 to May 2023. During May 2022, there will be a four-week online orientation.

AWEC is the accelerant behind hundreds of African female entrepreneurs who have transformed and grown their businesses.

The program is designed for African women entrepreneurs seeking to expand their knowledge, increase their skills, broaden their network, and make lifelong connections.

The AWEC program is for you if you are:

  • A founder of a business that has been in operation for at least two years in any industry and has at least two employees (either full time or part time) or a woman who has a strong business concept and plans to launch her business within the next year.
  • Founders of social enterprises are encouraged to apply; founders of NGOs or nonprofit organizations are no longer eligible for the 12-month program.
  • Citizens of any African country, currently living on the continent or in the diaspora
  • Comfortable with remote teamwork and collaboration, especially using digital tools.
  • Proficient in verbal and written English.
  • Able to regularly (at least weekly) access the internet through a computer or tablet.

Please note: For those living in the diaspora, your business must clearly impact Africa through the creation or delivery of its products or services, or based on where its customers reside.

AWEC seeks to build diverse cohorts in which Fellows share some consistent characteristics, Vision and resiliency, Business clarity and market knowledge, Commitment to building their businesses, and Motivation to be part of a yearlong learning experience.

This program is rigorous and time intensive. Fellows should expect to:

  • Spend an average of 4 to 6 hours per week participating in AWEC activities, primarily online.
  • Participate in at least one AWEC activity per week throughout the program, including Zoom-enabled meetings.
  • Be challenged, stretched, and inspired as they acquire new knowledge.
  • Develop skills, build their peer network, and transform their businesses.
  • Be matched with a mentor and to take ownership of their mentor/mentee relationship.
  • Be introduced to a peer group, and actively contribute to group discussions and activities.
  • Gain access to a program advisor from whom they can seek support when needed.
  • Respond to periodic surveys to improve the overall experience.

Upon successful completion of the 12-month program, fellows will get to form connections with a diverse network of African women entrepreneurs, establish a relationship with a senior business mentor, strengthen strategy, leadership and business management skills, gain skills in finance, marketing, and strategy needed to grow and scale their enterprise, develop a toolkit of soft skills, including self-confidence, resilience, collaboration, and cross-cultural communications.

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Opportunities

AfDB, West African Development Bank To Empower Women Entrepreneurs With Financing

The Board of Directors of the African Development Bank (www.AfDB.org) has approved a line of credit of €70 million and an equity investment of $24 million, to be granted to the West African Development Bank.

The line of credit will support businesses in the West African Economic and Monetary Union, particularly in job-creating sectors such as agribusiness, renewable energy, health and information and telecommunication, which were drastically affected by the Covid-19 pandemic.

In addition, the African Development Bank will assist the West African Development Bank, through funding from the Women Entrepreneurs Finance Initiative to set up a technical assistance program to mainstream gender aspects in its project review process and to promote women’s entrepreneurship. The project should help to create or consolidate at least 5,900 jobs (including 2,000 to women).

The facility is strongly aligned with three of the Bank High 5 strategic priorities, namely Feed Africa, Industrialize Africa and Improve the quality of life of Africans.

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Opportunities

AIF, EIB Announce Africa’s First Women-Focused Private Equity Fund

The management of Alitheia IDF (AIF), Africa’s first women-led and women-focused private equity fund, has announced the final close of the $100 million fund with European Investment Bank (EIB) joining as the closing investor with $24.6 million. With this final close, Alitheia IDF becomes the largest gender-lens private equity fund by value in Africa.

Led by principal partners Polo Leteka and Tokunboh IshmaelAlitheia IDF invests in growth-stage companies across six African countries: Nigeria, South Africa, Ghana, Zimbabwe, Lesotho and Zambia. The fund has a mandate to plug the over $42 billion investment gap between male and female entrepreneurs as a means of catalysing the economic power of African women as producers, distributors, and consumers. In 2021, the fund began implementing this mandate by leading investment rounds in five women-led businesses across essential sectors including agribusiness, education, manufacturing, housing, technology, and logistics. The investee companies are Jetstream Africa (Ghana), ReelFruit Ltd (Nigeria), SKLD (formerly SchoolKits, Nigeria), AV Light Steel (South Africa) and Chika’s Food (Nigeria).

“Globally, women have tremendous purchasing power as consumers and controllers of household economics. In the same vein, women entrepreneurs have a significant presence in Africa’s SME sector with African women making up 58% of the continent’s self-employed population. However, despite this economic power and presence, African women are underserved as consumers and producers. This has had huge impact on economic growth as the potential of more than half of the continent’s population remain untapped due to structural and systemic issues. We are proactively working towards filling this gap with a clear mandate to support women-led businesses across the continent while raising awareness for gender-smart investment as a path towards inclusive economic growth,” said Principal Partner Tokunboh Ishmael in Nigeria.

African women have remained underserved by the financial sector even as the historical investment gap between men and women continues to widen. Estimates show that African women receive less than 5% of all investment on the continent even though over 40% of small and medium-sized enterprises (SMEs) in Africa are women-led. Reports by McKinsey point out that closing the investment gap will lead to 26% gross domestic product (GDP) growth ($28 trillion) by 2025. By applying a gender-smart lens to investment, Alitheia IDF is setting the pace and providing a framework for gender-inclusive investments with the goal of enabling economic growth for African countries and, critically, African women.

Polo LetekaPrincipal Partner in South Africa, explained that it is her hope that Alitheia IDF’s leading example will inspire other investors on the continent to invest in women, noting that women have an important role to play in unlocking the economic potential of Africa. She further stated that “the historic inability to appropriately capture the economic potential of African women has affected Africa’s development. Alitheia IDF is on a mission to fill this gap by using a gender smart approach and financial capital to empower women as consumers and producers.”

EIB Vice-President Thomas ÖSTROS (https://bit.ly/323Arrq) said: “Women-owned businesses still struggle to raise funding, although they have proven their performance. I am very pleased to support a true ‘by-women for women’ 2X Flagship fund that invests in companies creating job opportunities while enhancing diversity in the sub-Saharan Africa’s economy. The EIB’s investment in Alitheia IDF is part of our SheInvest (https://bit.ly/3DQlB4U) initiative seeking to mobilise €2 billion of investment to boost gender equality and female economic empowerment across the African continent. I truly believe that gender equality makes societies stronger.”

Alitheia IDF is supported by investors across four continents: the African Development Bank, Bank of Industry Nigeria, FinDev Canada, Dutch Good Growth Fund and the European Investment Bank. In 2019, the fund announced its first close at $75 million with the President of the African Development Bank (AfDB), Akinwumi Adesina, stating at the time that Alitheia IDF had fulfilled its commitment to raise funds for female-led businesses. “Promise made, promise kept!” he declared.

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Opportunities

The Lighthouse Network holds SheBlooms for the Working Girl

The Lighthouse Network, one of the leading female networking organisations in Nigeria has announced SheBlooms, a networking event specifically focused on the Working Girl.

SheBlooms is a programme targeted towards career women between the ages of 22 and 55, who work for or own corporate organizations.

The event, which is designed to drive career awareness and conscious growth in the Working Girl, is set to include coaching sessions with various speakers including foremost life coach Lanre Olusola (The Catalyst), all of whom will be having conversations centred around the 360 degrees lifestyle of the Working Girl.

Supported by Baileys Delight, the premium liqueur with a strong female appeal, SheBlooms, according to host and founder of The Lighthouse Network and The Working Girl Circle, Nkiru Olumide-Ojo, has an annual vision board and year planning session.

“Given how tough the year has been, we have taken a different approach to speak to the 360 degrees facet of the Working Girl life. Our focus is, through the few hours of coaching, to help the Working Girl understand how she can
bloom regardless of what the economic headwinds of 2022 maybe.”

Speaking on the event, Dorcas Mashingil, Brand Manager Baileys Nigeria, said “It is our pleasure to partner with The LightHouse Network on SheBlooms. This partnership is a testament to the brand’s commitment to connecting and empowering women across several works of life.
Platforms such as this are of increasing relevance in today’s society where women, in an attempt to close up the wage gap, strive to achieve work-life balance.”

Established in 2004, The LightHouse Network has an array of projects designed to serve women across ages, including its youth development programme which focuses on workplace readiness for university undergraduates and for the Working Girl.

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Women of SubstanceOpportunities

WIMBIZ holds mentorship program in Lagos, empowers school girls for nation building

In a bid to hold its 20th annual conference, Women in Management, Business and Public Service (WIMBIZ), recently held a mentorship program aimed at developing and empowering young girls in public secondary schools with the requisite knowledge and tools to excel in life.

The one week program tagged “Big Sister Program”, which aims to deepen the core mandate of WIMBIZ in ensuring that more women attain leadership positions in all facets of life, held in several parts of the country.

To welcome delegates of the association and representatives from the Lagos State government, the principal, Girls’ Senior Secondary Grammar School, Obalende, Ikoyi, Lagos, Mrs. Omotoye Bamidele who was elated commended WIMBIZ for working relentlessly for the wholesome development of the girl child, noting that to ensure that more women attain the highest level in every human endeavour, it is imperative that they develop skills and capacities to attain set goals.

Delivering an address at the event, First Lady of Lagos State, Mrs. Ibijoko Sanwo-Olu, represented by wife of the Special Adviser to Mr. Governor on Education, Mrs. Oluwatosin Wahab lauded WIMBIZ for the impressive work done to reshape the mindsets of girls for future endeavours.

She said: “Since the launch of the BSP Program in 2016, which is a mentorship initiative for girls in Senior Secondary school, it is noteworthy that teenage girls have been positively impacted, while the female network of WINBIZ has been deployed to influence the girls by boosting their confidence and leadership capacity.”

The First Lady, who asserted that the female child deserves a life where she is treated as equal to a boy, averred that the girl child should be respected, loved, and given a chance to rule like their male counterpart.

Speaking to the girls passionately, Chairman Board of Trustees, WIMBIZ, Mrs. Ifeyinwa Kihodaco charged them to shun peer pressure and work hard to achieve their dreams.

In her words: “You have to be true to yourself. You have to know who you are. You have to work hard and also smart. When you have problem, seek help and counsel from your teachers, principals and your big sisters. Seek help from the right places not where will put you in trouble.”

Restating the association’s objectives, Ngover Ihyembe Nwankwo, Chairperson, WIMBIZ Executive Council, disclosed that the association is built on four pillars, which include to inspire, empower, connect and advocate, adding that the “Big Sister Program” was birthed five years ago to deepen its impact on young girls.

To shed light into what the program entails, Chair, Big Sister Program, Awuneba Ajumogobia said the program, which will avail participants the opportunity to learn valuable skills that will reshape their mindsets, will also inculcate certain values needed to attain success.

In her words: “We are holding the Big Sister Program, a mentorship program where WIMBIZ members who are associates come and share a curriculum with the girls and share their experiences. The subjects they cover include financial literacy, careers, entrepreneurship, self confidence, personal hygiene, interpersonal skills among others.”

She added: “What we hope to achieve is a shift in mindset. We are hoping that every single girl that attends the program today goes home with a shifted mindset in terms of what they can accomplish and how to get there. Goal setting is an important aspect. The goal setting module is the one that actually brings it alive. It helps the girl document tangible stuffs to be able to achieve their aspirations.”

Some of the girls who benefitted from the mentorship program expressed appreciation to WIMBIZ pledging to deploy all the skills and knowledge acquired to attain their life goals and purpose.

One of the students, Umar Aishat said: “This program is an interesting one and very educative. The organization has empowered us. We appreciate their support and we would not let them down.”

Another student, Ngbede Rejoice said: “I want to say a big thank you to WIMBIZ for coming to my school. I have learnt so many things from the Big Sisters. I have learnt to always be true to myself and know who I am. I should be responsible and don’t take no for an answer. I have also learnt to be confident so I can earn my respect.”

Certificate of participation was awarded to the girls at the end of the program.

Women in Management, Business and Public Service (WIMBIZ) is a non-profit organization that has, over the last 20 years, implemented programs that inspire, empower and advocate for greater representation of women in leadership positions in the public and private sector.

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