Last week, I had the chance to sit with the Dhobi Women Network/Domestic Workers Network Mathare, as they had a meeting for their table banking practices. This was the Tujikomboe Group; tujikomboe means liberating ourselves.
The group is composed of women who are domestic workers from Mathare but work in Eastleigh. Because of their work, the first point of convergence for these women was not the table banking, but they came together to form a support group in the face of the different violations and exploitation they were undergoing in their work environment, such as rape, assault and not being compensated after work. There are also many cases of their colleagues being killed in the work space.
This Network mobilizes domestic workers to offer each other solidarity. When they are together, they take collective action, advocate for fair labor practices, equitable wages and dignified working conditions. They also educate each other about their rights, so as to enhance their protection from exploitation in their work places.
Dhobi women, like most women in low income areas, also face numerous challenges. For example, they have limited access to formal financial systems and also face gender-based inequalities that restrict their economic independence. Because working as a casual labourer or a domestic worker means engaging in low-wage, unstable and informal employment, these women are often excluded from formal banking services due to a lack of formal identity documents, their irregular income, and other barriers. However, the Network has come up with an innovative solution to their financial struggles: this is a local version of table banking. This practice of community-based savings and lending has proven to be a lifeline, providing economic empowerment and stability to women domestic workers living in Mathare. From a revolving fund of as low as 3500 KES, the Network has been able to grow their savings to 51,000 KES, and have the goals of saving half a million by the end of the year, and buying a washing machine for their collective projects.
How The Network’s Table Banking Works
Table banking is a financial model where a group of people come together to save small amounts of money regularly, and then provide loans to each other at affordable interest rates. The practice is often organized informally within communities, and no formal banking institution is involved. Members of the group contribute whatever amounts they have as shares or savings, and also a booster amount of their liking, and then they are allowed to borrow from the pooled funds, which in this case is called the revolving fund, with the understanding that they will repay the loan within a set period and usually with a very low interest rate compared to formal financial institutions. If the period lapses and you don’t have the whole amount, you can just pay the interest fee and retain the loan, which you will then pay with light interest at the end of the month. Without a doubt, this gives woman domestic workers some level of financial dignity.
The most outstanding thing about the Dhobi Women’s Network is that they not only use this platform to meet their financial needs, but also use it to advance their agenda as domestic workers; it is a support group as well as a site to educate each other.
The savings accumulated through this process can serve as a safety net for emergencies, such as medical expenses or sudden family crises. Additionally, the ability to borrow at low interest rates enables women to invest in income-generating activities, whether it’s starting a small business, buying tools for their park and their work, or paying school fees. Table banking is then a tool for financial independence, since women are able to break the cycle of poverty and increase their economic self-sufficiency
Enhancing Social Justice Through Table Banking
The Network’s table banking has fostered a strong sense of community. For women who often face isolation and marginalization, groups like the Network provide a space for solidarity, collaboration, and mutual support. The relationships built through these groups allows for the sharing of knowledge, shared emotional support, and empowerment of each other both personally and professionally.
Across Mathare, the table banking groups often hold regular meetings that act as platforms for discussing issues affecting them and the larger community. These meetings give women a voice in decision-making processes, both within the group and in their wider community. This sense of agency is crucial for challenging the social norms and barriers that often restrict women, and gives the women back their dignity.
Sadia Bulle or Stellah Omuka, who are domestic workers in the Network, do not need a ton of documentation, credit history or a steady income to access a loan. Since the groups are based on trust, members are not required to provide formal identification or meet rigid financial criteria, as Tina Mfanga puts in her book, Wamachinga Na Haki Jiji Nchini Tanzania, where she speaks about the foundations that characterize cooperative movements
Overcoming NGOization through Socio-Economic Activities
In the Breaking the Silence on NGOs in Africa, a reflection by the Kenya Organic Intellectuals Network, I reflect on how NGOs reduce grassroots community organizers, such as myself, to data collectors and mobilizers in their community for stipends at the end of the month. This then alienates these workers from the masses and the real work of organizing their community from the oppressive forms that are creating the different issues that they are documenting. It also creates a situation where community members have to be paid stipends to attend community meetings.
Instead, the table banking method provides an alternative way of organizing and community self-funding. Women meet, do their contributions, take loans, then also discuss their issues as a Network or within their community.
Conclusion
Table banking is becoming an invaluable tool in community empowerment, and more so for women participants. It provides them with access to savings, credit, and a supportive social network that helps them overcome economic hardships and build a better future. Although challenges exist, the benefits of table banking in promoting financial independence, community solidarity, and social economic empowerment cannot be overstated. As a grassroots social economic activity, it is a critical step towards reducing poverty and promoting dignified living in the informal economy. By continuing to support and expand such initiatives, we can ensure that more community organizers will have the independence to become their own agency, slowly by slowly in their own communities.
By Njeri Mwangi (Membership and Campaigns Coordinator at MSJC and member of the Kenya Organic Intellectuals Network)
