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SPEAK WEDNESDAY

THE IMPORTANCE OF FINANCIAL LITERACY FOR WOMEN

Have you ever heard of the term “financial abuse” and that the National Network to End Domestic Violence noted that research shows this form of abuse occurs in 99% of physically abusive relationships where women are mostly the victims? Victims of domestic violence often say that financial abuse is the main reason they stayed with an abusive partner. This is because the financial burden placed on them made survival on their own seem impossible.

Financial abuse is one major consequence of financial illiteracy. Financial literacy is the ability to make informed judgements and effective decisions regarding the use and management of money. The pillars of financially literacy include: Budgeting, Saving, Investing, Understanding Credit /Managing Debt and paying bills.

Financial literacy for women is a critical aspect for them to reach their personal as well as professional objectives, without being dependent on anyone. It prepares them for crisis in the future as well as create a fallback for retirement. Being financially literate enables you to make smarter money management decisions that lead directly to a financially secure future, one that protects the assets built by you and your loved ones.

Financially-literate individuals do better at budgeting, saving money, controlling spending, participating in financial markets, planning for retirement and ultimately, successfully accumulating wealth. Research shows that there is a link between women’s financial status and other important aspects of household well-being, as a matter of fact, low financial status correlates with poorer physical, mental and emotional health outcomes for all household members and lower educational attainment of children.

Financial literate women are seen as assets to those around them rather than a liability. There is a great deal of respect that comes from a financially stable woman being able to hold her own irrespective of what the people around her are able to provide for her. Such women become role models and occupy prestigious places of respect in society. Their voices and opinions are valued and appreciated.

Individuals can engage in financial literacy in multiple ways, as follows: by reading up on financial issues, by taking up online or in-person financial literacy course, by Listening to Podcasts and Radio Shows or by talking to a financial professional.

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MONDAY HEALTH BURST

6 Comments / Anxiety Disorder, Health, Health Communication, Mental Health, Monday Health Burst / cfhinitiative

ANXIETY DISORDER – CAUSES, SYMPTOMS AND TREATMENT

Anxiety is a normal reaction to stress and can be beneficial in some situations. It can alert us to dangers and help us prepare and pay attention. However, when a person regularly feels disproportionate levels of anxiety, it might become a medical disorder. Anxiety disorder is a mental health disorder characterized by feelings of worry, anxiety or fear that are strong enough to interfere with one’s daily activities. The excessive anxiety can make you avoid work, school, and other social situations that might trigger or worsen the symptoms.

Anxiety disorders form a category of mental health diagnoses that lead to excessive nervousness, fear, apprehension and worry. These disorders alter how a person processes emotions and behave, also causing physical symptoms. Mild anxiety might be vague and unsettling, while severe anxiety may seriously affect day-to-day living.

The causes of anxiety disorders are not fully understood. Researchers are yet to know exactly what brings on anxiety disorders. A complex mix of things play a role in who does and does not get one. Life experiences such as traumatic events appear to trigger anxiety disorders in people who are already prone to anxiety. Inherited treats can also be a factor. Some causes of anxiety disorders are:

Genetics – Anxiety disorders can run in families.
Brain chemistry – Research suggests anxiety disorders may be linked to faulty circuits in the brain that control fear and emotions.
Environmental stress – This refers to stressful events you have seen or lived through. Life events often linked to anxiety disorders include childhood abuse and neglect, a death of a loved one, being attacked or witnessing violence.
Drug withdrawal or misuse – Certain drugs may be used to hide or decrease certain anxiety disorder. Anxiety disorder often goes hand in hand with alcohol and substance use.
Medical conditions – Some heart, lung, and thyroid conditions can cause symptoms similar to anxiety disorders or make anxiety symptoms worse. It is important to get a full physical exam to rule out other medical conditions when talking to your doctor about anxiety.

Anxiety disorders are characterized by a variety of symptoms. One of the most common is excessive and intrusive worrying that disrupts daily functioning, other signs include agitation, restlessness, fatigue, difficulty concentrating, irritability, tense muscles and trouble sleeping. Anxiety disorder can be debilitating, but they can be managed with proper help from a medical professional. Recognizing the symptoms is the first step.

Once one is diagnosed with anxiety disorder, it is important to explore treatment options with a doctor. For some people, medical treatment is not necessary. Lifestyle changes may be enough to cope with the symptoms. Treatment for anxiety disorder falls into two categories: psychotherapy and medication. Meeting with a therapist or psychologist can help learn tools to use and strategies to cope with anxiety when it occurs.

Medications typically used to treat anxiety disorder include antidepressants and sedatives. They work to balance brain chemistry, prevent episodes of anxiety, and ward off the most severe symptoms of the disorder.

Monday Health Burst is an initiative of CFHI to address issues of basic health concerns. Join us every Monday for more interesting episodes.

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SPEAK WEDNESDAY

Female Roles in Nation Building, Gender, Gender Equality, Speak Wednesday, Women's Rights / cfhinitiative

THE IMPORTANCE OF WOMEN’S EMPOWERMENT FOR COMMUNITY DEVELOPMENT

Women empowerment refers to complete emancipation of women from socio-economic shackles of dependency and deprivations. Often made synonymous to gender equality, the term women empowerment encompasses a much larger set of principles that needs whole-hearted attention. Empowerment of women would mean encouraging women to be self-reliant, economically independent, have positive self-esteem, generate confidence to face any difficult situation and incite active participation in various socio-political development endeavours.

The growing conscience is to accept women as individuals capable of making rational and educated decisions about them as well as the society, increasing and improving the economic, political and legal strength of the women, to ensure equal right as men, achieve internationally agreed goals for development and sustainability, and improve the quality of life for their families and communities.

Women empowerment in its actuality is synonymous with complete development of the community. An educated woman, with knowledge about health, hygiene, cleanliness is capable of creating a better disease-free environment for her family. A self-employed woman is capable of contributing not only to her family’s finances, but also contributes towards the country’s economic development. A shared source of income is much more likely to uplift the quality of life than a single income household and more often than not helps the family come out of poverty trap.

Women aware of their legal rights are less likely to be victims of domestic violence or other forms of exploitations. Basic legal information about rights and knowledge on the different acts like the Matrimony act and Domestic Violence act, is vital for any woman to have, as this knowledge will empower them to be able to better handle such situations for themselves as well as those around them who might find themselves in such situation.

When women are living safe, fulfilled and productive lives, they can reach their full potential. Contributing their skills to the workforce and can raise happier and healthier children. A key part of this empowerment is through education, training, awareness raising, building self-confidence, expansion of choices, increased access to and control over resources, and actions to transform the structures and institutions that reinforce and perpetuate gender discrimination and inequality. These are important tools for empowering women and girls to claim their rights which leads to community/national development.

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MONDAY HEALTH BURST

Dementia, Health, Health Communication, Mental Health, Monday Health Burst / cfhinitiative

DEMENTIA – CAUSES, SYMPTOMS, AND TREATMENT

Dementia, also called neurocognitive disorder, is a collective term used to describe various symptoms of cognitive decline. Dementia is not a single disease in itself, but a general term to describe the loss of cognitive functioning – thinking, remembering and reasoning and behavioral abilities to such an extent that it interferes with a person’s daily life and activities. These functions include memory, language skills, visual perception, problem solving, self-management and the ability to focus and pay attention. Some people with dementia find it difficult to control their emotions, and their personalities may change.

Dementia ranges in severity from the mildest stage, when it is just beginning to affect a person’s functioning, to the most severe stage, when the person must depend completely on others for basic activities for living.

The causes of dementia can vary, depending on the types of brain changes that may be taking place. Alzheimer’s disease is the most common cause of dementia. Alzheimer is characterized by “plaques” between the dying cells in the brain and “tangles” within the cells (both are due to protein abnormalities). The brain tissue in a person with Alzheimer’s has progressively fewer cells and connection and the total brain size shrink. Other causes of dementia include;

Vascular disorders. These conditions affect the blood circulation in the brain.
Traumatic brain injuries caused by car accidents, falls, concussions etc.
Infections of the central nervous system. These include meningitis, HIV
Long-time alcohol or drug use

Symptoms of dementia can vary greatly. Many conditions are progressive, which means that the signs of dementia start out slowly and gradually get worse. Possible symptoms of dementia compiled and published by the American Academy of Family Physicians (AAFP) include;

Recent memory loss- a sign of this might be asking the same question repeatedly
Difficulty completing familiar tasks
Problems communicating – difficulty with language; forgetting simple words or using the wrong ones.
Disorientation
Problems with abstract thinking
Misplacing things
Mood changes

Treatment of dementia depends on its cause. In the case of most progressive dementias, including Alzheimer’s disease, there is no cure and no treatment that slows or stops its progression. But there are drug treatments that may temporarily improve symptoms. The same medications used to treat Alzheimer’s are among the drugs sometimes prescribed to help with symptoms of other types of dementias. Non-drug therapies can also alleviate some symptoms of dementia.

Monday Health Burst is an initiative of CFHI to address issues of basic health concerns. Join us every Monday for more interesting episodes.

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SPEAK WEDNESDAY

Gender, Gender Equality, Speak Wednesday, Women, Women in Leadership, Women's Rights / cfhinitiative

WOMEN’S RIGHT TO FULL AND EFFECTIVE POLITICAL PARTICIPATION

According to provisions of the Convention on the Elimination of all Forms of Discrimination against Women (CEDAW), the protocol to the African Charter on the Rights of Women in Africa, and the National Gender Policy, women have the right to participate in political processes that affect them, their families, and societies. Countries like Rwanda, Cuba, Bolivia, and United Arab Emirates with increased women’s participation and leadership in civil societies and political parties tend to be more inclusive, responsive and democratic. Truth is, when women significantly participate in peace processes, they meaningfully help to expand the scope of agreements and improve the prospects for lasting peace.

Historically, Women around the world at every socio-political level find themselves under-represented in parliament and far removed from decision-making levels. Despite representing half the global population, women comprise less than 20 percent of the world’s legislators according to United States Agency for International Development (USAID).

Women in Nigeria face many challenges and discriminatory practices under some existing laws and customs. Political life in Nigeria is based on male norms and values, and men determine the standards for political participation and the rules that govern the electoral process, greatly limiting women’s participation in politics. For example, intending female candidates for political offices are often disadvantaged, and even disqualified, by rules and cultural norms surrounding marriage and indigeneship. In some cases, parties actively exclude women from standing for office and most often than not, female political candidates are often subject to hate speech, threats or violence. Nevertheless, Women are known to be resilient family and society builders and are naturally imbued with salient and sterling leadership qualities. Over time in history, a few women who have been entrusted with leadership roles have more often than not proved that when given adequate backing, women can perform creditably – a case study of Dr. Ngozi Okonjo-Iweala and Margaret Ekpo in managing human and material resources.

In conclusion, women’s full and effective political participation births gender equality, inclusive growth, and sustainable development. The active participation of women, on equal terms with men, at all levels of decision-making and political involvement provides a balance that more accurately reflects the composition of society and may as such enhance the legitimacy of political processes by making them more democratic and responsive to the concerns and perspectives of all segments of society. Research shows that as more women are elected to office, there is a corollary increase in policy making that emphasizes quality of life and reflects the priorities of families, women, ethnic and racial minorities.

Speak Wednesday is an initiative of Centre for Family Health Initiative (CFHI) to address issues around gender-based violence and gender bias. Join us every Wednesday on all our social media platforms for more interesting episodes.

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The Economically Empowered Mother of Four

Uncategorized / cfhinitiative

Joy Umoru is a reactive mother of four children who resides in Gosa community . she has a viral load that is undetectable because she adheres to her drugs.

During the time of enrollment, she had nothing doing, she was living with her four children with no means of livelihood to cater for their education and well being.

She was then empowered with ten thousand naira (N10, 000) in May through the house hold economy empowerment which she used to start a business of yam flower. She started selling with 10 mudus of yam flower, which she sells to her neighbors and supplies from house to house.

After a while, She joined the savings group (SILC) in the community, where she was consistent in attending meeting and saves money regularly. Now, she has a space in the market where she sells and has advanced from 10 mudus of yam flower to buying in bags, she also added garri and maize to her business.

Feeding is no longer a challenge as she continues her business and pay bills from the little profit, she makes from her Yam Flower business.

Joy Umoru said she is grateful to CFHI and her funders for adding value to her family.

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The Story of Favour Odibo

Uncategorized / cfhinitiative

As an adolescent, Favour became a member of the DREAMS club. As a complementary package, CFHI enrolled her for one year tailoring skill acquisitions, during her apprenticeship, she did exceptionally and as such she was empowered with a sewing machine as a startup kit.

Being an intelligent girl, shetook advantage of the pandemic and began to produce facemasks which was in high demand, this in turn increased her turn over. Today, Favour is independent and owns a tailoring outfit in front of her house where she makes dresses for her customers. From the income generated from her tailoring business, she has been able to support her family financially and this has improved the livelihood of her family.

The Odibos are grateful for this great opportunity giving to their daughter.

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SPEAK WEDNESDAY

Gender, Gender Equality, Speak Wednesday, WHO, Women, Women's Rights / cfhinitiative

THE TERM GENDER EQUALITY (WHAT EXACTLY IS GENDER EQUALITY?)

According to United Nations Children Fund (UNICEF), Gender equality is the equal valuing by society of the similarities and the differences of men and women, and the roles they play. It is based on women and men being full partners in the home, community, and society. Equality does not mean that women and men will become the same, but the rights, responsibilities, and opportunities will not depend on whether they are born male or female.

According to gender gap Africa, men earn an average of $140 more than women per month in Nigeria, which is the 17th largest gap in Africa. Presently, Nigeria has one of the lowest rates of female representation in parliament across Africa, and globally, it ranks 181st out of 193 countries. Out of 109 senators in Nigeria Senate and 360 House of Representatives members, there are only seven female senators and 20 female House of Representatives members in the National Assembly.

Gender equality implies that the interests, needs and priorities of women, men, girls and boys are taken into consideration, recognizing the diversity of different groups and that all human beings are free to develop their personal abilities and make choices without the limitations set by stereotypes and prejudices about gender roles. The landmark declaration adopted by the General Assembly on 10 December 1948 reaffirms that “All human beings are born free and equal in dignity and rights” and “everyone is entitled to all the rights and freedoms… without distinction of any kind, such as race, colour, sex, language, religion, birth…”

In practice, gender equality would mean educating more girls which would set them up for better job opportunities and income in the future; having more women participate in politics and given equal opportunity in decision making; having more women in the workplace and in leadership positions; and having more women make better choices concerning their sexual and reproductive health and rights.

Gender equality is a matter of human rights and it is considered as an indicator and a precondition for sustainable people-centred development. To achieve peaceful, healthier, and safe societies, with full human potential and sustainable development, gender equality is essential. More so, it has been shown that empowering women spurs productivity and economic growth which is beneficial to everyone.

Speak Wednesday is an initiative of CFHI to address issues around gender-based violence and gender bias. Join us every Wednesday on all our social media platforms for more interesting episodes.

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SPEAK WEDNESDAY

Girl Education, Speak Wednesday, Women Education / cfhinitiative

THE ADVERSE EFFECTS OF CORONA VIRUS DISEASE (COVID-19) ON GIRL EDUCATION

The pandemic is having a tremendous effect on learning in communities where education is already not a priority, specifically girls’ education. By March 2020, United Nations Educational, Scientific and Cultural Organization (UNESCO) reported nearly 3 million students across the world had their education disrupted due to COVID-19 after just 13 countries ordered schools’ closure. By April 2020, 194 countries instituted countrywide schools’ closure, and this affected 91% of enrolled learners, which totals to 1.6 billion children worldwide.

Many girls especially the vulnerable ones in remote communities are the most affected, unfortunately. Even with the reopening of schools in some countries of the world, the state of girls’ education is a far cry from what it used to be before the pandemic. With families dealing with incomparable levels of stress associated with the COVID-19 pandemic, the risk of intra-family conflict and gender-based violence increases, negatively impacting girls’ self-confidence, well-being, and ability to effectively navigate key life decisions.

It is girls’ education that produces great gains in areas of health, infant mortality and the economic well-being of families and the society at large. However, these girls are the first to be pulled out of school, put to work and care for younger siblings when families face economic hardship. Loss of household income has also led to child marriage to generate income for the family.

According to research, with the emergence of Covid-19, girls spend more time with men and boys compared to when they are in school, which can lead to involvement in risky sexual behavior and increased risk of sexual violence and exploitation. In due course, this can lead to an increase in teenage pregnancies which plays a huge factor in girls not returning to school.

Finally, girls sometimes become primary caregivers for sick members of the families and for younger siblings pulling them away from school and sometimes permanently in cases where girls become the household breadwinners.

With all these factors, COVID-19 could result in severe outcomes and disproportionate effects in girls’ education, but this can be forestalled if government and non-governmental agencies are able to include gender in school reopening plans and ensure girls still have the means to continue learning while at home. For countries who have lifted the lockdown on schools, it is important that plans are in place to follow up and reengage schoolgirls who do not return to school.

Speak Wednesday is an initiative of CFHI to address issues of gender-based violence and gender bias. Join us every Wednesday on all our social media platforms for more interesting episodes.

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MONDAY HEALTH BURST

Endometriosis, Health, Health Communication, Monday Health Burst / cfhinitiative

ENDOMETRIOSIS – CAUSES, SYMPTOMS, AND TREATMENT

Endometriosis, sometimes called “Endo,” is a common health problem in women. It gets its name from the word endometrium, the tissue that normally lines the uterus or womb. Endometriosis happens when tissue similar to the lining of the uterus (womb) grows outside of the uterus and on other areas in the body where it does not belong. It is especially common among women in 30s and 40s and may make it harder to get pregnant. Endometriosis is often found on the ovaries, fallopian tubes, tissues that hold the uterus in place or outer surface of the uterus.

The cause of Endometriosis is yet unknown, However, there are several theories associated with the causes of Endometriosis. The widely accepted theory is that the womb lining does not leave the body properly during a period and embeds itself on the organs of the pelvis. This is known as retrograde menstruation. Other factors include

Genetic factors -Because endometriosis runs in families, it may be inherited in the genes.
Immune system problems -A faulty immune system may fail to find and destroy endometrial tissue growing outside of the uterus. Immune system disorders and certain cancers are more common in women with endometriosis.
Hormones -the hormone estrogen appears to promote endometriosis. Research is looking at whether endometriosis is a problem with the body’s hormone system.
Surgery -during a surgery to the abdominal area, such as a Cesarean (C-section) or hysterectomy, endometrial tissue could be picked up and moved by mistake. For instance, endometrial tissue has been found in abdominal scars.

Endometriosis is a long-term (chronic) condition. Symptoms can vary significantly from person to person and some women have no symptoms at all. Yet, the most common symptoms include: painful periods or heavy periods which gets worse overtime; pain in the lower abdomen, pelvis or lower back, pain during and after sex, bleeding between periods, difficulty getting pregnant, painful bowel movements or pain when urinating during menstrual periods. Most women with endometriosis get pain in the area between their hips and the tops of their legs. Some women experience this pain all the time.

Other symptoms may include persistent exhaustion and tiredness, discomfort when defecating, bleeding from the back passage (rectum) or blood in feces, and coughing blood in rare cases when the endometriosis tissue is in the lung. How severe the symptoms are depends on where in the body the abnormal tissue is, rather than the amount of tissue present. A small amount could be more painful than a large amount. It is worthy of note that Endometriosis is rare in women who are in the menopause stage.

There is presently no cure for endometriosis. Endometriosis can be a difficult condition to deal with, both physically and emotionally but treatments are available for the symptoms and problems it causes. The symptoms of endometriosis can often be managed with painkillers and hormone medication, which help prevent the condition interfering with daily activities. Still, there is no known cure for endometriosis. For women who are not interested in getting pregnant, hormonal birth control is generally the first step in treatment. Patches of endometriosis tissue can sometimes be surgically removed to improve symptoms and fertility also. However, Surgery is usually chosen for severe symptoms, when hormones are not providing relief or if there are fertility problems.

Monday Health Burst is an initiative of CFHI to address issues of basic health concerns. Join us every Monday for more interesting episodes

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