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Table of Contents
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Purpose of the checklist
Why is gender important in urban development and housing projects?
Key questions and action points in the project cycle
Gender analysis
Project design
Policy dialogue
Appendix: Terms of reference for gender specialist
Selected references
Gender Checklist: Urban Development and Housing

Project design

Specific components4

Design of infrastructure (e.g., water supply, waste management, hygiene, transport, and electricity facilities and housing/shelters)

  • Actively involve beneficiary women and men in determining the number, location, and types of urban facilities and services, and incorporate their various preferences. For example, where rel-evant:

    • Consider a cost-effective public lighting system to make paths and streets safer for girls and women at night.
    • Consider a community space that is freely accessible to both women and men.
    • Where public transport is part of urban development, consider access points and schedules friendly to women. Where segregation is the norm, consider a women-only means of transport.
    • Where separation is the norm, consider creating separate spaces for men and women (e.g., women’s cars in trains, women-only buses, women’s toilet spaces at bus terminals or train stations) (see box 1).
    • Where there is a need for them, consider building shelters for battered women and children (e.g., transit homes for trafficked girls, crèches for street children), or working women’s hostels. Such facilities could be operated by private entities or by NGOs.
    • Consider locating urban facilities (e.g., water taps, latrines) where they are easily accessible to women.

  • Actively involve beneficiary women and men in determining housing designs and locations and incorporate their various preferences. For example:

    • Avoid a housing design that would unnecessarily add to women’s domestic work (e.g., earth floors, overcrowding of different functions).
    • Consider a housing design that will provide women with adequate space and facilities, such as workspaces, storage facilities, and lighting, for home-based income-generating activities (see box 2). Zoning requirements may need to be considered in the process.
    • Consider providing electrical outlets in cooking areas in low-cost housing to allow for the possible use of electrical appliances later on (this may encourage families to save money for the purchase of labor-saving devices).
    • Design simple house plans that could easily be expanded as household incomes grow.
    • Consider housing locations where women have better access to water and hygiene facilities, transport, and security.

  • Use technology appropriate to women’s and men’s needs and management capabilities (e.g., water supply, latrines, drainage system), as well as to local materials, traditions, and the envi-ronment.

Box 1: Bangladesh Third Rural Infrastructure Development Project, 1997: Addressing women’s needs in markets and shelters

CASE STUDY

The Third Rural Infrastructure Project in Bangladesh is a good example of how physical infrastructure designs can address women’s special needs and their participation. The project involves the improvement of the infrastructure in small towns and rural areas en-compassing feeder roads, bridges and culverts along rural roads, flash-flood ref-uges, and markets and ghats (boat landing facilities) in growth centers.

Among the many gender-specific features of the project design, the following two aspects should be highlighted here:

Women’s corners (WCs) in growth-center markets

The project supports the construction of 279 WCs to promote the businesses of women traders. The specific locations of WCs in each market were decided by the women themselves in consultation with the project authorities. Toilet and water facilities for women have also been built. Selection criteria and terms and conditions for women traders who are eligible to use the space have been developed. Such criteria ensure that men do not use women’s names to get additional spaces in the WCs.

With the help of women’s NGOs, women vendors have been trained in shop management, trade licensing, taxes and tolls, and operation and maintenance of facilities. Further, to ensure that there is enough demand for WC services, motivational activities targeted to women and girls as consumers are being carried out to encourage them to use the WCs.

Women’s space at flash-flood refuges

Women have participated in the selection of sites and the design of the refuges. The refuge design took into account the identified need for private spaces and toilets for women and for emergency medical-care facilities and services especially for pregnant women.

Timing of UDH operations

  • To the extent possible, consider women’s needs in determining the service time and frequency of urban services (e.g., time and frequency of water supply, solid waste collection, bus and train services).

Financing and credit mechanisms (see box 2)

  • Consider providing financial assistance through government-assisted, private-sector, and NGO financial institutions that can reach poor women and men.

  • Hold consultations to ensure consideration of the preferences of men and women with respect to:

    • financing arrangement (e.g., user fees, cash vs. in-kind or labor contribution)
    • possible preferential treatment for very poor, female-headed, and other disadvantaged families
    • the possibility of linking up with credit or community-based revolving funds for UDH (see box 2). The repayment schedules in such a credit arrangement should consider the irregular earning patterns of the urban informal sector.

  • Consider allowing the use of personal goods (e.g., vendor licenses) to meet collateral requirements.

Women’s participation mechanism (see box 3)

  • Develop a participation strategy to directly address women’s participation in project implementation and M&E. Avoid overly high expectations of women’s participation and develop a practical schedule, as women often have time and financial constraints. The strategy should include the following:

    • Organizational setup: Where relevant (especially where a community-based approach is adopted), consider organizing women into neighborhood groups to increase their bargaining power and leadership skills. Where groups with both women and men members are preferred, consider setting a quota for women in the executive committees of such groups.
    • Group rules: Where a formal community group is being organized, clearly define the rules and responsibilities of members. Establish grievance mechanisms for the resolution of conflicts related to user rights and responsibilities. Document the agreements in bylaws.
    • Construction: Ensure that work conditions are conducive to women’s participation (e.g., gender-equal wage rates, construction season, toilet and child-care facilities).
    • Maintenance of facilities: Ensure that both women and men are adequately trained in the operation and maintenance (O&M) of facilities.
    • Sanitation and hygiene: Use women as active agents but be sure to involve husbands and male leaders as well.
    • Monitoring and evaluation (M&E): Develop a feedback mechanism in which both male and female beneficiaries have a voice.
    • Women’s NGOs/CBOs: Identify organizations that could promote women’s participation during implementation and M&E.

Box 2: Assistance to community-based financing institutions and NGOs in India: Meeting poor women’s demands for decent shelter

CASE STUDY

India has a severe housing shortage: in the urban sector alone, the demand-supply gap is about 17 million units. The slums prevalent in many Indian cities manifest this fact. Slum dwellers are increasing in numbers by about 9 percent to 10 percent each year. Women and children are the most affected by poor living conditions such as lack of shelter and basic services. In response, the government has encouraged the establishment of market-oriented housing finance institutions (HFIs) and poverty-targeting community-based finance institutions (CFIs). There are also private housing financing companies, which target middle-income households. Moreover, NGOs and CBOs sometimes assist low-income communities in organizing thrift and credit societies to provide finance to the poor, usually women.

The Housing Finance Project in India (1997) supports all of these diverse housing finance channels. It has tried to promote onlending by HFIs to more community-based and poverty-targeting CFIs and NGOs/CBOs. Another innovative approach is the so-called “slum networking” in which a joint effort toward slum improvement is made by government, private industries responsible for environmental management in communities, and NGOs/ CBOs.

In Ahmedabad, for example, the government-assisted Ahmedabad Municipal Corporation (AMC), nearby private industries (such as a milling company), and the communities served by NGOs/CBOs all contribute to the costs involved. The slums were grouped into convenient packages, and consortiums of reputable industries and NGOs were asked to bid for works on behalf of the communities within the design framework established by AMC. Slum communities are represented by neighborhood committees or NGOs/CBOs or both. Before a slum becomes eligible for improvement, each family must contribute Rs 2,100. If the household does not have enough savings, credit is made available from such financing NGOs as the Self-employed Women’s Association (SEWA) Bank and Friends of Women’s World Banking. As the community agents of such women’s microfinance institutions, women from the low-income households play major roles in mobilizing the resources from individual households.

Employment

  • Ensure equal employment opportunities under the project for women and men (e.g., construction; manufacture of building materials; small- or medium-scale waste collection, trading, or recycling enterprises)

  • Ensure that women and men who are running businesses in their homes are not placed at a disadvantage by zoning regulations.

  • To the extent possible, consider locating new housing developments close to markets or manufacturing centers or both, to give women and men more employment opportunities

Eligibility considerations for housing applications

  • Set up a criterion that does not discriminate against women and men with less stable jobs. Otherwise, women, who are generally under-represented in the formal employment sector, may be disproportionately affected. Consider flexible income calculations, such as including the irregular incomes of all family members instead of only the stable income of the head of the household. An alternative would be to consider providing low-income housing for these people.

  • Ensure eligibility for female-headed households and couples in consensual unions.

  • Consider preferential eligibility criteria for poor, disadvantaged, and female-headed households. Where possible, consider quotas for them

  • Minimize paperwork and bureaucratic procedures to encourage uneducated or illiterate women and men to apply.

Box 3: Housing Finance Project in India, 1997: Support for home-based female workers through shelter improvement and integrated poverty reduction

CASE STUDY

The Housing Finance Project mentioned in box 2 also provides in-come- generating opportunities for low-income women and men. It adopts two approaches to this end. The “workshed-cum-shelter” approach supports the poor, mainly women, who operate cottage industries at home. Hand-loom or handicraft societies or corporations nominated by the state provide subsidized funds for shelters or worksheds to their female and male members. The state government provides the land for the shelters or worksheds. To avoid the sale or rental of a given land title to a third party, the project grants a tenure of at least ten years, which gives slum dwellers enough time to find better housing and employment.

Another approach is the “productivity-cum-shelter,” whereby funds are provided directly to low-income women to enable them to establish income-generating activities outside their homes. As mentioned in box 2, innovative community-based financing institutions such as the Self-employed Women’s Association (SEWA) Bank are being tapped to encourage group lending for income generation. This is especially important for women because families rarely acquire assets in the name of women family members. The creation of assets such as shops, carts, lands, or houses in women’s name is therefore crucial in empowering them, as is the acquisition of capital, bank accounts, shares, and savings certificates. The productivity-cum-shelter approach also supports the capacity building of borrowers through skills development training, assistance in identifying sources of raw materials, provision of better tools and equipment, and assistance in establishing links to the market.

Housing tenure considerations (see also box 3)

  • Encourage secure tenancy or ownership for both women and men. Ownership or tenure rights over the very long term also lead to spontaneous upgrading. They stimulate the building of extensions where women can operate small enterprises and earn income.

  • When a new housing project is planned in the periphery of the city, instead of relocating all the poor households to the new site consider allowing some of them to stay by granting land titles to those with makeshift shelters (joint titles for husbands and wives are recommended) and extending services to the area. This poor could thus come back to squat in the center of the city where they used to live and where they have a source of livelihood.

Information dissemination and marketing strategies (see also footnote 2)

  • Direct specific hygiene environmental messages to the relevant gender group, on the basis of the gender division of labor. For example, if women are responsible for disposing of solid waste, information campaigns should be directed to them and a special communication strategy should be developed to reach them.

  • Where women are the target of information or marketing campaigns, consider hiring female information officers to reach them more effectively.

  • Consider tapping women’s NGOs/CBOs for information dissemination and marketing companies for marketing.

Training considerations

  • Where possible, consider combining training in other marketable skills with project-related construction training (e.g. brick-laying, carpentry, welding, masonry, etc.) to provide further income-generating opportunities.

  • Where possible, consider providing a monthly living stipend to encourage the poorest groups to participate in the training.

  • For housing development, consider training women and men in legal matters regarding land and property laws and regulations.

  • Provide gender-awareness training for all project staff, male and female.

  • Train executing agency officials and project staff in gender-sensitive M&E.

  • Consider working closely with NGOs/CBOs in training beneficiary participants.

Overall project framework

Objective

  • Ensure that sector and project goals focus on poverty reduction, human development, and gen-der equity.

Approach

  • Explore a pilot project approach, if there is not enough experience in gender-responsive UDH projects.

  • Determine the practical level of project area coverage, on the basis of the assessed capacity of the executing agencies and community participants.

Poverty reduction and women’s empowerment

  • Identify ways to link up with income-generation, literacy, and other activities to support an integrated approach to poverty reduction and women’s empowerment (e.g., linking up with ongoing or future microcredit projects, disseminating information on available services, as project components).

Staffing, scheduling, procurement, and budgeting

  • Consider women for project overseer positions.

  • Hire more female staff for the project office and, to the extent possible, for the executing agency.

  • Conduct gender training for the service delivery agent at all levels of the organization.

  • If appropriate, set a minimum percentage of female laborers and prohibit the use of child laborers in the civil works contract.

  • Where a community-based approach is adopted, ensure adequate and flexible budgeting to allow a “learning” approach (e.g., training budget, consulting service budget for women’s organizations).

Box 4: Karnataka Urban Development and Coastal Environmental Management Project in India, 1999: Focus on women’s participation and poverty reduction

CASE STUDY

The Karnataka Urban Development and Coastal Environmental Management Project, a comprehensive urban development project in India, provides for specific measures to promote women’s participation and combat poverty, for which women bear a disproportionate burden.

It will invest in urban infrastructure and services required to meet basic human needs and facilitate policy reforms to strengthen urban management in ten urban towns in west Karnataka. The project has six components: (i) capacity building for local government staff and community participation through a community awareness and participation program (CAPP) and a slum improvement program to reduce poverty; (ii) water supply rehabilitation and expansion; (iii) urban environmental improvements through wastewater management, storm water drainage, and solid waste management; (iv) street and bridge improvements; (v) coastal environmental management; and (vi) project management and logistical support.

The social assessment identified that women and children are especially adversely affected by poor living conditions and poor access to basic urban facilities. Women who are exposed to smoky and unsanitary conditions at home and have low access to medical facilities bear an extra burden and are more prone to disease. Children are highly vulnerable to water- and vector-borne diseases. Women and girls in households without piped connections spend as much as one hour collecting water.

Improved hygiene and sanitation through infrastructure investments in the project is expected to greatly benefit women’s health and productivity. However, the project’s benefits will not stop there. The CAPP component will allow women and men beneficiaries to participate in project design, implementation, operation and maintenance (O&M), and monitoring and evaluation (M&E) through awareness raising and a feedback mechanism. This will be facilitated by a consortium of NGOs in each district. The CAPP acknowledges that women’s representation in decision making is crucial. A network of women decision-makers, involving female municipal council chairpersons and female members of concerned municipal governments, women’s NGOs, and female community representatives, will be formed through the CAPP. The CAPP will also provide various training and awareness activities, including women-in-development training.

Furthermore, poor women will benefit from the slum improvement program, which will involve not only infrastructure improvement (e.g., potable water, sanitation, drainage, adequate pathways) but also group savings and credit activities, skills development and entrepreneurship training, and labor opportunities provided by the project. To ensure that poor women get equal benefits, such activities will be monitored by local NGOs and community-based organizations.

Monitoring and evaluation

  • Develop M&E arrangements: (i) internal M&E by project staff; (ii) external M&E by NGOs or consultants, as necessary; and (iii) participatory monitoring by beneficiary men and women.

  • Disaggregate all relevant indicators by gender.

  • Suggested indicators:

    • Level of UDH infrastructure use and awareness among males and females, e.g., level of satisfaction, level of awareness of technical package chosen, patterns of use, access rates, extent of service coverage, awareness of hygienic practices, time saved in collecting/carrying water
    • Project sustainability, e.g., cost recovery, breakdown rates, cleanliness of facilities, number of user groups and members (by gender), number of meetings held
    • Women’s empowerment, e.g., number of women gaining access to credit, increase in women’s income, career prospects for project-trained women

Box 5: Bangladesh Secondary Towns Infrastructure Development Project II, 1995: Strategies for gender mainstreaming

CASE STUDY

The Secondary Towns Infrastructure Development Project II was a comprehensive urban development project that supported the government’s decentralization policy through the following components: (i) rehabilitation of physical infrastructure (e.g., roads and bridges, drainage, solid waste management, water supply, sanitation, town center development); (ii) slum upgrading; (iii) pilot projects for low-income housing, land use planning, and privatization of solid waste management; and (iv) institutional development of a pourashava (urban municipality) support unit, the National Institute of Local Government, and regional training centers in four model pourashavas.

Midway through project implementation, it became clear that women’s participation was confined to the activities under the slum improvement component, such as health, education, water supply, environmental training, group formation, and income generation through credit provision. While the component has been instrumental in flagging gender issues and women’s participation for the project staff, gender as a cross-cutting concern was not mainstreamed into all the other components.

With the assistance of ADB’s Resident Mission GAD Specialist, a project-specific GAD action plan, which included gender mainstreaming activities, was developed to rectify the course of the project and give it an appropriate gender focus beyond a mere “women’s component.” Workshops and consultations between ADB and the executing agency, the Local Government Engineering Department (LGED) of the Ministry of Local Government Rural Development and Cooperatives, were held to formulate the plan. The plan had the following features:

  • Institutional arrangement to support GAD mainstreaming: appointment of a senior member of the consulting team as a GAD focal point to coordinate all GAD activities, including the preparation of GAD guidelines for LGED

  • Support for GAD in local governance: advocacy for the establishment of gen-der and environment committees within pourashavas to be chaired by women ward commissioners; capacity building of women ward commissioners; and recruitment of women as tax assessors, collectors, and officers

  • Infrastructure design modification: design of markets and bus terminals to include facilities for women (e.g., waiting room, security measures, toilets, booking counter)

  • Employment: advocacy to urge contractors to hire women construction workers, and advocacy for the principle of equal wages for equal work between men and women

  • Training for women: ward-based training of women and men beneficiaries and women ward commissioners in the environment, sanitation, solid waste management, health and hygiene, and the maintenance of pit latrines, tubewells, and public toilets

  • Gender awareness training for senior project staff: training to increase awareness of ADB’s GAD policy, the national policy for the development of women, the government’s national action plan for GAD, and basic GAD concepts

  • Gender-sensitive monitoring and evaluation: adoption of gender-disaggregated indicators; redesign of the household survey questionnaire; updating of the pourashava yearbook to rectify its gender focus

In addition, while the GAD action plan was being prepared, it was learned that women ward commissioners in pourashavas did not have clear terms of reference and that the recent local government reform bill had bypassed pourashavas. This issue was taken up at a higher level between the government and ADB as a policy dialogue issue.

Documentation

  • Document the gender-responsive design features in the RRP (preferably as a GAD strategy for the project) and incorporate them in the loan agreement to ensure gender-sensitive project design mechanisms, which the executing agency must comply with (see table 1).

____________________
  1. This section draws on Woroniuk and Schalkwyk (1998), the Habitat II Website (http://www.cedar.ybuvue.ac.at/habitat/gender/gender.html), and various ADB project documents.


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