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What financial inclusion obstacle are we supporting low-income people to navigate? What financial capability are we attempting to enable or develop? What – gives you access to MFO’s select publications organized around the content of a financial education curriculum or training manual. You can also gain access to the full set of Global Financial Education Program materials here.

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Introducing New Questions for Garment Workers in Bangladesh

For this week’s Garment Worker Diaries blog we’re providing an overview of some new questions we’ll be adding to our surveys. The new questions cover the topics of savings, spending, workers’ support networks, and food security in more depth than we have been doing up until now. We’ll also be asking more questions that are concerned with control over finances and decision-making when it comes to spending money. We hope these new questions will offer even more insights into the lives of garment workers in Bangladesh, and in particular will add to our understanding of womens’ ability to control their own finances.

We look forward to sharing some of the results from these questions with you in just a few weeks.

As always, you can send any questions you have for MFO, SANEM, the workers or about the project to questions@workerdiaries.org


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Salary Payment Data

Salary payments are the subject of this week’s Garment Worker Diaries blog. As we’ve discussed before, the share of garment workers in Bangladesh receiving digital salary payments increased dramatically in May 2020. But since summer that year, digital salary payments have tapered off and now the share of workers receiving either a cash or digital salary payment are much closer.

MFO, SANEM and our partner for this blog post, Mathematica, wanted to get a more detailed understanding of how salary payments are currently being handled. So we went straight to the source and asked garment workers how they’re being paid. We discuss the timing of salary digitization, subsequent developments since the rapid rise in digitization in the spring of 2020, non-salary payments, payment variation among workers within the same factory, and workers’ control over and knowledge of their digitized payments.

As always, you can send any questions you have for MFO, SANEM, the workers or about the project to questions@workerdiaries.org


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Worker Diaries Update through August 2021

We hope you’ve enjoyed reading our recent blogs which have covered specific aspects of garment workers’ lives. This week, we’re back with a general update on the respondents in our study, through the end of August 2021, and we go over some specific data points for June and July as well, such as those concerning Eid al-Adha. We’ve started tracking how many workers haven’t been able to go to work each month due to lockdowns, and we’ve also got a COVID-19 vaccination update through the end of September.

As always, you can send any other questions you have for MFO, SANEM, the workers or about the project to questions@workerdiaries.org


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Household Earners Update through August 2021

MFO and SANEM have now been collecting data on additional wage-earning members of garment workers’ households in Bangladesh for over a year. As it turns out, the economic makeup of these households has remained virtually unchanged over the past year. While this might not be particularly noteworthy, we think it’s important to keep record of what these workers are willing to share with us, as the story might not always be so static.

So for now, here is the Garment Worker Diaries’ household earner data, updated through August 2021.

As always, you can send any other questions you have for MFO, SANEM, the workers or about the project to questions@workerdiaries.org


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Workplace Contracts, Part 3

We return to workplace contracts for the topic of this week’s Garment Worker Diaries blog.

We begin by asking workers if they receive an employment contract and if so whether it is communicated to them in writing or orally. Next we see how many of those workers who receive contracts report understanding the important contract particulars (job role, work hours, payment, dismissal).

Then we move on to discuss workers’ confidence in the accuracy of their salary payments. We finish by adding some nuance to workers’ certainty that they are being paid correctly, as well as briefly discussing the difference in women’s and men’s understanding of their contracts.

As always, you can send any other questions you have for MFO, SANEM, the workers or about the project to questions@workerdiaries.org


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