The graduation pathway

One pathway. Three stages. Two trades.

Health and food first. Then school. Then savings and a trade.

Ramah is piloting its execution of a model already tested in randomised trials.

Where the pathway splits.

Most graduation programmes draw a straight line. Ramah's forks, because a household is not one person.

HOUSEHOLDSURVIVEHealth and foodPROTECTSchool and safetyEARNSavings and a tradeWIDOWSA functioning businessCHILDRENEducation completion
The household enters together and stays together through Survive and Protect. At Earn the pathway forks, because adults earn and children progress. A child is never made an economic actor while still a child.

Five programmes, one household.

Three stages, five programmes. The Earn stage carries three, which is why the counts differ. Basic needs support and intensive coaching run alongside all five.

  1. 01Survive

    Community Health and Nutrition

    Health is the foundation everything else stands on. No vocational training or savings group works if participants are sick or hungry. In Nabdam, health insurance coverage contributes 14.1% of the district's multidimensional poverty, and the lean season from March to July leaves households with no buffer against illness or a bad harvest.

    What it involves

    • Plans to train Community Health Volunteers through the district CHPS structure of the Ghana Health Service
    • Quarterly health outreach with referral pathways
    • Lean-season kitchen gardens and community grain banks
    • Psychosocial support for bereaved households

    What will be measured

    • Share of enrolled households keeping three meals a day through the lean season
    • Referral completion rate from outreach to CHPS facility
    • Reduction in preventable illness among enrolled children
  2. 02Protect

    Education Access for Vulnerable Children

    Free SHS covers tuition, so fees are no longer the barrier. Distance, supplies, menstrual hygiene and hunger are. School lag contributes 8.5% of the district's poverty, and Nabdam has one public senior high school. Ramah plans to support every vulnerable child in an enrolled household, orphan or not. Funding is pooled across the community, and no child is individually sponsored.

    What it involves

    • School supplies and bags for vulnerable children
    • Menstrual hygiene kits for adolescent girls
    • Quarterly mentorship circles in peer groups
    • Attendance and wellbeing tracking per child

    What will be measured

    • School attendance rate against the district average
    • Share of enrolled girls holding attendance through menstrual cycles
    • Grade progression rate for supported children
  3. 03Earn

    Village Savings and Loan Associations

    Savings groups are the financial floor that turns a trained woman into a business owner. Widows will pool weekly savings, take low-interest loans from their own group's fund, and build the capital base a trade needs. The first group of about 20 widows forms in February 2027, built on what the December pilot teaches.

    What it involves

    • Groups of 20 to 25 widows, self-managed
    • Weekly savings and a group loan fund
    • Financial literacy training
    • Groups transition to self-management as they mature

    What will be measured

    • Share of members still saving 12 months after the first cycle
    • Average loan repayment rate per group
    • Share of groups self-sustaining after Ramah support ends
  4. 04Earn

    Vocational Skills for Widows

    Nabdam has no technical or vocational institution at all. Ramah starts with two trades that form one value chain: shea processing and soap making. Training without a market does not create a business, so training begins only once buyers, start-up capital and input supply are confirmed. The goal is a functioning business.

    What it involves

    • Two flagship trades forming one shea-to-soap chain
    • A production kit transferred to the household at graduation, to keep
    • Start-up capital through the savings group
    • Training starts only once buyers and input supply are confirmed

    What will be measured

    • Share of graduates operating a business 12 months after training
    • Average monthly income against the pre-enrolment baseline
    • Share of graduates who move off programme support within 24 months
  5. 05Earn

    The Big Push

    A productive asset transfer, the component the graduation evidence relies on most. The design is four goats at intake, then a shea and soap production kit on completing training, released only once buyers are confirmed. The kit is transferred to the household outright. Costs are planning figures until household consumption and market prices are measured at the December 2026 pilot.

    What it involves

    • Four goats at intake, with veterinary cover
    • A shea and soap production kit on completing training
    • Released only once buyers are confirmed
    • Sized against household consumption, measured at the pilot

    What will be measured

    • Share of households still holding productive assets 12 months after transfer
    • Household consumption against the pre-enrolment baseline
    • Share of households with a second source of livelihood

Two trades that feed each other.

The two trades were picked together because one produces what the other needs.

Shea nutsGathered locallyCohort 1Shea processingShea butterThe outputTHE BUTTER IS THE INPUTCohort 2Soap makingSoapThe outputOwn-household useSale only after FDA licensing
Two trades, chosen because they form one chain: what the first cohort produces is the input the second cohort uses. Soap is a regulated cosmetic, so training and own-household use come first, and any sale waits on FDA premises licensing and product registration.
01

Shea butter processing

The district's oldest skill

Women in Nabdam have processed shea for generations. Ramah's design trains cooperatives in semi-mechanised methods, using equipment manufactured locally in Bolgatanga. Any route to market waits until buyers are confirmed and Ramah has decided how sale would be licensed.

02

Soap making

Training and own-household use first

The primary input for soap is shea butter, which is why the two trades were chosen together. Soap is a regulated cosmetic in Ghana. Training and soap made for trainees' own households come first; any sale would follow only after FDA premises licensing and product registration, and Ramah has not yet decided whether to take that route.

The evidence base

Two papers, doing different work.

The 2015 Science trial tested the full bundle against a control across six countries and 10,495 households. It did not test the bundle against its own components.

The 2022 Journal of Development Economics paper did, using two extra experimental arms at the Ghana site. Savings alone weakened by year three. Four goats alone showed no positive welfare effect at all: households sold or ate them. Only the full bundle produced income effects that lasted.

That is why Ramah does not offer the stages as a menu, and does not drop one to save money.

Benefit-cost ratio, by country arm

  • India

    433% benefit-cost · 23.4% IRR

    Strongest of the six

  • Ghana

    133% benefit-cost · 6.9% IRR

    Weakest of the five where benefits exceeded costs

Ramah plans to work where the number is weakest, and where the evidence is deepest. Ghana is the arm researchers returned to in 2022 to test the bundle against its own parts. That is why it is the number Ramah plans against: a modest result from a site taken apart and examined says more about what to do than a strong one from a site nobody unpacked.

Banerjee, Duflo, Goldberg, Karlan, Osei, Parienté, Shapiro, Thuysbaert and Udry (2015), “A multifaceted program causes lasting progress for the very poor”, Science 348(6236). Ghana arm implemented by Presbyterian Agricultural Services with Innovations for Poverty Action, in Northern and Upper East communities adjacent to Nabdam.

Service alone does not fix systems.

Nabdam's place among Ghana's poorest districts is the result of decades of development spending that favoured the south. Ramah plans to deliver programmes and to argue about the arithmetic that produced this.

Policy advocacy

Using ground-level data to argue for equitable allocation to northern districts. A district of 51,861 people with no technical or vocational school is a policy outcome.

Coalition building

Building working relationships with Ghana Health Service, the District Assembly and other organisations already active in Nabdam, so that Ramah adds to their work and avoids duplicating it.

Evidence and accountability

Publishing outcome data openly, including what does not work, so that communities, funders and government can hold Ramah to account and useful parts can be copied.

The first three days come in December.

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