FALS Tool 1: Vision Journey - GAMEchange Networkgamechangenetwork.org/wp-content/uploads/2018/03/...Loan officer monitoring This tool is to introduce diagramming and planning principles

of 13 © Linda Mayoux and Oikocredit December 2017

bridging the gender gap in responsible finance

Linda Mayoux

with

Malou JuanitoIntan Darmawati Malu PadillaASKI staffNWTF staff

Tool 1 Vision Journey Contents

StepsOYour happy dream vision for the future 4

1Vision for your first journey 5

2 current circle and linking road 6

3 opportunities and constraints 7

4 SMART target and milestones 8

5 Action plan 9

6 Track 10

Sharing: 11MFI : Financial Action Learning SystemLoan officer monitoring 12

SPM monitoring 12

Product innovation 13

GENDER ACTION LEARNING 13


Member Name/SymbolGroup Name/SymbolDate

Step 1 Vision

Step 2 Current

Step 3 Opportunities(at least 10)

Step 3 Challenges(all those relevant, but turn to

opportunities)

Step 4Target and Milestones

Step 5 Action Plan

Step 6 Trackand assess

?

SHARE

Draw the Vision in a big circle on the front page.

The Vision Journey then follows across the next

double page. Use the book horizontally. Start in

pencil first and then add colour.

Remember to put your name and a date.

Steps

We need to start our road to the future somewhere - to develop the habit of visioning, planning and assessing our progress.

The Vision Journey is a planning tool that has helped many people (women and youth as well as men) to plan how to use their money and loans to achieve at least parts of their vision - higher education for children, better houses, buying land, setting up new businesses, buying cars (that women as well as men can drive).

Page 3 of 13 © Linda Mayoux and Oikocredit December 2017

OYour happy dream vision for the future

What is your dream vision for happiness?Close your eyes. Think of what your life might look like in 5-10 years time if you are

happy?

• What will your Happy Family look like? Who is

there? Who is doing what?

• How is your business? What do you have? Who

gets the money? Who decides what? Who owns

what?

• What do your friends and the community

environment look like?

• What do you yourself look like if you are

empowered to change and achieve this vision?

Draw a vision sun circle On the first page of your notebook draw a very large red circle like a

sun with rays shining from it.

Draw your dream vision In the circle draw your vision. It is important to draw because we dream

in pictures. It is the visual things we see that will

inspire us when life becomes difficult. Drawings are

also clearer when we show them to our family and

friends.



Step 1 Vision

1Vision for your first journey

All journeys start with a dream of where we want to

go and a plan or road map to get there.On the next

double page of your notebook you will draw the plan.

Vision sun Draw a large circle at the top right hand corner of your page.This represents the future.

It is a large circle at the top because it is like a sun

and you are reaching for the sky. It is the vision that

will inspire you to pick yourself up, and continue to

move forward if you fall and stumble on the rocks

along the road.

Most important vision Now select one thing from your dream. Draw your vision of how this will

look if you are happy in 5-10 years time. This will be

your vision for this road.

Once you have learned the tool to plan then you can

draw more vision journeys for the other things in your

dream. Or combine them into a ‘multilane highway’

that has lanes for each thing.



Step 1 Vision

Step 2 Current

Current circle: Draw a second large circle at the bottom left hand corner of the flipchart. This is

drawn in black and represents the current situation

of your vision.

Current situation: In this bottom circle draw how your current starting situation is for the thing in

your vision eg if the vision is a house, how is your

house now. If your vision is a beautiful farm, how is

your farm now. If you want to be president, what is

your starting point?

The road: Draw two straight black lines to link both circles. This represents your road from the

present (bottom) to the future (top). The road is

straight and upwards, because this is how you hope

you will reach up to your vision. You fill this in later.

2 current circle and linking roadPage 6 of 13 © Linda Mayoux and Oikocredit December 2017


Step 1 Vision

Step 2 Current



opportunities)

Opportunities now think of the different things that can help you along the road. Draw these

opportunities above the road..The more opportunities

you think of, the quicker you will advance. You need

to think of at least 10. They are the things which will

help you up if you fall down and keep you feeling

positive. The opportunities which are most under

your control nearest the road. The things which you

cannot control eg winning the lottery or weather go

furthest from the road.

Challenges now you need to do a thorough risk analysis and identify the challenges. These go under

the road because these are the things which can

drag you down. It is important to foresee as many of

these as possible in order to avoid them.

Balance If challenges are many then try to identify corresponding opportunities that can help you

address them eg mosquito nets for malaria.

3 Opportunities and Challenges



Step 1 Vision

Step 2 Current



opportunities)


4 SMART target and milestones

Every journey starts with small steps. Your vision is

a long term dream. Now you need to plan realistic

timebound steps - given your opportunities and

challenges.

Target Draw a circle with a thick green line right next to the vision. This is your ‘SMART’ 1 year target.

Put symbols in green to indicate what you think you

can achieve in 1 year towards your vision.

Milestones Then put 3 - 5 thin green circles along the road as milestones - what you can achieve

by specific times. The first circle should represent

about 1 month’s time. The rest are ‘monitoring points’

you will aim for like harvest, Eid/Xmas.

Leave enough space in between the circles - that is

where you will put the actions.



Step 1 Vision

Step 2 Current



opportunities)


Step 5 Action Plan

Actions Now you need to think about the actions needed to move from one milestone to the next - to

make sure you sieze opportunities and avoid the

challenges. Put symbols for the different actions in

green.

Fairness If you are making assumptions that your family members will help, draw clear symbols

to represent them - and think how they will be

persuaded and rewarded.

Review Revise the milestones and target if necessary. You may also think about further

opportunities and challenges as you reflect in more

depth.5Action Plan



Step 1 Vision

Step 2 Current



opportunities)


Step 5 Action Plan

Step 6 Trackand assess

?

It is important to continually review your progress

towards the target if you want to succeed. Do not just

put the plan in a drawer and forget about it - or leave

it for the children to tear up.

As you progress to each milestone:

• Ring in red those things you achieve. Those

are juicy ripe red fruits towards the vision.Some

things in your next milestone may be achieved

more quickly than anticipated. Ring those also in

red.

• Ring in blue those things that really do not work

out and you cannot recover. Those are perished

fruits where you need to think of alternative

action.

• Ring in green those things that were planned but

not yet achieved. Those you draw again in green

for the next milestone.

The aim is to make very visible your progress and

achievements through the amount of red replacing

the green. But also to make clear what is not going

according to plan, so you can retthink and adjust.

And still achieve your target towards your shining

vision.

6 Track


Sharing:Tool steps at the back of the Notebook diary - steps only are shared not personal Vision Journey drawings.



MFI : Financial Action Learning System

Loan officer monitoringThis tool is to introduce diagramming and planning principles to clients.

It is not necessary for the loan officer. They only need to understand

the basic principles of the tool as the basis for developing the Financial

Management Calendar. It may also be useful for their own personal use

eg for career planning.

SPM monitoringThis tool is to introduce diagramming and planning principles to

clients. What is presented here is therefore introductory and simple.

The tool could be used and further elaborated to track wider PPI

indicators as a ‘Multilane Highway’ for eg housing, education etc.

And looking at the wider impacts of the loan. The Vision Journey can

capture attribution through looking at the opportunities and challenges

as well as the progress along the road.


GENDER ACTION LEARNING The Vision Journey starts to introduce gender issues such as:

• are the visions of women and men different?

• ownership of assets like land, housing and cars in the vision

• what are gender differences in opportunities and challenges?

• are any gender issues drawn as opportunities or challenges eg differences in

ownership, power, health, skills, violence, decision-making

But gender discussions should build on what clients say, with a bit of light probing.

The main aim is to inspire and understand perspectives of women and men

clients without preconception and stereotyping. ‘Political correctness’ and ‘gender

policing’ should be avoided at all costs. There is time later to see how attitudes

and behaviours may change.

Product innovationThis tool is to introduce diagramming and planning principles

to clients. What is presented here is therefore introductory

and simple.

It could be adapted for product innovation to capture wider

client aspirations to be addressed through new savings, loan,

insurance and remittance products as a complement to the

more loan-focused Financial Management Calendar.

StepsOYour happy dream vision for the future1Vision for your first journey2 current circle and linking road3 opportunities and constraints4 SMART target and milestones5 Action plan 6 TrackSharing:

MFI : Financial action learning SystemLoan officer monitoringSPM monitoringProduct innovationGENDER ACTION LEARNING OYour happy dream vision for the future3 Opportunities and Challenges6 TrackSharing:

Documents

FALS Tool 1: Vision Journey - GAMEchange Networkgamechangenetwork.org/wp-content/uploads/2018/03/...Loan officer monitoring This tool is to introduce diagramming and planning principles