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Money Mata Programme
Money Mata (Financial Capability and Record Keeping)
Program Overview
Money Mata is Enatta Foundation’s financial capability programme designed to help women manage income with clarity and intention. It focuses on practical financial skills that support long-term stability rather than short-term consumption.
Income without structure is vulnerable income, and Money Mata addresses this by equipping women with simple and effective tools to track earnings and build toward specific goals.
The programme recognizes that income alone does not guarantee economic security. Without basic financial systems, gains from livelihood interventions are easily lost.
Why the Programme Exists
Many fisherwomen operate in cash-based economies with no formal record-keeping. Income flows are irregular and financial decisions are often reactive rather than planned.
This makes women vulnerable to shocks and weakens their eligibility for formal financial services. Money Mata exists to close this gap by making financial management accessible and grounded in daily realities.
What the Programme Does
The Money Mata programme focuses on income tracking, simple record-keeping, savings habits, and goal-based planning. The curriculum is adapted to low-literacy contexts and emphasizes consistency over complexity.
Participants learn how to separate business income from household expenses and prepare for periods of low catch or seasonal disruption. Sessions use practical examples drawn from fishing economies, making concepts immediately applicable. Women are taught to record daily income and expenses using the record booklet we have provided.
The programme reinforces independence rather than reliance on external support. The goal is for women to manage their finances with confidence long after formal training ends.
Who It Serves
The programme serves women participating in Enatta Foundation’s livelihood and post-harvest initiatives, ensuring that income gains translate into lasting progress.
Outcomes and Long-Term Impact
- Improved income awareness and financial decision-making
- Increased adoption of regular savings practices
- Better separation of business and household finances
- Greater preparedness for seasonal income fluctuations
- Stronger foundation for asset accumulation and growth