Malayamma Savings Mama


Malayamma, a savings collector with the Mahila Milan poor women’s network, begins each day walking house-to-house collecting the daily savings of members residing in Bangalore’s Vinobha Nagar settlement. It is the very settlement in which she grew up and where her family has lived for generations. Malayamma’s grandparents moved into the settlement some 60 years ago when they emigrated from Pondicherry in search of work. Her father was born and raised in Vinobha Nagar and Malayamma was the second of eleven children born in a small house with a blue door by the Hindu temple that marks the entrance to the settlement. Clad in a turquoise and white sari, with her trusty calculator tucked into the side (see photo above), she carries an oversized handbag full of savings books and sets off for a long day of collections. I also notice a decent sized tattoo on her right forearm. She later tells me she was tricked into getting it at the age of 10. The tattoo artist told her it was temporary and that it would come off with a little turmeric powder. After some panicked scrubbing of the rangoli-style design with turmeric it became clear the tattoo wasn’t going anywhere. “I was seriously beaten by my father for that” she chuckles.

Click the photo above for her full story.


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A publication by C40 Cities, ICLEI, IIED, SDI, and UN Habitat, with support from Cities Alliance. 


Climate change will worsen many existing shocks and stresses, in addition to creating new challenges in informal settlements (‘slums’) 1 . Climate and disaster-related risks in cities cannot be addressed without upgrading informal settlements; likewise, upgrading will be futile unless the impacts of climate change are taken into account and incorporated. Due to low incomes, fewer assets, and limited voice in governance, residents of informal settlements often lack the capacity to cope with climate risks. Additionally, recognising that informal settlements are not a homogenous group and individuals can be characterised by age, gender, occupation and disability etc, is crucial for policy interventions. Oftentimes, these individuals are likely to be more vulnerable than others and therefore should be considered in upgrading, to ensure an equitable distribution of benefits across an informal community.

This report explores how upgrading informal settlements can simultaneously help in achieving climate resilient, inclusive and low carbon development leading to multiple benefits. Upgrading is a process of improving living conditions in informal settlements, often by providing shelter and services while supporting economic development via stronger links with the ‘formal’ city. Interventions can range in scale and levels of community participation, and they may vary in scope from single-sector projects (e.g. water-taps, electrification) to multi-sectoral programmes. Along with analysing the benefits of key upgrading actions, the report offers a case study of a holistic intervention currently planned in Nairobi’s informal settlement of Mukuru.

This report identifies ten particularly promising upgrading actions with potential to foster multiple benefits and advance several Sustainable Development Goals (SDGs). These interventions are specific to the context of Mukuru and are:

  1. Increasing the efficiency of solid-waste management
  2. Increasing the diversion of food waste, organics, and recycling with benefits for livelihoods
  3. Cooler housing design
  4. Provision of green space
  5. Maintaining high-density neighbourhoods
  6. Mixed-use development
  7. Pedestrianisation
  8. Increase cycling
  9. Solar power for street lighting
  10. Liquified Petroleum Gas (LPG) stoves for cooking

The above initiatives have significant potential to yield multiple benefits, as highlighted in Section 2 and Appendices 1 and 4, such as:

  • Social benefits; such as including the promotion of gender equity, community pride and social cohesion between local actors.
  • Health benefits; such as from improved air quality, increased physical activity and reduced vector diseases.
  • Climate benefits; such as through reducing CO2 emissions (e.g. a potential of 218 metric tonnes & 808 metric tonnes CO2 reduction from residents cycling and walking to work in Mukuru respectively) and adapting to local climate risks.
  • Economic benefits; such as through protecting assets such as houses and enhancing livelihoods through potential costs savings of up to 80% from switching to LPG from charcoal as cooking fuel.
  • Environmental benefits; such as through lower emissions and improved air quality.

The study of Mukuru also provides several key considerations and recommendations for international, national, local policymakers and NGOs as outlined in Section 4. The key lessons learned from Mukuru are:

  • Integrated Upgrading; Mukuru’s integrated plans and governance structure helped the government understand how a neighbourhood can be transformed using multi-sectoral strategies to foster resilience, rather than a single housing solution.
  • Federated grassroots organisations; Linking grassroots organisations with residents to support each other and share a multiplicity of experiences can make residents feel empowered to undertake improvements in their own settlements.
  • Devolved local government; A democratic and adequately resourced local government can secure national interventions in informal settlements and bridge the gap between national government and grassroots organisations in need of support.

Click here for the full report. 

Announcing #ChangeOurPicture Cell Phone Photography Competition


This is a cellphone photography competition open to anyone who lives in an informal settlement in Africa. When you search for images of slums on social media what do you see? Dirt, despair, desperation? Informal settlements are alive with possibilities and places of great resilience and innovation. To enter and for more information click below!

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