 Okay, so I'm going to talk on the Gungano-Ebenpoor Fund, the Gungano-Ebenpoor Fund from the Zimbabwe experience. My name is George Massimba. I work with Dialogone Shelter, which is an affiliate of the SDI. The Gungano-Ebenpoor Fund was set up in 1998 by Ebenpoor Collective, which are known as the Zimbabwe Homeless People's Federation. And these are grassroots collectives that are constituted into about 612 collectives at the moment, with a membership totaling about 15,000 households. Mainly the Gungano-Ebenpoor Fund, it was formed as a result of the need to address issues to do with financial exclusion and deepening Ebenpoor that was affecting mainly Ebenpoor communities living in informal settlements or slums. So essentially these communities could not afford finance from your former institutions and also there was rising Ebenpoor in our country. So in order to get around these communities under the Zimbabwe Homeless People's Federation, set up their own fund, which they own and manage. So the fund addresses a number of issues, which include, for example, enabling the Ebenpoor who are living in slums to access housing, livelihoods, undertake income generating loans, enable themselves to access basic services such as water, sanitation, and energy, and other important basic services. So in terms of the key features of the fund or what it aims to do, the fund is, like I said earlier, it's owned and managed by the poor. And also the fund promotes partnerships and collaboration between the Ebenpoor and city governments. And in addition to that, the fund also seeks to establish a financing instrument that is scalable and replicable in terms of providing basic Eben services to the Ebenpoor. And also the manner in which the fund is structured or organized enables the, is such that the fund empowers the Ebenpoor in slums by providing them with affordable loans, and also even by providing them with skills and resources to undertake income generating loans. And to date, the fund is managed to enable or to reach out to close to 15,000 households. And in terms of funding 804,000 US dollars has been mobilized through the Ebenpoor fund. So how is the decision making devolved in terms of the fund? The Ebenpoor fund is anchored on the grassroots collectives that are known as savings groups. So on the basis of these savings groups, the Ebenpoor are able to make decisions in terms of what it is they want to prioritize in their community during their settlement. For example, it could be accessing a communal water point. It could be even construction of a communal sanitation block. So through that mechanisms, the Ebenpoor fund enables decentralized decision making by the Ebenpoor themselves based on what they prioritize based on their needs. Then in addition, the fund is also decision making processes are devolved in the sense that the fund is anchored on savings groups that are women led. So largely 90% of the membership within the Federation is constituted by women. So these are women who are leading these savings groups. And on the basis of that, women make decisions about what it is that they grapple with in their communities. For example, it could be access to water, sanitation, energy issues, etc., all that. It is these women who are leading savings groups in the various parts of the country in formal settlement that then make decisions that direct with the resources from the funds then go to. The fund is also working towards enabling the Ebenpoor in formal settlements to access a land tenure, even build incremental housing and transitional housing. And make incremental improvements in the settlements in relation to provide provision of drainage systems and sanitation. So in terms of decision making, we can say that the Gungan Ebenpoor fund not only creates a financial vehicle that enables communities that are in slums to access services, but also creates a very critical space for communities to make decisions in terms of providing or enabling their settlements access services that are previously not there in these communities. So how and why is the Gungan Ebenpoor fund business unusual? In other words, how are the principles of locally led adaptation reflected in the way in which the fund operates? As I said earlier on, the fund's decision making arrangements are devolved. Communities that are in savings groups in settlements in formal settlements are the ones that sit together make decisions in terms of what it is that they are prioritizing. And based on the needs that they identify, they can then make decisions in terms of whether they are going to construct a communal sanitation block, for example. And in one of the settlements where we are working, communities have been able to construct or develop sanitation units in the form of ecological sanitation toilets, which are your dry toilets that are functioning in areas where communities do not have access to water, but because of such innovations by communities themselves, they are able to access sanitation. Then secondly, the Gungan Ebenpoor fund is also focusing on addressing structural inequalities. That is to say, it has been focusing on the marginalized groups, women, young people, and also even focusing on slums. And as you are aware, slums in many of the instances do not have access to services because they are either not part of the mainstream city or they are considered as illegal. So by having a fund that is focusing on these areas that traditionally would not have access to basic services, the fund is in a way focusing on addressing structural inequalities that affect the Ebenpoor in cities. Then thirdly, the fund also provides flexible and readily and easily accessible finance. So unlike our traditional formal financial institutions, where it would take very long time for people to be able to access finance, assuming they even qualify to access the fund by the fact that it's located in these local communities in these slum settlements. It makes it easier for communities to quickly access resources. For example, in case of a flood, people can easily access resources to quickly develop their drainage systems. Whereas if they were to approach formal institutions, this would take a very protracted period while people suffer from the hazards or shocks associated with some of the climate change issues that affect informal settlements. Then fourthly, the fund has also been key in terms of developing and ensuring structures in communities which are also supported by us as the local NGO that is working with the Federation. So essentially the fund is providing that capacity in communities in terms of how do they manage finance. And that is very important in the sense that it then prepares the communities in terms of even managing the bigger loans that are associated with the infrastructure improvements that can be done in formal settlements. The Gungan-eben poor fund has also been critical in terms of building robust understanding of climate risk and uncertainty in that it has been anchored by processes of collecting data through the enumerations that are done and spearheaded by a savings groups that I talked about earlier. So that provides the information about the real issues that are affecting communities in these informal settlements in terms of the nature of the shocks, the floods, the lake of water, and even strong winds that might destroy some of the shacks that you find in these informal settlements. So there's a lot of information or there's a lot of evidence that is built around how the fund operates in such a way that there's very sufficient and solid data that informs the decision making for the fund in terms of where the resources are directed towards. Then embedded in the way in which the fund operates also. George, please, please wrap up now you have one minute to wrap up so that we don't overrun the session. Thank you. Okay, so embedded in the way in which the fund also works is issues to do with flexible programming and learning through the savings groups that I talked about earlier. Communities have got very critical spaces through which they can reflect and learn on how they can continuously improve and adjust in terms of their priorities for the fund. Then being located at the local level, the fund also has got some transit very key transparent and accountability mechanisms that are anchored or rooted in the savings group that I talked about earlier. Then, lastly, in terms of the collaborative action and investment, the Gungan-eben core fund has been very critical in terms of enabling creating partnerships with city governments, collaborations that have been key in terms of influencing not only maximizing around issues of risk financial resources, but also influencing policies that for a very long time affect communities that are informal settlements. In terms of moving forward, lastly, the key issue is about how do we increase finance based on the experience that these city funds have shown across the world in terms of the SDI affiliates and also improve in terms of making sure that the policy environment enables the poor to be able to bring in these communities that I've talked about. Thank you. Excellent. Thank you so, so much, George. A quick follow-up question. If you are to advise global climate funds and donors, what would you wish to change to shift more climate finance via a funding mechanism like yours? What is very key is for global donors to invest in these structures that have demonstrated capacity in terms of delivering solutions in informal settlements. So these, at least we have done a lot in terms of the experiences from the fund, this is not addressing the magnitude of the challenges that the Ebenpoor are facing in cities. So there is need to augment, provide more resources towards these facilities that have been developed by the Ebenpoor over the years. Thank you. Thank you so much, George. And a quick one again before you go. How is conflict in decision making managed within your, you know, your intervention within your program? Do communities vote by consensus or do they have voting rights? This is a question that was asked for all speakers, but I thought since you're speaking before I let you go, maybe you might answer that for us. How does it work in ZIM? In terms of arriving at consensus, the manner in which decisions are made is through the savings group that are at the local level that I talked about earlier. This is where the decision making process happened. This is where the issues, the challenges that I've been talking about are at. So the fact that these are communities that are meeting regular on a routine basis, that element or that mechanisms also helps in terms of generating consensus around priorities. We do want a communal water point, for example. We want a water spill sanitation facility here in our settlement. So working together enables or builds the needed social cohesion that helps generating much needed consensus around the priorities for the fund. Thank you.