Village Savings and Loans Program

As part of every CC, we help initiate and support a community-led savings and loans (VSL) program through initial start-up capital and financial literacy training to CC members. The purpose of our Village Savings and Loan (VSL) Program is to develop a community-led savings program that enables access to low-burden loans for CC members and addresses the barrier for lack of access to equitable financial capital for community members to rely on to meet their financial capital needs. As a result,  this program enables access to an equitable source of capital for CC members that they can use to develop and diversify their livelihoods and improve their family’s wellbeing.  

Once the VSL fund is operational, CC members can apply for a loan by submitting a proposal describing how they will use the funds and when they will return the capital along with other information. Based on the proposal and its merit, the CC committee on loans holds the authority to approve the loan to the requesting member. As loans are repaid, a small amount of a member’s profit (1-5%) is accrued in the community managed VSL program allowing it to grow and be sustainable in the long-run.

As the cornerstone of every CC and our commitment to community members, we provide a small seed money for each new CCs to establish their VSL program in exchange for their pledge to ensure the management and development of the fund.  Another key enabling factor is that borrowers use the loans or a part thereof in productive purposes that provides the opportunity to improve livelihoods 

We have learned that reducing the short-term opportunity costs of conservation is extremely important to sparking interest in long-term management. VSLs can help facilitate this by (i) providing direct access to short-term incentives, (ii) providing financial security in times of need, and (iii) enhancing collaboration at the community level. Since VSLs depend on group savings and group loans, this financial mechanism can serve as a platform to discuss wider issues, such as conservation area management. Monthly meetings with VSL groups offer important opportunities to discuss issues, enhance collaboration, and build participatory platforms for collective action. As effective community-led conservation often revolves around a common pool resource, these regular gatherings, incentivized through the VSL, are critical for equitable local management.

Livestock farm management plans with anti-predation measures

In Panama, farms are culturally extensive and without good livestock practices. The management plans that Yaguará Panama seeks to support producers in having a better sustainable use of the land, under intensive management so that the paddocks are small (with more small keepers they walk less and feed better, without spending a lot of energy) and the animals are healthy and in better condition. In the case of cows with calves, a corral is prepared to reduce predation, since we know that the most vulnerable animals are the cows with calves.

Anti-predation measures include: electric fences powered by a solar panel, collars with bells for the cows as an auditory and luminous repellent because they have lights that are activated at night.

The plans have a map of current and future use so that the producer can appreciate the changes and is taught to keep track of what is happening on the farm, only in this way will he be able to see how the changes are occurring and at what point he begins to have a real gain in livestock production.

An important change is that now the paddocks have water for the animals to drink; usually they do not and when the cows go to the river they get stuck or are preyed upon by jaguars.

The application of small intensive paddocks with improved pasture makes the animals healthier and stronger.

  • healthier and stronger,
  • when selling the cattle, they receive better economic income,
  • they know when and which cows are pregnant, and this means that they do not lose animals to chicken,
  • less predation by jaguars,
  • less deaths of cows and calves due to clogging in the rivers because they have water in the paddocks. At this point there is confidence to continue working and the producers themselves show their neighbors how they have achieved this.

The lessons learned have been many. The owners of farms in Agua Buena de Chucunaque have been able to see that by managing or moving the animals with small paddocks and having water tubs in them, with improved pasture and keeping records of what happens on the farm, the results are very good.

Now they know that they must see the farm as a small business, only in this way they will be able to see the results of the work they carry out and that it is a dignified work, that well carried out, the family can live much better.

In addition, with the farm management plan they can also opt for loans in the banks of Panama, because now in Panama if someone wants a bank loan for these activities, they require a farm management plan and since they already have it, it is easier for them, they just have to continue advising them.

In addition, they have also learned that it is better to get advice from people who know and this is something that Yaguará Panama will continue to contribute, since the presence of Yaguará Panama in the area will be for a long term.

Outreach with communities in the Agua Buena area of Chucunaque

The first thing we did was to talk to two teachers who own a cattle ranch in Agua Buena de Chucunaque, they are leaders. They told us the history of the site, so that we could understand the dynamics of the area and see if what is happening there has the same pattern as in other places with conflict. Then they supported us in making the call. It is easier to attract people through someone the community respects. On the 14 kilometers of road we always take the windows of the car down and greet people and if they need a ride to the entrance or to the farm we do it, because this creates bonds and trust, because it allows us to talk more with them. The teachers and we went house to house to tell the people at the meeting about the jaguars and other activities. The talk is presented, we give a space for each one of them to express themselves about how they perceive the jaguar and what has been happening in the area, and how they think they could minimize the conflict. After the community has expressed itself, we explain to them what we can do together, then we carry out the training and create stronger links and trust with the communities. Trust is the key to making the project work and it is a step-by-step process.

  1. Create alliances with families and communities,
  2. Advise them to improve their activities,
  3. Maintain constant communication with different members of the community, although there may be a few who lead the process within the community,
  4. Always listen to what they think, besides being respectful of their opinions that, if they are biased by culture and myths, little by little, based on trust, they will understand and change their attitude.

Working with the communities is fundamental, the constancy of our work has borne fruit. We have sought tools that can be understandable and replicable for the community and at the same time is useful for other communities.

Working together helps to get more support (such as the Pathfinder Award). Several members of the community are now multiplier agents and guide their neighbors and other communities. Others have become environmental promoters for jaguar conservation. The community now has scientific information and has learned to manage their activities on the farms.

In Panama they talk about "the tiger kills people", referring to the jaguar. It is a complicated issue in rural areas. It is mentioned in the meetings, trying to make people realize that in Panama no one has been killed by a jaguar. Now they know that we have to respect them and that it is vital for our forests. As I mentioned before, for the project to work in the medium and long term there must be trust between Yaguará and the communities.

Strategic Alliances

Geoversity is conceived as an ecosystem of individuals and organizations collaborating in the creation of biocultural leadership.

The ecosystem is nurtured by real places and conservation communities starting with the Mamoni Valley Reserve.

With the solution we highlight the importance of alliances and collaborations to achieve long-term success in forest conservation and preservation. Dialogue, community participation and the participation of the different actors play a very important role in the realization of the objectives and results.

We carry out and participate in local and international activities with the objective of finding potential candidates to become part of the ecosystem. Once they are part of the ecosystem, responsibilities and commitments are established, which generally turn into program funding, recommendations or probono professional services.

  • The solution is characterized by its innovation in processes and strategies, we currently use 7Vortex for strategy planning.
  • The immersions in nature that we give to our strategic partners help us to show our conservation actions and how nature can be an ally in sustainable business.
  • We have a group of strategic allies from multiple disciplines that collaborate with us in different activities and programs.
  • The digital mapping of the reserve is done with our strategic partner Redlands University.
  • The collaboration or alliance with the Ministry of Environment helps us to maximize the achievement of our objectives, which is why we work together on the Non-Carbon Benefits program typified in the Paris Agreement.
  • The more actors involved in the solution, the easier it is to achieve the objectives and results.
  • Working with international organizations such as Euroclima+, Expertise France and Forests of the World gives recognition and credibility to the solution.
Leadership and Research Management

This management has two components:

  • The Leadership component: aimed at young emerging leaders with a desire to be active agents in the creation of sustainable communities.
  • The research component: aimed at scientists and students who wish to use the Mamoní Valley Reserve as a living laboratory for their scientific research.
  • The leadership component works with calls for young people to participate in the different programs that we develop both in the reserve and in urban forests, and the research component works with collaboration agreements with universities and scientific institutions.

Favorable factors of this BB:

  • Collaboration agreements with: Biomundi (species study), Kaminando (feline studies) and we allow STRI to conduct harlequin frog re-introduction studies.

  • We have the dual "LifeChanger" program of nature immersion but also leadership.

  • We have a land area of 5,000 ha and the annual increase in forest cover is 0.5%.

  • In 2020 we are launching the Biocultural Leadership School, an initiative that seeks to train young environmental leaders.

  • The importance of allowing researchers, students and scientists to carry out their studies in the Mamoní Valley Reserve has an impact not only for them but also for the country and the world. For example, if the Smithsonian Tropical Institute discovers the reason why the fungus affects frogs in one geographic area and not in others, it could be decisive in saving a species.
  • Achieving this combination of youth and mentor is a management strategy that contributes to create that critical mass to form young emerging leaders and protectors of the environment. At the beginning of the solution, a lot of manpower was required to build the structures of what would become the Mamoní Center, collaborators, volunteers and the executive team worked shoulder to shoulder.
  • Creating a center or a conserved area is hard work that requires a lot of commitment and collective work, but harvesting achievements is an incomparable satisfaction.
  • When thinking about acquiring land for conservation you should keep a low profile so that it is not misinterpreted as land grabbing.
Management for the identification of biodiversity and participatory and motivational management for the restoration of Protected Areas.

In addition to the formality and territorial planning related to the Local System of Protected Areas, the municipality, based on environmental management, developed the following components as a highly important strategy:

- Promotion of incentives for community and landowner participation to restore natural protective vegetation that improves ecological connectivity and functionality.

- Awareness-raising and education actions to promote knowledge of the biodiversity of municipal ecosystems and the importance of SILAPE as a strategy to conserve this functionality and strategic ecosystems.

- Identifying the biodiversity of the different groups as fundamental knowledge to take actions for their conservation and encourage participation in conservation and conservation decisions in land use planning.

- Actions to protect endangered fauna in sites of connectivity disruption and vulnerability of highly important fauna species. Includes implementation of aerial wildlife crossings (61 installed).

- The knowledge of local biodiversity based on technological tools that generated videos and clear images made it possible to see the important and abundant biodiversity of species, thus allowing unusual conservation decisions to be made in a territory that is part of a Metropolitan Area with high urban growth.

- The environmental management of the Secretariat of Environment in the different periods of governance has included the issue of Protected Areas as a component of high importance.

- Ecosystem conservation depends on local enthusiasm and identification of the importance of biodiversity and strategic ecosystems.

- Management plans and conservation proposals must be included in land use plans.

- Protected area management should be approached from a regional perspective so that each municipality takes the model and implements it in its own municipality with a logic of connectivity and ecosystem globality.

- The participation of research institutions in the biodiversity identification process and in the formulation of protected area projects is of great importance; it avoids doubts about the importance and certainty of the proposals.

- Community participation motivated by the evidence of biodiversity and the functionality of ecosystems is of great importance to keep alive the enthusiasm for its dissemination and knowledge.

Conservation Management

This solution combines several actions:

  • Preservation and conservation in an integral manner the biota and other natural attributes existing in the Mamoní Valley Reserve, without direct human interference or environmental modifications.
  • Recovery of altered ecosystems and the necessary management actions to recover and preserve the natural balance, biological diversity and ecological processes.
  • Protection and monitoring of the area using SMART equipment, GPS and drones with the help of strategic allies.
  • Collective work is a fundamental principle in this solution since we depend on all the actors to achieve the objectives. Due to this support work we have been able to map the forest cover of the reserve and detect deforestation.
  • We protect 5,000 hectares of biodiverse terrestrial and aquatic ecosystems.
  • The solution is contributing to sequestering 650,000 tons of carbon.
  • The roots of the trees we conserve and protect prevent landslides.
  • The solution protects the headwaters of the Mamoní River, Chepo's main tributary.
  • The solution ensures the protection of the biodiversity of the Tumbes-Chocó-Magdalena ecoregion.
  • The reserve has 14 species of felines (melanistic jaguar), tapir, and the king gallinule, among others, some of which are endangered species.
  1. The good relationship we maintain with the environmental authorities in Panama has given us recognition as a conservation organization and for two consecutive years we have received the Environmental Excellence Awards.
  2. The organization's committed work team has allowed us to achieve many accomplishments both locally and internationally.
  3. Having strategic allies that since 1990 have been helping the organization both financially and professionally has contributed to the development of many of our conservation initiatives and leadership programs.
  4. Environmental education in the communities is crucial as it will allow them to understand the value of forest conservation, develop the link with Mother Earth and perform sustainable actions with the environment.
Agreement 009 whereby the Local System of Protected Areas is adopted and implemented.

The Municipal Council of Envigado adopted Agreement 009 which aims to contribute to the identification, conservation, management and proper management of strategic ecosystems and protected areas in the jurisdiction of the municipality, articulating these actions to departmental, regional and national management scales that strengthen human sustainability through the effective achievement of conservation objectives.

Inclusion of the Local System of Protected Areas in the Land Management Plan in order to promote land uses that favor the protection and conservation of the associated fauna and flora.

Importance of knowledge of the biodiversity of species to value local ecosystems and make it known by different means to promote the interest and ownership of institutions and the community in conservation.

Local conservation is successful when it is based on internal initiatives that integrate institutions and the community and is supported by knowledge, participation and norms that motivate or encourage the protection of ecosystems.

Land use planning and ecosystem conservation strategies should be closely related in order to define congruent conservation projects and decisions that are supported by national norms.

Protected areas as environmental determinants in land use planning.

Protected areas in the urban context become an environmental determinant of land use planning and management, which, as higher-ranking norms, shield these spaces from changes that may be considered in relation to land uses other than the conservation and preservation of biodiversity and depend on political will for their management.

  • They provide guidance to municipal administrations on land use within protected areas, guaranteeing green spaces that help adapt to and mitigate the effects of climate change and respond to the challenges of resilient, sustainable and biodiverse cities.
  • Reduce the occurrence of socio-environmental conflicts around strategic ecosystems in urban areas.
  • They favor the fulfillment of the Sustainable Development Goals and the IAHSI targets of the Strategic Plan of the Convention on Biological Diversity.

The fact that protected areas are environmental determinants of land use planning is the clearest possibility that exists to avoid the alteration, degradation, or disappearance of strategic ecosystems in the urban context, favoring the collective right to a healthy environment, as these cannot be ignored by municipal administrations or by the political will of the moment.

However, it is not enough to incorporate them into the planning tools to position the designation, regulation and administration in order to achieve specific conservation objectives in public policies and to ensure that there is an effective commitment to them. Interinstitutional coordination and articulation are necessary to achieve effective management of protected areas in a scenario particularly dense in conflicts and interests such as the urban landscape.

Strategic relationship for the management of protected areas in the urban context

The relationship between stakeholders (institutional, citizen, academic, and private sector) allows the creation of administration and co-management mechanisms that respond to the needs of the protected area and the effective management within the framework of the execution of the Management Plans contributes to the environmental governance of the protected areas.

  • The optimization of resources and institutional capacities in the implementation of protected area management plans for their effective management.
  • The definition of the roles and competencies of the different stakeholders with respect to the protected areas allows for greater clarity in terms of the instances of action and participation in their management, control and monitoring.
  • It strengthens citizen participation and governmental, community and private inter-institutional alliances.
  • Recognition of the actions, knowledge and initiatives of citizens regarding the conservation and protection of these strategic spaces for the maintenance of biodiversity and the preservation of ecosystem services.
  • Co-management promotes inter-institutional dialogue and the exchange of knowledge to develop a joint construction of the protected areas, which allows for the strengthening of trust among the stakeholders, reaching levels of good governance.
  • The contribution of private enterprise contributes to the sustainability of urban protected areas, while at the same time it is potentially functional to the private sector's environmental responsibility actions.