{"id":40495,"date":"2025-07-03T23:09:30","date_gmt":"2025-07-03T21:09:30","guid":{"rendered":"https:\/\/www.morija.org\/programme\/sparen-fuer-die-veraenderung\/"},"modified":"2026-01-08T22:35:12","modified_gmt":"2026-01-08T21:35:12","slug":"sparen-fuer-die-veraenderung","status":"publish","type":"programme","link":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/","title":{"rendered":"Sparen f\u00fcr die Ver\u00e4nderung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"40495\" class=\"elementor elementor-40495 elementor-35255\" data-elementor-post-type=\"programme\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c0377d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c0377d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-042df8a\" data-id=\"042df8a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55a1cc3 elementor-widget__width-initial animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"55a1cc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-family: 'Poppins', sans-serif; font-size: 22px;\"><span style=\"color: #ffffff;\">Programm f\u00fcr l\u00e4ndliche Entwicklung<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ce197 elementor-widget__width-initial animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"e9ce197\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1 style=\"font-family: 'Poppins', sans-serif; font-weight: 800;\"><span style=\"color: #ffffff;\">Frauen st\u00e4rken, Gemeinschaften transformieren<\/span><\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-79c63b8\" data-id=\"79c63b8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9006a00 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-image\" data-id=\"9006a00\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/header-programme-epargner-changement-DSC00877.jpg\" title=\"header-programme-epargner-changement-DSC00877\" alt=\"header-programme-epargner-changement-DSC00877\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-624bcbd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"624bcbd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7aec8b2\" data-id=\"7aec8b2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-319a3cb elementor-widget elementor-widget-image\" data-id=\"319a3cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"525\" height=\"525\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/developpement-rural-icon.svg\" class=\"attachment-large size-large wp-image-33026\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41dd68b elementor-widget elementor-widget-chartio_hero_title\" data-id=\"41dd68b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"chartio_hero_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\r\n                \r\n        <div class=\"sec-title_two chartio-sec-title\">\r\n                        <h2 class=\"sec-title__title sec-title_two-heading tx-split-text split-in-right\">Programm <br>\u00ab&nbsp;Sparen f\u00fcr die Ver\u00e4nderung&nbsp;\u00bb<\/h2>\r\n            <div class=\"sec-title_two-text tx-split-text split-in-right\"><\/div>\r\n        <\/div>\r\n        \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce3a1de elementor-widget elementor-widget-text-editor\" data-id=\"ce3a1de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In den l\u00e4ndlichen Gebieten des Tschad (Koumra und Bessada) und Burkina Fasos (Godyr) leben Tausende von Frauen in gro\u00dfer Unsicherheit. Geringer Zugang zu Finanzdienstleistungen, begrenzte Einkommen, wirtschaftliche Abh\u00e4ngigkeit und soziale Verwundbarkeiten pr\u00e4gen ihren Alltag. <\/p><p>Um dieser Situation zu begegnen, f\u00fchrt Morija das Programm Sparen f\u00fcr die Ver\u00e4nderung (SFV) durch, ein einfacher und effektiver Ansatz:<\/p><p><em>\u2022 <\/em>Gemeinschaftsspargruppen werden von den Frauen selbst gegr\u00fcndet und geleitet.<br><em>\u2022 <\/em>Jede tr\u00e4gt regelm\u00e4\u00dfig zu einer gemeinsamen Kasse bei.<br><em>\u2022 <\/em>Die angesparten Gelder erm\u00f6glichen es dann, interne Mikrokredite zur Entwicklung einkommensschaffender Aktivit\u00e4ten zu vergeben.<br><em>\u2022 <\/em>Am Ende des Zyklus erh\u00e4lt jede Frau ihre Ersparnisse zuz\u00fcglich Gewinnen zur\u00fcck.<\/p><p>\u00dcber die Finanzen hinaus ist das SFV-Programm auch ein Hebel zur Emanzipation. Die Teilnehmerinnen erwerben neue F\u00e4higkeiten, st\u00e4rken ihre Autonomie und gewinnen eine st\u00e4rkere Position in der Gesellschaft. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-facc10e\" data-id=\"facc10e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e54245a elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"e54245a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;vertical&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-vertical e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-e54245a\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40674\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/ernaehrung\/\" class=\"elementor-item\">Ern\u00e4hrung<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40673\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/wasser-sanitaerversorgung-hygiene\/\" class=\"elementor-item\">Wasser, Sanit\u00e4rversorgung, Hygiene<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40672\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/gesundheit\/\" class=\"elementor-item\">Gesundheit<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40671\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/bildung\/\" class=\"elementor-item\">Bildung<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40670\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/laendliche-entwicklung\/\" class=\"elementor-item\">L\u00e4ndliche Entwicklung<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40669\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/humanitaere-hilfe\/\" class=\"elementor-item\">Humanit\u00e4re Hilfe<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Men\u00fc Umschalter\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-e54245a\" class=\"elementor-nav-menu sm-vertical\"><li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40674\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/ernaehrung\/\" class=\"elementor-item\" tabindex=\"-1\">Ern\u00e4hrung<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40673\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/wasser-sanitaerversorgung-hygiene\/\" class=\"elementor-item\" tabindex=\"-1\">Wasser, Sanit\u00e4rversorgung, Hygiene<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40672\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/gesundheit\/\" class=\"elementor-item\" tabindex=\"-1\">Gesundheit<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40671\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/bildung\/\" class=\"elementor-item\" tabindex=\"-1\">Bildung<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40670\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/laendliche-entwicklung\/\" class=\"elementor-item\" tabindex=\"-1\">L\u00e4ndliche Entwicklung<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-secteur menu-item-40669\"><a href=\"https:\/\/www.morija.org\/de\/bereich\/humanitaere-hilfe\/\" class=\"elementor-item\" tabindex=\"-1\">Humanit\u00e4re Hilfe<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b65d992 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b65d992\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5075847\" data-id=\"5075847\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7660d27 elementor-widget elementor-widget-text-editor\" data-id=\"7660d27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>  In Burkina Faso (Kandarzana, Godyr)<\/strong><\/p><p>In dieser l\u00e4ndlichen Gemeinde leben 40 % der Bev\u00f6lkerung unterhalb der Armutsgrenze. Frauen verf\u00fcgen \u00fcber sehr geringe Jahreseinkommen (durchschnittlich 62 \u20ac) und haben begrenzten Zugang zu Krediten. SFV bietet eine nachhaltige L\u00f6sung zur Strukturierung der Ersparnisse, zur Finanzierung einkommensschaffender Aktivit\u00e4ten und zur St\u00e4rkung der Rolle der Frauen in der Zivilgesellschaft.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dba30ff elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"dba30ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"map_wrapper\" id=\"map_wrapper_38397\">\n<div class=\"map_box\" style=\"max-width:2000px\">\n<div class=\"map_aspect_ratio\" style=\"padding-top:56%\" data-padding-top=\"56%\" data-padding-top-mobile=\"0%\">\n<div class=\"map_container\">\n<div class=\"map_render map_loading\" id=\"map_38397\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c42fe85\" data-id=\"c42fe85\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72b8d40 elementor-widget elementor-widget-text-editor\" data-id=\"72b8d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Im Tschad (Koumra und Bessada)<\/strong><\/p><p>Die Region Mandoul ist abgelegen und arm, mit begrenztem Zugang zu Finanzdienstleistungen. Frauen betreiben haupts\u00e4chlich Subsistenzwirtschaft und kleine informelle Gesch\u00e4fte. SFV stellt f\u00fcr sie eine konkrete und sichere Alternative dar, angesichts des Mangels an zuverl\u00e4ssiger Mikrofinanzierung.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e21d5 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"18e21d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"map_wrapper\" id=\"map_wrapper_38398\">\n<div class=\"map_box\" style=\"max-width:2000px\">\n<div class=\"map_aspect_ratio\" style=\"padding-top:56%\" data-padding-top=\"56%\" data-padding-top-mobile=\"0%\">\n<div class=\"map_container\">\n<div class=\"map_render map_loading\" id=\"map_38398\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e142880 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e142880\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4385e13\" data-id=\"4385e13\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32d6a72 elementor-widget elementor-widget-image\" data-id=\"32d6a72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"525\" height=\"525\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/logo-morija-inscription.svg\" class=\"attachment-large size-large wp-image-34721\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bf07c79\" data-id=\"bf07c79\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e6cf66 elementor-widget elementor-widget-text-editor\" data-id=\"6e6cf66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>Ergebnisse 2024:<\/strong><\/p><ul><li style=\"text-align: left;\">Direkte Beg\u00fcnstigte: <b>6.450 Landfrauen<\/b> im Tschad (Koumra, Bessada) und Burkina Faso (Godyr) nahmen 2024 an der Schulung teil.<\/li><li style=\"text-align: left;\">13.502 Kredite wurden vergeben.<\/li><li style=\"text-align: left;\">Indirekte Beg\u00fcnstigte: <b>38.700 Personen<\/b>, haupts\u00e4chlich die Familien der Teilnehmerinnen, die von einer Verbesserung der Ern\u00e4hrung, des Zugangs zu Gesundheitsversorgung und der Schulbildung der Kinder profitieren.<\/li><li style=\"text-align: left;\">Die SFV-Gruppen erwirtschaften <strong>im Durchschnitt 30 bis 40 % Rendite auf die angesparten Betr\u00e4ge<\/strong>.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-98469ba e-flex e-con-boxed e-con e-parent\" data-id=\"98469ba\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64fe72a elementor-widget elementor-widget-chartio_hero_title\" data-id=\"64fe72a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"chartio_hero_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\r\n                \r\n        <div class=\"sec-title_two chartio-sec-title\">\r\n                        <div class=\"sec-title__tagline sec-title_two-title tx-split-text split-in-right\">Unsere Aktivit\u00e4ten auf einen Blick<\/div>\r\n                        <h2 class=\"sec-title__title sec-title_two-heading tx-split-text split-in-right\">Sparen als Chance f\u00fcr Familien und Gemeinschaften\n<\/h2>\r\n            <div class=\"sec-title_two-text tx-split-text split-in-right\"><\/div>\r\n        <\/div>\r\n        \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-818ebef elementor-widget elementor-widget-text-editor\" data-id=\"818ebef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>In Frauen zu investieren bedeutet, in die gesamte Gemeinschaft zu investieren: F<\/strong>rauen reinvestieren <b>90 %<\/b> ihrer Eink\u00fcnfte in ihre Familie und ihre Gemeinschaft.<\/p><p style=\"text-align: center;\">Die St\u00e4rkung der Frauen f\u00f6rdert eine bessere Bildung der Kinder, eine ausgewogenere Ern\u00e4hrung und einen verbesserten Zugang zur Gesundheitsversorgung.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a4b66d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a4b66d5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2b9e2cb\" data-id=\"2b9e2cb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d20742 elementor-widget elementor-widget-text-editor\" data-id=\"9d20742\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: right;\"><strong>Schulung und Begleitung von Spargruppen<\/strong><\/p><p style=\"text-align: right;\">Von Morija geschulte Moderatoren bilden Gruppen von 15 bis 30 Frauen. Gemeinsam legen sie ihre Regeln fest, sparen regelm\u00e4\u00dfig und vergeben interne Kredite. Dieser Ansatz st\u00e4rkt Solidarit\u00e4t, Disziplin und lokale Governance.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-98d87a5\" data-id=\"98d87a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3823ae1 elementor-widget elementor-widget-image\" data-id=\"3823ae1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"525\" height=\"525\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/morija-illustration-equipe-collaboration.svg\" class=\"elementor-animation-grow attachment-large size-large wp-image-32938\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0423241 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0423241\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c9399d3\" data-id=\"c9399d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb4a98e elementor-widget elementor-widget-image\" data-id=\"bb4a98e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"525\" height=\"525\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/morija-illustration-personnage-actif.svg\" class=\"elementor-animation-grow attachment-large size-large wp-image-32952\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-135ff8c\" data-id=\"135ff8c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d11406 elementor-widget elementor-widget-text-editor\" data-id=\"9d11406\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>F\u00f6rderung des weiblichen Unternehmertums<\/strong><\/p><p style=\"text-align: left;\">W\u00e4hrend des gesamten Prozesses erhalten die Frauen Schulungen in Management, Unternehmertum und einkommensschaffenden Aktivit\u00e4ten (Handel, Handwerk, Gem\u00fcseanbau, Gefl\u00fcgelzucht&#8230;). Sie erwerben die notwendigen F\u00e4higkeiten, um kleine, tragf\u00e4hige und rentable Projekte zu entwickeln. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32597f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32597f0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9af3c3d\" data-id=\"9af3c3d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-96d90c7 elementor-widget elementor-widget-text-editor\" data-id=\"96d90c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: right;\"><strong>St\u00e4rkung der Autonomie und des sozialen Zusammenhalts<\/strong><\/p><p style=\"text-align: right;\">Die SFV-Gruppen werden zu echten R\u00e4umen der gegenseitigen Unterst\u00fctzung. Die Frauen ermutigen sich gegenseitig, tauschen Erfahrungen aus und organisieren sich, um eine bessere Lebensqualit\u00e4t f\u00fcr ihre Familien zu schaffen. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-85724d1\" data-id=\"85724d1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f59207c elementor-widget elementor-widget-image\" data-id=\"f59207c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"525\" height=\"525\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/morija-illustration-mains-croisees-partenariat.svg\" class=\"elementor-animation-grow attachment-large size-large wp-image-32910\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-6a655d3 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6a655d3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a33dcac elementor-widget elementor-widget-chartio_hero_title\" data-id=\"a33dcac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"chartio_hero_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\r\n                \r\n        <div class=\"sec-title_two chartio-sec-title\">\r\n                        <div class=\"sec-title__tagline sec-title_two-title tx-split-text split-in-right\">Acteurs du changement<\/div>\r\n                        <h2 class=\"sec-title__title sec-title_two-heading tx-split-text split-in-right\">t\u00e9moignage<\/h2>\r\n            <div class=\"sec-title_two-text tx-split-text split-in-right\"><\/div>\r\n        <\/div>\r\n        \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1863a0e elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1863a0e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-edd70c7\" data-id=\"edd70c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03e3b3e elementor-widget elementor-widget-image\" data-id=\"03e3b3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"525\" height=\"637\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/Portrait-Francois-Kpami-844x1024.jpg\" class=\"attachment-large size-large wp-image-34274\" alt=\"\" srcset=\"https:\/\/www.morija.org\/wp-content\/uploads\/Portrait-Francois-Kpami-844x1024.jpg 844w, https:\/\/www.morija.org\/wp-content\/uploads\/Portrait-Francois-Kpami-247x300.jpg 247w, https:\/\/www.morija.org\/wp-content\/uploads\/Portrait-Francois-Kpami-768x932.jpg 768w, https:\/\/www.morija.org\/wp-content\/uploads\/Portrait-Francois-Kpami-600x728.jpg 600w, https:\/\/www.morija.org\/wp-content\/uploads\/Portrait-Francois-Kpami.jpg 865w\" sizes=\"(max-width: 525px) 100vw, 525px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a1507e9\" data-id=\"a1507e9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5b880a elementor-widget elementor-widget-text-editor\" data-id=\"f5b880a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\"><strong>Direktor des Medizinisch-Chirurgischen Zentrums in Kaya seit 2018, Fran\u00e7ois Kpami &#8230;<\/strong><\/p><p style=\"text-align: left;\">ddd<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-578bdf1 e-flex e-con-boxed e-con e-parent\" data-id=\"578bdf1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1315ce5 elementor-widget elementor-widget-chartio_hero_title\" data-id=\"1315ce5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"chartio_hero_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\r\n                \r\n        <div class=\"sec-title_two chartio-sec-title\">\r\n                        <div class=\"sec-title__tagline sec-title_two-title tx-split-text split-in-right\">Eindr\u00fccke in Bildern<\/div>\r\n                        <h2 class=\"sec-title__title sec-title_two-heading tx-split-text split-in-right\">Fotogalerie<\/h2>\r\n            <div class=\"sec-title_two-text tx-split-text split-in-right\"><\/div>\r\n        <\/div>\r\n        \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f575d1a elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"f575d1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;3&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carrousel d\u2019images\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4MzUsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtMV8xZjYwYmI0Zi5qcGciLCJzbGlkZXNob3ciOiJmNTc1ZDFhIn0%3D\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-1_1f60bb4f.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-1_1f60bb4f.jpg\" alt=\"galerie-programme-epc-epargner-changement-1_1f60bb4f\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4MzksInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtMi0xMDAwMDMzMDM2LmpwZyIsInNsaWRlc2hvdyI6ImY1NzVkMWEifQ%3D%3D\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-2-1000033036.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-2-1000033036.jpg\" alt=\"galerie-programme-epc-epargner-changement-2-1000033036\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NDcsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtMy0yMDI0MDQxOF8wNzQxMDEuanBnIiwic2xpZGVzaG93IjoiZjU3NWQxYSJ9\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-3-20240418_074101.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-3-20240418_074101.jpg\" alt=\"galerie-programme-epc-epargner-changement-3-20240418_074101\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NDMsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtNjRmYTQyOGIuanBnIiwic2xpZGVzaG93IjoiZjU3NWQxYSJ9\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-64fa428b.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-64fa428b.jpg\" alt=\"galerie-programme-epc-epargner-changement-64fa428b\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NTEsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtMjAyNDA0MThfMDczOTQzLmpwZyIsInNsaWRlc2hvdyI6ImY1NzVkMWEifQ%3D%3D\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-20240418_073943.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-20240418_073943.jpg\" alt=\"galerie-programme-epc-epargner-changement-20240418_073943\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NTUsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtMjAyNDA0MThfMDc0MzAxLmpwZyIsInNsaWRlc2hvdyI6ImY1NzVkMWEifQ%3D%3D\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-20240418_074301.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-20240418_074301.jpg\" alt=\"galerie-programme-epc-epargner-changement-20240418_074301\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NTksInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtMjAyNDA0MThfMDc0NDA4LmpwZyIsInNsaWRlc2hvdyI6ImY1NzVkMWEifQ%3D%3D\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-20240418_074408.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-20240418_074408.jpg\" alt=\"galerie-programme-epc-epargner-changement-20240418_074408\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NjMsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtMTAwMDAzNDk1OC5qcGciLCJzbGlkZXNob3ciOiJmNTc1ZDFhIn0%3D\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-1000034958.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-1000034958.jpg\" alt=\"galerie-programme-epc-epargner-changement-1000034958\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NjcsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtZWQ1NGNmMzIuanBnIiwic2xpZGVzaG93IjoiZjU3NWQxYSJ9\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-ed54cf32.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-ed54cf32.jpg\" alt=\"galerie-programme-epc-epargner-changement-ed54cf32\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NzEsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtRFNDMDYwMjYuanBnIiwic2xpZGVzaG93IjoiZjU3NWQxYSJ9\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-DSC06026.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-DSC06026.jpg\" alt=\"galerie-programme-epc-epargner-changement-DSC06026\" \/><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"11 von 11\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"f575d1a\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MzY4NzUsInVybCI6Imh0dHBzOlwvXC93d3cubW9yaWphLm9yZ1wvd3AtY29udGVudFwvdXBsb2Fkc1wvZ2FsZXJpZS1wcm9ncmFtbWUtZXBjLWVwYXJnbmVyLWNoYW5nZW1lbnQtZjEwYWVhMWIuanBnIiwic2xpZGVzaG93IjoiZjU3NWQxYSJ9\" href=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-f10aea1b.jpg\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/galerie-programme-epc-epargner-changement-f10aea1b.jpg\" alt=\"galerie-programme-epc-epargner-changement-f10aea1b\" \/><\/figure><\/a><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3cb52c2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3cb52c2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10198e6\" data-id=\"10198e6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6de4d08 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6de4d08\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3566989\" data-id=\"3566989\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03683cb elementor-widget elementor-widget-chartio_hero_title\" data-id=\"03683cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"chartio_hero_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\r\n                \r\n        <div class=\"sec-title_two chartio-sec-title\">\r\n                        <div class=\"sec-title__tagline sec-title_two-title tx-split-text split-in-right\">Neuigkeiten<\/div>\r\n                        <h2 class=\"sec-title__title sec-title_two-heading tx-split-text split-in-right\">Unsere Arbeit im Bereich L\u00e4ndliche Entwicklung<\/h2>\r\n            <div class=\"sec-title_two-text tx-split-text split-in-right\"><\/div>\r\n        <\/div>\r\n        \r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f19509 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f19509\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8b364fe\" data-id=\"8b364fe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba5b0c9 elementor-widget elementor-widget-chartio_blog_grid\" data-id=\"ba5b0c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;btn_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;0&quot;,&quot;right&quot;:&quot;0&quot;,&quot;bottom&quot;:&quot;0&quot;,&quot;left&quot;:&quot;0&quot;,&quot;isLinked&quot;:false},&quot;btn_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;btn_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\" data-widget_type=\"chartio_blog_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\r\n    \t\t\t\r\n        <div class=\"row clearfix\">\r\n\t\t\t            <!-- News Block Six -->\r\n            <div class=\"news-block_six col-lg-4 col-md-6 col-sm-12\">\r\n                <div class=\"news-block_six-inner wow fadeInLeft\" data-wow-delay=\"0ms\" data-wow-duration=\"1500ms\">\r\n                    <div class=\"news-block_six-image\">\r\n                        <a href=\"https:\/\/www.morija.org\/de\/frauenspargruppen-leben-und-dorf-zu-veraendern\/\"><img loading=\"lazy\" decoding=\"async\" width=\"595\" height=\"335\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/blog-header-2026-01-epargne-ensemble-impact-communautaire-595x335.jpg\" class=\"attachment-chartio_595x335 size-chartio_595x335 wp-post-image\" alt=\"\" \/><\/a>\r\n                    <\/div>\r\n                    <div class=\"news-block_six-lower\">\r\n                        <div class=\"news-block_six-content\">\r\n                                                        <div class=\"news-block_six-date\">29 <span>Jan.<\/span><\/div>\r\n                                                        <h4 class=\"news-block_six-heading\"><a href=\"https:\/\/www.morija.org\/de\/frauenspargruppen-leben-und-dorf-zu-veraendern\/\">Frauenspargruppen, die ihr Leben und ihr Dorf zu ver\u00e4ndern<\/a><\/h4>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n                        <!-- News Block Six -->\r\n            <div class=\"news-block_six col-lg-4 col-md-6 col-sm-12\">\r\n                <div class=\"news-block_six-inner wow fadeInLeft\" data-wow-delay=\"0ms\" data-wow-duration=\"1500ms\">\r\n                    <div class=\"news-block_six-image\">\r\n                        <a href=\"https:\/\/www.morija.org\/de\/anje-frauen-zukunft-ihrer-kinder\/\"><img loading=\"lazy\" decoding=\"async\" width=\"595\" height=\"335\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/blog-header-2025-11_ANJE-595x335.jpg\" class=\"attachment-chartio_595x335 size-chartio_595x335 wp-post-image\" alt=\"\" \/><\/a>\r\n                    <\/div>\r\n                    <div class=\"news-block_six-lower\">\r\n                        <div class=\"news-block_six-content\">\r\n                                                        <div class=\"news-block_six-date\">17 <span>Nov.<\/span><\/div>\r\n                                                        <h4 class=\"news-block_six-heading\"><a href=\"https:\/\/www.morija.org\/de\/anje-frauen-zukunft-ihrer-kinder\/\">ANJE: Wenn die Frauen die Zukunft ihrer Kinder selbst in die Hand nehmen<\/a><\/h4>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n                        <!-- News Block Six -->\r\n            <div class=\"news-block_six col-lg-4 col-md-6 col-sm-12\">\r\n                <div class=\"news-block_six-inner wow fadeInLeft\" data-wow-delay=\"0ms\" data-wow-duration=\"1500ms\">\r\n                    <div class=\"news-block_six-image\">\r\n                        <a href=\"https:\/\/www.morija.org\/de\/laendliche-entwicklung-klima-in-not\/\"><img loading=\"lazy\" decoding=\"async\" width=\"595\" height=\"335\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/blog-header-2025-07-Urgence-climatique-sahel-595x335.jpg\" class=\"attachment-chartio_595x335 size-chartio_595x335 wp-post-image\" alt=\"\" \/><\/a>\r\n                    <\/div>\r\n                    <div class=\"news-block_six-lower\">\r\n                        <div class=\"news-block_six-content\">\r\n                                                        <div class=\"news-block_six-date\">22 <span>Juli<\/span><\/div>\r\n                                                        <h4 class=\"news-block_six-heading\"><a href=\"https:\/\/www.morija.org\/de\/laendliche-entwicklung-klima-in-not\/\">L\u00e4ndliche Entwicklung: Klima in Not?<\/a><\/h4>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            \t\t<\/div>\r\n        \r\n\t\t    \r\n      \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5aa0f4d elementor-widget elementor-widget-chartio_button\" data-id=\"5aa0f4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;btn_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;6&quot;,&quot;right&quot;:&quot;10&quot;,&quot;bottom&quot;:&quot;4&quot;,&quot;left&quot;:&quot;10&quot;,&quot;isLinked&quot;:false},&quot;btn_margin&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;0&quot;,&quot;right&quot;:&quot;0&quot;,&quot;bottom&quot;:&quot;0&quot;,&quot;left&quot;:&quot;0&quot;,&quot;isLinked&quot;:true},&quot;btn_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;btn_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;btn_margin_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;btn_margin_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\" data-widget_type=\"chartio_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\t\t\r\n                <div class=\"org-one_button yt-btn\">\r\n                        <a href=\"\/de\/blog\/\" class=\"thm-btn theme-btn btn-style-three\">\r\n                <span class=\"btn-wrap\">\r\n                    <span class=\"text-one\">Weitere Neuigkeiten <i class=\"fas fa-arrow-right fa-fw\"><\/i><\/span>\r\n                    <span class=\"text-two\">Weitere Neuigkeiten <i class=\"fas fa-arrow-right fa-fw\"><\/i><\/span>\r\n                <\/span>\r\n            <\/a>\r\n        <\/div>\r\n        \t\t\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ca01985 elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca01985\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ce7b50b\" data-id=\"ce7b50b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf80fd7 elementor-widget elementor-widget-chartio_blog_grid\" data-id=\"bf80fd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;btn_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;btn_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;btn_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\" data-widget_type=\"chartio_blog_grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    \t\r\n    \t        \r\n        <!-- News Four -->\r\n        <section class=\"news-four p-0 m-0\">               \r\n            <div class=\"row clearfix\">\r\n                                <!-- News Block Four -->\r\n                <div class=\"news-block_four col-lg-4 col-md-6 col-sm-12\">\r\n                    <div class=\"news-block_four-inner\">\r\n                        <div class=\"news-block_four-image\">\r\n                            <a href=\"https:\/\/www.morija.org\/de\/frauenspargruppen-leben-und-dorf-zu-veraendern\/\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"284\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/blog-header-2026-01-epargne-ensemble-impact-communautaire-390x284.jpg\" class=\"attachment-chartio_390x284 size-chartio_390x284 wp-post-image\" alt=\"\" \/><\/a>\r\n                        <\/div>\r\n                        <div class=\"news-block_four-content\">\r\n                            <div class=\"news-block_four-upper\">\r\n                                <div class=\"d-flex justify-content-between align-items-center flex-wrap\">\r\n                                                                        <div class=\"news-block_four-date\">29. Januar 2026<\/div>\r\n                                                                        <div class=\"news-block_four-button\">\r\n                                        <a href=\"https:\/\/www.morija.org\/de\/frauenspargruppen-leben-und-dorf-zu-veraendern\/\" class=\"theme-btn btn-style-four\">\r\n                                            <span class=\"btn-wrap\">\r\n                                                <span class=\"text-one\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t                                                        Lire l'article                                                                                                        <i class=\"fas fa-arrow-right fa-fw\"><\/i>\r\n                                                <\/span>\r\n                                                <span class=\"text-two\">\r\n                                                                                                            Lire l'article                                                                                                        <i class=\"fas fa-arrow-right fa-fw\"><\/i>\r\n                                                <\/span>\r\n                                            <\/span>\r\n                                        <\/a>\r\n                                    <\/div>\r\n                                <\/div>\r\n                            <\/div>\r\n                            <h4 class=\"news-block_four-heading\"><a href=\"https:\/\/www.morija.org\/de\/frauenspargruppen-leben-und-dorf-zu-veraendern\/\">Frauenspargruppen, die ihr Leben und ihr Dorf zu ver\u00e4ndern<\/a><\/h4>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                                <!-- News Block Four -->\r\n                <div class=\"news-block_four col-lg-4 col-md-6 col-sm-12\">\r\n                    <div class=\"news-block_four-inner\">\r\n                        <div class=\"news-block_four-image\">\r\n                            <a href=\"https:\/\/www.morija.org\/de\/anje-frauen-zukunft-ihrer-kinder\/\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"284\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/blog-header-2025-11_ANJE-390x284.jpg\" class=\"attachment-chartio_390x284 size-chartio_390x284 wp-post-image\" alt=\"\" \/><\/a>\r\n                        <\/div>\r\n                        <div class=\"news-block_four-content\">\r\n                            <div class=\"news-block_four-upper\">\r\n                                <div class=\"d-flex justify-content-between align-items-center flex-wrap\">\r\n                                                                        <div class=\"news-block_four-date\">17. November 2025<\/div>\r\n                                                                        <div class=\"news-block_four-button\">\r\n                                        <a href=\"https:\/\/www.morija.org\/de\/anje-frauen-zukunft-ihrer-kinder\/\" class=\"theme-btn btn-style-four\">\r\n                                            <span class=\"btn-wrap\">\r\n                                                <span class=\"text-one\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t                                                        Lire l'article                                                                                                        <i class=\"fas fa-arrow-right fa-fw\"><\/i>\r\n                                                <\/span>\r\n                                                <span class=\"text-two\">\r\n                                                                                                            Lire l'article                                                                                                        <i class=\"fas fa-arrow-right fa-fw\"><\/i>\r\n                                                <\/span>\r\n                                            <\/span>\r\n                                        <\/a>\r\n                                    <\/div>\r\n                                <\/div>\r\n                            <\/div>\r\n                            <h4 class=\"news-block_four-heading\"><a href=\"https:\/\/www.morija.org\/de\/anje-frauen-zukunft-ihrer-kinder\/\">ANJE: Wenn die Frauen die Zukunft ihrer Kinder selbst in die Hand nehmen<\/a><\/h4>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                                <!-- News Block Four -->\r\n                <div class=\"news-block_four col-lg-4 col-md-6 col-sm-12\">\r\n                    <div class=\"news-block_four-inner\">\r\n                        <div class=\"news-block_four-image\">\r\n                            <a href=\"https:\/\/www.morija.org\/de\/laendliche-entwicklung-klima-in-not\/\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"284\" src=\"https:\/\/www.morija.org\/wp-content\/uploads\/blog-header-2025-07-Urgence-climatique-sahel-390x284.jpg\" class=\"attachment-chartio_390x284 size-chartio_390x284 wp-post-image\" alt=\"\" \/><\/a>\r\n                        <\/div>\r\n                        <div class=\"news-block_four-content\">\r\n                            <div class=\"news-block_four-upper\">\r\n                                <div class=\"d-flex justify-content-between align-items-center flex-wrap\">\r\n                                                                        <div class=\"news-block_four-date\">22. Juli 2025<\/div>\r\n                                                                        <div class=\"news-block_four-button\">\r\n                                        <a href=\"https:\/\/www.morija.org\/de\/laendliche-entwicklung-klima-in-not\/\" class=\"theme-btn btn-style-four\">\r\n                                            <span class=\"btn-wrap\">\r\n                                                <span class=\"text-one\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t                                                        Lire l'article                                                                                                        <i class=\"fas fa-arrow-right fa-fw\"><\/i>\r\n                                                <\/span>\r\n                                                <span class=\"text-two\">\r\n                                                                                                            Lire l'article                                                                                                        <i class=\"fas fa-arrow-right fa-fw\"><\/i>\r\n                                                <\/span>\r\n                                            <\/span>\r\n                                        <\/a>\r\n                                    <\/div>\r\n                                <\/div>\r\n                            <\/div>\r\n                            <h4 class=\"news-block_four-heading\"><a href=\"https:\/\/www.morija.org\/de\/laendliche-entwicklung-klima-in-not\/\">L\u00e4ndliche Entwicklung: Klima in Not?<\/a><\/h4>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                    \r\n            <\/div>\r\n\t\t\t         \r\n        <\/section>\r\n        <!-- End News Four -->\r\n        \r\n\t\t    \r\n      \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Dank Gemeinschaftsspargruppen und praktischen Schulungen entwickeln Tausende von Frauen ihre Aktivit\u00e4ten, verbessern ihr Einkommen und werden zu Akteurinnen des Wandels in ihren Gemeinschaften.<\/p>\n","protected":false},"featured_media":35264,"template":"elementor_header_footer","categories":[24,115],"tags":[],"class_list":["post-40495","programme","type-programme","status-publish","has-post-thumbnail","hentry","category-developpement-rural","category-landliche-entwicklung"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sparen f\u00fcr die Ver\u00e4nderung - Morija<\/title>\n<meta name=\"description\" content=\"Sparen f\u00fcr die Ver\u00e4nderung: ein Programm von Morija in Tschad und Burkina Faso, um Frauen zur Unabh\u00e4ngigkeit zu helfen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sparen f\u00fcr die Ver\u00e4nderung - Morija\" \/>\n<meta property=\"og:description\" content=\"Sparen f\u00fcr die Ver\u00e4nderung: ein Programm von Morija in Tschad und Burkina Faso, um Frauen zur Unabh\u00e4ngigkeit zu helfen.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/\" \/>\n<meta property=\"og:site_name\" content=\"Morija\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-08T21:35:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.morija.org\/wp-content\/uploads\/header-programme-epargner-changement-DSC00877.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data1\" content=\"8\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/\",\"url\":\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/\",\"name\":\"Sparen f\u00fcr die Ver\u00e4nderung - Morija\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.morija.org\\\/wp-content\\\/uploads\\\/header-programme-epargner-changement-DSC00877.jpg\",\"datePublished\":\"2025-07-03T21:09:30+00:00\",\"dateModified\":\"2026-01-08T21:35:12+00:00\",\"description\":\"Sparen f\u00fcr die Ver\u00e4nderung: ein Programm von Morija in Tschad und Burkina Faso, um Frauen zur Unabh\u00e4ngigkeit zu helfen.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/#breadcrumb\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"de\",\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.morija.org\\\/wp-content\\\/uploads\\\/header-programme-epargner-changement-DSC00877.jpg\",\"contentUrl\":\"https:\\\/\\\/www.morija.org\\\/wp-content\\\/uploads\\\/header-programme-epargner-changement-DSC00877.jpg\",\"width\":800,\"height\":696},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/programm\\\/sparen-fuer-die-veraenderung\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.morija.org\\\/de\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Sparen f\u00fcr die Ver\u00e4nderung\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/#website\",\"url\":\"https:\\\/\\\/www.morija.org\\\/de\\\/\",\"name\":\"Morija\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.morija.org\\\/de\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/#organization\",\"name\":\"Morija\",\"url\":\"https:\\\/\\\/www.morija.org\\\/de\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"de\",\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.morija.org\\\/wp-content\\\/uploads\\\/MorijaA3-150-82.png\",\"contentUrl\":\"https:\\\/\\\/www.morija.org\\\/wp-content\\\/uploads\\\/MorijaA3-150-82.png\",\"width\":152,\"height\":82,\"caption\":\"Morija\"},\"image\":{\"@id\":\"https:\\\/\\\/www.morija.org\\\/de\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sparen f\u00fcr die Ver\u00e4nderung - Morija","description":"Sparen f\u00fcr die Ver\u00e4nderung: ein Programm von Morija in Tschad und Burkina Faso, um Frauen zur Unabh\u00e4ngigkeit zu helfen.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/","og_locale":"de_DE","og_type":"article","og_title":"Sparen f\u00fcr die Ver\u00e4nderung - Morija","og_description":"Sparen f\u00fcr die Ver\u00e4nderung: ein Programm von Morija in Tschad und Burkina Faso, um Frauen zur Unabh\u00e4ngigkeit zu helfen.","og_url":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/","og_site_name":"Morija","article_modified_time":"2026-01-08T21:35:12+00:00","og_image":[{"width":800,"height":696,"url":"https:\/\/www.morija.org\/wp-content\/uploads\/header-programme-epargner-changement-DSC00877.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Gesch\u00e4tzte Lesezeit":"8\u00a0Minuten"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/","url":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/","name":"Sparen f\u00fcr die Ver\u00e4nderung - Morija","isPartOf":{"@id":"https:\/\/www.morija.org\/de\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/#primaryimage"},"image":{"@id":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/#primaryimage"},"thumbnailUrl":"https:\/\/www.morija.org\/wp-content\/uploads\/header-programme-epargner-changement-DSC00877.jpg","datePublished":"2025-07-03T21:09:30+00:00","dateModified":"2026-01-08T21:35:12+00:00","description":"Sparen f\u00fcr die Ver\u00e4nderung: ein Programm von Morija in Tschad und Burkina Faso, um Frauen zur Unabh\u00e4ngigkeit zu helfen.","breadcrumb":{"@id":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/#breadcrumb"},"inLanguage":"de","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/"]}]},{"@type":"ImageObject","inLanguage":"de","@id":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/#primaryimage","url":"https:\/\/www.morija.org\/wp-content\/uploads\/header-programme-epargner-changement-DSC00877.jpg","contentUrl":"https:\/\/www.morija.org\/wp-content\/uploads\/header-programme-epargner-changement-DSC00877.jpg","width":800,"height":696},{"@type":"BreadcrumbList","@id":"https:\/\/www.morija.org\/de\/programm\/sparen-fuer-die-veraenderung\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.morija.org\/de\/"},{"@type":"ListItem","position":2,"name":"Sparen f\u00fcr die Ver\u00e4nderung"}]},{"@type":"WebSite","@id":"https:\/\/www.morija.org\/de\/#website","url":"https:\/\/www.morija.org\/de\/","name":"Morija","description":"","publisher":{"@id":"https:\/\/www.morija.org\/de\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.morija.org\/de\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de"},{"@type":"Organization","@id":"https:\/\/www.morija.org\/de\/#organization","name":"Morija","url":"https:\/\/www.morija.org\/de\/","logo":{"@type":"ImageObject","inLanguage":"de","@id":"https:\/\/www.morija.org\/de\/#\/schema\/logo\/image\/","url":"https:\/\/www.morija.org\/wp-content\/uploads\/MorijaA3-150-82.png","contentUrl":"https:\/\/www.morija.org\/wp-content\/uploads\/MorijaA3-150-82.png","width":152,"height":82,"caption":"Morija"},"image":{"@id":"https:\/\/www.morija.org\/de\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/programme\/40495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/programme"}],"about":[{"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/types\/programme"}],"version-history":[{"count":5,"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/programme\/40495\/revisions"}],"predecessor-version":[{"id":43011,"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/programme\/40495\/revisions\/43011"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/media\/35264"}],"wp:attachment":[{"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/media?parent=40495"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/categories?post=40495"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.morija.org\/de\/wp-json\/wp\/v2\/tags?post=40495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}