Acronyms:

Terminology:

Modalities of CVA:

Cash transfers are a provision of money to targeted households or communities. In the RCRC Movement, there are different modalities for CVA. Modalities area

1. Unconditional/Multi-purpose cash transfer
2. Conditional cash transfer
3. Vouchers
4. Cash for Work

Unconditional/Multi-Purpose cash transfers: Unconditional cash transfers are given with no conditions as to how the money should be used. Post-distribution monitoring reports consistently show that almost all beneficiaries make good use of the cash received and pay for their basic needs such as food, health, education, household items, and sometimes livelihoods activities. Unconditional (and universal) cash transfers are often used immediately at the start of an emergency.

Conditional cash transfers: Beneficiaries must do something after selection and, depending on the program before they receive all or part of the cash. For instance, beneficiaries may need to attend training before they receive the grant. For shelter and livelihoods, project beneficiaries receive part of the cash grant and if monitoring reports show that they used the cash for the intended purpose they receive another instalment of the grant.

Voucher: Commodity vouchers stipulate the items or services for which the recipient can exchange their voucher. Cash vouchers have a specific value and can define a service and an item or a range of items for which the voucher can be exchanged. Alternatively, the voucher can allow the recipient freedom of choice as to what to purchase with their voucher. Combined vouchers (cash and commodity values) also exist. Vouchers can be exchanged in pre-selected shops, with specified traders/service providers, or at specifically organized fairs.

Cash for work: payment in cash to individuals in exchange for work done generally to build or

rehabilitate community or public infrastructures. CFW is a form of conditional transfer that generates two-side benefits: workers receive cash that they can use as they wish while the community or individuals benefit from infrastructures.

Delivery Mechanism of CBI

There are different mechanisms for transferring cash assistance to the beneficiaries. Delivery mechanisms are-

1. Cash distribution through Financial Service Providers (FSPs):

• Prepaid Card (ATM card loaded with cash but not linked to a bank account)
• Personal Bank account (that can be accessed with an ATM card or pass-book)
• Bank Cheque (to be exchanged at the bank branch)
• Mobile money transfer (e-wallets in mobile phones)
• Money transfers through the Bangladesh Post office or remittance companies
• Sometimes security companies (e.g., the Israeli multinational G4S) have delivered cash to beneficiaries

2. Direct cash distribution:

• Cash in Envelope directly handed over to beneficiaries by BDRCS Volunteers.

Response intervention phases are –