The key organizations active in the area are: the Individual Community and Rights Advocacy Forum (ICRAF), East New Britain Social Action Group (ENBSAG), Simbu Women's Resource Center (SWRC), and the East Sepik Council of Women (ESCOW
|Often different servicers have different escow
schedules that can make the monthly payment go up or down when there's a transfer of servicing.~
With the exceptions of the East Sepik Council of Women (ESCOW
) and the East New Britain Social Action Committee (ENBSAC)--both of which are provincially based--all NGOs mentioned in this study operate nationally through their member organizations or networks throughout the country.