The Danish Refugee Council (DRC) was founded in Denmark in 1956, and has since grown to become an international humanitarian organisation with more than 7,000 staff and 8,000 volunteers. DRC works in conflict-affected areas, along the migration routes, and in the countries where refugees settle. In cooperation with local communities, we strive for responsible and sustainable solutions. DRC works toward successful integration and – whenever possible – for the fulfillment of the wish to return home. The International Rescue Committee (IRC) responds to the world’s worst humanitarian crises, helping to restore health, safety, education, economic wellbeing, and power to people devastated by conflict and disaster. Founded in 1933 at the call of Albert Einstein, the IRC is at work in over 40 countries and 26 U.S. cities helping people to survive, reclaim control of their future and strengthen their communities. The Norwegian Refugee Council (NRC) is an independent humanitarian organisation helping people forced to flee. In crises across 31 countries, NRC provides emergency and long-term assistance to millions of people every year. NRC promotes and defends displaced people’s rights locally, nationally and on the world stage. NORCAP, NRC’s expert deployment capacity, helps improve international and local ability to prevent, prepare for, respond to and recover from crises. NRC also runs the Internal Displacement Monitoring Centre in Geneva, a global leader in reporting on and advocating for people displaced within their own countries. The Cash Consortium for Iraq (CCI) was established in 2015 to enhance the impact of multi-purpose cash assistance (MPCA) delivery, fostering closer operational cooperation, and expanding geographical reach. The CCI is made up of five implementing partners, led by Mercy Corp and includes DRC, IRC, NRC, and Oxfam. Since its establishment, the CCI has reached 75,000 vulnerable households (approximately 450,000 individuals) with MPCA across Iraq. Authors: Alexandra Saieh and Naomi Petersohn. Acknowledgements: Thanks go to Jesse Delbridge for leading design of the research tools, coordinating the data collection, and conducting the quantitative analysis, and Oliver Westerman for his support to that process; to NRC’s Information Counselling and Legal Assistance (ICLA) and cash team colleagues, and protection colleagues at DRC and IRC, particularly Tania Marcello and Erin Fahy-Hampton, for supporting the field research and facilitating interviews; to the staff at the Cash Consortium for Iraq for their support during the editing process. We sincerely thank the many participants who shared their stories and experience. The research for this report was conducted with the generous support of the United Kingdom’s Department for International Development’s (DFID) Research and Innovation Fund through the Cash Consortium for Iraq. Disclaimers: The content of this document should not be regarded as reflecting the position of DFID. Any errors in this document are the authors’ own. Front Cover: Hana, a mother of seven, said “Three of my kids don’t have birth certificates or any legal documents as they were born under IS group. For the government, they don’t exist. They can’t leave the camp or receive medical care.” She says, “My 2 year old child has breathing issues and asthma, due to the harsh weather conditions. ©NRC/Tom Peyre-Costa