Posts tagged ‘AIDs’

Producto Creer: How for a Bank Doing the Right Thing Can Pay Off

By Emmanuel M. von Arx, KF16, Guayaquil (Ecuador)

My host and Kiva´s partner organization Banco D-MIRO provides over ten different types of microloans to borrowers in and around Guayaquil: among them loans to finance housing improvements, school expenses, medication, and loans awarded specifically to employees, young clients with a business idea but no experience, and – as Ecuador´s only microfinance institution – discount loans for HIV-positive micro-entrepreneurs. Yet, one borrower group beats all other borrowers in their dedication and commitment to paying back their loans on time: the well over 400 disabled borrowers of Banco D-MIRO, whose payment discipline has turned “their” loan – “Producto Creer” (“Product Believe”) – into the most successful and inspirational product of D-MIRO´s extensive spectrum. The delinquency rate of Producto Creer is by far lower than that of any other major micro-loan type of Banco D-MIRO, which means that borrowers of Producto Creer are better at paying back their monthly rates than any other client group! In these times of economic and social turmoil, Banco D-MIRO´s Producto Creer may be a much needed reminder that it may pay off for banks to do the morally right thing.

Continue Reading 20 December 2011 at 04:00 1 comment

Visiting an HIV-Clinic in Guayaquil (Part II)

By Emmanuel M. von Arx, KF16, Guayaquil (Ecuador)

One of the great joys and privileges of being a Kiva Fellow is to go along with loan officers when they are meeting Kiva borrowers and new clients. One of my most memorable outings was a visit of an HIV-clinic in a public hospital in Ecuador´s largest city Guayaquil. In the first part of this blog post I recounted how I drove with Nahin Alvarado from Banco D-MIRO´s headquarters on Guayaquil´s Isla Trinitaria to the HIV-clinic at Hospital Abel Gilbert. Nahin is the bank´s loan officer specializing in HIV-positive and/or disabled clients who have the right to receive a discount micro-loan. And Banco D-MIRO is the only micro-institution in all Ecuador to provide financial products especially for these two long-excluded client groups.

Nahin is talking to a patient outside of Guayaquil´s HIV clinic

While Nahin is presenting the bank´s special loan products to the patients in the HIV- clinic´s crowded waiting room, Franklin walks towards me. A strong man in his forties, Franklin is the leader and community organizer of FUSAD (Frente Unido por la Salud y los Derechos – in English: United Front for Health and Rights), a self-help and support group for HIV-positive people, based at the hospital and well known for the professional education courses they provide to their members.

Continue Reading 15 November 2011 at 12:00 4 comments

Visiting an HIV-Clinic in Guayaquil (Part I)

By Emmanuel M. von Arx, KF16, Ecuador

“Don’t be scared to shake the hand of a client with HIV or to drink out of his glass. You cannot get infected that way.” This was the message that Nahin Alvarado repeated over and over during a training session in September with a group of twelve new and somewhat incredulous loan officers of Banco D-MIRO, when I first met him. A loan officer himself, Nahin has been with Banco D-MIRO for over two years, focusing on two very special client groups who – not just in Ecuador – have long suffered from discrimination and lack of access to financial services: micro-entrepreneurs who are HIV-positive or disabled. The moment I heard Nahin so forcefully speak up on behalf of HIV-positive clients, I knew that I wanted to spend a day with him in the field.

Continue Reading 2 November 2011 at 08:00 3 comments

Sala Kahle: Saying Goodbye to KwaZulu-Natal

By Alexis Ditkowsky, KF14, South Africa

Like most Fellows from Kiva’s 14th class, I am busily tying up the loose ends of my Fellowship. As much as I enjoyed my trips to the rural areas surrounding Richards Bay (although I wasn’t a huge fan of Richards Bay itself), I can’t say that I mind my current locale: the beach at Kommetjie, about an hour south of Cape Town. My Fellowship required a sustained burst of manic energy and proved to be an extraordinary mixed bag that was both incredibly challenging and rewarding. While I’m ready for a little R&R, I wouldn’t take back any part of the past three months, except perhaps for the multitude of yappy dogs that started barking at 5:30am each morning and harassed me on all of my walks. I definitely could have done without them!

Continue Reading 1 May 2011 at 12:20 5 comments

Update from the Field: Carnival, Collaboration + Cheese-Making

Compiled by Alexis Ditkowsky, KF14, South Africa

This past week was all about collaboration: Fellows coordinating across continents to profile entrepreneurs and organizations who believe International Women’s Day should be every day and community members coming together to celebrate Carnival in all of its elaborate glory. We learned about public health in Peru, making cheese and cigars in Nicaragua, the impact of climate change in Bolivia, and the challenges faced by a microcredit saleswoman in Guatemala. Life as a Kiva Fellow is busy as always!

Continue Reading 14 March 2011 at 00:45 8 comments

Sugar Daddy Syndrome

Yesterday I spent about 12 hours on hot, crowded and bumpy buses in Dar Es Salaam. At least half of that time was spent idling in traffic jams, an inevitable experience whenever one travels to the far-flung corners of this sprawling city. I was trying to reach a couple of Tujijenge Tanzania clients and interview them as part of Kiva’s borrower verification process. I found one of the two clients I was hoping to meet, so the day was partially successful. By the time I got home it was close to 9pm, and after cleaning up and a quick meal (rice and beans in coconut sauce – delightful!), I was ready to relax. Allowing myself a short reprieve from noisy, dusty Dar, a movie was in order. Figuring a British film set in 1960s London should do the trick, I settled on the film An Education; however, as the story of a schoolgirl’s doomed relationship with an older man unfolded, I couldn’t help but recognize that the movie holds significant parallels with modern Tanzania.

Continue Reading 4 June 2010 at 05:12 4 comments

On HIV, Serenity and Microfinance

There is arguably a problem larger than poverty in southern Africa. Although not reaching the levels of neighbouring Swaziland, whose mid-term future as a country and people is uncertain, HIV is rife in Mozambique. One in six adults is estimated to carry antibodies for the disease, as are over 100,000 children.

Continue Reading 30 March 2010 at 00:33 3 comments

Growing a Business, Saving a Child

An estimated half of Kenyans with AIDS are receiving anti-retroviral treatment, only about a third of Kenyan children are. How can micro-loans help change this?

Continue Reading 29 May 2009 at 06:36 3 comments

Unsafe abortions in Kenya

I am volunteering at Kisumu Medical Educational Trust (KMET), which began with the aim of breaking the silence surrounding high maternal mortality from unsafe abortions.  In the Nyanza Province of Kenya, 42% of 15-19 year olds are sexually active, but only 11% use modern contraception.  (Mitchel et al, 2006).  Only eleven percent of sexually active teenagers use condoms, despite the fact that 15% of the population is infected with HIV/AIDS.

The KMET office has boxes and boxes of free condoms.  I browsed the selection, impressed.  I felt as though I was browsing the coffee options at the local Starbucks.  Triple shot, no foam, tall skim latte?  Meet ribbed, lubricated, vanilla-flavored, magnum-sized Trojan.  I couldn’t understand why only 11% of teenagers would use condoms when they are so easily accessible, and in such a range of sizes and tastes!

Apparently, sex education classes are banned in Kenyan schools, so knowledge about reproductive health is scarce and largely inaccurate.  Two KMET employees (Hesbon and Maureen) described some of the myths that circulate among teenagers in Kisumu:

  • If you have sex with a condom, the condom will dislodge and swim through your body.  The condom will come out of your mouth while you sleep.
  • If you have sex with a condom, your body will react to the condom’s oils and your stomach will swell as if you are pregnant.
  • If you have sex with a condom, you will acquire HIV.  (Because supposedly companies inject condoms with the virus as a means of population control.)
  • If you have sex with a condom, the female will feel intense pain.

Teenagers are largely ignorant about contraception, and as a result, 27% of 19-year old women in the Nyanza Province of Kenya are either pregnant or already mothers.  (UNAIDS Report, 2006)  These young mothers are usually thrown out of their homes and kicked out of school.  They are left to raise their children alone, with no source of income or support from the government.  In Kisumu, 100% of these teenage mothers earn less than $1/day.

The stigma and consequences of pregnancy therefore lead 252,000 15-19 year old Kenyan girls to seek abortions every year.  (Kiragu et al, 1998)  The problem is – – abortion is illegal, expensive and misunderstood.  Girls are told that if they seek an abortion at a hosptial, the doctors will either sterilize them or block their vaginas so they are unable to have sex again.  As a result, the majority of the abortions are performed in horrific conditions, often by the girls themselves.  1 in 10 women who obtain an abortion in Kenya will die.  (UNAIDS Report, 2006)

Maureen told me about her friend Mary, who became pregnant at 17.  In her bedroom, she took 12 malarial pills, strong juice extract, and an herbal drink she received from a back-door abortion clinic (which likely included turpentine.)  While waiting for the drugs to work, she inserted a bent coat hanger into her vagina and scratched the uterus walls until she lost consciousness.  Maureen found her, bleeding profusely and unconscious from the drug overdose, the coat hanger still inside her vagina.

Unfortunately, abortion is so stigmatized in Kenya that few clinics or hospitals will treat women who are dying from unsafe abortions.  Maureen therefore had to find a car to take Mary to a special clinic 28 km away.  It took her 1 hour to find a car and another 1 hour and 30 minutes for the car to maneuver the unlit, damaged roads.  By the time Mary was admitted to the clinic, she was almost dead.

KMET is responding to the crisis by training and creating networks of health providers who offer women cheap post-abortive care.  KMET has also established a Sisterhood for Change (SFC) center, which educates teenage girls about reproductive health.  The girls (many of them mothers, orphans, high-school dropouts and/or commercial sex workers) learn about contraception, sex, pregnancy and HIV/AIDs.  The girls then become advocates in their communities and are encouraged to teach others about safe-sex practices, particularly about condom use.

Where does Kiva come in?  KMET has an extensive volunteer base of community health workers who visit the homes of HIV/AIDs patients to administer drug treatments and provide food.  In gratitude for their help, KMET offers these volunteers low-interest microfinance loans, many of which are funded by Kiva.  For more information about KMET, please see:


And for the newly-departing Kiva Fellows, I offer a Luo proverb: Ariango misalo kichuo piere piny.

Translation: A real traveler doesn’t stick his buttocks down for any length of time.

28 January 2009 at 00:35 10 comments

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