Posts tagged ‘volunteer’

My first everything in Ghana

After an easy trip. I arrive to Accra, Ghana. The first feeling you have when you step out of the plane is an intense hot an humidity, and this in when you miss the snow at home.

It is 8 PM and the Ghanian national football team is playing the semifinals of the African Cup against Burkina Faso. The whole country is mobilized. I can hear the screams all along the airport. For the moment they are drawing, but with good opportunites. Maybe it is because of the macth that taxi drivers are behaving in a foolish way. I asked one of them about a hostel I knew, and he answers me he takes me there without any problem. I jumped on the taxi with all my stuff, we move forward few meters and he starts asking everyone where the hostel is. I ask him if he truly knows where it is, and he answers me no.

I make the same process with another taxi and it happens completely the same, till a kind woman called Evelyn, offers me her help. She told me she knew a hostel not far from her home. I relied on her and her little son John.

After a few minutes drive we arrive to the hostel. It was not as cheap as I expected, but it is 10 am, I am exhausted and the last thing I want to do is wandering in an African city of  3,5 million habitants. I go straight  to bed.

The day after everything is the first time for me.

My first bedroom

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Mi first sight of Accra

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My first bathroom

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My first coconut

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My first meal

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My first defeat.

I realize Ghana lost in penalties. It is in that moment when I remind they almost are the first African country in reaching Worldcup semifinals. An Uruguayan player´s hand  and the latter missed penalty of a Ghanian player impeded it.

Bad luck in football continues for me. In El Salvador I attended with Fundación Campo Microfinance the qualifying game between Costa Rica and El Salvador. Of course, they lost.

But this event do not remove the smiles from them. They know what is suffering in the field and out of it. This is why they give thanks for reaching so far and they will try again harder than ever next year.

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The day after the defeat, some supporter demonstraiting their devotion for the national team.

14 February 2013 at 09:00

24th of December in San Salvador

Salvadorean people are strict Christians and their most important date in their calendar is Christmas Eve. They celebrate the Birth of baby Jesus. They live this day quite similar to American  people: meeting the whole family and sharing together.

This is how 24th December was:

5:30

Wake up! Don´t ask me why we get up so early, I don´t understand it yet.

6:30

We killed 2 hens, we plucked them and quartered them, with all the preparation they need.

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8:00

Go to the bank to withdraw the present our brothers & sisters that live in USA has made us in form of remittances. Long queue and slow employees. We wait for an hour.

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9:30

Go to the market with mami Valentina to buy the last things me need to prepare the dinner. It is crazy how busy was the market!

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11:00

Come back home alone because I lost my mami in the market. We continue preparing the hens.

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12:30

We eat eggs with frijoles.

15:00

My sister Marcia prepares Honduran Torrejas and sanwiches.

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17:00

Everything is ready. Lets prepare and stay with friends and family around the area.

19:00

Papa Chente, mami Valentina, hermana Marcia and me have dinner together. The menu is roast chicken  with thin corn Salvadorean pancakes and pineapple juice.

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21:00

Family members begin to arrive. We talk, dance, laugh, chat, hug…altogether!

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22:00

We go to buy fireworks and start exploding them.

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24:00

We hug every single relative and friend, we wish them merry Christmas and continue exploding fireworks!

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3:00

We go to bed after good dances of Cumbia, bachata (my favourite one) merengue, salsa…I get lost with dance names and I don´t distinguish them very well.

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Merry Christmas and happy 2013!

31 December 2012 at 10:00

The magic encounter of all Kiva loan participants in El Salvador.

Few days ago, an American couple that collaborate with Kiva translating loans sent me an email. The team of volunteers they belong to is one of the most important pieces in Kiva (there are nearly 400 volunteers around the world). They make possible all loans, no matter where they come from, are accessible in English.

This couple not only translate loans but also lend money to entrepreneurs through Kiva, especially to El Salvador.  Few years ago, they lived for two years in a little Salvadorean village working as volunteers. When they went back to the USA, they did not want to lose contact with this region and they were looking forward to keep helping in the distance. This is how they found in Kiva the best way to do it. They told me translating loans is easy to combine with their current jobs and you control how much you can do.

They told me they would stay for a week in El Salvador visiting some friends they left in the past and they asked me if it was possible to visit any of the borrowers they translated or invested in. The idea of an encounter between borrower and lender captivated me, and we started to work on it. (Not as easy as it may look: transport, communication and logistics is a different story in deep El Salvador).

After some steps we managed to make the challenge of putting borrowers, Mr and Mrs Luehm, and lender, Mrs Delfina, together. It was one of the best moments I have had in El Salvador. Seeing the encounter among these people and the conversation they had was wonderful.

Photo taken by Carlos, credit advisor from Padecomsm, on 23rd December 2011, when Mrs Delfina asked for a loan.

Photo taken on 22nd November 2012. The encounteer.

Nowadays, with initiatives like Kiva ´s, it is not possible to say either “ I want to help , but I don´t know how nor who” or “I dont want to help because I don´t know where my money goes to and the impact it creates”.

In Kiva, you can find more than 2400 stories and pictures of people/families in need, from every sector and from more than 60 countries. Every euro you lend through Kiva reaches the person you choose, and because it is a loan, not a donation, it bets on the sustainability of the project and consequently his life.

Your small amount, 25 dollars, it´s a lot for them.

Kiva, loans that change lives…

…And brings people´s lives together.

Here are all participants in the process of a Kiva loan: Borrower (Mrs Delfina in the center),Microfinance organization, Padecomsms (Rubidia, Kiva Coordinatos,  and Carlos, credit advisor, in the left) and Kiva (represented by KF19 Juan).

Thanks Lehm couple and Padecomsm for this magic encounter!

2 December 2012 at 09:00 1 comment

A deadly trip and an unpredictable arrival to El Salvador

The Kiva fellowship starts.

With a backpack of 18 kg (half of them are the medicines my mother gave to me), a surfboard that cost me a lot of help and money taking with me, and a box of enthusiasm, doubts and hopes, I head El Salvador, as my father said, one of the most lethal countries in the world. But we always focus on the negative side these countries have. As one film says, lets see the bright side of life.

¿Did you know that El Salvador is considered in several studies as one of the five happiest countries in the world? It is also called as the “40 minutes country”, because it is strange to take more than that to get to your destination. Besides, San Salvador is the oldest capital-city in South America, having one the richest cultural and archaeological heritage in the continent Another strength it has are the virgin beaches and natural reserves, that, due to past insecurity problems, are not that popular as its neighbors’´. Finally, the country has figures than have marked history. For instance, Colonel José Arturo Castellanos saved more than 40.000 jewishs from being killed by Nazis, and Consuelo Suncin inspired the rose of Antoine Saint-Exupéry´s book “The little prince”.

Looking this way to El Salvador, it seems a great country despite its small size. And do not worry if you were not able to locate the country in the world map, I could not either.

After a dying  journey from Spain (15 hours at Washington DC airport + long discussions with the airline not to pay again for the luggage + a cryer baby behind me + out of order entertainment system), I arrived at 7:00 local time to the hot San Salvador airport.

The first thing we are told to do when we arrive to one of these countries is to register ourselves in the national embassy. After doing it, I was about to leave and walk around the city with all my luggage, but the people in the embassy immediately stopped me saying seriously: Are you crazy? You are an easy target in the streets of San Salvador! As I had no place to go before 18:00 PM, they advised me to go to a location where Spanish people meet, which is called “El Centro Español” and Spanish people don´t pay. ”Despite the tough crisis in Spain There are still places where we are welcome and it is free”, I thought for myself.  After their transmission of  insecurity, I had no chance to say no, so I went there.

I arrived to the place and what a fabulous surprise! This Centro Español was a social club where wealthy Salvadorians go. It had a nice swimming pool, tennis courts, trampolines, a gym and many more facilities. I was feeling in heaven. After my long (42 hours) and deadly journey it looked that El Salvador was winking at me.

Later El Salvador sent a crazy storm that caused floods in many regions of the country, but by then I was with one recent friend having choripanes and testing the Salvadorian beer Pilsener.

These were my last hours of occidental luxury before I met few hours later my great partners of adventure Fundacion Campo, Padecomsm and Apoyo Integral.

 

15 October 2012 at 07:00

Silicon Valley’s got nothing on Yaoundé

Raphael Ferry | KF18 | Cameroon

I’m not thinking in terms of number of patent filings, amount of venture funding, or angel investors by square foot (or meter), but on many other metrics, Yaoundé, Cameroon far outpaces the more obvious entrepreneurial hubs of London, Tel Aviv, Singapore, and Silicon Valley. Everyone here is an entrepreneur. That spirit is palpable. From papaya sellers, to cell phone credit merchants, to self-proclaimed podiatrists selling shoes, the streets of Cameroun’s capital are swarmed with people dealing in every product you can imagine.

The diversity of enterprises is impressive. You’ll find jeans, q-tips, phones, tomatoes, ties, boiled peanuts, soccer cleats, and grilled corn all on one block. And every seller is somehow creating value. From purchasing ginger in bulk to sell individually to preparing and grilling fish (a delicious meal but with obvious risks for delicate expats), these entrepreneurs are doing everything they can to provide for their families. It’s in busy streets like these that microfinance still has tremendous potential.

Outside ACEP Cameroun's downtown office on Avenue Kennedy

Outside ACEP Cameroun’s downtown office on Avenue Kennedy, Yaoundé

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6 September 2012 at 11:36 1 comment

A Mexican Tale of Women and Sheep

Emmanuel M. von Arx | KF 16+17 | Mexico

Who would have thought that my second Kiva Fellowship would teach me just as much about microfinance as about the rearing of sheep? Seriously, ask me anything you want: How do you best hold a lamb? How do you wrestle with a grown-up mutton? How do you treat sheep for worms? Where and how often do you set them a vaccine? How do you determine a sheep’s age? Why does a sheep bite normally neither hurt nor bleed? For what reason does a sheep have four stomach compartments? And how do you compel a lamb’s reluctant mother to accept her kid after birth? I owe this knowledge to UNAM-educated veterinarian Linda Velázquez Rosas, who made a sheep-expert not just out of me, but also out of 200 amateur sheep-owners in and around the little town of San Felipe del Progreso, two hours west of Mexico City. This training was made possible by Vision Fund Mexico (also known as Fundación Realidad or FRAC), a Kiva field partner that excels both at financial and non-financial services (in a previous blog post I documented an artisan fair in Mexico City that was co-organized by FRAC).

Continue Reading 6 July 2012 at 08:00 6 comments

Beyond Financial Services: Mexico’s Greatest Artisan Fair

Emmanuel M. von Arx | KF 16+17 | Mexico

Shortly after arriving at my first Mexican microfinance organization, FRAC (or Fundación Realidad, soon to be called Vision Fund Mexico), I had the joyful task of presenting in the name of Kiva two Social Performance Badges to its enthusiastic staff: one for Vision Fund Mexico’s strong and persistent focus on poor people, and one for the organization’s success in empowering families and communities. The description of the Family and Community Empowerment Badge on Kiva’s homepage immediately piqued my interest: it states that recipients of this badge “implement innovative business practices and offer services in addition to their financial products to meet the needs of the people they serve.” Innovative business practices and additional services beyond financial products? At FRAC? I began to ask members of FRAC’s staff and was soon pointed to some great examples of non-financial services that Vision Fund Mexico has provided in past months and year: they include support in product marketing and distribution given to beekeepers and artisan villages, over 380 free financial literary workshops for well over 4,000 borrowers, and free expert veterinarian training and medical services provided to hundreds of borrowers who are raising cows and sheep in their backyard. While I hope that some of these topics will be addressed by future guest blog posts of FRAC staff members (continuing the series that was started by Rosa’s gorgeous post on her recent field visit), I will report here on FRAC’s selfless contribution to Mexico’s largest artisan fair, the Expo FONAES. In many ways, this is just another example to David Gorgani’s great piece on the wide range of non-financial services that Kiva field partner organizations provide.

Continue Reading 22 June 2012 at 08:00 4 comments

Recycling for Life and Family in the Mexican Countryside

Emmanuel M. von Arx | KF 16+17 | Mexico

I have a confession to make: I love to browse Kiva borrower profiles – even occasionally without any actual intention to make a loan. I believe that reading the stories of borrowers from all over the world and knowing their dreams tells me more about a country and the mentality of its people than even the best of all travel guidebooks. And knowing some of the challenges they are facing in their lives and how they are surmounting them, being aware of the long hours they work every day and their dedication to their families – all this inspires me deeply and on a very personal level: if people can thrive under difficult circumstances thanks to incredibly hard work and a dream, then I should and will be able to do something meaningful and lasting with my own life as well! My Kiva lender profile reads: “I loan because… Kiva borrowers never cease to inspire me with their courage, talent, and dedication!”

That strong sense of inspiration that speaks to me out of every Kiva borrower’s history has been multiplied during my time in the field as a Kiva Fellow in the course of many personal meetings with borrowers. I have met literally dozens of borrowers who have left an indelible mark in my heart and mind. But recently I have met a borrower who is so extraordinary and unusual that even I – one of the more seasoned Kiva Fellows – was blown away. Her name is Ma de los Angeles and this blog entry tells the story of her work and her success.

Continue Reading 1 June 2012 at 08:00 6 comments

The Heart of Kiva – A Guest Blog from Mexico

Emmanuel M. von Arx | KF 16+17 | Mexico

Kiva is all about stories – what draws us all in and inspires us to lend are the stories of courageous micro-entrepreneurs that speak of hard-ship and success, challenges and dreams, love and dedication. But Kiva is not just about borrowers and their stories. It is also about the people behind the scene on the ground – the staff of the close to 150 field partners of Kiva – who screen loan applicants, grant, administrate, and look after Kiva loans, and make sure that Kiva borrowers are treated respectfully and fairly. Their stories are almost never told. Yet, the local staff of Kiva´s Field Partners are those people who make the magic happen – they are the ones who make Kiva possible. If Kiva Fellows are called the “eyes and ears in the field”, I propose local MFI staff be called “the brain and heart of Kiva.” MFI staff has insights on the conditions on the ground, the local mentalities, and the practical aspects of microfinance that can rival (and – I have no doubt – normally exceed) those of Kiva staff and Fellows. Yet, their perspective is seldom heard and their stories are rarely told.

Just how much local field partner staff have to tell and to share with the world I learned during the brief three week period during which I had the pleasure to be the Kiva Fellow for FRAC or Fundación Realidad (soon to be known as Vision Fund Mexico) in Mexico City. FRAC, has over 200 employees – they encompass 200 breathtaking stories and lives from all over Mexico, coming together in FRAC’s vision of wanting to provide financial and non-financial services to those families who do not have access to formal banking services in order to improve their quality of life.

During my work in FRAC’s Mexico City Headquarter, the MFI’s staff turned out to be an endless source of inspiration for me. There was not one person I talked to whose story and motives wouldn’t be worth sharing. Within a few brief hours I felt not just surrounded by close friends, but soul-mates – I discovered that everybody around me was at least as passionate and enthusiastic about FRAC’s and Kiva’s work and the impact of micro-finance as I am.

As soon as I told FRAC’s staff about the Kiva Fellows Blog, I was bombarded with requests of staff members to publish their thoughts and their experiences on it. Many have a particular pet project they feel most passionate about; others have made an experience on the job they are keen to share. Thus grew the idea of creating a little guest blog within the Kiva Fellow Blog. I offered to all staff to publish their thoughts and words on the Fellows’ blog as a way to make readers aware that Kiva doesn’t just connect lenders with borrowers, but that it connects lenders with local staff with borrowers with friends with staff with borrowers with lenders with… stop! Let’s just say: Kiva connects people through lending!

Rosa Gonzalez is the first staff member of FRAC who agreed to share her experience. She was hired by FRAC as their English-Spanish translator a few days after I joined the organization as a Kiva Fellow. Rosa translates both borrower profiles and journals for FRAC borrowers before they are being published or sent to lenders. But let me introduce Rosa in her own words – you will immediately see that they are pure poetry.

Continue Reading 24 April 2012 at 08:58 5 comments

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

A Typical Day in the Life of a Kiva Fellow: Loan Officer Training (Video Blog Post)

By Emmanuel M. von Arx, KF 16, Guayaquil (Ecuador)

Video posts on a “typical day” in the life of a Kiva Fellow are a time-honored tradition on the Fellows Blog. Without any more words, here is my contribution to the video series of documenting a typical day in the life of a Kiva fellow. Like all previous contributors to the series, I am keenly aware that there is no “typical day” for Kiva Fellows. But taken together, the growing number of “typical day”-videos may at least convey something of the diversity, unpredictability, spontaneity, and joy that a typical untypical day of a Kiva Fellowship entails. Enjoy!

Continue Reading 6 December 2011 at 04:00 3 comments

To Kiva Fellow or not to Kiva Fellow. Eso e’ la pregunta.

By Robert Gradoville, KF16, Peru

Should I become a Kiva Fellow? I imagine a lot of the Stories From The Field blog followers have considered applying to the Fellowship, or have wondered what the comparison is between the Kiva Fellows Program to similar volunteer or development programs abroad. This may include the Peace Corps, overseas research grants, overseas workshops on topics in development, Fulbright Fellowships, Rotary Scholarships, and possibly service-learning trips if you are currently students. The list goes on and on. And it can seem like a big and slightly mystifying list for anyone who just wants to make a decision and DO SOMETHING!

This post will compare and contrast “what it’s like” to be a Kiva Fellow to the myriad other programs out there.

Continue Reading 20 November 2011 at 20:06 4 comments

Village Banks BY Farmers FOR Farmers: A Microcredit Labor of Love

Oxen hauling coffee harvests in La Sierra, Platanares, Costa Rica.

 By Julie Kerr, KF16, Costa Rica 
Part 2:  Microfinance Models in Costa Rica – Featuring FUDECOSUR
 
(See Part 1 for details on how FUDECOSUR’s village banking model works)
 

The warm red earth pulls me in, as I follow FUDECOSUR loan officers on their labor of love.

Serpentine paths lead us through farm lands carved out of dense swaths of jungle, as borrowers take us to the plots of land they proudly cultivate, thanks to the help of Kiva lenders.

As I slip and surf along steep paths slick and thick with monsoon rain, sprawling ferns the size of a family hut, reach out to us, with unfurled leaves heavy with the same mist that envelopes us.

Majestic white oxen haul mighty harvests out of the valley depths, where machines dare not tread, due to thick, quicksand clay mud, which all too lovingly pulls all things passing, toward the womb of the world. We move to the side of the path, making way for the heaving beasts of burden, as they pull weighty sacks of coffee beans and other food crops, in brightly painted “carretas” (wooden carts with wooden wheels).

Continuing along our trek, we descend into a warm, moist Eden of lush green, where water-collecting trees grow taller and stronger as we approach the river.

“Welcome to La Sierra! Here we take care of nature!” – Village welcome sign in La Sierra, Platanares, Costa Rica.

Unlike farms I’m used to seeing in the United States, Costa Rican farms boast fields of crops coexisting with an abundance of medicinal plants and native trees, which are protected by law.

True to Costa Rica’s conservationist spirit, owning land means that one is charged with protecting existing plant species essential to long term survival, while cultivating crops essential to immediate survival.

Cutting down old-growth, or endangered trees, or trees which sprout, stretch and rise along rivers, is strictly punished by hefty fines and jail time. These rules apply even if one destroys any such tree on land one owns.

The result?  Farming in Costa Rica is no longer synonymous with deforestation. Because of the great care that has been taken to preserve the environment, Costa Rica has become a Mecca for biologists and laymen lovers of wildlife. The nation boasts the largest percentage of protected land in the world (25%, compared to the developing world average of 13%, and the developed world average of 8%). While making up only 0.25% of the earth’s land mass, Costa Rica is home to 5% of the world’s biodiversity. And though such animals are nearly extinct in neighboring countries, large jungle cats, a variety of monkeys, reptiles and amphibians, and an abundance of bird species and marine turtles, survive and thrive in the ecologically rich coast that is Costa Rica.

Oxen hauling farmer and son to coffee fields - La Sierra, Platanares, Costa Rica.

Protected land swells and wells with sweet, crystalline springs, rolling rivers, tumbling white waterfalls, lakes, mangrove swamps and marine estuaries brimming with life.

Due to a deep respect for the earth, exceptionally clean water and fresh air blanket the country, and are a great source of pride for Costa Ricans.

Those who work the land are especially proud of it, and in the eyes and smiles of Kiva borrowers and FUDECOSUR loan officers, beams a joy and passion that comes from living a labor of love.

In The Fields:  Loan Officers Serving as Agricultural Development Partners

Not only are FUDECOSUR  village banks run by village farmers, as detailed in Bank-O-Mat Under a Hot Tin Roof, but they are also trained and managed by loan officers who are farmers themselves.

As FUDECOSUR  seeks to assist and develop agricultural communities by becoming an integral part of each community, FUDECOSUR’s loan officers provide much more than a mere financial services relationship. Since loan officers Geiner Gonzáles Marín, Gerardo Barrantes and Danny Zuñiga all come from farms themselves, they also serve as valued partners, advisors and mentors, not only from a bank operations training and guidance perspective, but also with regards to helping clients optimize crop and livestock output.

Geiner Gonzáles Marín: Chief Loan Officer

Geiner Gonzáles Marín entering a coffee farm in La Sierra, Platanares, Costa Rica.

When visiting borrowers and the lands they cultivate, Chief Loan Officer Geiner Gonzáles Marín, often leads the trek into plunging valleys or up steep mountains, with unceasing enthusiasm.

Born and bred on a coffee plantation with dairy cows and various food crops, Geiner is in his element and is unstoppable –copious rain or shine.

With an absolute passion for the land and the fruits of farmers’ labor, his camera is always in hand, snapping photos of crops grown with Kiva loans. He also interviews the farmers with great interest, inquiring about crop cultivation challenges (such as destructive wilting or fungus caused by excessive rain), and offers vital suggestions on how to combat various crop infirmities and increase crop yields.

Gerardo Barrantes: Loan Officer 2

Gerardo Barrantes with the largest of his giant Ayote harvest, measuring 67cm long, and weighing 17 kilos – San Rafael Norte, Costa Rica

Sharing the same intense passion for the land, loan officer Gerardo Barrantes shows off photos of gigantic yucca and ayote crops he’s produced organically. Clients are wowed by the 37-pound mega-vegetable Gerardo proudly cradles like a newborn child.

While eagerly inspecting and praising crops produced by Kiva borrowers, he offers guidance on stronger, more rain-resistant produce likely to benefit from organic farming methods.

Gerardo’s love of the land is also reflected in his paintings. One features his childhood home – an evergreen dairy farm, fed by fresh spring water, cascading from the mountains shadowing his boyhood village. Gerardo’s artisan talents are also used to turn “carretas” (ox-drawn wooden carts) into rolling works of art, for the proud farmers in and around his village.

Danny Zuñiga: Loan Officer 3

Danny Zuñiga (far right) with his proud parents in the family sugar cane fields - Pilar, Costa Rica.

Like his counterparts, loan officer Danny Zuñiga has always had a deep desire to remain close to the land, and the people who tend it.

As a small child, Danny’s mom jokes that it was hard to get him excited about school, since he preferred spending time with dad in the family sugar cane fields.

True to his passion, Danny enrolled in an agriculture-based vocational school program. From grades 7-12, Danny bussed his way to Colegio Tecnico Profesional de Platanares, which has a working coffee farm, and livestock farm full of cows, pastures, pigs and rabbits. Just like his colleagues, Danny’s favorite part of the job is being out of the main office, and in the field with borrowers. As such, Danny is especially proud to help serve client needs with his agronomy training, both in theory and in practice.

In addition to informal cultivation guidance provided by loan officers, FUDECOSUR borrowers also benefit from community and business development courses funded by FUDECOSUR profits.  Free technical training and education are provided to increase crop and cattle yields, improve community health and sanitation, and expand alternative job opportunities. Course themes are requested by the Village Banks, and are coordinated by the FUDECOSUR director and loan officers – who source experts in each field of training (such as technical college agronomists for crop cultivation or livestock care courses, or information technology instructors for computer training courses). Village bank communities in need have benefitted from detailed courses combining theory and practice, such as:

  • Livestock Health Care and Output Optimization
  • Coffee Cultivation and Output Optimization
  • Hydroponic Farming Capacitation (to optimize more environmentally-friendly, and disease-free farming)
  • Food Handling and Sanitation (to improve community health and support start-up food service businesses)
  • Computer Training (MS Office for children and adults)
  • Sewing/Clothes Making
  • Community Recycling
  • Water Purification

FUDECOSUR provides these free courses not only as a form of long term community development, but also believes that such courses are responsible for client loyalty and very low default rates (2% reported for 2010). The more involved FUDECOSUR is in the village bank communities, the greater affinity clients feel for FUDECOSUR as a member of their community, and the more willing and able clients are to repay loans (per FUDECOSUR’s philosophy).

Furthermore, borrowers who are taught methods to improve production, make stronger clients and business partners in the future, since they’ll eventually have more income resources.

In The Village Banks:  Loan Officers Serving as Financial Operations Partners

Working “carreta” painted by FUDECOSUR Loan Officer Gerardo Barrantes.

Beyond working to provide agricultural communities with formal and informal business development guidance, FUDECOSUR loan officers also train farmers to run village banks, which operate in the communities where farmers reside.

With dedicated mentoring and guidance from loan officers, FUDECOSUR’s Village Banks (also known as Credit Committees) are run by 5-7 dedicated volunteers, who are elected every 2 years by members of their community.  Partnering with FUDECOSUR’s loan officers, Credit Committees are responsible for assessing and approving loan requests, disbursing loans to borrowers, collecting loan payments, documenting all credit requests and exchanges, and monitoring borrower progress. Credit Committees are also charged with educating their community members on FUDECOSUR rules and requirements for soliciting, receiving and repaying loans.

Geiner Gonzáles Marín (right) inspecting and gathering coffee beans for Kiva borrower Rigoberto Garro Godinez - La Sierra, Platanares.

Given their intimate knowledge of the land, FUDECOSUR  loan officers are deeply respected and revered by clients as fellow farmers, who bring much-needed credit funds and education to underserved communities.

“Geiner is one of US!”  Village bank members of Cedral de Cajón exclaim (referring to the Chief Loan Officer).

Since agricultural communities are commonly excluded from traditional financial services, the introduction of FUDECOSUR funds and training has given clients a renewed sense of hope, pride, and excitement.

Many FUDECOSUR clients recant tales of suffering through intimidating, confusing and lengthy application processes for traditional bank loans.

After losing money to travel costs, and crops left unattended for multiple visits to national banks, farmers are often left disheartened by rejection at the end of the process.

After struggling unsuccessfully for years to obtain national bank loans to support his farm, Antonio Vargas Hernandez, is now Vice President of FUDECOSUR’s village bank in Cedral de Cajón.

“After being rejected for loans with national banks time after time, I never imagined I’d actually be running a bank!” Antonio is radiant with warm pride and enthusiasm. “I’m so proud to be able to help my community move forward with affordable loans that can be obtained right here!”

Geiner Gonzáles Marín descending into the valley of La Sierra, Platanares to reach a Kiva borrower’s coffee farm.

The complexity of the national bank loan process, plus the constant rejection of farmer applications, made many farmers feel inadequate and incompetent when seeking credit.  In contrast, FUDECOSUR has taught clients that they are not only valued borrowers – they are also essential, competent and capable financial services partners.

As farmers with intimate knowledge of the land, and personal experience with members of their community, Credit Committees are well-suited to decide which business proposals are most apt to thrive from a micro-loan.  If an unprofitable business proposal is presented (such as planting crops in areas not conducive to successful crop production), the hands-on farming expertise of Credit Committees is leveraged, to help prospective borrowers come up with alternative proposals, which will generate positive growth, and help borrowers thrive.

Because of FUDECOSUR’s inclusive village banking model, farmers who formerly perceived themselves as financially illiterate, have become highly functional village bank operators who now beam with confidence.

“Loan officers like Geiner make us better people” says Arrelio Arías Brellas – President of FUDECOSUR’s village bank in Cedral de Cajón.  They’ve made credit processes easy to understand, and loans fast and easy to obtain. Because of their time and dedication, we are now equipped to help our community improve their businesses, and make life easier.”

Miguel Mora Vargas, Treasurer of Cedral de Cajon’s village bank, explains how loan officers lead by example, and are a great source of inspiration for village bank officers, who are also borrowers themselves.

“Geiner’s hard work makes us want to work harder every day to help our community succeed. Loan officers like Geiner are always punctual, and they stay after hours to ensure all credit exchange tasks are understood and complete. Their knowledge and expertise becomes our knowledge and expertise, and we learn more every day. Our community is stronger because of FUDECOSUR.”

Thumbs-up and smiles from a proud coffee farmer - La Sierra, Platanares, Costa Rica.

As village bank operators express their gratitude for FUDECOSUR’s inclusive and educational community development model, monsoon rains often thunder down outside, making a mighty rap-a-tap-tap chorus of sound, which mimics roaring applause.

Cedral de Cajón is just one of many communities expressing deep thanks for FUDECOSUR credit services, and the Kiva loans that help make them possible.

Time and again, I have the pleasure of seeing borrower hardships converted into eventual successes through Kiva loans, and I redefine the concept of wealth every time.

Most FUDECOSUR borrowers, due to their isolated location, have never had a relationship with a national bank, and therefore, don’t even have savings accounts. They are subsistence farmers who don’t become financially rich with Kiva loans, but who are able to maintain crops and cattle for more consistent production, or grow their businesses when weather and market conditions are optimal.

With each new loan received (after years of exclusion from traditional financial services), FUDECOSUR borrowers feel that their work is valued and more important than ever. With each successful harvest supported by Kiva loans, farmers stand taller. Single mothers raising pigs which give birth to litters of 6, or chickens producing piles of healthy eggs, radiate with a newfound belief in themselves as capable and successful providers for their children. Sons producing more abundant coffee beans or corn with nutrient-rich fertilizers, beam with pride, as they are able to care for aging parents, and feel confident about supporting a future family of their own.

What price tag can you place on the renewed sense of life, optimism, enthusiasm and excitement that comes from feeling valued, confident, competent, capable and hopeful?

The value, in my humble opinion, is priceless.

And though life is not easy for these hardworking borrowers, they are growing wealthy in many ways human beings should be, thanks very much in part, to generous Kiva lenders.

Past Blogs:

Upcoming Blogs:

  • Kiva Borrower Stories and Thanks from The Field
  • Jungle Journals – Adventures in the Wilds of Región Brunca

How YOU Can Help:

  • Lend to a Kiva entrepreneur today!
  • Apply for the Kiva Fellows Program!
  • Join the FUDECOSUR lending team!

Julie Kerr is Kiva Fellow serving in San Isidro, Costa Rica. She currently supports FUDECOSUR (Foundation for the Development of Southern Communities).  FUDECOSUR is a non-profit microcredit provider, dedicated to empowering Southern Costa Rica’s disenfranchised agricultural sector.

18 November 2011 at 12:06 4 comments

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

What´s Easier Than Getting Robbed in Guayaquil?

By Emmanuel M. von Arx, KF 16, Ecuador

As much a therapy session as a blog entry, this is the narrative of a recent robbery incident in Guayaquil: It happened two hours ago and my co-workers and I can still feel the shock in our bones. This day had begun like a normal day: At 7.30am Rubi Chaca – the Kiva Coordinator of Banco D-MIRO -, her 16-year old intern Joel Kenny Matias, and I had met outside of the bank´s headquarters, where we were picked up by Roberto, the official driver of the bank. He drove us to the branch office of Guasmo where we gave a training session to the local loan officers, reminding them about Kiva and explaining to them why it is so important that they keep finding micro-entrepreneurs who agree to be listed with their name and photo on Kiva´s website.

Continue Reading 18 October 2011 at 16:00 9 comments

Bank-O-Mat Under a Hot Tin Roof: Making Non-Profit Microfinance Sustainable

One of FUDECOSUR’s 45 Village Banks - Pueblo Nuevo, Región Brunca, Costa Rica

By Julie Kerr, KF16, Costa Rica
Part 1:  Microfinance Models in Costa Rica – Featuring FUDECOSUR
 
(Check out Part 2 for more adventures in FUDECSOUR village banking)
 

Bump-duh-duh-thump-thump, Bump-duh-duh-thump-thump, Bump-duh-duh-thump-thump WHUMP!!!

So goes the rockin’ and rollin’ commute to remote villages along dirt roads – speckled with basketball-sized boulders, and craters large enough to swallow a small man (that’s where the “WHUMP!” comes in).

Maneuvering these roads with a grin and gusto are FUDECOSUR’s dedicated loan officers:  Geiner Gonzáles Marín, Gerardo Barrantes and Danny Zuñiga. Our destination for each turbulent trip is one of FUDECOSUR’s 45 village banks – which provide the only source of much-needed credit most clients have ever had.  THANK YOU to all Kiva lenders who help make this possible!

As we zig-zag along winding roads trying to avoid the mammoth “WHUMPS!”, we run into traffic. Blocking our path is a fearless bull unspooked by our roaring engine. He stares us down as if to say: “This is my road, buddy, and I refuse to moooooove”.  As we inch forward, gently nudging his bum with the bumper, he finally decides to amble on.  Then our ascent is blocked by a bulldozer shoveling landslide debris off of the road.

While we wait, I savor the warm sounds of humming insects, and whispering laughter from palm leaves rustling in the wind. I take in the views of lush, green valleys and farmland terraced along the hills and rising mountains.  Coexisting with carefully planned crops of fire red coffee beans, sugar cane, corn, and legumes, are patches of wild, unclaimed land full of sweet lemon trees (yes – the lemons here are sweet), bright fuchsia bananas (which are mostly eaten by the birds) and miniature yellow bananas (which humans find sweet and delicious). Wild avocado and coconut trees can also be found, and like the sweet lemons and baby bananas, they are free to those who wish to indulge. Have I landed in Heaven??

Our vehicle lunges forward, and I’m whisked out of my glassy-eyed daydream of staying here forever. We pass pristine waterfalls tumbling down the mountain, across the road, and down into whitewater rivers which snake through the valley below.  Aaah… slipping back into my daydream again… I’ve grown so accustomed to the rhythm of the roads that the “Bump-duh-duh-thump-thump” now serves as my lullaby.

WHUMP!  We arrive at the village bank.

Perched on a verdant plot of land amidst pastures of feeding cattle, or rising food crops stretching  toward the sun, are many of FUDECOSUR’s village banks. Some village banks are simple one-room structures with a burning tin roof shading us from the elements.  Other village banks operate out of a farmhouse kitchen or living room.  All village banks are a part of FUDECOSUR’s mission to bring financial support to the doorsteps of disenfranchised populations.

Due to the isolated nature of the farming communities we visit, most residents have never had a savings account. The absence of national banks in these remote areas has excluded much of the agricultural sector from financial savings and borrowing opportunities.  In order to qualify for a loan, national banks often require costly cash deposits – which most farmers can’t pay, since they rarely have savings accounts. Without access to savings accounts, farmers often purchase a pig or a cow with remaining cash.  These animals serve as the farmers’ insurance plan, and are sold when large sums of money are needed for emergencies (such as unexpected medical expenses).  While farmers are able to subsist without access to credit, it is extremely difficult, at best, to increase living standards or to recover from natural disasters (such as floods or blight) or major health emergencies.

Filling this vast credit void is FUDECOSUR  (Foundation for the Development of Southern Communities)  –  A non-profit microcredit provider, dedicated to empowering Southern Costa Rica’s agricultural sector.

Besides providing loans for expansion of crops and livestock, FUDECOSUR also provides Family Well-Being loans, which cover medical, educational and home renovation expenses.  Such loan diversification ensures that struggling farmers are not forced to sacrifice one essential need (such as money to purchase seed and fertilizer) for another (such as money to pay for life-saving medical treatment).

To facilitate easy repayment based on agricultural development and sales cycles, FUDECOSUR offers loan terms of up to 3 years, with annual rather than monthly principal repayment terms. Loan terms are also restructured to help borrowers overcome crop and cattle losses from natural disasters (such as floods and blight), and financial losses due to health emergencies.

To ensure credit services are easily accessible, affordable and sustainable, FUDECOSUR literally brings banks to remote villages in need. Leveraging dedicated volunteer networks, existing social infrastructure and building facilities, FUDECOSUR maintains low operational and servicing costs, and minimal environmental impact, while building community cohesion, and opportunities for community members to thrive.

How The Village Banks Operate:  Volunteer Power!

Village Bank operations in action: Santa Elena, Región Brunca, Costa Rica. Tables to the left serve clients repaying interest, while tables to the right serve clients soliciting or receiving money for new loans.

FUDECOSUR’s Village Banks (also known as Credit Committees) are run by 5-7 dedicated volunteers, who are elected every 2 years by members of their community.  Partnering with FUDECOSUR’s loan officers, Credit Committees are responsible for disbursing loans to borrowers and collecting loan payments.

As farmers with intimate knowledge of the land, and personal experience with members of their community, Credit Committees are also charged with deciding which business proposals are most apt to thrive from a micro-loan.  If an unprofitable business proposal is presented (such as planting crops in areas not conducive to successful crop production), the hands-on farming expertise of Credit Committees is leveraged, to help prospective borrowers come up with alternative proposals, which will generate positive growth, and help borrowers thrive.

Where The Village Banks Operate:  Mi Casa Es Tu Casa!

Village Bank in Cedral de Cajón, Región Brunca, Costa Rica

To ensure zero resources are spent on office construction, rent or maintenance, Village Banks operate out of existing community structures, such as a tin-roofed central market shelter, or the homes of Village Bank (Credit Committee) members.

And, since Village Banks operate in villages where borrowers reside, clients avoid costly money and time expenditures, required for travel to distant towns or cities (where national banks reside).  In short, the proximity of the village banks to clients ensures unprecedentedly easy and consistent access to credit services.

When The Village Banks Operate:  After The Cows Come Home!

Kiva borrower traversing the farmland he works: Administración, Región Brunca, Costa Rica

To accommodate the demanding work schedules of agricultural borrowers, Village Banks meet every 2 weeks, on recurring set dates (i.e.: every first and third Tuesday of each month). Bank meeting times start in the late afternoon (2pm, 3pm or 4pm) to allow borrowers to meet essential crop cultivation and livestock care demands. As such, borrowers are able to access credit services without sacrificing critical production tasks and wages.

At each meeting, debt principal and interest payments for existing loans are collected, while money for new loans is solicited and disbursed.

Homeward Bound:

Road to Cedral de Cajón, Región Brunca, Costa Rica

After the 3-4 hour bank meeting ends, we bid warm farewells, with new loan profiles and hopes for better futures in hand (thanks to the generosity of Kiva lenders).

By the time the loan officer and I reach home (FUDECOSUR headquarters in San Isidro), a 10-13 hour day will have passed.

Once I reach my cozy, tin-roofed apartment, echoes of “Bump-duh-duh-thump-thump WHUMP!!!” serenades will lull me to sleep, and ring out again at the start of my next adventure.

Other Blogs:

Upcoming Blogs:

  •  Jungle Journals – Adventures in the Wilds of Región Brunca
  •  More Than Microfinance – FUDECOSUR’s Free Community Development Courses

How YOU Can Help:

  • Lend to a Kiva entrepreneur today!
  • Apply for the Kiva Fellows Program!
  • Join the FUDECOSUR lending team!

Julie Kerr is Kiva Fellow serving in San Isidro, Costa Rica. She currently supports FUDECOSUR  (Foundation for the Development of Southern Communities). FUDECOSUR is a non-profit microcredit provider, dedicated to empowering Southern Costa Rica’s disenfranchised agricultural sector.


6 October 2011 at 16:45 6 comments

A Song and a Wheelchair Ramp for a New Bank

By Emmanuel M. von Arx, KF 16, Ecuador

What do a song and a wheelchair ramp have in common? If you are a corporate lawyer in Ecuador, you may know the answer. Everybody else, please read on.
Only recently I learned that my host and Kiva´s partner organization Banco D-MIRO has its own company song! It combines a memorable piece of poetry with a rather inspired composition. A recording follows!

Continue Reading 28 September 2011 at 18:00 2 comments

What are Chances of Meeting a Kiva Borrower in Guayaquil?

By Emmanuel M. von Arx, KF 16, Ecuador

Taxi drivers were not in the forefront of my mind when I was walking out of Guayaquil´s international airport into the hot and humid air of this Ecuadorian port city. I had just been welcomed by Rubi Chaca who thankfully was driving me to my hotel. Rubi is the expert in charge of managing the loans made by Kiva lenders at Kiva´s partner organization Banco D-MIRO.
Only minutes before, as my plane was approaching Guayaquil, I had been able to grasp the enormity of this sprawling city. As I was soon to learn, Guayaquil represents a condensed microcosm of the whole country, with all its regions, peoples, and customs being represented. It is a place of extreme contradictions and contrasts…

Continue Reading 14 September 2011 at 16:00 8 comments

The Velvet Season

“You are lucky,” my taxi driver tells me. “You have arrived in the best time in Georgia!”

After two weeks here in Tbilisi, I have to agree. September to November brings The Velvet Season; when the sun is no longer scorching hot, but still warm enough to enjoy swimming, local parks and outdoor cafes without the huge summer crowds. Georgia is blessed with abundant crops of the season; apples, berries, peaches, plums, tomatoes, and of course, grapes. Did you know that Georgia claims to be the oldest wine producing region in the world? With over 500 indigenous grape varieties, wine and wine making are a huge part of Georgia’s unique culture.

Ready for the harvest!

Peak of perfection

Churchkhela- almonds and hazelnuts hand-dipped in grape must. Yum!

Chilled watermelon

Tbilisi's sulfur baths and garden

Check out Kevin Mihelic, KF12′s excellent post on Georgia’s recent economic and political struggles. The government has been working hard to attract foreign investment and progress is evident in the construction of modern buildings and upgraded services all over Tbilisi, however around 30% of all Georgian’s are living below the poverty line and much of the agriculture in Georgia is limited to subsistence farming. With approximately 55% of Georgia’s labor force working in agriculture, I was happy to learn that Kiva’s lending partner Credo has some innovative products for rural borrowers, including crop insurance loans at a ZERO percent interest rate.

A farm house near the Russian border

Georgia has yet a long way to go to stabilize its economy, but even in the aftermath of the 2008 conflict with Russia and the global financial crisis, conditions in Georgia are slowly improving. Corruption is a thing of the past. Clean water systems and electricity (at least in the capital city of Tbilisi) have been modernized. My taxi driver friend was right- I am lucky to be here at this time. Come November, the icy winter winds may blow, but I hope The Velvet Season, and a time of warm growth, continues in Georgia for a long time to come.
Fishing on the Mtkvari river

Fishing on the Mtkvari river

DJ Forza is a Kiva Fellow working with Credo in Tbilisi, Georgia. To learn more, please visit Credo’s partner page, join the Georgia lending team, and keep an eye out for Georgian loans on Kiva.org.

12 September 2011 at 08:51 19 comments

A Fistful of Dollars, Behind the Scenes: Volunteer Editor Helps Kiva Entrepreneur Reach Her Goal

Like the windshield on a motor-taxi in Phnom Penh rush hour, transparency is vital to Kiva’s survival. To give interest-free loans, lenders deserve to know that every cent of their money is being distributed exactly as promised, whilst borrowers have the right not to be misrepresented.

An important aspect of this transparency, and one which Kiva takes very seriously, is the integrity of the data on its website. Allowing inaccurate data is the first step towards encouraging fraud on the site, which would have severe reputational consequences for Kiva.

A key data check is performed between the time the loan is posted by the MFI, and when it goes live on the website ready for funding. At this point every loan is reviewed by one of a team of over three-hundred online volunteers. These language gurus work from all over the world to translate loans posted in foreign languages and edit those posted in English by Kiva’s field partner microfinance institutions.

This is a crucial link in the chain of events, not only because it ensures that Kiva lenders can understand business postings and thus make informed choices, that lenders are represented with dignity and clarity, but also because it is the one time that every single loan is scrutinized. Editors can, and often do, flag issues ranging from missing information in the loan description, double-postings, loan amount discrepancies, inconsistencies or problems with the borrower picture, to potentially controversial loans, such as a loan for a cockfighting business.

The Editing and Translation volunteers range from a high school microfinance club, to returned Peace Corps volunteers who want to continue contributing to the country where they were stationed, to young mothers home with their children who want to reach out to make a difference, to retired English teachers and technical writers. They are located on six continents around the world.

In my last blog I posted a video which followed a loan from London to Cambodia (A Fistful Of Dollars: The Story Of A Kiva Loan). The client that featured in the video was the smiley and exceptionally accommodating Van Makara, whose loan was posted by field partner AMK and selected by Danielle Lieu and my other ex-colleagues in London to be the recipient of their $25.

When the loan was posted to the Kiva website by Sophanith at AMK, it landed in the work-queue of Lorne Warwick, a retired high school english teacher. He immediately got to work checking the loan posting and editing the English to make it easily comprehensible (perhaps he should have edited this introduction too). His edits can be seen below.

Lorne Warwick has edited over six hundred loans in the past four months alone. And while no-one will ever really understand the complex algorithms running within Danielle Lieu’s brain that made her pick Mrs Van Makara for her first Kiva loan, it’s certain that Lorne’s edits did a fantastic job of making the loan posting infinitely more readable (ideal for people who are sifting through Kiva loans in the office when they should really be working).

test

Lorne Warwick: An Editor and a Gentleman

Lorne, a keen blogger himself, kindly agreed to write about his involvement in Kiva and what goes into the editing process. This is what he wrote:

Entry by Lorne Warwick, Kiva Volunteer Editor

As the editor of the loan to Mrs. Van Makara, the subject of the excellent video, “A Fistful of Dollars: The Story of a Kiva.org Loan,” I have been asked to write briefly about my involvement with Kiva and what goes into the editing process.

A retired high school English teacher, my path to Kiva was largely serendipitous. In my first year of retirement, I purposely avoided making any commitments that would impose specific structure on my day, since structure was something that had defined my professional existence for 30 years. Content to take each day as it came, I busied myself with small home-improvement activities (never quite finding time for that major renovation needed in our basement!), an education research subcontract, and some sporadic writing.

My second year found me with a desire for a little more structure, so I began volunteering at a local food bank sorting and shelving donations. The very immediate results wrought by strictly physical effort were and still are quite gratifying. However, as time went on, I began to want to be of more service to others, never forgetting how fortunate I was to have been able to retire while still in my fifties, healthy and financially secure. The thought of paid work held no appeal. After becoming a lender with Kiva, one day I noticed a button on the site that said “Do More,” and to my delight found that the organization was seeking editors. The rest, as they say, is history, and I have now been editing loan descriptions for the past year, usually assigned two sets (with an average of 12-15 per set) each week by Kristy Harrison, one of Kiva’s volunteer coordinators living in England.

Perhaps the most powerful inducement for me in editing loan descriptions stems from my work as a teacher. I always had a special respect and admiration for those students who came to me, not to complain about their mark or try to wheedle a few extra points out of the old man, but rather were genuinely motivated to try to better their academic results. Essentially, they said, “I want to improve my work, and I want you to help me to reach that goal.”

Expressing such a desire meant I was at their service, and, in partnership, as long as they maintained that attitude and commitment, progress invariably ensued – progress not sudden and spectacular, but instead slow and steady. At the end of term, students would sometimes thank me for my help, but I would tell them that they had done all of the hard work – I had merely provided a framework and structure for their efforts.

This is precisely how I feel about Kiva, its mission, and my small role within the organization. The people seeking loans, already vetted and assessed by local Kiva financial partners, are the ones who bring the commitment, the motivation, and the goals to the deal – we are merely the conduit by which those goals can be achieved. Like the students I worked with for so many years, they have my deep respect and admiration, and I am happy to be of service to them.

Which brings me to the other aspect of Kiva that I find so immensely appealing: its model does much to renew the human spirit. I am convinced that the desire to help others exists in most of us, but this spirit of philanthropy needs regular cultivation. For example, many people have specific charities to which they regularly donate, and are quick to respond to pleas for money when natural and human disasters happen. However, these contributions are often made to large and seemingly faceless organizations tasked with dispersing the funds in a responsible and ethical manner. Our involvement in assisting the lives is thereby quite limited. The Kiva model, however, invites on-going participation in the lives of the borrowers, first as we select the region, the entrepreneurial activity and the borrower, and later as we can track the success of the loan through its repayment. The entire process is a steady reminder that we, as individuals, can indeed have a positive effect on the lives of our fellow human beings.

Kiva is an organization powered by a vision that is ideal for the times in which we live. While the events of the world and the actions of our leaders may frequently invite despair, Kiva is a vital reminder of the good that still exists, indeed thrives, in the heart of humanity. I feel privileged to be a small part of its efforts.

_____________________________________________________

Postscript

To view two more examples of loan edits, go to the following links

Zinllahbodin’s loan revisions

Cecilia Andoh loan revisions

And to see a short video of live editing as it happens, check out the Cecilia Andoh loan live editing video

_____________________________________________________

If you or anyone you know would be interested in becoming part of the Volunteer Editing and Translation Team at Kiva, visit http://www.kiva.org/about/opportunities/ and follow the appropriate links.

28 January 2009 at 23:03 6 comments


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