Posts tagged ‘women entrepreneurs’

The Women of MCDT

By: Abhishesh Adhikari

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One of the Kiva partner MFIs that I am helping in Uganda is Micro Credit for Development and Transformation (MCDT.)  It is based in Kampala and provides financial services primarily to low-income women who come to Kampala from remote areas of Uganda. Even though the average loan size for a borrower at MCDT is only about $200, it is amazing how impactful the loans have been in helping these women become financially independent.

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8 July 2013 at 16:42

Standouts in Bolivian microfinance: Spotlight on Kiva partners ProMujer and Emprender

By Isabel Balderrama | KF 17 & KF18 | Bolivia

On my last post I outlined some of the difficulties of working and living in Bolivia. Marches, protests, and strikes from nearly every sector of the population make it hard for any organization to conduct business here in La Paz and its surrounding areas. Yet there are plenty of Kiva’s partners that manage to do a great job despite any and all local challenges.

Continue Reading 12 August 2012 at 07:00 2 comments

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

Retail Consumers as Micro Lenders + What is FITE? + Maya Entrepreneurs Supported by FITE

By Kimberly Strathearn, KF 16/17, Turkey

Dermalogica Lending team logo

joinFITE logo

joinFITE logo

joinFITE lending team logo

On January, 2011, Kiva.org announced its partnership with Dermalogica (a leading international skin care brand) and other partners to launch joinFITE.org in order to provide micro loans to women entrepreneurs in low-income regions of the United States and 56 other countries.

FITE is a global empowerment platform that is designed to cultivate Financial Independence Through Entrepreneurship (FITE) by providing women entrepreneurs access to small loans that will help them start or grow a business thereby bettering themselves, their families and their communities; and to help educate the public at large about the benefits of empowering women entrepreneurs.

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8 June 2012 at 08:00 2 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

Update from the Field: Kiva’s new coffee partner and female empowerment in the Middle East

Compiled by Isabel Balderrama | KF17 | Ecuador

Having been in the field for a little over three months now, KF-17 fellows’ posts begin taking a retrospective look at what has been accomplished over the past few months while working with their different MFIs worldwide. From having played a role in getting a new kind of Kiva partnership up and running to working with two MFIs dedicated to helping women get ahead in male dominated Palestine, it is clear that this is the time for a Kiva Fellow to reflect on his or her accomplishments, as well as those of the MFIs they have been involved with. Read this week’s posts to find out more about the exciting experiences that two of KF-17′s members have had during the lenght of their fellowship.

Continue Reading 14 May 2012 at 09:00 3 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

Tulip Mania, Tulips are from Turkey not the Netherlands + Maya’s Only Florist + Fast Flower Facts

By Kimberly Strathearn, KF 16/17, Turkey

April 7 -29, 2012 is this year’s date for the 7th International Istanbul Tulip Festival which is organized by the Istanbul Metropolitan Municipality.  Being a national symbol of Turkey, tulips have had a major role in Turkish arts and culture for centuries. Not to mention it is the current official tourism symbol.

The Tulip Festival is held each April and the city parks, squares, and gardens are blooming with millions of tulips of every color. This year over 11.5 million tulips of 104 different varieties have been planted throughout Istanbul.  Various parks and squares will host live concerts, painting and Ebru (marble-painting) demonstrations, Tulip Photography Exhibitions and Tulip Sculpture Exhibitions.

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21 April 2012 at 08:13 12 comments

Secrets of the ELA Sisterhood (Part I)

Andrew Huelsenbeck| KF16 |  Kampala, Uganda

Life is not easy for a lot of young women in Uganda. Many girls in poorer urban areas and in rural villages are regularly confronted with sexual assault, unwanted or unintended pregnancies, HIV, and the list goes on. These girls are also commonly forced to drop out of school early because they can no longer pay fees or because they need to help support their families. With these kinds of hardships, young girls are often trapped in poverty with few, if any, opportunities to develop independence and improve their lives.

Enter BRAC. Four years ago, BRAC Uganda began to address some of these problems by implementing what they call the Empowerment and Livelihood for Adolescence Program (ELA Program). The program is designed specifically “to improve the quality of the life of vulnerable adolescents by organizing them, creating spaces of their own and helping them develop a set of skills so that they can live and grow as confident, empowered and self reliant individuals contributing to change in their own families and communities.”

Because it is set up to achieve so many ambitious goals, the ELA program can seem fairly complex at first glance. In this blog post, I want to outline how the program is organized and talk a little bit about some of the social components of the ELA clubs. And in the next blog post, I’ll talk more about the finance components of the ELA program and about the impact of the program overall.

General Organization of ELA

Meet Barbara. She works extremely hard to train ELA staff and to develop materials for the program. She has also been with the ELA program from the beginning and has an excellent grasp on how the program functions and on how far it has come. In the video below, I asked her about what she’s currently working on and about some of the major changes she has seen in the program over the years. Check it out:

As Barbara said in the video, the ELA program has expanded significantly in the past few years and as a result, has become much more decentralized. A colleague at BRAC once joked with me: “anyone who says they understand everything that’s going on with the organization is crazy.” Yet somehow, the program functions with uncanny efficiency.

ELA Management

Each ELA girl is a member of a local club, which is organized and managed by a mentor. There are currently a total 785 clubs, which are located all across Uganda. In general, clusters of about 10-15 clubs are linked to Branch Offices based on proximity. Each branch office has a Project Assistant who is responsible for supervising all of the clubs associated with the branch and for helping the clubs to strengthen their relationships with surrounding communities. The Project Assistants report directly to the Area Coordinators, who are responsible for overseeing a handful of Branch Offices in a specific district. Area Coordinators report to Regional Coordinators, who then report to the Uganda Program Manager. The program manager is responsible for overseeing all big-picture aspects of the program and is stationed mainly at the BRAC Country Office in Kampala.

Microfinance Staff

The ELA microfinance, which is recent addition to the ELA program, requires some additional staff members. At the branch level, there are Credit Officers, who are tasked with overseeing all the financial components of the program. ELA microfinance also has its own set of Area Coordinators, who are responsible for managing microfinance at multiple branches and must be present at all loan disbursements. The microfinance Area Coordinators also report to the Regional Managers and to the Program Manager. Every month, all of the Area Coordinators meet with the Program Manager at the Country Office to review the performance of their clubs and to discuss how to improve the program.

Club Houses  

The space used for the program consists mainly of extensions of community member’s houses, or of  public buildings rented by BRAC from local governments. This is the main space where club members and mentors meet six afternoons per week. The clubs also use community sports fields for certain athletic activities.

How to Join

The requirements to join a club aren’t strict at all. Any girl between 13 and 21 years old, who is a permanent citizen of Uganda and who can pay the 2,000 UGX (~$0.80) admission fee can join. All she really has to do is approach the local club’s mentor and ask.

The Social Components of ELA Clubs

Community Participation

One thing that is emphasized over and over again when discussing the ELA program with BRAC management is community involvement. From what I was able to gather, this happens in mainly two ways. The first way is called a mothers forum. Once, every two weeks or so, the Project Assistant from the branch will get together with the mothers of club members to discuss the club programs and things that the mothers can do to help empower their daughters. Another way that the community is involved with ELA clubs is through community leaders’ workshops. These are events where prominent female figures from the community visit a club to talk to the girls about sexual health, life challenges or a host of other topics.

Life Skills Based Education

The ELA program also provides girls with resources to learn more about life challenges and how to overcome them. The clubs focus on a wide range of topics including reproductive health, menstruation, familial and community responsibility, leadership, bride price, early pregnancy, STIs, family planning and rape. Mentors will normally focus on one aspect of one of these topics every day, and occasionally guest speakers will come to the clubs to give presentations to the girls. BRAC has also published books on each of these topics consisting of general advice and collections of stories from the lives of ELA girls.

Just below is a kind of introductory story from BRAC’s book on family planning. It’s called “Tough Times,” and is mainly about a young, 20-year-old woman named Stella and her struggle through her second pregnancy. It emphasizes the importance of leaving time between births.

Last year, in 2009, I got married to Mike, a bicycle cyclist.   I’m now five months pregnant. I was forced into marriage because my parents never wanted to stay with a pregnant woman. I had long stopped studying due to lack of finances at home.   

Mike stayed in a remote village. Once in a while, when a vehicle passed, every one waited in anticipation of their relative.  City people are claimed to be rich since they always carry with them so many gifts. In the village the main source of livelihood is agriculture and most of the farming done is for consumption. 

As it was my first pregnancy, I lacked knowledge on how to care for myself. Friends, however, encouraged me to visit the health centre for checkups.  

Throughout the pregnancy, I visited the health centre only once.  The long distance discouraged me form frequenting the place. I also lacked the money to receive the medical attention I needed. As a result, a traditional birth attendant helped me to give birth to my first child. She was easily available and cheap. 

Much as Mike tried so hard to meet every need of the family, the poor man failed. To make matters worse, I conceived again after ten months. This also affected our daughter so much. She was ever sick and crying. I also stopped breast feeding her since e I was down with morning sicknesses and the general discomfort that comes with pregnancy.  Eating also became a problem since we could only afford one meal a day. 

When it reached birth, Mike was able to gather some money to transport me to the health centre. I delivered with the help of the nurse, but I faced severe complications. I almost bled to death. I was weak and anemic. My baby looked so sick that I doubted his survival.  My daughter was stunted. Having two children in a couple of years was too much for me and it also strained my husband a lot.

The nurse advised me to go back for postnatal care, with my husband. She later explained that child birth was the most risky incidence and a threat to the woman’s health and that of her baby. She emphasized the need for birth spacing if we were to take good care of our children’s health and needs.

When the nurse had finished talking, it surprised me that I was so ignorant about family planning methods and birth spacing. Use of contraceptives would give me enough time to properly heal and properly take care of myself and the children before getting unexpected pregnancy. 

Since then, I have learned to use contraceptives.  I plan on waiting for my two children to properly grow before I conceive again. It is also important that I get a job so that I can supplement on Mike’s income. This will help us to properly take care of our family and keep it happy.  

Club Activities

To me, the club activities are in a big way the heart of the ELA program. They afford the ELA girls a daily opportunity to take a break from adversity, to talk about their experiences and to learn from one another.

Towards the end of my fellowship, I was lucky enough to visit the Kanyanya Club in the Zanna district in Kampala. Just before lunch one day, I hop on the back of a boda boda and speed just a few kilometers up the road to the main traffic hub in Zanna. I pick up two oily, floury pancakes called chapattis for lunch, then march off of the main road, back into the Zanna “slums” to find the Branch Office. I get a little lost on the winding backroads, but am only a few minutes late – Uganda style.

Once at the office, I am greeted warmly by the Project Assistant and an Area Manager I’ve met before. The three of us travel up about two kilometers of steep, dusty roads in the hot afternoon sun. It would have been much easier to take a boda boda, but the project assistant had recently been in an accident and really didn’t want to take any more chances. Just as I think I am running out of steam, we reach the top of a huge incline, descend down a short lane with lots of tree shade, and finally arrive at the club house.

It’s around two o’clock, and more and more girls filter in over the next hour. Many of the members aren’t around because they’ve gone to visit family in the villages for the holiday, and many of the girls that show up are also a bit drained from the intense heat of the sun. We still have a great time playing board games and dancing. Fortunately, I have my Flipcam and am able to grab some great footage of the club house and of the girls. Enjoy!

Andrew Huelsenbeck is a Kiva Fellow who worked in Kampala with BRAC Uganda. To learn more about BRAC, please visit their Kiva Partner Page. If you are interested in helping to empower one or more of BRAC’s many wonderful entrepreneurs, you can join the Friends of BRAC Uganda lending team or check out new BRAC Uganda loans on Kiva.org. Happy lending!

4 February 2012 at 00:57 3 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

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

What does Microfinance “look like” in the US?

By: Kimia Raafat

I had my doubts about microfinance in San Francisco. Having 7 months of work experience at microfinance institutes in Ecuador and Paraguay, the images I associated with South American field visits (see two photos below) included cane homes, wooden kiosks, rural shops and unpaved roads—slightly different from the “techy”, modern Silicon Valley/San Francisco state of mind.

Continue Reading 23 July 2010 at 16:53 6 comments

Women in the workforce

Tashbubu spinning wool into yarn, photo by Rob Cavese

By Rosalind Piggot, KF10, Tajikistan

“Apparently women entrepreneurs are able to raise funds more quickly than men in the world of Kiva,” wrote Peter Tashjian in his recent post.

Peter confirmed what I had long suspected. Through lender pages and meetings with other lenders, it seemed that Kiva’s women entrepreneurs had more of a following than men.

With this in mind, I thought I’d add a post on women in the Tajik workforce. In my experience, many Tajik women do conform to traditional gender roles. But, at the same time, (more…)

3 July 2010 at 04:21 4 comments

A Kiva Borrower’s Christmas Store

by Julie Pachico, KF9 Mexico

I had the good fortune to visit the business of Kiva borrower Carmen Patricia Urquidez here in Nuevo Laredo, Mexico. Carmen Patricia (or “Pati” as she likes to be called) runs a little stall in front of her home where she sells holiday-themed merchandise. Right now her store is filled with lovely Christmas decorations: bells, ornaments, trees, Santa hats, lights, and light-up frames of the Virgin de Guadalupe. She even makes beautiful handmade wreaths to hang over windows and doors.

Here’s a video (with subtitles) of Pati’s business, in which she gives us a little tour of her stall, shows us her handmade wreaths and talks about her Kiva loan. She also discusses her hopes and plans for the future of her business and her family, and sends a message of thanks to Kiva lenders. Click “more” to continue reading about Pati’s business and life!

(more…)

3 December 2009 at 16:13 15 comments

“Nuestra Capital Semilla” (Our Seed Money)

By Sheethal Shobowale, KF9, Peru

My first loan disbursement outside of the Asociación Arariwa office took place in San Sebastian, an area of Cusco about 15 minutes away from the office.

This group meeting was my ideal picture of group microfinance.  Banco Comunal de Maria Auxiliadora is a group of 11 low-income women from Cusco, engaged all all different types of businesses, from cosmetic and grocery sales to artesanía.  They had failed to make their repayments on time in their last loan cycle but this time, Valentina, their loan officer was determined for them to succeed.

(more…)

28 October 2009 at 09:10 20 comments

Chia Buồn

By Hanh Tran, KF8 – Fund for Thanh Hoa Poor Women (FPW) – Vietnam

I never leave home without my camera these days. But there are many instances when I fail to pull it out in time to capture some of the interesting things I pass on the street everyday.

Peddling Bamboo

Peddling Bamboo

Then there are times when I am tired of filming or when I capture a moment on video and find myself debating what I should do with it. When you are interviewing people each day and they trust you with their stories, it’s a great privilege – and at times overwhelming. I had one of these moments last week.

Chief Credit Officers, Ms. Ha, whom I’ve grown very fond of, and Ms. Hanh gave me instructions to meet them at Nuoc Mam Thanh Huong for a borrower meeting. This is the area where the popular brand of nuoc mam (fish sauce) is made in Thanh Hoa. I hopped onto a Xe Om (motorbike) and told the driver to take me there. I knew immediately when we had reached the vicinity of our final destination…distinct harsh and pungent whiffs of fermented fish floated through the heavy, humid air. Nuoc mam is a staple of Vietnamese cuisine. I grew up eating many meals with nuoc mam, and still, the scent is too strong for me. I was glad that I had recently caved in and bought a facemask to avoid breathing in the dusty Thanh Hoa air…and in this case, the strong fermented fish odor.

Ms. Ha and Ms. Hoa at a borrower meeting

Ms. Ha and Ms. Hoa at a borrower meeting

(more…)

20 August 2009 at 12:31 2 comments

Close to Home

Total chaos can be beautiful. Horns honk at me from left to right and the vibrations jump from one ear to the other. A river of motorbikes (xe oms) race past my taxi window. There appears to be no traffic lights, no speed limits and few rules. I stop to listen and start to see life—life as it is lived in Hanoi, Vietnam.

Having spent some time in Hanoi as an undergraduate, the bustling sounds of the Old Quarter are familiar and comforting. The streets lined with booming businesses of every sort are images that come to mind when I think about microfinance and entrepreneurship in Vietnam.

As I left Hanoi for Thanh Hoa, where I will be based as a fellow during the next three months, I wondered what entrepreneurship would look like in Vietnam’s second poorest province. During the foggy morning as my train rushed by brilliant shades of green across Vietnam’s lush rice paddies, I could not help but be captivated by the tranquil countryside. It’s raining as I leave the train station and my first sight of Thanh Hoa is a gray, damp and serene scene. (more…)

22 June 2009 at 08:02 5 comments


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