Posts tagged ‘Grameen’
Grameen Foundation and Kiva: Partnering to Bring Life-Changing Agricultural Information to Rural Communities in Uganda
Laura Sellmansberger | KF19 | Uganda
Kiva recognizes the unique power of the interest-free capital it provides through its lenders. The zero-interest aspect of Kiva’s loans enables its partners to act boldly and to try new things, to go the extra mile to reach new groups of people, and to fund loans that Kiva characterizes as highly catalytic. Kiva uses the term highly catalytic to describe initiatives that not only help to provide financial independence to the poor, but also produce far-reaching effects that transform the lives of the people in the borrowers’ communities. Such loans may contribute to green energy and solar power endeavors, education initiatives, water sanitation projects or even agro-technology advancements.
Grameen Foundation is an organization that is going above and beyond to bring highly catalytic programs to Uganda. For this reason, Kiva has chosen to make Grameen Foundation AppLab its first nontraditional partner here. Starting this week, participants in Grameen Foundation’s Community Knowledge Worker (CKW) program will be featured on Kiva.org.
The CKW program is made up of a network of peer-nominated “farmer leaders” across Uganda who use mobile devices to share expert agricultural information with their small-holder farmer neighbors living on less than $2 a day. Community Knowledge Workers use the information provided by applications on their smartphones to help their fellow farmers improve crop yields and to reduce the costs of adopting new agricultural practices.
The CKWs also collect information from the farmers in their communities through phone-based surveys. This information is then used to help other poverty-focused organizations that Grameen Foundation works with, including government organizations and NGOs, improve and expand support services for farmers. The CKWs are paid small monthly salaries based on the number of information searches and surveys they complete. These salaries supplement – and sometimes even double – the amount that the CKWs earn as smallholder farmers themselves.
As a Kiva Fellow working at Grameen Foundation, I have had the opportunity to observe the mechanisms of this project first-hand, and to see just how much work goes into the maintenance and expansion of this incredible program. Over the course of the past five weeks, I have accompanied Grameen Foundation field officers on multiple trips to the central Ugandan district of Masaka. During these trips, I was able to see the various steps taken while selecting and preparing a CKW for his or her new role.
1. Community Mobilization
During this critical phase, Grameen Foundation field officers first meet with community leaders in the area and explain the CKW program to them, as well as the positive change that it will bring to the community. After obtaining buy-in from these influential people (which is absolutely imperative to the success of the program), a time and place are then identified for a village meeting, which takes place about one week later. The village meeting can last anywhere from a few hours to the entire day. A Grameen Foundation field officer explains the CKW program to the attendees and ensures that the program will have adequate support from the community. After confirming this, a date and time are set for a recruitment meeting, during which a CKW will be selected to serve his or her village.
The recruitment meeting should be heavily attended. If enough people fail to show up to constitute a fair vote, the meeting must be rescheduled (this is quite common since time and information are managed in a very different manner here than you readers may be used to – I must say, the Grameen Foundation field officers are some of the most patient people I have ever met!). If enough people attend the meeting, then the nominations can begin. The Grameen Foundation field officer lists the prerequisites that an individual must have to effectively serve his or her community as a CKW, and also explains what kinds of additional qualities voters should look for in their candidate (someone who has served the community in the past, someone who is reliable and can be trusted, etc.). The nominees each make a speech touting their qualifications, and then the voting commences. Things can become quite heated at this stage, as people may have starkly different opinions on who should be selected for the position. After voting takes place, a winner is announced. A Grameen Foundation field officer then visits the CKW’s home to discuss the details of the position with his or her family, since the role is time-consuming and family support is essential.
After the CKWs have been selected by their communities, a training session is held for each district. I went to the four-day training in Masaka, which was attended by 47 CKWs from the surrounding villages. During training, CKWs are shown how to operate and take care of their materials (the smartphone, solar charging device and weighing scale). Innovative farming techniques are discussed and participants are prepped for their new roles as information agents and community leaders. The Grameen Foundation training team is absolutely extraordinary – they spend weeks at a time on the road, teach sessions late into the evening, and never lose their enthusiasm or patience. Since this is the first group of CKWs who are to be funded by Kiva loans, I also had the opportunity to give a presentation on Kiva and its backing of the CKW program. The response was incredible and the CKWs warmly showed their appreciation for Kiva’s support by giving me a wonderful handwritten letter on the last day of training.
The CKW initiative is a program that is truly in line with the broader mission of Grameen Foundation: to enable the poor, especially the poorest, to create a world without poverty. Information is power, and by creating access among rural farmers to information, Grameen Foundation empowers them to create better economic conditions for themselves, their families, and their communities. You can be part of these efforts, too – lend to a CKW today on Kiva.org!
Laura Sellmansberger is a member of the 19th class of Kiva Fellows, working at Grameen Foundation in Kampala, Uganda.
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).
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.
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.
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.
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.
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!