Author Archive
The Dangers of Being an MFI Loan Officer
Imagine you’re a loan officer who’s working for one of Kiva’s partner MFIs. You’ve been traveling around the field, collecting repayments from quite a few clients over the course of the day. It’s getting late, and you’ve amassed a huge amount of cash – the equivalent of a few months’ worth of income for locals. As the sun begins to set, you realize you’re still at least an hour away from the office – an hour’s worth of travel on your motorcycle, over rough roads that are poorly (if at all) lit. What do you think could happen next?
Holiday Greetings – KF9 on Christmas
By KF9, All Over The World
Merry Christmas! This holiday season Kiva Fellows are celebrating Christmas all over the world, in all sorts of different ways. Whether it be traveling, feasting, or working hard to bring you some additional Kiva magic over the holidays, it’s safe to say we’re all thankful to be serving as Kiva Fellows and glad to have found a wonderful community in Kiva.
We wanted to share what Christmas is like for KF9ers out in the field and around the world. So enjoy – and happy holidays!
In no particular order:
Nicki Goh, KF9 Senegal
This coming weekend, the Senegalese have a 4 day weekend with both Christian and Islamic holidays straddling the weekend. I will make the most of the time off work to visit the Sine-Saloum Delta on the Atlantic coast of Senegal – an area where my MFI SEM’s work is extremely important to ecovillagers. The delta is an area of immense natural beauty which is sadly at risk of desertification and where there is a high level of unemployment. This time I will be on vacation but I hope to return there at a later date to meet some of the borrowers for myself. Happy holidays to you all – whatever your religion!
What Do Kiva Lenders Expect to Hear from Kiva Borrowers?
By Eva Wu, KF9 Philippines
Every time I come back from the field, I’m weighed down by videos, photos, barely legible notebook scribbles. Stories from Kiva borrowers, the good and the bad. As I turn these stories into journals I try to imagine what it would be like to be a Kiva lender on the other side, receiving an update on the Kiva borrower that they chose to fund. There’s a lot of joy in sharing the good, the success stories, a cause for celebration. Why we’re proud to be lending through Kiva. But what about the bad, stories of something gone awry? How does it feel, as a lender, to receive those updates?
What do Kiva lenders expect to hear from Kiva borrowers?
After the Deluge – Election Violence and a Tropical Storm in Mindanao
By Eva Wu, KF9 Philippines
The world has been abuzz with Monday’s news of the election “massacre” in Maguindanao, Mindanao. About 50 lawyers, journalists and relatives of local politicians were abducted and brutally killed because of their affiliation with an opposition politician. This horrific event is being followed closely by the international media, including the New York Times and CNN, because it made Monday “the deadliest single day for journalists anywhere in the world” and was also “the worst politically motivated violence in the Philippines’ recent history.” The U.S. Embassy in Manila issued a travel alert on Wednesday as a result, because of “heightened tensions” and “significant military presence” in Maguindanao.
Ironically, while news of the Monday killings shocked the world, it hasn’t physically affected people here in Northern Mindanao quite as much as another news event which, in contrast, made just a small blip among international media outlets – tropical depression Urduja, which hit the area on Tuesday and caused flooding and landslides in Northern Mindanao. (Incidentally, no U.S. Embassy alert on the tropical storm thus far. Not one that I’ve received, anyways.)
The water had a bit abated by Wednesday morning, but across the street from the office people were wading in water up to their hips. A HSPFI colleague said the traffic island was completely flooded over when he looked outside at 3AM.
The Savings behind the Interest
By Eva Wu, KF9 Philippines
Having followed the recent debate over Kiva’s transparency and the P2P model, the main critique that stuck with me was that there should be more transparency on Kiva’s partner MFIs. This resonated with me because I believe that Kiva has, on the whole, picked out partner MFIs that do amazing work and have really compelling stories to tell about their organization. So in that spirit, I’ve decided to share more details here about some of the products and services that my host MFI, Hagdan sa Pag-uswag Foundation, Inc. offers. In addition to lending, Hagdan also offers a mandatory savings program, insurance programs, and leadership/business trainings. Hagdan also runs community development programs out of a different part of the organization.
Before I dive into those services though, I want to devote this post to HSPFI’s interest repayment policy. Over the last six weeks I’ve realized that my understanding of the details is sadly lacking. So one weekend when I was in the office, I grabbed Sir Melchie Badion, HSPFI Internal Auditor, and asked him for a detailed rundown. Knowing that interest payments cover much of an MFI’s operational costs, I wanted to make sure I had everything straight in my head from start to end.
The Most Bizarre Client Interview (Part 2 of 2)
By Eva Wu, KF9 Philippines
Bizarre is probably not the best word to describe this client interview, but without a doubt we were intrigued and utterly fascinated by the alien-looking blob we saw sitting pretty before us. Corroi, HSPFI‘s Kiva Coordinator and I found ourselves staring at a live (or semi-live) sea cucumber during a visit to HSPFI client and Kiva borrower Ann Lagrada on Camiguin Island.
(This is the second part of my “most memorable client interviews on Camiguin” series – check out “The Most Beautiful Client Interview (Part 1 of 2)” if you haven’t already!)
(If you have a soft spot in your heart, an ongoing and lasting fondness for sea cucumbers like the one above, and the thought of chopping/prepping a sea cucumber for consumption would cause you much undue stress, do NOT click on the “more” link.)
The Most Beautiful Client Interview (Part 1 of 2)
By Eva Wu, KF9 Philippines
I experienced a lot of firsts during my week in the field visiting HSPFI‘s Camiguin Branch. Some good, some intense, all of it exciting. Amongst all these firsts, I’m convinced that I witnessed on Camiguin Island both the most beautiful and the most bizarre client interviews that I’ll get to conduct while here in the Philippines. This post is about the former – check out the latter at “The Most Bizarre Client Interview (Part 2 of 2)“! 
A bit of background on Camiguin – I had been excited about this outing for quite a while, because all of my HSPFI co-workers kept telling me about this “island of paradise” that has hot and cold springs; a walkway through an old inactive volcano with stations of the cross that Filipinos from all over visit during Lent; the sweetest lanzones in the Philippines; a sunken cemetery.
Camiguin - A View of the Volcanoes
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Bayanihan from Cagayan de Oro, Philippines
By Eva Wu, KF9 Philippines
Two days ago I learned that bayanihan means a community coming together as one, with lots of love and support – this is the way of Filipino culture. I feel like this is a perfect word to describe everything that I’ve experienced since becoming a Kiva Fellow. With all the news about how recent typhoons have ravaged the Philippines, I’ve received an outpouring of emails inquiring about how the situation here. I’m happy to report that Cagayan de Oro City, located in the southern region of Mindanao in the Philippines, has largely been spared from the recent storms. Our thoughts however go out to the folks living in the affected areas in the north, particularly Manila and the greater Luzon region.
