Posts filed under 'KF8 (Kiva Fellows 8th Class)'
Kiva Update from PBS Frontline World
Suzy Marinkovich, KF8 Peru & KF9 Bolivia
One of the most exciting things about being a Kiva Fellow is the opportunity to tell the untold stories of those so remote, so rural, and so ignored by the media. When there are six billion humans sprinkled across the world, the media has the unenviable task of (more…)
1 comment 18 November 2009
Kiva, Transparency and P2P Microlending
by Zev Lowe, KF8 Indonesia
I never knew when I signed up to represent Kiva for 10 weeks in Indonesia that I was also signing myself up for a much longer-term commitment as a Kiva Ambassador. But all jesting aside, as someone who has gone behind the curtain and seen the inner workings of Kiva and one of their MFI field partners, here’s my own personal opinion (not endorsed in any way by Kiva) on whether or not Kiva is actually peer-to-peer microlending.
Continue Reading 9 comments 11 November 2009
Gud Road, Light, Klin Water– Sierra Leone “101″
By Jenny E. Kim, Sierra Leone
My taxi driver Sharif is a 001– he eats 0 breakfast, 0 lunch, and 1 dinner. First started by university students in Freetown, classmates used the labeling system to identify those who were able to share meals and those who could not. The system is a reminder that in Sierra Leone access to basics necessities are limited. Food, clean water, roads, and electricity are all challenges. As the local currency continues its downward trajectory, in no other way does the average Sierra Leonean feel the economic pressures more than he does with food.

Above is a picture of a billboard located in one of Freetown’s busiest intersections, Congo Cross Junction. Sierra Leoneans call their country affectionately by the name “Salone”
One meal a day is common. (more…)
8 comments 22 October 2009
this is not aisle 3
By Shereef Zaki, KF9, Perú
One of my first posts was titled ‘recession proof’’ in which I described the resilience of micro-businesses and the integrity of micro-lending. This time around, I want to detail a theme I had only painted with large brushstrokes.
Although EDPYME Alternativa’s borrowers are scattered throughout the region, I live in Chiclayo and it has become the backdrop and the context of my life. To me, one of the most fascinating parts of this small city is the dearth of big box stores. In their absence exists a constant buzz of small-scale commerce.
Let me describe this vibrant economic landscape. In the center of the city, around the main plaza, there is a mixture of restaurants and shops devoted to clothing and electronics (especially cell phones). As one ventures further from the center, the streets become organized by economic themes.
- A shop selling paint or glass on Avenida Cuglievan
- Another shop selling glass on Avenida Cuglievan
- A string of shops selling paint on Avenida Cuglievan
- An endless stretch of candy shops on Bolognesi selling King Kong*
- A row of salons on Avenida Arica
- Four corners and four pharmacies at the intersection of Balta and Pedro Ruiz
- In the Mercado Modelo – one of the largest semiformal markets in Perú – there is a seemingly endless amount of organized commerce. For example, the footwear section
(more…)
9 comments 15 October 2009
Tchau Moçambique
By Cameron Morris KF8, Mozambique
On Monday ten hours of arduous bus travel took me from Maputo to Johannesburg and brought a pretty definite end to my Kiva Fellowship. Before going to Mozambique I was easily amazed by wonky, academic models that sought to bring the end of poverty to the world. It didn’t take long to realize that those theories are exactly that, just theories that in reality cannot be easily applied. People are not merely numbers or statistics and their problems are not inputs into functions. Their problems are real and have voices. Voices that are not full of sob stories, but that are pragmatic and eager to get things done. They do not need economists in white coats to solve their problems, nor do they need bags full of money. They merely need to be enabled to pursue their ideas, plans and dreams. (more…)
4 comments 8 October 2009
Welcome to the family, KF9!
Congratulations on finishing training… enjoy your graduation tonight!
4 comments 25 September 2009
In Freetown
By Jenny Kim, KF8 Sierra Leone
When I told people I was headed to Sierra Leone to work with a local NGO the universal response was “have you thought this through” and “be careful”. More than 4 years after UN Peacekeeping forces pulled out of Sierra Leone following a brutal and devastating 11 year civil war, people continue to associate Sierra Leone with violence or with the Hollywood blockbuster film Blood Diamonds. I can’t say I was that much more enlightened when I chose to live and work in Freetown, the capital city. After grabbing several books, a couple of documentaries, and hours on the internet, my cursory research painted a picture full of machete-wielding and AK47-toting child soldiers alternately terrorizing villages and mining for diamonds. Not good and dated info. Contacts urged me to find accommodations in a gated and well-guarded compound. Advice I took. And others told me to NEVER go out after dark. Advice I ignored. People tried to warn me about getting to town from Lungi Airport which purportedly was a gamble with my life given the three transport options– a “treacherous” ferry whose schedule can sometimes be a mystery, a hovercraft that has “exploded and ran out of fuel mid-trip in the past”, or a helicopter that has crashed several times. Stellar options. And only half true it turns out. With these thoughts swirling around in my head, I arrived in Sierra Leone last week. Since then I’ve been trying to wrap my head around this fascinating country, making a go of untangling some of the myths, tall tales, half truths, and sobering realities as best I can during my 2 month stay.
Observation #1
Sierra Leone needs better PR (more on this in the next blog). The country suffers from an undeserved and badly tattered public image—essentially a snapshot taken in perhaps the worst period of it’s history. Although the war is still very much woven into the fabric of this country and almost without exception every individual I have encountered has either witnessed atrocities or has suffered directly at the hands of warring factions, most Sierra Leoneans want to focus on rebuilding the country. Here in Freetown, perpetrators of murders, rapes, and mutilations live peaceably side by side with their victims. As my taxi driver put it to me, “What else can we do. We need to heal and move on.” The Truth and Reconciliation Trials continue to try the “big fish” a co-worker tells me. But “who can tell who was forced to kill and who can tell who was forced to take cocaine and drugs in order to cut off people’s wrists or legs? I don’t understand it. But we forgive and we have to live as brothers. It’s the past.”
Some context…
Ranked at the very bottom of the UN Human Development Index, Sierra Leone is one of the poorest countries in the world with a whole host of challenges in front of it. 1 in 6 mothers die here in childbirth making Sierra Leone the most dangerous place in the world to become a mother. Once born, 1 in 4 children will not survive past the age of 5. If you consider that Sierra Leone is a donor-driven nation which receives over a third of it’s annual budget from other countries and abroad, one can begin to grasp the magnitude of the work ahead when the national agenda includes combating severe infrastructure deficiencies, a non-existent healthcare system, illiteracy, and corruption.
- 1 in 6 mothers die as a result of childbirth (more than anywhere else recorded in the world)
- 1 in 4 children will never turn five
- 70% of the population live below the poverty line
- 57% of the population do not make a dollar a day
- Less than 10% of population has access to energy
- 1/3 of the Sierra Leonian government budget every year is donated
- Life expectancy at birth is 42 years (2007)
- Ranked 177 out of 177 countries in UN’s Human Development Index
- Ranked 168 out of 175 countries by World Bank for ease of doing business
- Average GDP per person is $209 (adjusting for purchasing power parity approximately $800)
Sources: UN, Unicef, World Bank, Sierra Leone by Bradt
The video below is of my first loan visit in Dove Court market located in Freetown.
10 comments 24 September 2009
Comparing Malaria Solutions
Artemisinin: an ancient malaria cure for 21st century Africa
Continue Reading 7 comments 16 September 2009
Microcredit Operators–>Microbanks–>Banks
By Cameron Morris, KF8 Mozambique
Microcredit operators, microbanks, and banks are the three primary designations for consumer facing financial institutions in Mozambique. Over the last couple of weeks I’ve been spending some of my time assisting the Kiva portfolio team with MFI recruitment. I’ve met with a full range of financial institutions with executive directors as diverse as the populations they serve.
I would guess that currently the majority of Kiva’s partners fall into the microcredit or microbank category. These institutions are the quaint organizations that usually characterize microfinance and that more importantly meet the requirements for working with Kiva.
What I’m curious about is what will happen when these institutions start to mature. (more…)
3 comments 16 September 2009
Spreading the Kiva love…
by Cissy DeLuca, KF8, Indonesia
This past week is my last week working at TLM in West Timor. TLM is also partnered with Opportunity International (OI) Australia, which is their primary source of funding. To promote this relationship, TLM often hosts “Insight Trips,” which allow supporters of OI to pay a fee to visit a partner MFI of their choice. These trips promote donor understanding and create the potential for them to further contribute to the work of the MFI.

TLM staff members introducing the Australian guests to a client
Eight Australians arrived this past Monday to be toured around to visit clients, see the office, meet the staff and gain an insider perspective on microfinance and TLM. Upon hearing I was working on behalf of Kiva, an instant fan club materialized right before my eyes. They wanted to know everything they possibly could about Kiva and their partnership with TLM. Some had heard of it, while others had not. This resulted in me hosting an impromptu training session at my desk on how to use the Kiva website. One of the Australians had even googled “TLM” and “Microfinance” prior to the trip and stumbled upon the fellows blog and a video I had made! He had known of the existence of a “Cissy” at TLM before he even arrived… I am a minor celebrity!
3 comments 16 September 2009









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