Posts filed under ‘Countries’
Secrets of the ELA Sisterhood (Part I)
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!
A Fellowship in Photos (Part 2)
By Kate Bennett, KF15 Ecuador / KF16 Perú
After my first placement in Ecuador, I thought I knew living and working in South America- three months in Ica, Perú proved me wrong. New (and delicious) food, a drastically different (and drier) climate, and wonderful new friends, coworkers, and chicha-vending Kiva borrowers showed me another side of South America’s many amazing countries and cultures. As I phase out of my second fellowship back into the real world, I want to share these photos, and photos from my first placement in Ecuador, with you lenders and give thanks to KFP and Perú for an amazing fellowship experience! Click the photos to see them enlarged!
- My first week in Ica, Perú. If you thought Perú didn’t do desert, guess again.
- With my coworkers on my last day at Kiva Partner Caja Rural Señor de Luren
- Kiva Borrower Marisela shows off her Christmas wares, including dolls, shawls and hats. She crochets all the fabrics herself and makes the dolls by hand.
- If you find yourself locked out of your room on a Thursday during lunch hour, as I did during my first month in Ica, Perú, look to Paredes to help you get back in.
- Isabel Paula was my favorite neighborhood chicha morada vendor (chicha morada is a delicious, traditional corn-based juice with pineapple, cloves and cinnamon) in Ica, Perú. Turns out she’s a successful Kiva borrower, too!
- Kiva borrower Lilia runs a successful book store- but she also sells pick-me-ups like Inca Cola, Perú’s most popular beverage (though it’s possibly tied with chicha)
- Choza houses outside of Camaná, Perú- choza, or reed, houses last up to five years in Camaná’s arid climate, but by no means are they permanent. We visited two Kiva borrowers living in homes like these.
- A Caja Rural Señor de Luren out post in a small town in Perú. Caja Luren shares offices with one of the more traditional national financial institutions in Perú, which allows it to expand access to microfinance to many previously under-served populations
- A Kiva borrower smiles for her photo in Parcona, Perú
- During a trip to Cusco, a shot of some of the incredible, traditional textiles of highland Perú
- Kiva borrower María Victoria in Ica, Perú takes a break from cooking (she’s making ceviche for a dinner party of 100!) to talk to me during a borrower verification
- Kiva takes Machu Picchu by storm
- My “host-grandma” Bertha in Ica, Perú. Apart from being a constant source of support, warmth and humor in a new country, Bertha taught me all kinds of important phrases in Spanish, like “picaflores” (womanizer) and “¿qué es este tono que estás empleando?” (what’s that tone you’re taking with me?!)
Kate Bennett (KF16) is thrilled to be working in Ica, Peru with Kiva Field Partner Caja Rural Señor de Luren. For more on Kate’s experiences with Caja Rural Señor de Luren or life in Peru, follow her work here.
Same Continent, Different Worlds: Part 2
By Kiva Fellows in Africa, KF16
Compiled by Tejal Desai
Ow de body! Are Sierra Leone and Rwanda still danger zones? What challenges do Ugandans most commonly face? Kiva Fellows from KF16 bring you another unique perspective from the diverse and vast continent of Africa! We patched together an overview of each of our placement countries that includes: basic socioeconomic stats, common stereotypes (and to what extent they are true or false), greatest challenges, most common loan products at our respective field partners, and the borrowers’ most common use of their profits. Our part 2 series follows the Kiva Fellows through Sierra Leone, Rwanda, and Uganda. We hope our summaries give you a new perspective on the continent and its distinct countries that we’ve been fortunate to explore, thanks to the Kiva fellowship!
Continue Reading 2 January 2012 at 13:00 Tejal Desai Leave a comment
What’s next for KF16? (Part 1)
Compiled by Laurie Young, KF16, Indonesia
I know! We can’t believe it either! Our Kiva Fellowships, as the 16th class, have come to an end. So what’s in store for us once we return to our homes? Or perhaps, stay in the field for another fellowship? Read on for the next chapter in the lives of some of the 16th Class of Kiva Fellows Alumni.
Continue Reading 2 January 2012 at 08:00 laurie4485 3 comments
60 Tips from Kiva Fellows
Compiled by Kate Bennett, KF16 Peru
The sixteenth class of Kiva Fellows has all but left the field- but we’re by no means done talking about our experiences. We’ve collectively spent 422 weeks in the field (just over 8 years!) and worked an estimated 16,650 hours at Kiva field partners around the world. Needless to say, we’ve got a lot of opinions about how to use this time wisely.
Now, we’re no experts in living or working abroad (though we sure do like it), but we have some nuggets of wisdom to offer up for those of you transitioning into a life abroad or beginning your next Kiva Fellowship. Stick by these tips, and you can’t go wrong. (And for more hints and tips, check out 33 Tips from Kiva Fellows (written November 2009) or 45 More Tips from Kiva Fellows in South America.) Enjoy!
Continue Reading 30 December 2011 at 04:00 Kate Bennett 4 comments
Why I Volunteer Abroad (with Kiva)
By Eric Rindal – KF 16 – Bolivia
Before I volunteered as a Kiva Fellow in Sierra Leone (May of 2011) and Bolivia (September 2011), I was living in Santa Barbara, California. Imagine: Santa Barbara beaches saturated with color, mansions with the smell of jasmine twisting through the air, and a pace of life only to be set by the sun. While there, I was working for a de jure artist and took up the ranks as a de facto artist myself. Life was pretty easy, and moving to a developing country and working with microfinance seemed a million miles away. Leaving it all made me wonder why I would forfeit the comfort and normalcy of home for places where it feels like I have to relearn basic parts of life (i.e. restroom, showers, and food).

While volunteering, I was often asked , “Why would you come volunteer in my country?” Each time, I rambled about a desire to foster opportunities in the development of people around the world. But that is just it, how concise can pre-volunteers really be? (more…)
Cooperative Karaoke; Celebrating 47 Years of Savings and Loans
By Marcus Berkowitz, KF16, Ecuador
Institutional birthdays in the US can be fairly stuffy affairs. Seating is often arranged to maximize contact with those in the institution with whom one has never spoken (perhaps for good reason, argue some guests) and they tend to be remembered more for inappropriate comments inserted into otherwise boring speeches rather than for the celebrations that they hope to be but rarely are.
Not so at the Cooperativa San Jose de Chimbo (CSJ). Instead of standing around awkwardly, everyone secretly wishing they were somewhere else, the 47th birthday of CSJ (conveniently combined with the office Xmas party) was a chaotic and energetic no-holds-barred inter-office Karaoke war. This post includes video evidence…
Continue Reading 23 December 2011 at 05:18 marcusofulano Leave a comment
Mr. Cool: Layla’s Story (Video Blog)
By Laurie Young, KF16
Awhile ago I attended a Kiva loan disbursement for VisionFund Indonesia with my Kiva Coordinator, Valentine. She and I were both intrigued by a product called Mr. Cool that Layla, the leader of the group, has a business turning into ice cream pops. Often times the borrowers we met during field visits were quiet and reserved. However, Layla was extremely excited to have us in her home and show us all about her business making Mr. Cool pops. She was the most outgoing and charismatic borrower I met during my time in Jakarta and, because of this, I wanted to share our visit with you.
Continue Reading 21 December 2011 at 20:00 laurie4485 1 comment
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 Emmanuel von Arx 1 comment
Fifteen Dreams of Fifteen Kiva Borrowers
By Eric Rindal – KF16 – Bolivia
Part of my Fellowship here in Bolivia is to complete two Borrower Verifications (BVs) for two Kiva partner microfinance intuitions: Emprender and IMPRO. During the BV, I ask four questions to verify that the borrower is the real borrower, and I ask one question to understand the Kiva borrower better. This one question: What is your dream for you life or your business, is the most moving part of my Fellowship. I am so inspired by Kiva borrowers. Some of their dreams are simple, some are grand, and others take hold of my heart with profound sincerity. I would like to introduce you to my friends and their dreams.
Gregoria
Dreams to…Own sewing machines to make and sell clothing
Continue Reading 19 December 2011 at 02:00 erindal 2 comments
The Little Things
By Andrea Ramirez, KF 16, El Salvador & Costa Rica.
I love hot water.
I also love designated bus stops, and having lunch with co-workers..not at my desk.
I love the noise that the leaves of plantain trees make when the wind hits them.
I love having a garbage removal service..instead of having to burn the garbage to get rid of it.
I love the smile on a borrower´s face when they´re told their loan will be disbursed in a couple of days, or when I show them what their profile on Kiva.org looked like.
I love how the face of a borrower lights up when I ask about their business.
I love being trapped in a vehicle with a loan officer for hours, and learning why they took on the job in the first place – and why are they still at it.
I love talking to the head of a microfinance institution and poke at what the future looks like for their organization, what are their challenges, and trying to understand why things are the way they are.
It took me four months, probably 100 hrs on a bus, many dead bugs, and two countries to realize how much I love these and many other things.
In the process I´ve had to let go of many other things I also love. Little things like a dryer for my clothes, and big things like people and relationships. I am shocked by how quickly these last few months have gone by. More than anything, I am in owe of the people I´ve met and what I´ve leared from them. I am humbled and thankful for the experience I´ve had as a Kiva Fellow, and without a doubt this is the best thing I could have ever done. I know my work in El Salvador and Costa Rica is far from over, and that the relationships I´ve made in the region will last beyond my fellowship. I also thank you, the people who have supported the MFIs I´ve worked with (Fundacion Campo and Fundacion Mujer) by making loans to their clients on Kiva.
If there is anything that will always remain with me after this experience is the fact that we can all do something to help make the world a better place for those who have been less fortunate (and future generations). I don´t mean it in a paternalistic way, but really thinking about how we can do a little something to bridge the gap between what government and capitalism have accomplished so far, and what still needs to be done. I believe in paying it forward with more than good intentions. You don´t need to leave your home and your loved ones to volunteer abroad to do so (although if you can, and you find the right fit for you, do it!). You can, from the comfort of your home, make a $25 loan to a microentrepreneur anywhere in the world through Kiva, or give a Kiva giftcard to someone you love for the holidays. The impact of microloans and microfinance overall continues to be a controversial topic. And although I´ve confirmed that microfinance is not the panacea for inequality and poverty, I´ve also confirmed it can be a very efficient tool when paired with other mechanisms. Particularly, when paired with people with the undying desire to innovate for a better future. A future when the little things are available and enjoyable for most of the world.
Andrea was part of the awesome 16th class of Kiva Fellows working in El Salvador and Costa Rica. She is sad to leave Central America, and thankful to those who helped make her fellowship possible. Please support Kiva´s mission by making a loan on Kiva.org – it´s super easy!
All Loans Lead to Home; When an Agricultural Loan is also a Housing (or Student) Loan
By Marcus Berkowitz, KF16, Ecuador
“We built a little house” she replied happily, when I asked how she had used the loan. I looked down at my sheet. Oops. This loan, according to its Kiva description, was for corn seeds and fertilizers.
Of course, we have no right to insist on any particular loan use. That’s not the point. But of the first three borrowers with whom I had spoken as part of Kiva’s Borrower Verification process, not a single one had used the loan for the purpose listed on Kiva. And two of three had built houses with their loans. What gives?
Continue Reading 15 December 2011 at 05:38 marcusofulano 3 comments
And the Winner Is…………
By Jill Hall, KF16, Philippines
“And the winner is……..ppprrrrrmmmmmmm” (drum roll). Now, if you are anything like me, the image in your head is of some famous actress or actor fumbling with a large envelope, complaining about how is it hard to open. Luckily, for this post, we are going skip the envelope and talk about a winner who is a little closer to home for this Kiva Fellow. The winner I am talking about is CCT’s very own, Andresa Javines, who is Citi Bank’s “Entrepreneur of the Year” (MOTY) for Mindanao, Philippines.

Continue Reading 14 December 2011 at 07:00 The Musings of a Sponge 3 comments
Mali in Color (Part 2): Impressions from the Road
By Kathrin Gerner, KF16, Rwanda
In the first part of this blog series, I shared pictures of Malian borrowers. But even on my way to those borrowers, I was not able to put down my camera. Here are my favorite shots from the road.
Continue Reading 13 December 2011 at 02:00 Kathrin Gerner 1 comment
Mali in Color (Part 1): Impressions of Kiva Borrowers
By Kathrin Gerner, KF16, Rwanda
When I boarded a plane to Mali last week, I was not exactly enthusiastic. One reason may have been the unpleasant 2 AM take-off from Kigali, another the recent Al-Qaida kidnappings in the North, which meant that all relevant tourist spots were off limits. And six months into my career as a Kiva fellow, a routine task such as a borrower visit was not enough to get me excited.
I was in for a surprise.
The borrowers of Kiva’s Malian field partner Soro Yiriwaso and their incredible hospitality, made my trip unforgettable. I came to check borrowers’ identities and look at loan papers. I left with a mountain of presents, a full stomach and a serious caffeine high after the countless cups of sweat tea offered to me everywhere I went.
But I was most excited about finally being in a country where people love to be photographed. Below are my favorite shots from my meetings with Malian borrowers.
Continue Reading 12 December 2011 at 03:00 Kathrin Gerner 6 comments
Update from the Field: Loan Officer Training, a Photographic Journey + Kiva Gift Cards
Compiled by Kathrin Gerner, KF16, Rwanda
December has long been the month of annual awards, looking back and frantic searches for presents. The Kiva fellows blog is no exception to this rule: Share the fellows’ memories by taking a photographic journey through Sierra Leone and watching a video about a typical day of a fellow conducting loan officer trainings. Learn about some incredible women in Costa Rica, who received a Woman Entrepreneur Award from Kiva’s field partner, Fundación Mujer. And to avoid the frantic searches this year, consider surprising your loved ones with the gift that keeps on giving, the Kiva Gift Card.
Continue Reading 12 December 2011 at 02:00 Kathrin Gerner Leave a comment
The Do-Gooder’s 2011 Guide to Responsible Giving: Kiva Cards
In the United States, it was ushered in on Friday the 25th of November in the wee hours of the morning. Here in Ica, Perú, it is manifested in the towering polyethylene Christmas tree and tinsel-adorned telephone booths in the Plaza del Sol shopping mall. Around the world, in many forms, it’s upon us: the season of giving.
And every year in the Bennett family, we duke it out to see just who can give the most responsibly: we exchange goats through Heifer International, carbon credits through Carbon Fund, and donations to NPR and Wikipedia. That is, until several years ago when we discovered the apogee of responsible giving: the Kiva Card
Continue Reading 8 December 2011 at 04:00 Kate Bennett 5 comments
Women of the Year
By Andrea Ramirez, KF16, Costa Rica.
Today I was a judge for the first time. I had the honor of being invited to represent Kiva as part of the jury for Fundación Mujer’s 8th annual Woman Entrepreneur Awards for 2011. Today was a day full of stories of strength and success, told by some of the bravest women I have ever met. I knew these women had to be pretty amazing, but my imagination wasn’t wild enough to have predicted the struggles that these women have and continue to face. If you’re looking for inspiration to start a new project, face a difficult situation, or just to get off the couch – keep reading.
Continue Reading 7 December 2011 at 17:18 Andrea Ramirez 1 comment
Swit Salone: A Journey in Photos
By Tejal Desai, KF16, Sierra Leone
Sierra Leone boasts lush, tumultuous landscapes, postcard-worthy beaches, delectable home cooking, inspiring stories, and some of the friendliest people you’ll meet. I was fortunate to have been placed in Freetown, Sierra Leone for my Kiva Fellowship at BRAC Sierra Leone. Follow my journey through this beautiful country and its capital city, Freetown. Hope you enjoy the photos!
Continue Reading 6 December 2011 at 13:00 Tejal Desai 4 comments
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 Emmanuel von Arx 1 comment
Updates from the Field: Autonomy, Sierra Leone and the 2011 Kiva Love Tour
Compiled by Kate Bennett, KF16, Peru
This week’s updates come at a time of change for Fellows around the world. As the holidays near, Fellows prepare to phase out of their current placements, move on to the next ones, and tie up loose ends with their Kiva Field Partners. But this doesn’t interfere with Fellows’ primary mission: to ensure that Kiva’s work and the work of our Field Partners is, too, sparking change as the new year approaches.
Continue Reading 5 December 2011 at 04:00 Kate Bennett 2 comments
Malaria Dreams: The True Kiva Fellowship Experience
By Tejal Desai, KF16, Sierra Leone
As my Kiva fellowship winds down, I reflect on the memorable journey I’ve been privileged to experience through the Kiva Fellows Program as a member of its 16th class. Through personal revelations and humbling lessons in adaptation, microfinance work, cultural differences (and a unique incidence of malaria), I’ve grown attached to beautiful Sierra Leone. Throughout the fellowship, I’ve found my journey paralleling that of a character in a humorous novel, Malaria Dreams by Stuart Stevens, in which a man travels through the Central African Republic in one mission in mind: to find a friend’s Land Rover and drive it back to Europe — only to find that his 3-month journey has a lot more in store for him than he anticipated, and nothing goes exactly as planned. My fellowship similarly followed suit with its own surprises, bumps in the road, and memorable moments.
Continue Reading 1 December 2011 at 16:00 Tejal Desai 6 comments
Kiva Love Tour: Honduras 2011
By Sandra Pina, KF16, Honduras
The Kiva Love Tour wrapped up about a month ago here in Honduras. I headlined the 3-week tour which was co-sponsored by Kiva and ODEF Financiera. Each of the 26 venues (read: branches) were sold out and I dazzled (yes, I dazzled) concert-goers. I’m relieved to write that the reviews were mostly positive. Keep reading for the full recap.
Continue Reading 30 November 2011 at 14:46 pinayprestamos 3 comments
Update from the Field: Adapting for Borrowers by Borrowers, Microinsurance +SKFL
Compiled by Jim Burke, KF16, Nicaragua
This week’s Fellows Blog focuses on adaptability: Adapting microinsurance to poor households in Indonesia, an MFI in Turkey adapts to the needs of women entrepreneurs, a multifaceted borrower in Nepal adapts to market pressures, and a Kiva Fellow adapts to changing expectations. In a continuation of The Stuff Kiva Fellows Like series we hear how different fellows have adapted to their lives abroad by ‘crashing parties’ and ‘going to the Bazaar’. We hear about how practitioners are adapting finance and microinsurance products to their borrowers. Equally nimble we hear from a few borrowers and how they have expertly adapted to market pressures and changing circumstance. Microfinance is a dynamic industry by nature and like DJ or Binu or Maya Enterprise for Micro Finance, ensuring success means staying flexible and welcoming new opportunities born out of challenges. (more…)
Stuff Kiva Fellows Like #10-17
Compiled by Jim Burke, KF16, Nicaragua
We are Kiva Fellows. This is the stuff we like. Here is an insider (often critical, or satirical but always true!) view of what it means to be a Kiva Fellow and promote access to financial services around the world. From party crashing to bazaars to street food, these are the things we like and thrive on. Check out Stuff Kiva Fellows Like (SKFL) #1-9!
#10 Street Food
Mariela Cedeño, KF16, Cochabamba, Bolivia
I’m not really sure why, but there is something inherently appealing to a Kiva Fellow’s being about food that is prepared, cooked, and sold on the streets. Perhaps it’s the dubiously hygienic food preparation, the alternative cooking apparatus used to bring food to fire, or it’s ready availability and our relative laziness…wait, no, it’s actually our need to literally ‘taste’ the local culture. In our fits of street food deliriousness we are open and ready to taste all that our surroundings have to offer, however, we often find that the local fare may not quietly find a home in our stomachs. Thankfully, before leaving to our local assignments, our travel nurses reminded us that in times of intestinal woe, Cipro and other like antibiotics will be our best friend. They sometimes are, but because we are well versed in the dangers of overusing antibiotics and are haunted by nightmares of creating giant super bacteria that start kidnapping local women and children, we use them sparingly and wisely. (more…)
Second Chances (Part 1)
There’s a certain amount of introspective review that happens near the end of a Kiva Fellow’s time in the field, as previous Fellows have written about self-discoveries in spirituality, competitiveness, and self-acceptance. We’ve all gained a better worldview, certainly. Witnessing extreme poverty, adjusting to life in a developing nation and participating in the small technological miracle of connecting Kiva Lenders and Borrowers can lead to some genuine soul-searching. I’ve learned an important life lesson and, at the risk of public humiliation; but ultimately hoping to a) cement this lesson to my own heart and b) encourage future Fellows, I’ll admit that due to my own ignorance and fear, I nearly missed out on one of the greatest experiences of my life.
Continue Reading 24 November 2011 at 05:15 DJ Forza 13 comments
Multi-faceted Borrowers Part 2
By Abhinab Basnyat, KF 16, Nepal
Part 1 of this series is available at here
Similar to Narayan Devi, Binu is a multi-faceted entrepreneur. A previous Kiva loan helped her fund a tailoring business where she was able to employ a few other people. As a single mother, she recently moved to another part of town to be closer to her brother. Upon moving she closed her tailoring shop. The distance made it expensive and difficult to travel and manage her shop. One option would have been to start another tailoring business in her new locality. As an entrepreneur who is constantly looking out for new opportunities and has a desire to learn new skills she decided to open a small canteen.
Her new residence is located close to a hospital, and after an initial survey of the area she noticed that the hospital did not have a canteen to serve the medical students, doctors and patients. Drawing from her brother’s experience in the restaurant business Binu received a loan to kickstart her small canteen. In the hour that I visited there was a steady flow of students who came for a quick snack between classes, doctors between shifts, and patients. Serving to a medical community, Binu is especially aware of the need to provide safe, tasty, hygienic snacks.
As I became more aware of Binu’s business acumen and desire to take measured risks, I inquired about her entrepreneurial drive. As a single mother, Binu is motivated, knowing that her wellbeing depends on her handwork, and her desire to provide her son with a good education. In the past even she had even ventured into growing mushrooms to sell in the local market, and explored going into the wholesale clothing business. The support of BPW-Patan and Kiva have been instrumental in providing borrowers like Binu and Narayan Devi the necessary financial resources to become a multi-faceted entrepreneur and improve their livelihoods.
Although, these borrowers provided me with a first hand experience on how micro-finance impacted peoples’ lives, the nagging question in my mind had always been: how can micro-finance be scaled? For example, the purchase of a cow to sell milk provides an opportunity to generate income, but the scalability of this endeavor is limited until a second cow is purchased, and so forth. The industrious and multi-faceted entrepreneurship of Binu and Narayan Devi provided another dimension to micro-finance. There were borrowers who were actively taking measured risks and starting new micro-ventures. A single activity might not be scalable; but the desire and agility to transition and supplement one’s activity definitely yields the opportunity for greater returns.
Abhinab Basnyat is currently serving as a Kiva Fellow in Nepal with BPW-Patan. To learn more about BPW-Patan go to their Field Partner Page on the Kiva website. Check out the BPW Patan Lending Team and consider making a loan to a woman entrepreneur from Nepal.
Microinsurance in Indonesia: Current Challenges and Innovations
By Laurie Young, KF16, Indonesia
I was fortunate enough to be invited to accompany the Director of VisionFund Indonesia to attend the ‘First Microinsurance Marketplace in Indonesia’ coined ‘MIMPI.’ The event was a joint effort by the Indonesian Insurance Council, World Bank and the IFC. There were speakers, panels, and exhibitions over the course of the two days aiming to create a marketplace environment rather than that of traditional conference. Below, I hope to provide you with the current challenges facing the industry based on presentations and discussions during the two-day event. Additionally, I will present some of the product innovations and ideas that have been recently, or are going to be, introduced in Indonesia in an attempt to increase access to insurance for the poor.
Continue Reading 22 November 2011 at 00:15 laurie4485 2 comments






























