Rwanda: That Bieber Fever

Poda-Poda, Tro-Tro, Marshrutka, Jitney, Bemo, Bush Taxi. It seems that they have different, funny names in each locale, but they all refer to the same concept: the shared taxi. A share taxi is a vehicle which travels around a fixed route and either departs when it’s totally full, or allows customers to hop on and off wherever they want. In Rwanda, they are also a zeitgeist of what’s hip now; an opportunity to unabashedly tell the world that you have the “Bieber Fever” or that you are a die-hard Eminem fan.

Share taxis here in Rwanda range from larger, roomier Coaster buses to the loud and attention-seeking minibuses. The minibuses are a much more entertaining way to go. Similar to Timor’s bemos which Stephanie mentioned in her article, the minibuses in Rwanda are where the action is. Each one is navigated by a driver, while a “bus conductor” manages the money and calls out to potential passengers to ensure that the interior is always packed. In Addis Ababa Ethiopia, I loved listening to the conductors heading toward Bolé road shouting “bolebolebolebole” as the taxis drove by.

Rwanda Minibus: Drake

I met the owner of a minibus in Kigali which was decorated in luminescent green and purple paint and paid homage to Canadian Degrassi Jr. High actor-turned-rapper, Drake. As I marveled at the paint job, he explained to me that minibus painting is a relatively new phenomenon here in Rwanda. Apparently minibuses in neighboring Congo have been custom painted for some time, and until a few years ago a minibus owner would have to get their ride painted there. Artists have recently started cropping up in Kigali, and now each minibus tries to outdo the next in terms of decoration.

As Stephanie learned in Timor, the minibus owner in Kigali believes that having a hip paint job will attract more customers. He confirmed that particularly schoolchildren will wait until a minibus comes along which reflects their taste in music or sports. For 25,000 Rwandan Francs ($40), the owner can get a fresh, custom paint job, so when Bieber gets replaced by the next teen idol, Kigali’s minibuses will reflect that trend. While the cost of a new minibus would likely exceed the maximum Kiva loan size, I wouldn’t be surprised if I saw a minibus owner requesting a loan to paint a Rebecca Black minibus next year.

Aside from being a personal statement, another benefit of traveling by minibuses is that it is a somewhat “green” way to go. Back in Seattle, I am guilty of commuting daily as a single occupant in my personal car. I use that same car to head into the city and drive in circles looking for a parking spot. Kiva Fellow Caree Edson reports that the marshrutkas in Armenia can hold around ten passengers comfortably, and commonly carry double that number with many passengers standing. I’d estimate that the typical Kigali minibus is stuffed with 20 people at rush hour. A minibus is always available and is always a carpool.

The crowded seating inside a minibus has a few benefits. If the passengers can communicate over the decoration-corresponding music, a great amount of interpersonal interaction takes place. Politics are debated with strangers, potential boyfriends and girlfriends are identified, and friendships are made; all impossibilities when traveling alone in my Jetta back home.

Mikrolet: East Timor

Cameroon Bush Taxi

Minibuses are so crowded due to the economics of necessity. They are found where affordable transportation is needed and are packed to the limits of local liability to keep costs down. I’m told that gas prices have skyrocketed back home; perhaps I should be considering launching a share taxi service in Seattle when I return!

While I consider whether a coffee-celebrating or carbon-reduction-boasting paint job would attract more riders in Seattle, I invite you to take a little minibus trip around the world with these photos provided by Kiva Fellows.

Adam Cohn is a Kiva Fellow, working with Vision Finance Company and Urwego Opportunity Bank in Kigali, Rwanda.

Most of the photos for April Fools' Day were ready before we even hatched our plans (Cambodia pictured)

We hope you enjoyed our April Fools post on Friday! While we were entertaining ourselves pulling it all together, we also found the time to attend to some serious matters: coffee in Colombia is no joke (in a bad way), some borrowers are easier to locate than others, and oftentimes Fellows must say goodbye to people and places before they’re ready to. We also learned about the “No Pago” movement in Nicaragua, the elections in Peru, what daily life is like for a Fellow in Bolivia, and how to sensibly and respectfully collect past-due payments in Ghana. Somehow there was even time to host a previous Fellow and a documentary film student in Colombia and to visit borrowers, eat chocolate, and stop for the view in Armenia.

A Movement called No Pago / Un Movimiento se llama No Pago
Country: Nicaragua / Fellow: Karen Gray (KF14)
Karen provides helpful context for the “No Pago” (or “No Pay”) movement in Nicaragua and what her partner microfinance institution is doing to ensure that it only signs on clients who are willing and able to pay back their loans.

Why does most coffee in Colombia taste like dishwater?
Country: Colombia / Fellow: Nick Hamilton (KF14)
It’s safe to say that Nick’s high expectations for coffee in Columbia have been shattered by reality: the best coffee is exported and what’s left is pretty much unpalatable. Poor guy!

Blast from the Past: KF7 turned microfinance professor visits Colombia to do field research
Country: Colombia / Fellow: John Gwillim (KF14)
Catching up with Fellows is always a treat, particularly when they visit with a documentary film student in tow and a presentation about microfinance models to share with your MFI.

Performing meaningful work for Kiva while learning a new culture
Country: Bolivia / Fellow: Clara Vreeken (KF14)
Clara walks us through her day-to-day life as a Kiva Fellow in La Paz: giving trainings, meeting with clients at the office and at their businesses, updating lenders, and enjoying the opportunity to speak Spanish.

Owe Money, Pay Money
Country: Ghana / Fellow: Mei-ing Cheok (KF14)
Mei-ing is very relieved that her partner microfinance institution takes a much gentler and more respectful approach to collecting on delinquent loans than loan sharks back in her native Singapore.

What was your last business trip like?
Country: Peru / Fellow: Noreen Giga (KF14)
From the city to the mountains to the jungle and back again, Noreen battles altitude sickness, temperature changes, and limited transportation options in her attempts (only some of which were successful) to meet with Kiva clients.

My Heart has Taken Root
Country: Uganda / Fellow: Nila Uthayakumar (KF14)
Knowing that her time was limited, Nila tried to resist getting attached to Uganda. But the people, markets, and natural beauty of her home for the past two months pushed back and she now finds herself utterly enchanted just as she prepares to leave.

In Peru, the race for President heats up
Country: Peru / Fellow: Geeta Uhl (KF14)
Geeta provides a thorough run-down of Peru’s presidential candidates and some of their, um, colorful campaign slogans.

Special Update from the Field: Beaches, Safaris + Cambodian Glamour Shots
Countries: South Africa, Armenia, Cambodia, Mexico, Ghana, Uganda, Sierra Leone, Peru, Rwanda, Bolivia, Colombia, Nicaragua, Benin, Indonesia / Fellows: Compiled by Alexis Ditkowsky (KF14) with the 14th class of Kiva Fellows
In case you missed our hard-hitting April Fools’ Day coverage of what being a Kiva Fellow is REALLY like, you can revisit examples of how to sleep through reporting, torture your coworkers with your karaoke stylings, fabricate excuses to go to the beach, and so much more.

“The Good Family”
Country: Armenia / Fellow: Caree Edson (KF14)
Caree’s been on a winning streak during her past few visits to the field: chocolate, coffee, beautiful views, adorable livestock, and meeting with friendly borrowers tends to make for a pretty great day.

~
Previous updates from the field:
Social Quirks, Justin Bieber + Lots of Carbs
Fun Facts, Field Visits + Back to Basics
Carnival, Collaboration + Cheese-Making
Man’s Day, Singing Fellows + Learning How to Count
Videos, Epic Commutes + Going Beyond Microfinance
“Christmas”, Trekking, Adversity + Good Company
~

Plus more pictures from this past week:

Ghana (by Mei-ing Cheok)

Bolivia (by Clara Vreeken)

Peru (by Noreen Giga)

Peru (by Geeta Uhl)

Colombia (by John Gwillim)

Colombia (by Nick Hamilton)

Armenia (by Caree Edson)

Uganda (by Nila Uthayakumar)

Nicaragua (by Karen Gray)

Where Kiva Fellows actually spend their time (Indonesia pictured)

Kiva Fellows are nothing if not creative. We’ve gone to elaborate lengths to convince you that it can be hard to visit borrowers and that when we’re not trekking for miles, we’re doing elaborate calculations or dealing with databases and reporting. In truth, it’s all a front for an extended holiday from our regular lives. You thought our recent Carnival coverage (here and here) represented a change of pace? Think again!

Frolicking at Foreign Monuments
Country: Armenia / Fellow: Caree Edson (KF14)
While masquerading as a Kiva Fellow in Armenia, Caree is actually spending her time decorating ancient monuments and historical sites.

Safaris in Swaziland
Country: South Africa / Fellow: Alexis Ditkowsky (KF14)
Why work on deliverables when you can be hanging out with rhinos? The alleged “border run” is a favorite work-avoidance tactic for Kiva Fellows.

Pretending to be a Princess
Country: Cambodia / Fellow: Stephanie Sibal (KF14)
Not only does Stephanie spend all day dressed up as a Khmer Princess, she also documents her transformation in professional Cambodian glamour shots.

Going out into the field but only if there’s food involved
Country: Mexico / Fellow: John Farmer (KF14)
One Kiva Fellow does actually meet with borrowers, but only if there’s food involved. John followed up his recent visit to a tamaleria with a very important stop at the ice cream shop.

Staying Hydrated
Country: Ghana / Fellow: Mei-ing Cheok (KF14)
Mei-ing takes her health and hydration very seriously. Fortunately, she has discovered the wholesome goodness of Star beer, which she claims has prevented heat strokes on many an occasion.

Jungling and Rivering
Country: Uganda / Fellow: Nila Uthayakumar (KF14)
Nila was intrigued by the similarities between her name and the infamous River Nile, which proved to be as good an excuse as any to leave the office. She’s since been investigating the coincidence by traipsing through tropical forest and lounging by the river’s source in Jinja, Uganda.

It’s getting hot in here
Country: Sierra Leone / Fellow: David McNeill (KF14)
Did you know it’s hot in Sierra Leone? Like, really hot? Fortunately, David planned ahead and packed a hammock. Good luck to anyone who tries to pry him from it in the middle of the day.

Karaoke in Chiclayo
Country: Peru / Fellow: Sherrise Pond (KF14)
Sherrise spends most of her free time entertaining the residents of Chiclayo with her tone-deaf singing at Karaoke bars all around town. As Sherrise has been heard to say, “Any time of the day or night, it’s time to pass the mic!”

Watching the Wheels
Country: Rwanda / Fellow: Adam Cohn (KF14)
Adam has chosen to indulge in the Rwandan pastime of lying by the side of the road, watching traffic go by. Adam prefers his choice spot above Lake Burera to staring at his laptop at the MFI head office, but plans to leave just in time to catch a flight to Bangkok in May.

Always Ready for Winter
Country: Bolivia / Fellow: Clara Vreeken (KF14)
Clara’s been wearing a winter hat since her first day in Bolivia and chances are pretty good that she won’t remove it until long after she leaves. (She’s discovered that Bolivia can be surprisingly cold and you never know what the weather will be like in the Netherlands.)

Mud Man
Country: Colombia / Fellow: John Gwillim (KF14)
For centuries, locals near the Cartagena/Barranquilla mud volcano have warned tourists about the the mud’s transformative properties but John just wouldn’t listen. They fear that he’s become the latest incarnation of “Mud Man”, destined to aimlessly roam the countryside until the mud finally washes off.

Life of Leisure
Country: Nicaragua / Fellow: Karen Gray (KF14)
Karen is taking her Kiva Vacation, er, Fellowship very seriously. From eating cheese to smoking cigars to just being a vaquera on horseback, she’s loving the opportunity to kick back, relax, and practice her español.

Let’s go fly a kite
Country: Benin / Fellow: Gareth Davies (KF14)
Aside from trying to keep his head above water while running the Kiva operations at his MFI, Gareth is testing out new eco-friendly travel methods which he hopes will “take-off” in Benin.

Playing on the Playa in Peru
Country: Peru / Fellows: Geeta Uhl (KF14) & Noreen Giga (KF14)
Geeta was sick of the torrential rains in Ayacucho and Noreen couldn’t stand the crowds in Lima, so they decided to stay put at the Playa San Bartolo. These super Fellows are making great progress on their Peruvian tans!

And an epic update from Lisa in West Timor:

What’s the point of being on an island if you can’t go surfing all the time?
Country: Indonesia / Fellow: Lisa Skowron (KF14)
Lisa writes, “Sorry to break the news to you, but there has been some fallacy in my past blog posts about my ‘experiences in the field.’ I arrived in Kupang, West Timor, Indonesia in late January bright eyed and bushy tailed, ready to make a difference in the world working with TLM. However, I found that Edwin Au-Young (KF13) had already done all the work and TLM was running like an all-star, well-oiled machine. So what is a girl to do in that scenario after trekking 9,519 miles from Chicago? Surf!

The next morning I took the ferry out to Rote, an island 2 hours off the coast of West Timor, and began practicing my surfing skills. Now that I’ve spent 99.9% of my time in Indonesia surfing (sorry Kiva!), I’ll be competing in the Oakley Pro 11 in Bali. I hope to make the highlights reel with my wicked backhand re-entry!! Win or lose, at least I’ll get to spend the week partying it up!”

Plus more pictures from “the field”:

Indonesia (by Lisa Skowron)

Mexico (by John Farmer)

Cambodia (by Stephanie Sibal)

Sierra Leone (by David McNeill)

Ghana (by Mei-ing Cheok)

Uganda (by Nila Uthayakumar)

Swaziland (by Alexis Ditkowsky)

Colombia (by John Gwillim)

Nicaragua (by Karen Gray)

Bolivia (by Clara Vreeken)

Armenia (by Caree Edson)

Rwanda (by Adam Cohn)

Peru (by Sherrise Pond)

Benin (by Gareth Davies)

Peru (by Geeta Uhl and Noreen Giga)

This week, take a trip to the field with Kiva Fellows (Mexico pictured)

For many Fellows, this week was about getting back to basics: the borrowers. In between fun facts about Kiva Fellowships, doing database detective work, and reflecting on the internal dynamics of Kiva’s partner microfinance institutions, Fellows found themselves in the field again and again, much to their delight and often to the delight of borrowers. From Latin America to Africa to the Caucasus to Southeast Asia to Eastern Europe, meet Kiva clients, learn about their businesses, and check out all of the great photos.

Kiva Fellows by the Numbers
Countries: Sierra Leone, Rwanda, Mexico, Ghana, Uganda, Mongolia, Ukraine, Nepal, Peru, Cambodia, Indonesia, Liberia, Guatemala, South Africa, Colombia, Bolivia, Armenia, Kyrgyzstan / Fellows: By David McNeill (KF14) & Adam Cohn (KF14) but featuring the entire 14th class
Ever wonder how far Fellows travel for their placements or how slow the Internet really is in Liberia? And did you know that you can buy Coca-Cola in a plastic bag for $.15 in Cambodia? Discover more fun facts about Kiva Fellowships in this post and the accompanying spreadsheet.

Death By Fire
Country: Mexico / Fellow: John Farmer (KF14)
John considers the tension between business and family after meeting a borrower who successfully used microloans to set up a tamale shop but hesitates to make an expensive investment even though it would improve her family’s health.

Database Detective: South Africa Edition
Country: South Africa / Fellow: Alexis Ditkowsky (KF14)
For those of you who like reading about databases and reporting, Alexis has you covered. For everyone else who wants to visit a borrower, learn about her business, and look at lots of pictures, you’re taken care of, too.

Get into the groove
Country: Ukraine / Fellow: Jacqueline Gunn (KF14)
Jacqueline finally finds a cure for the shock of moving from Ghana to Ukraine in the middle of winter: visiting borrowers! Get to know Sergei, Yana, and Irina and learn about the philosophies behind their businesses.

Piece by Piece: The Garment Worker’s Loan
Country: Cambodia / Fellow: Stephanie Sibal (KF14)
Stephanie introduces us to the challenges of working in the garment industry through Sok, a Kiva client. Thanks to a recent loan, Sok purchased a cow which she hopes will increase her family’s income stream so she can send her sons to university one day.

Realities Of Microfinance In Benin. (Part 1, The White Man)
Country: Benin / Fellow: Gareth Davies (KF14)
In case you thought that picking up and moving to another part of the world was easy, Gareth explains some of the new realities he’s encountered as a white man in Benin.

Women Working for Women: Staff + Client Collaboration in Nepal
Country: Nepal / Fellow: Claudine Emeott (KF14)
BPW Nepal not only serves women through its loan products and personable customer service, it also provides a warm and supportive environment for its staff, management, and board members, the vast majority of whom are female.

New Horizons- A Fellow’s First Field Visit
Country: Armenia / Fellow: Caree Edson (KF14)
Caree’s first trip into the field was definitely worth the wait. In addition to being welcomed with cake and chocolate at the New Horizons office, she learns more about their loan products and partnerships, meets several borrowers with very distinct businesses, and eats lunch at “indisputably the most beautiful place in Armenia”.

~
Previous updates from the field:
Carnival, Collaboration + Cheese-Making
Man’s Day, Singing Fellows + Learning How to Count
Videos, Epic Commutes + Going Beyond Microfinance
“Christmas”, Trekking, Adversity + Good Company
~

Plus more pictures from this past week:

Armenia (by Caree Edson)

Mexico (by John Farmer)

Ukraine (by Jacqueline Gunn)

Nepal (by Claudine Emeott)

South Africa (by Alexis Ditkowsky)

Cambodia (by Stephanie Sibal)

Kiva's microfinance partners often provide services beyond finance, including housing (pictured above in Colombia), education, energy, agriculture, hospitality, business, women's rights, community, and culture.

Another week, another incredible range of dispatches from around the world. Several Fellows told their stories with video and pictures while others took time to reflect on the state of microfinance as a global industry and in their respective countries. And what would a week in the field be without getting to know a few borrowers? Plus, scroll to the end of the post for pictures you may have missed the first time around.

Video Blog – The Life Of A Kiva Fellow
Country: Dominican Republic, Haiti, Colombia / Fellow: Nick Hamilton (KF13, KF14)
Need a break from reading about what Kiva Fellows do? Then watch Nick’s video for a fun yet informative overview. (Don’t let the opening scenes on the beach fool you – being a Kiva Fellow is a lot of work.)

Video Blog: The Story of Lini Nanyonga
Country: Uganda / Fellow: Nila Uthayakumar (KF14)
Nila introduces us to Lini Nanyonga, a microfinance client in Uganda. Learn more about her business, how she used her loan, and her hopes for the future in this short video.

A Kiva Fellow’s Photo Album: Six Months Along The Equator
Country: Ecuador, Kenya / Fellow: Tara Capsuto (KF12, KF13)
Tara tries to find the words to describe her Kiva Fellowships but ends up letting photos of local foods, finding borrowers, hanging with Kiva Coordinators, and much more speak for themselves.

Ten interviews with Mongolian entrepreneurs
Country: Mongolia / Fellow: Amber Barger (KF14)
Be sure to click on each picture in Amber’s post for business updates from a meat saleswoman, a painter, a cook, a car repairman/builder of low-income housing, and five other borrowers.

Participating in the Dialogue: The Role of Microfinance Critics (Part 2)
Country: Bolivia / Fellow: Julie Shea (KF13)
Julie responds to some of the controversial statements being made about microfinance with the story of CIDRE, the microfinance institution she’s been working with in Bolivia, and a round-up of related links.

Kiva Field Partners: More than just microfinance
Country: Colombia / Fellow: John Gwillim (KF14)
As John details in his post, Kiva’s partners often provide services well outside the scope of traditional microfinance. In addition to examples from Colombia, read more about programs in Ghana, Paraguay, and Peru.

Money, Money, Everywhere
Country: Benin / Fellow: Gareth Davies (KF14)
Gareth makes thoughtful and stirring connections between Samuel Coleridge’s “Rime of the Ancient Mariner” and economic activity in Benin.

Mountains Beyond Mountains: The Landscape of Microfinance in Nepal
Country: Nepal / Fellow: Claudine Emeott (KF14)
Access to finance and microfinance in Nepal is directly related to geography – the higher you climb, the fewer the options. Claudine lays out the current situation while pointing to some promising developments.

The Highland Commute
Country: Guatemala / Fellow: Gustavo Visalli (KF14)
Gustavo gives us a taste of his daily commute in Guatemala. Find out how he survives “The Sardine Act”, “The Highway Shoulder Hike”, and “El Carnicero” (aka “The Butcher”).

Cindy’s Baptism by Onions
Country: Nicaragua / Fellow: Karen Gray (KF14)
The first visit to the field is just as exciting for new microfinance staff as it is for Kiva Fellows. While there are always challenges (often related to transportation), there can be unexpected surprises, too.

Microfinance Marketing 101: The Loan Officer
Country: Cambodia / Fellow: Stephanie Sibal (KF14)
As Stephanie writes, loan officers not only tackle on-the-ground PR for a microfinance organization, they also play an essential role in marketing, customer service, product feedback, and, of course, loan administration.

~
Previous updates from the field:
“Christmas”, Trekking, Adversity + Good Company
~

Plus more pictures from this past week:

Nicaragua (by Karen Gray)

Guatemala (by Gustavo Visalli)

Kenya (by Tara Capsuto)

Bolivia (by Julie Shea)

Mongolia (by Amber Barger)

Nepal (by Claudine Emeott)

Anyone familiar with Samuel Coleridge’s Rhyme Of The Ancient Mariner?  In particular the famous lines:

Water, water, everywhere, and all the boards did shrink
Water, water, everywhere, and not a drop to drink

For some reason the memory of this poem from school days long gone was resurrected during my first taste of life here in Cotonou. The difference is that here I found myself replacing “water” with “money” as the central theme.

Let me explain. I signed up to be a Kiva Fellow with certain preconceptions about the environments I might be working in: Basic, struggling, deprived, and definitely low economic activity. Not only that, but there would be hundreds (if not thousands!) of Beninese lining the streets clamouring for some capital to start their businesses.

Money, Money, Everywhere

Well, I was in for a shock. You see here in Cotonou, Benin, entrepreneurial activity is RIFE. I mean it’s everywhere – in fact you can get anything, anywhere, anytime. Every street is lined with row after row of street stalls selling food, petrol, electronics, car parts, clothes, furniture, and so on and so on (see photos). The entrepreneurial drive is as inspiring as it is astonishing.

And so it was that, clinging desperately to the back of a moto taxi dodging its way to work on my first day, two thoughts struck me:

1. Great, there’s an economy up and coming, this really is encouraging
2. But hold on, in a country with such an active micro-enterprise economy, where is the need for Kiva funding? Aren’t our borrowers trying to help the poor?

Well, as I sit here at ALIDe (Kiva’s partner MFI here in Benin) three weeks later I begin to glean some understanding. While accompanying loan officers to visit their clients a whole new side of the city was revealed to me – Well off the beaten economic track, marginalised communities reveal themselves in all their splendid poverty.

And Not A Drop To Drink

We all know these communities since they exist the world over, particularly in major cities: pockets of population struggling for inclusion on the economic ladder. Back home in the UK these certainly exist but we are fortunate to have a social welfare system in place to provide support and opportunities to these, even if it is sometimes found wanting. However in a place where the baseline wealth is already low (Benin ranks 134 out of 169 in the UN Human Development Index, just behind Yemen), a struggling community faces very real dangers on a daily basis, with no place to turn for help.

Where social welfare cannot provide for the needs of the most marginalised, the theory goes that there is hope in self-improvement through economic activity and income – my understanding of the American Dream.

As noble as this theory is, the communities I have visited have no such chance at participation. The barriers to entry to enterprise, although small in dollar value, are monumental to a family barely able to feed itself every day.

Rewriting The Story

A Kiva microloan enables this breakthrough. With mechanisms relying on social collateral rather than material, these people are able to join the thriving economic activity and have a chance to pull themselves out the poverty trap.

In the Ancient Mariner, the ship’s crew dies of thirst despite the abundance of water around them.

Let us hope that microcredit can provide much needed cash to the marginalised communities around the world and stop the needless deaths of the poor, despite the abundance of money around them.

…“Why am I doing this?”

Let me introduce you to the Kiva Fellows Phenomenon.

• 2 months ago I was sitting in an office in London’s West End in highly regarded and well paid job.
• One month ago I sat at Kiva HQ in San Francisco surrounded by 19 talented, driven, and fascinating people, all about to be scattered across the world in the latest exodus of Kiva Fellows.
• Yesterday I travelled through heat and dust to the slums of Cotonou, Benin, to see a group of potential borrowers and talk to them about Kiva.

The latest Kiva Fellows, ready to scatter

All across the world, in some of the poorest places that exist, our network of fellows has left behind friends, family, and all the conveniences we take for granted in the west. They are having very similar conversations with potential borrowers in their countries right now.

And yet we choose to do it. This is the Fellows Phenomenon. 

“No. Really. Why am I doing this?!”

The answer is, of course, Kiva. Or rather, what Kiva does, and what it represents.

Our unifying belief?

That responsible microfinance can empower the poor…

…to help themselves to a better quality of life…

…by actively participating in their economy.

And no-one does responsible microfinance like Kiva.

Kiva uses field partners (local microfinance institutions or MFI) to distribute loans to entrepreneurs across the world. We fellows assist these field partners in two principle ways:

1. Better to run their operations, ensuring they can spread their scarce funds as far as possible to help the most out of reach entrepreneurs get access to credit.
2. To ensure transparency and social responsibility it their actions, so that they may shape a sustainable and positive microfinance industry in their countries.

A brighter future

By carrying out these tasks, I am helping Kiva’s field partner in Benin (an MFI called ALIDé) build the country’s economy from the very bottom. I think this is worthwhile enough to abandon my comfortable life for at least the next four months. So do nineteen other fellows across the world right now. So have nearly 350 other fellows since the programme started four years ago.

There are many ways to see how powerful a force against poverty Kiva is. The Fellows Phenomenon is only one of these. I’m not asking everyone to take the extreme steps we have taken, but I would ask you to consider where your money goes and what it does.

And whether just $25 of that could be loaned to a Kiva entrepreneur today.

See entrepreneurs on Kiva today

Read more about Kiva Fellows Programme

Find out more about how Kiva uses field partners across the world

Find out more about my field partner ALIDé

Gareth Davies is a newly arrived Kiva Fellow in Benin, West Africa. The next four months will see him work alongside ALIDé to spread their Kiva operations in marginalised communities across the country.



You never forget your first (Kiva) time

I funded my first loan on Kiva in the very early days, back on April 13, 2005 in fact. I remember like it was yesterday the first time I received a repayment for that very first loan. Sitting at my desk in San Francisco, I paused for a second to try and measure what had just happened:  money was flowing from San Francisco to Kenya, and then back to San Francisco, from the comfort of my office.

I also remember the day that first loan was fully paid back. Since I had financed the entire loan (I had not yet bothered spreading the risk across multiple loans in my portfolio…), I had just enabled a woman in Kenya to purchase a dairy cow. And I got my money back. All of it. On schedule.

Since that time, I have always wanted to find a way to visit Kiva borrowers
on the ground. More than five years later, I have finally gotten a chance to see Kiva “in action” as I am currently a Kiva Fellow working on the ground with ALIDe, Kiva’s partner in Benin, West Africa.

Visiting my first Kiva borrower in Benin is another first I will never forget. I was of course very eager to get in the field as soon as I landed and my second day in Benin, a loan officer took me to one of “his” borrowers. When we arrived, it took me a little while to adjust to what I was seeing. Here I was, in a slum in Cotonou  (the capital of Benin) that had been recently flooded and let’s just say that this place made the slums in the movie “Slum Dog Millionaire” look like the Ritz. Further underscoring the cultural differences as we conducted our visit, the woman was quite comfortably wearing nothing above the waist.

As we started talking (seeing a white male in this part of town was a first for her), she proudly explained that she buys fresh fish, smokes them, and then sells them by walking around with a tray on her head. Her Kiva loan allows her to buy both the fish and the coal she uses to smoke the fish in bulk, thus reducing her cost of doing business and improving her margins. As we talked, she got really excited about what she was doing, the entrepreneurial gleam lighting up her eyes, and since she was smoking a batch of fish right then and there, she invited us for a tour.

It’s a fairly simple process really: she first buys fish in bulk at the Dentopka market, the largest in Benin, then stores it in what she calls the “freezer” before smoking the fish on a small BBQ pit made of a recycled car wheel and finally letting the fish dry further in the sun. I  must have had a puzzled look on my face when she mentioned the freezer because, yes, I was trying to figure out how a freezer could have made its way here. When, with a proud smile, she lifted the wet piece of fabric on top to show me how it worked, I quickly realized that the freezer was in fact just a recycled wooden crate. In a nutshell, it didn’t smell quite like roses and enough flies got out from under the wet rag to add more than a full serving of protein and demonstrating that value can be added to an end product in many different ways. Here is a brief and raw video of the overall process:

http://www.youtube.com/watch?v=qIMTf4Nqq5I

When we left, she looked at both of us with a huge smile and indicated that once her current loan is repaid, she can’t wait to get a bigger loan to further expand her business.

So whether this is your first time visiting Kiva.org or not, go ahead and click here to make a loan!

Frederic Billou is a Roaming Kiva Fellow currently working in Benin.

As a Kiva Fellow working with ALIDe, Kiva’s partner in Benin, I spend  a lot of time visiting Kiva borrowers. After almost 3 months in the field, here is a quick snapshot of 3 borrowers, each with a slightly different reason to smile…

First, here is a current Kiva borrower who came to an ALDe branch to make a repayment and then very proudly flashed a brand new national ID card. These cards are very difficult to obtain here and require a ton of paperwork that is often difficult to get (for example, you may need to get a birth certificate from the head of the village you were born in, which happens to be a 10 hour bus ride from where you live now.) The reason for her mile-wide smile? With such an ID, she is now eligible for a larger Kiva loan through ALIDe in the future and is very much looking forward to it to continue to grow her business.

Second, this little guy…he isn’t quite smiling here yet, too busy watching closely the food his mom is making, very eager to do his part and try the food out to make sure it’s ready to be sold to the entire neighborhood. His mom, a Kiva borrower, is buying her cooking supplies in bulk at the Dentokpa market, the largest in Benin, thanks for her Kiva loan.

When I came back a couple of hours later, he was smiling from ear to ear. Oh and yes, he was eating.

Third, this borrower proudly displays the inventory, financed with a Kiva loan, which allows her to pay for her 4 kids’ education.

As you can see, Kiva loans put smiles on borrowers’ face for different reasons…So why not put a smile on someone’s face today (and hopefully yours too?) Click here to make a loan on Kiva right now!

Frederic Billou is a Roaming Kiva Fellow currently working in Benin.

The “last mile” is one of the most discussed topics when debating microfinance:  No matter how optimized and efficient a microfinance institution may be,  developing countries are still very much cash-based  and loan officers have to cover the “last mile” to physically reach borrowers , disburse funds, collect repayments and build and maintain a close relationship over time. As such, this “last mile” is one of the largest expenses for many microfinance institutions reaching rural borrowers.

Here is one of my recent “last mile” experiences working with ALIDe, Kiva’s partner in Benin:

First, a 30mn moto taxi ride to the office:

From there, it was a 1.5 hour motorcycle ride. We of course had to stop for gas, a bottle at a time.

And then came the last mile, literally. The loan officer I was with mentioned that there was a shortcut via the “bas fond” (the swamp) that would save us at least 30mn, but that it might be a bit scary for me. I pleaded my case quickly:

• I used to own a motorcycle and am not easily scared.
• After riding on the rear mudguard for 1.5 hours  on dirt roads with potholes the size of a cow, any shortcut sounded really, really, really good! (dirt bike = no real back seat to speak of)

So, about that shortcut…Enterprising folks in the village had basically tossed a bunch of sand bags in the swamp to create some sort of path. However, before we could try out this clever piece of engineering,  we had to deal with a typical “African rope”: a rope was blocking access to the path and three guys were collecting money. I am used to this routine by now: it involves a bunch of guys with nothing better to do than collecting/stealing cash from passers-by to finance their own supply of cigarettes etc. Some of these guys can be pretty aggressive, while others can be easily handled with a “I will pay on the way back…”  if they are drunk/high enough already, or maybe simply in a good mood. To date, I had always managed to get past these ropes without paying.

This time though, everyone was paying without arguing at all.  It turns out that this was a legitimate toll booth, collecting funds to pay for additional sand bags and overall “maintenance”. The toll was 100 Francs, i.e. 20 cents US or about the price of a loaf of bread.

Enjoy the ride! (warning: this was a *very* bumpy last mile.)

And we finally reached our destination!

That “last mile” from the ALIDe office to that single borrower took about 3 hours and the monthly repayment from this borrower is about $11 USD…

Frederic Billou is a Roaming Kiva Fellow currently working in Benin.

As a Kiva Fellow working with loan officers from ALIDe, Kiva’s partner in that country, I am fortunate to spend a lot of time in the field, visiting many Kiva borrowers.

As mentioned in part 1, the vast majority of people relying on micro loans are extremely dedicated to repaying their loans on time. While one may think that people with such limited resources are higher risk, the fact that their loans  actually insure their subsistence in most cases makes it quite literally vital for them to remain on track. In fact, since micro loans are often at first their only access to capital, it’s critically important for them in building  a credit history which can enable  them to get a larger future  loan and finally break out of the poverty cycle.

In fact, at the time of this writing, Kiva’s global repayment rate current stands at 98.99% and ALIDe’s repayment rate stands at 100%.

Despite the best intentions, from time to time a client is late with their repayment and it’s time to do a “recouvrement inter-agence” (“inter-branch collection”). Simply put, 10 loan officers from the different ALIDe branches get together with one of the branch managers and hit the road on their mopeds to visit some of the delinquent clients for that specific branch together. The purpose is to better understand the reasons why these payments are late and to define a go-forward strategy. Invited to join just such a recovery expedition (that meant arriving at 7:00am at a branch across town..), here is the first thing I saw:

While there are usually a lot of mopeds and motorcycles in the courtyard, this many this early was unusual. Knowing what was in store, I paused to smile at this local “bumper sticker”…it basically means “the blood of Jesus is protecting me”. And of course, the other sticker below provided extra food for thought:

The approach to a recovery mission is very well choreographed. It basically relies on the time-tested “good cop-bad cop” strategy: the loan officer who has built the relationship with the client leads the team to the borrower’s house and plays good cop. The posse parks its motorcycles in front in full view of the entire neighborhood, half of the group remaining outside to answer neighbors’ questions and apply a bit of indirect peer pressure on the borrower. The branch manager, playing bad cop in a suit and tie, also stays outside. Once the good cop loan officer has assessed the situation, the branch manager walks in with the remaining loan officers. Of course, since the borrower has never met the “boss” or these specific loan officers before, this adds a bit an additional pressure as well.

But visiting clients to collect late payments doesn’t necessarily equal a solemn atmosphere. One client who noticed me, the “Yovo” (the “white guy” in the local dialect), in the bunch of agents, pointed at me and laughing, said to the “real” loan officers: “Oh I see, you were afraid you would not be able to recover the money, so you brought a Yovo with you”… The group busted out laughing and that’s when she delivered the punch line -with a timing so perfect she would have made Seinfeld proud- …”because, as we know, the Yovos sure know how to steal from us!” The entire group was on the floor by then, including the client and yours truly.

During our mission (we visited 10 clients), we were able to recover late payments on the spot from 2 clients, get agreements from 6 borrowers to come to the office the next day and repay their missed payments (they all did, including the lady above) and left convocations for 2 clients who were not at home.

How much a microfinance institution must try and get the loans repaid is always an interesting question. In my (and others’) mind, the only way microfinance can be successful is if microfinance institutions such as ALIDe are self-sustained and can reach more clients over time, making an ever bigger difference. Based on my interaction with ALIDe, I am not surprised that they currently have a 100% repayment rate: they build a true relationship with their borrowers, bundle their lending with a very social approach that includes mandatory financial training as well as free  classes on social topics such as nutrition etc…During the recent floods, they also offered water-purifying tablets.

In conclusion, I thought a sign posted on the back of the window (ie facing the teller) at one of the “centre de decaissement” (where the borrowers come to collect the cash initially and bring their repayments) provided an interesting perspective on this Kiva partner.

It stated:

• If you lose money, you don’t lose anything
• If you lose your health, you lose something
• But if you lose your courage, you lose it all

Frederic Billou is a Roaming Kiva Fellow currently working in Benin.

As a Kiva Fellow working with ALIDe, Kiva’s partner in Benin, I am spending a lot of my time working with loan officers (“agent de credit”) in the field, visiting Kiva borrowers.

The loan officers, employed by ALIDe, are key to Kiva’s model since they are our eyes and ears on the ground, interacting with borrowers on a daily basis. They are really loved by the community and true ambassadors to both Kiva and ALIDe since 100% of ALIDe’s business comes via word of mouth. In fact, you really can’t ride around in their patch without having to stop every 30 seconds to say hi to one of their Kiva borrowers. Of course, seeing a “yovo” (an affectionate term meaning “white person” in Fon, the main dialect of Benin) only increases the borrowers’ curiosity, and offers yet another reason to stop by, come in and visit for a bit.

Whenever I am offered something to drink, I regretfully have to decline since my “yovo stomach” can not handle the local water. Instead, I pull out what I call my “yovo water” (ie bottled water) and share it with the household. The term “yovo water” usually triggers many laughs and interesting questions around food and what else I can’t handle. I am happy to report that, so far, the local spicy food and I are getting along just fine. So far.

I spent the last two days with Rose, one of my favorite loan officers, visiting existing borrowers as well as prospects. Here is a picture of Rose taking a picture of a new Kiva borrower, Odette Tchedji, to be able to publish the loan request on the website:

You can click here to see the actual borrower profile as it appeared on the site. As you may notice, this loan was funded on the site in less than 24 hours, a true testament to our community of lenders and the overall velocity of the Kiva model.

We also visited Noussirath Zannou, an existing borrower, to understand whether the recent floods had impacted her and how she was doing overall. She showed us how far the water had risen during the recent floods, but thankfully, confirmed that her family was safe, and that she was able to salvage most of her inventory (she is in the business of selling health-related supplies, such as toothpaste and soap, from home). Despite these recent challenges, she is able to pay back her loan on schedule and is looking forward to getting a larger loan in the future to further grow her business.

As you can see from her doorstep, even though the rain stopped in earnest almost a month ago, things are not back to normal yet. As a side note, it can be quite challenging to ride on a motorcycle in this mud, so let’s just say that wearing beige pants that day wasn’t my most brilliant idea.

To Be Continued

Frederic Billou is a Roaming Kiva Fellow currently working in Benin.

On Thursday, a story about Benin reached the New York Times.  That article, “Scheme May Unmoor Benin, An Anchor of Stability,” has prompted me to write you.  While it’s nice to see Benin finally playing a role on the international stage, I fear that this story will give an incomplete and inaccurate view of Benin and its people, and discourage potential investors at a time when they are most needed.  This threatens the hope for which Kiva and the people of Benin who have worked so hard.

Unfortunately, a couple of weeks ago, a scheme was uncovered in the country – a Ponzi-like scheme that is devastating tens of thousands of Beninese families.  Officials estimate that between 50,000 and 70,000 people were affected to the tune of $180 million, but the unofficial numbers are much greater when you add in the extended families that breadwinner often support.  In a country where the GDP is only $690, $180 million is a lot of money.  Losing $300 means losing half of your annual salary.

Most likely, Kiva’s clients in Benin didn’t invest in this scheme.  Their loans average $349, which was about what you needed to buy in.  But I can say that their families are still affected, as are their customers and their bank officers, as the aftermath of the scheme trickles down.

I’m writing to urge you not to give up on the people of Benin. Although there are currently no loans posted for Benin on the Kiva website, I encourage you to continue to check back and consider investing in Benin and its future however you can.

Thanks,

Marie Leznicki

KF10, Benin

But then there are also the times when I step back and realize that most of the women are selling the same items.  They almost always do what their mothers did before them and most of the time it’s retail: be it selling food, toiletries, fabric, or something else.  Now I don’t have any problem with retail in general – I mean, we need these goods – but in a country with a high rate of unemployment, which drives fierce competition, it’s hard to add value to these products, which are almost always imported and therefore identical woman-to-woman.  With the amount of people desperate to sell their wares, the prices of these objects are extremely low and their ROI is pennies at best.

Sure Alidé’s loans allow these women to maintain their businesses, and sometimes even grow them, enabling them some financial security, but I have to wonder how long will this last?  If these women are selling the same thing as their mothers and their mothers’ mothers, what will their kids do?  Is it really possible that a toothpaste selling business can continue to grow with each generation?

It makes me question if perhaps you need an entrepreneurial class to move out of poverty — a group of people that invents things, creates things that can have a value beyond their importation costs, and ensures enough of an economic flow to sustainably create more infrastructure?  I wonder if that’s something that can come through the education of the current or even next generation?  Or do you just need a Gap to come in and open up a factory and give more of the population employment?  How do you get more people generating income and enable and empower their families, their communities, and their country to develop?  I’m not sure.  What do you, Kiva Fellow’s blog readers, think?

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

Most of Alidé’s clients don’t have any traditional collateral so they form solidarity groups to back each others’ loans.  These groups then become friends with other groups and usually a leader emerges that organizes weekly meetings for everyone – meetings where they can make new friends, talk about their businesses, learn from each other, learn from guest speakers that are brought in to speak on finance, business, and health, etc.  These meetings are never boring and always well attended.  And, sometimes, are simply parties to celebrate their success and/or the existence of Alidé for making their success a possibility.

One such group meets every Monday.  Below are some pictures from a recent meeting, where they celebrated six years of being Alidé customers.

Interested in loaning to one of Alidé’s clients?  Click here to see if there’s any loans available right now. Or to join the Friend of Bénin lending team, click here.

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

Fear:  They say that while Benin has about 50% Christians and 40% Muslins, 95% of the population simultaneously practices Voodoo.  This means you can buy fétiches (magical objects like monkey skulls) at the market, and that you’ll encounter a number of clients who fear that having their picture taken might steal their soul.

Delight:  On the opposite end of the spectrum are the clients who revere having their photos taken.  Once they realize that that’s what you’re there to do, they run off to change their outfit (sometimes twice) and fix their hair.  The credit officers find this annoying, but wouldn’t any person want to look their best if they’re going to have their photo plastered on the most visited micro-finance website in the world?

For the fearful, sometimes they simply decline the photo and don’t end up being Kiva entrepreneurs.  But many are as intrigued as they are scared and agree to do it if you take your photo first and survive.  The delighted also want a picture of you, but with them hugging you.  I’m happy to oblige.  Who wouldn’t want to hug a person who’s working hard at their business?

No matter which path to the photo is taken, there’s a lot of gasps and laughs and the camera is usually passed around to friends and neighbors and anyone else that is near, all agreeing that it was a very nice photo.  No one asks for a retake.

Interested in loaning to one of Alidé’s clients?  Click here to see if there’s any loans available right now.  Or to join the Friend of Bénin lending team, click here.

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

The first class is an informational session, discussing credit in general and Alidé’s offerings as a company.   The second class is about health and staying healthy.  The number one reason clients don’t pay back their loan is for health reasons, so this class is less of a public service than an attempt to get a better repayment rate.  The third class talks about how the actual loan works, what the client has to do, what the credit officer will do.

Class is usually held at the courtyard of an agency and starts with everyone singing a community-boosting national song together.  Then the credit officer presents the material.  People ask questions throughout, in a manner that shows their interest and involvement.  It’s a really great experience for all (especially me!).

The only thing that isn’t great about the classes is that it adds cost to the loans.  The interest rate for most clients is already 24% (which actually isn’t that high considering the cost Alidé takes on in borrowing it’s own resources plus inflation and the cost of visiting these borrowers in the field), but attending these classes and later going to the agencies to make deposits raises the costs of a loan to almost 40% (as estimated for a recent study on social impact).  That is quite a lot, though I guess it’s still better than no credit.

Alidé’s loans sell out quickly, click here to see if there’s any available right now.

To join the Friend of Bénin lending team, click here.

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

For those of you who want to try this at home, here’s one Kiva entrepreneur teaching me the art of baby-strapping (and her amused friends in the background).

Want to do more?  Loan to one of Kiva’s entreprenuer’s in Benin.  Or join the Friends of Benin lending team!

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

I gave her a print out of the certificate on my second day, but she kept putting off when we’d use it.  Last week when there was a lull in work, but solid-seeming electricity, I decided it was time.  She didn’t seem happy about my decision and begged for another colleague to join us.  But I don’t understand.  What do you want us to do? they asked with alarm.  I explained (again) that it’s a gift certificate so that they can loan $25 to an entrepreneur somewhere in the world and experience all the steps of being a Kiva lender (choosing an entrepreneur, getting email updates and journals about the loan, being reimbursed, etc).

They looked petrified and asked the same questions three more times and while my French could be better, it’s not that bad.  Through some probing, I realized that they simply didn’t understand where the $25 was.  They (fairly) didn’t understand the concept of a gift certificate (when you think about it, it is kind of weird).  Was I making them pay $25 of their own (that being several days pay)?  Who was paying?  Someone had bought that piece of paper?  That piece of paper cost $25?  How is it like a wire transfer when there was no account information?  If not them, who was going to have to pay $25?

When I finally got them on board and we picked someone we liked (a cobbler in the Philippines), the code didn’t work – kiva.org said it had already been used.  This put a dent in my enthusiasm and I feared that it had confirmed to them that the piece of paper couldn’t have been worth anything.

This week, they were the ones who broached the subject.  When can we try again? they asked.  Armed with a new gift certificate, we did some searching and eventually loaned $25 to a storeowner in Senegal.  They liked her because she was asking for a smaller sized loan (they found the thousand dollar loans to be too much) and because she had two kids and ambitions.  It didn’t hurt that her bio was in French, either.

Upon our payment, giddiness ensued.  Je suis Kiva lender! (I am a Kiva lender!) my colleague said and we promptly created a lender profile with a photo so that you could see my colleague proudly displayed among the list of the woman’s lenders.  And then we joined the Bénin lending team, talked about starting an Alidé lending team, and checked out our portfolio.  Later in the day, my colleagues called me to report having received an email confirming that the loan had been fully funded.  This made me very happy – they totally understood the excitement that is Kiva!  I hope the experience (today and during the repayment period, hopefully accompanied with a journal) will show them why their job is so important – and why Kiva is so much fun.

Alidé’s loans sell out quickly.  Click here to see if there’s any available right now.

To join the Friend of Bénin lending team, click here.

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

Sadly, this is a pipe dream for many of Alidé’s clients; building a house is expensive (can be up to a few thousand dollars).  Which is why I was really excited to hear about the launch of Alidé’s newest type of loan.  Up until last week, Alidé offered six types of loans, all for business use and almost all for under US$1,000 (in fact, based on my calculations, approximately 70% of Alidé’s loans are under US$225).  This week they launched Crédit Akowé, which can be used for personal use and be for greater sums of money.  So far a few clients have signed up and it appears as though all plan to use their loan to build a house.

Unfortunately, to qualify for Akowé you need proof of a consistent income, as from a salary, so most of Alidé’s regular customers won’t qualify.  But for these clients and the ones that will follow, it is great news.  It’s hard to get a loan for the sums they’re requesting (in the low thousands) at a big bank, and if granted those would come at higher interest rates.  Only a few micro-finance institutions in Benin offer loans of this size and nature, so it is a big deal both for Alidé and their clients to be launching this program.   While it’s not serving the “poorest of the poor” (and in reality, no micro-finance institution ever does) nor will it be offered as a Kiva loan (it’s above Kiva’s caps for the region), it is allowing these deserving folks to realize their dreams.

For loans currently available from Alidé, click here.

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

About two hours into my first day at Alidé, Kiva’s field partner in Benin, the power went out.  Do you have a lot of power outages in the United States? the Kiva coordinator asked me. We do.  It was a tough question due to the resigned disappointment in her voice.  No, not very often, I said, but we did have a big one a few years ago, which affected tens of millions of people and lasted several days for some. And I went on to recount the Northeast blackout of 2003, coincidentally one of my favorite days in New York City, and she seemed to feel better.

The next day, the questions got harder.  We all received a mass text from the telecom company saying that the entire city of Cotonou (population approximately 1.5 million) would have no water service over the weekend (depressing news to be delivered through such a novel media).  Do you have a lot of water outages in the United States? she asked in the same tone as the day before.  I couldn’t recall that ever happening.

Message from MTN

Of the expats working in Cotonou – and there are quite a number of us – I am the only one that I’ve met that doesn’t work at an international NGO.  This means they have air-conditioned offices with back up power generators for electricity, reservoirs for water, and satellite hookups for communications.  At Alidé we have none of these “luxuries.”  Of the 2.5 days I spent at Alidé’s head office this week, we had power maybe half the time, internet half that, and running water never.  Alidé’s eight branches have even less services.

People waiting in line to stock up on water on Friday

This is the way of life for many people in Benin, a country where 50% of the population lives below the dollar-a-day international poverty line, but it’s surprising (read: depressing) for me to see this at a company who supports about a third of their business through their electricity-needed, internet-based relationship with Kiva.

Right now it’s dry season in Benin, which means that power and water outages are becoming even more common.  Despite these challenges, no one is complaining and the Alidé team believes we’ll still come close to meeting our fundraising quota from Kiva for the month.  Needless to say, after week one, I am very impressed.

For loans currently available from Alidé, click here.

Marie Leznicki is a Kiva Fellow serving her placement with Alidé in Benin.

             My fellowship in Benin is nearly over.  It has been ten weeks of hard work, but I have learned a ton and I have great stories to take back to the US.  Some everlasting memories  include taking a baboon for a walk (yes, on a leash), being told that I could only wear a speedo at the swimming pool, and visiting a sacred forest, the home of a tree that was once a king.  More importantly, now I better understand my reason for being here.  During my first few weeks, when everything was stressful and confusing, I remember writing in my journal, “Why I am here?  What difference can I, a foreigner, make?”  Now, I think I have found a good enough answer for myself.  Here are a few things I have learned:

              Development takes a long time.  Democracy in Africa is at most fifty years old.  A working financial sector is even younger.  Benin was communist in the 1970s and has therefore only recently adopted a market economy.  Although the example is dated, our own country had a lot work out in the first fifty years of its history.  Many people, including myself, want an easy answer to all of the world’s problems.  But it doesn’t work that way.  We work on a problem and then others build on what we have done, slowly resolving the problem.  Microfinance is a perfect example.  It is a relatively new field and we are all working to make it stronger.  It is not perfect right now.  It is often hard to see a real impact after someone has taken out three loans and they are still selling a small stock of goods on the side of the road.  But at least, people are learning how to manage their money.  Many borrowers on Kiva have already received a loan from their MFI, meaning that they are considered financially trustworthy.  In the future, an MFI might decide to offer advanced money management courses that help people establish financial goals.  More Kiva Fellows go out into the field to make Kiva’s work better.  As the Kiva community, we should always be thinking of ways to improve what we do, but also we should be patient and give development a chance. 

            Our world is shrinking whether we like it or not.  We are traveling more, learning new languages, and meeting people who are different from us.  People in Benin listen to American music and watch Lost and Prison Break.  In the rural north of Benin, people are starting to receive Internet service via cell phones.  We no longer have the choice to remain separated from the rest of the world.  It is our responsibility to engage each other, to figure out where all this is going.  This is one great benefit of the Kiva Fellows Program—you enter a totally new environment and are forced to interact.  I believe that it is hospitality that can connect us all.  Almost every culture in the world places a high priority on hospitality.  People in Benin often offer to pay for me, even if they do not have very much money.  It is a sign that I am welcome in their country. Often when I say goodbye to someone in Benin, they say, “no worries; we are always together.”  Luckily, if we all hold onto our shared generosity and hospitality, we have a lot to look forward to in the future. 

            In short, engaging the world is relevant and necessary.  It is easy to be cynical or overly optimistic about international development, but I think it’s better to be somewhere in the middle.  A lot of work still needs to be done to promote development and increase cultural understanding, but through Kiva, we are doing our part.  As a Kiva Fellow, I have been able to meet some of the people that you lend to from thousands of miles away.  I think this is powerful and I am fortunate to help make that connection.  I look forward to continuing to lend to others around the world over the years.  I wonder what microfinance will look like in ten, fifteen years…

            Part tour guide, part Kiva-in-Benin promoter, here are a few photos of this beautiful country:   

Ganvier, the "Venice of Africa", located thirty minutes north of Cotonou

On the road to Bassila. During the rainy season, Benin is quite green.

A mosque in Porto-Novo

A view over the Dantokpa Market in Cotonou.

Andrew Whiteman is a Kiva Fellow (KF8), currently working at Alidé, a Kiva Field Partner, in Cotonou, Benin.

Please consider joining my lending team, Friends of Benin.  Together, we can make a difference!

A view over Dantokpa Market, where many Alidé borrowers sell their goods

 

One day, I walked into one of Alidé’s offices in Cotonou to work with the loan officers.  Right inside the gate, in the outdoor waiting area, I saw about thirty women seated patiently in perfect rows.  Everyone was wearing their best pagnes, brilliantly colored Beninese fabrics, so I could tell that it was an important day. 

After working for a little while, I started to hear drums and shakers.  The sounds were sporatic at first, as if the drummers were warming up for a performance. Soon enough, I heard lively chanting and a quick-paced rhythm.  It was very close by.  The neighborhood around the office is often noisy, so I assumed that the drumming was coming from some other building.  I had to go outside to investigate because the music was too good.  Low and behold, the drumming and chanting was coming from the women who I had seen earlier. All of them were dancing and moving to the drumbeat, smiling and having a great time.  One woman was leading the rest in front of the group, in a call and response fashion.  The space was full of energy.  With thirty people dancing their hearts out around you, it is impossible not to want to join in.  

I had to ask what all this was about.  Drumming and dancing was not something I would have expected from a microfinance institution.  An Alidé employee explained to me that these women were part of a women’s group and had all recently been granted Alidé loans.  The woman leading everyone in the singing and dancing was the group’s president.  They were expressing their gratitude to Alidé for the ability to have access to credit.  For some reason, I found it hard to imagine singing and dancing happening in the United States when someone received a loan.   Well, I guess maybe these days.

Women’s groups like these are very common in Benin and in the world of microfinance.  Their purpose is to help women manage their money.  The members help each other sort through the loan policies and to remember to repay each month.  In this way, the mutual support and subtle pressure helps prevent borrower default and delinquency.  During the meeting I witnessed, the president stood up and spoke very sternly to the group about a few women who had not paid their loans back.  Groups like these are responsible in part for the low loan default and delinquency rate on Kiva.  Alidé’s clients are about 90 percent women and many are members of such groups. 

The singing and dancing soon stopped and everyone took their seats again.  Two of the loan officers approached the front of the group and started speaking rapidly in Fon.  The Alidé employee sitting next to me told me that the loan officers were now giving a training session on Alidé’s policies.  After borrowers are approved for loans, they are required to come to the office to learn all of the necessary information about interest rates, loan terms, and repayments.  The loan officers also gave some practical advice.  They stressed that the women should discuss their loans with their husbands and take care of their health. 

These groups, with the help of loan officers, are helping women to better take control of their lives.  Virtually all of Alidé’s borrowers on the Kiva website have received more than one loan from the institution, meaning that they are reliable customers.  Each new loan means a little more money, greater inventory at the business, and greater profits.  The singing and dancing I witnessed showed me how important the access to credit is to small business owners here in Benin.  It was a heartfelt, genuine thank you from people in need.  I am convinced that microcredit an important service that can only be expanded to more people.  Since witnessing my first Beninese thank you, I have seen several others at Alidé  offices.  These types of experiences keep me in love with Africa and its rich culture.      

Andrew Whiteman is a Kiva Fellow (KF8), currently working at Alidé, a Kiva Field Partner, in Cotonou, Benin.

Like most of Africa, Benin’s education system is riddled with problems. Its educational woes start at the primary level. The main language of instruction in Benin is French.  Educational resources written in Beninese languages hardly exist. Therefore, children whose native language is Fon or Yoruba have to learn material while trying to understand a new language. This problem is particularly evident in the rural north of Benin.  As a friend of mine said to me, it would help if more students started school in their native language and gradually transitioned to French. But this is a long-term goal.

Students must pass two national exams in order to graduate from high school; however, the pass rate of both exams is very low.  The first is the BEPC, Brevet d’etudes du premier cycle, taken at age fourteen. Then students take the Baccalaureate, or Bac, at the end of high school.  When you visit Benin’s national education website and scroll through Bac results, it is startling how few students pass. Because entry into the few national universities is guaranteed to students who pass the Bac, the exam is very difficult. Therefore, many students struggle repeatedly just to pass high school. Even smart, dedicated students have trouble moving to the next level. Many are simply unprepared to advance.

Unfortunately, things are far from ideal even for those who are lucky enough to pass the Bac and go on to university. Cotonou is the only major economic center in Benin and few jobs exist even for the brightest of the bright. It is no wonder that everyone wants to move to Europe or the United States. Imagine how frustrating it must be to graduate at the top of your class and have no opportunities to use your talents. Many are also frustrated by visa requirements and a lack of fluency in English. 

And yet, despite the odds, education remains an important priority for people in Benin. I was sitting at a hotel lobby a few weeks ago, watching TV. The hotel manager came running into the room and asked if he could change the channel. The BEPC results were set to come out that day and they were to be announced on TV. Judging by his excitement, I imagine that he had a child or another close relative who had recently taken the exam. Soon enough, more people trickled into the room and we watched the results together. It was obviously a big day in Benin. 

Education is the starting block for progress and success anywhere. It is how people get ahead in life. People in Benin, like anywhere, want to get an education and succeed.  But without a well-established, functioning system, people have to look for any work they can find. That’s why so many people are selling the same goods along the side of the road; they do whatever they can to survive. This is where Alidé and other microfinance institutions can help. By offering loans, microfinance institutions are teaching people how to manage their money. I have witnessed many training sessions during which loan officers explained interest rates, repayments, and loan terms. This is important information to know.  Also, the access to credit gives people the opportunity to innovate and be more successful. With the help of a loan or two, a vender might be able to sell a new product and to increase sales. It might give someone else more time to study for a test. It is a small step, but an important one.  As well, how could microcredit be used to further expand educational opportunities?  Could microcredit function as a source for student loans?  

There is no simple answer to correcting large problems in education and economics. Benin, Africa, and the whole developing as a whole will all hopefully become more prosperous in the future, but it will likely take a long time. A lot of work needs to be done to address huge problems.  If anything, the importance placed on education in Benin is a good sign for its future.  In the meantime, we can continue to support the financial system, which is helping people to learn money management and to improve their standard of living. Many borrowers in Benin rely on Kiva lenders for funding and we have the unique opportunity to help provide assistance.  

Andrew Whiteman is a Kiva Fellow (KF8), currently working at Alidé, a Kiva Field Partner, in Cotonou, Benin.

View of Cotonou Benin

Over the past two weeks, I’ve spent a fair amount of time at Alidé’s field offices.  These offices are where the heavy lifting of Alidé’s work gets done.  I often walk into an office to find fifty women waiting to be interviewed for a loan.  Each office has about two or three loan officers, so, as you can imagine, these interviews are very time consuming.  Interviews can easily last all day.  Nonetheless, the loan officers patiently sit down with each person until the work is done.

I am quite impressed by the loan officers’ dedication to Alidé.  I think that they have the most difficult and time-consuming job of the entire operation.  While the whole city of Cotonou takes a two-hour siesta during lunch, they often do not have this option. With so much to accomplish, they can easily work well into the evening.  Not only do they have to conduct interviews, they are also responsible for communication and follow-up with Alidé borrowers.  For one, this involves conducting training sessions on Alidé’s policies.  I can only imagine the difficulty of explaining finance to a group of borrowers who do not have a formal education or any previous experience with loans.  Loan officers also have to make sure that borrowers actually pay each month, which can require a special visit to those who are delinquent on their payments.  It is obvious that this work takes a lot of patience and hard work.

In the midst of this bustle am I.  In order to better understand Alidé’s work and to conduct interviews, I need to go into the field.  I have to work with the loan officers because they know the clients best and they can translate French into Fon, the local language.  They help explain to the borrowers the reason for my visit.  Such a link is crucial in a place where I am clearly an outsider.  Understandably, I often have to wait until the loan officers have a chance to fit me into their schedules.

An experience yesterday with a loan officer really stood out to me.  I was out in the field conducting borrower visits, with a loan officer named Gildas.  We finished enough for that day and he told me that we had a few errands to run before returning to the office.  We rode around the city, occasionally stopping to speak to someone.  After a few stops, I asked what they were discussing.  Gildas told me that he was reminding them of a meeting set to occur the next day.  The subject of the meeting would be Malaria Prevention.  Meetings such as these, he told me, were some of the social services that Alidé provides.  Gildas and I went around the city to make personal visits to at least fifteen people.

To me, this is remarkable. These guys are so busy and yet they are still enthusiastically offering these services.  It makes me really respect the work that they are doing and grateful for the time I have with them.  Alidé obviously has a lot to do and yet it still makes time to go beyond its normal call of duty. Although a financial institution, its mission is much broader than just making money. One of my colleagues is working on a plan to provide micro health insurance to borrowers.  On top of the health campaign, Alidé gives small interest-free loans to people who want to start business activities.

Alidé understands something important:  to have a well-functioning society, people need basic services like health care, education, and access to a little cash.  Everything is interconnected.  Alidé’s efforts may be small in the grand scheme of things, but I think they have the right idea.  The staff is very committed to the mission.  I give them a lot of credit.

Andrew Whiteman is a Kiva Fellow (KF8) currently working in Benin.

            I am approaching the two-week mark of my fellowship in Benin and things are off to a good start!  I am working for Alidé, an MFI based in Cotonou, the largest city in Benin.  Alidé is a relatively new partner of Kiva and is showing great promise.  The Kiva Coordinator at Alidé, my main colleague, is committed to strengthening the partnership and teaching the other staff members how to use Kiva.  I have a good feeling that we will work well together.

            During these first few weeks, I have definitely noticed the language barrier.  I came to Benin with a good, working knowledge of French, but there have been inevitable difficulties.  People here in Cotonou speak French, but the accent is unfamiliar and conversations also include many words in Fon, the language native to this region.  I often find myself struggling to keep up.  Unfamiliar languages are common in almost every fellowship.  Even if English is a national language, fellows immerse themselves into cultures that use Swahili, Arabic, Samoan, or Cambodian.  There is bound to be frustration for everyone due to communication difficulties. 

            However, so far, I’ve found that learning a language has an incredible power to foster connections between people. Around the office, I greatly appreciate the patience and grace of Alidé’s staff when I do not completely understand something in French.  I’ve seen the hospitality of the Beninese people by their willingness to help me out.  Also, whenever I use a word or phrase in Fon, people instantly light up and become eager to teach me more.  They appreciate the attempt to understand their language and culture.  An instant friendship is born.  Using Fon is a great way to gain trust and to create a connection with Kiva borrowers. 

            The power of language is one simple way that Kiva’s mission to connect people is being implemented.  When you are forced to find ways to communicate, you gravitate towards shared beliefs and experiences.  I find that when communication is possible, the payoff is rewarding.  That reward is the knowledge that I have developed a relationship with someone who grew up in a different country and culture, and speaks a different language.  Fostering connections is part of the Kiva experience that fellows, lenders, and supporters all share to some degree.  Kiva allows us to understand the importance of engaging the global community.  I am fortunate to be a part of such an organization.  

Andrew Whiteman is  Kiva Fellow (KF8) working in Cotonou, Benin.

Africa. Bénin.

It shattered my worldview, changed my perspective on life. It nearly undid me. I was at times stupefied by heat and pollution, tongue-tied by the language barrier, unable to process basic thoughts, uncomfortable from stomach ailments, so overwhelmed by poverty that I could not imagine how to improve the quality of life. But I was also fascinated by the many cultures, bonding with friends of every nationality, living each day full of adventure as it were my last, traveling, collapsing into bed bone-tired and loving it. Rediscovering my sense of wonder.

My experience defies any easy summary, an attempt to put it in a box and file it away. It is living, breathing, still breaking out on my skin Africa. Here are just a few memories to share with you to show what an incredible country Benin is, and to feature a special team of poverty-fighting Béninois called ALIDé.

Top 10 Bénin

1. Angels are real. I never believed in them before, but in the beginning I came to ALIDé a little lost, and they protected me and taught me how to live in the country. My friend Caroline especially showed me the true meaning of caring for others through her intense devotion to her work and to patiently helping me to interpret French, ALIDé office politics, and the culture of Bénin.

ALIDé Angels (from left: Caroline, me, Landry, Roselyne)

2. Voodoo is real. I know because I took a picture of a voodoo ceremony, and my camera stopped soon afterward. The country is permeated with voodoo – ceremonies of dozens of sects, Béninois staying in at night to escape curses, animal parts saved to give to fetishes after meals.

3. Bénin is a real melting pot. Béninois speaking Fon, Bariba, Mina, Gon, Adja, and many other languages, mix in the capital with the ex-patriot communities of Chinese, Lebanese, German, and French. I could have counted the Americans on my hand. This racial diversity also paralleled the rich religious syncretism of Catholics, Evangelicals, Celestial Christians, Moslems, and Voodooists.

4. Doucement = careful! Yovo = foreigner. Béninois seemed to have an obsession with calling out <<Doucement>> whenever I tripped, almost dropped something, or even when someone ran into me, which seemed unfair. By the end I got used to saying it as well. It annoyed me when people yelled Yovo at me after a long, sweaty day in the field. I got used to children chanting their Yovo song in the street, but it was the adults addressing me as Yovo that irked me more.

5. Igname Pilé, the unofficial national dish. A root that looks like an enormous potato – cooked, pounded, and shaped into a circular white mass, dipped into orange peanut sauce, and eaten with the right hand. Tastes even better when eaten with your four closest Beninois friends, after you helped them pound it.

6. Safety. Anxiety about safety was never far from me in West Africa. As a young, foreign woman who came to Africa alone, I made sure to stay alert and tried not to be neurotic. I walked with friends whenever possible after dark. A Peace Corps volunteer was killed two days after I left- why? No one knows.

7. The beach. Hours spent drinking a Castel beer, watching fishermen pull in huge nets in the mornings and fighting the dangerous tides to wonder- has there ever been a more perfect paradise?

8. Pagnes = West African cloth in loud, colorful patterns. Usually more Béninois wear pagne than suits to work. My friends and I became connoisseurs of pagne bargaining at Dantokpa Market, taking our designs to the tailor to get dresses made for 2 or 3 dollars.

9. Sleeping outside on a mat in the small village of Tayacou, in northern Bénin. It could not have been more different than the pollution of Cotonou. The stars were clear, and I slept in my Peace Corps friends’ compound with other village families on the cool ground.

10. Microfinance. It works. Most of the women I interviewed were illiterate, or had a primary school education, but their children were in school. The women overwhelmingly said that the loans helped them, they wanted higher loans faster, and they had plans to continue or build their businesses in the future. Goals were modest and loan terms long, but the progress was sustainable. And that is the reason I was there.

A Kiva Client preparing igname frites

Bénin, I will miss you. . .

Sarah Lawson is a KF6 Fellow recently returned from working at ALIDé in Cotonou, Bénin.

Moise explained to the leader of the group that only some of the women were to be interviewed. This caused some panic amongst the clients ; they assumed that the rest would not receive loans. Even though Moise assured them that they would all be receiving loans, some milled around, still upset.
The first woman interviewed appeared a little suspicious of me during the interview, but after her photo, Mouhïnatou Kadiri was ecstatic.

Mouhinatou Kadiri

She left to go sell her articles, trumpeting to the market that now she was sure to receive a loan because of the interview.  Beninese ladies generally do not smile when photos were taken, but when I asked Chantal Akoutey if we could take a picture together, she got a kick out of it.

Chantal Akoutey

As I relaxed during the interviews, I found the women more open with me. One of the other women sold soy cheese. I explained my family at one point had grown soybeans. We finished up the market interviews and went to make house calls for the women who sold out of their houses or stores. Moise and I paid for cooked soy cheese from Madeleine Agbedevi; it was delicious, and very Californian.

Madeleine Agbedevi

By the time we concluded our last interview, late evening was falling in Aglas, and Maurice and I sipped our bissap, hibiscus flavored tea which tastes like cranberry juice, out of icy cold bottles and jumped on his Chinese motorcycle to head back to town.

Alide and Kiva clients and me

Voodoo
At the Alide head office the electricity was cut again, and I asked Landry to explain the key concepts of Voodoo to me. I was having trouble making sense of what I had seen at the biggest Voodoo festival in Benin on January 10. Why did the dancing practitioners cut themselves with long knives?

Landry explained that the Voodoo priests, or féticheurs, chose January 10 as a day of prayer, communion with Gods, jubilation, and initiation. Like Catholics, Protestants, and evangelists, Voodooists have different groups such as the Sakpata, Dan, Lissa, Hebiosso, Djaguidi, Zangbeto, Oro, and Egoun.  The Zangbeto police catch bad members of the community; The Djaguidi are those that communicate with their god through or cutting themselves. The Oro do not allow women to witness their ceremonies, and the Egoun represent the African dead, brought back to life. According to Landry, originally Voodooists used fetishes to protect themselves against evil. Certain groups also injure their fetishes to cause pain to others. Many Beninese practice voodoo, but it is hard to pin down exact definitions of the religion.

Voodoo Dancers putting on palm paint

When a group of ex-pats and I headed to the city of Ouidah, the old capital of the Beninois slave trade on the Atlantic Ocean, for the January 10 Voodoo Festival, we were certainly not initiated into the practices of voodoo. We had no idea what to expect. What we saw seemed chaotic and difficult to understand. The dancers were half-naked men and women wearing straw skirts and coated in palm oil and sand, which looked like wet yellow paint. They carried long knives, with which they cut themselves repeatedly, mainly on the legs and arms. Although many of the dancers were young, they had deep scars on their bodies. Blood ran freely as they danced, and sometimes Beninese who were not dancers would become possessed by the spirit and throw themselves into the group of dancers, who would encourage the possessed as they hurled themselves into the sand. As the dancers cut so swiftly their knives became blurs, I grabbed my friend’s wrist, unable to watch, but willing myself to remember that this was a sacred ceremony. Because there was no discernible boundaries, the watchers, a mixture of Beninese and a smattering of tourists, stood around the dancers, but had to run quite frequently as the dancers changed direction and ran towards us. Periodically men who were not clearly affiliated with the dancers would demand money from people taking photos. The dancers never used knives against each other or against the watchers, but as they were possessed it was best to give them some room.

Talk softly and carry a long knife

Caroline cut into Landry and my discussion. “The majority of Beninese are Catholic and don’t like voodoo,” she said, “Voodoo has been commoditized to sell Beninese culture to tourists.”

Landry protested that it was still an important part of the culture. There were some tourists at the event, but the vast majority of the people at the ceremony were Beninese.

“Do you want to be initiated into Voodoo?” Landry asked me a little jokingly, who was not initiated. “Voodoo will bring you peace.”

“Don’t listen to him!” called Rosalyne the secretary firmly from the other office.

As my group departed the ceremony, deciding not to stick around to wait for other groups, the Voodoo cortege arrived, men and women dressed in white, the religious leaders of Voodoo in the country.

the VIPs

Another Festival
Next Friday night was Alidé’s annual party. All of Alidé staff was invited. Our emcee joked that he would auction off tickets to Barack Obama’s Inauguration. For the loan officers, head office, and I, it was a night of bonding. Potato salad, spicy fish, fruit salad, and Castel beer mixed with pineapple juice competed for our attention until midnight. Afterwards, there was West African tunes, salsa, and zouk, combined with a few Beatles songs. Alidé staff hardly ever go out and work long hours, but on Friday we danced until six in the morning.

Clement, a loan officer at Alide- Santa Rita, and his date

Sarah Lawson is a KF6 Fellow working at ALIDé, a microfinance NGO in Cotonou, Benin.

Abozu with Abby and I of "Why I can't give Abozu my Camera" blog fame

I spent the weekend in Lomé, Togo with Abby Gray, another Kiva fellow at WAGES. Wages is basically like Alide in a few years: larger, and with a deeper relationship with Kiva. To get to Togo, I had to cross the border from Benin to Togo alone, which was just a little bit more harrowing and stressful than was necessary between two small, relatively stable countries. I decided to go to Togo on the spur of the moment. Spontaneity: definitely a new quality for me.  At 2 pm on Friday I left the office. I should have left at 12:30. In Africa, one should absolutely get to their destination before dark. It is not just convenience, but safety. Abby once crossed the border into Togo from Ghana at night. Chaos ensued at the border after a man was hit by a truck. They put him in the car to drive him to the hospital, then returned almost immediately as he was already dead. There are no traffic laws or lanes: huge trucks, smaller cars and taxis, motos, darting sellers plying their wares, and border crossers all vie for command of the center of the road.  The result is anarchical.

There were a few options for crossing the border from Benin to Togo: a bus, a bush taxi, or a private car. Ideally I would know someone with a private car going to Togo that weekend, but as I did not, this left the bus or bush taxi. A taxi seemed safer because there are less people, and buses are known for a high rate of theft.

I found the bush taxis waiting by the Jericho Post office. Right away they tried to charge me over twice the usual price, but I bargained it down. I sat in the car while the brother of the driver stuck his head through the permanently open window and harassed me.  None of the men, including the driver, paid any attention. He wouldn’t leave me alone, so I finally got out of the vehicle and contemplated going home completely. Not exactly an auspicious start, but I decided to stick it out. I was sitting in the front seat and the driver asked me if I wanted to “pris 2 places” or pay for two seats. I didn’t want to, until I found out that full capacity in a bush taxi is not 4 passengers, but 7 passengers: 5 in back and 2 in front. I paid for 2 seats (about $8).

There weren’t any other women, and I felt very nervous. The drive was slow and I could feel every bone in my body vibrating with apprehension and a little bit of fear. Was this smart? Getting into a car with five men alone? Near the edge of Cotonou, we picked up another passenger: a woman. I was relieved. There were now 5 in the back, and I could feel the guy behind me stick his elbow into the back of my seat to try to get some traction as we were thrown around on the potholed roads. The heat and dust were intense. I was soaked in sweat from the ride and my face was covered with a thin layer of red dust.

About two hours later we bumped into the actual border. Everyone else got out, and the driver kicked me out of the car because none of the other passengers were going on to Togo. He found me another taxi driver headed to Togo. I appeared to be the only passenger, but he didn’t want me to get out until we got up to the actual border. I suppose he thought I had no idea where I was going (which was true) and also didn’t want to lose a passenger. He kept asking me if I was married (I lied and said yes) and whether or not I would go out with him. Then, he tried to drive through the actual border when he should have let me walk and get passport checked. As soon as he drove through, the patrol became very angry and opened my car door and pulled me out of the car, not roughly, but just forcefully enough that my Beninois cell phone fell out of my hand and I lost it.

The driver accompanied me to passport control. I realized I didn’t know the exact address, just the neighborhood, of the place I was living at in Cotonou, or the area I was going to in Lome.  Addresses in Africa are much more fluid. Finally the driver supplied, “Grand Marche?” or big market, which is the main market of Lome. The customs officer wrote it down on the form.

The driver left and I went to see the visa officer. The visa officer did what almost every Beninois man, married or single, does to a foreign girl: relentlessly hits on them. As he asked me pertinent questions, he kept up a constant commentary of impertinent questions – “You don’t know where you’re staying? At my place?” and “I will marry you even if you have two sisters to take care of.” I couldn’t believe the border officer was hitting on me now, wasn’t he supposed to be a law officer? I was so tired and having trouble understanding him. I felt like crying, but realizing it wouldn’t help, I instead looked gamely at him and said, “I have two sisters, and they’re very expensive.”

I walked across the no man’s land, searching for the driver, but couldn’t find him for a good 10 minutes. When I finally found him, he led me to a dirt road behind a few houses.  Were we actually going to a car? I was starting to feel a little irrational. Several men followed us, all pointing at me and saying “yavo.” By this time I had just realized my phone was gone, but it was on the other side of the border. Everyone was staring at me. The “flee” instincts in my brain were already engaged, but where to? Not to the visa officer. I told the driver I would pay for two seats.

“But every place is already taken!” he announced, sounding scandalized.

Five men got in the back. The driver, myself, and a younger guy climbed into the front. The car was dead silent, and I could feel the tension radiating up my legs. The guy next to me and I were ignoring each other although we were ear to ear. As the driver downshifted into my left thigh, I wondered if the stupidest thing I had ever done, or the most interesting.

Then the driver put a tape in. The music played in tinny spurts. I could make out English, French, and what was probably Mina. Everyone began to sing along to the reggae tunes, some of it Nigerian English. The music segued into love songs. The men sang along softly in Mina, and a nice breeze came through the window as we sped through southeastern Togo. I began to notice the graceful coconut trees on either side of the road, the actual cleanliness of the environment, a pretty lake. It sort of looked like the Caribbean, and as everyone continued to sing, I began to relax, or as much as I could in my current cramped position. I smiled goofily to myself, laughing at my previous fears. Definitely the most interesting thing I have ever done.

The best moment during my weekend involved another round of music. Abby’s homestay brothers decided to teach Abby and I how to dance Togolese-style.  They took Abby’s computer outside. One of the young men began to swirl his arms and jump around like a duck. “The Chinese duck dance!” he trumpeted. They put on Togolese music: hip hop, tribal tunes, reggae. We tried to move like they did. I recognized a song from the taxi ride. We hopped around on one foot, and we taught them the slap-hands game and shadowboxed. We sweated a lot, and finally formed a four-person dance train and jumped up and down the hallway of the outdoor courtyard, singing and panting as we tried to keep up with the beat. The rest of the family stared at us from below as they washed the house and we danced up and down the stairs like a bunch of hooligans. There it was again: the power of music.

Sarah Lawson is a KF6 Kiva Fellow in Cotonou, Benin with the NGO Alide.

One of our dance teachers