Posts filed under 'Rwanda'

My Rwandan Children…

By Gavin Sword KF9 Rwanda

I know this is not the first time that I’ve mentioned that my children are Rwandan.  We adopted Savilla and Christian in 2006 when they were both babies. Our girl turns 4 this month while our boy is a few months past 4.  They are the cutest, most adorable little people one could ever hope to know.  They are loving and friendly, kind to each other and to the people they meet.  Part of the reason I wanted to come to Rwanda as a Kiva Fellow was so that they could have the opportunity to spend time in the country of their birth.  To give them a chance to learn the language, make Rwandan friends and live in a land of people who look just like them (not the case in our current home, Vancouver, Canada). Our thinking was not that they would necessarily fully remember the experience, but that it could inform their identity and give them a sense of belonging.  Well, this was the idea anyway. (more…)

32 comments 2 November 2009

No More Genocide

By Gavin Sword, KF9 Rwanda

It is true that internationally, Rwanda is most known for the horrific events of 1994; a genocide that claimed the lives of more than 800,000 of its people.   There is no satisfactory way to comprehend what happened here.  Yet as a testament to the human spirit – life in Rwanda carries on.  (more…)

16 comments 28 October 2009

Stop Thief! (…too late)

Two very happy Rwandan Children

There’s nothing like having your laptop, computer bag, digital camera ,that little flip video thing that Kiva provides, as well as my zip drive and wireless modem from Rwandatel (that took a good ½ day to get configured at no small cost I might add) and even a brand new electric water heater for desperately needed morning coffees to put a bump in one’s day.  I have traveled for many years and I took all the normal precautions, which made this experience all the more frustrating.  Details aside, I’m pleased to say that I didn’t curse, cry or condemn.  Here’s how I (came to) see it… (more…)

18 comments 20 October 2009

Rainbow Over Kigali

Rainbow Over Kigali

Rainbow Over Kigali

By Gavin Sword, KF9 Rwanda

It is no secret that the rainbow is a harbinger of good things ahead.  This photo is a view of Rwanda’ capital city, Kigali after a brief rain spell.  On my very first day here, a rainbow was a happy sight indeed.. (more…)

16 comments 6 October 2009

Kiva Fellows in DeNile

By Jaclyn Berfond, Laura Buhler, Alison Carlman, Joel Carlman and Cameron Morris

Last weekend the East African Kiva Fellows delegation descended upon the bustling streets of Kampala, Uganda and the banks of the Nile River for two days of intense knowledge transfer and mild revelry. We spent hours discussing the importance of data validity in performing operational cost analyses and tried to debunk the myth that OpenOffice does not properly save .csv files for uploading repayment information to PA2. We also had a little fun. We left Kampala feeling refreshed and full of ideas to take back to our MFIs.

Now it’s your turn. We are officially issuing a challenge to the other regions (LAC, Asia, Western Africa and Eastern Europe) to prove that you are as united and have as much regional spirit as the East Africans. Excuses will not be tolerated. As Kiva Fellows this is a challenge you should be ready to take on. We did it, so can you. We also made an amazing video documenting our adventure. Check it out!

Jaclyn, Laura, Alison, Joel and Cameron are Kiva Fellows spread out over the East African Region. To read more about their experiences and their MFIs click on their names above.

12 comments 3 August 2009

PAX RWANDA

I am sure that many of you have read of the horrors that occurred here in Rwanda almost exactly 15 years ago, but few of us can actually envision the magnitude of such tragedy and its consequences on a society.

Upon arrival in Rwanda I have noticed many hindrances to development and I have generated a lot of criticism for the country’s economic goals etc. But my first visit to a genocide memorial changed my perspective on the place. Rather, it reminded me of the individuals that make up Rwandan society, and how truly extraordinary it is that they have managed to create a peaceful and functioning Rwanda after their experiences 15 years ago.

At Nyamata, a town about an hour south of Kigali, the capital, I was taken through a Roman Catholic church where 10,000 people were slaughtered and dismembered in the most unthinkable ways. These crimes were personal… each person was slain with deliberation and intent. Many were spectacles, butchered in front of their families and peers, killed on the church alter as the entire crowd was forced to watch. My guide, 23 year old Benoit, was there to see it all. (more…)

8 comments 24 June 2009

The need for entrepreneurship

“Allow me to introduce myself”, I’m Laura Buhler, a member of the KF8 class.

I am from Calgary, Canada and have found the transition to life in Rwanda to be very smooth, given just a couple of bumps in the road.

Exactly two weeks in to my Fellowship at Vision Finance Company (VFC) in Kigali, Rwanda, one baggage loss and one hospital visit later, I have settled in to life here in Rwanda. Since arriving, my mind has been flooded with questions and realizations about this new culture. In fact, I am sure that this constant thinking has been the factor that led to my lack of sleep at night, and my resulting illness! But it’s true… my mind is going a mile-a-minute just fascinated with this place and its infinite complexities— political, cultural, social… and commercial.

The commercial sector is very different here. Entrepreneurship seems to be taking off, but in some ways it still appears to be a new concept. Allow me to illustrate…

Lunch-time. It’s the only time of day when I’m really ready to spend the cash that I have. I am hungry! So I step outside, in very much an up-and-coming business district (Muhima), and walk for 40 minutes in either direction… no café, no brochette stand (basically kabob), and no restaurant to be found. That day, my money got me nowhere.

(more…)

5 comments 12 June 2009

Contradictions, Complications, Juxtapositions, and Genocide

It’s easier to make sense of Rwanda if you erase the human element of the Genocide that happened here fifteen years ago. If we could just pretend it wasn’t actual people who perpetrated the one million unthinkable acts, it would simplify the dynamics of the country. Afterall, if we acknowledge that it was not only people but fellow Rwandese who held the machetes, we need to also see that they still exist—and not in an abstract way but in a day-to-day, walking down the street, drinking milk for breakfast, and sending children to school kind of way.

Many perpetrators of the 1994 Genocide, or genocidaires, are in prisons throughout the country. It is likely that many others are not. Either way, those who committed the Genocide still live amongst those who survived. Prisoners do manual labor all over the country, working on plots of land, building brick walls along roads, and doing various other public works projects in plain sight. Their blue, orange, and pink uniforms (each prisoner is in one color which signifies the gravity of their crimes or status in prison) dot roads and farms throughout the country as they serve their time while the rest of the country looks on. They pass through lives as they stand packed in the backs of trucks and taken between their projects and their cells. It is a testament to the discipline and ingenuity of President Kagame that he has those who ripped the country apart now manually putting it back together. As he drives to develop his country, he is making use of those who, through violence, instilled the urgent need.

I have told some people back home about this, about the uniforms, about the prisoners, about their constant presence and my inability to grasp even a fraction of what it must be like to be a survivor and see them every day, because I’m here fifteen years later and as an outsider and even I shudder at the sight. Those back home are always shocked. “You mean you see them!” Well, yes. This is recent history—very much within the memories of those still living. One of the most complex issues this country faces is how to go on, develop, heal, when the painful past remains present. After a horrific divisiveness, how is everyone supposed to come together again?

I cannot begin to answer that question—far more gifted people than I are still grappling with it—but I would like to try to convey a sense of the impossible complexity of the issue. In January I went to visit a client in a rural part of Rwanda. We spoke to a woman who proudly showed the many ways in which she has expanded her business since receiving the Kiva loan. Afterwards, I went to the Kiva website to post a journal update on this woman but couldn’t find her on the site. A few weeks later I went back to the branch and told them she must not be a Kiva client. “Oh,” they responded, “the loan is in her husband’s name, not hers. He was just away that day.”

A month after that I discovered that “away that day” was a euphemism for “serving time in prison for perpetrating the 1994 Tutsi Genocide.” This time, the husband who had been away was now back so we were going to go see him for a Journal update interview.

I generally don’t get anxiety before meeting with microfinance clients. In my experience, there is little to be anxious about, minus some possible awkward moments or silent staring at one another if the translator leaves the room. This time, I began to panic. I knew that if I saw him as a microfinance client, he would have to be human. Previously, I saw genocidaires at enough of a distance that I wasn’t forced to remember their humanity or look them in the eye. I’m not proud to admit: I preferred it that way. This would complicate what I had been trying to simplify. A question that comes up repeatedly here is how so many “normal” people, non-violent people, certainly not killers, could have been moved to pick up weapons and kill their neighbors. It makes no sense. I knew that meeting one of these complicated individuals whose motivation I would never understand would confuse the idea in my head even more.

I spent the car ride to his remote home trying to imagine what he would be like and bracing myself to be professional despite biases. My preparation was cut short as, along a dirt road, the staff told the driver to stop the car and exclaimed, “This is our client!” He was pushing a bike with a load attached to the back, headed towards town. It had just begun to rain so we ushered him into the car, squeezing four across in the back seat of our pick-up truck.

My immediate reaction was that he had such a kind face. I noticed his warm smile and friendly greetings to the staff. Then he shook my hand and it was just like so many greetings I’ve exchanged here before. I tried to eliminate (or at least delay) my judgment so that I could focus on the Journal interview. It was brief since I had previously met with his wife and learned about his enterprises. After a few laughs and a few more questions, we were shaking hands again and he was back in the rain, pushing his bike.

It was a jarring interview for how totally routine it was. It forced me to wonder how many other genocidaires I’d spoken to, worked with, passed on the street without even realizing it. He was not a man you would pin as a killer. He was free because he had confessed his crimes, his confession was accepted as true by the gacaca court (a court system that has been established to process trials for accused genocidaires on a local level), and he had completed the assigned community service. Now he was back at home with his family, dressed in civilian clothing, and working in his businesses.

This client was the closest I’ve come to the reality that ultimately all genocidaires will be free. He put a face to the abstract impossibility that this country is facing as it frees prisoners from overcrowded prisons and reintroduces them to society. Just down the road from his house is a church in which thousands took refuge as the Genocide began. More than 10,000 people were killed in and around the church between April 10th and April 16th 1994. It’s an eerie juxtaposition.

I have no neat conclusion for this blog entry. I’ve been trying to come up with one for 3 weeks. Instead, I keep adding paragraphs that turn into ramblings but in no way neatly tie up my thoughts. Now, during a week commemorating the fifteenth anniversary of the 1994 Tutsi Genocide I’ve decided that if I wait for a proper conclusion, it will be many many years before I post this. So I’ll end it here, no conclusion, no answers, no neat sum-up and no lesson learned. I end it with more questions than I started with.

Julie Ross is currently a Kiva Fellow at Vision Finance Company in Rwanda. In December she finished her first placement at BRAC Tanzania.

If you’d like to support Rwandese entrepreneurs and help the country on their push towards development, please see their currently fundraising loans or join the lending team.

24 comments 7 April 2009

How Do You Run a Shop in a Neighborhood with No Cash?

I’ve always been curious about what happens when microfinance clients open businesses in places where there is very little capital. Many operate small shops of household necessities but the placement of such stores is generally based more on proximity to home than a strategic evaluation of which part of town is most profitable. So how do they cope if their customers can’t afford to buy anything? Last week, I got my answer: credit.

Pen and Paper: How to issue credit, the old fashioned way

Pen and Paper: How to issue credit, the old fashioned way

I was in the field with the Kiva Coordinator, John, collecting journals. We were meeting with a client who sells vegetables in a small neighborhood in Kigali, Rwanda. After a series of preliminary questions, I asked the client if he was having any difficulties with his business.

“Creditors,” was the translation I received for his answer.

I paused, trying to re-translate it into something that would make sense. I couldn’t quite guess what he meant, so I just asked. Without going back to the client for more of an explanation, John expanded upon the client’s assertion,

“His customers owe him money but they’re not paying.”

Ahh so he may mean “debtors,” in which case this microfinance client is both a credit-receiver and a credit-giver. Could it be? People always speak about Africa’s cash only economy and I have yet to meet a Rwandese with a credit card so it hadn’t occurred to me that there was a widespread grassroots credit system sans plastic. I shared my surprise with the Kiva Coordinator who gave me the dreaded answer:
“You didn’t know that! Everyone knows that!”
“No one ever told me!” I exclaimed in my defense.
“That’s because it’s so obvious!” John countered. Touché.

Apparently, small shopkeepers all over Rwanda accept credit in the form of an IOU from their customers. If I was going to be the last to know (did all of you already know this?) I wanted to at least fully understand it, so I dove in. What John and the client explained is that most of his customers are regulars. They live nearby and he knows them well. A lot of them don’t have cash in the middle of the month but they still need vegetables so he keeps a record of what they have purchased and at the end of the month he presents them with their tab. He keeps careful records to know exactly how much each customer owes him. When I asked to see the records, he produced three notebooks with pages and pages filled with customers’ bills.

Here, one page of his careful notes of what his customers owe

Here, one page of his careful notes of what his customers owe

Lately, he says people aren’t paying. Unfortunately, he doesn’t feel that he can stop accepting credit. If he did, “he wouldn’t sell anything,” John explained. But how does he ensure repayment? How can he get the money if his neighbors insist there is none? He didn’t seem to have an answer. The difficulty with grassroots credit, I suppose, is that there are not systems to ensure that the creditor is ever paid. He could refuse to sell to his customers until they pay, but then they could go to another vendor. He could employ some sort of social pressure since he is based in a small community and try to make it a social taboo not to pay, but if many people in the community are in the same position, that won’t necessarily work.

I don’t have a good solution as to how to get the client his money. We all talk a fair amount about the principle of credit and debt. We debate whether it is wise to purchase things if you don’t have the money to do so. As a shopper myself, I have attempted not to purchase goods on credit unless I knew I would have the money to pay for them at the end of the month. So are this client’s customers wrong to buy vegetables when they’re not sure if they can afford it? If he stopped accepting credit, sales would decrease because clients couldn’t afford the goods or because there would only be a few days each month that they could. The credit keeps his sales more constant which from a stocking perspective is wise in a perishable goods market. But if his customers are buying without knowing if or when they can pay, then credit isn’t being used properly. For me, a large credit card company would be the victim and they would ultimately sock it to me through large fees. Unfortunately, this client doesn’t have that kind of leverage. So what’s the solution? Is there a scenario in which he can keep his business profitable in a neighborhood where customers can’t pay?

If you’d like to see all of Vision Finance Company’s currently fundraising loans, click here. To join Kiva’s Vision Finance Company lending team and to support Kiva’s Rwandese entrepreneurs, click here.

Julie Ross is currently serving as a Kiva Fellow at Vision Finance Company in Rwanda. In December she completed her first placement with BRAC Tanzania.

5 comments 19 March 2009

Kiva Fellows: My Virtual Family

Not every day as a Kiva Fellow is a good one. There are days when I wait for seven hours for a credit officer to be available to take me to the field to collect journal updates for only two clients. There are hours of intermittent internet in which I am able to load less than one page. There are the clients I meet about whom I would be inspired except that after doing the math I’m not convinced they’ve found a way to run their businesses with a net profit. Luckily, after more than 7 months of victories and setbacks, I think I’m in the black.

Small moments compensate for unpleasant hours. A coworker’s delight at a weak attempt at their local language can be contagious. The look of recognition on the faces of loan officers to whom I just presented a new template keeps me going for days. And the shy request by a client to have a picture taken with me makes me feel that my presence is appreciated.

On top of the ups and downs of the day-to-day, though, there is another secret to my contentment: the Kiva Fellows. In ways both tiny and massive, unexpected and enormously appreciated, having a virtual community of fellows makes my life infinitely better. During training in June, I left four days at Kiva HQ disappointed that after meeting so many fascinating and fun people I would ultimately embark on this fellowship solo. I only wished we could all be placed at the same MFI. Kiva said no—that would sort of defeat the purpose. Time and again, however, I’ve been able to turn to them for all manner of support despite great distances between us.

Three Fellows (Zack, Nabomita, and me) in Mombasa, Kenya--brainstorming about Kiva and how to save the world

Three Fellows (Zack, Nabomita, and me) in Mombasa, Kenya--brainstorming about Kiva and how to save the world

Not sure how to shrink a photo? Wondering if anyone has an effective training Power Point presentation? Curious about coping mechanisms for language barriers? For all manner of information—from the recreational to the professional—fellows have proven to be an essential resource.

And as it turns out, Kiva has good judgment. As my Fellows class, KF5, has gradually finished up in the field, I despaired that I’d be left alone without my network of compatriots. I was entirely wrong. When I risked deportation from Tanzania, I was able to call on a KF6 and stay with her in Kenya for a week—all arranged having never met. From there I went on to intrude on another Kiva Fellow whose acquaintance I had never made but who quickly became an indispensable friend. The prospect of Christmas and New Years alone in Africa was depressing so three KF6ers and I ignored the fact that we did not know each other and made plans to travel Africa together to be in the company of people whom we knew would soon be friends.

On the job in Kisumu, Kenya--I met and stayed with Sarah

On the job in Kisumu, Kenya--I met and stayed with Sarah

New Year's in Kigali, Rwanda--in the good company of fellow Fellows Ankush and Sarah

New Year's in Kigali, Rwanda--in the good company of Fellows Ankush and Sarah

Whether it’s crossing African borders to see one another or participating in email chains that gain momentum and garner nearly 50 responses from fellows in the same boat, I couldn’t live without the other fellows. It’s possible that I’ll never actually be in the same room as some of the fellows with whom I’ve been in frequent correspondence. Others I’m quite sure will persuade me to cross one or more countries just to see them again. Whether in Cameroon or Cambodia, Bolivia or Tanzania the fellows play a significant role both in helping me to get through the day and in helping me to add the most possible value to Kiva and my microfinance institution placement. There’s nothing like a real, live human resource to advise, commiserate, support, and amuse. Thanks for keeping me sane, fellows!

Jara and I did a joint staff training when we were both placed in Tanzania

Jara and I did a joint staff training when we were both placed in Tanzania

Fellows recovering from a hard day's work in Dar es Salaam

Fellows recovering from a hard day's work in Dar es Salaam

To see all of Vision Finance Company’s currently fundraising loans, click here or join the Vision Finance Company lending team.

Julie Ross is currently serving as a Kiva Fellow at Vision Finance Company in Rwanda. In December she completed her first placement with BRAC Tanzania.

14 comments 5 March 2009

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