Posts filed under 'Tanzania'
The Local Local Lifestyle
Rebecca Corey, KF9 Tanzania
The first time I got shoved 
out of the way in a mad rush to the dala-dala bus, my friend Victor said to me, “This is the local local lifestyle, pole sana–I’m very sorry.” The next time he said it was when the electricity went out and I was reading in the living room. “This is the local local, pole dada–sorry sister.” Then again when I had Malaria: “The Tanzania local local, pole sana, pole sana.” In the streets, when Tanzanians are shouting to me, “Mchina, mchina!” Chinese person, chinese person! : “They are local local, they cannot tell you are Korean. Pole.” And every time, he smiles his big smile, apologetic, almost wistful, partly amused, always sincere.
I have also started to think to myself, “local local,” several times each day. We haven’t had water for the past eight days because of a broken water pump, so we fetch bucketfuls from next door. Tanzania is suffering from a major power crisis, so electricity is rationed. Ours goes out for a full day once every three days. I get up at five every morning to catch the dala-dala before the major traffic jams so I can get to work by eight. I see one bus that says on the back, “Don’t Hide, Just Pay,” another claims “Jesus is Power,” and a third “Blootooth On.” “Local local,” I think. (more…)
10 comments 14 November 2009
YOSEFO Day 2009
By Jennifer Gong, KF9 Tanzania
YOSEFO has come a long way. In 1997, it humbly opened its doors to 50 clients, for a total loan portfolio size of $5000. However, with unwavering determination, it has succesfully expanded into 14 different communities around Dar es Salaam and has opened offices in Ifakara, Zanzibar, Kilwa and Tanga. Today, YOSEFO can proudly claim to serve over 11,000 active clients and has seen its loan portfolio increase to $1.5m. This is definitely something to celebrate about, and celebrate we did! To mark 12 successful years of serving Tanzania, my MFI decided to organize YOSEFO Day 2009.
The purpose of the celebration was not only about rejoicing, it was also about recognition. It was about acknowledging the outstanding clients and staff members that have played a significant role in making the past dozen years successful. Recognition is important because the sweat and tears of both clients and staff often go unnoticed. Furthermore, the showcasing of successful stories will hopefully create a competitive spirit that will drive everyone to strive for more.
Here are some highlights of YOSEFO Day 2009… (more…)
3 comments 13 November 2009
Dreaming of Dar
By Jennifer Gong, KF9 Tanzania
My name is Jen Gong and I will be spending a few months at YOSEFO, a Kiva field partner in Tanzania. I arrived in Dar Es Salaam about 2 weeks ago and here is my first entry…
the YOSEFO CREW!
There is something enchanting about Tanzania. Most travelers would say the charm is in landscape. And without a doubt there is much to behold here. I have not yet wadded in the turquoise waters of Zanzibar, climbed to the top of Kilimanjaro or spotted the exotic creatures of the Serengeti, but flying into Dar Es Salaam itself was a treat. I wish I took a photo of how the tin roofs sparkled like stars against the blue Indian Ocean.
But for those who have spent a little more time here and immersed themselves in the local culture, they will claim the charm is in the people. Tanzanians are colorful, diverse and warm. When my coworkers held a meeting to discuss about the upcoming marriage celebration of one of the credit officers, I was asked to be involved because they said “<I am> now a part of the YOSEFO family”. My host family of three sisters, treat me like their own dada (sister in Swahili), and have been generously teaching me Swahili and Tanzanian cooking.
9 comments 21 October 2009
A Rough Start
By Rebecca Corey, KF9 Tanzania
After my first day interacting with Kiva borrowers I was exhausted but exhilarated. It was slow work, waiting while the money for the loans was counted out and matched with each client’s loan record booklet, paperwork was filled out, treasurer and secretary books were gathered. Outside the Tujijenge branch office in the heart of Dar es Salaam, Tanzania, members of loan groups languished in the sun, clothes bright against the dusty ground. I glanced out of the window from time to time to watch them and try to guess what each group had named itself.
At Tujijenge Tanzania, most of the loans are given to groups. Each group consists of 15-40 members, who are split into sub-groups of 5-7, whose members act as guarantors of each others loans. For many poor borrowers, the group’s guarantee is the only collateral they can offer. The social pressure from the group is a major deterrent to delinquency and default, along with the hope for future loans. After a group is approved by Tujijenge, they have one month of business and microfinance training by loan officers. At this time, their information and photos are collected, they elect group leaders, a secretary, and treasurer, and they get to choose a name. Many of them convey a sense of national pride (like “Kilimanjaro” or “Mungu Ibariki Tanzania”–God bless Tanzania), but as you can imagine, these names go fast. So there are also groups like “red rose,” “lion,” and “peace.” Soon, even names like these are gone. So groups pop up named “flag” or “Bob Marley” or “Ferarri”. One of my favorite groups was called “Parachichi,” which means “avocado” in Kiswahili. I loved this little bit of trivia so much that I included it in the business profile for the group on Kiva.org. The other group we worked with that day called itself “Sigara.” I didn’t have time to ask what this meant, but leaving work that day I asked a friend. “Ah, yes, sigara! It means ‘cigarette.’” I recalled my interview with the elected leader of Sigara group, a tall and slender woman with large eyes who held her child in the lap of her green dress as she told me about her shop, her monthly profits, her hours, and saving for her children’s education. I wondered if it was her idea to name the group ‘Cigarette.’
8 comments 20 October 2009
Tanzania bound
By Rebecca Corey, KF9 Tanzania
I’m sitting in terminal three at 
Dubai’s International Airport. The moving sidewalk beside me sounds like horses trotting on a packed dirt road. Since my 14-hour layover began a several hours ago, I’ve heard the Islamic call-to-prayer twice over the airport intercom system, followed soon after with enticing invitations to browse the duty-free shops that run down the center of the terminal. I should be sleeping, re-setting my internal clock, but the fluorescent lights and ribbons of Arabic that stream from the ceiling won’t let me rest.
Hi, my name is Rebecca Elizabeth Yeong Ae Corey, and I am a member of the Kiva Fellows Program’s 9th class. I trained for a week in San Francisco, had two days to pack up my bags and say my goodbyes in my hometown of Athens, Georgia, and now I am headed for Tanzania. Once I get to Dar es Salaam, I will settle into a homestay and begin work at Tujijenge Tanzania, Ltd., one of Kiva’s field partner MFI’s. I’m en route. I am Tanzania bound. (more…)
7 comments 1 October 2009
BRAC Tanzania Lending Team!
After reading my post about BRAC Tanzania a few days ago, I imagine that many of you are just chomping at the bit to get more involved with the organization.
Oh you absolutely are, you say?
Well, you’re in luck. There is a BRAC Tanzania Lending Team on Kiva.org that you can join and be surrounded by fellow BRAC Tanzania enthusiasts! We only have 8 members right now, so you should really go to the site, join the lending team and help our BRAC Tanzania Lending Team grow to be as massive as BRAC itself!
Thanks to those 8 people who have joined and together already made 6 loans toTanzanian women!
A BRAC Tanzania borrower makes a loan repayment in Zanzibar
Sarah Forbes was a KF6 in Kenya with K-MET and is now serving her KF7/8 placements with BRAC Tanzania. She is clearly very excited about the new BRAC Tanzania Lending Team. You should join, so she’ll stop harassing you about it.
1 comment 5 June 2009
BRAC – like Risk, but without the risk
The concept of risk has been discussed by many, and often, over the past year, as citizens around the world voice their concerns about the global recession. Mortgage risk, loan risk, credit risk, bailout risk, risk assessment, risk of spending too much, risk of spending too little, and on and on. A lot of risky business (and not the underwear dance kind) has been going on and we are paying for it now in all too literal a way.
There is another kind of risk though; one that I think some of you may be familiar with. That’s right, it’s Risk, as in epic board game, world domination style Risk.
I have been thinking about this particular kind of Risk lately due to the fact that while working with the Kiva field partner BRAC, I cannot escape how much the organization makes me think of the game, with its trademark little army men taking control of continents and sweeping across the globe in the attempt to gain complete domination of the two dimensional board game-world.
Only in BRAC’s case, the army is not little plastic figures, but a human, benevolent BRAC army of Bangladeshis, Afghanis, Sri Lankans, Pakistanis, Southern Sudanese, Ugandans, and Tanzanians. And this is just the beginning – the army is growing, sweeping the globe, out to conquer the poverty of the world, one country at a time.
The figures in green represent BRAC, those in red...poverty.
Okay, my analogy may be getting out of hand at this point. “Out to conquer the poverty of the world” is definitely too melodramatic, but the quantity and quality of BRAC’s global work to improve the lives of those living in poverty is undeniably striking.
Created in 1972 as a small-scale relief and rehabilitation project that was designed as a response to the consequences of the liberation war in Bangladesh, BRAC has since evolved into the largest southern NGO in the world.
With its programs in Asia and Africa, BRAC provides services to more than 110 million people. These services include: microfinance, health, water and sanitation, education, adolescent education and life skills, agriculture, livestock, and other social development programs.
Poverty is a simple word for a complex beast – BRAC works to improve the quality of people’s lives using a holistic approach, with strategically linked programs that address the causes of poverty from multiple angles. This might mean that within a microfinance group, there will be a health worker providing medical supplies for her group members or that down the street from a microfinance meeting a client’s daughter will be learning about gender issues at an adolescent club.
5 comments 2 June 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
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
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
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
Last Impressions
My life has turned into a bunch of “lasts.” My last time seeing friends I have made here, my last time gathering around the table with what has become my family, my last time going to my favorite market where they know me by name, my last time swimming in the warm and oh-so-blue Indian Ocean, my last time laughing with others about my attempt to speak and understand kiswahili, my last time holding on for dear life on a daladala (city bus), my last time climbing those 3 flights of stairs to the whitewashed office that is SELFINA (the partner Mico-Finance Institution I am assigned to), my last night sleeping under a mosquito net, my last Monday, my last Tuesday, my last Wednesday….the list goes on…
If I had to sum up what I have learned in this experience, it is to be patient and flexible (well, as much as my Type A personality will allow!). Working on an internet based system when internet is haphazard and sometimes non-existent for periods of up to 2 weeks, one has to be patient and flexible. Having malaria far from one’s home base and still having to achieve certain goals in a short period of time, one has to be patient and flexible. Driving for up to 2 hours, swerving through traffic on the main roads and then trying not to smash one’s head on the roof top on some of the bumpiest dirt roads I have ever seen only to arrive to a location to find the client you are looking for not there, one has to be patient and flexible. Trying to make sure when journaling that information does not get lost in translation (sometimes the client will talk very expressively for 10 minutes and the Kiva Coordinator will simply tell me the client is doing well), one has to be patient and flexible. Understanding SELFINA’s capabilities and the Kiva requirements and making that relationship sustainable, one has to be patient and flexible.
Without a doubt, this experience has been very unique and inspiring. Being invited to these women’s (SELFINA makes loans only to women in order to empower them in society) business and homes and learning about their struggles and their future dreams and plans has given me a peek at the strength and potential Tanzania possesses.
It has truly been an honor.
Add comment 10 January 2009
Anti-malaria pills + deet ≠ invincibility against malaria
I had been looking forward to going to the southern city of Mbeya even before I arrived in Tanzania. Mbeya is known for it’s cooler climate and lush vegetation. So when it turned out that SELFINA had branches in Mbeya and the surrounding areas and that journaling needed to implemented in those branches I enthusiastically bought my ticket for a 12 hour bus ride that would take me there.
The first few days were great! I was teaching them how to conduct, write and post journals and everything was rolling according to plan. Then, one morning I woke up with a mind splitting headache, severe eye pain, and flashes of fever and chills. I had no idea what was wrong with me. I honestly thought it was from being surrounded by electronic devices too much. I was thinking to myself, I should have listened to my mother and not have sat at so close to the tv screen all those year, should have taken more breaks to rest my eyes at work, etc. The pain was so severe that I broke down in tears just climbing the stairs to my room …
But as I had no idea what was wrong with me, I proceeded to go to work like it was any other day. I had mentioned to a couple of people at the office I had a huge headache but did not make a big deal about it. I proceeded with my day and taught one of the branch managers from a nearby region the process of conducting journal surveys. After completing the training I had to excuse myself, as the pain was too much bear. I had contacted some friends who advised me that it may be malaria, which I thought would be impossible for me to get as I was taking anti-malarial dugs and spraying myself with deet every day. I found myself walking to a nearby dispensary down the road from where I was staying to get tested for malaria, in my mind, to cross that off the list of things I did not have.
In the front was a pharmacy and they escorted me to a room in the back where there was a doctor sitting at a desk in a bare off-white room texting on his phone. I sat down next to him and told him my symptoms, he took my blood pressure, and he advised me it was probably malaria, however, they would need to test my blood to confirm. I thought that was a very good sign and a vote for confidence for this place. He then proceeded to inform me that the blood test would not be performed until later that evening or the next day as there was no electricity to run the test. Mbeya and the surrounding region was in its second week of no electricity due to a transformer room blowing up at the one and only electricity provider in the country (in the SELFINA Mbeya office, we were lucky to have a generator to use during the day).
As I have no medical background, I of course had my concerns. I probably asked this man 50 times in 50 different ways if my blood specimen would last that long without refrigeration. He reassured me several times that it would be okay and just as they were about to draw blood, the Mbeya SELFINA branch manager, Mr. Kibassa, a bear of a man, barges through the door and tells them to stop.
He apparently learned I went home after not feeling well and went to check up on me at the place I was staying where they informed I had come here to be tested. He basically whisked me away and we arrived at this other clinic, one that happens to have a SELFINA client running the pharmacy, but more importantly to me at the time, solar panels which enable them to run my test now. I go into the cluttered office of the doctor, describe my symptoms again, get my blood pressure taken again, and get sent to a lab of sorts where they try to distract me as they draw my blood (I get quite queasy with needles). 30 minutes later, malaria positive test results in one hand and malaria fighting medicine in the other hand, I leave the clinic happy to know my illness isn’t from an overdose of staring at screens all of my life but something supposedly curable in 3 days.
I wish I could tell you that it was a painless and speedy recovery in 3 days, but it hasn’t been. I still have pain in my head and eye a week later. But I’m trying to take it as easy as possible and think of the positive side of things such as now I can relate a bit more with people here, most of whom have had malaria at least once in their life.
Note: I later learned that the incubation period is about 14 days, so I must have been bitten when I was back in Dar es Salaam
2 comments 8 December 2008
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