Mar 13, 2008 GH Ghana

Sometimes the end is the best beginning. And, by the end of my first repayment day, a group of four women marched past me, through the hallway and onto the red dirt path outside the house where they had just completed their repayments. As they passed, some were shaking their heads, others were raising their voices in frustration, but they were all unified by their goal – to make a visit on a member of their group who was absent from the repayment meeting and failed to make another repayment again. The rest of the group covered her payment for her. Now it was time to...

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Mar 13, 2008 AZ Azerbaijan

Stepping out onto the streets of Azerbaijan’s capital city is a quick way to gain insight on the local economic situation. The streets of Baku, much like other large cities, are plagued with traffic and drivers who use their horns more than they obey any sort of traffic laws. The mixture of vehicles that fill the roads is telling of the wealth disparity. Public transport is accomplished by aging mini-buses called marshrutkas plying the streets in all directions. Larger city buses are mostly absent so these marshrutkas provide the most comprehensive city transport in Baku. Although bus...

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Mar 11, 2008 MZ Mozambique

 Or as locals would say hello in Ronga: Shawane!! For those of you that don’t know me, I’m Beatriz, originally from Brazil, and will proudly be a Kiva Fellow with Hluvuku-Adsema in Mozambique for the next 4 months.


I have arrived 2 days ago and so far so good! Hluvuku seems to be an outstanding organization. Fast growing since its establishment in 2004, today it has more than 2,000 clients and an outstanding loan portfolio of almost $1.0 million dollars. Hluvuku mission is to promote social and economic...

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Mar 11, 2008 GH Ghana

Along with its microfinance unit, CRAN also sponsors social development projects.  CRAN has built 5 schools in Ghana and has provided a community with clean running water.  I recently got an opportunity to visit a CRAN sponsored school in the Abaenu community. To get to the village a 4×4 vehicle is a must. Once you turn off the nicely paved road headed to Accra, you embark on what is only comparable to a roller-coaster ride.  For about 3 miles the truck bounced up-and-down, sided-to-side and every other way imaginable.  After we arrived at the existing school it was apparent...

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Mar 5, 2008 TZ Tanzania

TANZANIA. Last week, I was given the opportunity to train BRAC Tanzania staff on Kiva in Kibiti, which is located about 150 km outside of Dar es Salaam. Riding from the noisy, congested (yet still completely lovable) city to the luscious green countryside brought refreshment to my senses.







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Mar 3, 2008 KH Cambodia

I had no idea what I was getting myself into when I told Mr. Sokmetrey I played soccer. Sokmetrey is the Marketing Director for Hattha Kaksekar Ltd. (HKL), one of Kiva’s newest microfinance partners in Cambodia, and my main contact in the organization. After picking me up at Phnom Penh International Airport on Thursday after twenty hours of travel, Sokmetrey treated me to lunch at a noodle house. Over steaming bowls of Khmer curry we fell into a discussion about Cambodian sports. I mentioned I enjoyed playing soccer, and he immediately invited me to play with his team on Saturday...
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Mar 3, 2008 GH Ghana

Struggles. That’s what came to mind during my first days in Ghana. The struggle to find my way around to light a candle when the electricity had failed again. The struggle to keep my body hydrated in the heat and humidity. But, much more, it was the heart wrenching struggles of those around me. The crippled man trying to navigate the cratered streets and bloodthirsty taxidrivers. The mother balancing what amounts to a small woodshed of goods on her head while carrying a baby on her back and trying to contain a curious, energetic boy. Around us all, the sun was struggling...

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Feb 27, 2008 GH Ghana

I’ve been in Ghana now for one month and I realized I’ve been slacking in keeping up my journal, so I’m posting several random experiences I’ve had so far.

On most days I go out with a loan officer to take pictures of clients who are requesting loans for their businesses or have already taken a loan and we go to follow-up on their progress.  The first problem you encounter when trying to find someone is there are no street names or addresses whatsoever.  We had to find 11 borrowers who were all located within one small segment of Cape Coast, but...

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Feb 26, 2008 UG Uganda

I am writing from Buffalo NY upon the completion of my three month commitment as a Kiva Fellow in Uganda.  I want to use my final post on the Kiva Fellows Blog to thank the people who made this one of the most significant and rewarding experiences of my life.

KIVA.ORG:  First, thank you Matt and Jessica Flannery for inventing Kiva.  I have great admiration for what you started, especially since you invented an entirely new model of microfinance funding.  Without your effort and...

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Feb 22, 2008 GH Ghana

Things at CRAN have been pretty hectic the past couple weeks.  At the end of February, CRAN is having an international rating done.  This basically announces to the entire microfinance world how well CRAN is run as a MFI.  A good rating could mean new sources of capital as well as world-wide acknowledgement of CRAN as well as one of the top MFIs in Ghana.  However, a bad rating would be a set back for the organization and would dampen spirits within the organization.  All CRAN employees have been working extra hard the past several weeks to ensure they...

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