Emmanuel M. von Arx | KF 16+17 | Mexico
Who would have thought that my second Kiva Fellowship would teach me just as much about microfinance as about the rearing of sheep? Seriously, ask me anything you want: How do you best hold a lamb? How do you wrestle with a grown-up mutton? How do you treat sheep for worms? Where and how often do you set them a vaccine? How do you determine a sheep’s age? Why does a sheep bite normally neither hurt nor bleed? For what reason does a sheep have four stomach compartments? And how do you compel a lamb’s reluctant mother to accept her kid after birth? I owe this knowledge to UNAM-educated veterinarian Linda Velázquez Rosas, who made a sheep-expert not just out of me, but also out of 200 amateur sheep-owners in and around the little town of San Felipe del Progreso, two hours west of Mexico City. This training was made possible by Vision Fund Mexico (also known as Fundación Realidad or FRAC), a Kiva field partner that excels both at financial and non-financial services (in a previous blog post I documented an artisan fair in Mexico City that was co-organized by FRAC).
Felipe Santiago Cruz, FRAC’s Adviser for Client Training and Empowerment, tells me how it all started: “A few months ago, I visited the branch of San Felipe del Progreso, where I talked to a group of clients. Suddenly, in the middle of our meeting, two men had to leave – as they told me, in order to look after their sheep. That’s when I got the idea of organizing a client training on the topic of sheep rearing. I immediately proposed my idea to the clients who were still with me. They reacted with great enthusiasm. One woman spoke up and said: “If you organize a training session for us, I will definitely be there. I had two sheep in my house and they suddenly died. I lost all the money that I invested.” Other women who were present told me the same. None of them had ever attended any such training.” Felipe continues: “I discovered that 30% of our clients in the San Felipe branch had originally received their loan to raise sheep. And they all really needed the training. I just had to convince my boss to let me work on the project, research and plan it, raise the money, and finally contract a qualified veterinarian.” It took Felipe about two months of work, from the moment of conceiving the idea to its ultimate realization.
As soon as I heard of Felipe’s project, I requested to spend some time in the field to observe Linda, the contracted veterinarian, in action. Finally, in mid May, the day had come: Linda had just finished an evaluation of the needs of sheep-owning FRAC clients and she was planning to give a presentation to a borrower-group of 15 women.
At 9AM on a chilly, beautiful Tuesday morning, Linda and I left together the local branch of Vision Fund Mexico in San Felipe to drive with a taxi to a rural suburb where we soon found the house of Maria – the group leader. In fewer than fifteen minutes Linda had set up the improvised playground: the covered outdoor space next to the front door served as our conference hall, a bed-sheet was turned into the screen, and a garden table was the pedestal for the projector.
While Linda set everything up, I had the chance to talk to a few members of the borrower group. Most of the women owned between three and eight sheep. I was particularly impressed by the story of Felicitas – a woman in her early sixties who currently has four sheep but used to own fifteen. She told me: “I have had sheep ever since I got married. My sheep were my insurance of independence – I knew that even if my husband were to leave me, I would be able to stay independent and with a regular income thanks to my sheep. Furthermore, my sheep brought my two children through school.” I asked Felicitas about the workings of the sheep business. She explained to me: “Usually, I buy little lambs and keep them in the small wooden stable behind my house. After 3 or 4 years – or whenever I need the money – I sell them to a barbaquero.” “A barbaquero?” “Yes, you know, the men who prepare barbacoa.”
As I found out later in the day, barbacoa is the signature dish of the area: sheep meat is sprinkled with a little salt, wrapped into agave leaves, buried into the ground, and cooked overnight under hot ashes or alternatively walled into a clay oven. I was impressed (and hungry) and wanted to ask more, but Linda was ready to begin her presentation.
At that point, her audience consisted of fourteen attentive borrowers. Additionally, our group had also been joined by two dogs, four kindergarten-aged kids, and several uninvited, but welcome guests – mostly village people who approached us with a shy curiosity and ended up staying for the entire presentation.
Linda’s presentation began innocently enough, with a little game during which she showed pictures of sheep and encouraged her audience to point out the mistake. For example, what’s wrong with the sheep on your left? Correct: sheep don’t have any upper front teeth, which is the reason their frontal bites are pretty harmless. The takeaway for Linda’s clients was: if you have a sheep with upper teeth, sell it to the barbaquero right away, unless you are keen to create a new generation of sheep that’s equally disfigured and snappy! In that vein, Linda continued to share useful, practical, and inexpensive easy-to-implement recommendation with her listeners – for two more hours!
Once Linda had ended her presentation and the loud applause had ebbed away, I talked to some group members to hear their opinion on what they had just heard. Felicitas clearly loved it: “Yes, it was a beautiful presentation, very interactive. My favorite part was when Linda explained to us how to stop or prevent our sheep having diarrhea.” Another group member, Maria, told me: “What I liked most, was when Linda told us how to determine the age of a sheep just by counting its teeth. In the past I occasionally bought old sheep, just because they were small and looked young. This will never happen again to me!” Another borrower, Nelly, loved Linda’s suggestion of turning an old car tire into a feeding dish. She told me: “I love that most of Linda’s suggestions are free to implement! They will make a difference in my life.”
But not enough with this, Linda ended her visit in this suburb of San Felipe by promising the women to return in a couple of weeks with her medication kit, vaccinating all the sheep that belong to clients of Vision Fund Mexico and treating them with deworming medication – a free service that FRAC provides to over 200 sheep-owners this year. Not even the most wonderful barbacoa in the world could have kept me from returning in mid June to San Felipe in order to observe that process. The following pictures speak for themselves:
It is worth mentioning that the medical treatment of the hundreds of sheep comes at no cost to the 200 clients, yet it does represent a large expense for Vision Fund Mexico. Where do the 80,000 Pesos (around $6,500 US-Dollars) for the project come from? As Felipe told me, 90% of the money is paid through a grant of the Mexican Economy Department. The remaining funds come out of FRAC’s own reserves, part of which comes from each and every Kiva lender who has ever made a loan to a client of Vision Fund Mexico. Why? Because your loan represents an income gain for Vision Fund Mexico: Kiva funds are interest-free for all Kiva partner organizations, but Vision Fund Mexico will ask its Kiva micro-entrepreneurs to pay the same interest rate as borrowers whose loans are not financed through Kiva. Or differently put: thanks to Kiva’s interest-free funds, Vision Fund Mexico can save money by not having to tap into other financial sources that would invariably come at a significantly higher interest rate. Vision Fund Mexico can use its positive interest spread (in the first case), respectively its savings (in the second case) to improve and enhance the services they provide to their clients. Each and every FRAC loan that has been funded through the generosity of Kiva lenders, makes it possible for Vision Fund Mexico to finance innovative non-financial services such as the sheep training and the co-organization of Mexico’s largest artisan fair which I described in this blog post. In other words: your Kiva loan makes an impact well beyond the life of the Kiva borrower who is the immediate recipient of your funds. Your one loan may well touch the lives of hundreds of borrowers – and thousands of sheep!
Lastly, I still owe you one answer: if a sheep mother rejects her kid after birth, simply sprinkle a little salt over the newborn lamb; the mother will lick it off and thus unwillingly gain the sense of duty to suckle her offspring. Rather than trying to find an opportunity to apply that crucial piece of knowledge in our daily lives, I propose we all make another loan on Kiva right now!
Emmanuel M. von Arx is a Kiva Fellow working with VisionFund Mexico (FRAC) in Mexico City. FRAC provides innovative financial and non-financial services to families and groups that do not have access to formal banking services in rural and semi-urban regions and communities in 12 Mexican States. To learn more, please visit FRAC’s partner page on Kiva or join the Friends of Fundacion Realidad.