Last month I had the chance to shadow a couple HKL credit officers at the Kampong Cham branch, an hour and a half northeast of Phnom Penh. Since my responsibilities here in Cambodia are mainly training and implementing the Kiva process rather than write journals, I was excited to get out and meet the people who make microfinance happen. I have nothing but the highest respect for Mr. Virak and Mr. Vo, who ride around the hot, dusty countryside four days a week helping prospective clients process loan applications. And they manage to look sharp while they’re at it, which is a challenge...Continue Reading >>
Last week I had a heated discussion with a minibus taxi conductor. The locals that witnessed this event rarely see anyone losing their temper, let alone raising their voice in public. Genevieve and I have been using the same bus route for a number of weeks now and, while at first we paid slightly more than the locals, it’s now obvious that we know the price and all the conductors charge us appropriately.
I was having a bad day, I shouldn’t have let myself get frustrated in this way, and I’ll try to make sure it doesn’t...Continue Reading >>
In the right place at the right time, I had the great fortune to meet the Deputy Prime Minister of Samoa as a representative for Kiva. An SPBD entrepreneur was selected through Kiva by Advanta, an American small business banking company, to travel to the United States and speak at a few engagements about her Elei printing business. A big deal here in Samoa evidenced by a send off from the DPM. It even made the national newspaper: http://www.samoaobserver.ws/local/LNPages/0408/1608ln007.htm
One would think the content of a conversation with the...Continue Reading >>
The biggest holiday in Azerbaijan is Novruz. This spring event has its roots as a pre-Islam New Year celebration. It officially begins on the spring equinox but the celebration ramps up much earlier with large street bonfires every Tuesday for the month preceding Novruz. Each week represents a different element: earth, water, air, and fire. Much of the community comes out for the bonfires to socialize and listen to music. Tradition calls for fearless youth to jump across the bonfire regardless or how large it is. On one occasion I witnessed a boy run through a fire along a burning pole...Continue Reading >>
Inspired by the TZ fellows, I’ve come up with a top 10 for a taste of Cambodia:
1) The first questions people ask you are not “where are you from” or “what do you do” but “how old are you” and “are you married.” 2) Your clients bring you pictures of their sons and try to arrange marriages during your meetings. 3) A “taxi” transports 50+ people… and you don’t get a discount for sitting on the roof. 4) The Lexus SUV on the street has one person inside and the motorcycle beside it is transporting a family of 7… plus some groceries. 5) Drivers make their own lanes, honking is polite,...Continue Reading >>
The past six months have been indescribable. I’ve attempted to wrap my thoughts around them and put them to words, but the result does not compare to the experience. I’m home now, trying to find a way to live here, in this world, with the same passion that comes so naturally when given the constant inspiration and education I received from Kiva’s entrepreneurs. Here are some thoughts I scrambled together on the plane ride home, reflecting on what there is left to do and how to possibly take on the challenge:
Poor little rich girl with the luxury of picking around the slightly...Continue Reading >>
Although we are not too active on the blog, there are a few of us Fellows here in west Africa, one of Kiva’s fastest growing partnership regions! I’m currently based in Senegal with CAURIE Microfinance.
For my first Kiva Fellows blog, I’d like to introduce you to a few of CAURIE’s clients: local entrepreneurs Awa Yombe Diagné and Mboudy Démé. I’ve had the pleasure of following their new loans on the Kiva site and meeting with them personally. While the economic and financial implications of microfinance and its impact on...Continue Reading >>
Many Westerners come to Samoa and quickly make one of two judgments: all Samoans are poor OR no Samoans are poor.
That dichotomy can be perplexing, so I decided to engage a Centre Manager (loan officer) in a conversation about it. One who stood firmly with the belief that all Samoans are poor. None of this should be treated as a final judgment. Far too early for that.
Everyone in Samoa is poor, he stated.
If I ask the people if they’re poor, what...Continue Reading >>
I’ve been back in Chicago for about 2 weeks now and have had time to sit and digest my Kiva Fellow experience. Going into this I tried to keep a completely unbiased and open-mind about microfinance. I’m a huge supporter of microfinance, but I have heard critics argue that it does little to actually lift people out of poverty. So I tried to take my opportunity to see first hand how it affects borrowers.
During my 2-month stay in Cape Coast, Ghana I had the privilege to meet over a hundred borrowers successfully running their own businesses. I heard stories of individuals...Continue Reading >>
I’ve been working with Hluvuku in Mozambique for a month now and had the chance to live for at least a week in 3 different branches (including the headquarters). I was lucky enough to live the day-to-day life of a small branch office with only one loan officer and to witness a transition of portfolio, as this loan officer, Paula, was moving back to a bigger branch and a recently promoted 1st year loan officer, Luciano, was taking over her portfolio. By than it was crystal clear the huge importance of a loan officer at the microfinance world: without their...Continue Reading >>