Mar 14, 2008 GT Guatemala

Over the past five months I have, several times, made the ignorant mistake of poking fun at the perceived idea of ‘cold’ here. Coming from Minnesota, land of ‘the nation’s ice box’, where just a couple weeks ago it hit a record low of 40 below, before wind-chill, I have a different mentality of cold than someone from a not-so-northern state, who might put on a winter jacket when the weather hits 60, when we don a t-shirt come spring when the thermometer notch reads above freezing. So, when traveling to places in Peru and now Guatemala, that are known to the locals as unbearably cold, I...

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Mar 14, 2008 WS Samoa

Greetings, friends and strangers.

I’ll be spending the next 3 months in Samoa providing you with my observations of the country, people and most importantly, South Pacific Business Development (SPBD), the MFI at which I’ll be working and to whom you may have lent.

I will not offer my impressions of Samoa until several weeks have passed and I can start to make some sense of everything. Otherwise, it would only be a collection of incoherent ramblings about a country of which I do not even speak its native language.

Many have asked where Samoa is located. Or...

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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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