World Vision Micro Blog giving to empower hardworking people

Thanksgiving in May!

May 17th, 2012 Post date
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Yesterday, the WVUS staff in Federal Way, WA had the privilege of hearing Angela Mason, Special Advocate for Women & Children, speak during chapel. Below is a piece she wrote describing her experiences meeting a MICRO entrepreneur on a recent trip to Mexico.

Her name was Paula, and she was sitting across the room from us in a small but comfortable home of another MICRO recipient, Jovita.

There were ten of us from WOV Orange County who had made the 3 hour drive from Mexico City to this village near San Felipe. The day was sunny and warm, chickens ran around the yard, sheep were grazing nearby and all of Jovita’s neighbors had gathered round to see who these American visitors were and what they wanted! Nosy women – just like us! We were touched to see Paula’s shy grin and catch a couple of English words as she greeted us.

“Wow, where did you learn English?” asked one of our ladies, and Paula told us her children had taught her from their school lessons. She was a handsome 60 year old woman from the Mazahua people group, married with three girls and seven sons whose ages ranged from 19 to 39.

Her eyes fairly twinkled as she quietly told us her story.

Paula had been borrowing money from another micro-credit organization, but because her signature kept changing, they asked her to leave, even though she was an excellent client. The reason was all to obvious – Paula had never been to school and could not read or write.

In November 2011, a friend invited her to consider World Vision’s microlending opportunities, and she eagerly joined a MICRO group of 13 women in her neighborhood. She borrowed $700, purchased sheep and pigs, tended to the animals and quickly paid back her loan.

Now, Paula is forging ahead with her second loan. When asked why she picked animals as her livelihood, she told us that they are easy to take care of when you are a homemaker with lots of work to do juggling family needs and chores. Paula’s husband is very proud of her and helps her make the loan payments: “He often asks me about things I have bought. I tell him I used some of my profits, and he is happy.”

Happy and contented are the words which come to mind as I recall Paula and the simple joy she expressed when telling us about her life. I am often struck by how much more satisfied women are in developing countries compared to some of the women I know in my hometown. I asked Paula what her dream or hope was for the future, and she answered me with one word “turkeys.” She wanted to diversify and apparently these birds are a safe bet and desired by Mexicans. I was delighted with her response, but I do confess to stifling a laugh as I thought back to last Christmas, and my grumbling as I tried to force my turkey – the size of a small dog – inside my oven!

As we were getting ready to leave, Paula was placing an inky fingerprint on a document, but would not let us go until we had each received a warm hug.

More than Money: Micro Editors

May 7th, 2012 Post date
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Last Wednesday, at our weekly chapel service, we took an hour to thank the amazing volunteers who make our work possible.

Did you know, every loan and update you see posted on our website is first reviewed and edited by our amazing team of volunteer editors? We couldn’t exist without them!

As our site grows, our team of volunteer editors is also growing. Interested in joining their ranks? We’d love to have you as part of Team Micro.

You can apply via World Vision’s Volunteer Opportunities webpage.

* * *

Are you passionate about empowering women and men around the world to achieve their dreams by starting their own business? Are you looking for a way to get involved in changing the lives of children and families around the world – from your own home?

Join in World Vision’s mission to empower hardworking men and women in poverty through microfinance. Volunteers review and edit the descriptions of loans and prepare them to be posted on the website (www.worldvisionmicro.org).

Required Skills

Volunteers must be:

  • Available at least 4 hours a week
  • Comfortable working on the computer

Required Experience

Volunteers must have:

  • Strong reading and writing skills
  • Access to a computer and internet access
  • An email address
  • Fluency in Spanish or French is not required, but is beneficial

Job Location

  • Wherever you are!

Arbor Day!

April 25th, 2012 Post date
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(www.worldvisionmicro.org)

Today is the last Friday in April. And I think we all know what that means…it’s Arbor Day! For those of you unfamiliar with this most humble of holidays, Arbor Day is a day where we celebrate trees…young trees, old trees, deciduous trees, coniferous trees. Suffice it to say, I love Arbor Day. Here’s why:

1. It takes me back to my Latin roots. My Classical Latin roots, that is. Arbor is a Latin word that means tree and it was one of the very first words I learned in the 3rd declension. To celebrate, I think may go to an arboretum today catch up on some Catullus…er, or maybe not.

2. Trees are green, my favorite color. And they produce oxygen, necessary for everyday living.

3. We have SO MANY amazing entrepreneurs who also love trees! In fact, we have TONS of farmers who grow avocado trees (YUM!) in Mexico, just like Herlinda, Omar, and Rogelio. And in Cambodia, we have entrepreners who grow cashew trees and mango trees.

This Arbor Day, make your money meaningful and fund an entrepreneur like Rosalio–who grew up by a spectacular landscape filled with pine trees and learned about gardening and protecting the earth from a young age.

And now to conclude, I commence you to go forth and plant a tree! Or at the very least, go hug one…

New Seasons in Malawi

April 12th, 2012 Post date
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The following blog post was written by Timothy Hall, Africa Regional Field Specialist for VisionFund International.


The rainy season is much the same throughout East Africa- beautiful, picturesque mornings with blue sky and fluffy clouds above a verdant landscape, turned to torrential downpours that turn the streets into muddy orange rivers shortly after lunch.  The skies almost always clear by sunset, revealing an impossibly green landscape and particle-free city air.

The skies had not yet opened when I met Bright.  I was joining him for a brief trip into the field to meet his clients; he is a loan officer for the VisionFund International-affiliated MFI in Lilongwe, Malawi.  He is young, educated, and single, much like most of the other loan officers I have met.  This is a demanding job, and requires energy and devotion; Bright told me that it’s not uncommon to work 14 hour days working around clients’ work schedules, searching for delinquent clients, and fighting storms and traffic. (You can learn more about Bright’s life here).

We had only been at the client’s home for a few minutes when the rain began to fall.  This meeting was the final of a series of orientation meetings during which the prospective clients are instructed on all the procedures of obtaining and repaying a loan, including forming a constitution for the group and electing leaders.  The first order of business on this rainy Friday afternoon was an unpleasant one- it seemed that two of the new group members had neglected to show up, and were now two hours late.

This was no surprise to me.  After several months in Africa, I was used to significant delays and extremely relaxed scheduling practices- these differences are largely cultural, and often related to poor roads and transportation.  Whatever the reason, it makes doing business frustrating at times.

The group was made up of about eight women, mostly proprietors of small shops and restaurants throughout Lilongwe.  The group leaders were about to begin their third loan cycle, and are experienced businesswomen with no time for foolishness.  So there was little deliberation as to what was to be done with the tardy group members.  “We’ve decided to remove them from the group,” Bright informed me.  “They have to take this seriously.”

I was heartened by this decision; not because the delinquents got what was coming to them, but because it was to me a small indicator of Africa’s revitalization: these mothers and wives make no excuses.  Until recent years, the only picture we got of Africa on the news and on late-night infomercials was disease, drought, and conflict; and the only answer seemed to be for us to turn out our pockets and solve the world’s problems through the liberal application of Western wealth.  This resulted in incredible amounts of aid in the form of food, government loans, and infrastructure projects; and while this type of aid has saved countless lives, and remains an integral part of World Vision’s mission, it is an external force, and cannot therefore produce lasting change.

What we are witnessing is incremental, internal change- a collection of small decisions by women in Africa, enabled in part by small gifts from individuals around the world, that is revealing a different Africa from the one we thought we knew.  While I don’t know what the future of Sub-Saharan African women and their families will be, I do know that it’s past time that we started taking them seriously.

Timeline

March 28th, 2012 Post date
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In case you haven’t noticed, Facebook got a facelift. Now if I’m really honest, I’m having a hard time adjusting. Part of me wants to be bold and brave, trying something new and courageous! And then there’s the other part of me just wants things to go back to how they were…it feels like a break-up.

But the bigger issue I have with Timeline is the “big” issue. I mean, Timeline photos are just large and in charge, if you ask me. I have a hard enough time just seeing myself in the mirror most mornings. I really don’t think I need to see the pores on my face in a 850×315 image for all of my “friends” to see.

Not to mention the fact that there are SO many factors to consider when choosing such a monumental image that summarizes your entire life (Ok Facebook, I’ll say it: “Timeline”). For example, do I use a picture of me with friends? How are they going to feel about their larger than life photo of themselves on my profile page? Do I need to get their permissions? Photo rights? Would a family portrait be safer, perhaps? I’m not sure that it’s a good idea to subject people to my early Christmas morning pre-hairbrush photos? Maybe I should just go with some generic scenery with trees from a hike I went on two summers ago? But that’s so two summers ago. I could go on, but I digress.

Either way, I do know one thing: I do like World Vision Micro’s new Facebook facelift. Be sure to check out our new Facebook page and see what you think for yourself!

 

http://www.facebook.com/worldvisionmicro

 

 

 

 

 

A Success Story: Goltaz Begum

March 28th, 2012 Post date
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Goltaz Begum is a self motivated entrepreneur who used to live in terrible poverty, unable to provide enough food for her family. Training from World Vision Bangladesh provided her with the tools she needed to fight against poverty. After Goltaz began her own garment business, she then paved the way for others to create a better livelihood.

Goltaz in front of her shop (www.worldvisionmicro.org)

 

In Laldiar Char of South Patenga, there is an eye-catching clothing store and tailoring shop by the roadside where several women and adolescent girls are working on decorating clothes and embroidery. The store is named “Shopner Chowa”, meaning – “the touch of a dream.” But the story of the life of Goltaz Begum is about much more than a dream coming true.

“My husband used to work in a steel mill. In the cyclone of 1991, he had a major injury in his leg; he lost his job” recalls Goltaz. That was the start of their rainy days.

“Even now as I see poor people, I am reminded of times when I was in their condition; and I still cry. Once we went without food for three days. I did not tell my father, for it would bring shame and insults on my husband. I had one child at that time. We used to boil leafy vegetables and have it with some salt added” she said.

“When my father would ask me if we had any food, I would tell him that we had already cooked. I told him so often, and some days he would doubt and put his hand into the furnace to check if it had been used that day,” says Goltaz. “I had but one saree (dress), and in the night I would put on my husband’s lungi. We lived in this condition for almost three years,” she added.

As World Vision extended various relief and support activities, Goltaz joined a development group facilitated by World Vision. “When I wanted to join a development group my husband told me: “You cannot save five taka in a month, how will you save twenty taka?” Goltaz says.

“Other women did not welcome her well initially, because she was illiterate,” said Mohammad Harun, 45, Goltaz’s husband. “But she was the first to master the skills from the trainings,” he added.

Goltaz took loan from the development group and bought a rickshaw for her husband. Later they bought more rickshaws that they rented out. Later Goltaz received sewing training from World Vision and a sewing machine, paid in part by World Vision. She also received trainings on Block, Boutique, Chumki (glitter), Kach chupi (one kind of ornamental design on clothes), in addition to handkerchief and machine embroidery. She also received trainings on food processing, pickling, and gardening.

Goltaz started her sewing business from her home in 2002, by buying cloth and making dresses. In the first month she made a profit of taka 800 (US $11.5). She used taka 500 from that profit to buy more cloth and in the following month earned taka 1,400. She continued to work from her home and eventually employed four workers. She was making a monthly profit of taka 10,000 (US $147) out of an investment of taka 3,000 to 4,000 (US $44-58).

Noticing her progress and enthusiasm, World Vision decided to build a shop for the “Shapla Women’s Development Group” in front of Goltaz’s house. The construction was completed by October 2006 at the expense of taka 270,000 (US $3,913). Now more people could see and come to know that a fashionable clothing and garments store existed in that area. In the first year at the shop, Goltaz worked with nine co-workers and saw a monthly profit around taka 15,000 (US $220).

“Only God knows where I would have been if World Vision did not provide me these trainings,” Goltaz speculated.

Now Goltaz owns three sewing machines, one embroidery machine and one over loop machine. With 12 girls and women working in her shop, more 14 working from their houses Goltaz sees a profit from taka 17,000 to 18,000 (US $246-260) each month. Around 800 women and men are engaged in garments ordered works through Goltaz’s contracts.

Goltaz works on contracts from buyers and also she makes dresses to sell from the shop. “The local people say that they prefer to buy from me rather than from the market”, says Goltaz.

“We bought a television and cable line connection so that we can watch the Indian TV serials and acquire ideas of various embroidery and other designs on dresses that the performers wear,” says Harun.

“I want to learn computerized sewing and embroidery machine operation and buy the machine if I can pay in installments. It will cost around taka 700,000,” said Goltaz. She continued, “I want to advertise on television. I told all my workers that we would work to increase our volume of work and profit till we expand so much that our shop will be shown on TV”.

Mahfuza Khatun, 28, is Goltaz’s second aunt. Her husband was a day laborer who died four years back. Since then it became too tough for her to make ends meet for her family with three daughters. “Previously our family was quite fluent financially. I saw Goltaz going through a very hard time,” Mahfuza says. “After my husband died, I started working with Goltaz. Now I pay for my family and my daughter’s schooling with my income from the sewing and embroidery works. Goltaz is not working by herself, but many other girls and women are being able to work with her,” she added.

Goltaz with her family (www.worldvisionmicro.org)

Those who work with Goltaz receive training free of cost. Her children are also learning the skill of sewing and embroidery besides going to school. A businessman who has fashionable clothing business abroad wanted to hire Belal, Goltaz’s eldest son, and take him to Dubai, for, the man said, this skill is highly valued there. But Goltaz wants her children to be the next generation possessors of her business legacy.

Goltaz and her husband Harun have three children,  Belal (17), Rima (14), and Helal (9). “I learned the skill of Kach Chumki and sewing from mother,” said Helal the youngest son.

Today, the income generation activities and interventions of World Vision have made livelihood more viable for thousands of women through one. The courage and enthusiasm of one woman to learn and take a step ahead is all that it started with.

“The ADP has been putting much effort to establish a business group with the women who got involved in skill training as women empowerment process. Till now, 260 women (members of Development Groups) are self-engaged in the mechanism of increasing income through Income Generating Activities,” stated Andrew Ritchil, Manager of Patenga ADP.

There is a business group jointly organized by 60 women. They now have two sales centers in the communities. They received training on needle works, sewing, block printing and karchupi (a special type of design on women’s wears). These women are now making garments products from their homes and selling them from the sales centers. The result of their works and businesses are very encouraging.

Andrew stated, “These women earn extra money for the families, which once cannot be even thought. Many men did not allow their wives to work for earning. The family environment is also changing now. These women are now being dignified.”

 

2011 VisionFund Annual Review

March 27th, 2012 Post date
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VisionFund is the microfinance subsidiary of World Vision, dedicated to providing financial services to the poor.

VisionFund Annual Review 2011

VisionFund is proud to release its 2011 digital online annual review.

Click on the 2011 annual review’s front cover or the link below to access their yearly global highlights complete with a message from senior leaders, strategic priorities, financial and impact outcomes, and digital media.

View their annual review on your computer, smart phone, or tablet

To request hard copies, please email: weare@visionfund.org

Three Year Strategy Report

Along with the annual review, VisionFund has released its three year strategy report.

Outlining its clear vision over the next few years, learn how the microfinance network aims to impact 3.5 million children each year by 2015.

View their strategy report on your computer, smart phone, or tablet

To request hard copies, email: weare@visionfund.org

 

 

 

 

A Day in the Life Of…A Malawian Loan Officer

March 21st, 2012 Post date
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The following blog post was written by Timothy Hall, Africa Regional Field Specialist for VisionFund International.

Bright (far right) is a World Vision loan officer in Malawi. Here he visits with some of his clients. (www.worldvisionmicro.org)

 

This is a day in the life of Bright Sambo, a loan officer for World Visions in Malawi. Bright is 28 years old and has worked at FITSE in Lilongwe, Malawi for just over a year.  He is not married, and hopes to someday become an accountant.

6:00 a.m Bright wakes up.

7:00-7:30 a.m He arrives in the office.  Usually, the day begins with a short devotional comprised of hymns and a Bible reading.

8:00-8:30 a.m Bright leaves to start meetings with his clients, this is his favorite part of his job.

Bright manages 38 groups, each averaging about 8 clients, mostly women.  So his day will be full with a variety of different meetings- promotional meetings in new areas, orientation meetings with new groups, collateral verification, loan disbursements, and loan repayments.  Sometimes, he will also have to search for clients who have moved or are delinquent in order to recover the loans.  He said that the least favorite part of his job is aggressive clients–ones who are unhappy with the loan and demand better terms, or try to get out of repayment.

Bright uses a motorcycle to get around to his clients’ houses.  Depending on the type of meetings, he might have three or four in a day, up to eight.  Orientation sessions may be over two hours a piece, but loan disbursements and collections are often completed in half an hour.

6:00 p.m.-10:00 p.m Bright returns home.  Depending on the kind of traveling he has to do, Bright’s work could extend for several hours past the normal 6:00 clock-out.  In this part of the world, a loan officer often has to spend 2-3 hours traveling to locate a single client.  Central Malawi is an agricultural area, where clients grow peanuts, tomatoes, potatoes, and corn, and can be spread out over the countryside.

Gettin’ lucky

March 17th, 2012 Post date
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Is there really such a thing as luck? Do things happen by chance? Whether it’s luck, coincidence, or ordained by God, it cannot be denied that some of us seem to have more good fortune than others. And while I’m thankful that I have the opportunity to live in a prosperous country, be in a caring relationship, and openly worship my God, others are clearly not so “lucky.”

Even Ecclesiastes 9:11 states, “I took another walk around the neighborhood and realized that on this earth as it is—The race is not always to the swift, nor the battle to the strong, nor satisfaction to the wise, nor riches to the smart, nor grace to the learned. Sooner or later bad luck hits us all.”

Irene was a newcomer to her village when her husband was shot and killed during a robbery.  Devastated and left on her own, with one young child and another on the way, Irene’s life was changed forever.  “Life was difficult in those early days,” says Irene, “I had to sell kale (a vegetable) door to door, often with my baby strapped on my back.  My toddler could not go to school, because I couldn’t afford the school fees. . . . At the end of the month I was barely able to pay for my rent (US$10 per month) and buy food for the children.”

“Then, one day a friend of mine introduced me to [World Vision],” says Irene.  She took out a loan of $255 and bought goods to set up a small shop. Within six months, she had repaid her loan and enrolled her daughter in kindergarten.

Not long after this, and with the help of a $500 loan, she opened a second shop which her unemployed brother could operate. Again, Irene was able to pay back her loan within 6 months.

In addition to her two stores, Irene also now runs a small taxi business. Her daughter Mary is a junior in high school, and her younger daughter is in primary school. Asked what her future plans are, Irene says, “Now I am saving up for a home of my own.”

Psychologist Richard Wiseman has studied the principles of good and bad luck.  He conducted experiments which showed that we can actually influence our own luck.  In fact, he identified four critical factors in those who are often “lucky.”

  1. Maximize chance opportunities
  2. Listen to your intuition
  3. Expect good fortune
  4. Turn good luck to bad

 

I found this list interesting because while we can choose how we respond to opportunity (#2), we can be hopeful and vigilant (#3) and we can take action when opportunity presents itself (#4), not everyone has the same chance opportunities(#1).

Irene’s story underscores the value that giving those chance opportunities provides to people who, through no fault of their own, have been “unlucky.” Irene had the skills, innovation and determination to succeed in life.

All she needed was a chance. Thanks for giving her one.

P.S. Happy St. Patrick’s day.

International Women’s Day: Having it all in Cambodia

March 8th, 2012 Post date
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Today is International Women’s Day. We honor the remarkable achievements of women like Konitha, a mother and entrepreneur in Cambodia who used World Vision business loans to build a life of dignity and hope for herself and her children.

Konitha, 32, is a successful entrepreneur and happy mother. Here, she's pictured with her baby, 5-month-old Thing Thing. (www.worldvisionmicro.org)

Written by: Kari Costanza

When I was 12, my mother bought me Helen Gurley Brown’s book, “Having It All.” The book offered advice on how a woman could succeed at everything — love, work, and family. My mother knew even then that her overachieving daughter would have difficulty choosing between having a family and having a career.

And she was right. I couldn’t. I wanted to have it all.

Today, at 49, being a wife, a mother of two children, and a World Vision journalist who travels for months every year is a juggling act. Sometimes the balls go splat, and I wonder whether “having it all” is even possible.

Meeting Konitha last week in Cambodia, I realize that it is.

Konitha, 32, is the mother of two girls. Her family’s story is told time after time in Cambodia — the story of the Killing Fields and how a few terrible days in April 1975 turned into years of nightmare for millions of people. How they were ushered at gunpoint out of the capital city, Phnom Penh, to work as peasants in the fields.

If they were educated, they were killed. If they resisted, they were killed.

The family survived the genocide, and Konitha was born in 1980. But their challenges continued. During another period of fighting in 1997, the family home was burned to the ground. Konitha had to go to work in a garment factory, working 11-hour days to help make ends meet.

Then, Konitha found out about World Vision. She’d been invited to a meeting about World Vision’s microfinance program, where a representative discussed how it worked — how a woman could take out a small loan, and, if she had a good idea and had skills, how she could parlay that loan into a small business.

Konitha decided to jump on board. She took out a starter loan of $50 to buy cloth to resell to her colleagues at the factory. This factory worker was quickly becoming an entrepreneur. With that loan paid back, she took out another $100 to expand the business.

But something had changed in Konitha’s life.

She’d had children — two girls. And what she wanted more than anything was to take care of them and ensure they got a good education. So Konitha dreamed big, taking out a loan for $3,000 to build a house and start a grocery store across the street from her home.

Today, that business is thriving. She sells Chinese noodles and coffee, with business acumen picked up from World Vision — her business is clean, everything is homemade, and everything is delicious.

Konitha’s grocery store has become the neighborhood 7-11. And she does it all with two little girls in tow — one who goes to school during the day, and the other who spends a lot of time in her mother’s arms.

Today, this working mother brings in $300 per month — a full $130 more than she made at the factory. “Now I have enough time for my children,” she says.

I asked Konitha about her future goals.

“To be like you,” she said. “To be a professional. If I had a higher education, I would sit in an office like you.”

How I responded made Konitha’s eyes widen.

“I want to be like you,” I said. “You have it all. You are a successful businesswoman who still gets to spend a lot of time with her children. That’s what I want — what you have.”

Standing there in front of Konitha’s Chinese noodle shop and grocery store, I thought about how far away I was from my family, and how close Konitha was to hers.

Thanks to a small loan, Konitha does have it all.  And on this International Women’s Day, I celebrate her.

And I think Helen Gurley Brown would, too.

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