KF5 (Kiva Fellows 5th Class)

 

The Benefits of PA2

As many of you Kiva lenders have noticed, Kiva recently upgraded the administration system that Field Partners use to post businesses and report repayments. The partner administration system, aka PA2, is where Field Partners post businesses onto Kiva and report on the status of each loan. This was a major redesign of the site and [...]

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Thankful.

When FINCA staff interview clients to write their Kiva profiles, the last question each client is asked is “What are your dreams for the future?” As I looked at the profile of FINCA client after FINCA client, I was struck that almost everyone had some variation of the same three dreams:
1) “For my children to [...]

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Using GPS to Map Out Borrowers

In my last post, I talked about visiting a client with Phanith, the AMK Kiva coordinator. The client officer (a.k.a. loan officer) was not available to take us, so we relied on a hand written map that got us lost many, many times. We had to ask almost every villager we saw, before we finally [...]

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The odds are 1 in 14 million

Wow, this Kiva world is small. The other day, while I was attending a United States Presidential election-day event with a good portion of the other expats in Phnom Penh, Cambodia, I noticed a woman just as teary-eyed as me as the results rolled in for President Elect Barack Obama. Both overwhelmed with emotion, we [...]

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Portrait of a Client

The noon-day heat of equatorial sun beat down on tin roofs and dirt roads. It was quiet, the sounds a little muffled outside the paint shop of Rwandese Kiva client Marie Chantal Mukasafali.

“The business is good here,” she says, “thank goodness our inventory doesn’t spoil.”

Marie Chantal, operator of this small enterprise for well [...]

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A long overdue staff introduction

Yes, as I am leaving. Julie Ross, the next Kiva Fellow to be placed in Rwanda, will take over with better and I’m sure more consistent postings here. But in the meantime, a quick note on some of the staff here at VFC, whom you will soon meet in more detail:

The Managing Director, Shem, [...]

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Navigating Monsoon Season by Moto

I’ve been working with CREDIT-MFI as a Kiva Fellow for about a month and a half, and I still feel like I’m getting my feet wet. CREDIT is fairly large with about 360 employees working throughout Cambodia in their 7 branches. I work closely with CREDIT’s two Kiva Coordinators, Sopheap and Vichet, at the head [...]

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Ready for my close-up Mr. DeMille

I am a little nervous. Not for myself, but on behalf of some of our Kiva clients. The reason? We are heading out to Bac Ninh ( the small town where Kiva’s Vietnamese micro-finance partner has a regional office ) to film some clients. Kivab2b is making a short film about Kiva and the engaging [...]

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News Flash

Earlier this month, the Rwandan government announced that French was no longer to be the official language of communication and teaching. Currently, French is used as the language of instruction in over 95% of schools; all of them must now switch to English. In addition to schools, government workers must be fluent in English. The [...]

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A Match Made in Heaven

After working at FINCA for six years and then earning a Masters degree in the United States, Winnie Terry was well prepared to start a new microfinance organization (MFI). Together with some former colleagues, she opened an MFI in Dar es Salaam known as Tujijenge Tanzania (meaning “build together” in KiSwahili). With Winnie as the [...]

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Asking Kiva Entrepreneurs Questions From Lenders

Last Wednesday Phanith, the AMK Kiva coordiantor, and I were very eager to head out into the field the next day to ask two Kiva entrepreneurs, the Siphat Yang Village Bank and the Chon Erm Village Bank Group, questions that I had gathered from lenders. Unfortunately, when we called the loan officer she told us [...]

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Interview with Paul Luchtenburg, CEO of Angkor Mikroheranhvatho Kampuchea

      

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“Hi. I’m in Jail, Please Get Me Out of Here…” (Part 2)

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Jail in Beirut wasn’t really a high-security sort of place. Most of the “prisoners” were being led around without handcuffs, and no one was carrying a weapon. People were actually fairly friendly. My holding cell had only a few people [...]

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“Hi. I’m in Jail, Please Get Me Out of Here…” (Part 1)

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(So the following actually took place a few weeks ago, but by request, I’ve written an exceedingly long account of everything that happened. Certainly not a typical Lebanese experience, but an unfortunate twist of living in a strange land…)
I think [...]

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Honey I’m Home ( aka A Typical Kiva Day in the Office )

I am not a morning person. I know this about myself, but am starkly reminded of this fact when my alarm goes off at 6am. In a zombie trance I get out of bed, put the kettle on and have a shower. I put on the clothes I chose the night before, as I know [...]

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Comedy White Man

Anyone who has spent time in some of the more remote parts of Africa will probably shrug their shoulders at my observations. But as a first time visitor it’s hard not to feel like a bit of a celebrity, at least with the children. Wherever you go, kids stop and look. Sometimes they laugh or [...]

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When Primates Attack (And Other Tales of Fellows’ Mayhem and Adventure)

As the next round of Kiva Fellows finished their training, Nabomita, Zack, and Julie (KF5) met for a weekend getaway in Mombasa, Kenya. During our reunion, we came up with some words to live by both for successfully completing your fellowship and for happily taking a respite from the rigors of life at an [...]

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Making the most of Medex

As I wrote in my last blog entry, my weekend’s planned excursions included a climb up the tallest statue of Jesus in the world (disappointing—turns out he’s closed on Sundays) and a hike in nearby Tunari national park. It also included an unplanned visit to the Clinica Belga Boliviana, the fanciest-sounding hospital in my Lonely [...]

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Flying and Hot Buns

Dala-dalas are Dar es Salaam’s form of public transportation. They are buses that run all over the city, charging about $0.30 per ride. There is no set schedule, and they typically only leave once they are full.
Although several Tanzanians warned me about taking dala-dalas during rush hour, I figured it was no big deal. So [...]

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21 Days on the Road (Part 2)

(To see what happened during the first 11 days, see Part 1)
Day 12 (Warning: slightly disgusting content. Do not attempt to read while eating):
I just finished rubbing my heels with sandpaper for the last hour. It’s a long story how I got to this point, but it involves exclusively flip-flops/sandals and very dirty/dusty/sandy [...]

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Microfinance In Cameroon – Ten Years On

 
One of the most inspiring things I have seen in Cameroon is the progress made by many GHAPE borrowers over the years. GHAPE is the local NGO where I am working during my time as a Kiva Fellow in West Africa. Their aim, like many of the other hundreds of microfinance organisations around the world, [...]

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Micro-finance in Post-Conflict: Meet OI-Wedco

It has been sometime since I’ve updated for the Kiva Fellows blog. As cliché as it is lots has happened and I’ve promised a more in depth description of the impact of the post-election crisis on micro-finance. So in baseball terminology I offer a double header (or double-dip in the vernacular of the [...]

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Brief Summary of the Post-Election Crisis in Kenya

The last several weeks I’ve been traveling all over West Kenya visiting groups in the branch offices of OI-Wedco to do journal updates. I return back to Kisumu with a deeply somber heart.
A few weeks ago in Kakemega I met two Kikuyu single mothers from a Kiva funded group. They told me about how [...]

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A date with Colonel Mathieu and Why Kiva?

I’ve had a pretty frustrating day here in Beirut. To those who plan on traveling, a bit of advice…don’t loose your passport. Especially not in Lebanon. I felt like I was trapped in that scene from Battle of Algiers where Colonel Mathieu is unceremoniously perched atop his desk answering the questions of reporters either with an endless moral treatise or a flippant [...]

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What’s in a name?

Well, I’m back in the U.S., which means back to the old grad-student-grind. (There is, however, the new excitement of teaching French 1 for the first time here in Beautiful Berkeley, where I have hardly seen a cloud since my return.) I’ve had a few things to finish up for my Kiva fellowship in Senegal, [...]

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Same Same But Different

In Hanoi the tourist stalls in the old quarter are crammed with all manner of trinkets for tourists to buy. T-shirts are of course popular and there are many that contain that ubiquitous saying ‘same same but different’. Usually I ignore the persistent hawkers ( while fighting back the urge to proudly declare that I [...]

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Who needs Traffic Lights… We have Honking!

I couldn’t really decide how to start this blog. I’m a bit new to the business. I always assumed blogs were just a bit pretentious unless you had something terribly important to say, but now that I have to write one of these things for my Kiva fellowship, I think I’m growing into the idea. [...]

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21 Days on the Road (Part I)

On August 24th I left Dar es Salaam for a 3-week trip to central Tanzania to train BRAC branches on Kiva in three other regions. Here’s a glimpse into the first 11 days of my 21 days on the road:
Day 1:
Seven hours on the bus from Dar es Salaam to Dodoma has kicked [...]

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Cochabamboozled

I have eaten more in the past six days than in my previous five weeks in Bolivia. Cochabambinos pride themselves on living in the eating capital of Bolivia, and the third question people ask you after “What’s your name?” and “Where are you from?” is usually “How do you like the food?” The local specialty [...]

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memorial

The shock of mold growing on the open skull would be hair, but was not.  Dents of landlocked bone, stab marks, inscriptions of knife in cartilage – too the contorted tongues encased in lime, preserving shape but not smell, not soul.  How thin the bone under plaster, the ligaments.  Are they shape, were they this [...]

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memorial

The shock of mold growing on the open skull would be hair, but was not.  Dents of landlocked bone, stab marks, inscriptions of knife in cartilage – too the contorted tongues encased in lime, preserving shape but not smell, not soul.  How thin the bone under plaster, the ligaments.  Are they shape, were they this [...]

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memorial

The shock of mold growing on the open skull would be hair, but was not.  Dents of landlocked bone, stab marks, inscriptions of knife in cartilage – too the contorted tongues encased in lime, preserving shape but not smell, not soul.  How thin the bone under plaster, the ligaments.  Are they shape, were they this [...]

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memorial

The shock of mold growing on the open skull would be hair, but was not.  Dents of landlocked bone, stab marks, inscriptions of knife in cartilage – too the contorted tongues encased in lime, preserving shape but not smell, not soul.  How thin the bone under plaster, the ligaments.  Are they shape, were they this [...]

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Continue reading → memorial

memorial

The shock of mold growing on the open skull would be hair, but was not.  Dents of landlocked bone, stab marks, inscriptions of knife in cartilage – too the contorted tongues encased in lime, preserving shape but not smell, not soul.  How thin the bone under plaster, the ligaments.  Are they shape, were they this [...]

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Phnom Pehn Notes: Sweaty Jeans, Magic, and Black Smoke

After 7 movies, 4 made-for-TV dramas, 1 documentary, 2 Sudoku games, 1 confiscated Swiss army knife, 1 - $70 extra baggage weight charge, 5 airplane meals of chicken, chicken, and more sai mouan (chicken in Khmer), and 3 different planes, I am finally in Phnom Pehn, Cambodia. I believe I am the last of [...]

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How to adopt a child…..

As some of you might know there is the story about the Guatemalans being a bit scared of people taking their kids for illegal adoption; apparently there was once a Japanese tourist beaten to death when he (or she I don’t know) picked up a kid.
Myself I have had kids dropped in my lab to [...]

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Homeless in Dar

Fresh off the plane, I arrived in Dar es Salaam eager to begin work with Tujijenge Tanzania as a Kiva Fellow. First task: find accommodation for the year. Without Craigslist Tanzania, the whole process promised to be daunting.
It was. Here are some of the reasons:
Go to a real estate agent, he charges you $20 for [...]

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Malaria & My Trip to a Nigerian Hospital

Since arriving in Nigeria, I’ve mostly been hot. When I’m not hot, I’m comfortable. Cold is a word that I reserve for specifying how I would like my bottled water. When I became chilled and goose bumps started popping on Wednesday night, I knew something was wrong.
Within one hour, my forehead was [...]

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Progressive housing 101, or, an intro to why housing microfinance matters

I promised a long time ago to write about housing in Nuevo Laredo.
So I will exercise self-control and delay the gratification of writing about my recent outing to a lucha libre pro wrestling extravaganza. I will write instead about how housing gets built here in Nuevo Laredo – more of a sweaty struggle than the [...]

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Mama’s Left Leg

Squeezing people into taxis is par for the course in Cameroon. As cabs approach, you shout your destination to the driver and if you get the nod you hop in. If there are already three in the back, no matter, there’s room for one more. If there are two in the front, again, no problem: [...]

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A Study in Contrasts

Dar es Salaam. The city is an assault on the senses. Flying into Nyerere International airport, my first glimpse of Tanzania, and indeed of Africa, is incredibly beautiful – mile upon mile of azure ocean clings alluringly to a sandy coastline, clusters of coconut trees spring up from between houses with maroon and blue roofs, [...]

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Targeting the Poorest of the Poor

AMK has the lowest average loan balance per borrower. According to MIXMarket, AMK’s average balance at the end of 2007 was $86 per borrower. To put that in perspective the second lowest was AMRET at $164, which is nearly 90% higher. HKL, Credit MFI, and Maxima (the other three Cambodian MFIs working with Kiva) have [...]

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NEW DISCOVERY!!! Microfinance before Grameen

Well, maybe I’m not the first to discover that microfinance existed in Cameroon before the Grameen bank was founded in India or before Mohammed Yunnus got the Nobel Prize, but I felt like I had when I stumbled upon Njangi while talking to some friends over the weekend. The young people who I’ve met in [...]

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Irresponsible Lending – Some Lessons

I am sitting in the modest headquarters of GHAPE in Bamenda, north west Cameroon.

I am surrounded by the membership books of some of the organisation’s small borrowers, detailing their loan totals and bi-monthly repayments. There is no column for defaults. When the women (it is mostly women) meet to make their regular contributions they [...]

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To Begin

Mornings, always one rooster does not know the time of day.  As is customary in the neighborhood, most chickens start calling between five and six – but renegade number one is early.  4:30, last time I checked.
 
To be sure, were it not for the roosters I am guaranteed to wake soon after.  Shortly after six [...]

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I Am Woman, Hear Me Roar

When I first began working in Washington D.C. on Capitol Hill, my initial impression was horror that the country was being run by a bunch of 20-somethings.  At 23, I was solidly within the median age range and even felt old when I saw peers walking around with short skirts, finding myself thinking “how inappropriate!”  [...]

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Patan Business and Professional Women Photos

A few of P-BPW’s borrowers.

A regular borrower’s group meeting.

Borrowers making payments with loan officer.
 

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Ms. Rita

Field visits are by far the best part about being a Kiva Fellow.  You’re given the opportunity to hop on a motorbike, hike up a village trail, and actually see the impact of a Kiva loan firsthand.  
While this is indeed an incredible experience, after a few weeks of checking in on chicken farmers and [...]

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Playing Catch Up.

I should have been a better blogger.
After two months in the field as a Kiva Fellow, I have now returned home to speedy internet, reliable electricity, and a slightly more predictable daily schedule.  So, from my comfortable desk with my cup of coffee, I will now try to make up for a less than prolific [...]

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Bolivin´ at high altitude