Bithi and her husband left their families in rural Bangladesh and moved to the over-crowded city of Dhaka—home to 5 million people—in search of a better life. The only work they could find was in a garment factory, earning meager wages. The couple rented a small, one-room home in a slum near the garment factory.
Thousands of Dhaka residents, desperate for work, accept low-paying—and often dangerous jobs in garment factories. Others work as rickshaw pullers or day laborers.
The couple was barely surviving when Bithi became pregnant. She gave birth to a little girl named Jannath, which means “heaven.” Bithi was referred to a World Concern clinic so Jannath could receive immunizations. During her visit to the clinic, doctors discovered that Jannath had a hole in her heart. The family was referred to a local hospital where their daughter received treatment.
As Jannath grew, Bithi visited the clinic regularly for checkups. She built a relationship with the staff there, who support and encourage her to keep her daughter healthy. But they also noticed that Bithi was struggling emotionally and financially. Her husband blamed her for Jannath’s health problems. And their daughter was often left in the care of others so that Bithi could work at the garment factory.
Realizing that Bithi needed a better income to afford treatment for her daughter’s heart condition and to support herself and her family, the staff recommended her for a World Concern microloan. With Bithi’s first loan of $270, she was able to quit her job at the garment factory and start her own business as a seamstress.
She’s now able to care for her daughter full-time, and has hope for a better future, beyond grinding poverty and exhausting, long hours in the factory.
World Concern microloans help thousands of women like Bithi transform their lives by starting their own businesses. Women who are helped through our microcredit program are provided with loans, training on how to profit from a business and ethical business practices, and ongoing support to grow their businesses – even hiring more women who need to earn income safely.
Quietly, a crisis is brewing in Haiti. You likely have not heard about it. It rarely makes headlines or even surfaces in mainstream media. It currently affects 6.7 million people, or about two-thirds of the country’s population. And it is getting worse.
At the center of this crisis is one of humanity’s most basic needs—food. In Haiti, as of March of this year, 6.7 million people face food insecurity. Simply put, food insecurity refers to a limited supply of food and the inability to access it. This means families in Haiti, already stretched financially, are forced to make hard decisions. Where will we get food today? How much food can we afford? Will we eat two meals, one, or even none today? Can I afford my children’s school fees when there are more pressing needs? These are questions no one should have to ask and wrestle with on a daily basis.
The destruction Tropical Storm Isaac and ‘Superstorm Sandy’ left behind in 2012 meant combined agricultural losses totaling $174 million. This is an incredible amount of money when you consider that the average Haitian only earns $700 per year. There is no safety net in Haiti, aside from the support one has from their family and others in the community. Though Haitian culture is very communal and it is almost expected that you will help out someone when they are in trouble, there is only so much support that can be given.
For poor farmers, the most valuable thing they have is the land they work. Their entire income may be dependent upon a successful harvest. Following Hurricane Sandy, 70% of Haiti’s crops were destroyed. This means a loss of income for many farmers and less food available on the market, which drives up prices. These two outcomes, due to a rough year of consecutive natural disasters, are why so many people are currently facing food insecurity.
The cost of living here in Haiti is actually quite high and is not something widely known. It has definitely surprised my wife and I since we moved here to work with World Concern. To put things in perspective, currently our monthly food budget is the same as it was in Seattle (and we’re not buying imported wines and cheeses). We often eat rice twice a day because it is cheap, a good filler, and we like it. We have the resources to feed ourselves even if the cost steadily rises. Unfortunately, this is not true for many in Haiti especially as food insecurity worsens.
So, what can be done about the Food Crisis?
A priority must be to get farmers producing again. Productive farmers mean increased income for families and also a needed boost to local production. This is why supporting farmers and helping them become successful is important and positively impacts both farmers and consumers alike.
World Concern’s food security project is one way we are attempting to support rural farmers. In 2013 alone, this project aims to improve food security for 2,000 people. This is a really cool project and one that I am happy to share about. World Concern leases three hectares of land in three different departments and uses the space as an outdoor classroom. Here, local smallholder farmers are taught how to produce high-quality seed that they can use season after season.
Other trainings geared towards youth interns, the next generation of farmers, teach best practices. Another important piece of this project is the introduction of mechanized equipment to local farmers. Many farmers in Haiti work the land manually which is tedious and difficult work. The project uses small tractors to help farmers increase productivity.
Food insecurity remains a real threat to families in Haiti. This is a big issue and cannot be dealt with quickly. However, it is exciting to see World Concern take important steps to support rural farmers and strengthen their capacity to become productive.
This is definitely a silent crisis. My goal is to, at the very least; make people aware of the current situation and how it is affecting millions of people in Haiti. So please check out the links you see throughout this post and become informed. Even do a little research on your own if you feel compelled. In order to effectively engage we must understand what is going on and why.
In my travels, I experience all kinds of environments, from tropical jungles to barren deserts. Yet no other place has left such a deep impact on me as northern Somalia (also known as Somaliland).
We traversed an elevated plateau, ringed by mountains, known locally as the Ogo. Were it not for the intense heat, I would have believed we were on the moon. Wind whipped up the sand, filling my teeth with constant grit. The air sucked all moisture from my body. My throat was sore and my tongue was swollen.
There are no roads, and the landscape is littered with rocks and small shrubs. We drove for hours hardly passing anyone, only seeing a few people leading a herd of camels into the horizon. It’s a lonely place.
Most people in Somaliland are nomads. Livestock (camels, goats and sheep) are the only way of life in a place with so little water. These animals walk hundreds of miles each week across the Ogo, traveling from one waterhole to the next, and whole families move with them, carrying their homes on their backs. The last few years have been especially hard, as rains have come less and less frequently, and wells dry up.
Years of drought and desertification, coupled with conflict, are making the nomadic way of life much more risky. Rains are fewer and far between. I’ve visited places that get rain two or three days per year. Ironically, so much rain falls in one day that it causes walls of water 15 feet high to roar down dry river beds, washing away whole families. Between the constant wind and these flash floods, soil is eroded away and the high central plains are mostly bare rock, with a few inedible shrubs.
In Huluul, we met a widowed mother. The scar on her face and the weariness in her eyes are deceiving. She is not even 25, her four children under 7. After her husband died, she couldn’t manage raising her young children and taking care of his herds. As the animals died off, one by one, all hope of a future for her children died with them.
Like so many others, she moved to towns like Huluul to start over. Unfortunately, this has put a heavy burden on the meagre water supply in town, and threatens the health and lives of many more.
Since 2008, World Concern has been crisscrossing the Ogo plateau, working in small villages and towns to turn the tide on water shortages. Through introducing rainwater tanks in schools, clinics and public buildings, repairing and protecting wells, and teaching schoolchildren about public health, a crisis is being averted.
In Huluul, increased water supply has meant economic growth. The town social committee is providing food, shelter and water to this young mother and many others. Her children have access to food and water at school, and the health clinic has fresh water as well. For one woman—and many more with your support—water means life, and new hope.
When we met 12-year-old Tong, she had not been to school for two years and was working on her parents’ rice farm in rural Laos, near the Thai border. Her family of 9 is often hungry. As the 3rd oldest child, she feels it is her responsibility to help her siblings survive. So, Tong was considering going to Thailand to find work.
“I heard from friends that it is easy to earn income (in Thailand). I would like to try. Even just a little pay for any work, I will accept,” she said eagerly.
Telling a child like Tong that this would be dangerous is the first step in keeping her safe. She also needs opportunities at home to earn income safely and to get back in school.
So before she left, World Concern offered her the chance to learn sewing skills. Although she was the youngest of 14 girls in her class, she quickly learned to sew a beautiful traditional Lao skirt. Tong also learned she can sell her skirts for about $5 each. By making two or three skirts a week, she can greatly increase her income. And, since she’ll no longer have to work in the rice fields, she can go back to school.
Now, when asked if she plans to go to Thailand, she responds confidently, “For what? I can earn income here and be with my family. There is no need to go there.”
Tong’s story illustrates how teaching children and young girls about the risk of trafficking and offering them alternative ways to earn income keeps them safe.
Another girl in her village, Duangmany, wishes she had this opportunity at Tong’s age. When Duangmany was 15, she took a risk many girls her age are willing to take. She left home and travelled 12 hours to a small town outside Bangkok in search of work.
Far from home, Duangmany ended up working in a small restaurant, preparing food and serving beers to male customers.
“The work was very tiring. I had to get up early to prepare the meat,” she recalled of her experience. “I woke up early in the morning and worked late in the evening to clean and close the shop. I worked long hours and felt physically exhausted. When I requested a chance to rest, it wasn’t allowed. What I was earning was not enough for the work I did.”
Although Duangmany says she was abused by the restaurant owners, she was attracted to the freedom to buy shoes and clothes with her money. But eventually, her body gave out and she wasn’t able to go on. She returned home with $6 in her pocket.
When asked about the abuse she suffered in Thailand, Duangmany grew quiet. She refused to talk about the experience of serving beers to men, and when asked if she would ever consider going back to Thailand, she shook her head and said, “No.”
After joining the World Concern vocational skills class and learning to sew, she has hope for the first time to earn enough income and to help support her family—in a safe way. And when other young girls talk about going to Thailand for work, she can tell them about the reality of what’s waiting for them across the border.
Last month we told you about thousands of innocent families who were forced to flee their homes because of fighting in Northern Myanmar. These families arrived in overcrowded camps with nothing. People were sleeping outdoors in the cold and children were sick. Many of you stepped up and donated. Here are some photos just in from our staff in Myanmar showing how we’re helping.
This is part three in a three part blog series exploring World Concern’s microcredit program in Haiti. If you missed part one and two you can read them here and here respectively. Thank you for reading!
As we have seen throughout this blog series, microcredit is a tool that can provide opportunity to the poor who often lack access to the resources needed to succeed. In Haiti microcredit has exploded over the years and currently there are an estimated 116,000 borrowers throughout the country. With this many microcredit clients in Haiti and many other groups serving poor small business owners, what makes World Concern’s program unique?
“Our clients say to us that our interest rate is low, our training helps them in their business, and since we are a Christian organization they feel comfortable with us,” said Vilbert Douilly, World Concern’s microcredit program director in Haiti.
In part two of this blog series we discussed how World Concern includes Biblical values into its’ training for each new client. World Concern staff is able to use text from the Bible to share about the importance of having integrity both in personal life and business life. Our desire is to transform individuals and communities both physically and spiritually. It is encouraging to see how microcredit can be used to accomplish this goal.
World Concern has been providing microcredit to small business owners in Haiti since 1990. We hope to use our experience and expertise in this area to continue to empower and support people in the future.
“I want to see our microcredit program become an institution of reference for others. We want to continue to be involved in microcredit in Haiti. We wish to serve more clients and reach the most vulnerable in our country,” shared Mr. Douilly.
Together we can see this vision of continuing to serve the most vulnerable come to life.
Small business owners in Haiti often lack the ability to access credit and therefore lack opportunity. Access to credit at traditional banks is reserved for those who are more privileged and have assets. Although the poor desire to be productive and provide for their families, there are little to no options for them to expand their business and earn a livable wage. Microcredit aims to address this injustice. It is one tool that World Concern has found useful in equipping and supporting the poor.
Please consider partnering with us as we support small business owners in Haiti. Your investment not only impacts the individual client but their family and community!
Here are a few of the 5,000 exceptional people we are blessed to work with in Haiti.
This is part two in a three part blog series exploring World Concern’s microcredit program in Haiti. If you missed part one, you can read it here. Please keep visiting the World Concern blog in the coming days for part three.
The majority of Haitians earn their livelihoods by operating a small enterprise but are left without an equitable option for receiving access to credit in order to grow their business. These enterprises are operated by people like Bellia, whom we met in part one of this blog series, and many other low-income and hardworking individuals.
“People get loans at the bank. But certainly the bank is not accessible to everyone. At the bank there are a lot of difficulties in giving a loan to someone. They will ask you what other bank loans you have and if you have a house,” explained Vilbert Douilly, World Concern’s microcredit program director in Haiti. These requirements mean the poor are denied the opportunity to access and utilize credit. This is why microcredit remains an important poverty reduction tool in Haiti.
World Concern in Haiti has been using microcredit to empower and strengthen the poor working in the informal sector since 1990. With the support of donors, 31 staff members are currently able to serve 5,000 clients in five departments throughout the country.
This is no small task. It requires a sound training program, an effective model, and a strong network of local partners. If you have ever wondered what the process of implementing a microcredit program looks like, then you should enjoy this next bit.
How Microcredit Works
Identifying new clients
World Concern’s new microcredit clients in Haiti must meet the following criteria:
Possess a high level of need
Unable to qualify for a loan from a traditional bank
Currently operate an income generating activity (examples include selling food, household items, or clothes)
Since our goal is to reach those small business owners at the bottom of the economic ladder, it is important to take each of these three criteria into account when deciding whether or not to accept a new client. There is no rubric or measurement tool used when determining whether or not a person is in great need. These decisions are made on a situational basis and with the help of our local church and association partners and World Concern staff working in each community who know the individuals well.
Training
We want our clients to be encouraged and given all the resources they need to succeed. While a small loan can certainly help develop someone’s business, a high quality training can help develop the individual. This is an important investment and one that World Concern takes seriously. After all, we are interested in the transformation of the entire person not just their economic situation.
Each new client participates in three training sessions. The first is about nutrition and developing a balanced diet, the second teaches business skills, and the third focuses on using Biblical values in the marketplace. The training sessions provide our clients with practical skills they can use to improve their lives and businesses.
“The values we teach them include integrity because we are going to give them a loan,” said Mr. Douilly. “We can take verses and texts from the Bible to talk about the importance of integrity and morality.”
We have found that Biblical values can play an important role in improving clients understanding of scripture as well as how these values can help them operate a successful business.
Microcredit model
There is more than one way to implement a microcredit program. Each context has unique challenges that need to be considered. World Concern has developed three methods for providing loans to clients that are effective in Haiti. These methods are Individual, Solidarity groups, and Village Bank groups.
Although World Concern does offer loans to individuals, many of our clients join one of two groups; a Solidarity Group or a Village Bank Group. These group methods have been a part of the World Concern microcredit program since the beginning. A group receives one large loan and the loan is then divided among each client – sort of like a mini credit union.
Aside from simply sharing a loan, group members have the opportunity to support and encourage each other. The Solidarity and Village Bank groups help provide clients with a sense of community, which is important when trying to run your own small business.
“We meet every Thursday to share ideas and give advice,” said Bellia, a mother of two and member of a Solidarity Group.
Interest Rates
You can see from the infographic that interest rates are kept low enough that clients can afford to pay them, while still allowing the program to continue. The traditional banking system is simply not an option for the poor in Haiti who lack assets. Aside from banks, another form of accessing credit is through local loan sharks. But interest rates through a loan shark are astronomical and also not a viable option for the poor.
According to Jean Rico Louissaint, World Concern’s Microcredit Coordinator for the northwest department in Haiti, loan sharks charge borrowers at least five times the interest rate World Concern offers. High interest rates such as this only trap people in poverty and are hardly fair. Our program aims to provide a different solution; one that actually works for the poor, not against them.
Local Partners
Essential to our microcredit program is our network of local partners. These include churches and local associations. “The associations and local churches help us identify new clients, especially those that are vulnerable in the community,” explains Mr. Douilly. “The church knows that we give loans so they often ask us to present the microcredit program to their congregation. After this presentation they send us a list of people who are doing business in the church and are interested in receiving a loan.”
Many clients who come to World Concern through a local partner form a Village Bank group. The infographic above highlights this. This allows small business owners in the same area to take out a joint loan together and support each other.
Collaboration is an important aspect of any development program. We are very thankful for our local partners and their assistance in providing opportunity to small business owners throughout Haiti.
It is exciting to see how microcredit can help provide opportunity to people operating a small enterprise and otherwise have no feasible credit option.
In part three of this blog series we will look at what makes World Concern’s microcredit program unique and our vision for the future.
This is part one in a three part blog series exploring World Concern’s microcredit program in Haiti. Consider this a little ‘behind the scenes’ look at how your generosity is used to provide real opportunities for Haitian small business owners. The aim of this series is to provide you with a deeper understanding of how microcredit actually works in this context. I will share about our history with microcredit in Haiti, describe the model we use to implement this program, and introduce you to some special people along the way. I hope you will be encouraged and learn something new! Please keep visiting the World Concern blog in the coming days for part two and three.
Economist Muhammad Yunus, the ‘father’ of microcredit, is quoted as saying, “But we have created a society that does not allow opportunities for those people to take care of themselves because we have denied them those opportunities.”
One thing I have seen even in my short time in Haiti thus far is that people want to take care of themselves. If you ask someone what they hope for their future a common response is, “I want to earn an income so that I can provide for my family and live a better life.” I have heard this both in Port-au-Prince and in the countryside.
The idea that the poor are content with waiting around for the next handout is inaccurate. Although I do not hear this specific word used in discussions with Haitians, the generally vibe is that people just want an opportunity. A fair shot. A lack of opportunity is a particularly harsh form of poverty because it acts as a trap.
Microcredit is one development tool that aims to offer an equitable solution to this injustice. What is microcredit? According to the Virtual Library on Microcredit, the definition of microcredit (adopted at the 1997 Microcredit Summit) says microcredit programs “extend small loans to very poor people for self-employment projects that generate income, allowing them to care for themselves and their families.”
Here in Haiti, World Concern has been using microcredit to help people care for themselves since 1990. Over the past 23 years our microcredit program has experienced lots of growth. Currently a local staff of 31 serves 5,000 clients in five Departments across the country.
“Our goal is to see clients work with us and then become independent. They are independent when they can come to us and explain their situation and show how their business has grown. They also need to show that they can work with the stock of merchandise they have,” explains Vilbert Douilly, World Concern’s microcredit Director in Haiti.
Bellia is one microcredit client that is working on building her business. Since 1997 Bellia has been selling clothing and accessories at the market in Saint Louis du Nord in North West Haiti. She said, “I use the loans to buy more products and grow my business.”
With the income Bellia earns she is able to provide for her family. She has two children who are both in school. Bellia proudly shared about another important purchase she recently made. “I was able to buy land. I want to build a house on it so I don’t have to pay high rent.”
There are many other vendors at the market in Saint Louis du Nord, some who are also selling clothing and accessories. When asked how she has stayed competitive over the years she said, “With my wisdom. I smile and offer a good price.” With a smile like this, how can she go wrong?
In Haiti, World Concern’s microcredit clients are primarily women, like Bellia. Why is this? Mr. Douilly explains that “Women often care more about their activity. When they come and take a loan they want to pay it back more than men.”
Also, women are generally more likely to be engaged in a small income generating activity. If you were to visit a market in Haiti, you would see that the majority of vendors are women.
Bellia serves an example of how microcredit can provide opportunity. She is one of 5,000 people currently being empowered through our program.
In part two of this blog series we will look at more of the ‘nuts and bolts’ of World Concern’s microcredit program in Haiti. What does the process look like? What trainings are new clients given? So stay tuned!
World Concern makes providing clean water to communities that lack this life-saving resource a top priority. Recently, we visited the Southeast Department of Haiti and saw the direct link between disasters and the need for clean water.
We joined Bunet, World Concern’s Disaster Risk Reduction Coordinator, on this trip to Grand Gosier to see how we are providing clean water and preparing communities for future disasters.
Grand Gosier is a rather isolated commune (cluster of communities), near the sea and the Dominican Republic border. One reason it is so isolated is because of the poor condition of the road that leads to it. From Jacmel, the big city in Southeast Haiti, you must travel approximately 84 kilometers east to reach Grand Gosier.
Those 84 kilometers took us over four hours.
While crawling at a snail’s pace can be exhausting, the views are stunning. This is one contrast I noticed on the trip–poor infrastructure yet stunning natural beauty.
Once we arrived in Grand Gosier, we caught up with Pierre, the coordinator for the project in this commune. He explained that the water system for the area had been damaged by a storm in 2007. Since then, those not fortunate to live close to the water source have been forced to spend a lot of time and energy walking to reach water. Even while we were visiting with Pierre, children and women walked past us carrying water. All kinds of jugs, bottles, and containers are used to transport water.
Occasionally we saw someone guiding a donkey, loaded down with water, but the majority of people were walking. It was early afternoon, and limited cloud cover meant it was a hot and dusty journey for them.
Soon, those long journeys will not be necessary. Once finished, the project will provide nine water collection points throughout the commune which will shorten the walk to water for many.
As we were listening to Pierre speak about the project, I wondered what precautions were being taken to ensure that this time the water system will be more resilient to withstand the next storm. Hurricanes and heavy storms are all too common in Southeast Haiti. Hurricanes Isaac and Sandy in 2012 are the most recent reminders of the devastation such storms can cause. Combined, these two storms killed 87 and affected 205,623 people. We cannot stop the rains and winds from coming, however we can be sure that communities are prepared as best as possible.
Pierre explained that the prior water system had used PVC for the piping, but his team is working to replace all the PVC with metal pipes. Though a seemingly small step, using metal will be a huge step towards increasing the system’s – and the community’s – resiliency.
When the repairs and construction are completed, this water system will provide clean water to people, whatever storms come their way.
You can help protect families and their resources from future disasters. Donate today.
As I visited our work in villages in Laos with my wife, I was reminded more clearly than ever that basic hygiene and sanitation just doesn’t exist in some places in the world.
In the village of Dak Euy, we saw children barely old enough to walk relieving themselves right in the middle of the village.
Human beings should not have to live like this. It’s not just a matter of dignity. For these villagers, this lack of hygiene and sanitation is killing them.
You and I know how to prevent disease, but people who live in poor and marginalized villages have not yet heard. They don’t know to use toilets – or to at least isolate where they go to the bathroom or wash their hands.
What they are very familiar with, however, is disease, illness and death.
It is common for kids to die before they reach their fifth birthday in Dak Euy and the surrounding villages. Conservatively, through our interviews, I estimate at least 10% of children don’t reach the age of five. This is 17 times higher than the child mortality rate in the U.S.
By another estimate, half of the children are, dying before age five. It is no wonder that in these tribal communities, children are not immediately named, and that repeatedly throughout our trip, we met mothers who have lost children. As the father of a healthy, silly, 4-year-old girl, it hurts to even begin to imagine their pain.
Malaria, typhoid, dysentery – these preventable diseases all plague villagers – and especially hit the most vulnerable people the worst: children born into unclean environments, with little food, no clean water, and fragile immune systems.
Poor sanitation and accompanying water-borne disease is one of the worst health problems in the world. It is undoubtedly one of the primary killers of these kids.
With no sanitation, the cycle of sickness repeats itself over and over again.
As a hardy world traveler, I pride myself on never getting sick. But on this trip, I ended my stint in SE Asia with a flat-on-my-back, gotta-be-near-the bathroom, upset stomach yuck fest. I did not want to do anything but read a book, go to sleep, and stay near the bathroom. And I was clutching my stomach in a hotel room in Bangkok, not on the dirty, hard floor of a hut with no bathroom at all.
I cannot imagine dealing with that kind of discomfort, and far worse, for much of my life. I shudder to think about what that would do to me both physically and mentally, to have this occur over and over again. But this is daily life for so many villagers in Dak Euy, and many other struggling communities.
I am glad to say that our supporters (that’s you!) are helping villagers get beyond this cycle of disease.
While I was visiting our villages, our contracted drilling truck arrived and we hit water for a new well in Dak Din. It was incredible, one of the most exciting moments of my life! Just imagine the transformative power of clean, convenient water. We are also teaching villagers about hygiene (thank God!), and doing it in a way that it will stick.
We will be constructing latrines in these communities, with the help of the villagers. And because they are learning why and how, they can build more latrines once we leave. The idea with all of our work is for it to be transformational, not temporary. Our desire in these villages is for children to use a latrine, wash their hands – and stay healthy.
When I look at the ground in these villages, I am repelled that people and animals relieve themselves wherever they please. And yet I know by visiting developing communities, that life does get better. Disease subsides. And that’s what we’re shooting for in these villages in Laos.
Changing lives is working with people over time, revealing a better path – not just directing people to “our way.” In doing so, in loving people with sincerity, we show them a clearer look at the life God would want for any of us.