“A partner who has walked with us side by side”

[Above: A video snippet of Canaan’s speech; with Winkly Mahowe interpreting into the local language.]

It was exactly a year ago that I was in Malawi and witnessing the amazing change happening in Manyamula Village. When I was there, Canaan Gondwe, who has been an honest and dedicated leader in his community, gave a wonderful welcome address to us and the gathered SIA friends. Imagine you are in a crowded, cinder block meeting room, the smell of dust outside, the music from the band and the clapping and singing are dying down. Over 100 of us settle ourselves in the plastic chairs and give our attention to Canaan:

Manyamula COMSIP Cooperative members sing a song of welcome. (Malawi, 2014)

Manyamula COMSIP Cooperative members sing a song of welcome to Tanya. (Malawi, 2014)

“On behalf of Traditional leaders, Area Development Committee, Government Staff present here, all Cooperative and Small Business Fund members and all people gathering in this room and on my own behalf, I feel greatly honored and excited to sincerely welcome Tanya Cothran (SIA Administrator) and Dr. Boyd Cothran (SIA Board Member) in Malawi and in particular here in Manyamula COMSIP (Community Savings and Investments Promotion) Cooperative, “where together we grow.” Feel free and feel at home in the warm heart of Africa (Malawi) to interact with each of us and hear remarkable stories of positive change in our lives.

The Manyamula COMSIP Cooperative Society, formerly known as MAVISALO, and the Small Business Fund project, supported by Spirit in Action, have played a critical social and economic role in enabling members to escape poverty and marginalization. I am saddened to recall and report the situation of our members before these institutions were established in this area:

  • About 80% had never used a bank
  • About 90% had poor housing infrastructure (houses that are grass thatched, houses that leak during rainy season, houses built of mud and with poor ventilation
  • Members of the cooperative had to travel 44km each direction to access commercial lending institutions with high interest rates, high demand of unaffordable collaterals, coupled by short period of loan repayments
  • About 60% of our people were food insecure; members could not afford fertilizer

I am extremely excited and pleased as a leader of the Cooperative and the Small Business Fund (SBF) that these programs can and have begun to reverse the above mentioned trend. Both the cooperative and SBF project have continued to post continued economic growth on its members from year to year.

Our members of the Cooperative and SBF project are entrepreneurs. The mobilized savings (shares), which currently are 4.8 million Malawian Kwacha [about $10,000 USD], form the capital base from which members borrow and engage in various forms of business: such as poultry, retail shops, irrigation farming, livestock production, baking, bicycle repair, shoe repairing, carpentry, tomato sales, fish marketing, transport, music shows, restaurants, pre-school, barber shops, photography, and winery sales among others.

COMSIP and Small Business Fund members in their meeting hall.

COMSIP and Small Business Fund members in their meeting hall.

Impact

I am extremely excited to openly expound the positive change and better life that members of the project enjoy:

  • All 167 members (with 47% women) have embraced a culture of savings and investment.
  • Members of the cooperatives and SBF have created self-employment
  • There is increased income and general economic empowerment at household level because of improved skills and experience in entrepreneurship
  • Better housing for 95% of cooperative and SBF members (Houses with burnt bricks and iron sheets)
  • Increased asset acquisition by members (eg. Motorcycles, bicycles, band equipment)
  • Improved health at household level (good nutrition); our members afford to go to private clinics and pay medical bills.
  • Members of the cooperative support their school-going children well (uniforms, fees, transport)
  • Improved food security amongst members.
  • A total of 20 members have either done electrical wiring of their houses or are completely connected to the power grid.
  • Increased cooperation among members
  • Reduced marital violations (including income abuse)

Support from Spirit in Action

Through and over the years of our operation in the Cooperative and Small Business Fund, Spirit in Action has been a true and faithful partner; a partner who has walked with us side by side on our growing of the institution. SIA has assisted the Cooperative with grants that have moved the organization to acquire relevant assets and projects like the maize mills, motorcycle, poultry project, camera, and a laptop.

Through its Small Business Fund project from 2004 to date, SIA has supported 102 families with business training and skills with $150 paid in two installments. Over and above, all traditional leaders, SBF and Cooperative members are grateful to SIA for these landmark projects.

Conclusion

The Manyamula COMSIP cooperative, as a rural-based economic vehicle, embarked on the journey to economic empowerment of its members. With the assistance of Spirit in Action, our true and faithful partner, the cooperative and SBF project want to achieve positive change in our members. Finally, I am pleased to report that the Manyamula COMSIP Cooperative, in a recent supervision missions by government officials and COMSIP Cooperative Union national leaders, has been rated a national model and a success story amongst all rural economic cooperative in the country. I believe SIA is very proud to be associated with such remarks. We believe that this partnership will grow even to greater heights in the future.

COMSIP sharp! [Cutting through poverty!]

SIA sharp!”

The band (who had also received a low-interest loan from the cooperative) played before the presentations.

The band (who had also received a low-interest loan from the cooperative) played before the presentations.

How do their lives change?

How do their lives change?

Last week I highlighted the 5 most common businesses that Small Business Fund (SBF) grant recipients typically start. The groups received $150 and are mentored over the course of a year. This week I received a batch of final One-Year Reports from our two SBF local coordinators in Uganda. These are shorter reports that check in to see how each business is doing one year after receiving with grant. The report also asks how the lives of the groups members have improved and what they have used their profits to buy. Again, the responses seem to fall in 5 categories. These are the 5 basic needs that families are empowered to meet after starting an SBF business:

SCHOOL FEES

Paying for school fees is by far the most common goal and use of SBF profits in Uganda. There is supposed to be free universal education in Uganda, but the public schools quickly fill their limited spaces and the families must pay for private schools. School fees for the average private school near Kasozi Village, Uganda are about $12 per term for each student (with 3 terms per year). This adds up quickly with many children and with the additional costs of uniforms and school supplies!

Yuba Robert and his extended family show  us their pottery, including a clay savings box. They have been able to pay for school fees, build a house, and pay for another person to plow their fields. Godfrey Matovu, local SBF coordinator is seated on the right.

Yuba Robert (right, standing) and his extended family show us their pottery, including a clay savings box. They have been able to pay for school fees, build a house, and pay for another person to plow their fields. Godfrey Matovu, local SBF coordinator, is seated on the right. (Uganda)

MEDICINE

Ziba and his wife Annie started a furniture business this year. The profit will help cover their medical bills and to feed their 6 children. (Malawi)

Ziba and his wife Annie started a furniture business this year. The profit will help cover their medical bills and to feed their 6 children. (Malawi)

IMPROVED HOUSING

Before…

House with a thatched roof and dirt floor in Uganda.

House with a thatched roof and dirt floor in Uganda.

During…

A new house in progress. We visited this potter in Uganda and they are slowly building the house that will also be a storefront. Bricks for the project are piled in the front yard.

A new house in progress. We visited this potter in Uganda. They are slowly building the house that will also have a storefront for their pottery. Bricks for the project are piled in the front yard.

After!

Completed brick house with a tin roof in Malawi! Kondwani started a business in photography and also selling vegetables. The family now has a solar panel and wiring for lights in his house. They are waiting for the electrification project to reach their neighborhood.

Completed brick house with a tin roof in Malawi! Kondwani’s family has both a photography and a retail vegetable business. The family now has a solar panel and wiring for lights in their house. They are waiting for the electrification project to reach their neighborhood.

More stories about improved housing:

BETTER DIET

The diet in Uganda is mostly ugali (maize meal, like a dense polenta), rice, and some vegetables such as kale, collards, and tomatoes. Improved diets means having enough food to eat and also adding animal protein, like this chicken dish.

The diet in Uganda is mostly ugali (maize meal, like a dense polenta), rice, and some vegetables such as kale, collards, and tomatoes. Improved diets means having enough food to eat and also adding animal protein, like this chicken dish.

FURNITURE

A new table for the the Phiri family! Other families are able to buy beds and other simple, yet profound, dignities.

A new table for the the Phiri family! Other business groups have been able to buy beds and couches – simple, yet profound, dignities.

What kind of businesses do people start?

What kind of businesses do people start?

One of the unique parts of our SIA Small Business Fund program is that groups can start the business of their choice. We do not choose a business for them. Before they receive the initial $100 grant, the new business groups work with the local coordinator to evaluate their strengths, interests, skills, and current assets to help them decide on a business. They also look at market demand in the area. Sometimes the families already have a business that needs an injection of cash for it to flourish.

Once they decide, the group then fills out a Business Plan worksheet, which outlines initial costs, on-going expenses, expected sales, and defined roles for each group member. So, what kinds of businesses do people start with their SIA grant?

ANIMAL HUSBANDRY (Chickens, pigs, goats, etc.)

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This family started their poultry business in 2014. They are saving to pay for school fees for their children. “I am proud of my business,” says the woman. Her husband wants to build a bigger pen to keep the chickens safe. (Uganda)

KIOSK RETAIL SHOPS

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Chimwemwe buys stock from the city and resells it in Manyamula Village. She sells soap, shampoo, snacks, cooking oil, and other small items. (Malawi)

FARMING

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Kondwani stands in front of the harvest of maize from his family’s farm. (Malawi)

POTTERY / HANDICRAFTS (Mat making, basket weaving, etc.)

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Members of a Small Business Fund group in Uganda demonstrate how they make pots. They are sold to people who use them for cooking and storing water. (Uganda).

SERVICES (Baking, cooking, hair braiding, photography, etc.)

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Meanly shows us a bucket of donuts. She sells in the markets and to the local World Vision training center. (Malawi)

Read more about our Small Business Fund, including our FAQs, here.

The Power of Hope

The Power of Hope

Finally! This week there was some great news about aid programs that really alleviate extreme poverty (less than $1.25/day). And – yay! – the programs with this long-term, positive impact are very similar to our Small Business Program. A recent multi-country study evaluated a program with range of interventions, including “cash to meet basic needs, training on how to earn a living, access to health services, and frequent check-ins from field workers.” In the same vein, our Small Business Fund provides business training, regular check-ins from our local coordinators, and start-up funds for a business of the group’s choosing.

Even a year after the program ended, the researchers found improvements in food security, women’s empowerment, and mental health. “But one of the most important effects of the approach,” the Christian Science Monitor article suggested, “could well be its tendency to spring participants from a mind-set that sees little or no hope of breaching the extreme-poverty ceiling.” The power of the program was that afterwards, people felt better about their future; they felt hopeful. And this, in turn, helps them continue to improve their lives.

"We began this work as if we were joking. Now it gives me joy." A Small Business Fund leader in Uganda makes clay pots and then sell them at nearby markets.

“We began this work as if we were joking. Now it gives me joy.” A Small Business Fund leader in Uganda makes clay pots and then sell them at nearby markets.

Del knew well the importance of self-esteem. It came across in our conversations and in the many letters he sent to me. “Within you is the power,” and “use what you already have and, step by step, uncover results that prove that we are greater than we realize,” he wrote. Perhaps we know from our own lives that money troubles can bring stress and make it even hard to get motivated to make a change. We can’t see beyond the immediate challenges or grasp the big picture.

On the other hand, as families in the Small Business Fund begin to see the great changes they have achieved through their own work, they get excited and hopeful. In part this hope comes from what Canaan Gondwe, Small Business Fund (SBF) Coordinator in Malawi, calls “mindset preparation.” He has on-going conversations with group members helping them mentally prepare to make these big changes in their lives, to seize their future, and to put in the many hours necessary to make their business successful. After three months in business, 84% of his groups report feeling better about their future.Our family has really moved from a minus to a plus,” one family proudly wrote.

When we were in Malawi, Theu, who had received a SBF grant to start a restaurant, testified that the business is growing and that he "has bought everything he needs." Other SBF Members in Malawi  cheer him on!

When we were in Malawi, Theu, who had received a SBF grant to start a restaurant, testified that the business was growing and that he “has bought everything he needs.” Other SBF Members cheer him on!

Even our Sharing the Gift initiative, where SBF families are encouraged to pay-it-forward to another family in need, is part of building self-esteem. I have written about how it gives the gift of giving. Groups that have gone through the program and have been successful get to help someone else. They see how far they have come and then there is the opportunity to bring others along with them.

Was I surprised that hope turned out to be a factor in alleviating poverty? Not for a second. Still, it is exciting to have confirmed what I already knew from our Small Business Fund – that encouraging people, meeting people with dignity, and helping them work to realize their own dreams is the way we’re going to make the world a better place for all.

Wisdom from Del: Co-creators with the Divine

Wisdom from Del: Co-creators with the Divine

“God will not do for us what we can do for ourselves.  We are not created as puppets to be manipulated and controlled.  The Holy One does not force us to make certain decisions or to take specific actions, but honors us as co-workers and gives us free will.

We are created as junior-partners, ambassadors, and co-creators with the Almighty.  The work is not complete until we fulfill God’s divine plan and destiny in our lives by expressing and manifesting “God’s kingdom here on earth as it is in heaven.”

As we pray, listen, hear and act, we receive the abundant life; all the good our Father/Mother God has already provided (created) for us, and whose “good pleasure it is to give us the kingdom.”

Let us fulfill God’s divine plan for us. Let us pray, listen and work, resting in the Holy One, waiting confidently and expectantly, alert and doing our part. Thus we discover that we are God’s answer to the needs of humankind.

It is our joy, privilege and responsibility to transform God’s dream for us into a working, living reality.

You are greater than you know. You are of more value to God than you believe possible.

Let us believe enough to act, to start now on a holy journey of love and faith, obeying our Lord Jesus’ commands, “Feed the hungry” and “Only believe (and act as though you believe) and you shall see the glory of God” manifested in and through you.”

Ruth shows us one of the mats she's made to sell. Before the Small Business Fund grant the family was just subsistence farming, now their farm has grown so that they have enough to sell. (Uganda)

Ruth shows us one of the mats she’s made to sell. Before the Small Business Fund grant the family was just subsistence farming, now their farm has grown so that they have enough to sell. (Uganda)

For more from Del Anderson, see Del’s Writings. Join the Del Anderson Legacy Circle by becoming a monthly/quarterly SIA supporter.

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