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.

Success Story: “Darkness is cured”

Success Story: “Darkness is cured”

Back in October 2012 I shared the success story of Hastings and Ruth Fuvu in Malawi. They had received a $150 Small Business Fund grant in early 2012, ramping up their business of selling tomatoes and onions in the market. This expanded business increased the family income enough to buy school uniforms for their children and seek medical attention for their daughter Miness, who experiences periodic seizures. The 2012 post ended with Fuvu’s dream to build a house of their own, using burnt bricks.

Malawi, bricks

Hastings and Ruth with bricks for their house. (2012)

Well, in July, 2014, I got to visit that new house! We sat in their home, listening to their story of how their lives have improved since growing their business: “We have wealthy relatives,” Ruth told us, “and they have never given to us, but SIA has given to us.”

This week I received another exciting update from Canaan Gondwe, the SIA Small Business Fund Coordinator in Manyamula: Hastings and Ruth have been able to connect to the new electrical grid.

Canaan reports:

“After making enough savings, they molded bricks, built a house and now they have electrified the house. One part of the building they are using it as a barbershop where they get the additional income. With the same power, they are renting to someone who is welding at the premises. This is an income diversification for the family.

The Fuvu home with electricity! A welder pays to tap into the electricity. Welding has been only available with generators before the grid came to the village.

The Fuvu home with electricity! A welder pays to tap into the electricity. Welding has been only available with generators before the grid came to the village.

“The family was quick to tell me that very soon they are Sharing the Gift by assisting one person to begin as they began.

“Life is new because they no longer go for fuel to light up their house. Life is made easy as darkness is simply cured up with pressing the ‘on’ switch in the house.

Imagine such a difference in just three years! This $150 small grant is continuing to pay amazing dividends to the Fuvus and others in the community.

Malawi, house, home

Tanya in front of the guest room of the Fuvu family’s new home. They invited me to “take a sleep” at their house next time we visit!

“Life has improved”: Updates from Kenya Small Business Fund

“Life has improved”: Updates from Kenya Small Business Fund

Wambui is the local coordinator in Nairobi, Kenya. We spent a week together in July 2014 evaluating and improving our Small Business Fund program.

Exciting updates! Just yesterday I received a whole packet of business reports and new business plans from the latest 10 Small Business Fund grant recipients in the Korogocho area of Nairobi, Kenya. It’s thrilling to see our investment (in the form of small grants) making a positive impact in so many families!

Below are 3 updates from Wambui Nguyo, our Nairobi local coordinator, about groups that received their initial grants in September, and 2 profiles about groups that are just beginning this month:


God’s Favour Group – Tailoring Services

These are a group of friends and are still keeping the business strong. They bought a new sewing machine and added to their stock. Carolyne said they are able to pay school fees, eat better, and pay rent from their profits. Judy, who had taken her kids to stay with her mother in the village, said she will bring them back because life has improved. Alfayo, who is in high school can pay his school fees and meet his other needs.

Playstation Group – Video Game Cafe

Wako, age 17, the leader is so hard working. He bought a new game terminal for the Playstation. The other Small Business Fund women in the area (who would be Wako’s mum’s age) are so pleased with him. He is not engaged in drugs or alcohol like most of his peers. They are orphaned and Wako does care for his 6 siblings and takes care of them. Josephine [a leader in the community and a mentor/trainer in the SBF groups] adds that he was able to pay the exam fees for his siblings who are at Josephine’s school in the slum.

Imarisha Maisha Group – Grain Shop

Sarah the group leader could afford a smile. She no longer goes to Josephine to beg for some food for her and family. She is able to pay her rent and has not been locked out [because of non-payment] so far. She bought cereals [rice, beans, barley] with her grant and still sells by the roadside and at times takes them around to people to buy. She has the plan of adding plastic stuff like buckets and soap to add to her stock. [Tanya’s note: I wrote 2 weeks ago about how SIA Small Business Fund is specifically designed to get people out of cycles of begging. It’s so good to hear these stories of the grants doing just that!]


Josephine shows Tanya and Wambui the pot of beans cooking for the lunch meal for students at her school.

Josephine shows Tanya and Wambui the pot of beans cooking for the lunch meal for students at her school.

New Business Grants in Korogocho, Kenya

Wambui and Josephine met with five new groups on the February 26th, explaining about SIA and what is expected of them as they received their initial $100 grants. Here are profiles of two of the new groups:

Ebenezer Shop and Cafe

Pamela Anyango, the group leader, has a small shop and sells items like tissues, diapers and also cooks githeri (a dish of beans and corn) by the roadside. Her husband, Misael, is unemployed and looks for casual work. If in any particular day he does not succeed, he comes to help Pamela. Most of the time they rely on this small shop for the family income. With the grant, they will start cooking rice and sell it to school children over the lunch hour. She has done her research and feels this will be successful.

Mwangaza (Light) Shop and Cafe

Ann Ayuma is already in an existing business of cooking food from her house and taking it to the neighbouring town by motorcycle. She targets the construction workers over lunch hour. Her husband, George Mungai doesn’t have a permanent job – he works with a handcart to carry people’s luggage. With this grant Ann hope to get a place close to where she supplies food and add more foodstuffs. They have 5 children and 2 grandchildren in their care.


For more updates from Kenya:

Success Story: Fikani Bicycle Transporting Service

People hire bicycle ferries to ride across town (sitting on the back of the bikes) or carry goods like fertilizer and crops to/from market. The rough roads are hard on the tires.

People hire bicycle ferries to ride across town (sitting on the back of the bikes) or carry goods like fertilizer and crops to/from market. The rough roads are hard on the tires.

Business Members: Stanly Kumwenda (23), Janet Banda (20), Harry Kumwenda (child)
Product: Bicycle Transportation Services
Area served: Manyamula, Malawi
Received SIA grant: $100 on October 9, 2014
Profit after 3 months: $105

Stanly and Janet married young. His parents never had money for enough food or clothing for everyone. The newlyweds were eager to start a good life together and yet they faced many challenges. They came to Canaan Gondwe, Spirit in Action Small Business Fund (SBF) coordinator and mentor, for advice on building a more successful future for their family.

I kept on explaining about the God-given potential within us,” writes Canaan in his report on their progress. “I had series of talks, even citing some people in the village who had changed their situation for the better.” Stanly was an enthusiastic learner, eager to move forward and put what he was learning into action. Canaan talked to him about dreaming and visioning for the future, business research, getting focused, working hard, and also about “getting disciplined with any money that comes his way.”

Stanly, Janet, and other new grant recipients completing their business plans with the guidance of Canaan Gondwe (standing).

Stanly, Janet, and other new grant recipients completing their business plans with the guidance of Canaan Gondwe (standing).

Stanly likes bicycling and so Canaan told him about the Small Business Fund program and suggested that he start a transportation business to carry people and goods around the village on a bicycle. Stanly and Janet attended the official SBF Training sessions with Canaan and prepared a business plan together. When they received the first grant of $100, they went straight to buy their first bicycle.

Within three months of hard working, Stanly bought another “fairly used” bicycle to expand the business. He has recruited a friend to work for him – job creation! – and now two bicycles are on the road every day for the Fikani Bicycle Transporting Service.

Stanly happily reports an income of about $7.50-$12.50 each day! Canaan continues to mentor him about expanding the business and saving for the future. He is pleased with the family’s progress reporting that, “Stanly and the family are now food secure and are progressing well in life. They plan to buy iron roofing sheets and build a better house of their own soon.”

A step up with a small grant, dedication and hard work, and mentoring support all have helped Stanly and Janet build the life and business they had only dreamed was possible. A grateful Stanly writes that “God is gracious and faithful; I never expected such a turn around on my family.”

Rock on, Emmanuel!

Rock on, Emmanuel!
DSC04417

Emmanuel’s band bought their instruments with a Manyamula COMSIP Cooperative low-interest loan. They have since paid it back, after playing gigs around the village.

“Feel welcome, feel welcome!” The band – with keyboard, a drum kit, and a whole line of singers – sang us into the full meeting hall.  The music, the dancing, the warm smiles certainly made us feel very welcome. Boyd and I settled in to meet and share with the members of the Manyamula COMSIP Cooperative (formerly called the Manyamula Savings and Loans Group – MAVISALO) in rural Malawi.

“I  want to give a testimony of what this group has done for me.” The band leader, Emmanuel Cachari, declared.

DSC04386

Notice the “local looking” cymbal in the upper left corner of the photo.

“If you look closely at my musical instruments you will see that some look local and some look exotic. The ones that look local, that is my beginning.” Indeed, one of the cymbals on the drum kit was clearly a piece of pounded metal, with drilled holes to make the right kind of ringing sound.  The room filled with applause, celebrating just how far the group had come.

They band had been playing gigs at weddings and other celebrations, earning about $10 US Dollars per show. But their “local looking” instruments left something to be desired.

Then, Canaan Gondwe, the leader of the Manyamula COMSIP Cooperative (which has received several SIA Community Grants) invited them to join the Cooperative. The band used the Cooperative as a place to save their earnings. Soon, they were able to receive a low-interest loan of about $280 to buy the “exotic” keyboard and drums. The change in quality of their instruments helped them secure even more gigs and now they have saved over $1,000 in earnings, even after paying back the loan.

The key to business is “hard work and focus,” Emmanuel confirmed to us. And the Manyamula COMSIP Cooperative is a way for people to be able to expand their businesses and succeed through their hard work  – just as he did. “I hope many of us will change for the better,” he said of his 165 fellow Cooperative members.

Emmanuel finished his testimony by sharing a big dream with us: “I hope, in time, we will be visiting you in the U.S.” he said, as the room erupted with cheers and whistles of support. We look forward to rocking out with this band again soon!

More stories about the Manyamula COMSIP Cooperative:

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