Microloans

a village in Senegal

Life in a rural village in Senegal is challenging. There never seems to be enough food, enough water, even enough time, especially for women. Women have millet to grind, water to fetch, babies to nurse, and always many mouths to feed. The majority of the men are small farmers and that is always a risky business in an area where the rains come intermittently and sometimes not all. As a result of all these conditions, many of the men of the village are forced to go to larger towns looking for work, usually with little success. Some of these men will end up with new wives and children to support in the town, making a bad problem worse.

Since it's beginning , Andando has been looking at ways to improve life in the local village, ways to give people a hope and a future right where they are. That is why we have focussed on micro lending and farmer loans as ways to encourage people to stay in their villages and build stronger famiies in the process.

Keur Soce is a village where Andando has been working for about three years. We began work there with a church partner, Doxology. On our first visit we met with the local chief and had some great discussions about the needs of the village which resulted in some aid to the school. the drilling of two wells, installation of two neighborhood taps and help with starting a huge market garden. As the relationship has grown, Andando has targeted Keur Soce for the newest round of micro loans and in March we distributed 45 loans in Keur Soce. These loans average about $100 and are for projects such as a small shop, a hairdresser even a small restaurant.

Dibe Diouf is one of the loan recipients. In order to supplement their meager income from farming, Dibe used to go out in to the bush to find wild fruit which she would then take to sell in the nearest town. This was sometimes difficult and dangerous. She did not know when she might encounter wild animals and snakes. With her micro loan, Dibe has opened a small shop where she sells sugar,rice and oil, things that people used to have to travel further to buy. Dibe's family will all benefit from this new venture.

Andando is currently raising funds to help the farmers of Keur Soce get 'seed' loans for this years' planting. The farmers will be able to get enough good quality seed for planting their fields. After they have sold their harvest, they pay back their loan with no interest. This method opens up a door of hope for farmers who were previously 'enslaved' by high interest loans which they had little hope of ever repaying.

These two projects are infusing the village of Keur Soce with hope! At Andando we too are hopeful as we walk together with friends there and look to a brighter future for the people of this village.

Loans

We've recently received some great reports about our micro loan program. Our amazing Senegalese director, Diegane Ndiaye is reporting 100% repayment on the last round of loans!
All of these funds have been recycled and are back out in the community again. Diegane is a huge reason for this success rate. His commitment and dedication to this project is impressive- he manages all of this on a volunteer basis while holding down a full time job and raising a family. Thank you Diegane.

Another reason for the success of this program is that we make NO INTEREST loans. We have heard from several loan recipients that this is a huge blessing for them as previously they only ever had access to moneylenders who would chrage 25- 50% interest. This usually meant that the borrower was never going to be in a position to fully pay back what was owed and would continue in a cycle of debt. With an Andando loan they can establish some security for their families and make plans for the future.
Following are a few comments from some loan recipients-

The project allowed me to set up a little business with an oil press. I would buy peanuts and make oil to sell in the local markets. I made profits that allowed me to improve our family's diet and address key needs.
I thank Andando for allowing me to improve our living conditions.

With the loan I bought some livestock (sheep)that have recently given birth. I have sold some and have some more to rear. This project has transformed my life.

Diegane also reported that in one of the villages there was a young man who was facing difficulties. All the loan recipients got together to help him buy a sheep. Today he has paid back all the ladies and has his own sheep now to rear. This example of "walking together" is something to celebrate!

Thanks to all of you who are a part of making this micro loan project work. You are changing Lives!

Teaching Business in Africa

Recently, I had the privilege to teach business fundamentals to a bunch of African small business owners - a first for me. This was in a village way out in the boonies, and it was something that I was anticipating for some time. As you may know, Fiona and I were on the road for quite a while traveling all over Africa, so I had some time to plan this out. The challenge as it was presented to me was that these guys (and gals) - can't read, can't write, and they can't count. A rather challenging environment for business development ... It wasn't quite like that, they were really pretty sharp in their own culture, and I was pleased to find out they have all done well with their projects. In addition to the challenges, I had to work with a translator, as shown in the picture above

You see, these are the participants in our Andando micro loan program, and they've had a few months now to utilize these small loans for the purpose of making a living. My goal was to help them improve their business by teaching a fews key business points. It went well, except it was really hot inside this building, I mean like 100 degrees. It was a concrete building with a tin roof in the middle of the African bush, no air conditioning or power or water. It was also very humid, but they didn't seem to mind (I did!).

But I was delighted to hear their success stories and most of them are doing pretty well already. In fact they have paid back most of the micro loans already and we can now expand the program. It was a long day, and after an "African" lunch, where everyone sits on the ground and eats out of a communal bowl, we visited some farms nearby where some of the loan recipients work their land.

It was a great day, very hot, rather exhausting, but very rewarding - Kevin