Showing posts with label micro-lending. Show all posts
Showing posts with label micro-lending. Show all posts

Wednesday, July 22, 2009

Muddy Casualties, Success Stories, and Bloody Bananas

We woke up early today just in time to see the century's last "full" solar eclipse from the rooftop terrace at our hotel, then rushed over to Grameen Bank to start our journey for our first Village visit. Six interns piled into a van, accompanied by our Grameen coordinator, Rafique, who also helped tremendously with translating all day as we talked to villagers. After a nail biting 3 hour ride from the city center to the rural outskirts, and stopping twice (once for directions and once just to see Rafique's long lost friend), we finally arrived at Amdala. We made it into the Branch Manager's office just in time to escape a torrential downpour outside (the first time we've actually seen it rain here even though it's technically their Monsoon season). We learned from the Branch Manager that he is in charge of 84 separate centers, made up of 623 groups, which are then made up of 2,925 total borrowers (people who have taken loans from Grameen Bank). We waited for the rain to let up a little bit then got back in the van for a little drive further down the road. When the van stopped we were all warned to be careful because the path we would be walking on was slippery and muddy because of the storm. As we began our walk to the village we began attracting curious children and adults alike, who began following us on our muddy trek. Half way through our walk one of the girls had already fallen in the mud (TWICE!), and another one had lost her flip flop as a result of a battle with a sticky puddle. When the one girl fell in the mud I had to do all I could not to laugh my butt off, especially because our journey wasn't over yet and bad karma would surely move my name right to the top on the list of following mud victims. However, one of the village children who had been following us started laughing and pointing at her as she lay helpless in the mud... I found this absolutely hilarious to say the least. This little girl and her adorable friend ended up staying by my side the entire visit, and by the time we left they were the first Bangladeshis that had captured a piece of my heart.
While we were walking, the General Manager turned around and told me "You are a very strong woman" which I think had something to do with the fact that I was one of the only people who hadn't faced any type of casualty with the mud so far. As we neared the village center we heard clapping and cheering, and it turned out that all of the women who were members of that village's Grameen branch were together in their meeting place welcoming us with a standing ovation! We were ushered into their meeting area, given seats up front facing the assembly of women, and the meeting promptly started. The women took turns depositing their money to the Branch Manager, who then counted their money and recorded it in their log. We were able to ask some of the women questions (How long have you been a member of Grameen Bank? Who was the first borrower from this group? What did you use your first loans for? Do all of your children go to school? etc.), and then they had a turn to ask us questions (Are you married? Where are you from? Are your parents still alive? How many siblings do you have? After university are you going to get a job or get married first? etc.).

Then we met the first borrower of the village (23 years ago!), we saw one of the houses that was built by a couple who had received a housing loan from Grameen, and met a "success couple" (or a man and woman who had successfully worked their way out of poverty through the microloans made possible by Grameen). It was all quite impressive to see the real life results of microlending.
As we made our way back to the van all of the villagers kept asking us in Bengali to come back to visit them (specifically after we were done with school and had jobs and were married). We learned to say "Acha, acha!" (a combination of "Yes" and "See you again soon" type of response) which they got a big kick out of. We made our way back (the path was a bit more dried out by this point), saying "Donobad" ("Thank you") over and over, so appreciative of their hospitality and willingness to share their lives with us.
We stopped at the General Manager's office again for a pit stop and a miniature banana break (complete with more tea of course). This was my first experience with quite an interesting phenomena of a "squat toilet". I have been finding great humor in so many of these experiences throughout the day, so of course I had to stop and laugh at the situation as soon as I saw it and thought about the logistics. After that ordeal I went to open the door but the sliding lock was stuck! Again, I laughed at the prospect of being stuck in a Bangladeshi squat toilet stall, but finally was able to slide the rusty lock over to get me out of there.

I went back to the main room, grabbed a mini banana, and then noticed the end was covered in blood. Gross! Then I realized it was my blood, and on further inspection saw I had sliced my finger open on the rusty lock in the bathroom. Probably the first thing every international travel guide book tells you NOT to do is to cut yourself with a rusty nail (or in this case, a lock). I tried to not make a big deal out of it but the General Manager was profusely apologetic and insisted on cleaning it up and putting a bandaid on it. It ended up throbbing a bit for the next hour or so, and I continued to think about how we take the small things for granted (like soap and water to wash a bloody finger). Glad I got my tetanus booster :)

Tomorrow we may get to meet (Nobel Peace Prize Winner) Professor Muhammad Yunus! It may just be a short photo op, but it would still be a great chance to be in the presence of someone who has created and propelled such an incredible movement of microlending around the world. To be continued!

Friday, July 17, 2009

Bangladesh Adventure: Communication Breakdown

Tomorrow is the first day of the next chapter of my life.

At 11:35pm I will be flying out of JFK to Dhaka, Bangladesh, with a short layover in Doha, Qatar. A day and a half later (Monday morning at 8:25am) I should arrive in Dhaka, where I will be picked up by the Grand Prince Hotel (3 stars for only $12/night!). After checking into the hotel I will make my way over to Grameen Bank, a micro-lending bank that won the Nobel Peace Prize in 2006 for reducing poverty in Bangladesh by 20%.

Side note: Grameen gives loans to individuals who use the money to work their way out of poverty (e.g., through small business operations), and then repay the money to the bank. The money can then be given in the form of another loan to another person in need, and the cycle of lending continues. Their default rate is 97% I believe, which means that 97% of all loans made by Grameen to the impoverished people of Bangladesh are repaid. Pretty incredible statistic considering that the majority of Bangladeshis live on less than $1 a day!

A few months ago I applied for a 3-week internship position at Grameen Bank so I could learn more about micro-lending in one of the most challenged developing countries in the world. I was excited to learn that my application was accepted, and I would have the opportunity to be part of such an accredited and productive organization. I booked my flight, went to the Bangladesh Consulate in New York City to get my visa (quite the adventure in itself), and started looking at hotels.

And then the communication breakdown began. All of my correspondence with Grameen Bank's Training Program has been through emails (including everything from my application to their acceptance offer). About two weeks ago I emailed Grameen just to re-confirm that I was actually coming to Bangladesh, and would be arriving on July 20th. No response. I emailed them again. No response, again. Hmph. I decided to call them (maybe they got washed away in a cyclone or something? this is their rainy season). On two different occasions I called three different numbers and no one picked up...

So, I am off to Bangladesh tomorrow to do an internship at an organization that may or may not even be expecting me. I figure there are three possible outcomes:

1. I get to Grameen, they do know I am supposed to be there, and everything goes smoothly.
2. I get to Grameen, they have no idea I am supposed to be there, but make the most out of an extra person there to help and my internship continues unscathed.
3. I get to Grameen, they have no idea I am supposed to be there, and turn me away (can't see them turning away free help, but weirder things have happened).

No matter what ends up happening, it will be my final decision whether I stay in Dhaka for the entire three weeks. I have repeatedly assured my family and friends (and will continue until I get on the plane tomorrow night), that if I get to Dhaka and things are "not okay" I will simply consider it a learning experience, and continue the adventure in a different location (Nepal? Bhutan? Thailand?).

Until then, wish me luck!