Thursday, November 19, 2009

My first experience in Guatemala with Namaste-Direct.org

Thursday, November 19, 2009

Day Four of my amazing journey in Guatemala. I landed on Sunday night and have been in awe since. From the humble but delicious food, to the sweeping landscapes, to the warm and welcoming people.

Namaste-Direct is a micro-financing institution providing business education and advice to rural women in Guatemala. Less than 30% of the women can read or write and the typical woman has little if any education. It's no wonder the difference Namaste-Direct is making a huge difference in these women's lives by giving them money to start their own businesses. 

Last night we kicked of the third annual 'Conferencia de 100 Mujeres Empresa'. Almost 100 women attended. They are  from all over the country. They are proud and they are beautiful. Today and tomorrow the women are taking classes on technology (learning what internet is and how powerful it can be), how to immunize and care for animals like chickens and cows, how to network with other women in business, and a special class for the business advisors who provide personal mentorship for the client, complete a monthly cash flow of the businesses, and provide on-call support for the clients.

Namaste was started five years ago by Bob Graham in San Francisco, CA and has been running strong ever since. Kristin Houk, one of my dear friends, is leading this incredible non-profit organization with the help of her team in Guatemala. So far over 4000 women have received a loan and education through Namaste direct. 

I have toured Antigua and all its wonders, I have toured a coffee finca that provides school and work for 60 families and the beans for your starbuck's coffee, I have eaten the best tamales in the world, and I have taken a boat across a volcano to Panajachel. But the most amazing experience I have had is with the women of Guatemala. They work day in and out with babies on their backs to sustain their families with so little, yet they have the most giving hearts and are happy and proud of their culture, their land, their life.

Stay tuned for some photos...

Thank you Namaste for giving me this gift, this experience to make a difference in these women's lives.

www.namaste-direct.org
 
Emilia D'Anzica

Tuesday, May 5, 2009

Patrick's Journal from Guatemala

April 1, 2009

5:15 Central time
- Arrived in Houston, very overcast, kind of humid, looking out while landing.
- It is amazing how FLAT Texas is! You can see all the major cities just on the horizons!
- Mr. Lance had tickets to the Presidential Club. It was very crowded and snooty, not very kid friendly. We could not find a place to sit or anything filling to eat. So we grabbed some snacks and coffee and left in search of nourishment!
- We found a Ruby’s Diner to eat, and promptly divided up the tables 5 and 5 - the healthy and the quarantined. (Giorgiani, Addi, Christina, Fiona and I)
- Christina and I both ordered a Chinese chicken salad. When it arrived, we realized we should have just shared. Everything really IS big in Texas!
- Plane flight from Houston to Guatemala City filled with trashy magazine reading and MASH games.

9:15 Guatemala Time (1 hour ahead of San Mateo)
- Descending into Guatemala City, it is crazy to see how modern and illuminated it is. Looks just like flying in back home!
- The atmosphere is very nice, cool, humid inside, much nicer outside.
- I’m having a little trouble breathing; Victor says it must be the altitude.
- I’m going to feel like more of a giant than ever. The ceiling heights are SO LOW!!!!
- Customs and Luggage is quick and easy. :)
- Met Kristen and piled into a van to travel a few blocks to our inn, the streets looked very clean.
-We turned the corner into a dark alley and came across two men holding two VERY LARGE SHOTGUNS! All of our hearts skipped a beat, I think. Turns out they are on our side. *Whew!*
-Kristen explains that there has been some violence in Guatemala City recently. Related to recent narcotics bust, there has been some killing on red buses. She assures us that the incidents are not occurring we are going and we will be traveling in private vans and will have security with us. Feeling pretty safe so far, never felt in any danger the whole trip.
- Bed and breakfast is very cute, cozy. Looking forward to tomorrow after debriefing.

April 2, 2009

-Addi woke everyone up at 5:45 in the morning, Guatemala time! (4:45am San Mateo time!)
- Crazy bird sounds today, we are all trying to figure out what type of bird it is.
- Weather is very nice, clear. A bit too cold for Malini.
- Shower is very nice; facilities are not bad, pretty moderate.
- After a nice breakfast of fruit and toast, INTENSE game of Hearts started. Malini and I, the beginners, did surprisingly well!
- The group then left Guatemala City to head towards some villages and the Namaste office in Antigua.
- The city is pretty modernized; everything is made of mortar and metal.
- We drove by many of the red buses that were being attacked recently. Kind of like the BART transportation at home. Kind of scary.
- We saw the BIGGEST McDonalds, Burger King, and Chuck E. Cheeses here! They’re HUGE!
- Lots of people driving, walking around doing their daily thing. Dresses vary from traditional to casual.
- Drove up into the hills to visit the small village of San Mateo, the same name of the town we're from. :)
- Met with Nelly and Jim, two Namaste employees, who gave us a tour of the town and introduced us to Domingo, a Business Advisor for the local women who receive microcredit.
- Got to visit a local woman who Domingo advised. She had 5 children and was a string bean farmer.
- Fiona got the best picture of Addi communicating with one of the little girls.
- Kristen stressed the importance of not taking too many pictures; we didn’t want to make the women feel exploited.
- Drove from San Mateo to Antigua to the NamasteDirect office, climbed to roof for great view.
- Had sandwiches for lunch and had big discussion for how microloans work.
- The group then drove into Antigua and visited a community center for local women, got to see them in action learning how to sew, make cakes, pizza dough. Malini, Fiona and Jackie got involved and kneaded dough.
- All chilled in the back rooms and outside on the lawn in the sun
- One of the donors who traveled with us that day came and offered us tortillas from street vendors, which we happily devoured. Unfortunately, Kristin came and gave us a big lecture on the importance of not eating street food, scared the CRAP out of us, that we were all going to get sick. Luckily, no one was ill.
- Had yummy yummy ice cream at Marco Polo in downtown Antigua.
- Arrived at Black Cat Inn in downtown Antigua, a hostel for college students traveling in Guatemala.
- Smelly, small, rooms and facilities, but other than that, a very fun time spent with college students from across the world.
- Played cards with Matias, who was born in Argentina and now lives in Israel, who was visiting Guatemala, very nice guy. His next big trip is to New York City.
- A little bit later, Jared filled in the forth spot for Hearts, a friendly funny guy from Virginia. Had a great time playing while waiting for Kristin, James to come back from the office, ended exactly at 6:00 PM after he foiled my attempt to shoot the moon on the last card!
- Went on a nighttime walking tour of churches, lit up at night and being prepared for Semana Santa (the Holy Week).
- Ate dinner at Cafe Skye, fancy restaurant on balcony, huge menu selection. I went with the BBQ chicken, because the BBQ sauce is SO different here, little more spice and natural sweetness.
- The group recognized the music playing as Simon and Garfunkel and -get this- a techno remix of Smells Like Teen Spirit.
- At about 9:00, the group walked back to the hostel. Even though it was pitch black down narrow, empty streets, we never ONCE felt in danger. Very safe.
- Once back into the hostel, the music was VERY loud y muy borrachos! (Many drunks!)
- The entire group came together to play cards with two decks, lotta fun!
- As the group went to bed, Jared showed up again to slap into an intense game of Egyptian War.
- Fun way to end the night.

April 3, 2009

- Couldn’t sleep most of the night with the mosquitoes buzzing around me! Scary!
- While waiting for everyone to pack up, another Hearts game began. Mr. Lance got in on this one, and he really kicked my butt. :( He gave me the really mean cards.
- Black Cat Inn restaurant was probably the biggest, best breakfast on the trip. Christina, Jackie, Giorgiani and Emily all ordered pancakes, and had to cancel TWO orders due to their insane sizes!
- They played “Come On, Eileen” on the soundtrack! I had this feeling that they would, and if they didn’t, I’d have been really disappointed. Woohoo!
- Boarded the “sick bus” and tied the bags to the computer to travel out to rural villages and Panajachel.
- Big yummy breakfast + bouncy car ride = not fun. :P
- On the drive there, we passed numerous smoggy towns with mechanic shops back to back to back. It seems to be those places where you’re born into the job. Doesn’t look like there are too many educational opportunities or good health in these towns.
- Visited a woman and her family in their very rural town, she showed us her beautiful huipiles (traditional woven cloth) that she has been trying to sell.
- Apparently, Semana Santa is the best time to sell her goods, but for some reason, not as many people are buying them this year. (Shows that the global economic crisis is not only affecting just the big countries and cities!)
- The group offered to buy one, but the price was just way too much. Nelly told us that the workshops we visited yesterday were to teach people like her other skills that she could use to make money in the off-season.
- We visited another village that received microloans, this one made up of two families. The conditions seemed very poor, dusty, but the women seemed very happy and optimistic.
- The children were very shy, but this one cute girl was a total ham for the cameras. She loved to get her picture taken.
- We found a lonely turkey that was pining for its mate. Poor thing…everyone sympathized, lol.
- We traveled with a husband/wife business advisor team to the villages who spoke Spanish and the indigenous Mayan languages.
- After hours of driving, the restaurant we were going to for lunch had been CLOSED for a week! Augh! We ended up going to a very touristy, but very yummy, roadside restaurant.
- During lunch, Fiona had a very nice conversation with the husband/wife team. I could catch a bit of the conversation. They were very friendly, and often took in travelers who were visiting Guatemala in their rather large house.
- After a short drive, arrived at the Iximche Ruins, the remnants of an ancient city. The place was not as super famous, or super touristy, as Tikal, but it was a quiet, local spot. Very large spread out buildings and dirt mounds to climb, run around.
- The group reenacted the Soulja Boy on top of the huge temple, very embarrassing.
- Drew the attention of another group, a group of young adults from all over Central America who were part of an economic support group. The guard who was trying to get us to leave ended up taking pictures of the groups together.
- Drove high over the mountains and across gravely, mid-construction roads down to Panajachel and Lake Atitlan.
- We stayed at an AMAZING hotel! The best one on the trip. Like a tropical resort in the middle of a bustling city.
- We have been blowing through out funds, so we decided to order pizza and eat at the hotel instead of going out. Sat on the balcony walkways to have our feast.
- Intense Spoons tournament included everyone in the group, ended up with lots of funny quotes.
- We ended the night with a late night discussion on what we had seen today, and how our loans might help the people we met. Today was the end of the “official” microlending business on our trip.

April 4, 2009

- After a nice shower and breakfast, we walked to the closest bank to exchange American dollars to Guatemalan quetzales.
- Walked up the Panajachel streets to Crossroad Café, the BEST coffee in the world! The man who ran it was a Bay Area resident who moved down to Guatemala to be closer to the business.
- Shipped all across the world, even to the U.N.
- Was very devout, had a very inspiring life story and “live life to the fullest” philosophy.
- Had the best-iced mochas EVER, and got to visit his secret room in the back where he stored HUGE bags and bags of coffee from all over the world. He also had a gigantic grinding machine for cooking and making coffee. So delicious!
- Our next trip was to the Nature Reserve for Zip lining. We were planning on getting a ride for a tuktuk, the local method of travel (small motorized scooters with a backseat covered in canopy for passengers) When Kristen leaned out to hail a ride, a guy pulled over in his pickup truck and told us to hop in! We held up traffic and loaded all thirteen of us into the back for the REAL local way to travel.
- Arrived at the Reserve, and met a small group of boys all begging to sell us things. (Key chains, postcards, jewelry, etc.) This was a very touristy spot, so they hit up the foreigners there almost every day. It was very hard to say no to them.
- We had to convince both Giorgiani and Melissa to go on the zip line with us. After a bit, they finally gathered their courage and decided to try it.
- Hiked through miles of dense rainforest, guide called out monkeys for us to see, walked past coffee plants, and crossed rope bridges. Very Indiana Jones. ;)
- Slid down 8 zip lines across the jungle canopy, had the time of my life. Took pictures of everyone zip lining down. Fiona was very scared, almost ate it against a flat rock wall on the 5th one.
- Returned to Panajachel in truck to eat at a nice hotel next to the lake.
- In efforts not to get sick, Malini ordered the Immunity Booster shake, made of pineapple, ginger, and garlic. Tasted like drinking a pineapple chicken dinner. I helped her finish it, as it was pretty disgusting.
- We were planning on taking a boat across Lake Atitlan to the island of Santiago to visit another village, but there was not enough time. Instead we went to the coastal village of Santa Catalina, and spent the twilight time walking the streets.
- Got to watch the sun set behind the mountains on the boat ride back. Magnificent. Got some great photos.
- A volleyball game was going on between some local men, and Christina and Mr. Lance joined in. Both groups had a lot of fun watching the game.
- After frequent stops to stores and fabric stands, arrived at the hotel for some sandwiches for dinner and some massages from Malini for all of us.

April 5, 2009

- Woke up early to walk to Internet café with Kristen to use computer, buy pastries.
- Christina braided my hair and put it into a ponytail. Pictures were added to the feminina section.
- Hudson gathered all of our empty water bottles and remade Stonehenge in the middle of the hotel walkway. Quite impressive for a three year old.
- Took a VERY long car ride from Panjachel for Chichicastenango for the famous market. Fiona and I talked to Michelle about food for almost the entire time. :)
- Got caught in a huge traffic jam in the middle of the mountains. Trucks, buses, and tour cabs were stuck and honking, while the police guided us around a delivery truck that had broken down.
- Arrived in Chichi to walk a bit to market. It was incredibly important for us to stick together that day, as it was insanely crowded and we were easy targets for pickpockets.
- Rows and rows of stands, canopies, and tent villages selling everything you could possibly think of. I bought a mask, belt for Erin, cloth from an old woman who was walking around for my grandmother, wallet for my mother and a shirt for my dad.
- Had to barter to get a good deal for gifts. They raised the prices a lot for us because we were tourists, but I still felt really bad lowering the prices. I knew this was probably everyone’s primary source of making money.
- In the middle of the market was a great white church. The inside was full of incense and displays blending Christianity with the local Mayan religious customs.
- After hours of shopping, we met at the Hotel San Tomas for sandwich lunch and to wait for the others. The hotel was very touristy, had macaws and parrots on perches that squawked and talked to the visitors.
- One had crawled off its perch and camouflaged itself within the bushes. Very pretty. Got some great up close shots of it.
- We arrived in Antigua to find the roads completely blocked off for Semana Santa, and had to walk our luggage from the Namaste Office all the way downtown to the Black Cat Inn.
- We saw tons of alfombras artwork on the streets, and men dressed in purple and white ropes for the first procession for the week that night.
- The whole group cheered up when we had a delicious dinner at Las Palmas, a fancy restaurant across the street.
- By the time we got out, it was very late at night, and we were only able to catch the tail end of the procession. We watched the huge statues of Mary, Jesus, and angles file into the main church surrounded by a large brass band and a sea of people filling up the plaza.
- Spent the rest of the evening playing cards.

April 6, 2009

- Woke up even earlier in the morning to the haunting melody of a nightingale. I wish I could have remembered the tune.
- Started the day off with another yummy Black Cat breakfast.
- Drove from Antigua to the Volcano Pacaya for a day of hiking. The trail looked pretty daunting, so all the women except Jackie rented horses to ride on. I thought is was a tourist trap, but they only rented them for the hike up, and would walk the way down.
- The hike was BRUTAL! Hiked hill after hill through a dusty forest until we finally reached the lava plain beneath the volcano. Looked exactly like the surface of some distant planet.
- The horses stopped a safe distance away from the bottom of a ravine. We could see huge dust clouds kicking up when red-hot rocks would tumble down the hill. And we were climbing up there!
- Crawled up a nearly vertical slope of crumbling, loose rock to the near summit of a hill. We weren’t going up to the very summit, but up a pretty high hill, with a flowing river of lava at the top!
- Unfortunately, Christina, Addi, and Giorgiani did not make it all the way up, but everyone else got the magnificent experience of standing about 20 ft. away from molten rock! Awesome!
- Our lunch eaten, water bottles drained, and already hot and aching, we hiked all the way pack to the base camp, miserable, thirsty, tired, and we could not stop until we reached the end. Once we downed bottle after bottle of water, every member of the group slept the whole way back.
- The whole car woke with a start as we passed the Semana Santa procession just beginning with a huge drum! Within thirty seconds, we all had our cameras out. :)
- Huge statues of Jesus, Mary, and other saints carried by men dressed like Roman soldiers, large brass bands, and devout followers marched down the street, right over all the beautiful alfombra art. An amazing spectacle to see.
- Devoured pizza at the Namaste office, and took cold showers to clean up from the hike.
- After collecting everything, left for our last long car ride back to Guatemala City for the last night at Patricia’s.
- Mr. Lance introduced us to a fun new game called Psychiatrist, SO much fun to play with a large group, and watch Addi get all flustered.
- After a long, emotional reflection, the group stayed up late for one final fun night of cards.

Friday, April 24, 2009

Now Playing: Viral Action!

We have an exciting development here in Guatemala - we are starting to experience viral demand in our program. It happened in San Mateo, a village near Antigua, which we abandoned as a growth area last December.

You may remember how excited our crew was last August when we were introduced into the community by a local activist. Nelly and FAPE presented our program to more than 80 women in meetings of 50 and then 30. We thought that with a little recruiting we could soon have 100 borrowers. So FAPE put their two best loan supervisors plus a crew of loan officers to work going door to door.

Then our balloon lost air and what happened ... we only had 10 women sign up and take their first loan on September 16th. Meanwhile we had recruited two Business Advisers, Domingo and Sarita to serve the community, a more than slight bit of over staffing under the circumstances. So, as soon as we got our feet on the ground, we and FAPE instituted a Really Intense recruiting effort, including beating the bushes in the immediate countryside. That effort was the joint work of our four staff members plus an ample FAPE crew. The result was the launching of group two early in December with another 10 members. Given the intense recruiting efforts and the meager results, Nelly put a permanent stop to all recruiting and we all thought San Mateo would be a footnote to our early, misguided days.

Imagine the surprise when NG was called to come present the program at a self-organized meeting to be held in the village. Imagine the further surprise when one of the attendees, Gloria Marlene, a member of group two, told Nelly that she had been out recruiting new clients for us. Why? "Because my experience of the program had been so good, I wanted to go to my neighbors and explain how they could benefit!"

The result: Group 3 with 11 members funded last month. The cost of door to door recruiting? Nothing. The requirement for this Viral Action: a good program executed by good people in a way that the clients experience financial benefit.

We see something similar in the recruitment of business advisors. Initially these were recruited by the MFIs and then our staff came into play. Now 2 out of the 3 newest BAs came from the networks of existing advisers meaning this Viral Action now accounts for 3 of the 9 total. When we consider that we interviewed 33 likely candidates to get those 9, one can see how cost effective this can be as the BAs have shown that, generally, they know what is needed to do the job and are pretty good judges of a candidate's potential. Also before they put a candidate forward they have had discussions with the prospect about what a new hire can expect. Also the person then comes to the interview better informed and more motivated.

Bob

Wednesday, April 15, 2009

Back at Hillsdale

Hillsdale High is back from their adventures in Guatemala and would like to share a few memories from the trip with you. You can view the entire album here.

The Hillsdale Effect!

Domingo, a NamasteDirect Business Advisor, working with his clients

A Weaving Expert

At the Namaste Direct office


Visiting the Santo Domingo




Climbing Volcano Pacaya with Addison taking the "Taxi Natural" and the Ixemche Ruins

Friday, April 3, 2009

The Hillsdale Effect Checks In

After three hours and fifteen minutes of air time, we finally landed in Houston, Texas. After dinner at Ruby´s Diner, we boarded our final plane of the day to Guatemala City. We arrived in Guatemala City at around nine, and luckily everyone´s luggage made it here with us.
We are currently staying at Patricia´s Bed and Breakfast, located not to far from the airport. In fact, it kind of sounds like the airplanes might land on top of us, but the hotel is beautiful and very, very clean. After a breakfast of fresh fruit and french toast, we´re just hanging out until we go visit the Namaste office in Antigua today. The weather is beautiful!

Adios!
The Hillsdale Effect

Tuesday, March 24, 2009

Can you believe it?

Can you believe it? We are already in the end of March! Between the disbursement of loans, individual meetings, business education sessions, vocational training, donors visits, board field visits, and staff meetings in the five regions (Mazatenango, Suchitipequez, Quiche, Sacatepequez, and Chimaltenango) we have our hands full, so time really flies.

I will describe for you in the following paragraph our experience with the fourth component of our program: Vocational Training. If you remember, we have four components in the Namaste Business Development with Microcredit Program: the loan, a personal business mentor, business education, and vocational training.
On February 17th we held the Marketing Training in Mazatenango which is located in the western part of Guatemala, northwest of the capital.

We woke up at 3:00am in order to start driving 4:00am because James, Elvira and I needed to be in Belen at 8:30am. Belen, one of the rural areas on the coast of Guatemala, was the site of our first vocational training in Marketing in the Mazatenango region. A beautiful dawn was breaking as we left from Antigua. We met with 23 women on Monday and Tuesday and we discussed the 4 P’s of Marketing (Product, Price, Promotion, Place). They discussed the positive and negative attributes of their businesses. Well, dear reader, I have to confess it is not that easy to teach all of these concepts to our clients. Sometimes our clients tell us, “I do not need to promote my business because all my neighbors know about my business” or “I do not need to do promotion, there is no need and I can’t afford it” or “My business is not big enough to warrant promotion”. This is pretty much the idea that many our clients had we started the Marketing Training. After the 4 hour training, they confessed, “Well, I might need to promote and advertise “a little bit” so I can gain new clients” and “I probably can use this nice flyer to give people, so they will know about my business.” We are happy that our clients have realized that they may need to promote her product through flyers, customer service, keeping her business clean and tiny, and other good entrepreneurial practice, so she can gain new clients and raise her business.

On February 6th and March 18th, we held the Design and Colors Training and during these two days, we trained 17 women. This training was held in Tecpan.

It is a real adventure driving on a terrible road full of dust toward to our poor rural communities in our five regions, but seeing the beautiful landscape that Guatemala has; it really makes you forget that you are full of dust and struggling to drive on a bad road.

Well, that’s how we started the Tecpan training on March 18th - driving toward the Pachorotol community. We arrived in the meeting place, but no one else was there yet. The women were late to the training because they were carrying the water from the only water faucet in the entire community. I wondered how heavy that big container was that they were carrying on the top of their head. I was not brave enough to find out; I just observed them. The woman that you see in the picture below was the president of one of the Namaste groups that was participating in the training.
Finally, after all women finished carrying their water to their homes, we started around 9:30am, even though the training was supposed to start at 8:00am. 11 women were ready to learn and I know they really did not know exactly what they were to learn; but they were there eager to learn something new. After the welcome and presentation by each woman, the trainer asked them to draw some things they saw on the table. It was funny how they started giggling and chatting with each other when they were asked to draw a box with a glass and scarf that was on the table. Of course, they all ended up with a different interpretation of these things, which was the point of the exercise. We, as human beings see the same things, but each one of us has a peculiar and distinct point view of things. They all laughed about the different and funny drawings. After few more exercises, it was time to mix color, yes! Our clients have never had the chance to mix primary colors to create secondary colors. Even though they create beautiful and unique weavings, like guipiles that are very colorful (the guipil is the typical blouse that an indigenous woman wears), they have really never had the chance to learn how to formally mix color. The bottom line is that they are all natural artists and we are just providing new ideas for potential designs for their products. The women seemed very peaceful mixing the yellow with the blue and were amazed when they got green. They went on and on painting and enjoying that moment that they were supposed to discover when they were kids; but because of their destiny, they are discovering it only now. During this training, they created a list of potential new products that they can make which will generate income for themselves and for their families. In addition, they were making new designs for their current product which is the guipil. Finally, it was time to evaluate the training. I asked them to tell me one thing that they liked and did not like. They really could not tell me one negative thing. They said that they liked to paint and learn new designs and in addition, to come up with potential ideas for new products. They were satisfied with their time in the training and they want another one. Then the 11 women agreed that they want to learn how to make a belt that is made with ribbons. This belt is very fashionable, so this new product can be sold quickly and it does not take too much time to create it. The group planned to have the ribbon belt training on June 2nd. So; my loyal reader, our great supporter and Namaste family, if you are in town and want to learn how to make a ribbon belt with our clients, you are more than welcome. And I will definitely keep posted with our progress when the time allows me to write you and thank you for your support and tell you that we are really making a difference. My next blog will tell you more in detail the ways in which we are making a difference with our business mentorship in this part of the world. Thank you for reading these blogs and for supporting Namaste!

Thursday, December 18, 2008

Finishing Up 2008

December 16th, 2008

It is sunny, the sky is so blue and beautiful, and James and I are wrapping up things before we leave for home. I am going to Ecuador and James is off to Philadelphia. We are also preparing the last general meeting with our business advisors on Wednesday afternoon. I am also looking forward to our Christmas dinner. You may remember that we were looking for business advisors (BAs) - now we have seven BAs. Yes, we have so much to tell you from our last blog. As they say in Spanish: Más tarde que nunca (better late than never)! I will summarize all our standout experiences in the field as our Christmas gifts for you, our loyal reader. Thank you for reading our stories.

We went to Quiche back on October. It was very special and we met with 26 indigenous women. These women speak K’iche. We had an interpreter who helped us to translate the conversations that we had from Spanish to K’iche and vice versa. Our partner in Quiche is CARE and this organization is also doing great things with our clients. The loan officers from CARE explained the program to the women. They liked the program but they really wanted to receive their loan right away. Then we organized a second meeting to give more clear examples about the program. We met with the BAs for Quiche, Jose and Mary, who taught the business education from Freedom from Hunger. The session is about using your loan for your business. All women were introduced to some new concepts: personal money, money from the business, separating the personal money from the business money. Their faces told me that these topics were new for them. After Jose taught a session in business education, he told the women: “Now, we will see how the business advisors can work with you. We are going to analyze a business.” Then he asked, “Who wants me to analyze her business?” After few minutes, a very small and cute lady told him: “Ok, I will do it”. She said, “My business is the kiosk that you see in front of the school. I sell fruit.” Jose asked her how much just the oranges cost and decided to simply analyze the orange sales portion of her business “la venta de naranjas”. He added up her costs and found out the cost of selling oranges is Q0.63 (~$.08) but she has been selling them for Q.50 (~$.05)! Everybody in the meeting hushed when they realized that the lady who volunteered to publicly analyze her business was selling at a loss. After that I told the women, with the help of the interpreters, that this situation is very common and please do not get discouraged. This is exactly the reason Namaste wants to offer an extra service - business mentorship. I asked the BAs to offer advice to the lady. Maria and Jose told her: you just need to raise the price and you will make a profit. The lady immediately reacted and said, well I can’t do that because my competition sells the oranges cheaper than I do.” We asked her, “Do you think that your competition has the same costs?” She said, “Well lets ask her because she is the meeting, too”. Then we turned to other lady and she said, “Yes I do have the same costs.” Everybody in the meeting was amazed and started chatting with each other and having excited conversations. The BAs told them, “You both need to raise the price of the oranges.” Both ladies said, “We can’t do it because people will not pay a higher price”. We asked the rest of women if they agreed that these ladies would need to raise the price in order to make some kind of profit. Everybody hesitated a little bit in the answer, but then they said, “Yes we will pay the price because they are losing money” After this intense discussion, BAs told them that this is basically the role of the business advisors of Namaste. The BA’s will offer good advice to help their clients make a profit in their businesses. Following this explanation all women in the meeting wanted to have an individual meeting with the BAs. The following day, we realized that the lady was selling the oranges for Q1 ($.13) and everybody was paying the increased price. This was one of the immediate changes that we have seen in the field and we are very happy to tell you that the lady is already making a profit on her business of selling fruit. Not only that, but the community is aware of this and they are willing to pay the price to make it happen. Now we have 38 women in Quiche, each one have has an individual meeting with their BA, and participated in the first business education meeting.

After Quiche, we went to Suchitepéquez, which is southwest of Guatemala. This is also in a rural area but it is on the Coast, whereas Quiche is located in the mountains, north of Guatemala City. We are working with RAIZ, one of Guatemala’s largest microfinance institutions. We hired two women to be our BAs in this region. Our BAs know the region very well and they are themselves leaders in this community. For this reason, we formed small groups very quickly. Right now we have about 54 women with loans and each of these 54 women have had an individual meeting and a business education session. Suchitepéquez has a very diverse mix of indigenous and ladino people. Most of women are ladino (ladino is a mix of Spaniard and indigenous people). The communities where we work are far away from the main towns. One day, I was visiting a community in Suchitepéquez where I had to cross wooden bridge in my car. This bridge was so scary. It feels like it is going to break down, especially when you are in the middle of this bridge, but luckily I survived the round trip. The communities are in remote areas, not very accessible by public transportation. But still, the Namaste team is able to reach the communities.

You probably are wondering how we are doing with the third region: Sacatepéquez, where San Mateo is located. Now we have 20 women with loans and business mentorship. We are not able to get more clients because there is a strong competition amongst microfinance institutions in this area. These institutions are giving credit away very easily and people are receiving loans that are rarely pre-qualified. Our program is very specific that the loan has to be used for the business. This proliferation of microfinance institution in the field is very intense and this makes the recruitment of new clients in this region very difficulty.

Besides all this field work, we have had other exciting activities in Guatemala. We had the wonderful conference and a great donor trip. The conference was a huge success. It was wonderful to put all these businesswomen together. They shared their information with each other, learned from the workshops, and made some international and local new friends. Our donors- perhaps you are one of them- are really amazing people. They are generous and they are incredible. Many of them told me that the experience of sharing with the borrowers is very special and they feel like they learned from each other. I was lucky to get to know some of them and I feel very honored to be with them during a few days of their trip. I really admire them; especially knowing they have taken time from their busy lives to get to know our clients’ worlds. I know everybody got something very special to keep and remember for many years to come.

That was my “brief” update of our activities. I hope you have enjoyed reading these blogs this year and from the bottom of our heart I wish you a Merry Christmas and Great New Year full of Happiness and Love for you and your family. Thank you for being a loyal reader and supporter.