SKI Charities

Archive for SKImfi – Page 3

What Women’s Empowerment Means to Me

Growing up, I was the firstborn girl in a family of five children and a victim of a patriarchal society in Zimbabwe. But I had to set a precedent. I vividly recall taking up menial jobs in the neighborhood to supplement my school fees—my father’s risky job and meager salary were not sufficient for our needs. Even still, I dreamed to acquire an education.

To me, empowerment means the ability to make decisions and influence, to have a strong self-perception, to have personal freedom, to have access to and control over resources and support from social networks. I have discovered that one of the greatest challenges to achieving empowerment is that most people still live with the mentality that certain tasks are better handled by men. It is rare to come across a female electrician, mechanic, bus driver, politician or engineer in Zimbabwe. People often assume that women are generally incompetent in certain fields of life. For example, when I wanted to volunteer my services to the incarcerated in my community, it took me a long time to get permission to work at a local prison since the government believe that women are too weak to work with prison inmates.

The only solution to this challenge is to be resistant towards criticism. Women must stop seeing their gender as a weakness. They must see it as strength, and prove themselves by striving to outperform their male opponents. They must be prepared to break through limiting traditions, and stick to what they believe in.

The other challenge women in Zimbabwe face is that of balancing work and family. Women lay the building blocks on which the family foundation is built. So working women usually find themselves torn between commitment to the family and their work. The best way to overcome this barrier is time management and delegation.

Women have a willingness to listen, patience to understand, strength to support and heart to care even though they have limited access to achieve what they want. Women must always know that gender, age, race, religion or personal beliefs are not criteria for success. What is important is to have a good plan and be determined to succeed, even in the face of failure. Women can change the world. Whenever the going gets tough, they must always feel inspired by T.D Jakes quote, “If you can’t figure out your purpose, figure out your passion, for passion will lead you into your purpose.”

33253486031_fbedd522d7_oBlogger Precious Ngwayarudza grew up in Chipinge, Zimbabwe and studied Psychology at Africa University. In 2015 she conducted a qualitative research: An exploration of the circumstances that led to elderly destitution and institutionalization at Zororai Old Peoples’ Home. She is a humanitarian who has volunteered her services to various vulnerable groups. Since 2012, she is volunteering at Zororai Old Peoples’ home by offering emotional support to the destitute elderly who stay there. She also volunteered at Mutare Farm prison in 2013 where she was involved in the rehabilitation and reconciliation of the incarcerated. In addition, she undertook an internship at Simukai Child Protection Centre where she offered psychosocial support to the street children.

Life After SKIC: What Our Veterans Are Up To

On the SKIC blog, we spend a lot of time talking about our new recruits—the women who have just decided to take on a SKIMFI microloan to transform their business, or maybe venture out to start a new business altogether. We’re always excited when new women join the program, but what about the women who used a microfinance loan to launch their career—and have since found the independence to move on from the program? We’ve got updates for you on five Chilean women who can now proudly call themselves SKIC veterans.

Valeria Caripan Cartes

Valeria expanded her clothing and pastry business to incorporate a wider variety of food items, and began generating more profit. She decided to continue growing alone, thanks to the knowledge and financial stability she gained through SKIC.

 

Bella Olave Barrigabella-olave-1

Bella always showed a spirit of achievement and commitment to business, which allowed her to raise significant capital. With the help of SKIC loans, she was able to invest in freezers to keep her seafood products cold. As she transitions into independence, she’s made her deep gratitude for SKIC’s support clear.

 

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Roxana Marihuen Pailalla

Roxana uses a traditional Mapuche loom to weave fabric. She’s gained enough customers to save the money to continue with her business and covering personal expenses independently.

 

 

 

pamela-lopez-1Pamela López

 

Pamela now has a sufficient workshop space that allows her to run her clothing business—where she now has many customers and generous revenue.

 

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Rosalía Rebolledo

 

Rosalía’s clothing business has earned her enough capital to continue on alone.

 

 

 

 

Our goal is to provide women with the resources they need to eventually thrive as independent entrepreneurs. Though it’s bittersweet to see women leave the SKImfi program, it’s our mission at work.

How We Narrow Our Approach to Maximize Our Impact

Beneficiaries in Mutare, Zimbabwe

Beneficiaries in Mutare, Zimbabwe

“Less is more” is one of those oft-repeated sayings that, well, can get old. It’s trite, simple, and something we’ve all heard on countless occasions. It feels silly sometimes to bring up in conversation – but it’s often wildly true and important to keep in mind in both our personal and professional lives.

When SKI Charities was in its nascent stages, it was critical that founder Shyam K. Iyer remind himself of the “less is more” adage. When the organization began, Shyam had to ask himself certain questions in order to narrow the scope of his project and remain focused. There are people everywhere, in every city and town across the globe, who could benefit from the types of programming that SKIC provides. As much as a business or organization may want to “do it all,” specialization and focus is essential to maximizing one’s impact. Trying to do more often winds up with watered down results or growing too fast for one’s resources.

Shyam knew that he had to target one or just a few specific locations, and specific demographics of people within those locales. What began as a desire to help the world ended up turning into focused attention on women and young girls in Lebu, Chile and Mutare, Zimbabwe. “We want to, through the fewest touch points, reach as many socially constructive areas as possible,” Shyam says. Here’s how SKIC does it:

How SKIC Maximizes Its Impact:

  • SKIC was brought to very deliberately chosen locations, where supply does not meet the demand. Shyam reasoned that, in a place like India for example, there are far more micro-finance organizations and charities available to the disenfranchised. When Shyam first began SKIC in Zimbabwe in 2010, nobody else was doing what SKIC was doing. The organization remains one of the few if only organizations that caters to Zimbabwean entrepreneurial spirit and pride by utilizing micro-finance loans.
  • SKIC focuses on women. Shyam has been asked many times, “why not men too?” He reasons that in general, and in the countries that SKIC is present, women are more disenfranchised and marginalized than men. Women have always been lower on the totem pole – “it’s time to level the playing field,” Shyam affirms. Despite their lower status, women have proven to invest more in their community with the money that they do make. “A woman will first grow her business, which will then hire more people, which will support more suppliers and provide more jobs in the community. When she makes money, she will put her kids back in school, which of course increases the education of a community, a crucial component to the wellbeing of a society. She will herself become more respected and become a leader in her community. She will become a role model for younger women, which will result in a ripple effect with even more people,” Shyam contends. “The spillover effect is strong with women, the money goes further.”
  • In the charity’s SKIpgo program, Shyam chooses to focus on girls ages 3 to 5. He notes, “Early stage learning is the most important because it’s where you can make the greatest impact on a girls’ life, for the rest of her career. With girls this age we can teach them even the simplest things like hygiene, respect for themselves, respect for each other. The schools we place them in are not just about teaching them English or history or math. It’s about teaching them how to be strong, independent women. And if they grow up with that idea, if we engrain it in them from the very beginning, they’ll absorb it and live it and be able to reverse some of the gender dynamics that are so rampant in our world.” Though the charity hates to have to say no to teenagers, Shyam reasons that “we want to start at the very beginning. It’s important to start the education process in the most impressionable stages of growth and learning.”
  • SKIpgo selects girls who have positive familial environments within which they have a greater chance of being supported in their education and actually excelling in the program. Shyam and his on-the-ground team work to find the best possible candidates for the SKIpgo program. These are girls who come from financially needy families, but also families that value education and will encourage their girls’ studies. These are the children who are most likely to excel in the program, and as they age, share their knowledge with peers and their own families.

The desire to “help the world” and to make it a better place is one that many people feel deep within their core. What’s most intimidating about confronting this desire is where to begin. Non-profit and micro-finance work inhabit a large landscape with many avenues to pursue. It may feel counterintuitive to narrow the scope of one’s focus, but really, it is the path toward positively and maximally affecting a group of people, no matter how small the group is. We’ll leave you with another trite adage worth thinking about, and one that SKIC stands by: “Quality over quantity.”

Here’s What’s Happening At Our Zimbabwe Sites

In our last blog, we updated you on the #SKIC women of Chile (who are thriving in our SKImfi and SKILLS programs!) Now, our founder, Shyam, has been visiting our sites in Zimbabwe, and we have more exciting updates about our beneficiaries on the other side of the world.

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SKIMFI women cooking lunch from food produced locally using microfinance loans.

Thanks to our SKImfi manager, Beatrice, the program is growing steadily. She’s done a fantastic job in choosing committed women who will receive the greatest impact from microfinance loans. Shyam spent a day in a rural village called Gombakomba, where he met with the local chief. Shyam explained our long-term development goals, and the chief showed enthusiasm about how morale has improved for his community.

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Shyam discusses using SKIMFI beneficiary profits to rebuild the village’s water delivery system with locals.

The beneficiaries in Zimbabwe use their loans to buy livestock and sell the poultry and eggs, as well as longer-term investments in goats and pigs. Others are involved in classical trading such as vegetables, clothing, and small goods. Beatrice runs monthly workshops to train the women in business skills such as bookkeeping and planning.

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Two beneficiaries with our manager Beatrice in Gombakomba

The SKIPGO scholarship program is making a big difference in our scholars’ lives. Since the girls are so young, they are absorbing very quickly at the Early Learnings School in Mutare. Since Shyam’s visit last year, their understanding of English has improved and they look healthier due to the eating habits encouraged by the school. Their demeanor was outstanding.

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The 2016 SKIPGO scholars.

One of our new scholars, Tinawimba, came from a difficult background and a challenging part of town. She was very disruptive and had issues handling her emotions. Now, she is working well with others and is clearly a natural leader. Girls like her get the most out of early-stage education and we’re excited to see how she does over the next few years.

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Portrait of SKIC founder drawn (and signed!) by one of SKIPGO’s budding artists.

We’re thrilled with the progress that our Zimbabwe sites are showing, and can’t wait to see our SKImfi and SKIPGO programs keep developing.

 

 

What #SKIC Chile Really Looks Like

SKIC founder, Shyam, recently traveled to Chile to visit our sites in Lebu and Tirua. Tirua, our new site, lies in a remote area in the Mapuche heartland. The isolated town provides fewer economic opportunities for its people—all the more important for us to maximize our impact in providing local women with microloans. The excitement and enthusiasm of the women there was palpable, and Shyam came back thrilled that SKIC is expanding into new territory. Experience some of the people and places that make up #SKIC Chile through photos:

 

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This SKIMIFI recipient knits clothing from wool and plant-base dyes. She is standing in front of a shop in Tirua that displays her products.

 

 

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Senora Jessica stitches clothing in Tirua and is looking at her new machine purchased with a microfinance loan from SKIMFI. She can now stitch with more efficiency and quality, allowing her to earn more.

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Some of the Tirua beneficiaries at a get-together. The bread is homemade and the local cheese is made and sold by one of our beneficiaries.

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Our project manager, Anita, going over the performance of one of our beneficiaries.

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A SKIMFI stitching done by Jessica on her new machine.

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This recipient makes clothing and household decorations on this ancient machine called a “rocua.” It is traditional for Mapuche people and is rarely used nowadays, with knowledge of usage dwindling. Through our support she is succeeding and keeping this skill alive.

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A wool and plant-based dye product.

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Some of the SKIMFI participants of Tirua.

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Senora Judith of Lebu is posing in front of her freezer of local ingredients that she will prepare to cater at fairs and around town. Before her SKIMFI loan, she was unemployed and suffering from health issues. Now she is earning good money, running around and selling her food all across the area, and creating employment for two assistants.

Portrait: Meet Melanie, SKImfi Chile Project Manager

SKIC’s project manager for SKImfi-Chile, Melanie O., discusses her work with SKI Charities and the path that led her to a passion for woman and child development.

SKImfi Chile project manager, Melanie O.

SKImfi Chile project manager, Melanie O.

In your own words, what is your role in SKI charities?

My first encounter with SKI Charities was a trip to Lebu I did to get to know the project. The inspiring stories of the women I met there and the commitment of the local staff strenghtened my desire to be part of the project. I did an evaluation of the current situation, proposed measures for improvement and was happy to have the opportunity to set them in place. I would call myself a counselor on project management and strategy.

How have you seen microfinance improve women’s lives?

Some of the women shared incredible stories with me on how the project has changed their life. The one I liked most was one women’s story about freeing herself from fear and shyness by joining the project. Unfortunately she had faced violence by men in her past and was afraid of opening up and seeking opportunities in a male-dominated economic landscape. The ladies-only space of the project gave her the confidence to try it out. Now she is a successful business woman, freeing herself more and more from the restraints of her past.


What path brought you to this work?

I was always interested in politics and social issues. I worked for an NGO in Austria, advocating for policy change in development cooperation and international politics. Our work aimed for more social justice. I came across a lot of issues that hindered sustainable development and the realization of a better, more just world. The two biggest issues in my opininon are the inequality of women and men, and women’s lack of education. SKImfi’s concept to strenghten women by making them economically indepent and support their personal development and business knowledge fits perfectly with my vision of best practice.

Where do you find common ground with the women with whom your work?

All of them are women who somehow felt – despite difficult personal stories full of failure and difficult experiences – the need to change their life for the better.  Not only did they feel the need, but they also trusted their own power to be able to do so. Because what SKI Charities does is help them to help themselves. It empowers. It doesnt give away money; it is not a charity project. It is a help for those who believe that they can realize dreams by wanting it and working hard for it. Those women are strong women. Even though their and my story differ in significant ways (I hold many privileges as a European woman), I am tempted to consider myself a strong woman too. And I am proud of sharing this common ground with the extraordinary women I work with.

Why are empowerment efforts like SKImfi essential?

Microfinance projects have brought a lot of advantages to vulnerable groups globally. The empowerment effort and focus of SKIMFI not only empowers in an economic way but it also fosters and supports personal growth. A lot of dimensions of their lives are influenced by the decision to become independent business women. And they are role models for their children, friends and communities. SKImfi does not only change the womens lives, it changes society for the better. There is nothing more important.

Women Responding to Disaster

This year, disasters such as the ebola outbreak, the earthquake in Nepal, and the humanitarian crisis in Syria have torn apart communities across our globe. Throughout each of these tragedies, we have heard over and over again how disaster relief efforts must be better suited to impact the unique needs of women, who are too often left vulnerable after these events.

Though the current lack of relief efforts directed toward women is disheartening, there is an inspiring number of stories of women who have taken charge of their own paths to recovery and relief while helping their communities. Women coordinated Red Cross efforts to help ebola victims in Liberia and beyond. Time published a powerful piece on women leading the effort to rebuild Nepal, and Buzzfeed covered the women who are learning self-defense to protect themselves and their families post-earthquake. Syrian girls and women in refugee camps have started their own schoolsconvinced families not to marry off their daughters, and more. 

Samantha (left) is a hair stylist in Zimbabwe. She is using her SKIC micro-loan to raise chickens and invest the profits to build her own hair booth in the local market.


These women point to the need for formal disaster relief efforts to be women-led. Who better to target relief efforts to the needs of women than women themselves? As SKI Charities empowers women in Chile and Zimbabwe with the ability to lead through entrepreneurship, education, and art, we are also building a community of leaders who can respond bravely and sensitively if disaster strikes.

A Conversation with Shyam: 2014 | The Year in Review

As we begin an exciting new year, SKIC founder Shyam K. Iyer takes a moment to reflect upon 2014.

The organization saw a lot of growth this past year – with two programs operating fully in both Chile and Zimbabwe, SKIC’s operating sites. This past year we introduced a new program SKILLS, the SKI Local Life Survey, which provides resources and a platform for local artists to showcase their work. In tandem with SKImfi (SKI Micro-finance Institute), these programs helped to illuminate the creative talent that exists in the indigenous communities of Lebu.

Despite relatively depressed economies in Mutare and Lebu, SKIC stands by its mission to empower women and girls who are economically excluded. Shyam believes that it is important to provide resources, even though they may be limited. Rather than over-extending itself and seeking new participants, the organization remains focused and effective by funneling energy and resources into its current beneficiaries. In tightening up SKIC’s management and scope, it is able to provide really solid support.

Even as a small-scale organization, SKIC is continually looking to grow – especially as the demand for resources continues to grow.

Listen in on Shyam’s podcast to hear about 2014, and see what’s on the horizon in the new year!

 

Empowering Transformational Female Leaders

In a previous post, “Why Focus on Women?,” we discuss the importance of SKI Charities’ focus on empowering female entrepreneurs and providing education for young women. In the traditional communities of developing countries like Zimbabwe and Chile, where SKIC works, already-marginalized women are often made powerless by circumstances of conflict and unrest, with men historically and culturally standing as the heads of households. To counter these unfortunate standards, the SKIC team directs its efforts toward women to level the playing field and to tap into the entrepreneurial spirit and leadership potential that we believe all women possess.

Mrs. Annia of Mutare used her SKImfi microloan to begin, and expand, a vegetable business.

Mrs. Annia of Mutare used her SKImfi microloan to begin, and expand, a vegetable business.

Our world needs more female leadership – and not just because women are currently underrepresented in formal and informal leadership positions worldwide. Unlike men, who tend to have a transactional leadership style, marked by incentivizing good performance and maintaining order and flow in a workplace setting, women tend to be transformational leaders. According to Alice H. Eagley’s New York Times article “Hybrid Style Works, and Women are Best at It,” a transformational leader “acts as an inspirational role model, motivates others to go beyond the confines of their job descriptions, encourages creativity and innovation, fosters good human relationships, and develops the skills of followers.” This leadership style has shown to be most effective in modern workplaces.

The interpersonal relationships and motivational attitude that transformational leaders bring to their environments are ideal for fostering economic and social growth, and for multiplying the efforts of SKI Charities. With each transformational leader we empower, we hope to send a ripple effect through countries, so that countless more women emerge as leaders, driven to transform their communities and workplaces.

Africa’s Mobile Technology Rise

The technology that has long provided convenience in most daily lives is now transforming opportunities available to entrepreneurs in developing countries. Mobile technology in Zimbabwe has risen to more than 71 percent, supplementing the work of SKImfi and allowing women in Zimbabwe to expand, organize, and promote their entrepreneurial efforts.

A SKImfi entrepreneur completes the loan process.

A SKImfi entrepreneur completes the loan process.

Mobile technology in Africa has created a major boon in business in recent years, and has a particular impact on women working with organizations like SKI Microfinance Institute. Mobile banking applications strengthen solidarity lending. They allow women to reinvest their earnings, move money between one another with ease, and distribute funds to their families in rural areas. A 2011 case study on Zimbabwe by Groupe Speciale Mobile Association (GSMA) cited a 41 percent increase in opportunities for women to generate income and an 81 percent increase in women’s independence when they can access mobile phones.

The distances that technology allows us to traverse give women the opportunity to build the best possible businesses. Instead of solely relying on local suppliers, SKImifi entrepreneurs can explore vendor options outside their immediate circle and find quality products in more distant locations. This flexibility expands the types of businesses women choose to start and extends the circle of microfinance engagement to other types of vendors. The connections made possible by mobile technology improve both the work lives and the personal lives of women; 93 percent of women in the GSMA study reported feeling more connected to family and friends since owning a mobile device.

They are better able to organize staff, manage their finances, and communicate without restriction to create efficient, lucrative businesses. Access to mobile tools allows SKImifi entrepreneurs to reach their potential as leaders.