Archives For repayment meeting

Francia

by Annie Rose Ansley, HOPE Trips Liaison

It’s Thursday morning, and Francia walks down the dirt road to the building that serves as a church and elementary school in her community. The one-room building in Los Mella, Dominican Republic, is also the site of the repayment meetings for Francia’s community bank. This group of 15 women meets biweekly to worship God, learn business and life skills, and repay the small loans they receive through Esperanza International, HOPE’s partner in the D.R.

Francia didn’t know Jesus before joining her community bank several years ago. Now, she is responsible for leading her group in prayer, worship, and sharing the Word, and her strong faith clearly shines through. Despite being the most petite woman in her group, Francia stands tall and speaks with strength. She shares a personal testimony about answered prayer in her life—a time when she was robbed and, after fervent prayer, ultimately got back what had been stolen from her. Francia urges the women to trust God, and at one point she holds up her Bible and proclaims, “THIS is what’s real.”

Later on in the meeting, during the loan collection process, one bank member doesn’t have the money to repay her portion of the loan. Following the group solidarity model, the women have cross-guaranteed each other’s loans, meaning they are responsible to cover for the missing money. This is a vital element of community banks, building solidarity and providing clients access to loans even though they don’t have traditional collateral. But it can sometimes bring challenges. Today, for example, no one seems to have the extra money to pay the other woman’s amount.

Five minutes of hesitation pass, and a couple group members get frustrated. 10 minutes pass, and heated discussions break out. 15 minutes pass, and still no one volunteers. Suddenly, Francia stands up.

“Ladies, we need to pray.”

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In this one-minute field report, Annie Ansley, field communications fellow, shares about the joy she saw in women as they worship together in a repayment meeting through Esperanza International, HOPE’s partner in the Dominican Republic.

Paniel Community Bank

by Mara Seibert, reposted from www.maraseibert.com

HOPE recently welcomed three communications fellows, who’ve traveled to the field for a year to report how God is moving in those programs. In this blog post, Mara Seibert, serving in the Republic of Congo, shares her first experience witnessing a community bank meeting.

Makélékélé. The trick is learning to spell it first. The pronunciation just rolls off your tongue … mah-kel-eh-kel-eh. The next trick is getting a taxi to take you there. We took a green taxi to get there, Précy and I. Not that there is anything special about a green taxi in Brazzaville—all of the taxis are a vibrant shade of forest green, populating the streets like a metal forest. Winding through the streets of Brazzaville from HOPE Congo’s office to the neighborhood of Makélékélé is not an easy trek for taxis because of Marché Total: an enormous sprawling market with an ever-present traffic jam going through the middle of it.

As we drove, Précy kept up a running commentary about city life, how most of the population uses the green-painted public transportation: taxis, buses (vans painted green), and even bigger vehicles. Buses are cheaper than taxis but also more crowded. For Précy, they have their own appeal: “Buses are my favorite means of transport. You hear a lot of things. Lies, truths, news …” Taxis squeeze by each other in seemingly incomprehensible patterns with millimeters to spare that left me holding my breath—that would also be because of the wafting aroma of petrol. Finally we arrive near the church of Makélékélé and walk past small stands and businesses selling anything and everything from wine to used clothing, backpacks to hot food, and walk into the group meeting.

Counting a repayment

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