Widows receive their B'edaya microfinance loans.
I’m excited to share this important news: Thanks to your generous support, Round III of the B’edaya microfinance initiative for mothers has officially launched!
Coptic Orphans recently held ceremonies around Egypt honoring the 42 widowed mothers who will receive LE243,500 (US$27,400) in microloans for income-generating projects. These mothers are heroes to all of us at Coptic Orphans, and by God’s grace, we’re honored to provide them with both microloans and coaching in entrepreneurial skills to develop their inborn perseverance, ingenuity, and business-savvy.
An Egyptian woman who wants to start a business faces barriers that would make Donald Trump cry. But Egypt’s widows face even huger challenges. How they dress, who they talk to, where they go — all of these are subject to scrutiny and control based on tradition. Frequently, they can’t even leave the house to work, even if their children are malnourished.
It’s exactly these hostile conditions that B’edaya is designed to handle — the everyday life of some of the most disadvantaged widows in Egypt, particularly those in remote villages. It tailors small loans to the needs of the mothers of orphans. The aim is to give them an opportunity to generate income, more ability to feed their children, and more control of their lives.
The 42 mothers were selected from among a pool of 143 widows whose children are enrolled in Coptic Orphans’ education-focused Not Alone program. Seven of the mothers are receiving B’edaya loans for the second time, after running and expanding their income-generating projects, and one is receiving a loan for the third time.
“When my husband died, I felt alone and helpless. I was about to sell his photography studio, because according to the traditions in my village, as a widow, I can’t run the business and deal with the public,” one B’edaya client from Kom El Dab’, Menoufeya said at the ceremony.
“After I enrolled my kids with Not Alone, Coptic Orphans representatives encouraged me not to sell the business, but instead to stand up for my right to work and raise my kids with pride and dignity,” she said. “So I re-opened the studio and ran the business to ensure a dignified life for my kids. With this new loan, I’m going to buy a digital camera so I can photograph weddings, which is very profitable in our area.”
Coptic Orphans launched B’edaya Round III in March, in order to honor International Women’s Day (March 8) and Egypt’s Mother’s Day (March 21), with the following three ceremonies:
• Ma3adi, March 4, to honor 12 mothers from Lower Egypt and Greater Cairo
• Bani Mazar, Minya, March 11, to honor 18 mothers from Middle Egypt
• Luxor, March 18, to honor 12 mothers from Upper Egypt
The ceremonies represent the culmination of nine months of preparatory work to ensure proper planning, training, and an effective selection process. At the events, loan recipients received their checks, took part in basic financial training, and were familiarized with additional details about B’edaya. The events also provided an opportunity for the mothers to network, share experiences, and trade contact information.
Previous loan recipients appeared onstage to present their advice and experiences to the Round III participants. “This is my second time taking out a B’edaya loan,” said a client from Ezbet El Nakhl, Cairo. “I started my first project two years ago with a B’edaya loan to sell bedding and bed sheets.”
“Back then, I was so shy and afraid to take the risk, but the Coptic Orphans representative encouraged me and I succeeded in overcoming my fears and establishing a strong network of clients,” she said. “From the income I generated, I was able to pay back my first loan, and renovate my kitchen, bathroom, and living room. This made me feel proud of myself for the first time. I’m taking out the second loan to expand my business by adding the sale of women’s accessories. I’m much better now at marketing and communicating with my customers, so they’ve ask me to sell them these things.”
B’edaya microloans are offered at 0% interest for 26 months, with the first six months considered a grace period for loan repayment, followed by six equal installments spaced four months apart. The loans disbursed to each recipient vary in size according to the amount requested in the application process, up to a maximum of LE7,000. The amount is also subject to the assessment of the selection committee, which is made up of the Coptic Orphans program management team.
The LE7,000 ceiling is a significant increase compared to Round II, when the total amount of loans dispersed was LE91,000 disbursed to 29 mothers, with a maximum sum of LE4,000 and a 14-month repayment period.
B’edaya Round III encompasses 13 types of projects ranging from selling livestock feed (4), selling groceries (11), selling women’s accessories (2), selling fabrics, bedding, and sheets (1), selling cleaning products (1), raising and selling cattle (5), raising and selling poultry (3), selling machine-sewn products (8) running a photo studio (1), selling upholstery (1), selling shoes and accessories (2), running an ironing service (1), and styling hair (2).
B’edaya Round III activities in 2016 and beyond will include quarterly home visits to the entrepreneurial mother by Coptic Orphans staff and volunteers, who will monitor the progress of the projects and provide regular coaching. B’edaya shows what we can do when we pull together, as a community, and set our minds on achieving dignity and self-sufficiency — not dependence on charity — for our brothers and sisters in Christ.
Children who grow up in a household where B’edaya is working can see their mother in a whole new light, as a creative, hard-working businesswoman. This can make a huge difference for the whole family. I’ll keep you posted as B’edaya unfolds further, and once again, thank you for making this work possible.
All of us are grateful to God for the blessing of working alongside these strong, determined mothers. They are role models for their kids!