Rael in her cereal kiosk explaining its benefits
Dear Friends, Colleagues and Supporters,
FGM/C’s persistence can be explained by the solid structural inequalities facing rural women. The feminization of poverty due to inability for women to develop their own social-economic independence coupled with the stringent direct and indirect socialization that indoctrinates women to believe that they must be dependent on men gives them absolutely no options. We believe that an anti-FGM agenda that does not address structural gender inequalities is doomed to fail. HFAW’s finance and entrepreneurship trainings and provision of affordable credits to women is aimed at addressing these inequalities as a powerful step towards ending FGM.
Finance literacy workshops do help women to begin economic generating activities beyond the merry go rounds they used to engage in. Access to affordable loans helps them to boost their businesses. This report gives examples of how HFAW makes contact with rural women in sometimes hard to reach villages where women have to sit under trees to learn and listen to how they can access our services. Most of the original women such as Rael do have income generation businesses while others are now just hearing about our services. This report documents little bit of their voices.
Before access to HFAW Fund loans Kerubo used to sell beans and millet at Gesima, the local market near her home. When she heard about HFAW Fund, she and four other women joined to form ‘Riverside” women group. In this group, they saved and she qualified to get a loan of $204, so far the highest among the loans HFAW has given. Commenting on how the loan has helped her she said “The loan has boosted my business, I am now able to go to visit large town markets. Every Tuesday and Friday, I take cereals to Kericho market and on Saturdays, I sell at Mulot market. I have also been able to get a tender to supply the cereals to a nearby school since I can now afford to deliver more foodthan before tot his school.”
Mong’ina and Damaris also members of the “Riverside” group used to sell tomatoes and vegetables at the local market. When they got a loan of $192, they are now able to not only sell their goods at a larger market in Keroka but have also diversified their sales to selling mitumba (second hand clothes).
The second group that was visited was “Nyagokeria”. Ndege, a member of the group testified that her income has increased since she got a loan from HFAW Fund “ I am now able to buy more “Mang’ereto” (tea leaves) from farmers than I used to do before. My supply of the tea leaves to the tea factory has increased and that means more income for me.’ Rael is pleased to share knowledge of how she sends cereals to big towns. “This Fund means a lot to me.” Says Rael who owns a cereal shop and a small restaurant at Amakara shopping center.
“These women are hardworking and determined and I admire their zeal.” Said HFAW field Officer, Ruth Nyakundi. HFAW however has a certain level of concern that many women are on the waiting list for loans because our small fund can only cater for a small number of women.
Finance workshops and acess to credits project was financed by International Methodist Women and a small portion from global giving. Our partner and friends, we recognise with thanks that the continued positive changes in womens access to loans and finance literacy workshops could not happen without your hand in it as well us that from our donors such as Methodist women. Thank you for your continued support.
Sincerely, and with Gratitude
HFAW Project Manager
HFAW CEO & Finance literacy expert, addressing wom
Carol and CEO speaking about fund
Women acces loans in groups as collateral
Finance expert Laban speaking about loan procedure