SKI Charities

SKI Charities Blog

Meet AWA, an Inspiring Female Force Coming out of Zimbabwe

Zimbabwean female rapper, AWA (source: BBC Newsbeat "Meet AWA, the Zimbabwean using hip-hop to improve human rights in her country")

Zimbabwean rapper, AWA. Photo via BBC.

One of the biggest reasons that SKIC put down roots in Zimbabwe is because female disenfranchisement is rampant and the availability of micro-finance loans does not meet the demand. The marginalization that women in Zimbabwe face is not often talked about – both within the country itself and on a more global scale.

Meet AWA, a female rapper who is attempting to shed light on the types of prejudices and gender-based violence that many women in Zimbabwe face. She is one of very few women who are using music as a platform for raising awareness about the issues that permeate Zimbabwean culture on a daily basis. Her name, an acronym standing for African Women Arise, was chosen to convey her passion for women’s rights advocacy.

SKIC hopes that women and young girls who are utilizing our programs (both SKImfi micro-finance loans and SKIpgo scholarship education programs) gain the self-confidence that comes from employment and education to combat some of the gender discrimination that is embedded in Zimbabwean culture. Fortunately, with the emergence of AWA, Zimbabwean women are beginning to have role models that they can turn to and glean inspiration from when it comes to breaking down some of the barriers that exist for women in historically gender-biased communities.

For more about AWA, click here.

To hear AWA’s music and see her in action, click here.

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.

Catching Up With the SKIC Women of Chile

SKIC’s work in Chile has grown in exciting ways this year. Our newest site, just four months old, has added to the work of two other thriving sites that now span many miles across the country. As of August, there were 33 active women participating in our Chilean sites of Lebu (founded in 2013), Los Alamos (founded in 2014), and Tirua (founded in July). Four more women are waiting to be incorporated, and many others have showed interest. This is a 100% increase since just January, when 15 women were active in Chile.

 

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This incredible surge in participation can be attributed to the foundation’s new strategy to increase participation. SKIC has partnered with local stakeholders, mainly state and municipal government offices, to get the word out about SKIC and to get women excited about the possibilities of microloans. These generous institutions also facilitate workshops where SKIC staff can present information to local women and run activities that focus on financial planning.

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The payoff of this new strategy can be seen in the fruitful work of the Chilean women. In Lebu, women continue to find success through buying and selling goods and handcrafting products from leather and wool. This year, these women have shown a growing commitment to expanding their businesses and paying back their loans. In Los Alamos, most women produce food, such as pastries and pies. The Los Alamos women are particularly proactive about paying back their loans and providing timely and useful information to the SKIC staff about their projects. Our newest site in Tirua already has 11 participating women, and more attending meetings and information sessions in hopes of joining. The concept of microloans has been met with excitement, as many women were familiar with the idea but had never been given the opportunity to participate themselves. Most of these women are weaving products using natural materials and traditional mapuche designs, and some sell fish and seafood.

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The past year has shown promise, and we hope to continue building on our new strategy so that in 2016 we can serve the women of Chile even better.

 

At SKIC, Community is Everything

SKIC has been a community-minded organization since day one. But now, more than ever, the organization is seeing the importance of maintaining and stimulating communities in both of its operating sites – Lebu, Chile and Mutare, Zimbabwe.

LEBU, CHILE | Lebu is a rather isolated city, with a static population. It relies heavily upon people-to-people connections – for it’s economy, and for morale.

Several years ago, Lebu was very much impacted by a huge earthquake. Many local institutions collapsed and the town became much more physically isolated. Lebuanos were forced to look inward and found that they could only count on their neighbors, not Santiago, Chile’s capital.

MUTARE, ZIMBABWE | Zimbabwe has been experiencing increasing economic hardship over the past 2 years, with no financial liquidity. In this economic landscape, there is a lot of room for depressed morale. SKIC’s response to this has been to downsize their SKIMFI participation, scaling from 200 beneficiaries, to 20. This scale shift has enabled SKIMFI project managers to focus their energies more specifically, and for the 20 women who are a part of the program to really band together.

SKI Charities Founder, Shyam comments on SKIMFI’s downsize, “We get obsessed in life with numbers. But it dilutes the focus and the impact. Eventually we want to reach 200 participants again, but we are really impacting people at a crucial time right now by scaling back. We are actually impacting far more people than we were before, despite numbers being lower. ”

TIRUA, CHILE: SKIC’s Latest Location | Recently, the organization extended its reach to Tirua, Chile – another relationship-oriented location.

Beneficiaries in Tirua regularly participate in group meetings to compare notes and support each other’s endeavors. Different community and government leaders conduct lectures regarding accounting, and how to set up a more formal business. These meetings give women a sense of camaraderie and the sense that there is the ability to continue their entrepreneurial pursuits outside of SKIC based on the networks they’ve created for themselves. It’s comforting for them to know that once they have completed the SKIC program, their lives can continue comfortably and that they have a set of skills and resources to keep a certain momentum behind their businesses.

 

Across all SKIC programs, there is little room for competition – the beneficiary experience is largely collaborative.

Community is a fundamental part of how SKIMFI participants vend their products. With a moderately stagnant economy, community becomes essential to liquidation. One of the main goals of SKIC is to foster community and collaboration between beneficiaries. Income is a short-term reward for beneficiaries, but it doesn’t match the long-term impact of building trusted networks that extend into other parts of life. “SKIC beneficiaries know they have sisters to count on when time gets tough, or even when things are going well and they have to contemplate the next step for growth,” Shyam says. “Community is everything to our organization.”

 

SKIC in London!

SKIC in London

SKIC fans travel around the globe – this time, to London!

 

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.