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Why Zimbabwe’s Economic Crisis Should Be A Women’s Issue

Since 2016, Zimbabwe’s economy has been in recession. But it’s been in trouble for much longer—over fifteen years now.

Waiting in line for cash. Photo by Tendai Marima via The World Post.

Though the cash shortages brought on by the crisis are tough on everyone, there’s one group of people who bears the brunt of the burden: women.

According to The World Post, women often wait for hours outside banks trying to get cash, missing doctor’s appointments and other commitments so as not to lose their place in line. “As a wife, it’s my job to come here and wait,” said one woman. “It’s painful. Coming to get money feels like a daily job, but I can’t eat and I can’t drink water because I’ll lose my place in the line if I go to the toilet. There’s a pay toilet a block and a half away, but I have to go often and they are not always clean,” said another.

The crisis is taking a toll on women’s health in particular. Cash shortages often prevent hospitals from getting the drugs and supplies they need to care for their patients. Surgeries like C-sections are sometimes not possible, leaving pregnant women and infants particularly vulnerable. Zimbabwe also has one of the highest rates of HIV infection in the world, and well over half of the infected are women. A nurse told The World Post that women often miss their treatment doses because they are waiting in line for cash.

Women with children face even more challenges. “When there isn’t much money, the men usually take off, leaving the women to take care of kids financially,” says our founder, Shyam K. Iyer. “Their responsibilities grow as both breadwinners and as mothers.” Plus, the financial crisis makes education even more inaccessible to children, particularly girls.

Stephanie and Samantha use their microloan to rent a table at the market in Chikanga.

What can be done about it? Here at SKIC, part of the reason we’ve chosen to focus our efforts on Zimbabwe is because we feel we can help in the face of this crisis. “We at SKIC realize that when things get difficult is the exact time for us to step in and take a chance on people who abound with energy and entrepreneurism yet are trapped by political and economic forces beyond their control,” says Shyam. By handing them cash, we eliminate the problem that the lack of liquidity in Zimbabwe’s economy presents.

And by honoring Zimbabwe’s entrepreneurial spirit through microfinance loans, we’re giving women an out from the financial crisis and a chance at self-sufficiency. “With the country receiving so little financial support this is even more important,” Shyam says. We’re equally committed to providing scholarships for young girls in Zimbabwe, giving them the foundation that will allow them to thrive in the future, as well as taking the financial burden off their families. 

The 6 Biggest Obstacles I’ve Faced in Getting an Education

The road to my educational success has not been easy, and even today I face many challenges. But I still dream to acquire an education and change not only my path, but also that of my family and my community in Zimbabwe. My dream encourages me to take steps to reach my vision of success despite the obstacles I encounter.

1. Being a role model to my siblings. This has been the greatest challenge in my quest for an education. Being the first born in a family of five children, I have to set a precedent. I always try to motivate them despite the fact that I am also struggling to make ends meet.

2. Financial instability. Being a citizen of a country that does not offer free education and a child from a poverty-stricken home, it has been difficult for me. Applying for full scholarships is not an easy job but through God who continues to give me strength I am now getting my Masters degree for free.

3. Many commitments. Doing part-time jobs while getting an education and caring for my siblings is so challenging. I vividly recall taking up menial jobs at a very young age in my neighbourhood to supplement my basic needs and our household. My father’s risky job and meager salary from his driving career at a local university were not sufficient to meet our needs.

4. Finding balance. Academic life is a huge commitment that requires perseverance. But at the same time, social life cannot be neglected. It is very difficult for me to balance the two and in most cases my social life suffers.

5. Criticism from my community. Being a woman has been another drawback in my quest for an education. People always say, “Instead of getting married and starting a family you are busy trying to further your education, you will end up a nun.”

6. Lack of secure jobs. Due to the economic hardships our country is facing, it is difficult to get a secure job. This sometimes discourages me from furthering my education. Sometimes I feel like it’s not worth suffering sleepless nights studying hard and when I may not be able to secure a financially stable job anyway.

Blogger 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 street children.

Why It’s Essential to Keep Mapuche Art Alive

Our work in Southern Chile primarily focuses on women who are part of Chile’s largest indigenous group: the Mapuche. Meaning “people of the Earth,” the Mapuche resisted Spanish conquest and still today have maintained many aspects of their culture in the face of assimilation.

That’s just one of the reasons why in addition to providing Mapuche women with microloans to grow their own businesses, we started the SKILLS program. Through SKILLS (SKI Local Life Survey), we empower local artists to share their history and culture through works across the creative spectrum.

And though today the Mapuche make up only around 9% of Chile’s population, many Chileans have Mapuche in their blood—which makes it all the more important for the history of this resilient people to be shared through art, particularly through traditional artisan techniques that date back centuries.

Plus, many Mapuche artistic traditions are passed down from generation to generation—specifically from woman to woman.

Here are some of the traditions we’re helping artists explore through SKILLS and SKIMFI:

Silversmithing: Or rutran, as the Mapuche call it, is used to make traditional jewelry. The practice came into existence in the late 18th century after the Spanish invaded Chile. The Mapuche would melt down silver Spanish coins (which today have become useful in dating these objects) they acquired through trade and use them to create jewelry, which became a central aspect of the women’s attire. The appearance of the items varied widely across Chile, because they were designed to reflect the diversity of the Mapuche and the specific identities of different families, communities and geographies.

Though it’s been said that there are no more traditional Mapuche silversmiths in Chile, women in our SKIMFI program use their microloans to create and sell jewelry that reflects their history and culture.

Hand-made Mapuche Jewelry

 

 

 

 

 

 

 

 

 

 

Weaving: The first evidence of Mapuche textiles dates all the way back to 1300 AD. For centuries, Mapuche women have been using handmade looms to weave blankets, ponchos and more, all with signature bright colors and patterns. The knowledge of spinning and weaving is passed down from grandmothers, mothers and aunts to daughters, nieces and sisters. Their products have been used for trade for centuries, so women who possess these skills have always been highly distinguished in Mapuche culture.

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Today, women in our SKIMFI program are using these traditional weaving techniques to create blankets for sale.

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Traditional ceremonies: Mapuche religious life includes many ceremonies and rituals for different occasions. Central to many of these is the machi, a shaman-like woman who guides the Mapuche through rites for everything from warding off evil to praying for good harvest. They are also thought to have healing powers.

One of our SKILLS artists, a painter, creates work depicting traditional Mapuche ceremonies and rituals.

This painting depicts a machi. In the artist’s words: “She is a Mapuche woman, in charge of religious ceremonies and curing the sick.She is also an herbalist, using natural plants that she finds in Chile. She is in charge of communicating what Mother Earth asks the people to do. The tree behind her is a sacred tree for the Mapuche people. It is our protector.”

Machi: Mujer Mapuche

Another painting depicts a kultrún, an instrument used in ceremonies. The artist says: “It is a sacred instrument with a single and dull sound. It is used by women in religious ceremonies to appease the earth for the Mapuche people.”

Cultrun

Staff Portrait: Meet Victoria, SKImfi Zimbabwe Communications Intern

IMG_2136SKIC’s Zimbabwe-based communications intern, Victoria, on what her role is like:

What is your role at SKImfi?

I am a communications/operations intern at SKImfi and I assist with keeping the records of the beneficiaries, ensuring that they comply with SKImfi rules and regulations, and compiling reports on the progress of their projects.

What does a day look like when you go out to meet with beneficiaries?

When we go out to meet with beneficiaries, the day is exciting. I like visiting women from different places. It gives me the opportunity to see life in a different way by spending time with new people in a new environment and hearing about their life stories and projects.  

I was quite impressed by one of the groups we visited in Mutare. They mainly focused on buying and selling bales of second hand clothes. When they first joined SKImfi, their projects did not go so well. They had bought a bale of blouses only to find out the blouses were off-season. We were approaching winter, so people were buying warm clothes. What I liked about these ladies is they did not sit on their project—they actually went to some of the rural areas in Mutare and they traded their blouses with mealies and nuts. The next time they went to Mozambique, they bought a bale of kids’ jerseys and they made a profit of 60%. I liked that these ladies are hard-working and open-minded.

How have you seen beneficiaries benefit and grow from SKImfi?

The loans that beneficiaries have received from SKImfi have helped them to start something. For example, those who rear chickens and sell them have made a lot of profit. They buy 25 chicks for $18 and rear them for 5 weeks. They then sell the chickens for $7 each. 

What do you find to be the most meaningful part of your job?

Visiting the beneficiaries to monitor their projects. It gives me a chance to understand some of their challenges and help them with ideas on how to approach their problems.

Why do you think it’s important to empower women and girls?

Women’s empowerment is important because it leads to development of society as well as the economy. It also reduces poverty: sometimes the money earned by the male member of the society is insufficient to meet the demands of the family, and the added earnings of the women helps the family come out of poverty.

7 Sexist Comments I Hear—And What I Say in Return

WP_20150425_047Precious Ngwayarudza, a native of Zimbabwe, shares some of the comments she’s heard as single woman pursuing education—and her strategies for combatting casual sexism:

Why are you obtaining a Masters degree? Don’t you know that you will never secure a job in Zimbabwe?

Learning is my passion. As long as I have the funding to continue educating myself, nothing will stop me, and I’m confident that I will secure a job that is good for me.

 

If you continue learning, no man will be bold enough to marry you.

I don’t aspire to be married to a coward. I will marry a man who suits my educational status and demands.

 

Education is for men, not women. Do you think you’ll even use your education once you’re married?

I’m pursuing education so that I can have a better understanding of the world. Even if I choose not to have a career, my education will still serve me; the best thing about being educated is being able to view the world in a new way.

 

Why are you wasting your time and money on learning? When you marry, you’ll be taken care of by your husband and you will be confined to the kitchen.

I want to be my husband’s equal, not a burden and responsibility.

 

You aren’t going to have time to spend with your children, you’ll be too busy.

Necessity is the mother of invention. I will make time for both my career and family.

 

Haven’t you noticed that everyone your age is already married?

I’m too busy to be concerned about something like that.

 

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 street children.

 

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.

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.