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Why Buying Local Really Does Pay

We often see signs in our communities imploring us to “buy local.” And we all can agree that it’s generally a good thing to support the local businesses in our towns and cities. But what are the real benefits of buying local versus buying from big chains—especially since local goods tend to come at a higher price?

Zimbabwe shop to buy local

Beneficiaries in Zimbabwe in front of their store.

As an organization focused on empowering women entrepreneurs through microloans, this is an issue that’s extremely close to our hearts. We’ve seen firsthand the positive spillover effects that local businesses can have, as well as the unique products that can result from vendors who are steeped in their own communities—as we see in both Zimbabwe and Chile where we work.

Buying local has a whole sleuth of benefits—from financial to environmental to cultural:

It keeps money in the community.

According to CustomMade, local businesses generate 70% more economic activity than chain retailers, and money spent at local businesses generates 3.5x more wealth for the local economy than money spent at chain retailers. Particularly in Zimbabwe, which is going through an economic crisis, it’s doubly important to put money back in the community and support the local businesswomen whose hard work has spillover benefits for everyone. Plus, local businessowners are far more invested in the future of their communities than corporate giants, and tend to give more to charities and fundraisers than large chains.

It’s better for the environment.

In some ways it’s obvious: Chain retailers tend to transport items from further away than local vendors, creating transportation waste and often excess processing and packaging waste. But according to CustomMade, local vendors also tend to be more environmentally-conscious overall, being more likely to reuse materials than chain retailers.

Local beneficiaries in Chile with their handmade blankets

Two of our beneficiaries in Chile with their handmade blankets.

It keeps local communities unique.

Local vendors often reflect the unique spirit and culture of the community in which they’re working. This is not the case for chain stores, which tend to be the same everywhere. We see this firsthand through our work in Chile, where local artisans create one-of-a-kind jewelry, blankets and other crafts that help keep their Mapuche heritage alive and provide their customers with a memorable product.

It gives consumers more choices.

Local vendors cater to the unique needs of their customers, unlike big chains that might be looking at more national or global consumer trends. This leaves locals not only with more choices, but choices that are more specifically catered to their lives.

Better customer service.

Since local businesses tend to be small and often even family-run, businessowners can have more intimate relationships with their customers. And since they’re members of the community, too, they’re more accountable to their customers about the way they run their business.

Better quality products.

Products sold by local vendors are often handmade or made ethically in small batches, unlike products from chains which may be mass-produced through questionable labor practices. So when you buy local, you have a better chance of knowing exactly what you’re getting, and buying a product that is free of defects or contamination.

What is Microfinance, and Why Do We Use It?

At the heart of our SKImfi program—where we provide women entrepreneurs in Chile and Zimbabwe with small loans to start or grow their businesses—is microfinance.

Microfinance, “is basically a bank for people who have very little to no income, probably no collateral, definitely not a formal job, maybe not even an informal job,” explains our founder, Shyam K. Iyer. 

A woman with short dark hair wearing a white t-shirt stands behind a large freezer. The freezer is open and has bags of seafood stacked. She is in a bright kitchen with wooden floors and walls.

Our beneficiary Bella used her microloan to purchase a freezer, which she uses to store the fresh seafood she sells in Lebu, Chile.

We’ve found microloans to be a powerful tool to leverage the power of finance for deserving but overlooked talent, who use this opportunity to not only empower themselves and their businesses, but their communities. Here, we break down how microfinance works and why we use it. 

The basics

Microfinance is based on the idea that while people with credit and a steady job can walk into a bank and get a loan, there are many in the world who don’t have such an opportunity—but still have the same potential, says Shyam. Through a microfinance lender, like SKI Charities, people without access to traditional finance can receive small loans, “and they are expected to pay it back, just like you or I would have to go to a bank to pay it back,” says Shyam.

Two Black women are in a small store surrounded by lots of colorful goods. One woman is sitting and laughing, the other stands and leans to the side.

Prudence (right) uses her microloan to help run her shop, where she sells electronics and other items.

How it works

At SKI Charities, potential beneficiaries apply to our microfinance program with a business plan and references, and are chosen based on their potential to deliver on their proposal and add value to their community. Like at a bank, beneficiaries have a term to pay back their loan with a small interest rate. “We’re not in the business of providing aid, we’re providing people with access to finance,” Shyam says. “So we treat them on an equal level, just like you or I going into a bank. Our default rate is very low, which tells us that we’re doing it right for the environment that we’re in.”

Why it’s right for our mission

“At the end of the day, the purpose of SKI Charities is to bring people closer to independence and respect for themselves and what they do,” Shyam says. “Treating our beneficiaries as banking customers who have a responsibility to pay back their microloans means they are treated like everybody else in the financial system. So we think it’s worked out great, especially with people achieving that self-affirming respect. It’s key to everything we do.”

Two Chilean women sit at a kitchen table, working on some paperwork.

A beneficiary works with our program manager on her loan agreement.

The biggest misconception about microfinance

“It’s about trade, not aid,” says Shyam. “That’s not a slogan I came up with—I wish I did. But it’s just about getting more people involved in a system where they can feel confident through employment, through creating wealth. Any time I’ve been given something, I’ve never treated it very dearly. But when I worked for something, just as these women are working with their loans and having to pay them back, that’s the great thing about microfinance—they feel equal and they treat the whole process with more responsibility.”

The power of microfinance

When you’re doing microfinance at such a local level, it’s not just about these women creating their own wealth and creating their own businesses,” says Shyam. “What about the spillover effects? They start off paying their kids’ school fees with some of the money they make, which is great in a social sense. But it’s also providing encouragement for schools to run better. These women may hire some of their friends or sisters to work for their business. That’s another spillover effect. Of course they are now buying from other suppliers, so even though that supplier isn’t necessarily a part of our program, in a sense they are now. It stimulates the whole community, and as we grow, we’ll stimulate more and more communities.”

8 New Year’s Resolutions for Entrepreneurs

Here at SKI Charities, we empower women in Chile and Zimbabwe with the tools they need to be successful entrepreneurs. This isn’t just the microloans we provide, it’s also extensive training and guidance on things like budgeting, inventory management and more. 

Being an entrepreneur means continually learning and growing. Here are some resolutions for entrepreneurs to keep growing their businesses into the new year:

SKIC beneficiaries at an entrepreneurship training.

1. Prioritize your physical and mental health.

When your business is you, it’s all the more important that you’re healthy both physically and mentally. Assess your lifestyle and working habits and ensure you’re making time for sleep, exercise and relaxation and that you’re not in danger of burnout. If these means working a few less hours a week, it’ll be well worth it.

2. Keep learning.

Odds are there’s a class you’ve always wanted to take, a skill you’ve always wanted to learn, or a book you’ve always wanted to read. Make 2022 the year you do it, and your business will grow with you. 

3. Assess your vision, mission and values.

Don’t have vision, mission and values statements for your business? Make a goal to write them by the end of the year. Already have them? Sit down and assess if your business’ direction continues to be in line with these statements, and what you wanted to achieve when you started on this journey. If your direction has changed, it’s time for an update to your vision, mission and values statements (and possibly your overall branding).

4. Rethink how you hire.

Hiring the right people is crucial to the success of your business. Having a formalized process for how you recruit and hire can ensure you’re finding people who have the skills you need and are a cultural fit for your organization. The new year is also a good time to reflect on what kinds of voices are currently missing from your team, and to take steps to rectify that.

SKIC beneficiaries at an entrepreneurship training.

 5. Delegate more.

Our founder often talks about how one of the keys to SKI Charities’ success is delegation. Once you have the right team in place, letting go of control and giving team members ownership of the work they are doing not only takes tasks off your plate, but will make your team more satisfied and connected to their jobs—and likely make your ship run smoother.

6. Devote time to your business’ culture.

Even if you’re a solopreneur who works with a few part-time contractors, your business has a culture, and it deserves some thought and intention. A healthy culture helps with morale, staff retention, and quality of work—plus, don’t we all want to feel happy and supported at our jobs?

7. See where you’re spending your budget.

Take a look at last year’s books, and notice where your business’ money is going. Is your small business supporting other small businesses, or do you mostly work with big corporations? Are any of your contractors Black- or woman-owned businesses? Your dollars are powerful, so make sure the way you’re spending them is in alignment with your business’ values. (Which doesn’t have to mean spending any more money!)

8. Give back.

If you ended the year in the green, consider donating a portion of your revenue to a cause that you believe in. Even if the budget is tight, there are ways for your business to make a difference—whether that’s instituting a quarterly volunteering day, or using your platforms to uplift important issues.

The Health Crises in Chile and Zimbabwe, and How We’re Helping

SKI Charities’ mission—to bring entrepreneurship, education, and empowerment to women in Lebu, Chile, and Mutare, Zimbabwe—extends beyond providing loans to SKIC participants so that their businesses can begin to take shape.

We also work with women to build the confidence they need to network, achieve their goals, stand up to oppressive figures in their lives, and adopt healthy lifestyles. In doing so, we help combat both physical and psychological health issues that many women in Lebu and Mutare face. By equipping them with concrete skills and self-esteem, they gain the courage to create supportive infrastructures of their own, independent of the political ones that oppress them. With strong support systems and positive attitudes, many of these women are able to avoid mental health issues and even to deflect physical ones.

We talked to our founder, Shyam K. Iyer, about the complications that many women face in Chile and Zimbabwe—and how the confidence they develop in SKIC programs helps them surpass these health-related obstacles.

Tell me about some of the health complications people face in Lebu.

I think some of the issues in Chile start with the fact that it’s a very conservative country. The laws have been very patriarchal for many many years. I was stunned to hear that the right to divorce for a woman was only granted in 2004.

Then when you go to a place like Lebu, domestic violence is a big problem there. HIV/AIDS, while not a big problem, is definitely rising. They have very strict reproductive rights. 

And what about the complications that women face in Mutare.

Well in Zimbabwe, the story there is pretty similar to what you get in all of sub-Saharan Africa. HIV/AIDS is a major issue. The education behind having safe relations and being responsible when it comes to sexual health, that is still trickling down, not too many people receive that information.

And in a place like Zimbabwe that has been struggling so much with infrastructure, with investment, they have problems that have been otherwise eradicated from a health perspective. Things like cholera, the water isn’t clean. And that leads to other things like the mortality of mother and child during childbirth. People are at the mercy of the economic system and they don’t have a voice. They are going to struggle to change that and people are going to struggle to change it for them.

Can you talk about some of the psychological health issues in these areas?

That’s a big thing about what we do at SKI Charities because bottom line is, we’re dealing with women who are disenfranchised, economically excluded, and most likely have very little formal education. I wonder how hard it must be living day to day there. These are also patriarchal cultures where women are expected to take a step behind men and defer to men who themselves don’t exactly have their act together.

We always preach confidence, and all of our efforts are designed towards psychological health. That’s really where our team has done a great job. Our project managers know they are a source of support and confidence for these women. That we hope will bring them independence and mental strength. In the end, it’s up to the women to take control of their lives, but we’re going to do our best to help.

Are there any preventative measures you can help these women take, whether steering them towards vaccinations or providing mental support?

I think the whole idea of what we’re trying to do with SKI Charities is to put women in a position to be able to make those decisions and have the wealth to act upon what’s good for their health. Of course, earning money gives them access to medical care, hospitals, and even more abstract than that, they’re doing business, they’re trading in the community. It makes them more engaged, it makes them more knowledgable about what’s going on, they can hear about what hospital is good, where they can get their meds, where the resources are available.

Of course, it’s impossible to eliminate health risks, that’s something that we all deal with day-to-day. But we just want our beneficiaries to know that health is the most important thing, you cannot make money without good health. But then of course, without the money you can’t have the good health, so it’s a complicated situation. We’re not a health organization. When we choose women we don’t care about preexisting conditions or if they’re in a tough spot in terms of health. We just want them to work hard and understand that their health is really important.

And if they do encounter health issues, how do you help them through it?

We hope that they’ve built up enough of a system around them so that they can get people to support them. To be honest, whenever I visit them, beyond talking about their business, I always encourage them to plan for the worst and hope for the best, and part of that is their health.

You can also listen to this interview on SoundCloud.

Celebrating Indigenous Culture At Our Chile Site

Whenever our founder, Shyam K. Iyer, visits our site in Lebu, Chile, he returns inspired by the crafts, textiles, and food being created by SKImfi microfinance beneficiaries of indigenous Mapuche heritage. SKI Charities aims to give women a path to start and grow sustainable businesses that encourage them to utilize their culturally-embedded skillset.

We talked to Shyam about the progress we are making in Lebu to preserve the traditional Mapuche culture.

Tell us about the indigenous Mapuche people in Chile.

They’re indigenous to the Southern part of South America, mainly Chile and Argentina. It’s a similar culture to the Native Americans here in North America, in the sense that there’s a strong focus on local resources and sustainability. In fact, all the work our beneficiaries do in Lebu is all handmade and natural. The world Mapu means Earth. So the name means “people of the Earth.” And that is a part of their daily lives and it’s a part of everything our beneficiaries do.

What sort of work are the beneficiaries doing?

They do work in food, crafts, clothing, textiles. All of the work benefits the communities and supports their culture. It’s all handmade. Most of the knowledge in these areas comes from women to women. So focusing on women makes a lot of sense here. 

Tell me about the food.

The food is probably my favorite part because I get to sample it! It’s all locally sourced. It’s a fishing village, so there’s quite a bit of seafood in their cooking. Some of it is served in the ceviche style which is raw and marinated in lemon juice. But it’s all locally caught fish. And one of the other areas that I was surprised by but shouldn’t have been is their focus on chocolates. One of our beneficiaries creates chocolate with local Mapuche fillings, so things like pumpkin and chile. I was able to try the different arrangements she had and it was really tasty and it’s something I don’t think we find in many parts of the world.

Where are these products typically sold?

Most of these products are sold by women individually out of their kiosks and their stores. A couple of them have such strong demand—and I can attest to how much I would love to buy from them—that they sell from their own houses; people, restaurants, small shops come to them, they buy an array of chocolate or prepared foods that they then take back. 

Tell me more about the crafts. 

The crafts are really unique. It’s all locally sourced, so if they’re making something from leather, it’ll be from local animals. I was also really interested to see that they make purses and pouches made of skins from fish. This is locally caught fish, fish that’s already being used for its meat so it’s all done in a sustainable way.

The other thing I like to see is the strong belief in silver; and how the silver metal is very healthy and how there’s good luck in it. They make a really large amount of jewelry out of it. And this jewelry displays symbols of their culture. So you’ll see rings with a small symbol of Mapuche women. The jewelry itself is made of local silver and the jewelry is representative of their culture. It’s really an amazing thing to see.

And you said they also do a lot of clothing and textiles too, right?

Yes, that’s right. And clothing is the biggest symbol of Mapuche female culture. They make ponchos, headdresses, scarves out of leather, and local wool. In fact, one of our beneficiaries who makes these products out of wool assured me that the Mapuche sheaf is warmer than anything the Europeans ever brought to them because of the secrets of Mapuche animal rearing. I couldn’t test that, but you can tell that’s it’s really solid and really well-made. And when they color these wools or other materials they’re using local vegetable dyes. It’s all clean and it’s all sustainably sourced. That’s something they’re really proud of.

This kind of textiles and weaving is performed exclusively by women. The loom that they use symbolically represents the spirit of the Mapuche people. So it’s something that is deeply held by them, it’s passed on from grandmother to mother to daughter and it’s something that’s very important to the female Mapuche culture and the beneficiaries that we help.

Is there a community of women outside of SKI beneficiaries who are able to make a living out of this kind of work? Is it lucrative enough for them; are they able to sustain themselves?

I would say that most women have this expertise, it’s something they were taught when they were young and it’s something they all have in their genes. But it does take capital, it does take money in order to buy the raw materials, in order to buy the machines, and of course to be able to make it to a quality that they can then sell and it make good business out of it. Too many women I meet are unable to do that. Those who have been able to join SKI Charities, especially our SKImfi microfinance project, they’ve been able to expand their businesses or start their businesses. 

It seems like all of these skills are skills they’ve had for a while because they’ve been part of the Mapuche culture. But they don’t necessarily have the skills to make sustainable businesses for themselves. But that’s where SKImfi comes it, because it allows women to enact their culturally ingrained skills and put them to use.

Right, it’s expertise that’s passed down. SKImfi exists to support these women and to promote that knowledge and that culture. But unfortunately, unless it’s a business, unless it’s profitable, most of these women will not see a reason to continue with these skills. They’ll go to Santiago to work in an office, or even within their own community they’ll decide to do something that does not allow them to pass this information on. So the most important thing, besides good business, is preserving and promoting this culture.

Do a lot of these women have children who are able to witness their mothers’ creating and making and cooking?

Yes. When I visit, they’re always accompanied by their daughters. These are all large families and of course we support these families being strong and together. I always encourage our SKImfi beneficiaries to make sure their daughters go to school, that they pay their fees and everything goes well in that sense. But of course, they are observing their mothers and they’re seeing their mothers are role models and good businesspeople. There’s nothing bad that can come from that. They need to see their mothers doing it, and they need to see their mothers succeeding at it in order to want to continue the family work. 

You can also listen to this interview on SoundCloud.

“I Feel Like An Empowered Woman”: Meet Our Beneficiary Nataly Becerra

Nataly with SKI Charities’ program manager, Anita.

Before Nataly Becerra became a SKI Charities microloan beneficiary, she was relying on income earned selling snacks at her children’s school at special events and holidays. “With the few resources I had, it was difficult for me to sustain my business and support my family,” she says.

Despite her circumstances, she “radiated confidence,” says our program coordinator on the ground in Lebu, Chile, Gaby Lopez. “The first thing we noticed was her perseverance and enthusiasm, and the clarity of what she wanted for her business,” Gaby says. “It was all based on her self-reliance to support her family.”

Her enthusiasm and potential made Nataly a perfect candidate for a microloan—and she’s lived up to expectations. Nataly now has a successful business selling cakes, tarts, pies, bread, dough and more. Thanks to her microloan, she’s been able to purchase a refrigerator, a generator and a popcorn machine, which have allowed her to produce more goods and work more consistently, and even lease her supplies for events. “I have been able to sustain my business and expand my business,” she says. “With this project, all the expenses of my home are 100% supported, and I feel like an empowered, self-sufficient woman who wants to move forward and specialize my business.”

Nataly with some of the purchases she was able to make with her microloan.

Nataly’s dedication to her work and her family is part of what makes her so successful, says Gaby, but she’s also an innovative businesswoman who knows how to make smart investments and use her resources strategically.

What’s next for Nataly? Her goal is to open her own amasandería, or bakery where she can sell a wide variety of quality products. According to Gaby, Nataly has everything it will take to make that dream a reality. “We have seen her empowered, fulfilled, happy and with many ideas and tools to continue advancing in her entrepreneurship,” says Gaby. “What surprises us about her is the joy she places in what she does and her willingness to reinvent herself. She has been able to get up from all the difficulties she has faced as a determined woman.”

Through it all, her microloans have been the fuel propelling her towards success. “It means a lot to me,” says Nataly. “They gave me help without knowing me. They trusted in me, and that made me believe that I could. It gave me the push I needed and it keeps doing it.”

 

Why Microfinance Was the Perfect Fit for SKI Charities

When Shyam K. Iyer first began SKI Charities, there was no question that microfinance would be the best method for him to execute his vision. Though the effectiveness of microfinance has been questioned since its rise to prominence in the early 2000s, Shyam stands by it as a powerful way to provide people with autonomy, responsibility and confidence.

We got Shyam’s take on why microfinance has been an ideal choice for SKI Charities:

A lot of sources question how sustainable microfinance is for beneficiaries who graduate. What happens when a woman graduates and is on her own?

Shyam with a Chilean beneficiary

For SKI Charities, the goal of sustainability is the most important factor in the entire program. We want to be in the countries that we’re in for many, many years. Sustainability means a lot. When women are participating in our programs, they’re learning skills; they’re also becoming more confident, becoming more independent. And that plays right into being on their own when they have graduated the program. The sustainability comes not just from the wealth they’ve accrued as participants but also in the strength that they have, their ability to stand on their own, to take risks, to work for their family knowing that they’ve succeeded before and now they’ve been set up to succeed on their own.

It seems like these women have picked up skills that aren’t just related to how to sustain a business. They’ve picked up skills like self-confidence and responsibility. How do you teach these kinds of intangible things at SKI Charities and how integral is that to your program?

It’s hard to teach. We have people teaching business skills, bookkeeping skills, but how do you teach someone to be strong and independent? That is best taught through experience. So, we set them up to have their own businesses, to take responsibility for their actions and their money and through their participation in their own business, in entrepreneurship, they’re able to develop that strength on their own. Developing it on their own is so precious to them and makes it sustainable. Because they did it on their own, they believe in it. It’s not what someone told them to be, it’s what they are.

Shyam with beneficiaries in Zimbabwe

What about when there’s some sort of emergency and they can’t keep up with the program?

Where we operate, public health is an issue. Many of these people are so poor they can’t go to a hospital, they can’t go take care of themselves, they need to make the money first. It is a real challenge for them. We’re hoping that our participants will have enough time in the program to start creating a bit of wealth for themselves and their families and working with people around them who can support them if they are sick. And thinking more long-term, they have people working for them, they have vendors relying on them, so if at any point they drop out or have difficulties keeping with the program, they will have others who have benefited from their participation and who will hopefully support them and get them back on their feet.

Another concern is accountability. Without collateral, how do you trust participants to operate honestly in these otherwise poorly-regulated markets?

This is the real risk of microfinance for the people on our side. Of course our participants cannot provide collateral or any type of requirement that a regular bank would need. But the reason we’re in these locations is that we feel we can push through that based on the reputations of these small communities, based on their knowledge of the local market. We believe that by trusting people who have been properly vetted by our staff, that trust is something they’re going to want to repay us as well. So they’re going to want to make sure they do the job they set out to do. When you trust in somebody, when you show that you believe in them, more often than not they will return that favor to you. 

And there’s the lengthy process that beneficiaries go through. We’re also interviewing their families and determining who would reap the biggest benefits. When you invest that much time and energy into one individual, it’s way harder for them to betray your trust.

That’s a great point. Our staff does a really great job. They’re on the ground every day looking after the participants. And our staff is part of the community as well so our beneficiaries don’t want to let them down. They want to work together, they want to succeed together. So there’s a lot of emotional connection that helps us when operating in the micro bank. 

And if you were larger scale it would be harder to monitor people’s progress. It’d be harder to monitor participant responsibility and sustainability. 

Shyam with a Chilean beneficiary

I agree with that. We do want to grow and become larger scale. We’re hoping that our community anchors and adding more like-minded staff will help us manage that risk as well.

When you were first starting, did microfinance feel like the most logical path to execute your vision?

Yes, microfinance was exactly the way we thought we could empower the economically excluded in as short a time frame as possible. We want people to feel like they’re part of a broader economic system. We want people to feel like equals, like they are empowered to take control of their own lives. And the best way we feel to do that is through microfinance. Provide them with capital, treat them as if they’re coming to a regular bank. Believe in their plans to be entrepreneurs, to have their own businesses and to take control of their own lives. There’s a lot of other great ways to assist people. SKI Charities works on scholarships and we work to support people in a number of different ways. But microfinance was always our first choice because of how much faith we have in the people and their own talent.

You can also listen to this interview on SoundCloud.

How Financially Empowering Women Can Reduce Domestic Violence

The United Nations Population Fund reports that in Zimbabwe, 1 in 3 women age 15 to 49 have experienced physical violence and about 1 in 4 women have experienced sexual violence. UN Women reports that 35% of women in Zimbabwe have experienced physical and/or sexual intimate partner violence. The Zimbabwe National Statistic Office reports that from 2010 to 2016 there was a 42% increase in rape cases—at least 21 people being raped every day. They also report that 78% of women who have experienced violence claim it was at the hand of their husband or partner.

All of these numbers are likely low considering that many women don’t report domestic or sexual violence. The ongoing prevalence of child marriage in Zimbabwe and the country’s economic crisis don’t help matters.

Indeed, violence against women and domestic violence is unfortunately still a problem across the globe. Though there are many factors that enable this pattern to continue, we’ve identified one that we are working to rectify: The financial disempowerment of women.

When women don’t have the opportunity to be financially self-sufficient, it’s easier for them to get stuck in relationships that are abusive. According to Oxfam America, the financial empowerment of women can also “increase women’s household bargaining power and ability to leave a violent relationship,” and decrease household poverty, which in turn can relieve the factors contributing to domestic violence. And though how much money women earn shouldn’t determine how much they are respected by their partner, increased income can indeed lead to added respect and subsequently less domestic violence.

microloan beneficiary

One of our microloan beneficiaries.

And on a community level, Oxfam reports, women’s economic empowerment can help change the attitudes that perpetuate patterns of domestic violence, and reduce the acceptance of domestic violence. 

The relationship between women’s empowerment and domestic violence shifts based on cultural factors in any given area. And there is much more than financial disempowerment perpetuating violence against women. But we believe that the focused work that we do—providing women in rural Zimbabwe and Chile with microloans to fund their own businesses—chips away at domestic violence, one microloan at a time.

Here’s What You Should Know About the Indigenous Mapuche People of Chile

Indigenous peoples throughout the Americas—and throughout the world, for that matter—have had to face the brutal force of colonization for hundreds of years. The native Mapuche people of Chile, who we serve through our microfinance and creative arts programs, have been a model of resistance against colonization and oppression. Even today, those left in Chile are fighting to preserve their unique cultural traditions and history.

A man and woman, from 1890. Photo via Wikimedia Commons

Here’s what you should know about the Mapuche people:

Mapuche means “people of the Earth,” and a connection to nature is an important part of their culture. For instance, they still use natural medicinal techniques using ingredients culled from the land.

Medicine women treating a patient. Photo via Wikimedia Commons

They are the largest ethnic group in Chile, with 10% of the population identifying as Mapuche. They make up 80% of Chile’s indigenous population. Some also live in Argentina.

They have a long tradition of handmade artisan goods, including weaving and silversmithing. Weaving in particular is passed down from woman to woman.

Some of our beneficiaries are keeping traditional weaving traditions alive.

They are still fighting for their land—and for the preservation of their heritage. Despite fierce resistance, the Mapuche people have historically been forced to assimilate and to move off their land, and the struggle to preserve indigenous land and traditions continues today.

They are still fighting for their rights. Photo via Flickr

“Mapuche” actually refers to several groups of indigenous peoples, including the Picunche, Huilliche and Moluche.

“Machis” in 1900. Photo via Wikimedia Commons

How Our Programs Help Single Mothers

There’s a lot of stigma around single motherhood—after all, many mothers today choose to raise children on their own. And in the U.S. studies show that children raised by single mothers aren’t necessarily at a disadvantage to children from homes with two parents.

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

But in Zimbabwe, where there’s an ongoing economic crisis, the financial hardship that most single mothers face can’t be ignored. The country has an extreme cash shortage, and many women spend hours each week waiting to get cash from the bank. For single mothers, this poses a particular challenge—not to mention the cost of raising children on a single income and the scarcity of jobs overall. (Of course, in Zimbabwe it’s more common than in America to live with extended family members.)

Single mothers in Zimbabwe face challenges both in their careers and in providing education for their children. And though none of our programs are aimed specifically at single mothers, both our microfinance and scholarship work helps empower women in this situation.

When the burden of childcare falls on a single parent, it can be difficult for that parent to have time to pursue a full-time career, particularly if they can’t afford to hire outside childcare help. By providing microloans to women in Zimbabwe and Chile, we give them the opportunity to build a career on their own terms and on their own schedule.

Managing the costs associated with education is a problem for many families in Zimbabwe; single-parent families face an even tougher burden. That’s why our scholarship program identifies girls at a young age, and provides all costs associated with their education. Right now, two of our scholars come from single-mother homes, and six of our veterans do. (One current scholar comes from a single-grandmother home.)

Single mothers deserve the same opportunities as everyone else—as do their children. We’re proud to do work that helps give them those opportunities.