SKI Charities

Archive for early-stage scholarships

Why Early-Stage Scholarships? (Part 3)

In parts 1 and 2 of this series, we reported that investing in early-stage education makes social and fiscal sense for both the recipient and the community. In this post, we’ll explore how, relative to later interventions, early-stage intervention is remarkably more effective and much lower in cost.

2014 SKIpgo recipients and their families

2014 SKIpgo recipients and their families

Policies that aim to repair educational deficits from early years are more expensive than smart investments made during childhood. As James J. Heckman asserts throughout his work, as a person ages, the cost of remedying early education deficits increases. Moreover, attempts to recoup these deficits later in life are often ineffective, even with vast funding.

In a 2006 article published in Science, Heckman emphasized that early interventions are even more effective than later interventions such as smaller pupil-teacher ratios, convict rehabilitation programs, public job training, or tuition subsidies.

Beyond being more effective, early interventions also produce greater returns than later ones. In Gary Becker’s 1964 paper on human capital, he showed that the return is higher on human capital when it is spent on young people. According to Becker, because they generally have more life left to live, there is a longer timeframe for investors to see returns.

Through investments in young girls, SKIpgo is reducing the long-term expenses for their communities and preventing late-term reparative costs. SKIpgo is a small program, but it is flourishing.

“As we grow, we will stimulate growth in more and more communities,” Shyam says.

Read Part 1 and Part 2. 

A Word with our SKIpgo Zimbabwe Program Manager

Elizabeth, our program manager for SKIpgo-Zimbabwe, discusses her work with SKI Charities and her passion for child development.

In your own words, what is your role in SKI charities?

I work for the SKIpgo Zimbabwe Trust, one of the projects run by SKI charities in Mutare, Zimbabwe. I recruit candidates who are eligible for the scholarships we offer. In the process, I conduct interviews at our office for the eligible candidates. I also do home visits to really get to know our candidates, where they are coming from and how they live with their families. I monitor our recruits’ academic progress and also how well they abide by the rules of SKIpgo Zimbabwe Trust.

How have you seen microfinance improve women’s lives?

Microfinance has tremendously empowered women who were before looked down upon and were always dependent on their husbands or others. In Zimbabwe, large swaths of men are no longer able to work because most industries have shut down lots of jobs. Microfinance has enabled women to start their own businesses, to take care of their families.

What path brought you to this work?

It is so exciting that people really want to help the girl child. I was so willing to work in this project because I have seen women suffer a lot, and this charity reaches the children who are involved in that suffering. I have always had the heart and desire to help and protect women and girls because I believe that strong, educated women will make the world a better place.

What about your job inspires and motivates you?

I am inspired by so many people and things. SKI Charities’ founder Shyam is male and has a heart that bleeds to help empower women. I am touched by such events. As a woman, I feel I have an obligation to help other women accept and support each other to achieve our goals. Also, my mother has worked so hard to get where she is now. In her small nursery, she has produced doctors, nurses and teachers, which motivates me as well.

Through your work with SKI Charities, is there any one story, event or person that sticks in your mind as meaningful to you?

I have worked with so many families through SKI Charities, but one family particularly touched my heart. One of our four-year-old scholarship beneficiaries lives with her mother and grandmother in a one-room house that they divide into two rooms with a curtain. One day when I went there for a visit, the grandmother was in tears of joy and so thankful that her grandchild had improved so much academically, socially and behaviorally. SKI Charities truly gives hope to the hopeless.

Happy 3rd Birthday SKIC! – Zimbabwe Photo Journal

SKIC beneficiary, Mutare, Zimbabwe

SKIC beneficiary, Mutare, Zimbabwe

In October of 2010, Shyam K. Iyer began SKI Charities. Two countries, three projects, and hundreds of beneficiaries later, the organization is now celebrating it’s 3rd birthday. And we are just getting started.

To celebrate the occasion we commissioned a photojournal of our very first project, the SKImfi Microfinance Institute in Mutare, Zimbabwe. To view the portraits of our beneficiaries and team, click here.

As we continue on our journey, please stay in touch:
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A Conversation with Shyam: Inspiration Found in Local Mapuche Craft-Making and Cuisine

Hand-made Mapuche Jewelry

Shyam returned from his most recent trip to Lebu, Chile 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.

Listen in to hear more about the progress we are making in Lebu to preserve the traditional Mapuche culture.

Why Focus on Women?

SKI project manager, Anita, with beneficiaries in Lebu, Chile

SKI Charities founder Shyam has been asked why it is that the charity focuses exclusively on women. When he visits town halls and communities to tell them about SKIC, plenty of men attend. Some of them jokingly (and others more aggressively) ask him, “Why are we not included? Why do you just focus on women? Is this reverse sexism or reverse discrimination?”

Shyam reasons that it is an effort to level the playing field. He tells these men, “We’ve had our opportunity and continue to receive so many chances. You see what our women do, what our mothers, sisters, and daughters do for us. They add to the community. They will add even more to your own life!”

Though SKIC would ultimately love to reach out to beneficiaries regardless of gender, some of the choice to work exclusively with females comes from having to carefully manage its resources. “We want to optimise our reach, in as many socially constructive areas as possible,” Shyam says.

“By no means am I saying that boys don’t deserve the same scholarships or men the same capital. But the communities we work in are very traditional, impoverished communities. Our observation has been that more men control the household finances and more boys than girls are given the opportunity to get an education and are encouraged to strive for something more. So when we think about our broader goal, it’s not about favoring females or choosing sides through microfinance or scholarships, but simply leveling the playing field.”

Shyam also points out that microfinance, in its most successful incarnation, was directed at females. Muhammad Yunus, the Nobel Prize Winner from Bangladesh, pioneered microfinance on a large scale and chose to focus on women. “He did this for a reason,” Shyam says.

“When you empower women, you truly support the entire community, not just an individual. When a woman is empowered and starts to earn wealth, what will she do?  She will grow her business, which will then hire more people, which will in turn support more suppliers. When she makes money, she will put her kids back in school, which of course increases the overall education of a community. And she will start to tithe more consistently to her church, which will further strengthen the community. As she becomes more prominent to society, she becomes respected as a leader and a role model for younger people. It’s all textbook spillover effects. The point I’m trying to make is, if you want finance go further, there are studies and initiatives and our own experience demonstrating that the best way is through women.”

Though the men in Lebu and Mutare are an important part of SKIC – “their support for their wives and daughters is integral to our efforts,” Shyam notes – the goal of the charity is to use the resources available to reach as many people as possible. As women gain more strength in these communities, it becomes more and more clear, through simple observation, that they put their energy and their earnings back into their communities and their families. So while on the surface our mission is directed at individual women, communities at large are the true beneficiaries.

Why Choose Microfinance?

Founder Shyam K. Iyer discusses the basics of SKIC’s SKImfi program.

“The term ‘micro,’ at least to me, connotes community-mindedness. The business efforts of the women we work with aren’t global. They focus on very small economies, on their individual communities, and, if nothing else, SKI Charities is a community-minded organization. We believe that focusing on these small areas in a micro sense supports these women’s own ideas of community and responsibility.” -Shyam K. Iyer

Why choose to help women through microfinance?

This process is about getting more women involved in a system where they can feel confident by building their wealth through self-employment. There are a few other ways of doing that than micro-finance. In my own experience, when I’ve just been given something, I’ve never treated it very dearly or importantly. But when I worked for something, just as these women work with their loans and pay them back, I felt like part of an equal opportunity. When you’re doing microfinance at such a local level, it’s not solely about these women creating their own wealth and creating their own businesses.
There are amazing spillover effects. They often start by paying their kids’ school fees with some of the money they make, which is great in a social sense, as it encourages schools to operate better. Further, the women in SKImfi may hire some of their friends or sisters to work for their business. That’s another spillover effect. And to support their businesses, they buy from other suppliers, who aren’t a direct part of our program but benefit from its existence. The work these women do and the products they provide stimulate the whole community, and SKIC’s goal is to grow and continue to stimulate more and more communities.

Will you give us a bare bones explanation of microfinance?

Like we discussed in our spring blog post, Microfinance 101, it’s 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.
Think about people who do have all of those things. They go to a bank; they present their resumes, their background, and they ask for a loan to do whatever they have a plan to do. Then they get the loan with the expectation that they’ll pay it back. Through microfinance, we deal with people who don’t have that track-record, resume or anything else to support their need of a loan.
We support these women with loans that are very small, based on the expectation that they never got the chance to put that story together. The key to this is that they have the same potential as those who are privileged enough to go to their local banks. So they get a very small microloan from SKIC, and they are expected to pay it back just like you or I would have to go to a bank to pay it back.

A Conversation with Shyam: Where We Are and Where We’re Going

For our fourth SKI Charities podcast, founder Shyam K. Iyer sits down to discuss why he chose to begin the charity in Mutare, Zimbabwe. He goes on to talk about how he chose the second charity site (Lebu, Chile) and what the similarities are between the two.

Listen in on the discussion, and hear Shyam’s thoughts on potential future locations for SKIC!

Why Zimbabwe?

When he first began SKIC, Shyam was asked countless times why he didn’t start it in India: “You’re of Indian origin, everybody is already there – why not go there too?” And that’s exactly why he didn’t. Shyam reasoned that, while there is plenty of demand in India, there’s also plenty of supply. He wanted to go somewhere where the supply was not meeting the demand, a place where he could truly help.

The place on his mind was Zimbabwe. In going to the London School of Economics, Shyam became good friends with a number of people from Zimbabwe, which was where he first became familiar with some of the country’s characteristics. “There’s a huge Zimbabwean contingent in London, mainly because of the political problems in their home country. But also because it’s a culture that values education and entrepreneurism a great deal. I learned all of this by studying in London with a number of people from Zimbabwe – and I was always impressed by them as students, and as people.”

Zimbabwe earned a special place in Shyam’s heart then, but it wasn’t until later that he thought to make it such a big part of the charity – and of his life. His previous job required him to do a lot of work in southern Africa and through that he got back in touch with his close friends whom he had met in London. They told him not the believe the headlines about Zimbabwe and encouraged him to go there. Shyam had always told them,

“I’m happy to do something positive, but where can we, with our limited resources, make the greatest impact? Whether financial resources or intellectual resources or energy, we want the most bang for buck. That’s the way to maximize your impact. So I went to Zimbabwe because I had a feeling we could make a positive and unique impact there. And that’s exactly what I found; these are people who are English speaking; they’ll get an education if it bankrupts them, very smart entrepreneurs, very globalized. They understood what it takes to make something from nothing.”

When Shyam made his initial visits, he realized how isolated Zimbabwe was – the entire world had turned their back on them because of an old ossified governing elite, who had no idea what was happening at the grassroots level. And the people were punished for the transgressions of that elite. “I knew that it would be the perfect place for us to go working, at least for us to do our development work,” says Shyam.

Shyam deliberated about how to engage Zimbabwe. He wanted to help and they needed help – but how? He realized that microfinance was the ideal approach because it was a concept that tapped into their entrepreneurial spirit, and their community-mindedness as well. Shyam notes,

“They are very focused on local business, local economy, creating value locally. But it also was sensitive towards their pride. Zimbabwe people are very proud. Since their independence in 1980 until about 2000, they led Africa in literacy, economic productivity, and were revered as the breadbasket of Africa. They’ve always been productive people. They’re very proud of their culture and of their history. So I knew that they did not just want to be handed out money. I knew they wanted to be treated as equals, as members of the global community, because there was every reason saying that they were going to break out of this funk very soon. Micro-finance was so ideal for their situation. ”

He continues, “In Zimbabwe, as far as I could tell, we were the only people providing microfinance on a not-for-profit basis in the entire country. At least from a point of view of being registered as a proper not-for-profit. There are plenty of people making loans for profit, and there are people doing it informally in a not so organized way. When we started in 2010, nobody else was doing this.”

And so Shyam found his place – one where there was demand, but not much supply. And one in which the people didn’t want to be handed money, but wanted to work for it. Three years later, and SKImfi participants continue to astound Shyam with their innovation, drive, and entrepreneurial skills

On the Right Track: Early Stage Scholarships in Zimbabwe

Shyam readily – and fondly – recalls observing young girls in Zimbabwe skipping their way to school at 4:30 in the morning. It’s a memory he can recount in vivid detail – and one that certainly left an impression on him. “There’s nothing like the sunsets and sunrises in Africa. The soil is blood red, the trees are the darkest of greens, the stars are fading. It is unbelievably peaceful. On this particular morning, these five or six young girls, their hair done up and their uniforms beautifully starched, skipped by me, so eager to go to school. It was just a regular day, but they were so excited – even despite having miles to go.”

Inspired by this enthusiasm, Shyam started SKIpgo, a SKI Charities program focusing on early stage scholarships. He believes that early-stage learning is the most important part of someone’s education, because it’s where you can make the greatest impact.

SKIpgo participants range from three to five years of age and are taught good study habits, and even simple things like hygiene, self-respect, and respect for others. The schools that these girls are placed 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 that in them from the very beginning, they grow to become the leaders of their community, to be civic-minded women, and to prioritize education. They’re like sponges at that early stage. They absorb everything.”

The SKIpgo scholarship is also a preventative measure. A lot of women in developing countries go down a different path, where education isn’t prioritized. Some women get pregnant very early, or don’t have the confidence to say ‘I’ll have a husband later. I can do that when I’m in my later teens or 20s. Let me get an education first, because that will strengthen my family and my future, and the future of the community.’ The scholarship incentivizes education, something that many Zimbabweans already place a lot of value on.

Scholarship recipients are chosen by the SKI Charities’ local team. Elizabeth, our project manager in Zimbabwe “talks to trusted people in the community to get references on girls ages 3-5 who are needy, from a financial point of view, but who come from families and environments where they will be given the opportunity to maximize their educational potential.” Our local team makes sure that participants are supported by their families and encouraged by their parents to study and work hard.

Usually, the pool of potential SKIpgo scholars is 2-3 dozen. Elizabeth whittles that down to a short list of ten, by interviewing them and ensuring that the candidates will have the potential to grow into their educations. Because SKI Charities can only control the financial part of it, it’s important that we make sure the girls are coming from a home that encourages early stage education, studying, and female empowerment. “The home environment is something we don’t have control over,” Shyam contends, “So we try to gauge that in the interview process.”

After selecting candidates (so far, four per year), we choose the schools they attend. “We vet every school in the community,” Shyam asserts. “Some schools are run as businesses and try to make as much money as they can. Others have a history, have strong teachers, strong facilities, and we want to direct our girls towards those schools. That way, there’s no reason for them not to succeed in their education.”

Every term, the girls are monitored on their performance. We talk to their teachers and their parents. Ideally, we would continue to support these girls every single year, but it’s just not feasible. The idea is to get them off on the right foot, and to ensure, to the best of our ability, that their families will continue to support their education. SKI Charities is there for financial support, but ultimately, it is the girls’ home life that will determine their success.

The hope is that these girls will begin to value their own education from an early age, and from there, continue to push themselves. It will require self-initiative to do that, as well as a positive familial infrastructure. But the first step, providing the opportunity for growth and success, is just the open door that these young girls need.