Rosana Mitil – At Graduation

Though she far from satisfied with where she got through 18 months of work in the CLM program, Rosana was happy to be at graduation and happy about the progress she’s made. “I’ve my livestock is increasing, and I don’t owe anything to my savings and loan association. I signed up for another year in the association, too.”

She likes the association, because her house full of children makes managing her cash flow a constant challenge. “If you are at a loss for a small sum to get something important done, you can borrow some money from the association and unblock your path.”

Her boys still help her take care of her livestock. She keeps goats and a pig. She worries because she thinks that other CLM members are already selling off the livestock they built up in the program. She herself, however, insists that she won’t do the same. “I don’t yet have goats or pigs to sell. I’m still working to increase what I have.”

She works hard to keep her small commerce going. It’s extremely difficult because she has so many mouths to feed. It takes great discipline because she sells basic groceries – rice, oil, and sugar – and could always add more to any meal she prepares.

But even with the progress that her livestock and her commerce have made, she still thinks of them as sidelines. Her main enterprise is farming. Though the decision comes with risk, she decided to invest all her proceeds from the saving association’s first year into her fields.

Her husband and her oldest son work as part of a team. Team members take turns working in one another’s fields, and they also sell labor to outsiders. It means saving a lot of money. Her fields were worked for nothing as part of the arrangement. Even so, she had to come up with the money to feed a team of 17 men every day they worked. And that was after spending money on the seeds they would need.

If her harvest is good, it will have been worthwhile. Rosana’s plans for the future involve a big increase in her expenses, and she’ll have trouble succeeding unless her farming takes off. She wants to rent a room near downtown Laskawobas for her children so that they can go to school there. She says that they’ll be able to attend much better schools than the one they attend now in Mawotyè, and the walk back and forth will be much easier than the hike up and down the mountain that they are stuck with now.

Laumène Francois – At Graduation

Laumène has been struggling for a long time. She and her first husband lived with their two kids just up the mountain from where she lives now, but poverty drove the man to leave for the Dominican Republic to try to earn a living. Not long after he left, she heard that he had been killed by a gang of livestock thieves.

She and her children moved in with her parents when her late husband’s siblings drove her off the family’s land. She stayed with her parents until she became partner of a man who already had a wife. He built a shack for her on a corner of his land, and that is where the home she built with the CLM program’s support now stands. She had more children with this second man, but as his secondary wife, she could never count on his full support. When it was time to graduate, he was not the one she invited to enjoy the celebration with her. Instead, she asked her daughter to come from Port au Prince. The younger woman came in the role of her mother’s godmother, appearing at the celebration with a graduation gift in hand, her one duty as godmother.

Laumène appreciated the present, and she enjoyed the graduation, but the certificate was the most important thing about graduation to her. “I’ll always be able to look at it to think about the program I was part of.”

In many ways, she flourished as part of the program. She is especially happy about her new home. Completing it was, she says, the most difficult challenge that the program put before her, but also the most important. Having a home is like have a bank account. “It is,” she explains, “what provides whatever else you need.” She could never have nice things because rain would ruin anything she tried to keep in her house. Since she finished building her home, however, she added the touches she always wanted: a table, tablecloths, and curtains. She now feels really comfortable for the first time.

Some program members are reluctant to join the program initially, or even if they join they doubt that it will lead to anything good. But Laumène insists that she never had any hesitation. “If someone calls you, either they have something to give you or something to say to you.”

She was happy with her case manager, Martinière, from the very start. “Other women said he seemed too mean, but if I had had another case manager it would have been a great loss. Martinière never tired of hiking to see me or of talking to me once he got here. He’s really been a father to me and the other women.”

When she talks about the progress she’s made in the program, she talks about more than her new home. “Now I have chickens, ducks, turkeys, and goats in my front yard.” And her pig just had piglets. She’d like to take another step forward and buy a cow. She thinks she can afford one. But she’s cautious. She’s heard rumors that there are neighbors jealous of her progress. She’s heard that they say they’ll poison a cow if she buys one. So, she’s holding off for now. She’s been talking with one neighbor, another successful CLM member who’s facing the same problem, and they are trying to figure something out.

But beyond her home and her livestock, she talks about having money when she needs it. “When you have money, you are close to anywhere you want to go.” She had to sell off one of her goats to pay the last installment of the loan she took out from her Village Savings and Loan Association. She had borrowed the money to finish work on her house and pay a balance she owed to her children’s school. But she chose a goat that had been refusing to nurse its young. It had little long-term value for her. And she had money left over after the sale to invest in her farming.

Rosemitha Petit Blanc – At Graduation

Rosemitha thought that the certificate she received was the most important thing about the graduation ceremony. It showed that “we did good work, so we finished the program well.”

But she pivoted almost immediately from talk about her certificate to talk about her frustrations. “I would have made more progress if my livestock had done better.” Her goats’ first two litters died. The two she now has just had another litter of two kids each, and though one of the four kids died, the others seem healthy, so she can be cautiously hopeful. She and her husband also have a pig that gave birth to six piglets. And if they survive they will provide a windfall.

As she talked about the livestock, and about other aspects of her experience in the program, she was frequently interrupted by her husband. He would jump in, then I would ask her to continue. But his interruptions would change her focus, adding to the confusion that my questions sometimes initially provoke. He’d insist that she didn’t know anything about their livestock, that he was the one who took care of the animals.

People call him Patekwe, which means “did not believe.” Things were a lot easier for the couple before Patekwe’s mother died. Her illness and then funeral were a major expense, setting them back on the path forward they had started to trace. It cost them their entire first littler of piglets, money that could have enabled them to achieve their first objective already. They might have been able to afford a small cow. And the older woman played an important role in the household. She was a reliable babysitter for the children and a good friend to both her daughter-in-law and her son. Patekwe complains, “Now one of us always has to be here with the baby. If Rosemitha leaves, I have to stay home.”

The couple’s plans moving forward are a little unclear. Two of their three children no longer live with them. Both Rosemitha and Patekwe brought children into the relationship, one each, but his daughter now lives with a cousin in Lakolin, near the hospital where his mother died. The cousin encouraged him to leave the girl with her while the older woman was sick, arguing that she’d have better access to an education. Patekwe visits regularly, and he’s happy with his daughter’s new situation. Rosemitha’s boy has moved in with her father, who lives nearby. Rosemitha is glad to have someone living with the older man, but her decision was also affected by her sense that her boy had grown less welcome with Patekwa than he had been when he was a younger brother and a playmate for his girl.

Rosemitha says she wants to return to small commerce, and she knows she can sell a goat to get the money to do so, but neither she nor her husband think it’s time to do that yet. And she and Patekwe will have to decide who will look after the child if she starts going to the market regularly. His mother’s boyfriend would spend time with them at first after his mother died, but he’s moved on to another woman. They aren’t seeing him much anymore.

In addition, what Rosemitha has told me in the past, but will not say in front of Patekwe, is that it is hard for her to sustain a business around him. When he is focused on farming their land – he inherited the plot above their home from his mother, and has been renting another for a long time – he doesn’t have time to earn cash by working for other farmers. So, he turns to any cash she might have to manage his expenses. When he isn’t busy, he likes to hang out in the market in Kaledan, down the road from where they live, and that involves having money in his pocket for gambling and snacks.

Idalia Bernadin – at Graduation

Idalia liked everything about the graduation, and she thinks it is an important part of the program. She explains that “it is something everyone can enjoy. As long as you march straight, you’ll graduate.”

She graduated with six goats, including two young kids, but she already used one to make an investment. Her husband was preparing their land for planting, and they needed the money to buy seeds. The goat sold for 3000 gourds, or about $48, and she was able to buy seven large cans of beans.

Her boar is starting to grow. She bought a small one when she collected the money that was owed her for the meat from a goat that died. It wasn’t much, so she had to buy the smallest, least expensive pig she could find. Now she’s eyeing the right moment to sell it and replace it with a sow that can give her offspring.

Her family’s medical issues persist, however. Unfortunately, our team was not very successful at helping her learn how she should follow up. One of her sons was diagnosed with a hernia, but he missed the follow-upappointment at the Mibalè hospital. Idalia says that he was waiting for a phone call, but the boy lives in Mibalè, near the hospital, and he knew the date.

Her youngest son’s situation is more complicated, but also not good. He has a condition that leads him to produce too many red blood cells. His blood ends up getting too little oxygen, so he’s short of breath all the time. The only treatment is regular removal of some of his blood, and we helped Idalia get him started down that road. It appeared to help. But Idalia and her husband are convinced that “they took too much blood,” so she isn’t bringing him back for further procedures. And the boy is very short of breath again.

And things are only going to get more difficult. Idalia and her husband are committed to leaving Gwo Labou, where they’ve been living since just before our team met them. They want to return to Jinpaye, but Jinpaye is even farther into the mountains, with more difficult access to care, than even Gwo Labou. Even if Idalia was inclined to get her boy the treatment he needs for his blood condition, she wouldn’t be able to find it anywhere near where she plans to go.

The family had originally fled from Jinpaye when they got into a conflict with neighbors about the rightful owner of some plantains. When we met them, they were living in a small space within a cousin’s home. The cousin himself eventually gave them the very small plot of land they built their house on.

But they feel as though they have no future in Gwo Labou. The cousin who gave them land to build on clearly wants them gone now that the program is over. Last year, he let them plant a very small garden around their house. This year, he planted his own crops to within ten feet of their front door. And with no land to farm, life is simply too expensive. Idalia’s husband has taken to traveling back and forth to Jinpaye to farm their land there, but that means he has to spend days at a time away from his family.

They don’t yet have the money they’ll need for the move. Their old house needs extensive repairs. But between their livestock and the crops they are planting in Jinpaye, they expect to be ready by the beginning of next year.

Louisimène Destivil – At Graduation

Louisimène was happy about the way graduation went. “They gave us jerseys, they welcomed us warmly, and we sang very well.”

She came down with a fever right after graduation, and she was still feeling sick a week later, but she was cheerful as she spoke of the day and of the completion of her CLM experience. “Everything they gave us is really ours. They are leaving, but they didn’t take back anything that they gave us.” It was as though she had doubted whether what she received was really hers even until the last moments.

She looks back at her experience with a strong sense of how much her life has changed. “I never had any kind of business activity of my own. I lived in misery. I was drenched by rain. I lived badly. I don’t live badly anymore.”

Even growing up, her life had been hard. She never knew her father. He died before she was born. Her mother remarried, but she was in the couple’s way. Her uncle decided to take her, and he’s the one who raised her. “He didn’t have much. He couldn’t send me to school. But I was rarely hungry.”

She’s been struggling to take good care of the livestock she acquired since she joined CLM. One of her goats had a kid, but her pig died. “I need to save enough money to replace it.” She bought a pair of turkeys, but someone stole one of them. The one she still has is nesting, though, so she may have more soon.

But Louisimène’s most important activity is farming. She and her husband work together. They lost their last crop of beans when the rains came at the wrong moment for them, but they have a small field of plantains that is producing well. It gives them something to eat, but also something to sell.

Having something to sell is important because Louisimène doesn’t want to get into small commerce, and she and her husband need cash sometimes, especially since their girl is finally in school. Keeping her in school has been a struggle. She missed some time when her school fees were overdue. But Louisimène is up to date with the payments now, and she’ll be able to send her girl back to school as soon as the Easter vacation is over.

In the meantime, Louisimène is planning her next planting. She and her husband are getting their field ready for a new crop of black beans, which they will plant in the coming days for harvest in June. She’s pinning her hopes to the upcoming crop. “The bean money will be enough for me to buy the pig I want as long as I don’t waste it.”

Miramène Georges – At Graduation

Miramène’s journey through CLM was somewhat unusual. She left Gwo Labou, where she lives and where she was part of the program, for three months. We don’t often have members who have such large gaps in their experience.

She was sick with persistent diarrhea. Her family took her to the government health clinic in Savanèt, where she was told that she had cholera. She was sent to the cholera treatment center there. She never went, however, because she was convinced that cholera wasn’t her problem. Instead, she went to the home of a medsen fèy, a practitioner of traditional herbal medicines. She stayed with him for weeks until the diarrhea was gone, drinking herbal preparations, then she left for Port au Prince, where she stayed with a cousin while she regained her strength.

While she was away, her case manager Ricot worked with her mother. The older woman took care of Miramène’s livestock. Miramène lives in a lakou with three houses in addition to hers: her parents’ and those of two sisters. One of the two sisters also qualified for the CLM program, so it was easy for Ricot and the other case manager to stay on top of the situation.

When Miramène was finally strong enough to come home, her assets were all in place. Though her goats didn’t increase, her pig had three piglets. She was also able to buy ducks and turkeys. She even added a cow to what she owned.

The cow is especially interesting because it has nothing directly to do with the CLM program. The father of her little girl, who lives in the Dominican Republic, bought it for her during one of his visits.

And his support for Miramène is probably worth dwelling on. It turns out that he was willing and able to do a lot for Miramène and their girl. She was, for example, the first CLM member in her neighborhood to finish work on her house. The man heard about the opportunity, and he came to Haiti long enough to help her through the process. And then he gave her an expensive cow.

This makes you wonder why Miramène was a CLM member in the first place. With a strong family structure in place where she lives and substantial support from her girl’s father, she might have been okay without the program.

But we couldn’t have known that. At the time she joined CLM, she had been without the man’s support for some time. As she explains it, he was living with his wife in the Dominican Republic, and the wife was pregnant. He focused all of his support on his pregnant wife. So, we took Miramène into the program. At the time, the case managers who selected her probably felt that they had no choice.

Miramène’s plans now that she graduated are straightforward. She’ll take care of her livestock and farm the land that’s available to her. She’s already got everything she needs to plant black beans for a spring harvest. She’s not interested in small commerce. “People buy on credit, then they get mad at you when you ask for your money.”

Juslène Vixama – At Graduation

Even after 18 months, it is still hard to talk with Juslène. She’s friendly, even cheerful, and she’s happy to chat. She seems excited to see me whenever I come by.

But she just doesn’t have much to say. I ask her about graduation, and she says it was “bèl,” which can mean pretty or good, but when I ask her what she liked about it she says she doesn’t know. That’s just one example. A cheerful “m pa konnen,” or “I don’t know” is her answer to most questions, at least her initial answer. She can’t say what about the graduation she enjoyed except to say, “because I graduated,” nor can she say what about it is important to her. As her boy fumbles around in my bag, I ask her how old he is now, but she doesn’t know that either. She can remember only which local children were born before him and after him, and with that information a neighbor concludes that he’s probably four.

She plans on going to the final meeting of her Village Savings and Loan Association later on the day of my visit. It is an important meeting because she’ll receive the savings she accumulated through the year along with the interest it earned when association members repaid their loans, but she doesn’t know how much she’ll receive. She won’t even hazard a guess.

She does, however, know what she plans to do with the money. It’s planting season in Kolonbyè. She’ll buy black beans, which is an important cash crop in the area. The farming she does with her partner is crucial to the family’s well-being since her livestock never really flourished within the program and she never started a small commerce. Though she lists the goats and the pig she was given as the program’s most important elements, she didn’t succeed with either. We gave her two goats, and she graduated with two goats. We gave her a pig, and she graduated with a pig. All she was able to accumulate was some poultry: a turkey and two ducks. Most of the couple’s wealth is in their farming.

And their lives have changed. When she joined the program, she was living in the corner of a room in her sister-in-law’s house. Now she has a little house all her own. A plank nailed across two short posts that were driven into the earth next to her home’s front door serves as a bench, and she loves to sit there and chat with passers-by. It leaves me wondering what she says to them.

More important, however, is the transformation of her boy. When she first joined the program, he was badly malnourished. He was thin and mostly lifeless in her arms. The CLM nurse referred him to the local government health center for evaluation, and provided a transportation stipend to ensure that Juslène could get him there for regular appointments. Her was treated with fortified peanut butter, the standard treatment in Haiti, and now seems like a different boy. He’s curious, getting into everything. He maintains a constant banter. His development seems a little bit behind. Very little of what he says is clear to anyone but his mother, who talks with him constantly as her case manager taught her to do.

Breaking the Bank

Fonkoze’s Chemen Lavi Miyò, or Pathway to a Better Life, program is more than ten years old. And it’s been almost eight years since three of my Haitian colleagues and I spent a month in Bangladesh, learning the program from its creators at BRAC. That BRAC team would still recognize its work in all that we do, but the program has changed over the years as we’ve tinkered with it whenever we come upon what looks to be a way to make it stronger.

Over the last couple of years, the most important change has been the introduction of Village Savings and Loan Associations. (See: www.vsla.net.) CLM members attend weekly meetings, where they can buy from one to five shares of the association. The money they buy their shares with becomes capital that members of the association can borrow. They repay the loans with interest, so the capital grows. At the end of a year-long cycle, the association breaks the bank, distributing the capital among members in accordance with the number of shares they have purchased.

This morning I attended the final meeting of the year of a VSLA in Fon Desanm, a mountain community that lies a short hike upward from the main road that leads to Savanèt. The meeting took place in a small church., really just rough timber support posts covered by a tin roof and enclosed by walls of straw. There were a handful of narrow, wooden benches fixed into the packed dirt floor along the walls of the church and a table in the front that held the various things the meeting required.

About 35 CLM members had been buying shares for 50 gourds – about 80 cents – and together had purchased 160,150 gourds, or almost $2,600, worth over the course of the year. They were very excited about the payout. The return on their investment came in several forms. Members paid 2% interest per month on their loans and penalties for late payments. An additional fund, comprised of small weekly donations to be used to help any member who confronts an emergency, like a death in the family, was folded into the total. Taking it all together, the members accumulated more than 200,000 gourds that they need to separate among them. That’s about 25% more than the value of the shares they purchased.

The pay-off meeting actually took place in two sessions on consecutive days. On the first day, the association’s leadership, along with Martinière, the CLM case manager responsible for working with the Fon Desanm VSLA, counted and recounted all the shares that had been purchased. Each member has a small booklet with a star for every share she bought, and the association’s secretary keeps a notebook that lists all the share purchases by week. The two records are compared in the presence of the entire membership so that each member know what she and her fellow members have accomplished. Members repaid outstanding debts. Those who had debts they could not repay with cash repaid them giving back shares. There were five such women, and four of the five were able to clear their debt with about half of their investment or less.

Many of the women came early to the second day’s meeting, excited to find out how much money they had made and to receive the payout. There were only a few stragglers. It was a social occasion. The room was noisy, as the women chatted with one another. Martinière and the association’s leaders first counted all the cash. The total was 203,132 gourds. They subtracted a small sum that the group will need to restart the association for another one-year cycle. They’ll purchase new savings booklets and notebooks for record-keeping. They then divided what was left by the number of shares – 3,203 – to calculate the final share price, just under 63 gourds. They then called the women up, one at a time, to receive their payout, counting the cash out carefully in front of her. VSLAs need trust to function, but that trust is built on transparency.

Marie Yolène had purchased 107 shares over the course of the year. She had also taken out two loans, each for 3,000 gourds. The first helped her pay her children’s school fees, and the second she invested in farming. Paying them back was difficult, but she managed. She plans to use her payout for farming. She has agreed with a neighbor to rent a plot of farmland, and most of her money will pay that rent. But she will have enough left over to buy the seeds – beans, pigeon peas, and corn – that she’ll plant.

She liked the VSLA, and her explanation is simple. “I like it because if you need to borrow a little money, you have a place to find it.”

Rosana was very happy about the VSLA, too. She has big plans for her money. She and her husband have a house full of children, and 2017 was difficult because when it came time to plant, they didn’t have the resources to put in any crops. They had to figure out how to feed the kids for the year with whatever cash they could earn. He did day-labor when he could find it in their neighbors’ fields, and she managed a small commerce. Part of the VSLA’s value for her was that it gave her access to credit to restart her business each time she ran through her capital.

She took out loans three times, and says she never had trouble repaying them because she always used them to invest in her business, which would earn the revenue she needed for repayments as long as she could keep it afloat. “I made the money work, and as soon as I sold my merchandise, I would a payment.”

Like Marie Yolène, she likes the VSLA because it gives her a way to borrow money. “I can get a loan without leaving my community. I would have nowhere else to go. Rich people won’t lend you money.”

Not all the members of the VSLA are CLM members, or even women. The associations would be hard to build with CLM members alone. Too few are literate enough to do the record-keeping that the associations depend upon. Our solution is to bring members of the community’s village assistance committee into its VSLA as well. We organize these committees everywhere we work. They bring community leaders into the program as volunteers. Committee members bring an additional level of personal support and supervision to program members. Adding them to our VSLAs achieves two goals. On the one hand, they can provide literate staffing of critical positions. On the other, they establish an activity that CLM members and community leaders can share that is beneficial to both.

Daniel was the president of the assistance committee, and when Martinière told him about the VSLA, he decided to join it as well. “The women chose us as their leaders. We owe it to them to help out.”

He thinks that the VSLA really helped the poorer members of his community. “It really protects them by giving them a way to save and to borrow.” He saw the way some of them struggled to repay their loans, but was pleased that they somehow managed.

He also discovered that the VSLA was as useful to him as to its other members. “If you have 50 gourds lying around, you have a place to save it. You have easy access to loans. And the payout at the end of the year gives you something to hope for.”

He and one of his sons were the group’s two leading savers. They each bought 257 shares, which was about three times the average for the 38 members. And he’s anxious to get the next cycle started. “We’d start again tomorrow if we could.” He says that a lot of his neighbors are waiting to join as soon as the group is ready.

He and the group’s leaders were not the only men present at the meeting. Wisnel came in place of his wife, who still spends most of her time at home with their infant. He took over attendance at the meetings from her as her pregnancy started to make it hard for her to get around, and continued after she gave birth.

The couple’s experience in the VSLA was mixed. They took out one 3000-gourd loan, and it did not go well. Wisnel bought an avocado crop with the money, but a passing hurricane destroyed most of the crop while it was still on the tree, and the remainder rotted before it got to market when the truck he loaded it onto broke down on the long, bad road to the main highway. He and Modeline eventually had to reach into their savings and sell a goat to pay the debt.

But Wisnel is enthusiastic about the association anyway. They were about to buy 68 shares. “We worked hard, we saved, and we reaped our profit at the end of the year.” They plan to stay in the VSLA, and they’ll continue to borrow when the see a need or an opportunity. “We can’t be afraid of credit.”

Our program, and the communities we work in, still have a lot to learn about VSLAs. To this point, we find them functioning well when case managers take a strong hand in guiding them. Martinière’s leadership was evident throughout the meeting. They have run into trouble in places whether our case managers have decided to stay farther in the background. So we don’t yet know enough about how they function once the case manager leaves, after the CLM members graduate from our program. If we discover that the associations continue to need the program’s support to function well, we’ll need to choose between figuring out a way to provide it and letting the whole promising enterprise drop.

Jeanne Brise: At Graduation

When I first met Jeanne, she had recently been selected to participate in the CLM program. I had gone to interview her, because the data we collected from the selection process made her look too wealthy to be in our program. Our spreadsheet showed that she and her husband owned a pig and two goats, and though that might not seem like a lot to someone from the States, it seemed as though it would put her, if true, in a category distinctly different from the families living in ultra-poverty whom we work to serve.

The member of our management team who had approved her for the program, Wesnel Charles, had analyzed her case with care, and he turned out to be more than right. As I wrote at the time, “. . . by the time the couple joined the program, they seemed well qualified: no assets except some money owed to them, children who are hungry and not in school, and a miserable little shack that they would not even be able to stay in much longer.” You can read the original post here.

That was almost a year and a half ago, and Thursday Jeanne graduated from the program. Though she and her husband, Chilet, are still poor, their life is nothing like it was just two years ago. They’ve made significant progress, and they have objectives in front of them and plans for obtaining those objectives that suggest that their progress could continue.

Their three older children are in school. Their parents first sent them shortly after the family joined the CLM program, and the kids are now in the midst of their second year. Jeanne had the couple’s fourth child while she was in the program. The last months of her pregnancy and her months nursing the healthy new baby forced her to shut down the small commerce she had established with her case manager’s coaching. But shortly after the birth, she went to the local Partners in Health clinic, where she received an implant that should provide contraception for the next seven years. She’d like her fourth child to be her last. “Children are expensive. School is expensive, and food is expensive too,” she explains.

She is looking to the upcoming harvest to provide the means to restart her small commerce. She’ll do so as soon as she feels that she can leave her baby for short periods. She plans to return to the business that was working for her, selling groceries in the nearby market in downtown Laskowabas. There are two principal market days there each week, but like many downtown markets, there is traffic on other days too, so she will be able to go any day but Sunday that she finds she has time.

Two of her three goats are pregnant right now. Her pig is nearly ready for sale, and she plans to use proceeds from the sale to buy another goat and to add to her savings. She eventually wants to buy a cow, so accumulating savings is important.

And her livestock is the key to the most important change in her family’s life. When we met her, the family was virtually homeless, forced to squat in a small shack on a plot of land where they were no longer welcome. With her case manager’s help, she negotiated a two-year lease on a very small plot of land, just big enough for her to put up the home that CLM helped her construct and its accompanying latrine. The rent is 3000 gourds – less than $50 – for two years, and it corresponds nicely to the price of a large, healthy goat. If she can keep her goat-rearing enterprise moving, it should be able to cover the family’s housing needs for a while. Buying a cow would then change things for the better, giving her a large asset that she’ll be able to sell if she and Chilet can find a plot of land for sale.

When she talks about the difference that CLM has made in her life, she talks first about the security that has come with her new standing in the community. “If one of my children falls sick, I can always borrow 500 gourds or so from a neighbor if I need to. They see I have the means to pay them back. If I find myself blocked in something I want to do, I can find someone to help me out.”

But her new stature has her thinking not only of herself and the progress she’s made. She also thinks of others. “I want CLM to continue. You cannot be happy if you have things and others don’t.”

Selection: More about the Gray Area

Sandra and her partner Jean Ranel live in a small rented house. It’s set just back from the main road that runs between downtown Tomond and Kas, a large rural market near the Dominican border. The couple and their children live on what Jean Ranel earns as a motorcycle taxi driver. The road is busy, especially on market days, and Jean Ranel earns just enough to keep the family fed every day, even though he only rents the motorcycle he uses.

A few years ago, the couple even started to get ahead. Jean Ranel was willing to work hard, and the couple had enough money left over after buying food and paying for school to invest in livestock. They’d buy a goat now and again.

Then disaster struck. Jean Ranel was in an accident. His leg was badly broken. And though it eventually healed enough for him to start driving again, it wasn’t the same. He lives with constant pain in his thigh and hip. He can’t carry heavier loads or multiple passengers on his motorcycle because doing so stresses his hip to the point at which he can’t bear the pain. It means both that he earns less per trip than he used to earn and also that he loses out entirely on regular clients who travel to and from the market with significant merchandise. The couple sold some of their livestock during Jean Ranel’s recovery. They sold the rest last year to send their girls to school. This year, they couldn’t afford to send the girls. When Sandra’s family offered to take their oldest girl off their hands, they felt they had no choice. They sent her away and kept the two younger ones with them.

I met Sandra during the last step of our selection process. And I was initially unsure what I should do. The couple has a small but regular income. It probably ranges between $1.50 and $2.00 per day. As a way to emphasize how much poorer most CLM members are than even those typically defined as living in “extreme poverty,” I’ve often said that we wouldn’t normally take someone who had a reliable income of $1 per day, which was the United Nations threshold for extreme poverty when our work began.

But Sandra’s case gave me pause. They have enough to eat, but of their three children two are out of school and the third is out of their home entirely. They live in a rented house, and as the annual rent payment looms, they have no idea where the money will come from.

Even so, I might have decided against taking the family had it not been for the sense of hopelessness that was strong in Sandra. It was present in the way she spoke, the way she sat, and the way she looked. She told me that more than six years ago she had tried to start a small commerce once, but when the money disappeared, she just gave up. She never thought to try again. She was certain to fail.

She doesn’t believe she is capable of anything, and that total sense of incapacity made me think I had no choice but to take her. We need to help her discover her abilities. Her livelihood will remain terribly fragile if she thinks it simply must depend on her man.