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New Horizons, the newsletter of the Ecumenical Church Loan FundNew Horizons > December 2000

 

Meet ECLOF Clients

Transport of Delight
In Côte d’Ivoire, Solidarité-Progrès (Solidarity-Progress) is a local association of small-scale farmers founded in 1996. It is made up of 14 people, 7 married women, 5 married men and 2 young people. The members are largely maize producers around the villages of Yamoussoukkro and Bouafle, some 20 to 30 km from the capital, Abidjan. Ten members work their farms and manage the business of the Association in the local area while four members are based in Abidjan to take care of the marketing, production and logistics needs of the business.

The group received its first ECLOF loan in 1998. It used the money to increase its working capital in order to buy produce from farmers, including each other. The Association stored what it had bought before selling it on. Besides providing storage facilities, the group also used its ECLOF loan to hire vehicles to transport all its produce to buyers.

In 1999, the Association decided to change its transportation system. It applied for and received a second ECLOF loan of US$46,300 to buy a 20 ton truck primarily to transport maize but also to deliver cotton and other products from the region including plantain bananas, yams and manioc. There is a good market for these products and the Association knows where the areas of highest production and market possibilities are.

Until they bought their own truck, members of the Association and fellow small-scale crop producers had been forced to accept the costly and inefficient transport made available to them by large-scale transport companies. The group chose to buy a 20 ton truck because it is small enough to negotiate country roads yet large enough to meet the transport needs of the local producers efficiently. Also, by having its own means of transport, the Association can make delivery runs according to its need rather than to a schedule imposed upon it by a transport company.

Because the members of the Association are farmers themselves, they have an advantage over large-scale transporters from Abidjan who cannot properly understand the specific needs of, or provide the flexibility required by the local, small-scale producers serviced by the Association.

To ensure that the truck does not return from Abidjan empty after making a delivery, the Association makes regular pickups of goods in Abidjan for transport into the interior of the country.

Safer Camping
An ECLOF loan has enabled the Greek Evangelical Church of Alexandroupolis to complete the first phase of an improvement scheme at its summer camp on the Aegean coast.

The Haris (Grace) Family Camping and Conference Centre is some 14 km from Alexandroupolis. The church purchased the land in 1962 and initially built a small number of very basic lodges, most constructed without doors or windows, mainly to protect residents from the sun and rain. Visitors also used tents when there were no vacancies in the lodges.

Vacations at Haris are relaxed, family gatherings. Besides normal summer camping and recreational activities, adults and children take part in regular worship services, discussions, and Bible reading and study.

Although the Alexandroupolis Church began the centre, two other congregations in the area are now also involved. There are at present 18 lodges and the centre can accommodate up to 50 people, During the summer months, Haris is usually full.
The ECLOF grant of US$8,500 is being used to help fund an overall five-year improvement project, which will cost US$64,000. Already, the church has installed fire protection equipment in three of the lodges and re-equipped the camp kitchen. Fire protection and electricity will eventually be provided in all the lodges. Plumbing, doors and windows will also be installed in 15 of them.

Why I Am a Keekeeper
By Daniel Moreno, an ECLOF client in Uruguay, who is a member of a professional association of beekeepers in which he is also a trainer and participates in setting the association’s beekeeping policies.

After my family, the bees. They are my passion and my daily bread.

I began to work with bees in 1978 to complement my income but I never thought I was going to fall in love with them! In 1996 I resigned from my job as a civil servant to dedicate myself full-time to bee keeping.

In spite of some heartache, due to bad harvests, I have never regretted my decision; if I had to work in an office for eight hours a day again I do not think I could adapt myself to it.

At the moment, I work on average for more than 13 hours a day; sometimes over many weeks I do not have any time off. However, I am doing what I love to do, and the freedom to work with and live from what one loves is without price.

Bee keeping is defined as “the art and science of the breeding of bees to obtain from them the maximum of profits with a minimum of costs”.

The entrepreneur-beekeeper is owner, technical director and employee of his or her own company. Success or failure depends on the ability to make the beehives produce the maximum amount of honey.

When the price of honey drops, or when other conditions are not favourable, some beekeepers sell and abandon the activity. It is purely a business decision. They abandon bee keeping because they do not love it

To be a real beekeeper it is necessary to have a vocation. It is good to be able to make a profit from bee keeping but, if not, we continue nevertheless. In the meantime we have to wait for the next harvest with faith and prepare ourselves to go through a rough economic winter.

Our vocation is similar to that of rural teachers or doctors who love their profession. Their remuneration is not important. What is important is to serve other people, and to give them knowledge and love.

The beekeeper’s work is very heavy. Harvests occur between the end of the spring and the following autumn, when it is very hot, with temperatures in excess of 30° C. To work with beehives requires boots, overalls, a mask and gloves. The work is usually done out in the full sun, carrying boxes of honey that weigh 33 kg to 36 kg each. We work from very early in the morning until the afternoon. When we arrive home we still have to unload our truck, wash it and load it with empty boxes ready for the next morning.

On top of all that, we need good weather and decent prices at the market in order to make a living.

Each time I work with my bees I learn something new about their lives and the behaviour of their marvellous organisation as a colony, which is about its spirit and synergy. If a bee stings it dies but the sacrifice is for the defence of the colony and honey reserves. From their birth, worker bees serve their fellow bees. They clean, nurture the larva, produce jelly and wax, and collect nectar, water and pollen. If they do not give their life to defend other bees, then, at the end of their lives they go far from the hive to die so that their bodies will not be a burden to the others.

I compare this behaviour to that of human beings. We have become so individualistic, and are far from being a real family where people bring their own ‘grain of sand’ to the life of the community and, if necessary, give their lives for the collective good.

Bee keeping, in spite of the economic downturns that I have experienced, has given me much personal satisfaction. I can live off its results, and have established a family business and created employment which is ecologically responsible.

If I did not feel a real vocation, if I did not love what I do, I would almost certainly not continue to keep bees.

Houses of God
Three church congregations in some of the poorest areas of the Dominican Republic are using ECLOF loans to provide better facilities for the worship of God and to serve their local communities better.

Dominicans are a people of great Christian faith. However, many Christian groups are very poor. They often cannot afford to build churches, and have to worship in the open air.

ECLOF Dominican Republic offers loans to Christian groups who do not have alternative financing resources or access to special loans for the construction and renovation of churches and other infrastructures. Such loans also support the growth of collective management skills.

Other loans go to groups that wish to build community and training centres for children and adults, as well as meeting rooms for development organisations.

In the Dominican Republic commercial banks will not finance the church sector; government support is very limited and directed to the Catholic Church, because it is the official church.

The needs of poor churches are great; past experience has shown loans have had a positive effect on these communities. For these reasons, ECLOF Dominican Republic, despite its limited funds, plans to increase the money it will make available to churches.

Three Churches
The three churches that have received ECLOF loans are all situated in Santo Domingo. They are the Iglesia Fuente de Agua Viva (Church of the Source of Living Water), Iglesia Hermanos Unidos en Cristo (Brothers Church United in Christ), and Iglesia Yo Soy el Buen Pastor (I Am the Good Pastor Church)

All three congregations are relatively small, with under a hundred members each, but they are well established and have an excellent record of service in their neighbourhoods.
Each church has received relatively small loans of between US$2,000–US3,000 but the effect of these cash injections will be great.

The Iglesia Fuente de Agua Viva has used its loan to buy a simple wood and tin-roofed building that it has rented for a number of years. This now gives the congregation a security that enables it to concentrate on its work within the neighbourhood.

A year ago, members of the Iglesia Hermanos Unidos en Cristo raised enough money to buy a piece of land and begin to build a church. They have now used their ECLOF loan to complete the work. The money has paid for six windows, a toilet, interior decoration and benches for the congregation. The church purchased all the equipment locally to support local incomes.

The Iglesia Hermanos Unidos en Cristo, in the slum area of Gualey, has used its ECLOF loan to repair and expand its church building. Extracts from the church’s ECLOF application are typical of all three areas in which the ECLOF-supported churches work:

“The Gualey Barrio is one of several mushrooming slum areas along the Ozama River where people who cannot afford housing anywhere else in the city settle. The houses are made of cardboard and corrugated tin. They are cramped together haphazardly and from a distance appear to be built one on top of the other. Since there are no paved roads in the barrio, the streets turn to mud when it rains, making even walking difficult.

Many of the people there, particularly the children, are undernourished. This is due to the fact that they are simply too poor to buy food or medicine. There is also a high incidence of illness due to unhygienic conditions in the area. Since there is no trash collection, it is not at all uncommon to see large piles of garbage cluttering the streets. Health service, educational facilities, drinking water and electricity are scarce at best.”

Get Weaving!
ECLOF Myanmar has provided loans to 50 weavers who belong to a project run by the Gangaw Baptist Association. The weavers own their machines and have used ECLOF loans to buy raw materials with which they weave traditional costumes. Gangaw Chin traditional dresses are extremely popular in the area so there is a good market for the weavers’ products.

 
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