Celebrating Growth: Five Talents' Board Chair Reflects on Latest Kenya Visit

I recently returned from an incredible trip to Kenya.

The purposes of the trip were to participate in the launch of Five Talents Kenya, to hold our regular Five Talents International Board Meeting, and to see the progress made in our programs (specifically our Kenyan programs) to date. We participated in a number of meetings and celebrations, but the highlight of the trip came when we were able to visit clients on their home ground and see the amazing transformation that has occurred in the lives of the people touched by this ministry.

Monday, March 7 was our first "official" day, and was taken up by our FTI board meeting, where we reviewed the progress of our programs world-wide, with a particular emphasis on our African programs. Although our programs are strong, we continue to be concerned about our ability to keep functioning in conflict areas, especially in Burundi and South Sudan. That said, it continues to be a source of great inspiration to see how our clients are able to keep operations running in the face of such hardships. As the Bishop of Juba told our Program Director, "Your friends come and visit when you are sick."

On Tuesday, we celebrated the launching of Five Talents Kenya, in a ceremony attended by five Kenyan bishops and an enthusiastic crowd. It was more of a worship service than a business meeting, and reflected our hopes for a bright future for FTK.

The highlight of the day, however, was our visit to "the field" that afternoon. We were able to see the Thungururu Community Bank in operation, and were able to meet Monica, a Five Talents client who used a small (approximately $50) loan to develop a thriving petrol station. We learned that there are now over 40 small businesses operating in the community!

On Wednesday, we travelled to two separate locations to see possibilities for additional expansion. My team went to Mbeere Diocese, where we learned that they are already starting savings groups in anticipation of Five Talents, and have over 8000 people lined up! Their drive is amazing!

Our group had the easier day, as we only had to drive for two hours over some really bumpy dirt roads to get to our meetings. It is easy to forget how challenging the logistics can be in this part of the world!

A personal highlight for me was the opportunity to meet with a young man by the name of Robert Martin. He introduced himself to me, and reminded me that he attended a seminar that I taught in 2012 on business, which emphasized Christian business principles. He is a teacher, and now has a thriving poultry business as well. In addition, he serves as the chairman of the board for the Community Bank! He credits us with giving him the skills and inspiration to start his business. Although I think he gives us too much credit, it is indeed inspiring to see what he has done with a little training and a lot of ambition!

Once again, I came away in awe of these people, and what they can do with just a little assistance from us, coupled with their own innate dignity and drive. It is a humbling experience to be a small part of this ministry!

Jim Oakes serves as a Board Chair of Five Talents USA.

Photos by Joe Paulini for Five Talents.

Mama Bahati Foundation

Established in 2007, the Mama Bahati Foundation (MBF) now serves over 5,000 women across Iringa and Kilolo regions in the southern highlands of central Tanzania.

MBF was founded by the former Archbishop of Tanzania, Donald Mtetemela, after he met a lady called Mama Bahati who was struggling to make a living selling bananas in Iringa. The high interest rates she was forced to pay to buy the bananas wholesale on credit meant that making ends meet was nearly impossible. The Archbishop lent her a small sum at a much fairer rate of interest so that she was able to increase her profits, feed her family and repay the loan. Soon after this encounter, the Archbishop appealed to Five Talents, asking for support in establishing a microfinance project in Iringa, and MBF was born.

The Mama Bahati Foundation focuses its services on women who are typically even more marginalised in rural society than the men. Since the women typically bear responsibility for feeding, educating and caring for children, supporting women through microfinance means supporting the whole family. Enabling women to become financially literate income-earners can also empower them within the family and community.

Learn more about our programs in Tanzania.

Staying the Course in Burundi: While Many NGOs are Fleeing, Five Talents is Here to Stay

Following the national elections earlier this year, political violence in Burundi has contributed to an economic downturn and a loss of investment and aid.

 Over 200,000 residents have fled to neighboring countries and there is fear of ongoing violence and reprisals. As a result, many development agencies and nonprofits have scaled back or relocated their operations.

Meanwhile, the people of Burundi face increased insecurity, higher health costs, and a loss of jobs and business opportunities. Four out of five Burundians live on less than $1.25 a day and each job supports an average of 7 or more dependents. According to Unicef, "The potential impact of the current crisis and an economic downturn on children cannot be underestimated. It could be devastating."

Despite these challenges, Five Talents is committed to staying the course in Burundi. Five Talents works with over 25,000 savings group members in Burundi and is pursuing an ambitious plan to expand into another 230 communities. We work with local church partners and leaders, especially in rural communities.

Our savings groups continue to operate and expand and are bringing communities together to focus on local solutions. Through small group savings and loans, families are able to access capital in times of emergency and are cushioned against the impact of decreased government funding of social programs. These groups are very grateful for "friendship in times of trouble" and our regional program coordinator, Claudette appreciates the support and prayers of all those who she knows and those who she does not. The knowledge of people who are praying and committed to walking together gives them courage.

Join us in supporting families in Burundi. Your gift helps to build peace and creates hope and opportunity for the vulnerable poor.

Political and Economic Change in Myanmar

Election results in Myanmar point to new opportunities for the poor.

Five Talents is working to spark micro-enterprise development in what, until recently, has been one of the most closed societies in the world. This week's election results points to new reforms in Myanmar, with a broad victory for Aung San Suu Kyi and the National League for Democracy. The election is a milestone in Mynmar's transition from decades of military dictatorship. It is the country's first general election since a nominally civilian government was introduced in 2011. That was the same year that Five Talents began work in Myanmar, strengthening pre-existing savings groups and helping to expand their growth outward into impoverished communities.

More than a third of Myanmar's 51.4 million people live on about a dollar a day. Rural poverty is widespread and urban slums surround factories with low paying jobs and an absence of public services. In September, the minimum wage was raised to $2.80 per day. Workers hope for additional changes with the new leadership.

Meanwhile, Five Talents is eager to continue equipping entrepreneurs across Myanmar with access to savings groups, small business training and loans. Take a glimpse at some of the lives impacted and small businesses developed through Five Talents work in Myanmar:

PHOTO ESSAY: Making a Difference in Myanmar

Lives are being transformed in Myanmar. The world’s 14th poorest country, local community partners are reporting immense impact from the Irrawaddy River Delta Region to the outskirts of Yangon due to the savings and loan groups, as well as, financial and literacy training. On a recent visit to Myanmar, the program team saw first hand the effects of implementing savings and loan association groups, the thriving partnership with Mothers’ Union and receiving positive feedback from group leaders. Take a tour below of the agricultural community in Myanmar.

A woman carries construction wire as she shops at a Delta General Store in Myanmar. The Delta region of Myanamar comprises almost 20,000 square miles and is populated by 3.5 million people who are mainly farmers. The whole area is low lying (as low as 3 metres above sea level) and was devasted by Cyclone Nargis in 2008 when well over 100,000 people were lost.

Red chillies are laid out to dry in the sun, then ground in a mortar and pestle for use in preparing traditional Burmese noodle and vegetable dishes. Crops such as chillies, potatoes, various leaf vegetables combine with various fruit trees such as mango, papaya, banana, etc. provide families with food for themselves and also for sale in local markets of Pantanaw.

Women harvest Betal Palm leaves and bamboo in traditional Burmese shade houses in Dyung Daw Galey.
The proximity to Irrawady River banks and the inevitable floods each year prohibits growing rice or participation in rice banks.
Bamboo is cut, stacked and sold for the purposes of constructing the shade houses.

Savings and Loan group leaders gather for a photo before their annual meeting in Chaung Tha.
Five Talents and Mothers’ Union conduct training and interviews with the group leaders
discussing the value of the financial inclusion programs and their hopes and aspirations for the future.

Beside the banks of the Irrawaddy river is the village of Dyung Daw Galey.
The village is under constant threat from the river which, each year, erodes more of the village land into the river.
River floods in this region are a major challenge as they remove acres of land surrounding the village each year.
All of the houses in the village have been relocated as far as possible from the river bank as many houses and the village church have already been taken by the river.
The village itself, is under up to 5 feet of water for 5 months of the year due to the river breaking it’s banks
and flooding throughout the entire living area. Houses are built on poles to maintain a safe height for the occupants.

Fish are laid out to dry in a rural Myanmar village before being used to prepare traditional Burmese fish paste.
Fish comprises a large part of the dietary needs of the local people. Rice is the main staple.

Members of the Moses group in Dyung Daw Galey participate in the growing and harvest of their main crop of Betel Palm leaves,
for which there is a ready market in the nearest large town of Pantanaw.

The Palm Leaves are grown in specially constructed shade houses to enable ideal growing conditions.

Help us support more entrepreneurs in Myanmar. Make a donation to Five Talents today.

Micro-Enterprise Development in Indonesia: A Conversation with Five Talents Program Director Suzanne Middleton

Each of Five Talents' microfinance programs are tailored to meet the needs of the communities they serve. Here, Five Talents Program Director Suzanne Middleton explains how micro-lending, training and mentoring are transforming lives in Indonesia, where Five Talents partners with The GERHATI Foundation.

What makes the Indonesia program unique among our other programs in Asia, Africa and Latin America?
The Indonesia program is different to other Five Talents programs in two main ways. One, Five Talents was responsible for the development of this program from the very beginning, when the first request came from the Indonesian Anglican church for a micro-enterprise development program among the communities they serve. From board development and training to management and staff hiring and training, Five Talents has been the key partner from the start. Two, GERHATI's outreach is to predominantly Muslim communities. In fact, over 95 percent of the program recipients are Muslim.

If we were to take a walk through one of the communities served by Five Talents in Indonesia, what might we see, in terms of living conditions? What does the family unit look like in such communities?
Many of the communities suffer from poor or non-existent sanitation services, such as sewers or storm water drains. Access to clean water is often difficult and expensive. Many families – which, on average, consist of three to four children – make do with water from polluted water ways, and many suffer sicknesses as a result. Communities are often marked by uncollected rubbish, which pollutes the water ways and areas surrounding houses, attracting rats and other health hazards. Poorer communities are usually in areas prone to flooding, which occurs sometimes multiple times each year.

We talk a lot about the importance of Five Talents' local partnerships with indigenous organizations. Can you explain why such partners are critical to the success of the programs?
Helping indigenous communities and churches to help themselves and achieve meaningful empowerment and self-determination is at the core of the Five Talents mission. Assessing what key indigenous people want to achieve for their communities and country is crucial to working out the best methods of helping them achieve this. Partnering with a local organization enables Five Talents to align values and objectives to a well-governed and well-managed program that knows precisely what it wants to achieve and who to target. A strong local organization is well-grounded in its own environment and is there to stay.

Our partners are always striving to meet the needs of the women and men in the program. What are some of the ways that the Indonesia program has been evolving to meet members' needs?
GERHATI strives to "unlock" the natural gifts and strengths that people have through skills training and provision of a forum that enables them to discover, with each other in groups, the many different ways, individually and corporately, that will enhance their income, knowledge and general quality of life. Basic skills, such as numeracy, literacy, hygiene, book keeping, etc., can be taught by trainers who also encourage dialogue and discussions that help the group learn to work together.

In your mind, what's the measure of success for a program like this? What do you look for when evaluating the program's positive impact on individual group members and on the community at large?
One of the biggest indicators of success is the expression of hope for the future by the individuals and groups that our partner GERHATI works with. When people, after participating in the program for only a few months, begin to see new opportunities and possibilities for their families in terms of education, new business ventures and income opportunities and healthier living, then we can feel assured that the program is on the right track and its mission and vision is being achieved.

Sumiyati: Indonesian Entrepreneur at Work

Sumiyati's micro-enterprise involves making wedding accessories and renting bridal gowns. She has been in business for 13 years, and her success has made her a respected member in her community outside of Jakarta. As a loan group leader, she hosts regular group meetings in her home and helps to mentor other women who are just starting their own micro-enterprises. Sumiyati is just one of thousands of entrepreneurs in Indonesia who have learned skills and gained access to savings and loans through Five Talents.

Learn more about Five Talents' programs in Indonesia.

Why we Work in Myanmar

Have you ever wondered why Five Talents works where it does?

Since the organization's founding in 1998, Five Talents has focused on serving communities that are off the beaten path. They are often post-conflict, rural and far from the nearest bank.

These communities have under-served populations stuck in poverty. Starting a savings group, offering micro-business loans and organizing training workshops -- these are services that such communities need desperately if fathers and mothers, husbands and wives are going to see real transformation in their lives and in the lives of their children.

For an example of why we go where we go, look no further than our Myanmar program, which was launched in 2011.

This infographic highlights the need for financial inclusion in the country:

The figures come from a recent report by UNDP, CENFRI and Finmark Trust titled Making Access Possible (MAP) Myanmar.

"Access to an appropriate portfolio of financial services can improve the welfare of the underserved population by helping them conduct their financial lives more efficiently, increase income, manage risks and build up wealth over time," reads the report, which was based on surveys and interviews of people in over 5,000 households.

Five Talents is beginning to help meet this need through its partnership with Mothers' Union. The early stages of this partnership has focused on establishing savings and loan groups in the mostly rural and undeveloped Irrawaddy River Delta region, and in the hot and humid outskirts of Yangon.

Some of these groups are creating joint agricultural enterprises – an innovative approach that has proven to be remarkably effective.

Local community leaders in the country, the world's 14th poorest, see the program as transformative – not just at the individual level, but also at the church and community levels. While change is taking shape across Myanmar, Five Talents programs continue to expand reaching refugees, rural farmers, and other marginalized groups across the country.

Five Talents’ Microsavings and Microfinance Programs Help Parents Send Kids ‘Back to School’

Children across the country are beginning the academic year. There's the requisite trip to the store for school supplies. The nice, new outfits. The big, yellow buses.

 In many of the communities where Five Talents works, the situation is quite different. There's no school bus, because there are often no roads – only dirt paths. Classrooms have no electricity. What's worse, many children never even have a chance to attend school. Their parents simply can't afford the uniforms, pencils and notebooks.

However, because of Five Talents, this is changing.

Our savings, microcredit and business skills training programs help moms and dads establish a sustainable micro-enterprise that can provide for their family and pay for their children's education.

The success of our programs – and these parents' micro-enterprises – trickles down into the family.

We have moms and dads joining our programs not only to improve their finances, but because they want their children to go to school – to learn to read and write, add and subtract.

Outside of Jakarta, Tina (pictured above with her children) is running a business selling snacks and drinks near a school campus. Before Five Talents and our partner in Indonesia, GERHATI, helped her launch this business, the former factory worker was unable to pay her children's school fees. But now she's earning enough to cover the cost of uniforms ($60 a year), books ($10 per semester) and after-school care ($10 a month).

Tina says that she wants her children to get the most out of school, so she does not ask them to do any housework. Her only request beyond studying hard? "Pray every day," she tells them.

In rural Peru, Francisca (on left) wakes her children every morning with a simple breakfast of oats, chuño and corn. "We have to eat very well because we have to go to the city on foot," she said.

With no other transportation options, journeys like this to school and work are the norm for Francisca and her family.

With the help of an initial loan of 500 soles ($167) from Five Talents, Francisca was able to put her children in school and launch a second micro-enterprise selling fruit in bulk.

Virginia in Burundi (pictured below) couldn't afford to send any of her five children to school before joining the local Five Talents literacy, financial education and microsavings program. But after building up savings and taking out a small loan of 20,0000 Burundian francs ($14), she began to sell cassava leaves, bananas and vegetables to two restaurants.

"I have gained much profit," she said. "With that profit, I have improved my family life conditions and sent two children to school."

On their first day of school, they wore shoes and uniform and carried a ruler and some pens in a new book bag. "I am the model in my community. Even my neighbors have joined a saving group after seeing my conditions changed," Virginia said, adding, "Even my children are very smart compared to others."

When moms and dads are empowered to use their God-given talents to provide for their family, children are able to attend school.

With that new pair of shoes, Virginia's children will be able to kick around a soccer ball with classmates. With those pens, they'll learn to write their name and balance a simple math equation. With the food that Francisca provides every morning, her kids will have energy to study hard. With the after-school care that Tina pays for, her kids will get assistance with their homework.

With Five Talents, families are being transformed – and their hopes for the future are being fulfilled.

Make a gift today! We need your support to continue helping women and men build a sustainable living and provide for the needs of their family.

Dollar by Dollar: Building Capital for Micro-Entrepreneurs

Decades under the repressive rule of a military junta have sapped many women and men in Myanmar, or Burma, of the skill-sets and savvy needed to pursue entrepreneurial, income-generating activities.

Furthermore, leaders in Myanmar's Anglican church, which Five Talents also partners with, had been -- until recently -- reluctant to encourage members to pursue "business" opportunities.

"Money is difficult because it might cause some problems in the church," said Ethel, who works with savings group members in Pyay, and whose husband, Clement, is a pastor. "It might cause people to separate or fight, so the church has [been slow] to recognize its value. I try to explain that God wants us to save money and do business [to provide for our families]. Finally, people in the church have begun to recognize the value."

Five Talents works with local partners across many different cultures and countries. Each under-served community is different and requires a nuanced, tailored approach to micro-enterprise development. Myanmar is no different.

The early stages of Five Talents' partnership with Mothers' Union in Myanmar has focused on establishing savings and loan groups, or "associations," in the mostly rural and under-developed Irrawaddy River Delta region.

Some of these groups are creating joint agricultural enterprises – an innovative approach that has proven to be remarkably effective, given the context.

Moreover, church leaders across the country are on-board and are encouraging members to participate. They see the program, which began in 2011, as transformative – not just at the individual level, but also at the church and community levels.

It all begins with business skills training workshops like this one – and with an emphasis among participants on building up savings.

"Sometimes it is hard to save even 1,000 kyat ($1.03) every month," said Ethel. "But I encourage them to find money for that amount – through a small business or a small chicken farm, or something."

Out of the groups' savings, members lend to one another. The 3% interest rate on the micro-business loans is returned to the group's collective savings, "liberating" the members, Ethel says, from having to borrow from local money-lenders, who often charge exorbitant interest rates.

Helen, one of the group members present during Sonia's budgeting workshop testified to the benefits of building up savings and taking out small loans to support new income-generating activities.

"My life has changed," she said. "I can produce more because I have more capital."