Simply Stated

Okay, I realize my last post was a downer. Those experiences were building, and I felt like corruption was an issue that needed to be addressed as something that affected our work and experiences frequently.

So now I am home, resting visiting friends and family, and sleeping... a lot. I want to conclude this blog appropriately, summarize what this summer has meant to me, what I have learned; but how can I do that simply for a summer that has been enlightening, challenging, exciting, tiring, busy, slow, confusing and ... a lot of other things.

Once upon a time... A long long time ago... Far far away... Well you see there was this angry momma baboon...

Nothing quite starts it off right. During this brief time of R&R before I return to IU next week and start ICore, I have needed some serious time for Reflection and Remembering. Albert Einstein said "If you can't explain it simply, you don't understand it well enough." I feel like that was how a lot of my summer program went. I also feel that the uncertainty, could be seen in our work and especially in my grant proposal. After a week of telling stories, I realize there are three highlights I would like to share:

1. By the end of our Pilot Brand Development Project, I feel like the women of Marusacco understood what their current brand reputation is in the community, and sincerely wanted to help improve that image. Also I was pleasantly surprised how using reputation interchangeably with branding, clarified our message and goals. Women of small communities absolutely understand the positive and negative effects a reputation can have on any entity. The challenges of working in a developing country were great. If I were to do it all again, I absolutely would, and I think I would do a lot differently.

2. I loved and will miss rafting on, swimming in, partially drowning in, walking by, and seeing the Nile Victoria River. It was an amazing reminder daily of where I was in the world.

3. The biggest highlight of summer was probably hanging out with this guy! Baby Solomon and I shared many ups and downs, literally, as he learned how to walk as well as had many other adventures typical for a one year old. Having a host family greatly (and positively) affected my experience and their welcome definitely eased my transition to becoming Ugandan - which will always be a part of me.

Thanks for reading. Nice time everyone,

Nabyrre Laura

Going out with a Bang

It is go time! Wight days left in Uganda, but only one day to the big showcase of Marusacco's new brand! Tomorrow I will head out to Mafubira bright and early - public transport willing - and we will set up our market. The plan is kind of to wing it, as the last market was held as a dual program with people speaking etc. It was open to the public, but the focus was definitely on reaching out to the members. So we are changing it up a bit. We have put up posters, and hired radio advertisements to bring in more community members to the market. Hopefully more people will make the event more profitable and make it something the members want to continue in the future.

Members will also be proudly wearing their new polo shorts - the most tangible result of the branding process! Members not in the program have been asking for shirts as well, and that is exactly the reaction I was hoping for to drive the continuation of this program.

They will get their chance Monday. The final activity of my workplan is to execute an Ownership Empowerment Seminar to introduce Marusacco's new brand formally, and expand our pilot program. Actually my job for the day is to give the welcome and introduction in the beginning, then sit back and enjoy. We invited all 250 members of the Sacco, but I feel like 150 may come. Either way this will be an awesome weekend, I love seeing results! So I'm off to Marusacco to distribute more shirts!!

Which Came First the Hen or the Egg?

Inspired and conflicting conversations can be so interesting, yet often leave me at the end of a group discussion feeling like we all still walk away with our own opinions and without any enlightenment or consensus. Saturday FSD hosted a Micro Enterprise Financing in Uganda talk with presentations from GESI interns from Northwestern University and a paper presentation by a Mr. Fred Muwaya, a professor from Busoga University.

The group discussion that followed consisted mostly of remarks, concerns and comments from Busoga University students with a few FSD intern comments here and there with a question, clarification, or observation. My favorite clarification was the GESI intern who claimed that Uganda should not look to America's saving culture as an example, considering how America does not have a culture for saving... To which, our moderator commented, "So they aren't better than us... " I thought it was so hilarious.

Anyways, the conversation topic focused around closing the gap between microfinance institutions and the micro enterprises they offer services too. Enter the circular philosophical question; which comes first savings or financing? The hen or the egg? Several people claimed the financing comes first, in order to receive capital to begin saving regularly.

I disagree. From my experiences, (and according to many banks and MFI policies) members need to achieve a certain level of savings before taking out loans. At Marusacco, members can take loans up to three times that of their savings. In addition for providing the MFI with capital to access loans at a better rate, I think it trains members in long term business planning strategies. They need to learn how to assess risks and set goals for future growth. But I also do not claim that that is the only or right answer.

Cultural changes take time, and need to be decided by the people of said cultural community. Similarly, I do not think that asking short term American interns how we can address these challenges is very efficient or sustainable. Someone needs to lead the change - and a sustainable change for Uganda will come from Ugandans who accept responsibility, refuse corruption, and welcome the challenges and costs in pursuit of long term prosperity.

So wait why am I here again? Well, that is a philosophical train of jumbled thoughts for another blog.

Good News Bad News Time

Which do you want first?

Okay lets go with the bad - we will rip it off quick like a band-aid.

My grant was not funded. Whoops.

On to the good news!

Not receiving my grant has not totally offset my program. Surprised? So was I. That also makes me think that those FSD funds are probably going to be used for a program that needs it more. To be clear I said my program is not totally offset, but we are of course trying to scale back. As we speak (well as I type...) my supervisor is going over my budget to see where we can scale back and if they can contribute any more to our seminar funds.

The bulk of my grant was to fund a half day seminar in August, aiming to educate and empower all 250 plus members in their ownership and responsibilities as a part of Marusacco. This also is an avenue to debut Marusacco's new brand image and showcase our pilot program branded Village Savings and Lending Groups (VSLGs). Adjusting our program through trial and error, our training of trainers approach has saved us a lot in transportation and training materials. Revisiting our initial budget was laughable and we created a new to-do list including all the remaining expenses for the last three weeks of my program.

Remaining is to create advertisements for our market in two weeks, and plan for our empowerment seminar. Hopefully we can mobilize some funds for a tent, food, and transportation costs - but if not, well the show must go on.

Also these marketing and schedule details will need to come together quickly as next week I may be taking a quick trip across a border, which conveniently coincides with my expiring visa... Shout out to the incompetent immigration officer who gave me a shorter visa than I paid for, well done Nyabo.

A Healthy Dose of Competition

I apologize for my blog absence - but getting through this midterm week of my internship has been insane!

I submitted my grant proposal to FSD earlier this week and we held our first brand managers training. Hopefully in the next week I will hear back about the grant so we can start planning for the expansion of our Pilot Brand Development Program through a seminar in August. I wish I had three more months to spend here to really educate these women on the importance of upholding a professional brand image, even in their small businesses. My strategy in all this is a training of trainers. It is best this way, as it becomes more and more likely that I will be leaving Uganda before the program is complete. Our goal is to shower information on newly elected brand managers and then allow the integration of training into their respective savings groups at a more appropriate pace. Luckily/thankfully/every other emotion of relief, after our training the brand managers responded that they are confident in their abilities to educate fellow members on branding.

We are also working to clarify what levels of the Sacco we are branding. Marusacco’s brand is our main focus – attempting to increase their marketing capacity to new members and communities, while empowering members to repay their loans because we mean business!

ORUDE is also working to empower their seven Saccos to function independently, which is burdened majorly by not following policies and low loan recovery. They decided these Saccos are growing beyond ORUDE, and invited the District Commercial Officer (DCO) to their Quarterly Manager Meeting yesterday. I was pleased to settle into a corner of the room to take minutes behind 28 managers, treasurers, and chairpersons.

The DCO spoke about ownership and responsibility throughout his report on three recent audits of ORUDE Saccos. It was definitely interesting, inspiring, and shocking. He repeatedly called for ORUDE to sack one of the secretary managers throughout the 6 hour event. Later I found out I had been sitting by that manager the entire time. I asked my colleagues about it and they just laughed. I still don’t understand if that was appropriate, embarrassing, or just to inspire competition – but they heartily agreed about the manager’s incompetence.

I was proud that Marusacco (my Sacco in Mafubira!) was constantly referenced as an example of good banking practices. Most of all though I think it was eye opening to see how to inspire healthy competition. I have wanted to avoid offending members, but that was exactly the purpose of the Quarterly Meeting. They were publicly compared in a way that removed their individual advantages of claiming that ORUDE was hiding something, or that they are being treated differently.

Inspired, we have taken a more aggressive approach to mobilize members. I am so curious to see how the women of Mafubira respond to their now public group loan repayment rates. Maybe that will inspire the group returning only 8% to pay up.

Let's Talk Romance

As Laura said in her previous post, one of the great things about Uganda is how friendly people are. But as a girl, it's a little bit hard to distinguish when someone is being nice to you, and when someone wants to marry you and come to America with you.

An example: both Laura and I were propositioned by some men last week who wanted to marry us. I was in a taxi headed to Iganga, and told my lovely proposer that I had a husband in America. "But America is so far away!" he said. "And I'm right here!" For Laura, her beau told her that his grandmother, before she died, told him that he would marry an American woman. And then he spilled Caroline's (our intern coordinator) drink all over the place.

People will come up to you, and ask you for your number. I even met a man in a church where I was giving a talk about savings culture - I gave him my number because he was interested in learning about the SACCO where I worked. Only after a couple of sketchy phone calls did I finally label him in my phone as "Creeper."

On a positive note, they usually give up very quickly! You say no, and they take it like a man. And let's face it, we get bothered just as much by guys in America.

But we don't hate marriage in Uganda! Laura attended a wedding last weekend, and her host father told her that "she's next." Time to look for some prospects...

Please Grant my Grant!!!

What a week this has been! I decided midday Monday that it would be worthwhile to write a grant proposal in order to receive more funds with my project. My project, known as the Pilot Brand Development Program, is packaged into a nice little compact 10 page single spaced proposal. The quality of that proposal is yet to be determined! I spent my time writing amid field visits, which rocked my vision of the low level at which we are beginning, and with an occasional break for Marimar or some passion fruit juice with a friend.

Mini pep talks helped to get me through "Come on Laura, its not like this is Target project all over again..."

The first objective of this pilot program is to choose who will be in the program. Without too much thought beforehand about the requirements to be in the pilot (mistake!), we visited the first of 12 Village Saving and Lending Groups. They were absolutely interested in participating, so we began to discuss what their current brand image is.

The Marusacco Secretary Manager Esther acted as translator, and took a rather long time with the first question. I could see some confusion, internalizing, and small responses prompted Esther to expand once again. Pulling out simple traits of the group's image was like pulling teeth, and basically rural marketing is nonexistent among the inconsistent sales of their commodities in local markets. It will be a learning experience for all of us, as banking and marketing take on whole new meanings when everything is done on paper.

Square one. This is where I am, no foundation other than some enthusiasm and a COMPLETED!!!! draft grant proposal. Luckily, that could be just enough!

LIFOA (Life is Full of Acronyms)

Two days in to work and I already get my first holiday? I hope everyone had a joyous Martyrs Day on Friday.

Leading up to this luxurious three day weekend I began a needs assessment at ORUDE, burying myself in reading material in order to understand the organisation's mission and prior projects. ORUDE has recognized that they would like me to help with some needs in Mafubira. Mafubira is a community which is home to ORUDE's (are you ready for this) MARUSACCO, their most developed SUSALECO. MARUSACCO consists of five VSLG, further divided into FABAs. The SACCOS ORUDE starts and supports work to empower women in rural areas who don't have access to loans from MFI's because of their high risk potential. ORUDE's current Strategic Plan of ERUSCA lays the guidelines of where they want MARUSACCO to be in three years, entering independence from ORUDE, and upon my visit to the community tomorrow I will continue developing a SWOT to see where I can contribute!

My training feels scattered, from stats classes to folkloric studies of what creates a community, to three long days of community development training. I am straining to compound my knowledge in able to create a sustainable impact. My work plan should be set by Wednesday, and I am feeling the immensity of what profound changes can result if I work hard and smart.

I have found the limits and bounds of my project, in my eleven (now ten) week departure and a $200 grant. I want to push those limits, and I just feel tomorrow can't arrive soon enough so I can meet these groups so I can start thinking big (and realistically) for a SMART goal.

To avoid a total muzungu move, I have not taken as many pictures as I would have liked to be able to share, but I do hope to describe in great detail what I have seen and experienced with my host family and throughout this lovely little town, but all these acronyms have worn me out. So that is a blog for another day.

Acronym Key:

MARUSACCO - Mafubira Rural Saving and Credit Co-operative (Limited)

SUSALECO - Sub-county Savings and Lending Co-operative

SACCO - Savings and Credit Cooperative

VSLG - Villiage Saving and Lending Groups

FABA - Farming as a Business Advocates

MFI - Micro finance Institute

ERUSCA - Enhancing Rural Women's Savings and Credit Access

SWOT - Strength, Weakness, Opportunities, Threats

SMART - Specific, Measurable, Attainable, Realistic, and Timely