Tag Archives: Ghana

Lessons from Ghana: Making a Difference

My recent trip to Africa reminded me of some of the finer points of delivering assistance and support in areas of great need. These are lessons learned from many years of being involved in areas like Thailand, New Orleans and other areas of unique and extraordinary need.

It is my experience and observation that generous people are drawn to certain areas and certain types of need. The conditions in many regions of Africa are a perfect example: Celebrity focus, news headlines and other media reports has created an awareness of living conditions in parts of Africa. That is good. However, awareness does not always represent a solution: sometimes action does not even represent a solution.  As we like to say within our organization, “Generosity is not the issue, effectiveness is.” Part of being effective is delivering what is truly needed in the eyes of the beneficiary.  

When delivering aid to a people, regions and cultures we may not fully understand, there are things to be aware of that, in context, easily explain why so many efforts do not work. I am going to try to articulate a couple of these important details and perhaps spark deeper thought and discussion when it comes to international giving.

Truthfully, we cannot underestimate cultural differences. We frequently see aid delivered in the form that the donor feels appropriate, rather than what the community in need really desires and recognizes. We saw this after the deadly Southeast Asian tsunami in 2004 when well-meaning groups shipped large quantities of coats and scarves to a hot, humid region of southern Thailand; the intentions were good, but the effort was lost on people with very different and specific needs. We see a similar dynamic in many international efforts: housing development for people who culturally would not live in the types of shelter being constructed; a failure to involve appropriate and respected leaders who can be the lubricant between those who want to help and those in need; Last but not least, trying to jump ahead of the process and bring people to a point we as donors feel they need to be, rather than a point they desire to be.

As donors, we need to consider the culture we seek to aid from a perspective of dignity and sustainability. Anthony Oliver-Smith writes,

“The best outcomes imaginable [are] systems in which people can materially sustain themselves while beginning their own process of social reconstruction.” 

Essentially his is the “Teach a man to fish …” philosophy. The sound bites and clips we see in the media, which serve a great purpose by bringing public attention to global need, often abbreviate the situations to the point where a generous and prosperous nation like the U.S. is compelled to react immediately. Again, it is with the best of intentions, but in ways that we see as appropriate from our perspective.

The fact is that when people are in desperate circumstances, you usually find that some sort of displacement is at the heart of the situation. Whether it is caused by political unrest or natural or man-made disasters, there is almost always a dual sense of disconnect from the things they hold dear and at the same time a pride in what they consider to be their heritage. In these stressful times, many look to religious tradition for identity; they seek to reestablish what is meaningful to them. They depend on those they trust the most. That is the starting point.  

We as donors and as caring global neighbors need to remember this. Again, quoting Oliver-Smith,

“We should approach the goals of reconstructing and reconstituting community with a certain humility and realism about the limits of our abilities. Such humility and realism have not characterized to any major extent, the planners dealing with uprooted peoples to date.”

Our usual American-driven focus on cost-containment and efficiency must be maintained to be sure, but not to the point of excluding the needs and wants of the very people we are trying to help. I cannot say it any better than Oliver-Smith:

“Donor-driven …designs [can] endanger the connection that people establish with their built environment, violate cultural norms of space and place, inhibit the reweaving of social networks and discourage the re-emergence of community identity.”

With this backdrop, the Forever Young School in Ghana (the dedication of which was my reason for traveling to Ghana in the first place) is a model. It was created in partnership with local leaders. It was built by local artisans. It is staffed by local teachers who received training from outside sources, but are allowed to teach in a manner relevant to their local community. The dignity and autonomy of tribal leaders is recognized and respected. Local culture was not considered an obstacle, but an asset from which to build. The project is well-designed and takes into account details in a variety of areas, including transportation needs, recreation, academics, health and medical support. It has become the cause of community celebration!

The day we arrived for a special ceremony opening the school, families and local leaders assembled at 4:00 am to prepare for our visit, which was not scheduled until 2:00 that afternoon! They sang for us, they danced, they provided food … the sense of gratitude was at a level that can only been seen when a proud and deserving community is helped to achieve what they need in a manner meaningful to them.

As a result, I left feeling like the donors and organizations that supported this school had created something they could feel proud of – both from a relief-of-needs perspective and a donor efficiency perspective.

It was truly inspiring.

-Rick

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Microfinance: Making a Difference in Ghana

Do you know what microlending and micro credits are?

In reflecting on my Ghana experience, it occurred to me that there were participants on the trip with very high-level business backgrounds, who each made the comment, “I had heard of micro loans and micro credits, but I suppose I did not fully understand what it meant.” Since that is common in my experience, I realized others may well have the same experience. I thought I should take this opportunity to explain in my own way, the simple brilliance of micro-lending.

We can all certainly deduce from the various names, that micro loans or micro credits have something to do with “small loans.” But in the end, there is nothing small about them.

 The sequence is as follows: a micro credit or micro lending organization establishes a fund for loans in a community or region. The average loan will be in the hundreds of U.S. dollars, so a relatively small fund that is well-placed can have a great deal of impact.

Next, applications are selected from local individuals who have a dream and then they are assessed (and this is important) by a local lending board. As an idea rises to the top, assistance is offered in creating a real business plan and some of the risks of the venture are addressed. In micro lending, we are talking about businesses that most often are stuck where they are, based on simple limitations in transportation, storage, inventory—and the only access these small individuals would have to capital would be at what you would have to call the loan shark level  meaning loans at 30% and higher. 

As a loan is approved, a small team is put in place (and here is the simple, but brilliant part) and each loan recipient has a small committee to answer and report to. The committee is made up of the individuals who get the next loan when the current loan is repaid. Think about that for a moment in terms of what it means to the level of support and accountability. “I will help you succeed, because when you do, I get my chance to succeed!” Here is an example from the KOMART Foundation in Ghana, a small micro-lending effort, I saw on my travels:

A local entrepreneur saw the need and potential for an internet café in an area with limited access. The idea turned into a business plan with a committee and then a loan. The loan resulted in a very attractive little business location with multiple stations (Photo 1). The location generated customers (Photo 2). Business growth necessitated employees (photo 3). The success sparked ideas and challenges which were addressed by the local partners (photo 4), but with the added support of an international “board” of enthused donors who were invigorated by the success! (photo 5).

Now meet the successful business owner (photo 6) and his bride-to-be – because he can now afford to marry and start a family. This is the man who as he repays his loan (and we were privileged to witness his first repayment—believe me there was pride in this business owner), will launch another business in his own community and will be the anchor in a network of local businesses who care about one another, support one another and, of great importance in developing regions, trust one another.   

A quick tally may be in order: a few hundred dollars  launches a successful small business that hires several people in the community (creating income for them), provides an important resource to the community (much of the computer use is for online university classes), creates an owner who cares about and can help his neighbors, and as he repays his loan, he launches the next business. On the way this business also made a new family possible.  In Ghana, there are strict rules with respect to getting married. You must provide gifts to the family of the bride that most young men cannot afford. You must also live on your own for a year—this may not seem so bad, but the rent on your small apartment is due for a full year in advance—that is tough to come up with even for most Americans. But if you own your own business and learn how to manage money and growth, you achieve these goals, and new opportunities open up!

It was truly amazing to see this process in operation first-hand – to see the lives impacted, the business generated and the change enacted by a few hundred American dollars. Ultimately, this kind of thing changes the lives of future generations by providing the resources for better education, career opportunities and stable family lives for the community’s children – about which we are passionate.

The final thing I will say about micro–lending is that you don’t need to be rich to donate and see a big result. Small amounts of donated funds mean so much. In fact, we are working to support KOMART. If you have a passion for helping those in impoverished nations in Africa through micro-finance, Operation Kids will match it and make sure it gets to Ghana. They key is working with organizations that you can trust and monitor. We saw that in KOMART on our trip to Ghana. We saw the changes, the process, the imapct, the results.

 More stories from my trip to Africa to come next week.

-Rick

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