Tag Archives: B’edaya

A Woman Who’s Not Waiting for Handouts — And Proud of It

150812_Bedaya Mother GG FB
Susan, who knows the pride of self-sufficiency through hard work, and her daughter.

A giant drawing of St. George looms over visitors to Susan’s home, but she’s not waiting for heroes on horseback to save her family. She’s taking her fate into her own hands — she’s had to, since the artist, her husband, passed away two years ago.

When I first met Susan this August, she was still grieving for her husband. But, as she says, the time came when she had to decide how to support her 8-year-old daughter.

It wasn’t going to be easy, there in her marginalized neighborhood on the outskirts of Minya in Upper Egypt. From an already hardscrabble existence, her husband’s death dropped her down even farther on the economic ladder. For Susan’s family, some necessities quickly became luxuries.

Added to the economic blow of widowhood came the restrictions imposed on her by Egypt’s male-dominated society. Expectations are that widows will stick to the home and rely on charity to survive.

Certainly, the last thing anyone in Egypt expects a widow to do is to go into business. Better, the thinking goes, that they live on handouts. Yet, says Susan, “I knew I had to do something productive.”

It was an uphill battle to scrape together what remained of her savings, borrow bits and pieces here and there from family and friends, and turn a room of her house into a dry goods store. But Susan did it.

Today, people from the neighborhood pop in for their bags of detergent and other household needs. Their small purchases earn a thin margin of profit that helps put bread on the table for Susan’s daughter.

Talking to Susan, I came to understand the pride she takes in this achievement, and the depth of her drive to succeed despite huge, huge obstacles.

It’s for people like Susan that B’edaya, Coptic Orphans’ microfinance project, exists. I’m proud that we’ve begun the process of selecting a new group of 50 mothers to receive B’edaya loans of up to 7,000 Egyptian pounds (around US$1,000).

For those who have already started a business, the money may foot the bill for improvements that offer a competitive advantage in the market. For others, the loan may be the first step towards financial self-sufficiency, and fund the foundation of the enterprise they’re envisioning.

B’edaya mothers — all of them the widowed mothers of orphans in our Not Alone program — have successfully run everything from feed stores to photography studios to home furnishings outlets.

This next round of B’edaya builds on the achievements of 30 mothers in Sohag, Minya, Alexandria, Monofiyya, and Cairo who received the most recent round of loans in 2014. So thanks to generous support from all over the world, we’re getting closer to our goal of empowering Egypt’s women through microfinance!

The next round will begin in March 2016, and the widows selected to participate will receive ongoing coaching and skills-building to ensure that they can use their loans to best effect.

We hope that all of the Susans of Egypt will apply for B’edaya’s next round, and we’re encouraging them to do so. Because as she can tell you, there’s a difference between waiting for a handout and being your own boss.

The difference is pride.

 

*Names and personal details changed to protect the privacy and dignity of the family.

‘It’s Made My Daughter Proud of Me’

150514_Bedaya FB (1)
The mothers in B’edaya have more than money to smile about.

Money, money, money. It’s easy to think of microfinance only in those terms.

But the surprising thing is how our B’edaya microfinance initiative is changing lives in ways that go far beyond money.

No one explains this better than Salma. She’s the mother of a child in our Not Alone program for fatherless children. Of course, we’re constantly looking for ways to equip these mothers with the tools to achieve financial independence. B’edaya is one of those ways.

Salma was able to start an in-home grocery store thanks to a B’edaya loan. Like all the mothers who receive a loan, she’s also received training in how to plan, start, and run a small business. Today, her earnings put bread on her family’s table.

Being involved with B’edaya, she told me recently, has “meant the world” to her.

“It’s made my daughter proud of me,” were her exact words.

Salma’s words echo what I’ve heard from many others among the 30 mothers in Sohag, Minya, Alexandria, Monofiyya, and Cairo who received the most recent round of B’edaya loans in 2014.

Over and over, their descriptions of B’edaya reflect wider impacts on their lives: stronger family unity, greater self-worth, an increased sense of confidence and direction.

Salma reminds me that when you and I partner to equip these smart, strong mothers with the tools to break the cycle of poverty, the least we should hope for is financial success.

The ultimate outcome, God willing, is widowed mothers who — perhaps for the first time in their lives — feel fulfilled, valuable, and in control of their destiny.

In March of 2016, we will kick off a new round of B’edaya loans. We want to reach even more mothers in this round — a total of 50. We’re gearing up for that round, so that we achieve our goal of empowering these women and their families through microfinance.

I look forward to keeping you up to date on this exciting new round. And to everyone who’s gotten behind B’edaya, thank you, as always, for your support. As Salma says, it means the world.

*Name and image changed to protect the privacy and dignity of the participants in our programs.

Egypt as Reality TV Show

Samah, an Egyptian businesswoman, shows off her products on the "set" — her home showroom.
Samah, an Egyptian businesswoman, shows off her products on the “set” — her home showroom.

Some days, in Egypt, you just wish the TV crews were there to record what you’re looking at. Great material for reality shows is everywhere. Who needs the Kardashians when you have real live Egyptians doing the most amazing stuff, often while talking on their cell phone and driving 77 mph?

The most amazing Egyptian I’ve met lately is Samah. She’s perfect for a reality show in the style of The Apprentice, that goopy drama where Donald Trump eliminates his protégés by shouting “You’re fired!” Samah is an up-and-coming businesswoman herself — although she’s a widow raising a young girl, she’s paying her bills by retailing blankets, bathmats, and other household goods.

But really, Samah could have a show of her own — Real Businesswomen of Egypt ? — because she needs no Trump to hire or fire her. She’s doing it her way, with the help of a loan from Coptic Orphans’ B’edaya microfinance initiative.

In fact, the closest person to a Donald Trump in Samah’s life is the Coptic Orphans “rep” who works with her.  Reps, you’ll remember, are the Church-based volunteers who guide and mentor the orphans in our Not Alone program, and who support their mothers in acquiring life skills. This particular rep, whose name is Isis, has been a source of inspiration and coaching for Samah.

From the moment you meet Isis, you know she’s no Trump-style caricature of what a mentor should be. She’s not looking to create a money-making empire;  instead, Isis is all about building strong, faithful, self-sufficient families by serving the Church and “her” orphans. She exudes patience and kindness, qualities she has used to walk Samah through the process of starting her business. She’s also got two other essential ingredients: determination and business savvy.

150206_Samah B'edaya Nermien (1)
“Hilwe! I’ll take 10!” (That’s me on the left.)

With Isis’s help, and lots of hard work, here’s the enterprise that Samah has gotten up and running. After looking around her neighborhood to see what her customers really need, Samah buys a load of household goods from a wholesaler. These, she sells out of her own home, which doubles as a showroom. The income she generates is of enormous benefit to raising her daughter, and allows her to keep them — and her home — in a healthy state. She’s even sewed new curtains for her windows.

Samah, who credits part of her success to good people skills and strong business ethics, is a “graduate” of B’edaya now. She’s paid off her loan, yet she continues to receive income from the business she’s built. It’s steady money — something she can rely on. Not only that, she reports that her income from the business has increased sevenfold since 2010. For B’edaya, that’s right on target, because the goal is to foster family independence and self-reliance.

Things have not always been so rosy, especially in 2004, when Samah’s husband died after five years of battling liver cancer. The illness was emotionally and financially draining; the family spent every pound they had and borrowed more to pay off medical bills. It has taken a long time to get past the initial stages of mourning and recovery.

But handling these challenges, and encouraging a move to family self-sufficiency, is what B’edaya is all about. It’s a microfinance initiative that tailors small no-interest loans to the needs of widows in our Not Alone program, giving them an income, more skills to feed their children, and more control of their lives. In the second round of loans, from the beginning of 2013 through January 2015, B’edaya disbursed US$14,067, with 29 of an initial group of 37 mothers seeing the process through to fruition. The loan recipients are in Sohag, Minya, Alexandria, Monofiyya, and some less well-off areas of Cairo.

When I visited Samah this month, I met her daughter Amira. She’s at the top of her 12th-grade class and doing exceptionally well, with all kinds of honors. She’s well-positioned to be accepted into a competitive university.

“She’s the angel who God has sent me,” Samah tells me.

I have to think: Wouldn’t that be a much better ending for a reality TV show than Donald Trump yelling “You’re fired!”?

 

More information about B’edaya is available here. You can also check out these “notes from the field” —  “Ambition vs. Tradition: How Egypt’s Widows Are Claiming Their Future, 1 Business at a Time” and “She’s Not on the Cover of Forbes. Yet”