I spent thanksgiving in Costa Rica with four other Kiva Fellows who are placed in Central America. Before going, the Guatemalans who I had spoken with about my trip mentioned two things: Costa Rica is safer than Guatemala, but it has less of it’s own culture. Having spent only five days in Costa Rica, I can hardly make any judgments about Costa Rica’s culture, but I can confidently confirm that Costa Rica is safer than Guatemala: walking down the street feels more comfortable, people aren’t afraid to ride buses, and you can drink the tap water. One thing did feel the same as Guatemala: the pervasive placement of American chain restaurants.

The security in Costa Rica is something that I am sure most Guatemalans would love to have. How did Costa Rica get to be so safe? I am sure that not having a civil war for a third of a century (Guatemalan Civil War) and multiple public works projects that bring electricity and clean water to all have helped. But the economic stability that Costa Rica has been able to find in the tourism industry must also be included with an the how safe Costa Rica is. And with this high level of tourism that Guatemala has yet to be able to harness, comes an exchanging and adopting of cultures. It is from the apparent adoption of so many foreign customs that the Guatemalans whom I spoke with derived their idea that Costa Rica had no culture of its own.

My intent of this post is not to evaluate Costa Rica’s culture, about which I know next to nothing, but rather it is to ask what is the destination of

Will Guatemalan blankets such as these made by a Kiva entrepreneur soon be extinct?

Will Guatemalan blankets such as these made by a Kiva entrepreneur soon be extinct?

the rich Mayan culture that exists in Guatemala. Learning about this vibrant land was the main reason I had interest in being a Kiva Fellow. And I have seen the colorful dresses and blankets that many Kiva entrepreneurs weave.  These artesinal products, are in a large part, bought by tourists. As tourism increases in Guatemala, which it will no doubt do, will Guatemalans be looked at from the outside has having no culture of their own?
If Guatemalans what to incorporate foreign tradition into their own, that should be their prerogative, and that is not what worries me. What worries me, and many people who study globalization, is whether the permeation of outside cultures will cause the extinction of those currently present.

What role does Kiva play in all of this? Surely, it is not for Kiva, nor anyone besides Guatemalans to decide what makes up their culture. But it is undeniable that Kiva brings a degree of foreign culture to the MFIs that they work with, and the entrepreneurs that they support. By sending fellows to other countries, they are ensuring the input of foreign culture into these communities; however, I tend to believe that Kiva’s influence might play a role in enhancing the cultures they serve.  By documenting, sharing, and learning from our entrepreneurs, it seems to me that Kiva play a role in strengthening the culture here in Guatemala, and in other parts of the world where Kiva works.

I’m not completely comfortable with this theory, and in may be that indeed Kiva is contributing to the steady process of dissolving and homogenizing cultures.  Does the union of two cultures mean something is lost?  Since this process is unstoppable, what is it that we should personally do when desiring to learn about other cultures?  Would the beautiful Guatemalan blankets still exist as they do without the tourism that supports them? Does that tourism simultaneously destroy them?

Questions, questions that need answering. Sorry for being angsty.

I am the visitor. I am from Kiva. I am Jeremias. This has been my introduction for my first days in Guatemala.

Tueseday, we went to San Martin. It is a two hour drive from Guatemala City: thankfully it was Marco and not me who was driving so I could observe the scenery as we passed through beautiful rolling hills covered in forests. In the distance we could see small peaks, and each one was covered in trees.

Once we arrived, we were greeted by Bertha Carmelina Tohon, who just finished fundraising on Kiva.  She gave us a warm weBertha with her typewriters lcome and insisted that we have tea before we leave her comedor (eatery).  She was not shy to share her life story.  I quickly learned that her kids attending college, one studying psychology and the other chemistry.  I learned that she thought the Guatemalan school system did not teach the children anything practical, and that she has a typing school where kids learn using typewriters.  I learned that she was hard working: “There is time to rest when you die,” she said.

But not all of our visits on this day would be this happy. Read the rest of this entry »

I have arrived, and am continuously amazed by the friendliness and hospitality of everyone here. I am staying with the director of FAPE for this week, after which I will be moving to the seminary. He has a wife, who he only refers to as his amor, and a two year old son.  You  know how sometimes kids are hard to understand while they are learning to talk?  Well, it’s near impossible to hear anything other than jibberish when they are learning to talk in another language.

Today, I went to the organization’s office, and was intorduced to loads of people, from the loan officers, to the accountants, the secretaries, and everyone else.  Except for the people who get loans.  Tomorrow, I am going to San Martin to see this and collect some payments.  Also today, I discussed how to better use Kiva, and how everything works in the office.  On the way home, I drove a diesel pick-up truck through the streets of Guatemala City.  In order to change lanes, the turn signal and hand wave out the window are both requirements.  It was a little nerve racking, but all things considered not too bad.  Sorry I don’t have any pictures or video, the day was too packed.  Hopefully later this week I will have them.

At the end of every meal we say, “gracias,” to which someone responds “buen provecho.”  To you all, I say gracias and good night.

The people I come in contact with

The people I come in contact with.

This is how Kiva works.  You give a loan.  The loans goes through Kiva.  It goes to an microfinance institution.   They give money to a lender.

I will working with a microfinance institution Guatemala City (FAPE) to help them better work with Kiva, and get more loans to those who need them.  Most of what I will be doing is helping FAPE understand the way Kiva works better, and helping them to post more loans on Kiva’s websites.  The barriers will be cultural, financial, temporal, and who-knows-al.

Another important job of mine is maintaining transparency.  I am going to work with FAPE to help them put more information on Kiva’s website on exactly who their borrowers are.  In this role, I will be meeting and interview the individual burrowers.

A social critic named David Rodman has recently written about Kiva, critisizing its transparency.  Among his points, many of which I take issue with, he takes aim at the Kiva Fellows program and the process of interviewing borrowers: Read the rest of this entry »

It’s about a week and a half until I takeoff,  and I have recently found out that when I arrive, I will be living in a seminary.  I don’t know who I’ll be living with or what my living quarters will look like, but I’m sure it will be a learning experience.  Despite these uncertainties, I keep finding myself more inspired the more I learn about Kiva.  Here’s a link to my bio on Kiva’s website. Scroll down about a quarter of the way.

In reading an article by the founder and CEO, I was reminded off this core principle: Kiva is committed to transparency.  If some sort fraud occurs with one of their partners in another country, they do not hide from it, but rather they proactively tell their lenders and supporters about it.  And lenders in turn respond with a greater devotion to Kiva as a result of their honesty, instead of looking at this setback as a sign of weakness (if only governments also held this belief).  I will be proud to be a part of this  organization.

I also stumbled into a little more clarity of what my life interests may be.  Nobel Prize winning economist Amartya Sen claims that although life expectancy increase is correlated with GDP increase in developing countries, that when two factors are taken into account, that correlation disappears.  Those two factors:  incomes specifically of the poor and public health expenditure.  My experience doing health education in Argentina and working with microlending to poorer communities with  Kiva fall right in line with those two factors.  Maybe what I most interested in global development, and health and microfinance are just two ways at which I have approached that field.  Here’s a brief Amartya Sen article or check out his book, Development as Freedom, for a really good read.

Meg Gray, a current Kiva Fellow in nearby Nicaragua wrote a very interesting blog entry on how different businesses in other places look.  It’s a really cool read about breaking preconceptions

In case you missed it, here’s a little more information on what I will be doing.  Also, for those still wondering what Kiva is, be sure to check out their website.  It explains things very simply.

Finally, I’d like to thank everyone who has contributed so far.  I’ve been able to raise over half of my goal of $2,000.  Thanks for all your support.

Oh, hey.  What’s up from before?

For those of you who are still confused as to what I will be spending my time doing in Guatemala, here are a list of my primary activities:

-Learning words and concepts about microfinances in Spanish, as I have never learned them in English and proceeding to forget everything about Biology, the brain and the science of celestial mechanics.  Also, there are about 22 indigenous languages in Guatemala, and neither Spanish nor dolphin speak will help me here.

-Interviewing borrowers and updating journal entries on Kiva’s website.  The main reason Kiva is so spectacular is that the people who lend money receive information of where their loan went and what impact it actually had.  It’s about creating a personal relation, not just a one-way flow of money.  I will be meeting with individual entrepreneurs, having a “hands-on cultural experience,” and learn more in one day than I did during three months of studying for the  MCAT.  I will do my best to translate and passionately and accurately articulate these stories to the lenders.

-Adding my humble thoughts to the fellows blog and this blog.  I promise to tell everyone just how much a 6′3″ white person sticks out in Guatemala.   As height largely depends on nutrition and, according to the World Bank, about 75% of Guatemalans are living in poverty, I might look different from other people.

-Social Performance Monitoring.  Is microfinance actually helping these Guatemalans move out of poverty?  I’ll be looking at non-monetary factors to see if this is actually the case.

-Empowering others.  There is nothing like giving someone the ability to fulfill their dreams.  With Kiva and this fellowship, we are giving with the expectation that others will give their effort in return.  It is not a blank donation, but a call for action.  The entrepreneurs are not given money to sit back and relax, but rather to step forward and achieve.

Finally, the shameless offer.  For every dollar that you contribute,  I will do a shoulder stand for that many seconds. That means, if you give me a Kiva gift certificate for 25 dollars, I will be doing a 25 second shoulder stand.  How many seconds do you think I can do it for?  If you would like me to videotape this as proof and send it to you, let me know and I will.   Ways to contribute are outlined below and on the side bar.  I hope to go to Guatemala with your help and support and a firm set of abs.

Just having returned from an inspirational training at in San Francisco, I’m antsy to get to Guatemala where I will be doing grassroots work with entrepreneurs looking to better their lives.  Unfortunately, I still have to wait another month.

Thanks for taking the time to learn more about Kiva and what I will be doing with them. Kiva is a microlending website that connects lenders from all over the world to entrepreneurs in other places for the sake of alleviating poverty.  The way this works is that YOU can view entrepreneurs’ profiles  Kiva’s website, and decide who to lend to.  Kiva then collects the money and distributes it to a Microfinance Institution (MFI), who in turn, give the loan to the entrepreneur.  The entrepreneur then repays the loan, and you  get your money back, along with updates of what the entrepreneur was able to do with your loan.

In November, I’ll be going to Guatemala City, as a Kiva fellow, to work with an MFI, FAPE (translated into English, Foundation to Assist the Small Business) . They are a socially oriented MFI give over ninety percent of their loans to women entrepreneurs.  I will be partnering with FAPE to help strengthen their relationship with Kiva.  Additionally, I will visit the entrepreneurs to get a grassroots experience of microfinance.  Throughout my time there, I will be blogging periodically to document my experience both on this blog and on the kiva fellows blog.

Those of you who know me well, know that I am currently applying to medical school.  How does  being a Kiva Fellow fit into this plan?   Firstly, I am doing this because I strongly identify with Kiva’s mission to alleviate poverty while connecting people from all over the world by being completely transparent.  Secondly, I will be traveling to Guatemala, learning about a new culture, and meeting incredibly inspiring individuals.  Thirdly, I recognize that there is an inextricable relationship between health and economics.  In order to treat my future patients effectively, I want to have a wide range of experience in learning and supporting people to build healthy lives.  Productivity and health are socially, physically, and emotionally interconnected. Being a Kiva Fellow will allow me to better understand hardships, economic or otherwise, facing my future patients.

I can hardly wait for November to come.  But before I can go, I need your help making this dream a reality.  As Kiva cannot provide me with any money, it is my responsibility to completely fund the trip. It’s my goal to raise $2,000 which would cover flight, food, vaccines, health insurance, transportation within country, and communication(like uploading photos and posting on blogs).  I’ greatly appreciate it if everyone could contribute according to their means, as ANY amount will help.  There are three ways YOU can help me in this endeavor: Direct paypal contribution, Kiva Gift Certificate, and by mailing a check.

1) A direct contribution to me via paypal.

Make A Donation

2) A Kiva gift certificate. This is really a 2 for 1 option.  By giving a me a Kiva gift certificate, you would be helping Kiva, an entrepreneur, and my trip.  I would lend the money to an entrepreneur (if you have picked out a particular person you would like to lend to, you can let me know that when you give the gift certificate in the ‘Personal Message’ section) and send you the updates I get about how that entrepreneur is doing. After the loan period, I would ge the money back, which would help offset my costs.  My email address is jeremy.lapedis@fellows.kiva.org Click here  Kiva gift certificate.

3) You can mail me a good ‘ol check directly at:

3755 Charter Place
Ann Arbor, MI, 48105

Thanks for visiting and hope to hear from you soon.

To learn more about Kiva and the fellows program click on these links:

Kiva

Kiva Fellows Program

Kiva Fellows Blog

Feel free to email me at  jeremy.lapedis@fellows.kiva.org or jlapedis@gmail.com with any questions to find out more or just to say hello.