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 »

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 »

Samuel uses is motorcycle to transport his products

Samuel was able to repair his transportation in order to better conduct his business

With Joan and Will Weber’s gift certificate, I was able to give Samuel a loan to repair his motor vehicle, so that he could reach his clients.  Samuel lives in the Philippines, and his main source of income is selling wood to people in the community.  One can see why his vehicle would be so necessary in this endeavor.  Not surprisingly, shortly after the loan was funded I received this positive update from Kiva:

Mr. Samuel Dumanjug is very busy with his business upon the release of
his loan from Gata Daku Multi-Purpose Cooperative and KIva Funders,he
able to repair his motor vehicle for more convenient to his business
through this he able to generate more income to sustain the daily needs
of his family as well as the education of his kids. That is why he is
very thankful to Gata Daku Multi-Purpose Cooperative and KIva Funders
for giving him a financial assistant.

Starting in January, he will begin repaying his loan, hopefully with the increase in income he has been able to generate from repairing his transportation.  This is really cool.  Real people, helping real people.  Click on his picture for more information.  As always, visit Kiva to lend.

This was a video that was shown to us at our Kiva training in San Francisco:

Warning: This is where the blog gets potentially self-important and emo.  But really that video is one that strikes a chord with me.  Really, all that Kiva is trying to do is to connect people on different parts of the world for a common interest.  Now, they way they are attempting to do it is a little less light-hearted, but I think that the similarities between Kiva’s mission and Matt’s are there enough to post this video.  What is more inspirational than people connecting and coming together for something they believe in?  Also, anyone who knows me (okay, maybe only some people know this), knows that I think dancing is a perfect way to both express yourself and connect with other people.

And now my impression:

Dance with me guys.  Loan to entrepreneurs on Kiva.

Kiva Vision!

If you have five minutes or you feel like procrastinating a bit, check out www.kiva.org/kivavision to see loans being made in real life.  It’s really cool to look at, especially because it gives you a “valid” reason for delaying a mundane task.

Gift Certificate Usage

Peter runs an alternative medicine clinic in Kenya

Peter runs an alternative medicine clinic in Kenya

With the gift certificates that I have received from you.  I have been able to lend to nine different entrepreneurs.  One of them is Peter Ndungu Kanyugi, who runs an herbal medicine and food supplement in Nairobi.  Click on his picture to find out more about him and his loan.

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.