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Your Last Chance in 2012 to Empower Women

We’re just hours before the close of 2012. Before midnight, make an investment in the life of one of Opportunity International‘s women clients, giving her hope for a better future. Empower women like Rosemary Namande of Uganda to earn an income, have a safe place to save, and provide a better life for herself and others in her community.

School proprietor and client Rosemary Namande, with students of the Nadulu Infant Primary School in Kampala

School proprietor and client Rosemary Namande, with students of the Nadulu Infant Primary School in Kampala

Rosemary runs the Nadulu Infant Primary School in Kampala. Forty years ago, she opened a tiny school for infants in makeshift quarters. Today, thanks to tireless determination and Opportunity loans, five permanent buildings house her elementary school and orphanage. Here, “Mama Rosemary” educates and cares for 900 children — nearly half of whom are orphans — and offers discounted or free tuition to many of her other students. She also provides treatment at the school to 15 children who were born with HIV. “All my life, I’ve been taking care of the children,” she says. “They are down in my heart. I’ve seen how children suffer, so I [took on] that responsibility.”

Through Opportunity’s education finance tools, Rosemary has been able to employ 69 people and greatly enhance economic activity in her community. Rosemary goes even further: she helps other women establish businesses, she chairs the local women’s council and she opens up her school to the community for meetings and celebrations.

One woman, driven by the belief that education leads to a better life for this and the next generation. That’s the power of one. Don’t let 2012 end without making a tax-deductible gift that will empower a woman like Rosemary with the tools she needs to improve her life. Invest in her today.

Banking on Women: Rosemary Namande from Opportunity International on Vimeo.

Posted in Client Stories, Online Giving, Videos, Women
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Cracking the Code on Food Security: YAO Leader Samantha Snabes Uses Technology to End Hunger

“The Opportunity International Conference changed my life,” says Young Ambassador Samantha Snabes. The fall 2011 conference, says the NASA “social entrepreneur in residence,” was the moment when she became inspired to take action to do her part to end global poverty. Shortly thereafter, she became part of Young Ambassadors for Opportunity (YAO) and is currently working to launch a YAO chapter in Austin, Texas, where she lives. Now, as we chat, Sam can hardly contain her excitement about enabling technologies that smallholder farmers, like Opportunity International’s agricultural finance clients, can use to grow more soil-suitable crops, in greater quantities, for consumption and sale. Through her work with Opportunity Nicaragua’s yucca processing plant, Engineers Without Borders, and platforms such as Pinapple.org, she’s determined to crack the code, literally, on improving food security.

Smallholder farmers make up 50% of the world’s hungriest people, and technology is at the forefront of empowering these farmers to feed themselves and their families, and to earn a higher income. Opportunity International continues to develop agricultural finance tools that can be critical to helping farmers in a variety of climates and growing conditions increase their crop yields.

Sam saw firsthand the challenges of smallholder farmers in the developing world when she visited Rwanda with Engineers Without Borders-Johnson Space Center. Then, in December 2011 and again in March 2012, she went to Nicaragua to see Opportunity’s yucca processing plant, meeting Executive Director David Kone and Program Director Geralyn Sheehan. Among the innovations Sam found inspiring was David’s pride and joy: an innovative new way to dry and process yucca in order to store and sell it.

Sam (second from right) with her team at the NASA Space Apps Challenge in April

Sam (second from right) with her team at the NASA Space Apps Challenge

Since returning from Central America, Sam has been hooked on innovating to feed more people and make a better life for those in poverty. In April 2012, she embarked on a series of coding, programming and philanthropic hacking competitions to contribute technological solutions to the problem of chronic hunger and food insecurity in the developing world. The first event was the 48-hour NASA International Space Apps Challenge, one of the “world’s largest hackathons.” Fondly called the PineApple Project, her challenge generated an international community of solvers, several in developing countries, eager to collaborate. It won “The Most Disruptive Global Award” and was a runner-up for the competition’s People’s Choice prize. The PineApple Project is designed to help farmers and policymakers decide what crops to plant and where to plant them. Technology like the PineApple Project and Opportunity’s agricultural finance tools are critical to helping farmers in a variety of climates and growing conditions increase their crop yields so they can earn an income and better feed their families.

USAID's Hacking for Hunger event in September

USAID’s Hacking for Hunger hackathon in September

Soon after the Space Apps Challenge, the PineApple Project’s newly formed team reconvened at Random Hacks of Kindness where they won the San Francisco Cross Hackathon award. In September the challenge was included in USAID’s Hacking for Hunger codeathon, an online and in-person mashup of participants from five countries that included volunteer programmers, designers, storytellers and development experts working around the clock. At the event, Sam’s team was recognized again but also received some harsh feedback: the solution was too simplistic to be realistically applied to the needs of smallholder farmers. Optimizing planting decisions was more complex than her prototype, she realized. There were great risks posed by climate change and more information was needed about crop rotation. Temperatures change drastically from year to year and variables such as market pricing influence planting decisions. These concerns are what prompted Opportunity to develop its data-collection methods and services for farmers such as GPS mapping, inputs of high-quality seed and fertilizers, market linkages and weather-index crop insurance, and it’s exciting to see how Sam’s innovative work also collects data to help meet the needs of farmers.

The USAID judges recognized the PineApple Project’s progress and admired the team’s enthusiasm and youthful idealism. Following Hacking for Hunger, USAID made valuable connections to INSEAD Business School and data experts, inviting Sam and Selena Georgiou of Growers’ Nation to The Iowa Hunger Summit (an event established by the World Food Prize Foundation), where she presented at the Open Data Showcase. Thanks to Hacking for Hunger, the PineApple Project was able to refine and expand its food and farming database with open data sets. Sam’s goal is that by January 2013, everything on the site will leverage geolocation, with accurate and relevant average temperatures, rainfall and topographical data. Soil data will also be included but, as it is notoriously difficult to determine because of variables such as runoff and fertilizers, she says her team is now evaluating Bayesian assessment tools (that is, probability-based hypotheses). They also are considering using SMS data to determine market pricing and pest information, though this can be costly without the support of a strategic partner.

Based on responses to the project’s community recruiting tool, root2market.org, Sam’s team has identified a market for their work and has the science and user testimonies to support the need. Today, the project is also made possible by her partnership with Phil Parker at INSEAD, Geeks Without Bounds, Softlayer, and sister project Growers’ Nation out of the MetOffice UK.

Speaking to Sam, I know I’m in the presence of a rare type of person: brimming over with idealism but with the smarts, experience, know-how and problem-solving skills to make headway on the causes she cares deeply about.

Sam personifies the power of one individual to impact thousands, and we’re thrilled to have her in the Opportunity family.

Posted in Agricultural Finance, Donors, Events, Hunger, Technology, Where We Work, Young Ambassadors for Opportunity
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Greater Food Security Moves Small-Scale Farmers from Subsistence to Success

Millions of sub-Saharan Africans lack access to sufficient high-quality food. Even where natural resources are ample, people suffer from chronic malnourishment due to lack of access to financing, quality seed, fertilizer and distribution channels. That’s why Opportunity International is working to increase regional food security by equipping small-scale farmers with the resources they need to move from subsistence to commercial farming so that they can feed their families and their communities. Opportunity provides these farmers with affordable, convenient agricultural finance services and the technical assistance they need to grow more food and increase their profits. Our strategy engages with farmers at every level of the value chain — from planting to harvesting to selling crops — to ensure their success. Our long-term goal is to support one million farmers by the year 2015.

With the help of our strategic partners and supporters, we are able to:

  • Fund loans and savings services for one million farmers in Africa
  • Enable expansion of satellite branches, kiosks, point-of-sale and cell phone banking for our rural clients
  • Build out protections for farmer families, including tailored savings programs and crop insurance, as well as establish relationships with input suppliers and crop buyers

Alice, fertilizer vendor

In Rwamagana, Rwanda, Alice Cyanzayire reviews fertilizer needs with local rice farmers.

In Rwamagana, Rwanda, Alice Cyanzayire reviews fertilizer needs with local rice farmers.

With her first loan of $136, Alice Cyanzayire expanded her business by purchasing fertilizer in bulk for resale. Local farmers use Opportunity’s electronic payment system to purchase her products, and Alice provides technical expertise on their use. Alice strives to create strong relationships with farmers and work with them throughout the value chain, from input supply to post-harvest handling. A key component of Opportunity’s agricultural finance initiative is to develop alliances with all the partners that farmers need to succeed. We work with local suppliers to provide crop inputs and with distributors to facilitate the best profit margin for our clients. We also coordinate with NGOs and farmers’ groups to provide financial literacy education and training aimed at increasing yield.

Asuman, sugarcane farmer

Asuman Kyendakulya (left) measures his fields with a GPS device and help from Regional Agricultural Supervisor John Peter Emoi (center) and fellow farmer Joseph Mulandya.

Asuman Kyendakulya (left) measures his fields with a GPS device and help from Regional Agricultural Supervisor John Peter Emoi (center) and fellow farmer Joseph Mulandya.

For Asuman Kyendakulya of Mayuge, Uganda, Opportunity’s GPS plotting provides precise information about his land, including plot boundaries, altitude and access to water. From this survey, Asuman can accurately gauge seed, fertilizer and labor needs, as well as predict his sugarcane yield. GPS mapping helps farmers plan and manage their farms, increasing efficiency and income. Where farmland is often fragmented, knowing the exact acreage of their tillable land enables growers to utilize the latest agricultural practices for maximum productivity and environmental sustainability.

 

Learn how you can invest in farmers and Opportunity’s agricultural finance initiatives »

Posted in Agricultural Finance, Client Stories, Hunger, Loans, Local Staffing, Our Work, Poverty, Rural Outreach, Savings
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What We’re Reading: Forbes, “Qualities of Successful Entrepreneurs”

What do Richard Branson and Steve Jobs have in common with Opportunity International’s clients? Turns out, a whole lot.

In a recent “Forbesarticle by Patrick Hull, successful entrepreneurs are those willing to take risks and push boundaries. The article quotes Harvard Business School professor Howard Stevenson, who says, “Entrepreneurship is the pursuit of opportunity without regard to resources currently controlled.” Perhaps this exemplifies the adventurous spirit that defines some wealthier or more advantageous entrepreneurs. But for Opportunity’s loan clients, their pursuit of entrepreneurship often is not so much an adventure as a necessity.

Opportunity client Ruth Nassimbwa is a true entrepreneur. With a loan from Opportunity Uganda, Ruth expanded from selling groceries in Kampala's Kalerwe market to operating her own restaurant. Now, she has doubled her income, sends her four children to school and employs four of her neighbors in her business.

Opportunity client Ruth Nassimbwa is a true entrepreneur. With a loan from Opportunity Uganda, Ruth expanded from selling groceries in Kampala’s Kalerwe market to operating her own restaurant. Now, she has doubled her income, sends her four children to school and employs four of her neighbors in her business.

Hull says that entrepreneurs are “confident in themselves and in their abilities.” For our clients, their confidence is not the primary reason for growing a business. Without strong local industries or formal economic infrastructure, which could offer employment opportunities, clients run small businesses so that they have a chance to earn an income, their children can eat, and they can build a more secure and stable financial future.

He goes on to say, “The ability to understand and see opportunity is critical for success. [...] I’ve taken many risks as an entrepreneur but only when I saw an opportunity and thought I had a good chance for success. I’ve aimed high, but have been smart about where I’m aiming.” In this regard, Hull’s archetypal profile of an entrepreneur does align with many of Opportunity’s clients. When Opportunity clients access a loan, they most often use it to expand a business they’ve already begun or, if they’ve gained some success, they may open a secondary business in another field they already know well.

Opportunity’s clients take calculated risks but they cannot afford to take foolish swings at the fences. Hull says, “[Richard Branson] is willing to take calculated risks with a clear plan in mind.” For Opportunity clients, wild choices can mean disaster for them or their families — coming from very little, it does not require much of a setback to return them to poverty unless they have been able to accrue a safety net of savings and income to protect them from this backslide. The access to small loans and financial services is the edge they need to take the steps necessary to make their business succeed. They “understand and see opportunity” when it arrives in their communities.

While most of Opportunity clients are risk takers by necessity rather than choice, they pave their own ways with their own businesses. They have the wherewithal to notice and take advantage of opportunities in the forms of Opportunity International microloans and financial tools when they are available. We’re proud of our brave clients who partner with us every day to achieve entrepreneurial success.

Posted in Client Stories, Loans, Microfinance, Our Work, Poverty, What We're Reading
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Christmas Greetings from Ghana and Opportunity’s Global Family

Merry Christmas from Opportunity International‘s global family to yours. On this sacred day, we wish you a Christmas filled with joy, peace and love!

Effie Cooke, Opportunity’s head of human resources in Africa, brings a special message from Ghana in a joyful video below. We hope it brings you inspiration today and in the days to come.

Merry Christmas and Afishapa from Ghana!

Christmas Greetings from Ghana:

Christmas Greetings from Ghana from Opportunity International on Vimeo.

Posted in Events, Local Staffing, Our Leadership, Videos
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