Overcoming Disability through Cow Loans

Chim Kun is more than her deformity. Crippled from birth, Kun was denied much in her life — not the least of which was a basic education. But now, with the help of CHAD's agricultural microloans, Kun is showing the world she is not someone to be pitied or shunned. Rather, she is someone to do business with.

At age 56, Kun had never attended a day of school in her life. Her mangled feet made the journey of several kilometers impossible. Nonetheless, when she heard of the opportunity to participate in a CHAD cow bank several years ago, she knew right away how the addition of livestock could help her family's finances.

Today, Kun's family find themselves with two cows and another two calves on the way. The income those cows and their predecessors have produced for the family allowed for the startup of a small poultry business, selling chicken and duck eggs.

The cows and birds combine to give Kun the resources to send her three school-age children to school. But even that is no large expense anymore, because in her eagerness to ensure they received the education denied her, Kun shaped her children into scholarship students. This mother was even able to follow in her children's footsteps, taking two years of adult literacy courses and learning to read and write.

In just a few short years, Kun has overcome deformity and illiteracy and earned financial security for her family. And it all started with one cow.

Want to find out more about how cow banks are changing lives in Cambodia?
Read about how they work here or check out another story involving cow banks here. Click here to donate to a CHAD cow bank.

Man on a Mission: Agriculture Microloan Helps Reunite a Family

Photo by Amanda King

Disabled as a civilian casualty of war, Pheng Mong was forced to stand by as his wife set off for the faraway garment factories of Thailand in search of work to support their family. But now, thanks to a CHAD cow bank, Mong has the resources to bring her back.

With two adult cows and one calf on the way, Mong's family now has financial security — something that's been out of their reach since the '80s, when Mong drank water from a well poisoned by Vietnamese troops. Ever since, he has suffered from a chronic lung disorder that frequently leaves him gasping for air.

Unable to work and provide for his family, the brunt of that burden fell on his wife, who has spent much of the last several years moving from job to job as a garment factory worker. She's currently working in Thailand, far away from her husband and son.

But if Mong has his way, that will all change soon.

Mong has big plans for those cows. He expects one more calf from each of them before he sells them to finance his dream — a small village grocery store he can run, side-by-side with his wife and son, finally reunited.

Want to know more about cow banks?
Mong's family wasn't the only one to benefit from this project. CHAD cow banks operate with a philosophy of passing on the gift, whereby some offspring of the original cow are passed on to others in the community. In this case, a local preschool teacher and a church women's leader received calves from Mong's cow. Learn more...

More Than A Cow: How Cow Banks Promote Financial Security

Photo by Paul Jeffrey

For most Cambodian families, cows represent much more than a farm tool or even a potential food source. Here, cows mean financial security. They can be sold whenever the family is in a financial pinch — if someone becomes ill, if the breadwinner suddenly loses a job, or if natural disaster strikes.

Cows are living, walking savings accounts. So when CHAD promotes cows through our cow bank programs, we're really promoting financial security. And since we operate under a "passing on the gift" philosophy, that security spreads throughout a community.

Here's how it works:

Community members form a cow bank group. Of the people in that group, one is selected as the initial caretaker. That caretaker is the custodian of the cow gifted to the group from CHAD. When that cow becomes pregnant and gives birth, the calf is passed on to another group member. The original caretaker is allowed to keep the second offspring. But the third time around, the calf is passed on again. At this point, the caretaker becomes the owner of the gift-cow and all subsequent offspring.

The same gifting system is applied to the offspring of the original cow, with recipients passing on the first and third calves that they bear. And as the cow's family tree grows larger and larger, so does the group of people whose lives are improved by the cow bank.

Of course, there are often flukes in the system: Cows die or become infertile, or family emergencies necessitate that a cow be sold before it can pass on offspring. Missionary Katherine Parker talks about some of the complications that arise in keeping track of a cow's genealogy in this blog entry.

Despite the complications, the program successfully provides financial security to many Cambodian families each year.

Microfinance: The Women of Chheur Teal Village

A potato farmer, a grocery store owner, a pastor's wife and a banana seller, all united by one cause: To fund their children's education.

Most of the women of Chheur Teal Village in Cambodia's Kandal Province never had a chance to complete their own schooling. Now, as mothers, they're taking out loans and starting small businesses in hopes that they will be able to give their children opportunities they never had. Here are their stories:

Moung Pov

At 30 years of age, Moung Pov is already a small business owner. After much saving, she and her husband managed to scrape together enough money from their annual banana harvest to set up a small grocery store in their home village of Chheur Teal.

Their small stand carries the most basic staples — sugar, flour and eggs — but with the help of a loan from CHAD’s new credit and savings group in her village, Moung hopes to expand into the bigger-ticket items that will produce the revenue she needs to send her three children to school at a cost of about $30 each month.



Nut Silim
Fifty-year-old single mother of three Nut Silim never had the chance to attend college, having come of age in a time when Cambodians with higher-education degrees were singled out for persecution by the murderous Khmer Rouge.

But now she sees an opportunity to give her two daughters the education she never received. A micro-loan of just $100 is all she says she needs to start a banana stand at the local market, which she has confidence will giver her the returns to pay for her 18-year-old daughter's English studies at a university in Phnom Penh. The tuition costs about $400 per year — well over the profit from the average family's rice harvest in Nut's native Kandal Province.

If Nut's business venture proves successful, she anticipates being able to fund her second daughter's college studies when she graduates from high school in two years.

Chheung Reth
This mother of six doesn't mind getting her hands dirty if it means providing a good education for her four school-age children. In fact, if she has things her way, she'll be getting even dirtier in the near future, when an anticipated loan from CHAD's credit and savings group will allow her to expand her potato farming business.

Though she is not a church member, Chheung appreciates the value of the church's latest investment in her community and looks forward to receiving a loan of $200 to $300, which she will use to expand her harvest by renting additional land and purchasing extra seeds. With the profits from her expanded business, Chheung will make yet another investment — in her 18-year-old daughter's education, opening the door to send the teen to a private high school where she will pursue her love of linguistics, studying English and Chinese in preparation for the university education her mother dreams of one day providing her with.


Chea Sophal
As the pastor's wife at Chheur Teal Methodist Church, Chea Sophal is proud of the initiative the women in her husband's congregation have shown in starting a credit and savings group, and she looks forward to the day when she can invest her own savings into the group — a gesture she sees as an important vote of confidence in the women.

Chea says the group is both an economic and a spiritual tool.

"It helps group members improve their standard of living, and it helps bring (non-Christians) to God," in a very physical sense, through group meetings held in the church building, she said.

And though Chea sees her role in the group as more of a cheerleader and investor, all the entrepreneurial dreams being floated in group meetings seem to have caught her own imagination, and she now hopes that one day she will be able to take out a small loan of $100 to turn her domestic chicken-raising efforts into a small, for-profit operation, by building a chicken house and purchasing additional chicks.

Like her fellow groups members, Chea too, plans to put away profits from her business toward her youngest son's college education.

A silk weaving group in Prey Cherteal Village, Takeo Province

by Ms. Daneth
Prey Cherteal is one of the villages in Prey Kabash district, Takeo province. This village is known for people who are good in silk weaving. The whole family is helping each other to do weaving, though mostly women and girls do the actual weaving. They learn from one generation to one generation. Most of the girls learn to weave starting about 12 years old. Nowadays the grandmothers and mothers are passing on what they know to the next generation so that this skill will not be lost from their community in the future. Additionally, people in this village are also able to improve their life through this skill. It provides them with a good income and the children don't need to look for job outside the community. It is living skill.

The weavers in Prey Cherteal could earn more from this work, but unfortunately they don’t have enough capital to own their own business. One of the most labor intensive parts of weaving is putting the thread on the warp. Therefore, they need to buy enough silk to thread their warp for 3-6 months of weaving at one time. This costs about $250, which is more capital than most families have available.

The rich business middle-men take this opportunity to cover the capital for them to buy the silk thread and dyes needed. When the middle men provide the thread and dye and the women only do the weaving, they get less benefit. Our people borrow the money and the raw material from the middle-men. The middle-men calculate the interest more than helping people and giving them benefit.

Our Methodist Church is working with this community through the church. There are some people also believe Christ, most of them are women. CHAD takes time to learn the situation of this village from day to day then we started to give the seed money to help the women to start Silk Weaving group with six members. Through this project three women were able to get loan first in September 10, 2010. Through this help the member of this group are able to earn more if we compare when they work under price control of middle-men.

Nowadays, they are able to earn profit of $ 20/set after they pay back their loan to their Silk Weaving Group. Before they were able to earn only $ 7.5/set. There are 4 meters/set for one warp and they also can finish 1 set in 15 days to 1 month. The 3 members give back the money with interest through the policy they made as part of the Silk Weaving Group. They keep this money in the village bank. This helps them feel safe and earns more interest from the bank.

Through this money that was paid back, on February 2, 2011, the group was able to give a loan to the next woman. Now 4 of the 6 members in the group have received a loan. They also plan to reach out to new member in the future after all the 6 member get a loan. In order to be chosen, the new members have to be kind, generous, ability for weaving, not default on another loan, to be patient and work hard. Another plan is that they want to start a saving group from the silk weaving group.

Through our monitoring visit we learned that this group is responsible, work together and also help one another in order to reach the community need. This is the vision of CHAD to see, after we help people and people can help themselves and reach out to their community.

Human trafficking and a women's hostel in Phnom Penh

by Katherine Parker
My cousin Wes sent me this article on Human Trafficking and it got me thinking about recent experiences that I have had.

I love going to the Tropical Oasis Spa down by the Toul Tem Pong market. It certainly is not as upscale as some others, but I like to support the young women who are studying there. It is part of an NGO run by friends of mine that works with at-risk girls and those who have escaped from trafficking. There is a great cafe downstairs and I often run into other friends from around town.

The Methodist Mission in Cambodia has a similar training program in beauty, cooking and sewing skills for at-risk young women. It is called Emmaus. Last year, we held a two-day meeting of the Social Concerns Committee (SCC) at the center to expose more of the Cambodian pastors to the program so they know about the opportunity as an option for at-risk young women in their communities. It is a great program and I love visiting its relaxing and beautiful campus. It is a bit out of Phnom Penh, so I've only been a few times. They work hard to help the girls with job placement and just submitted a proposal to CHAD to help some of the graduates with loans to set up their own businesses. The goal in part is to enable young women to return to their villages, rather than stay in Phnom Penh to look for work. I really hope we can fund them.

I also started going to a Monday night prayer group. It is held at the home of a man who works for World Vision on advocacy about trafficking. He has been educating me bit by bit about the situation in Cambodia and in Southeast Asia. While I know that trafficking is a reality here in Cambodia, I usually don't think too much about it. A recent incident, though, has forced me to.

The 10th grade daughter of a church worker I know was waiting at the side of the road in a dark section of Phnom Penh to be picked up to go home after an event. A moto-dop (motorcycle taxi) pulled up. He looked legitimate and she decided to get a ride with him rather than waiting for her arranged ride to come. Quickly, she realized that he was not going in the right direction. He took her to a house and locked her up in a room. Later, she met other girls who were also locked up and who had had similar experiences. They were awaiting transport to Thailand for prostitution.

The church worker's daughter had some advantages that others did not. Because she was waiting for someone to pick her up, family and friends realized right away that she was missing. The church called together a prayer meeting. The church members put out posters and the moto-dop drivers in the church started asking around.

A few days later, her captors said that holding her was too much trouble and they let her go!

The family is not talking much about it, and even though I was just at the church either shortly before or after the kidnapping, (I'm not sure of the exact timing), nothing was mentioned to me. I think there is shame associated with the situation and the church and friends want to minimize that for the girl and her family. I know she wants to continue with her studies.

What would have happened if they didn't have a church community to work together and come to her aid? What about all of the other women who are being held? I know intellectually that Phnom Penh is a dangerous place for young Khmer women, but this seemed really close to home.

The young women from the Emmaus Center have been living two by two when they come to Phnom Penh, but the situations are not optimum. The Women's Program has been praying about starting a hostel where 20 or so of them can live together (both Emmaus graduates and those who come to Phnom Penh to attend college). The reality of the work situation is that the young women often have to work on Sundays, so they can't participate in a regular worship community. A house would give them solidarity and support for each other and a place where they could continue their spiritual development. Yesterday, I heard that the house next to mine might be available for rent, and I thought of it as a possibility.

I have also been praying recently about how I might be more involved with spiritual development of young women in Cambodia. Maybe this is an opportunity. There is still quite a bit of planning that needs to be done, and this is really just the first glimmer of an idea. We would need to raise the funds for maybe two years of rent up front to give the project a chance to become self sustaining. The girls in the house would initially be responsible for water, electricity, and food. We have other hostels around Phnom Penh that have been very important outreach ministries to youth, so we have a good model of how it could work.

Please pray for the Women's Ministry of the Methodist Church in Cambodia, for how the ministry might best be expanded with young women, particularly those at risk. And, please pray for me, also, that I might have clarity about how I can be involved.

A savings & credit group

On Saturday I visited the church of Lun Sokom, here is a quick update about the project at this church.

About a year ago they started a saving group in the church. The 20 members of the group (both Christians and non), each save 1000 reil ($.25) every month. They have also been giving out small loans of about $15-$25 to the members (repayable in 3 months). Three members took loans last year in order to buy feed to start raising chickens. They pay 3% interest. According to an earlier plan, they would start the savings group and after they demonstrated it's success, then CHAD would come in to provide additional capital (around $500), which would allow the group to give larger loans out to the members. I went to evaluate their progress and also to introduce the curriculum "Mobilizing the Church", which is a bible study designed to facilitate group formation.

The group has been functioning successfully so far. However, before we contribute to the capitol, they need to have the group by-laws in writing, so that there is a clear understanding about what will happen when folks enter or leave the group, etc. We also want to formalize their record keeping. Finally, the group suggested that they open an account with Acelde Bank since they will now have a larger sum of money that needs to be handeled. Step by step we can see progress.