How solidarity groups of women in West Cameroon organize themselves with private European investors to fight poverty and exclusion. How small business and morally clean entrepreneurship changes the future of many.
3. CRÉDIT AUX FEMMES ACTIVES!
Give loans to active women!
•Independence through
economic growth
•Women in West Cameroon
fight for their future...
•...and their children‘s chances
4. Micro Credits to women...!
= Micro Credits / Give credit to women/ Small loans
to women for small and start up business
Give credit to women - in both senses:
• Women need small loan at low costs to grow
their property
• Women need recognition of their abilities by
the civil society (men)
5. Economic Growth is crucial
• Growth is the target for all
micro Finance institutions
• Economic growth is what
the women seek for
markets develop
• Property growth is defined
by interests of their loans
consumers emerge
6. Why gender equality
matters for economic growth?
Andrew Morris, 2007, asked
„Growth is crucial for what exactly?“
• First generation of gender equality increased
control over resources by mothers results in more
spending on children’s health and education
• Second generation impact of pensions &
insurances, CCTs and micro credit
• Much stronger evidence that gender equality matters
for household poverty reduction
• Evidence on gender equality’s impact on
productivity (micro foundations of growth) is
suggestive but not conclusive
What does this mean to us, working in the fields to fight
poverty?
7. Dignity is our first task
• OUR target for a sustainable
future is not growth but
DIGNITY
• OUR experience is that
dignity, respect and
recognition
AUTOMATICALLY leads to
economic growth.
• OUR way is solidarity
between women and will
ALWAYS be solidarity -
deeper & better
8. Women - Backbone of
Central African economy
• always it was the
women who created
added value
• since ever women
bear fruits for next
generation
• evermore women
keep growth and
prosperity in mind
9. Loans bring success in
business & growth
• ...property is created
• ...cash flow achieved
• ...growing out of poverty
Yvonne Blanche Mbella working
in the field / on the ground
11. I - ASPECT ÈCONOMIQUE
• La femme active, entreprenante, grâce à ses
activités (Commerces, travaux, champêtres et
autres) pour peu qu’elle ait un soutien
financier (micro crédit) aboutit finalement à
son autonomie financière, en ce sens qu’elle
peut prendre soin de sa famille, avoir son
épargne propre pour développer ses
activités, afin de décider sur leurs revenus,
de planifier la vie de famille (leurs enfants),
leurs activités et leurs foyers.
12. II- ASPECT SOCIAL
b) Femmes et éducation.
• NOS femmes ont droit à
a) Femmes et métiers
l’éducation. Dans les temps
anciens la femme dans notre
La femme doit être libre de choisir continent africain n’avait pas le
son métier car à travers ce droit d’étudier. Elles ne pouvaient
métier, elle aura des revenus pas lever le petit doigt pour
lui permettant de s’épanouir et
de soutenir sa famille, par donner leurs opinions, qui pouvait
ricochet, participé à l’éducation même à cette époque changer le
des enfants, ce qui contribue destin de nos pays.
en particulier à la stabilité de la
famille, et également de la • La femme dans sa nouvelle
société. nature, cherche à percer le
mystère tant caché au paravent.
Ceci entraîne en elle l’envie
d’acquérir des formations et
d’encadrement dans leurs
activités diverses (coaching).
13.
14. III- ASPECT POLITIQUE
L’homme, dominateur dans notre continent est resté maître
de tous jusqu’à ce que naisse des idées nouvelles à
l’exemple de la liberté d'expression. Ceci a entraîné la
démocratie.
La femme active, par rapport à ses activités et son
autonomie, a un rôle important dans la société civil, car
elle gagne la confiance des hommes et s’imposent à un
niveau de responsabilité élevé. En ce sens, malgré leur
nombre insuffisant, nous avons aujourd’hui des femmes
qui occupent des postes politique dans nos pays (Chef
d’Etat, Ministre, Député, Maire etc.) – ce qui jadis étant
chose rare.
15. OUR ladies need independence
• To decide about their own activity
• To decide about their own revenue
• To keep track on their own plans for
• their children
• their business
• their homes
16.
17.
18. Development and Education =
Dignity
(In)Formation for their business
Training for better performance
Schooling for their children
Know How for leadership
Prosperity in lifestile
Stability in their families
their clans village country
Notes de l'éditeur
10, 20, 50 € of loans given to women without access to banks and credit systems. In gorups of 5 they guarantee for each other. This guarantee of solidarity replaces bank guarantees of property, which they do not have. Mohamed Yunus un Bangladesh is the founder of this system that has been leading out of poverty millions and millions of people over the past 30 years.
Our organisation is small but very effective. In just the last 22 months nearly 60 women have received micro crédits through know how and assistance from Yvonne and me free of charge, up to now.
Women achieve:
2007, Yale University CCT = Center for Community Transformation
I - Economic Aspect The active business women in Cameroon gains her financial autonomy as soon as she receives financial support through a micro credit. Her commercial or craft's activity, her agricultural or other products only in that very moment enable her to sustainably care for her family. She will soon dispose of her own economies to further develop her activities. And she finally will decide about where and how to direct her income, how to plan family life - particularly for her children, including all their educational activities.
II - Social Aspect a) Women and Profession In complete liberty all our women should decide their own professional road. It's the single woman's profession giving her job satisfaction and income to support her family. Indirectly the micro credit allows her to participate at the education of her children which definitely contributes to stabilize the whole family and consequently the society. b) Women and Education Women have a right for education! In old times women had no right for schooling - no right even to lift their hands to give an opinion which would have changed our destiny in those days. Women, today - having just discovered their own nature - brake through mysteries hidden before her. She now needs access to tutoring and coaching for her plans!
Dignity through Information and education
III - Political Aspect Men, on the contrary, dominated our African continent until new ideas were born such as freedom of speech and expression. That's what leads us to democracy! Our "working girls" according to their activities AND their autonomy have an important role to play in Civil Society. As women gradually gain respect by the male part of society they place themselves into a level of higher responsibility. And, even if still insufficient in numbers, we observe in Cameroon more and more women taking over political positions where before this was very rare: head of states, ministers, MPs, Lord mayors and others...
Organigram for a successful project of micro finance Investors, research management and receiving micro credit bank form a triangle of technical assistance for the receivers of loans ready to pay back.
Organigram for the pay back of micro credits - loans - received The micro finance bank has the central role of managment for every solidarity group receiving a loan. The group leader and the assisting coordinator of the loan circulate around the bank. NB. This rotation of information between group leader, micro credit bank and coordinator (or technical assistant) is the essential base for a certain of pay back, be it monthly or quarterly.
Sustainable Development for the dignity of new generations and their Education are key questions for women in Central Africa
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