I’m sure many of you are wondering what I’m actually doing in Guider. My work primarily consists of forming and advising VSLA (Village Savings and Loan Associations). The basic principle of this methodology is that members of a self-selected group voluntarily form a VSLA and save money though purchasing shares. The savings are invested in a loan fund from which members can borrow, repaying with a service charge added. VSLAs are a form of accumulating savings and credit association, a generic term that describes this type of small-scale community-managed financial institutions. The primary purpose of a VSLA is to provide simple savings and loan facilities in a community that does not have access to formal financial services. Loans can also provide a form of self-insurance to members, supplemented by a social fund which provides small but important grants to members in distress.
Many of the groups that use VSLA also have community groups – most of which were started in response to the economic crisis of the 80’s as a means of financial and economic support and are still in place for this purpose. A good number of these groups are not functioning as intended due to lack of organization, leadership or even a clearly defined mission. From creating an organizational structure, teaching/encouraging leadership, performing cost-benefit analysis of income generating activities to facilitating the process of legalizing a group – there are many ways to enhance productivity. This, for me, is the beauty of my work here. I actually get to go out and access a situation (hopefully objectively) and ask people what they want and need.
Now, since I have arrived in Cameroon, I seem to go through phases in which the same advice will be given to me over and over, from different situations and unrelated people. For the past three months this has definitely been, “Il faut supporter.” In French, this means “It is necessary to support” - or perhaps more accurately - tolerate, bear or endure. In my head I always interpret this as somewhat close to “Life is tough, suck it up.” The first time I heard it in Guider was in relation to the heat. It didn’t take very long for this little piece of advice to leak over into all areas of my life here. Specifically there have been two instances in my mind that I still remember.
One day I biked to a village close to Guider for a VSLA (village savings and loan association) meeting. Of course meetings never start on time and I count my lucky stars if it is only 20 minutes late; however it’s not abnormal to wait for over an hour. As I’m sitting on the ground waiting for more women in the group to show up, the mother of my community host (God bless her, she is one of the nicest people I have met) senses my growing impatience and just looks at me with her sunken eyes, flashes a hint of a smile and rasps out an apologizing “Il faut supporter.”
The other situation occurred because, for some silly reason, I let my friend talk me into weaving my hair, which consists of tying and braiding fake hair into your own locks. I’m never one to turn down an offer to partake in any new experience; I have to try everything at least once. Since it is very common for women here to weave their hair, at least if it turned out ugly I would be integrating. Well, I do kind of resemble a crazy Jamaican hippie but that isn’t the worst of it. The lady who braided my hair thought it was ok to show up 3 hours late on the 3 different days it took to attach this ball of fur to my head. Overall, it took over 15 hours to complete. On the third day of torture my friend (who was the one who convinced me this was a good idea) calmly looks over at me as proclaims, “It’s like having a baby, Krystal. I can’t do anything to help you, you have to shoulder all the pain and grief yourself,” – which sounds an awful lot like “Il faut supporter” to me.