Just Starting in Kalabat

Kalabat is the site of a parish church and a weekly open market in eastern Gwomòn. It is a challenging ride on a motorcycle from Gwomòn’s downtown area. The road follows a river, crossing back and forth in more than two dozen places. The riverbed is covered with rocks of various sizes, and the muddy water makes the rocks invisible, creating an unpredictable ride.

Gertrude lives in Abela, a small community above Kalabat. She shares a home with her husband and five of their seven kids. One of them is actually her late sister’s child. The girl has been living with her aunt since her mother became seriously ill.

Gertrude used to support the family with income from her small commerce. She was something like a grocer, selling basics like rice, oil, and sugar to her neighbors. She earned enough to keep the family fed and to send the children to school. Her husband added what he could be farming, but he earned very little. But when her sister grew ill, Gertrude spent what she had to try to save her. It only took a few months of trips back and forth to the hospital to burn through the capital in her business. Funeral costs ate up whatever medical expenses hadn’t burned through.This year, the children could not go to school. The family has not had food to eat every day.

She says she looks forward to the program. She has used most of her cash stipend so far to buy food for her family, but she also bought a chicken.

She has asked the team to give her money to re-start her grocery business, but also goats to raise. She wants to raise goats because they can help her send her children to school. If they reproduce, she explains, you can sell one now and again to pay fees. But goats are also insurance. She points out that if she had owned livestock, she could have spent money on her sister’s health without eating up her business.

She hasn’t worked out clear goals for her time in the program yet, but she isn’t worried. “Once you have possessions, you’ll see what to do with them.”

Figenie and her husband have seven children, but just six live with them at home right now. The oldest went off to live with a cousin in Pòtoprens just a couple of weeks ago. “My cousin told me they’d send my child to school.” Figenie has never been able to send any of the children to school herself. They do not even have birth certificates, nor does she have one herself.

She and her husband have supported the family by working in their neighbors’ fields. They “vann jounen.” That means that they sell their labor by the day. They can earn a couple hundred gourds on days when there is work, but that is not a lot for a family of nine. Occasionally, she has been able to buy a gallon of rum on credit, which she then sells by the shot. She might buy tobacco, too, to sell with the rum. But those who sometimes lend her money are reluctant to do it during planting season, when they need all the money they can muster. So she, her husband, and the children must get by on day labor.

She joined the program, and she started to look at what she could do if she had money. The first payment of her weekly stipend was four weeks’ worth, 2,400 gourds, or a little less than $20. She put away 1,000 gourds to use to buy shares in the savings and loan association that the CLM team has set up for her and her fellow members, but she also bought a couple of measures of pigeon peas that she has planted on her own small plot.

She’s asked the team to buy her a pig and some goats that she can start to raise, but she does not have a clear idea what she will do with them. She says clearly enough, “I don’t have a plan yet.”

Mulène is from Kalabat itself, but she only moved back there recently. She had been living as a widow with her daughter in Kwadeboukè, Pòtoprens’s northernmost suburb until about a year ago. She supported herself and her daughter selling groceries. But gang activity drove her out of the room she rented there. She lost everything. She fled back to Kalabat, where she moved in with her mother and her younger sister. She says that they have been living mostly off of neighbors’ charity.

But she has gotten off to a quick start in the program. She took the four weeks’ worth of stipend that she received, and immediately went into business. She bought a range of snacks — cookies, crackers, popcorn — and began selling them off of a small table that she sets up in the schoolyard near her home. Business is good. The schoolchildren buy her inexpensive snacks.

She thought about using the stipend for household expenses, but it didn’t seem right to her. “If someone gives you something, you can’t just wreck it. You can’t just eat it up.”

She’s already thinking ahead. The school year is almost over, so she will need to make a change in her business soon. She hopes to start selling her snacks in the market, but she wants to go back into the grocery business as well. She will be able to do that, she says, as soon as the CLM team transfers to her the funds for income-generating activities that it plans for her. She wants to raise goats as well, but in the light of her experience as a grocer, raising goats still seems a little like an afterthought.

Getting Started in Gwomòn

The CLM program is just getting started for Rositha, a 31-year-old single mother of six from the hill above Kalabat in the Rivyè Mansèl section eastern Gwomòn. The father of her first three children abandoned them and her, but then she found another man and had three more kids with him.

He helped her take care of the kids she already had, and the couple was struggling along. The man farmed, and she had a small business selling corn in downtown Gwomòn. Sometimes she’d buy plantains near her home and hike downtown with them, carrying them on her head, for sale there. She and her children lived then, as they live now, in one room of a home that belongs to her brother. Other family members live in the home’s other two rooms. Her partner lived nearby, with his parents.

But the man grew sick. She spent all the capital in her business trying to help him back to health, but he eventually passed away. She was left on her own with her kids. Family members took the two oldest to lighten her burden. They are now in school, but they aren’t with her. She’s been struggling along with the other four, living mainly on charity from family members.

When the CLM staff started working in her neighborhood, she did not think much of it. When they visited her a couple of times, asking questions, she was happy to respond. She didn’t know what it was about, but she says, “I thought I might make something out of it.”

She enjoyed the six days of training that launched her into the program, and she looks forward to the chance to apply what she learned. She hopes to be able to use the investment that the program will make in her livelihood both to return to small commerce and to begin raising goats. She thinks that commerce is important because it can give you the money you need to manage your family and also allow you to save something. And she wants to raise goats because they give you something you can sell if you run into a sudden need.

She does not yet have a real vision of what she wants to accomplish in the 18 months she will spend in the program. For now, she says only that she hopes when she graduates to be able to hold onto what she has come to possess.

Germène lives in her mother’s house with three of her kids. One daughter spend the school year in downtown Gwomòn with family that sends her to school, but she comes home for vacation. The children’s father is not around. “He’s not here because life is hard. He goes around looking for work. He is in Okap now. The children like to talk with him on the phone when they can.”

She is supported, as is a younger sister who is also now a CLM member, by their mother and stepfather. Their stepfather farms. She too has land she could farm, but she doesn’t have the resources she’d need to plant.

She didn’t see anything odd about the questions the CLM asked her during their selection visits. “I didn’t know why they were asking all those questions. Now I know.”

She’s been frustrated by her struggle. “You get up in the morning, but you don’t do anything. you have children you don’t send to school. It’s like you’re no good to them.” She hopes that CLM will give her a way to acquire things that she has not been able to have.

Like Rositha, she’s is interested in small commerce and goats, and for some of the same reasons. Goats are easy to care for, and they give you a way to get your hands on money if you have a problem you need to solve. Small commerce gives you a regular income. You can take care of your family and deposit money in a savings club.

During her six days of training, she received a daily stipend. All the new members did. This small stipend, worth less than $2 per day, was originally conceived to cover transportation costs, but over the years members have almost always decided to walk to training so that they can use the stipend in other ways. Germène used hers to begin making contributions to a savings club. The members of the club take turns receiving the whole pot after each regular contribution. Germene’s turn hasn’t come yet, and she initially hoped to be able to use her turn to set herself up in a small business, but the one child she sent to school this year was sent home for non-payment of fees. So, she now thinks that the money will have to go to the school.

Edouarin and her husband Vercius have a large family. One of their younger daughters helps Edouarin count how many live together in their home. They have eleven children, though just six still live with them. The two oldest now live in their own homes. Another three, Vercius says, are “out in search of a living.” They have five grandchildren with them as well. So, they are 13 all together.

Edouarin says that the house they live in belongs to her brother-in-law. Their own house was in a miserable state, and the brother-in-law was living in Gonayiv, the large city to the south of Gwomòn, so he said that they could just use his.

The couple survives by Vercius’s farming. Some of the land is theirs, but mostly he works as a sharecropper, giving up half the yield to the land owner in exchange for the right to work it.

Edouarin wants to start raising livestock with the program. She’s hoping to have both goats and pigs. They offer what she calls a “garanti.” She explains that the garanti is the young that the animals will have. For her, it is a profit she can count on.

But she also wants to get into small commerce, and she explains that she wants to contribute money to the household. She does not want to count on her husband’s farming for everything. “If he pays for the rice, I can buy the oil and the salt.” And she adds, “I’ll will feel differently about myself when I have my own [economic] activity.”

She doesn’t yet have much in the way of specific goals for CLM, but she know what is important to her. “I do not ever want the children to have to sit at home again. I want them to always be able to go to school.”

Ten Months in Gwo Moulen

Merjina Jean lives in Gwo Moulen, but she isn’t from the area. She’s from Flande, a busy y-shaped intersection that connects the road to Mibalè with the roads to Laskawobas, Beladè and the Dominican border in one direction and with the road to Savanèt in the other. She was living with her mother there when she had a child with a young man from Mibalè. Her mother threw her out of the house. The father’s mother ask her to give her the child to raise, but Merjina couldn’t bear to part with it. “He was the only child I had.”

She drifted for a short time, then she met the father of her second child, her daughter. He was from Gwo Moulen, and he brought her there to live with him. She would stay at home with her two small children, and he would travel back and forth to the Dominican Republic, working odd jobs there, and then coming home with what money he could.

One day, while he was in the D.R., the man’s mother came to tell Merjina that the man wanted her out of the house. The house was on his family’s land, so Merjina felt she had no choice. She had to leave, but she had no place to go. A neighbor finally invited her to move with her two children into a small shack on his land. By then she was part of the CLM program. She was selected while still living with her daughter’s dad.

When it came time to invest in assets to develop, she decided that she wanted livestock. The CLM program used to acquire the assets a member wanted and then transfer them to the member, but the program has been evolving, and it now transfers funds for investment in cash. Members make an investment plan in consultation with their case managers. They discuss the total amount that the program can offer to them, and they work out what different investments they will make. When they are ready to make those purchases, the case manager gives them the cash and follows up to see what they end up buying. Merjina took the money the program made available, and she bought two goats and a pig.

But it appears as though the purchases were not good ones. Her pig withered and then died not long afterwards. She now suspects that it was sick when she bought it, that the seller somehow concealed the pig’s condition. She still has her two goats, but neither has reproduced yet. She probably needs to sell them to buy others. She cannot afford just to hold onto them. The program had a lot of reasons for switching from in-kind transfers to cash ones, but Merjina’s experience shows that it has work to do as far as helping members buy well.

In the meantime, Merjina is now dating another man. She and her new partner are now planning to use Fonkoze’s contribution to home repair to fix a home that belongs to him. Then Merjina plans to move in with her two children.

She’s is pleased to have a partner again, and he seems happy to be able to help Merjina. He thinks, for example, that he can help her buy better goats when she decides to replace the ones she bought herself. And they are already farming together on land that belongs to him. She is not from the area, so she doesn’t have any farmland of her own. A single good bean crop could go a long way towards improving Merjina’s finances.

But there is one problem they will need to work through. Her partner wants them to have a child together as soon as possible. For him, it is a way to cement their relationship. Merjina wants to wait. “I have two children, and I can’t do anything for them yet.” A three-way conversation about this, and the need to make it a subject of serious and honest discussion between the two of them, takes up a large portion of the time their case manager spends with them on the day of our visit.

Clautilde’s life was once very different from the one she leads now. She and her husband were succeeding. Their farming had enabled them to buy land, both for their home and for farming. They also bought a mule to help with chores, but to enable Clautilde to carry merchandise between their home on the ridge east of Gwo Moulen and the market in Laskawobas, too.

But her husband abandoned her and their three children. He went to live with another woman. When she joined CLM, she depended on charity from her family.

She has, however, been working hard and successfully since she became part of the program. She bought three goats with the investment money that Fonkoze made available. Only one had its first litter, but the kid did not survive. Now two of them are pregnant, so she is hopeful.

Her other areas of investment have been more successful. She used some of the funds left over after her purchase of the goats to start a small commerce, and some of them to buy chickens and ducks.

The poultry has been flourishing. She has to keep them locked up in a shed for the moment. They’d do too much damage to the bean fields, which are everywhere in her neighborhood right now.

The commerce was initially made easier because she already had a mule. She buys produce in Gwo Moulen, and brings it for sale in Laskawobas. There, she buys basic groceries: food stuffs like rice, sugar, and oil and laundry products as well. She sells this merchandise both in the market where she buys them and out of her home on the top of the hill.

She has a couple of problems she needs to manage, though. For one thing, her mule hasn’t been well. It has been refusing to climb certain parts of the trail with its load. She’s thinking that she needs to just put it out to pasture so it can regain its health and then sell it to buy another.

For another, she has more money than she would like in the hands of customers who buy on credit. “Things have been really hard, and when your neighbors ask you to sell on credit, it’s hard to say ‘No.'” That’s common enough for merchants that sell basic necessities out of their homes, but Clautilde explains that neighbors will seek her out in Laskawobas, too. They will find themselves in the market with too little money to buy what they need, and they’ll ask for her help. For now, she still has enough merchandise to keep selling, and she feels confident that the folks who owe her money will pay.

She has been making weekly deposits in her savings and loan association, called a VSLA. She has a loan in her hands right now, having borrowed 20,000 gourds — a little over $150 — to both reinforce her business and invest in planting beans. Her first repayment is scheduled for later this month. In July, when the association’s 12-month cycle finishes, she will receive 26,000 gourds of savings along with whatever interest it earned on loans.

The beans she planted are looking healthy. A good harvest will be a significant addition to her income. Between that money and the money she will receive from her VSLA, she has two large projects in mind. She wants to buy a cow, and she’d like to buy more farmland as well.

In the meantime, her ex-husband has been talking to her family, telling them that he wants to come back to her. Her family has asked her to hear him out. “I will listen to what he has to say this once.” But she does not think they’ll get back together. She does not believe he’ll leave the woman he left her for.

Standing in front of the bean field behind her home.

Yvrose a Year After Graduation

Yvrose almost missed out on the chance to participate in CLM. She was recommended for the program by the case manager who first went by her home to interview her. She had no wealth to speak of. She and her husband, Jean Gaby, had three chickens, but little more. At the time, Yvrose had no income at all. The family depended on the little that Jean Gaby could earn as a mason’s helper, mixing concrete with a shovel or carrying buckets full to where the skilled mason was working. He also did a little farming. The couple was living with their two younger children next to their church in a shack that had been thrown together with old building materials that no one wanted. Their pastor had it built for them when he saw that they had nowhere to live.

But when the supervisor who interviewed her for verification spoke with her, he learned some things that didn’t make sense to him, so he rejected the initial recommendation. Yvrose was sending the two children who still lived at home with her to school in downtown Laskawobas. Somehow, she and Jean Gaby were paying both the school fees and for daily rides to and from school for their kids on a motorcycle taxi. The supervisor couldn’t understand where all that money was coming from. The school fees might be owed. Jean Gaby might make small lumps of money that would, with enough sacrifice, eventually add up to cover them if they were carefully managed. But the taxi rides would have to be paid for regularly. The supervisor felt that someone who could afford those daily rides for two children couldn’t really be poor enough for CLM.

Just after a cohort of 150 families launched in the program, and the new members had received their first six days of training, it became clear, however, that one of the women who had been invited to join the program would decline to participate. That left an open slot. And Figaro, the case manager who had first visited Yvrose, remembered her.

Case managers are taught to do more than just fill out forms for the families they visit during the selection process, but to think of themselves as advocates. He talked to the supervisor who rejected her, and learned that the taxi rides had been a real sticking point. Then he looked into the rides, and he discovered that they were paid for by another member of the couple’s church. He asked another supervisor to consider Yvrose’s case once again, and she was quickly given the available slot.

Yvrose had once been able to earn something by purchasing produce from farmers who were bringing it to market. She and her family live right on the main dirt road. Lots of sellers from the hills south and east of Laskawobas walk by on their way to market. They were happy to sell to Yvrose if she gave them a reasonable price. It saved them the trouble of carrying their burden the rest of the way into town.

Jean Gaby had had a relatively good income as well. He worked on a large, profitable farm in Tomond, the next town to the north. He was paid a salary, and managing his earnings had enabled the couple to buy their land. The plot they purchased was large enough that they were able to give some of it to their church, and it is where the church building now stands.

But things changed. According to Yvrose, Jean Gaby’s supervisor at the farm tried to seduce her. When she rejected his advances, he fired her husband. The family’s steady source of income stopped short. Yvrose’s business fell apart, too. Two difficult pregnancies that ended with c-sections left her unable to lift loads. But her business buying and selling produce depended on her physical strength. Without it, she couldn’t continue.

When she joined CLM, she wanted to raise goats.”I always saw people walking around with their goats, and I wished that I had some too.” Traditionally, a member would receive two or three goats and then a second substantial asset, but Yvrose looked at things differently. “I wanted bigger goats right from the start.” So, she got two large females. She took balance of her asset transfer in a couple of chickens.

She managed her goats with care, and by the time she graduated she had four of them, not just two. Her collection of chickens grew as well, and she had also purchased a cow to add to her holdings. But though she had dreamed of owning goats, and was happy to have realized that dream, raising livestock was not a real focus of her experience in the program.

One focus of that experience was her path towards building a new home. When Figaro explained to Yvrose that she would have to have a dry, secure home to graduate, she said she wouldn’t be able to do it. Both Yvrose and Figaro remember his response well. With a smile he said something like, “What do you want me to do, kick you out of the program because you can’t build a house?” He told her to get started, that getting started was the important thing, and that if she and her husband made a plan and started work they would surely finish.

Truer words have never been spoken. Not only did Yvrose and Jean Gaby build themselves a new home, but what they built far exceeded the homes built by almost any member we’ve ever worked with. Members typically build two small rooms with a good tin roof and walls of either palm wood or rocks and clay, depending on the character of the soil around where they live. Despite her doubts, Yvrose and her husband built a three-room home with cinder blocks.

Part of their success depended on how hard Jean Gaby was willing to work to contribute to the project. The cinder blocks were produced right at the construction site. That required cement, which they had to buy, but also sand to mix with the cement. And rather than spending money to buy the sand they’d need, Jean Gaby collected it himself, lugging it bucket-by-bucket from a nearby riverbed. That reduced the cost by a lot.

But even so, they spent much more than a CLM family normally would to build or repair their home. By Yvrose’s calculation, they borrowed 45,000 gourds with a series of loans from her savings and loan association — about $350 — to buy the other materials they would need. That’s more than CLM invested in the home and much more than program members typically spend.

All that money needed to be repaid, however, and taking care of goats and chickens wouldn’t help her. So Yvrose took out another loan from her association to start her business again.

It was a struggle. She still cannot lift heavy loads. But by buying from the merchants that pass her house on the way to the market and then waiting for the wholesalers’ trucks from Pòtoprens that pass in front of her home from its other side, she was able to minimize the physical part of the job.

Her business model became harder to sustain, however, as the route between Pòtoprens and Laskawobas became less reliable. Gang roadblocks on the road to Mibalè that drivers had to pass through meant that trucks could not always get buyers from the capital to the market, much less past the market to the area where Yvrose lives. She could sell to local buyers by bringing her merchandise to the downtown market herself, but apart from the extra effort involved, it was also less profitable. “You don’t really know what you’ll sell the load for, so you don’t know whether you’ll make money, and then you still have to pay the cost of the transportation.”

Fortunately, another opportunity came along. The CLM team was recruiting a small number of members to participate in a training on “transformation.” That’s the word agronomists here use to categorize the processes that turn produce into other products: making peanut butter, roasting peanuts, making wine or jam from fruit. The possibilities are almost endless.

The CLM team decided to focus on a few products that could be made with inexpensive, easy-to-find ingredients and only minimal equipment. Participants learned how to make, package, and sell papita, or plantain chips, karapinya, a kind of praline, and kòk rape, a treat made of shredded coconut. Yvrose invested 15,000 gourds initially, and she soon had increased her investment to 25,000.

Her products sold well, but she soon ran into a new problem. “If I was making product, I couldn’t go sell it. And if I was selling it, I couldn’t make product.” So she made two big decisions. “There was a woman living nearby making kokiyòl.” These are a little like plain donuts that are halfway to being cookies. “I asked her if she wanted to get together to make one bigger business. We talked and talked, and we decided to work together.”

Then the two women hired seven employees. Three sell their products, two assist the two women in their production, and the other two prepare the produce — like coconut or peanuts — for processing. They pay each a small, monthly salary.

The other woman’s know-how has enabled the pair to add a range of products to the business, and the group is doing well. Yvrose took out a loan for 50,000 gourds, so she now has an investment of over 75,000, about $575. And her dream is to make the business continue to grow. “I want the business to get really big. I would like it to be big enough so I can hire everyone in the neighborhood who needs a job.”

Gwo Moulen at Eight Months

Rosemène lives in Senadò with her teenage son. He is her youngest child. She was born and raised in Senadò, but she moved away when she met her first husband. They had four children together, but when he passed away, she could not see how to raise them by herself. By then, her mother was living across the border in the Dominican Republic, and the older woman asked Rosemène to send the children to her. They’ve been with their grandmother ever since.

Rosemène returned to Senadò, where she found an old family home should could inhabit. She had a child with another man, and he occasionally contributes some money to help her support the boy, but they haven’t been together as a couple for years. Most of the boy’s needs fall on Rosemène.

She’s done two principal things to support her son. She works in her neighbors’ fields when they will hire her, but that was never her preferred option. She always preferred to borrow money from friends or neighbors so she could buy sour oranges or meliton, a vegetable popular in Haiti. She would load a basket on her head, and hike more than two hours down the mountain to the market in Laskawobas. She would then sell her load, hike back home, repay her loan, and prepare for the next trip. Without a pack animal, the work was both physically demanding and limited. She could only sell as much as she could carry herself.

But she has not even been able to do even that much for a while. She developed a cavity, and it appears to have become infected to the point that she developed an abscess. Though the abscess was eventually lanced, the tooth continues to bother her. She can’t carry loads on her head at all anymore, so she and her boy have to make do with what little she can earn in the fields.

She bought a pig and two goats with the money the CLM program gave her to invest in business, but when she saw the the pig was getting sick, she sold it for meat. Selling a sick pig for meat in the Haitian countryside almost always means selling on credit, and that’s what Rosemène had to do. She had purchased it for 7,500 gourds, and she was able to sell it for 6,500, but she won’t be paid until June.

Her goats are doing better. They have been thriving under care from herself and her boy. One has given birth to its first kid, and the other is pregnant.

She has been making slow progress towards building a new home, but she may have reached an impasse. She borrowed 6,000 from her brother-in-law to buy the first load of palm wood planking she needs for the home’s walls, but when he asked her to repay him, she had to take out a loan from her VSLA. She was able to borrow the 6,000 gourds she needed, but she can not see how she will repay. It was a two-month loan, and with interest she’ll owe 3,120 this month, but she doesn’t have any ideas right now about where that money will come from. It is hard to see it coming from the little bit she can earn from field work, and she still can’t carry a load to market. And she has more building expenses waiting for her after that loan has been repaid.

If she is able to repay her loan, she has a plan for the savings she’ll receive when the cycle ends this summer. She knows the most important thing she can do for herself and her boy would be to get back into business, but she needs a pack animal to do it well. She hopes to be able to combine her savings with money from the sale of a goat to buy a donkey. She thinks she can buy one for 20-25 thousand gourds. “I know how to do business, a just need a little donkey to do it.”

Marie lives uphill from Rosemène, on an opposing offshoot of the main path through Senadò. She and her husband, Rodrigue, live with their three children. They have been working neighbors’ fields since before they joined the program, earning whatever the daily rate has been.

They have been able, for the most part, to feed the family and to send the children to school. “If you earn 500 gourds, yo might eat 300, but you try to save 200.” Paying for school, however, has involved borrowing money from the local credit union. They still owe 900 gourds of interest on the loan they took out to pay tuition.

But Rodrigue would also going down the mountain to central Laskawobas, where farmers pay lump sums of 1,500 gourds or more for a single job that lasts several days. These lump sums enabled the couple to to do most of the work towards building a home, but they never had the money to complete the work. The house has been sitting for years with doorways where the doors should be and incomplete walls.

They were able to complete work on their home quickly once they received CLM support. They bought the lumber they needed for doors, and hired a carpenter to make and mount them. They bought some additional planking, and they had the carpenter complete the open walls.

Marie is excited about the livestock she has been able to acquire. “Someone was letting me take care of their goat.” Normally, she might eventually be paid in kind from the goat’s offspring. “But now I have two goats of my own. One already had a kid, and the other is pregnant.” She also bought a pig and a turkey.

She has a plan. She wants to sell offspring from her livestock, add the money to what she has saved in her VSLA, and buy a cow. “Once your cow has a calf, you can begin selling milk.” She explains that a gallon sells for 500 gourds, and she can use that money to feed her kids, though she and Rodrigue plan to continue doing the fieldwork they have always done as their main source of income.

Ivronie lives on the main path between Senadò and the center of Gwo Moulen, but she hasn’t been there for long. She was a single widow, raising three children by herself, living in a home that did not belong to her. She would take care of the children by working in they fields that her late husband left for her and with a business bringing produce to market.

She met a man. He’s showing himself to be a good partner, willing to help her take care of the kids she already had. He had purchased a small piece of land, but neither had the money to build a home on it. He also bought a horse to help her with her commerce. When, however, she gave birth to another child, her first with her new husband, she was no longer able to go to market. “I have no one who can watch the children consistently. My husband has to be away too.”

Joining CLM changed her situation in several ways.

Using support from the program, the couple has been able to build a new home on the land they own. They installed a window on one side of the home that Ivronie can use to run a small grocery business. “It’s not a good business. Neighbors buy on credit, and it’s hard to get them to pay.” For now, however, with a baby in her arms, it is the best she can do. Her husband takes the baby on Mondays, when she goes to market to buy. She hopes that when her baby is a little older she’ll be able to do more business going back and forth to the market in Laskawobas.

As small as it is, her business is important to her because it enables her to save money in her VSLA every week. The livestock she bought with funds from the program is starting to prosper, and she hopes, like Marie, that when her VSLA cycle is over she will have enough money between her savings and what she can ear from selling off other livestock to buy a cow. Unlike Marie, she does not have a plan for her cow once she buys one, but she know she wants one.

Bedeyenn at Eleven Months

Giresline lives well off the main dirt road that cuts through Bedeyenn from Ma Wouj to Answouj and beyond. She and her partner Gracilien have one child together, but she had three children before they ever got together. Her older daughter lives with her mother, who needed a child to help her out, and her older son lives with the boy’s father’s family, though both Giresline and Gracilien would like the boy to come them eventually. Giresline speaks well of Gracilien, “He loves children. If it was up to him, we’d have all of them with us.”

Since they got together, the couple has been living with Gracilien’s mother. They do not yet have a home of their own. Giresline isn’t from the area. She is from Ma Wouj, the major market town in the hills farther up the main road towards the northern coast. “My husband saw me in the market there, and he started talking with me.” The couple has a small plot of land that Gracilien bought with earnings from charcoal-making in the years before he met Giresline, but they have never been able to build a home on it.

With her first CLM investment funds, Giresline set up a small commerce on a table in the front of her mother-in-law’s yard. She sold basic groceries, like rice. But it never worked. “People always bought on credit.”

Her problem is that she is no good at getting people to pay. “I just can’t ask people for money.” When she saw that most of her capital was disappearing, she took what remained, and bought a couple of chickens.

She has now started selling charcoal. She can buy two sacks a week for 600 gourds each and sell them for 1,000 gourds each at the large market in Ma Wouj. She sells it at the market, and there is no question of credit. Her customers have to pay cash. That’s 800 gourds each week, or about $6.15. Gracilien still makes charcoal whenever he can.

With her second transfer of investment funds, Giresline met her case manager at the market, and they bought two goats. She’s excited about the opportunity they present to her. She says that she’ll use the goats to pay for her children’s school. “If they give birth to bucks, I can sell them to pay school fees.”

She is most excited, however, about the support the program is giving her to help her and Gracilien finally build a home. They had not yet been able to start construction, even though they had the land. Giresline gets along well with her mother-in-law, but she wants to have a home of her own.

Norelia and her husband Frechenel were doing well. Frechenel earned a steady income for the couple farming, raising livestock, and working as a laborer loading the big trucks that carry all sorts of loads between the lower Northwest and Gonayiv, Haiti’s second city. And the couple needed his steady income. They have eleven children.

But they were able to support them, sending them to school. Just one of the eleven was sent to live away from home with an aunt in Pòtoprens, when the aunt asked for him.

The story of their situation, and the reason they are part of CLM, is clear when one looks at their home. They live in the wide, hilly area between the main road through Bedeyenn and the commune’s small, quiet downtown area. They have their own lakou, or yard, and there are a couple of small structures in it. The principal house is the one they themselves were building with cinder blocks and a poured cement roof, a much more expensive construction than a CLM member would normally be able to afford.

But the home is unfinished. Its walls were never covered with the thin layer of cement that Haitian use to give cinderblock homes a smooth appearance. What’s worse, the couple has not been able to install solid doors. One of the three front doorways is covered by a sheet of roofing metal that’s been nailed in place. The other two doorways, the ones that lead onto the covered porch, are covered with old doors made of scraps of lumber. Something blocked the construction.

In 2023, when they were still working on the home, Frechenel had a stroke. He hasn’t been able to work since then. He spent some time, initially, at the largest local hospital in Jan Rabel, but eventually he and the couple’s oldest daughter moved in with family in Ma Wouj, the market town, where he can get regular physical therapy. Norelia is excited because he is just now about to feed and even dress himself. “He will come back home.”

Since he stopped working, the family has depended entirely on Norelia. Once a week, she borrows a pack animal from a neighbor, walks with the animal to the salt flats in Answouj, where she buys a load of salt for 1,000 gourds. She brings it back to Bedeyenn, and then brings it for sale the next day to Ma Wouj. She can usually sell it for 2,500 gourds, a profit of about $11.50. That is her main source of income to manage her large family.

The map shows her home, a red star marked “Norelia’s Home,” and her locations both for buying and selling, similar stars with labels in red.

She’s used the funds Fonkoze could invest for her to buy goats. She and her case manager purchased four. One has already given birth to a kid. The other three are pregnant. “Goats are important. They give you a way to manage your problems. When you have a lot of children, you have to have a place to look just in case.”

But she would eventually like to establish a larger, more profitable business. She’d like to sell sandals, underwear, stuff that sells especially well, she says, around the holiday season but sells to a degree all around the year. But she’s reluctant to start. She explains that the work on the house’s interior is even less advanced than the outside. There are no interior doors at all. She has no place inside she can secure merchandise, and she explains that, when you have a lot of kids, they and their friends can get into things. As if on cue, her youngest girl opens up her sack of course salt and steals a few small chunks to suck on.

So, Norelia is planning with her case manager to use her home repair budget to finish work on the house that she and Frechenel started. Once she has a room within it that she can lock, she plans to start buying merchandise to start her new business. She would eventually like to buy a pack animal, even if only a donkey, because going to the various markets her work takes her to will be much easier and more profitable when she has one of her own.

Louimène

On Thursdays, the Labasti market takes over a small section of National Route #3 about five miles south of downtown Mibalè. Merchants of all sorts spill into both sides of the street. Some of them are hawking loads of produce, bigger or smaller, in sacks or baskets or simply piles. There’s clothing, both old and used, hardware arranged in racks or on carts, cosmetics, laundry products, and groceries.

Vendors stroll up and down the road with bundles of brooms or pyramids of home-made chairs loaded on their heads or with homemade racks of belts or sunglasses. Pill-sellers weave through the crowd, their buckets piled high with medications. Bread and snacks of various sorts, both packaged and fresh-fried, are sold as well. Soft drinks and hard liquor. Cooks offer full meals: beans with rice or cornmeal and sauces thick with meat and vegetables. There’s a place to sell livestock at the market’s northern end. 

In other words, one can find most of the things that the ordinary days of life require.

Parked vehicles line both sides of the road, adding to the traffic: large livestock trucks from Pòtoprens sent from slaughterhouses in the capital, beat-up pick-up trucks of the sort that carry people and merchandise throughout Haiti, and clumps of motorcycle taxis waiting for fares. Route #3, the route through central Haiti, is now the main – really the only – road out of Pòtoprens northward. The passage of buses and trucks is constant during daylight hours, though only during daylight hours ever since gangs took control of the entrance to the metropolitan area just below Mòn Kabrit. Passage through the market can involve a lot of horns and a lot of yelling.

About fifty or hundred yards south of the market along the road from the main market space, a footpath branches off to the east. It’s a couple of feet wide, made of hard-packed soil. But it’s uneven. Heavy tropical rains wash irregular contours out of it. The thick roots that enter the path from both sides hold the dirt in places, but only in places, which only serves to make the path less even. Dark mud collects in spots whenever it rains. 

The path passes three or four small metal-roofed houses on each side before it comes to farmland. The area around Labasti is fertile, and as this path cuts downward towards a narrow, muddy stream, it passes along a couple of patches of corn, pigeon peas, and manioc. Further in, larger spaces are planted with plantain and sugarcane, the crop that has come to dominate in the area. The stream is easy to ford, and the path climbs the opposite bank, continuing upward past a few more homes before a large field of cane opens up on the left.  

On the right, a few feet above the road, is a shack falling apart in the middle of an abandoned-looking yard. Behind it and slightly above it is Louimène’s small home. 

***

Louimene graduated from CLM in December 2014. Her experience in the program was unusual. She was part of it for just nine months, rather than the usual eighteen, and she received an investment from Fonkoze much less than what her fellow members received. But, even so, she speaks of CLM as an important source of her success.

She joined the program later than the other members of the group she eventually graduated with because, right after she was selected, she left Labasti, where she and her partner Lucner had been living. She went off to care for her sick mother in Bouli, an area in the mountains of northwestern Boukankare, the commune north and west of Mibalè. By the time she returned to Labasti, the program had started, and her place in it had been taken by another member.

It was too bad. She, Lucner, and their two boys could hardly have needed CLM any more than they did. They were living in an ajoupa, a straw tent-like structure, in the corner of a field that did not belong to them. It belonged to a farmer who would hire Lucner to help in his fields. Lucner earned 50 gourds on the days that the farmer gave him work. That was about $1 at the time, and it was the couple’s only income. It had to feed two adults and two small kids.

***

Their life hadn’t always been that way. When they met, Lucner was a successful small-time merchant in Pòtoprens. Louimène was a maid in a home near his business. Lucner fell for her, and he lights up when he tells the story. He liked her as soon as he saw her, and he decided to get to know her better. 

Louimène’s father died when she was 14. Her mother could not afford to take care of Louimène, so she sent her to live with a family in Pòtoprens. Louimène left the family within a year. She went off looking for a job because she did not like the way the family treated her. “I was hungry all the time. They had a business selling boiled cassava root as a snack. They would feed me the leftover roots that hadn’t been sold.” 

She found a job as a maid, which she soon left for what she thought would be a better one. One day, when she was not yet 16, she was sent to his business to buy some rice. Lucner volunteered to deliver the rice himself, leaving the business and his wallet in Louimène’s hands. That wallet functioned as his cash register, and it held all the money from the business, over 7,000 gourds. “I wanted to see whether she was honest.” When he returned from the errand, he found that all the money was still there.

He gave her 500 gourds as a thank-you gesture, and she used that money to buy cookies and crackers, which she began to sell. Soon she had turned those 500 gourds into more than 1,000, even while she continued to work as a maid. “I liked her right away, but when I saw how smart she was I decided to try to make her mine.”

Then one of his brothers became sick, and Lucner returned with Louimène to his home community in the hills east of Labasti, to help care of the man. They spent almost everything they had nursing Lucner’s brother back to health, but then they had to leave the cluster of homes where Lucner’s family lived because Louimène and Lucner’s sister could not get along. 

They moved into a room of a house that belonged to a wealthier neighbor, but it wasn’t long before the neighbor wanted them out. “He told us to open the door and the windows to let the mosquitos out.” It was as though they were attracting bugs.

So, the couple threw up the ajoupa, a one-room, tent-like structure that Haitian farmers build out of straw. They got permission to put theirs in a corner of Lucner’s employer’s field. Usually, an ajoupa serves as a temporary shelter for farmers while they work in fields too far from their home to go back and forth every day. But for struggling families like Louimène’s, an ajoupa can become a long-term home. 

The ajoupa was the only home that she and Lucner had, and it stood on a plot of land that wasn’t theirs. They had no livestock or other assets of their own, and they depended on the 50 gourds Lucner earned on the days when he could earn it. The CLM staff members who saw them during the selection process gave them the highest possible score for food insecurity, “food-insecure with hunger.” They were going hungry much of the time.

***

But shortly after Louimène returned to Labasti from caring for her mother, a CLM member in a neighboring community decided to move to Pòtoprens, abandoning the program. Hilaire, the case manager who was working in Louimène’s neighborhood, strongly advocated for bringing her in it to replace the woman who left, even though about half of the program’s eighteen months had already passed.

The CLM team was able to recuperate the roofing tin from the woman who had left, pulling it off the framework it had already been nailed to. The staff also retrieved one of her two goats, a small pig, and 1,000 of the 7,200 gourds of cash stipends she had received. All this was given to Louimène, but nothing else. It didn’t give her much to work with. 

Haitians say that someone can have to “bat dlo pou fè bè.” That means to churn water to make butter. It’s a way to talk of making something out of nothing. And Louimène and Lucner started churning water for all they were worth. 

Lucner kept working hard in in their neighbor’s fields, even as he took primary responsibility for the livestock that Louimène received from the program. Louimène invested the 1,000 gourds she was given into a small commerce. She would buy spaghetti and canned milk, put it on her head in Labasti, and walk the five miles into Mibalè, calling out her wares and making sales all along the way. Normally, she’d sell out by the time she got to town. She’d buy merchandise there for the next day and carry it home. If she was busy — doing laundry or attending a CLM training — Lucner would do the job instead. The business began to grow, and Louimène started investing some of its sales into additional products. On Thursdays, she would find a busy corner of the market to sit in, put her basket of merchandise on the ground in front of her, and sell what she could.

She and Lucner talked to the landowner about the ajoupa they were living in. They needed his permission to improve it. Often even farmers who are open to allowing a poor squatter put up an ajoupa on their land will object if the squatter adds a tin roof. It makes the structure seem more permanent. And Louimène and Lucner wanted to add not just a solid roof, but a cement latrine. They were eventually able to get permission to do so, in part because of their case manager’s help in the negotiations.

***

When Louimène graduated in December 2014, she and her family were eating two hot meals a day. Louimène reported a clear plan for increasing her regular income – she would sell one of her pigs and use the proceeds to add to her business – and she proudly explained that this plan meant Fonkoze would not need to worry about her anymore.

By then, she had sold her original goat and its young. She had acquired a second smaller pig but had sold the first one. She used the proceeds from the sales of the goats and the first of the pigs to buy a cow, which she wanted because she had a plan for that too. “We needed land, and if you buy a small cow you can hold onto to it. While it grows, you wait for someone to sell a piece of land, and when the chance comes along, you can sell the cow and buy the land.”

And that’s exactly the way that things turned out. After graduation, the man who owned the plot they lived on began to resent the family’s presence. “When he saw our cow, he said that he had given us land to put a house on, but not to graze animals.” He started to hire another man to work in his fields and to pressure Louimène and Lucner to leave. Since they had no place they could go, they put up with his humiliations as best they could. 

Eventually, however, they found another landowner with a sudden need for cash. They were able to buy enough of a plot to put their little house on for 12,750 gourds. They sold the cow they had recently bought to get their hands on the money they needed. They disassembled their house and reassembled it on their own land, removing the roofing from the home that they had built and reattaching it. They even spent the extra money and effort necessary to install a simple latrine, having learned of its importance.

One of Lucner’s brothers bought the neighboring plot for a similar amount. But when Lucner made the purchase for himself and Louimèner, he was careful to put Louimène’s name on the receipt, rather than his own. “If anything happens to me, I wouldn’t want Louimène to have problems with my family.”

***

That is when things started to get more difficult for the couple. Lucner got sick. He was unable to work for a couple of months. Medical expenses and life without the income he earned forced the couple to sell off their second pig and, eventually, the small commerce that Louimène had managed to create. By the time Lucner was working again, the couple was back almost to square one. They had their own house, and it was covered with a good tin roof, but they had no assets and no small commerce. 

They found themselves driven to make a difficult decision: Their children would move in with Louimène’s mother, in Bouli. Louimène would seek work as a maid in downtown Mibalè until she could save enough money to return to business. 

She did so for a year, earning 2,000 gourds per month. “You put up with how they treat you, because you know you won’t be doing the work forever.” She sent much of what she earned to Bouli, to help her mother care for the kids, and she spent most of the rest of her earnings keeping herself and Lucner fed. 

Once Lucner’s health returned, he could contribute as well, and they could start to dream of bringing their children home. Louimène wanted to bring them back as soon as she had saved enough to go back into business. Looking back, she says, “When they are with me, I can take better care of them.” 

Things improved for the couple and their children after they moved back to Labasti together. Though they still had no farmland of their own, they were able to rent a plot. Lucner farmed that plot and worked a second plot as a sharecropper, so they did not depend on day wages exclusively. 

Louimène continued to earn money through small commerce. When she first went back into business, she followed the same plan that had worked for her previously. She filled a basket with a couple of products, put it on her head, and hiked five miles into town, selling as she went. But she managed her money carefully, and she soon had too many products to carry around on her head. She decided to start selling out of her home instead.

She sold a range of basic groceries, and she was the family’s principal earner, bringing in enough to feed the family and make weekly contributions to her savings club, or “sòl,” Every week, members of the sòl make a set contribution, and one of them receives the whole pot. Whenever it was Louimène’s turn to receive the pot, she would invest most of it right into her business. Her business would thus grow and shrink cyclically as the date of her receipt of the pot was nearer or farther away. At times, it was nothing more than garlic and bouillon cubes. At other times, she could sell rice, oil, and other staples as well. Its value could vary from as little as 1,500 or 2,000 gourds to as much as 10,000.

But though their income grew only slowly after Louimène graduated, the family’s live changed in important ways. Despite their struggles, they bought a small pig. It was their first investment in new livestock in a couple of years.

And Louimène is quick to talk about another, more important change. She and Lucner married in December 2019. “We got married, and we started going to church.” They couldn’t attend services during the coronavirus crisis, but they prayed with their fellow congregants. Louimène visited neighbors’ homes with other church members every morning. 

Between her business and Lucner’s farm income, they also created a different sort of home. They tore down the walls of their shack, which had been made of thin sticks, woven together and covered with mud. They replaced them with walls of palm wood planks in the back and on the two sides, which they painted a creamy orange. They built a new front wall of stones. It was much more solid and attractive than the house it replaced. They also enclosed what had been a covered entry in the front, so the inside of the house was about a third larger than it had been.

Her business was working well, but Lucner’s farming was not. A persistent drought killed a couple of crops. Eventually, he came to doubt whether it was worth replanting. And, so, the couple had to face another difficult decision. Louimène had a brother who was living across the border, in the Dominican Republic. He works for an avocado producer, loading sacks onto trucks, and he told the couple that he could get Lucner a job working with him. 

There were just two problems. First, Lucner would need to find 6,000 gourds to pay for the trip across the border. Second, he would have to live away from Louimène and the kids.

Lucner knew he would accept the second problem, as unhappy as it made him. He didn’t think he had a choice, because it was the only way he could think of to earn money to help Louimène take care of their kids. He could not bear not contributing. 

The first problem seemed like more of a barrier. He didn’t have the money, and he didn’t know where he’d get it. He felt stuck.

Until Louimène let him know that she had enough money saved up, and that she would give it to him. Lucner went to join his brother-in-law in 2022, and he started to regularly send Louimène as much of his earnings as he could. He visits her and the kids occasionally, and he spent a month with her this past year recovering after an accident, but for the most part the couple must now live apart. 

***

And as Louimène herself continued to work hard, her business continued to grow. She kept adding new products. In addition to what she bought in Mibalè, she started selling things she could find at the Labasti market as well. She could buy basic groceries, like rice, beans, sugar, and oil in Labasti. She can buy a moderately large quantity, like a sack or a five-gallon jug, and break it down into the small quantities that her neighbors want. She began buying cooking charcoal, too, 500 gourds’ worth at a time – now less than half of a large sack – and dividing it into 50-gourd bags.

Her business took a big step forward through a friendship she developed with another member of her church. He sells snacks out of his home. Louimène would sometimes send her kids to him for them to buy a treat. One day, he saw how well her business was doing and he approached her with a proposition: he makes bi-monthly buying trips to Elias Piña, the large bi-national market on the border, across from Beladè. He was willing to buy for her as well. He’d even front her the money. It was an easy way for him to increase his sales because he charges her more than he pays. He is basically a retailer with Louimène as his one wholesale customer. And their arrangement enables Louimène to buy more merchandise less expensively than she otherwise could so that her business can grow.

Before each of his trips to Elias Piña, Louimène pays him what she owes him, and they talk about what merchandise she needs. His advances can be as much as 13,000 t0 14,000 gourds, which is a little more than $100. He’ll look for what she asks him for, but he will sometimes see something new that he thinks she’ll be able to sell. This new system keeps her business from cycling the way it would when she depended on her sòl. And Louimène has since found another person willing to buy for her in the DR. The second buyer brings her logs of Dominican salami.

Growing her business is important. All four of her kids are now school age, and although she sent her older girl to live with her mother back in Bouli — the older woman asked Louimène for that because she would now be alone without her — Louimène is financially responsible for all four kids. Lucner’s income is still limited. He is back in the D.R., loading avocados onto trucks with his brother-in-law, but he is still slowed by the accident that brought him back to Labasti for a time. 

A couple of years ago, Louimène learned about VSLAs. Former CLM members in her area had been recruited into VSLAs established by the CLM team. We cannot reconstruct why Louimène was not a part of one from the start, but she was eventually encouraged to join one by a friend she has among her fellow graduates. When she joined it, the share price was 100 gourds. When her first cycle as a member ended, the group decided to raise the price to 200 gourds. Since members can buy up to five shares per meeting, Louimène can buy up to 1,000 gourds’ worth each week, which is what she tries to do. She takes out loans from this association occasionally as well.

But folks in the area saw how well VSLAs can work for former CLM members, and the associations began to proliferate. The director of a nearby school established one with a share price of 500 gourds. He and his fellow members decided to make the cycle two years long, reather than the usual 52 weeks. Louimène joined that one as well. Taking out loans in this second association is complicated, but Louimène is happy to use her CLM-founded VSLA for credit and to use this other just for saving. The two-year cycle will end in February 2025, and Louimène already has a plan. She wants to buy a motorcycle that she can rent to a taxi-driver and use to do the buying for her business less expensively.

But she has a new project before her that will involve a lot of expense. The couple’s church has offered to help them replace their current home with a more solid one of rocks and cinder blocks. But the church will expect her and Lucner to contribute a lot towards the one room that they will help them build, and Louimène’s vision is beyond the single room. “My kids are getting bigger. I want them to have their own room now.” When the pastor called her, and told her that the church was ready, she went right into action. She gave the church 20,000 gourds she had been saving, and called Lucner in the D.R.

Even before he could return to Labasti, the church delivered sand, rocks, cement, and rebar. It was all hands on deck, as she and the three children who are with her started carry the materials, one small load at a time, from the drop off point — the nearest to her home a motorcycle can reach — to her own spot of land. Even her little girl was carrying rocks, one at a time, or small bowls of sand. 

The other members of her church, motivated by the effort they saw from her and the kids, joined in. “I was so embarrassed. I had nothing to offer them. I sent for a couple of sacks of ice water and cleaned all the crackers out of my business and passed them around.”

By the time Lucner got there, they had cleared a spot in the yard behind their current home to build the new one. They had also traced and laid down a foundation for its two large, square rooms. Louimène sent word to her mother in Bouli that she was feeling exhausted, and the older women hiked down from her home and moved in with Louimène for a week, taking over the housekeeping duties. Work on the home should be finished before the end of November. Then Lucner will return to his job in the D.R.

***

The CLM team tends to point to the training and the coaching that the program includes its most important elements. Plenty of members over the years have agreed, explaining in conversations or in the testimonial speeches they make at graduation that the program taught them to manage what they have and imagine what they could have. Louimène is different. She says that she had a vision when she joined the program, but the animals and the cash that she received as a member gave her what she needed to work with. Hilaire, her former case manager, confirms what she says. And she explains, “Even if you are living in misery, you have to struggle to imagine a plan. If you think something through in your head, it will come about eventually one way or anoth

Enel

Enel Jacob

Fonkoze’s team started looking for new CLM members in Ramye in late 2020. At first, Edeline and her husband Enel were not slated to be part of the program. The couple was living with their two little boys, a toddler and an infant, in Edeline’s parents’ home. At the community meeting that produced the first list of possible program members in the area, they were not even mentioned. Their neighbors counted them as part of her parents’ household. They did not think of them as a separate family. 

When Fonkoze’s work in the area got going, however, the team met Edeline and recognized her need. Fortunately, the Haitian Timoun Foundation, which was financing the CLM program in Ramye, made a late decision to support 150, rather than 100, families. That meant there was support for 50 extra families, and Edeline and Enel could join the program with that additional 50.

***

Ramye is a small, isolated community just northeast of central Laskawobas, between the downtown area and the Artibonite River. The river is dammed downstream in Pelig to generate electricity, and the dam creates a network of small, irregular tentacles of muddy water, which grow and shrink with the season as rain adds to, and irrigation and drought take away from, the river’s flow. Ramye lies among these tentacles, with water on multiple sides. More sides when the water is higher, and fewer when it dries. At times it is an island, at times just a penisula.

The dirt road that leads towards Ramye is manageable during dry season, but it turns muddy when it rains and therefore slick. It becomes a challenging ride on a motorcycle. Steep in places and rocky everywhere, rainwater has cut irregular traces through the rocks. The road passes between little houses and small fields of corn, pigeon peas, and plantains. Merchants selling small items — like snacks, groceries, or laundry soap — sit alongside the path every few hundred yards, their wares displayed in a basket in front of them or on a small table.

Then the road comes to an end. 

During the dry season, it’s just a short walk from the end of the road, across some more fields, to the footpath that winds up through Ramye. In the rainy season, however, these fields flood, and a canoe ferry carries residents and visitors of Ramye across. The driver stands in the back of the canoe with a long pole that he uses to push it across the flood water. Passengers sit on a couple of rough boards nailed across the boat as benches. 

***

When they joined CLM, Edeline and Enel had been really struggling. The main source of their income was a series of construction jobs that Enel would take in Pòtoprens. His brother-in-law is a builder who was happy to take Enel onto his team as a laborer, lugging concrete or blocks to the masons doing the skilled work. Enel would have to leave his wife and their boys for weeks at a time, but he was resigned to it. “Things are hard. If you can get a job, you take it.”

Early in 2020, just before they joined the program, Edeline got sick. Their second son was an infant, and Enel was really concerned. “I did everything I could.” Enel took Edeline to two different Partners in Health hospitals, and she eventually recovered. But the couple spent most of their money getting her the care she needed, even though the care itself was almost free of charge. 

When they joined CLM, her health was much improved, but the improvement did not last. Edeline grew sicker and sicker until she passed away in February 2021. Enel was left as a single father of boys two and three years old. The CLM team decided to continue to work with him in Edeline’s place.

By this point, the family had moved into their own small house, built with the program’s assistance, on the land that Edeline’s mother gave them. Enel took care of the livestock they received. His close attention to their goats kept them flourishing, even as other goats in the neighborhood suffered from a shortage of food during the dry season. Their pig got sick and died, however, and though they were able to sell it quickly to a butcher, all the money that came in from that sale passed through their hands to pay Edeline’s medical expenses. Burying his wife then forced Enel to take on debt.

After her death, Enel continued to struggle. The best way he could think to earn income would have been to go to Pòtoprens and work for his brother-in-law, but he didn’t feel comfortable leaving the boys or, for that matter, his goats. For a short time, he and the boys depended on irregular charity from his friends. 

But then his sister called him. Through her, his brother-in-law was offering him two weeks of work. He didn’t see how he could refuse. He could drop his younger boy off with his mother, who lives down the river from Ramye, near Bagas. The older boy was already in school, so he asked a sister-in-law, who lives next door, to look after him. A local teenager had been sleeping in his home with him and the boys since Edeline died, and that boy would look after the goats.

A life mostly away for his boys was not what Enel wanted, though. He knew they needed him. And he had an idea of a way to start a business that would allow him to live at home. He would buy and sell livestock. He would go to the market in the morning, buy low and sell high. It can be a lucrative business for someone who really knows animals and is a strong negotiator. He could start with chickens, work up to turkeys, and move on to goats when he had enough capital. He is also good with livestock, so he could buy sick, low-value goats, and care for them until they recovered their value, and then sell them.

But just getting started, even with chickens, would take some capital, and after the funeral expenses, Enel just didn’t have it. Going to work for his brother-in-law was a way to make enough to begin, at least in a small way. He was also saving money in the savings and loan association that Edeline joined when she entered the program, but he was afraid to take out a loan. “If something happens to money you borrow, it’s a problem.” And the association wasn’t going to pay out his savings until the end of the cycle. 

His desire to start and build a business fit into a larger plan. He was not comfortable living on land that belongs to his deceased wife’s parents, but his in-laws were unwilling to even talk about selling it to him. They wanted to him to think of it as his. They told him that they owed it to their daughter’s kids. But even before Edeline had passed away, he had told them that he wanted to work towards buying the land. He thought of buying a plot of land to live on as a man’s responsibility. And he was not yet even 30. Though his wife had died only recently, he knew that he wouldn’t want to live his life alone. He didn’t think a woman would be willing to move into a house built on his first wife’s family’s land. He wanted to discuss a purchase, but his in-laws just wouldn’t talk about it.

And there was more. He couldn’t see himself wanting to live in Ramye forever. He doesn’t like how remote it is. He dreams of moving with his boys to a house closer to downtown Laskawobas. With its easy access to multiple large livestock markets, it would really help him build the business he was hoping to establish, and it would also mean better schools for his boys.

So, he decided to take up his brother-in-law’s offer of work, but by the time he got to Pòtoprens, the work had been completed. There was no job left for him. He had made the trip for nothing, and when he got back to Ramye, he found his livestock in a bad state. The young guy he had asked to look after his animals had not taken care of them the way he said he would, and Enel didn’t really blame him. Living under Enel’s roof, the kid expected Enel would do more to keep him fed, but Enel just wasn’t able to. He was much more focused on looking for odd jobs than on helping Enel. 

Fortunately for Enel, because of the CLM program, there was at the time a fair amount of construction going on in the neighborhood. And though he couldn’t get a job as a homebuilder, he could get hired to turn palm trees into the planks that local residents use to wall-in their homes. The job typically paid 1750 gourds for a tree. Enel didn’t get a lot of those jobs, but he got some. “I would save 250 gourds each week in my savings association, and if I had been paid for a tree, I’d take 500 to the meeting instead of just 250 and leave 250 in the VSLA’s box.”
That way, he would be ready even if he wasn’t able to save anything the next week. But as local CLM-funded construction neared completion, those jobs dried up, and so Enel made his next plan.

Settling back into life in Ramye, he began to do well, but not spectacularly well, with his livestock. Fonkoze had given Edeline and him two goats, and he turned them into five. One of the two he received had a pair of kids, and he bought an additional adult female himself. The other of the two he initially received returned to health once Enel took it back under his own control after his return from Pòtoprens. 

Purchasing the extra goat took smarts. Enel had received cement from the program to build up a small protective barrier around the base of his home’s walls, but it was too little to do the job. Rather than waste it with a useless half-measure or let it harden in the sack while he saved up to buy the rest of what he’d need, he sold it and used the proceeds to buy the goat.

The useless trip into Pòtoprens had convinced Enel that he was better off creating an activity near his home. It wasn’t a simple matter, but he started finding more things to do because he wasn’t particular. One moment he was fishing in the waters around Ramye, selling his catch to merchants from downtown. Another moment, he was collecting driftwood to make charcoal.  He would rent himself as a laborer to builders. When he could find nothing else, he would simply sell a day of farm work to neighbors.

He eventually earned enough from these odd jobs to buy a small bull, and when the bull became a lot to handle, he sold it and bought a heifer instead. “The bull wasn’t going to reproduce, and it had begun chasing people.”

He also went back to his plan to buy and sell livestock. He finally assembled the capital that he needed to start his business by cutting down the trees on a small plot of land and turning them into charcoal. He produced five sacks, which he sold for 750 gourds each. It was enough to start buying chickens. 

Enel would hang out on the roads leading to a market, stopping folks on their way. Some people were happy to give him a deal on animals they were bringing to market in order to avoid the need to go all the way to market themselves. It would save them time and effort. His willingness to spend his day buying and selling was his superpower, and he began earning enough to take care of his kids and to contribute to his VSLA each week. He eventually borrowed 5,000 gourds from his VSLA to add to his capital.

He was always careful about his expenses. “If I have five gourds, I know I won’t waste any of it.” And, so, his capital slowly increased. Before long, he had enough to buy goats, rather than just chickens. He also joined a second VSLA. “I could see that VSLAs are good for me. They force me to save. If I tried to keep money in a box, I would always find ways to spend it. The only way to take money out of the VSLA before it’s time is to take a loan.”

One day, just after he crossed the water heading out of Ramye on his way downtown, he saw a sign. A woman just across the water was selling land. The sign listed a phone number, and he called right away. He made a date to see the land and speak with the seller. He asked the secretary of his VSLA to go with him. “I had no experience with land.” They negotiated a sale price of 220,000 gourds. Enel sold his cow — it was pregnant by then — and a large billy goat that had been produced by a nanny that the CLM program had given him. He also borrowed 25,000 gourds from his VSLA and added the capital from his business. In all, it was enough for a 150,000-gourd downpayment.

It put him well on the way to achieving his biggest goal. He had already used his savings at the end of the last cycle of his VSLA to begin to collect home construction materials. He would disassemble the home in Ramye and reconstruct it on the new plot, covering it with new roofing. 

But the purchase created problems, too. It ate up the capital in his business, so it eliminated his primary income, and he still had himself and two boys to take care of, a VSLA loan to repay, and regular contributions to his two VSLAs to make. He went back to doing odd jobs. He will be able to pay back most of the VSLA loan out of his savings when the cycle is complete. But he’ll have to add earnings from his odd jobs to finish repaying.

He continues to contribute to both VSLAs. Once he pays of his debt in the one, he can start thinking about whether to use a loan from the other to restart his business. He still owes 70,000 gourds on the purchase of land, however, and it will take a lot of work to clear that debt.

Wideline after Five Months

We met Wideline in August. At the time, she had been part of the CLM program for about two months. (See here.)

She and her husband were living in a rented house in Hat, a neighborhood just east of downtown Laskawobas, though neither of them is really from the area. And not being from the area means that neither has family land where they would be able to build a new house. They installed a latrine with the program’s help, but they had to do it where they have been renting. Wideline hopes for a more permanent home, but she’ll need to buy a plot of land to build one.

In the meantime, she has been working at developing income. Before she was part of the program, she had been running a small grocery business by buying merchandise on credit. The unrelenting expenses of running her household eventually made things harder and harder to pay the wholesalers whom she owed. She and her partner had lost access to the land they hand been farming, so they were reduced to working in their neighbors’ fields.

When she was ready to receive the transfer that Fonkoze would provide for her to invest in business, she decided to return to small commerce. She bought groceries, but did it with her own money rather than on credit. “When it’s your own money, you buy what you want when you want. You don’t have to worry about paying it back right away.” She works at three different markets: Kwafè to the east, Mache Kana to the west, and downtown Laskawobas. The last of them is open two days a week, so she can sell on four days in all. It keeps her business moving, and she’s now got over 20,000 gourds invested.

When we first spoke to her, she had been excited about the chance to buy livestock, and so she also purchased two female goats with her investment fund. Both goats are now pregnant.

Wideline says that she doesn’t have a clear plan for them, but she knows what she wants. Her highest priority is to buy land, and the best route to buying land is to own a cow or two. So she hopes that the goats can enable her to buy one. She has been saving 500 gourds every week in her savings and loan association, and if she can keep it up, she’ll have at least 26,000 gourds at the end of the 52-week cycle. Between that money and the sale of a goat or two, buy a cow should not be a problem.

Leading a Committee

Gerbelin Brevil has long been a leader in Do Bwa Wouj, a market community near the ridge that separates Laskawobas and Savanèt, two communes in central Haiti. He’s a farmer, but people in the community look to him for leadership generally. “Someone who wants to try something up here probably needs to contact me.”

The CLM team was working in Pouli, a populous area at the base of the hill below Do Bwa Wouj. One of its staff members was a local man, and he made sure that the team was aware of the community up the mountain from the area where they were working at the time. He also gave them Brevil’s name as a contact for when they began to look at the area. “When the CLM team first came up the mountain, folks here didn’t even want to talk to them until they could say that they had spoken with me. I organized the first meetings. I even found them a house to rent so they had a place to stay.

Since Fonkoze first piloted the CLM program in 2007, it has been organizing committees of local leaders to support the work. Members of these committees are, in a way, selected by the program members. When women are first invited to join CLM, the same person asking them to join the program also asks them who there is in the community whom they can turn to when they have a problem. Some will tell you that they have no one, but many will cite a name or two. The team compiles lists of the names that come up most, and it invites them to serve on a committee that will support the program’s work.

Brevil was named by many of the members, and he was happy to serve, especially when he heard what the program would offer. “It seemed like the kind of thing that I would have wanted to do myself if I had had the means.”

CLM seemed different to him from other programs that he’s heard of. “It’s just different. First of all, they took the time to find the people who really need it. Second, they do everything they say they are going to do. Third, they don’t just give people stuff. They accompany them.”

He likes being part of a committee. “It teaches us things, and it becomes a source of motivation.” He is especially pleased with the savings and loan associations that he and his fellow committee members have helped the team establish for program members. “We need to keep the associations going even after the CLM team is gone.”

His committee has already accomplished important things for the program members, beyond helping them establish their associations. The committee kept one member from selling a pig at the local market without having discussed it with the team. He also talks of members who need lumber as support posts for the hut that encloses their latrine or for their new home and about how the committee has helped them get hold of such posts and of palm trees that can be made into planks to use as their homes’ walls.

But now he’s working on a more serious situation. One of the members in his neighborhood doesn’t have land to build a house on. She’s been living on a parcel that belongs to the Roman Catholic Church, and Brevil has taken on the job of negotiating with the sacristan, the chapel’s main authority, for the member to be able to build her new home on church land.

“We are the program’s eyes. Case managers see members once a week, but we are with them all the time. We keep track of what they do. We help them keep from wasting what they’ve been given.”