Joveline St. Fleur lives in Anana, a small community along the road that cuts through Tyera Mouskadi from Tomond to Kas. She lives with her mother, five siblings, and her older sister’s child. Her mother’s oldest died before Joveline was born, and Joveline’s oldest sister now lives with her partner in a separate house.
Her mother’s name is Rosette Bruno, and she has been a member of the CLM program since last year. Rosette will graduate, if she passes next week’s evaluation, at the end of August.
Joveline says that CLM has really helped her mother and the family. “They gave her money and helped her start a small business, so she could begin to send some of the kids to school again.” Rosette chose goats and small commerce, and her three goats are now five, even though the first litter died right after birth. Two of the young females are pregnant now. Rosette started a small business selling basic groceries out of her home, and it took off. She used it to manage household expenses and also to buy weekly shares in her savings and loan association.
The program helps the communities it works in establish associations, and members can buy from one to five shares each week. At the end of a year, members collect all that they’ve saving along with the interest they’ve earned. Increasingly, it is the most important of the various forms of savings that the program encourages.
Members can also take out loans. Rosette used one to buy the materials she needed to complete construction of the family’s new home. She had a hard time repaying it, but her association was able to deduct her balance from the end-of-year pay-out. The remainder of her pay-out enabled her to by a large pig for 4500 gourds.
Unfortunately, someone stole the pig. That’s a big loss for Rosette, but Joveline says she’s looking to her goats to help her get moving again.
Joveline just spent three days at CLM’s summer camp in Kas. She liked it because she learned things that she’s always wanted to know. “We learned to make different stuff, like liquid cleaner and kokiyòl.” The latter is a sweet fried dough, sold in little rounds. Joveline would like to help her mom by starting a kokiyòl business now that she knows how to make them. She thinks she’ll need about 2500 gourds to get started, but she isn’t sure. She also isn’t sure where she’ll get the money, but she’s hoping that her mother will lend her a goat that she can sell for the capital she needs.
Here are a few words about camp from Joveline: https://www.youtube.com/watch?v=4jNYIpmX2tc.