Beneficiary: Rose Nalumkuuma
Age: 48 years
Village: Kalambi ‘A’ Kabula
Marital Status: Married
Occupation: Peasant farmer
Rose has been married for many years and has many children. Despite illnesses and poverty having taken a toll on her family, she is determined to realize a more prosperous future. Her strong leadership skills have earned her a place as Chairperson of her villages Salama SHIELD Foundation’s microcredit group. Since 2009 she has been able to purchase livestock and other goods that have boosted her family’s income and generating a household savings. Their future is looking more secure.
Rose and her family moved in Kalambi “A” Kabula village in 1980 in search of land for farming. She has gave birth to 13 children; three have since died leaving her with 7 boys and 3 girls. Just 5 years later her husband fell seriously ill with intestinal trouble. He has survived through 8 surgeries and also suffers from a foot disease. The medical bills have left the family destitute. Rose has also accepted the care of 4 orphans whom she tries to send to school and provide necessities for.
Microcredit Group Background
The Kalambi Group was formed in 2009 when SSF introduced the microcredit program in the village. Five women were chosen to benefit from the program – those chosen were vulnerable, had the means to use the money well and generate enough income to repay the loan.
Rose is familiar with hardships in life. Before joining Salama SHIELD Foundation’s programs, she tried to rear goats in response to her family’s many needs, but had them all stolen. She joined another development group in 1998, which helped her improve her income, and she was able to purchase a cow.
Through her experiences and still struggling, Salama SHIELD Foundation identified her to join a microcredit group in 2009. The group of women appointed her Chairperson.
Since joining the group, Rose has been able to further purchase piglets which have grown and multiplied. Her cow has since produced a calf and she owns several chickens. Further monies were used to purchase an engine for her son’s boats to support his fishing business. He has been able to move to a bigger lake with this improvement and earns enough to send money home each month to assist his mother and ailing father.
Her children now all attend school, have school supplies, lunch money and uniforms. She is now able to provide for all their medical needs. The family has food on the table each day. Although her husband is no longer able to work himself to support the family, he is thankful Rose is generating a good income to fulfill the household needs.
Rose is thankful to Salama SHIELD Foundation and puts it this way…
“I learnt that the interest rate was low and that’s what motivated me to join the microcredit program. Unlike other financial institutions that offer loans, SSF loan terms are more accommodative. With SSF, group members meet once a month and after repayment of the loan the group is free to schedule meetings to discuss group concerns.
I felt the first thing I had to do was repay the debt acquired when I bought a plot of land and had not paid all the money back. I thought my husband would stop me from getting the money, but instead he liked the idea and the group approach where no security was required.
The loan message we got was how we would use the loan capital, the interest rate, and use group members to act as security. We learned a saving culture, all which were so different from that of other banks.
The women are co-operative and they understand each woman’s strength and weakness. Others now want to join the group because they see the benefits women already have after getting loans from SSF.”
Rose, as the leader of the women’s group, focuses on uniting together to find solutions to the problem and challenges one another faces.
She is proud and thankful for the opportunity she had to join the microcredit group. Rose says she has learned a lot about teamwork, and how to save on a monthly basis. She has improved the sanitation in her household having constructed a drying rack, bathroom, and toilet. Household sanitation awareness is provided by Salama SHIELD staff in all programmes.
The other women are thankful they have acquired problem-solving skills and improved communication skills. Each woman has been able to pay on time because they remind each other before the scheduled date for repayment. This has created a sense of ownership for the program where the women have been able to participate in selecting the members to join the group, selecting their leaders, and being part of assessing how much each member would receive as a loan based on the capacity.
Rose distrusts other banks and lending institutions because of complicated procedures and high interest rates, something that she did not find with SSF.