HAITI / MICRO-CREDIT

20-Jul-2007
La Vallee is a small community in southeastern Haiti that has known the ravages of deadly cyclones. Despite these disasters, it is still home to the country's oldest Credit and Thrift society, offering a lifeline of small credit to women like Mireille Joseph. MINUSTAH

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Description
STORY: HAITI / MICROCREDIT
TRT: 3.39
SOURCE: UNTV
RESTRICTIONS: NONE
LANGUAGE: ENGLISH / NATS

DATELINE: RECENT, LA VALLE, HAITI

SHOTLIST:

1. Aerial shot, La Vallee
2. Wide shot, man with donkey along street
3. Wide shot, truck in front of "Caisse Populaire'
4. Wide shot, Mireille leaves home with kid
5. Wide Shot, Mireille on the road with kid
6. Tilt up, Mireille's Shop/Sitting Room
7. Wide shot, Pierre cutting maize on farm
8. Wide shot, Pierre cutting maize on farm
9. Wide shot, Mireille arrives at "Caisse Populaire"
10. Med shot, Pierre returns home from farm
11. Close Up, pig eating
12. Wide shot, Mireille enters Office "Caisse Populaire'
13. Med shot, woman at Counter "Caisse Populaire'
14. Wide shot, three old men on the street
15. Close Up, two Old men talk.
16. Med shot, another Woman at Counter "Caisse Populaire'
17. Set up shot, Leon Franck walks home
18. SOUNDBITE (Creole) Leon Franck, foundation member of the Credit Society:
"We agreed on a set of rules because we want this money to yield interest. So we started by suggesting regulations to govern the association's operations because at that time , we simply called it an association as we were unaware of the word "Credit Society"
19. Wide shot, client (backing camera) in front of counter)
20. Med Shot, face of woman behind the counter
21. Wide shot, hand counting money
22. Wide shot, Mireille (backing camera) negotiating with Director
23. Med shot, Hand filling a form
24. Med shot, "Catechisme des Caisses Populaire" hand book
25. SOUNDBITE (Creole) Leon Franck, foundation member of the Credit Society:
"You see it this blueprint guided our policy on admitting new members."
26. Med shot, woman (Orange T-shirt0 attends to client behind counter
27. Wide shot, Mireille walks out of "Caisse Populaire"
28. SOUNDBITE (Creole) Pierre Ricot, Director: Caisse Populaire
"When you go to the bank, it's the shareholders who decide, clients have no say but here the decision belongs to the members. Besides, not everybody has access to credit in the banks but here, once you meet the requirements, you get access to credit."
29. Set up shot, Arthur Laroche with a walking stick
30. Wide shot, Arthur Laroche walks to a chair (Picture on Sound)
31. SOUNDBITE (Creole) Arthur Laroche, foundation member of the Credit Society:
"A borrower who fails to uphold his word of honor but demonstrates his good faith. I'll be happy with that."
31. Wide shot, Mireille attends to customer (backing camera)
32. Close Up, hand pouring liquid
33. Wide shot, man descending on a path
34. Wide shot, man enters Mireille's shop
35. Pan left, shop counter/products
36. SOUNDBITE (Creole) Mireille Joseph, Micro Credit receiver:"
"The association is helpful because when I started, my business was small but now it has grown and I hope it keeps on growing."
37. Pan right, shop counter/products
38. Med shot, Mireille smiling serving client.

STORYLINE:

Tucked away among the hills and not easily accessible…La Vallee is only twenty kilometres away from the city of Jacmel.

Getting public transport to La Vallee is difficult: a fact which explains why it is so isolated….

Like other communities in South Eastern Haiti, La Vallee has not been spared by the Flora and Ines cyclones which repeatedly ravaged it in 1963 and 1964.

Yet, this community is home to the oldest Credit and Thrift Society in Haiti

Today, Mireille Joseph has an important appointment. She will negotiate a loan, the second in a year with the Credit Society.

A member of the Credit Society since August 2006,Mireille runs a small shop from the sitting room of her home.

Her husband, Pierre is a farmer. With a low income, Mireille counts on her small scale trade to bring in additional income to support her family.

Pierre is also engaged in small time animal husbandry to make ends meet.

 

Conscious of the growing family needs, Mireille couldn't but look up to the Credit Society for the expansion of her home based business.

In the years 1943 and 1944, the residents of La Vallee noted with dismay that many of them have been victims of Shylock money lenders.

To remedy the situation, a self-help association was formed whereby individuals are encouraged to contribute whatever they have into a common purse.

Leon Franck: a foundation member of the Credit Society takes us down the memory lane….

SOUNDBITE (English) Leon Franck, foundation member of the Credit Society:
"We agreed on a set of rules because we want this money to yield interest ...So we started by suggesting regulations to govern the association's operations because at that time , we simply called it an association as we were unaware of the word "Credit Society"

SOUNDBITE (English) Leon Franck, foundation member of the Credit Society:
"You see it this blueprint guided our policy on admitting new members."

The association, "Petite Epargne" already had an administrative structure but the "Desjardins Handout" a blueprint on how to set up a Credit Societies supplied by Edouard Tardieu: a Haitian returning from Canada helped the association to finalize its own internal regulations.

The personalized service rendered by the Credit Society to its 2600 members remains perhaps its greatest strength.

SOUNDBITE (English) Pierre Ricot, Director: Caisse Populaire
"When you go to the bank, it's the shareholders who decide, clients have no say but here the decision belongs to the members. Besides, not everybody has access to credit in the banks but here, once you meet the requirements, you get access to credit…"

For Arthur Laroche, also a foundation member, the Credit Society's sound health depends on rigorous respect of regulations by its members.

SOUNDBITE (English) Arthur Laroche, foundation member of the Credit Society:
"A borrower who fails to uphold his word of honor but demonstrates his good faith. I'll be happy with that."

Mireille is currently awaiting the approval of her second loan application, having fully offset the initial loan which enabled her to set up her small business.

She regularly attends meetings organised by the Director of the Credit Society: the advice she receives there enables her to better manage her business.

The Director of the Credit Society also visits her at home in order to assess how her business is progressing.

For Mireille and other members of the Credit Society, accomplishing their project objectives wouldn't have been possible without the helping hand of the Credit Society

SOUNDBITE (English) Mireille Joseph, Micro Credit receiver:"
"The association is helpful because when I started, my business was small but now it has grown and I hope it keeps on growing."

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UNIFEED
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MINUSTAH
Asset ID
U070720c