Friday, June 29, 2007

Enduring Juigalpa, enjoying Leon


(The greater Juigalpa metro area)

We arrived yesterday in the university town of Leon, which is definitely my favorite of the places we have been so far. Not so artificial as Granada, but still with a fair sprinkling of ex-pats and veggie cafes, the town is cheerfully active at night as throngs of college kids hang out near the filthy but still picturesque cathedral. (The number of squeaky, grating pieces of metal I have had to listen to throughout my trip so far - somehow I always end up sitting in the least lubricated part of the bus - makes me want to take a giant can of WD-40 to the entire country; but the Granada cathedral will require a copper scrubby pad the size of a Volvo…)

I got to take a motorcycle ride to Chichigalpa, a pretty little “peri-urban” town, and my credit officer this morning was very nice, introducing me with all manner of details about the project and generally going out of his way to make my life easier. Such a contrast to Juigalpa, our last post. The town itself is a small cowboy town with fantastic views, but the office was overwhelmingly unhelpful and all too clearly NOT psyched to have us there. (How do you say "passive-aggressive" in Spanish?) They left us behind in the office, sent us off alone to change buses for blink-and-you-miss-it towns helpfully named “The Crossroads” and “The Intersection,” and told us that the bus for X city left an hour earlier than it actually did in hopes of scaring us off. Not a chance, cupcake - you’ve only succeeded in making it a question of our honor versus yours. Don’t mess with the tired, pissed-off chelas* with only our North American work ethic to keep us going…

So after three days of introductions that either didn’t exist or consisted of “This is Erica. She’s going to interview you,” today’s thoughtful and reassuring presentations were a delightful relief. The folks I talked to here were really enthusiastic about FINCA. They were also really talkative - every simple question elicited a half-hour of life story - but we’re in the home stretch now and I just kicked back and went with it. It still startles me how unconcerned people are about telling a total stranger all about their finances, food situation, and love life, not to mention casually welcoming everyone who happens to wander by and show interest to listen.

*Chele/a means “white,” deriving from leche, milk. It’s sometimes used for light-skinned Nicaraguans, but also means “foreigner” - what Nicas say rather than “gringo.” Locals who chase after foreign tourists are known as cheleros. Jeanette, who is a medium-tan Chilean, is all kinds of annoyed to be called chela all the time, but frankly, Santiago is every bit as different from Central American reality as is Washington, DC, so I think it’s fair enough.

Tuesday, June 26, 2007

The second stage of culture shock


(Lauren zipping through the treetops on the de rigeur Canopy Tour. No, this photo has nothing whatever to do with the topic of this post. But I had to put it somewhere.)

A few years back, I read Barbara Ehrenreich's "Nickel and Dimed," in which she describes her experiences working various dead-end jobs in a sort of year-long immersion expedition into American poverty. While I didn't find it all that earth-shattering in its observations, one commentary really rang true: that people who've never lived in poverty imagine there is some sort of shadow economy of the poor, where things are somehow cheaper, perhaps at a lower quality. And in fact this is not the case; the people she got to know were paying standard rates at the hotel where they stayed (because they couldn't afford a security deposit or qualify for an apartment). They just had to suck it up and not spend any money on anything else, or cram five people into a room.

I think many people have a similar misperception of developing countries. After passing through the first, naive stage of shock that things work differently in a foreign country than they do in the States, it's all too easy to fall into the opposite trap of assuming that local people have their own solution for every problem the tourist encounters. But it's not true: the paucity of transport means that the vast majority of people, who don't have their own cars, rarely go anywhere. The lack of street signs and reliable directions means that FINCA credit officers waste hours every week wandering around strange neighborhoods asking everyone they meet, "where does Doña Ana live?" and getting six different misinformed opinions until they finally find the place. And what did I see in a client's house this morning but a BIIIIG bottle of anti-amoeba medication, smack dab on the mantel - help yourself, kids!

We spend a lot of time wondering about the fatalism that infuses so much of life here, and what seems to us to be a pervasive fault of problem-solving will, a lack of dot-connection from "there is a problem" to "steps need to be taken to solve the problem." As just one example: Lauren and I stayed a night at a fairly upscale hotel in Pochomil (upscale is relative, but this is the sort of place vacationers go, with transport from the airport and everything.) In the morning, the electricity and water were not working in our room. She went downstairs to the front desk: "Excuse me, but I was going to take a shower and we don't have any water in our room." The laconic fellow behind the desk: "Oh yes, sometimes that happens." Long pause. "Okay, um, well, is there anywhere there is water?" "The first floor has water." Long pause. "Ok, well, could I take a shower in one of the first floor rooms?" "Sure, I guess so." It wasn't a Soviet-style hostility to customer service - they were perfectly happy to accomodate Lauren's request once she pulled the teeth to get there. It's just that in Nicaragua, 1+1 often doesn't equal 2. It just equals 1+1.

"You can take the bus to Rincon del Olvido that leaves at 8:00 and meet the credit officer there."
"And when does the last bus get back?"
"12:00."
"But as we mentioned before, our interviews will take at least four hours."
"Oh, then I guess that won't work."

Followed by the patented Nica LONG PAUSE BLANK STARE - until one of us starts digging away for a possible alternative. Nothing will be volunteered, no brainstorming will take place, because what we think of as premises that lead to conclusions are just random facts in the Nicaraguan mind, none more meaningful than any other.

"So, is there another way to get there?"
"Hm?"
"Is anyone else from the office going there?"
"Well, the driver will be leaving around 7:30."
LONG PAUSE BLANK STARE.
"Um, so can we go with him?"
"Sure, that would work."

One more example: about half of our survey questions have to do with expenditures over the past year. "How much did you spend in the last 12 months on the house?" "How much do you spend per week on food?" "How much do you spend per month on utilities?" The first question always elicits a response of "Oh, a lot," or "yes," and then we explain that we want an estimate, in cordobas, of how much they spent. OK, fine - we've explained this concept which might be strange to them. But then we have to go through the same explanation for every single question.

Where does this resistance to connecting the dots come from? Is the concept of a number, as opposed to "bastante," really so hard?

Some of it is surely the despair of poverty, leading away from an active approach to shaping one's own world. But it's more than that - reasonably well-off people, credit officers and hotel staff, drive us crazy with this pulling-teeth deficiency in logic. I think it stems from having to deal, day in and day out, with an irreparable lack of things and processes that really shouldn't be lacking, a society-wide learned helplessness in which the fix-the-problem impulse has withered for lack of opportunity.

It's true that a naive religiosity suffuses the Nicaraguan countryside. Sure, liberation theology swept over the country in the Sandinista times, but FINCA's more religious clients are not talking about social justice; they're talking about "follow the rules and don't complain, and you'll be rewarded in heaven." Vatican II might as well never have happened here (OK, OK, mass is in Spanish.) But hey, if people believe with good reason that their lives are unlikely to change substantially here on earth, can you blame them for seeking solace in heaven? It's easy to dump on religion, but ultimately, I think the "pie in the sky" mentality is a symptom and not a cause of people's hopelessness.

Another explanation for the logic gap is that chronic parasite infections, plus heat, plus malnutrition, lead to both a constant level of apathetic tiredness and sub-par cognitive development. However, the real cause must be the lack of education. Before this trip, I took a certain level of critical thinking for granted, basically feeling that while one learns *about* things in school, smart people will be smart and stupid people, stupid, regardless of their level of education. I am now seeing that this is not true.

In training, we were warned that we would be shocked and saddened at the poverty of the clients. Honestly, though, while many of FINCA's clients are indeed poor, the vast majority are not destitute. Since I'd traveled in Central America before, the material standard of living was sometimes sad to me (not always: many clients are doing just fine) but not shocking.

What was a shock was the lack of education. This is my first experience dealing primarily with people who have mostly not completed secondary school, and many of whom have not completed primary school. I was reading another traveler's blog in which she asked a front desk clerk about hotel prices. He said "it will be $25 for the double room and $15 for the single." She said "So $40 total," and he looked confused (LONG PAUSE BLANK STARE); her traveling companion speculated that he wasn't able to do the math that quickly. That's the sort of thing that would never have occured to me.

FINCA clients can do math (they're all vendors, after all) but the literal-mindedness, the failure to extrapolate patterns, is so foreign to my experience that it's taken me this long to connect it to nineteenth-century rants about the inherent slowness and stupidity of the poor, none of whom had much schooling.

Education matters. Who woulda thunk it?

Saturday, June 23, 2007

Routine medical care

Thursday night I went to the doctor to get a diagnosis & drugs for the low-level yet persistent intestinal parasite problem that's been dogging me for the past week. The doctor (a public hospital employee who was very clearly seeing me under the table) was taking a quick history:

"Any sore throat? Pain in the stomach? Do you have a fever?"
No, no, and no; at which point he paused and politely asked, "And when was the last time you were de-parasited?"

Thursday, June 21, 2007

Masaya, and photos

I have posted a few (completely random and disorganized) photos on Flickr, at:

http://www.flickr.com/photos/44864786@N00/

I wish I had the bandwidth (in both senses) to do a better presentation, but our connection here is reaaaaaallly slow, so any more uploading/arranging will have to wait. Meanwhile, enjoy the randomness.

Today was our first day of interviewing in Masaya, Nicaragua’s “Cradle of Folklore.” We did not have the best impression of the town yesterday when we arrived, since the electricity and water was out all over the city (apparently, all over the country.) It gets dark here quite early, around 7 pm, and since we did not know the city our general sense was of threatening, lightless streets. With streetlights, everything now seems much safer and more cheerful. The first hotel we tried was not working for us, but we are now in the best hotel in town, which is every inch a Central American “best hotel in town.” That is, the front room and street entrance is luxurious and impressive, radiating colonial privilege with its elaborately tiled lobby, fancy furniture, gold drapes, and chandeliers; the interior patio is lush and befountained, but more Nicaraguan in style, with ceramic floors, hammocks, plants and rocking chairs; and the 3-person room itself, where we guests are actually staying, is basic, cramped, and adequate, with mismatched cartoon character sheets adorning twin bunk beds with foam mattresses. But it’s one of the few places in town with an electric generator, so - overall luxe factor high! The electricity is still out in some of the town (including where we are) although most sectors have regained service for the time being. I am writing to the gentle sounds of splashing water and the not-so-gentle pounding of the generator.

Today, by chance, I ended up going to San Juan del Sur, which is one of the most touristy spots in Nicaragua (famous for surfing) about 2.5 hours from Masaya on pockmarked, intermittently paved roads. Although the FINCA clients were still poor, with overall fewer consumer goods than in Managua and similar per capita expenditures on average, they seemed generally, well, happier. People smiled! In fact, everyone was uncommonly warm and welcoming. Perhaps I’m projecting a bit, but it felt almost like being in another country. This is what I remembered from Nicaragua 2 years ago. Today, I was genuinely happy to be here - and doubly happy when I could take half an hour to stroll along the beach.

One lady I interviewed, who makes “enchiladas” to sell to schoolkids at lunch (these are more like Argentine empanadas than anything you may be thinking of from a Mexican restaurant, and contain about 400% of the USDA recommended daily dose of fat in each tiny, tasty greasebomb) told me that her house, and the entire street, now have plumbing and indoor bathrooms courtesy of an American who is installing a hotel at the very top of the street. He is also paving “his” street - I guess this is what you call corporate social responsibility. A nice contrast to the scads of real estate agencies that infest the town, buying up land from naïve campesinos for $5000 an acre and selling it to foreigners at $50,000 a plot.

Monday, June 18, 2007

In Granada


We have 3 days off and are spending them in the lovely colonial city of Granada, all candy-colored Spanish architecture and cute little ex-pat shops. NicaraDisneyLand, for sure, but so pretty I really can't object. My lungs and heartrate have more or less returned to normal.

Taxes

One of our survey questions is "Over the past twelve months, how much did your household spend on taxes?" The conversation all too often goes like this:

"Over the past twelve months, how much did your household spend on taxes?"

"Taxes? What does that word mean?"*

"You know, money that you give to the government, maybe from a paycheck or for your house every year."

"Ahhhh... (smiling indulgently) no, mi'ja, we don't have any of that around here."

Vicious circle, anyone?

*Yes, we are using the locally correct word - believe me, we checked.

Saturday, June 16, 2007

Reader questions


My dad writes in with questions:

1. Why should repaying members of a group pressure non-payers? As long as an individual member repays her loan isn't she off the hook? (I can understand in the grand scheme of things that lower repayment rates may influence the probability of future loans, but surely this can't rank very high in a single borrower's mind.)

This is actually proving to be more true of FINCA Nicaragua than I expected. However, the "classic" model of microfinance, as pioneered/disseminated by the Grameen Bank, founded in Bangladesh by Mohammed Yunus (who received the Nobel Peace Prize last year), relies on group responsibility rather than individual collateral. The idea is that since extremely poor people have nothing to leave as collateral except their good name, the village banks are run on a joint and several responsibility principle, in which all the members of the bank agree to be responsible for repaying the loans of anyone who defaults. The Grameen Bank has many more solidarity-building activities than FINCA Nicaragua, with a very strong emphasis on teaching poor women that they have the power to make decisions and change their lives. Grameen borrowers pledge, among other things, not to pay or receive dowry for their children's weddings, not to honor traditional caste prohibitions, and to build sanitary latrines.

The idea is that the group will be very careful about which new members it accepts, because everyone is responsible for everyone else.

Here in Nicaragua, FINCA requires collateral, and (very anecdotally) this decreases the rate of repayment. The loan officers are also given financial incentives for each new bank they organize, which could also undermine the selectivity of the process.

The New Yorker has a good (10-page) overview of the current state of play in the microfinance world (especially focused on the tension between the for-profit and non-profit groups):

http://www.newyorker.com/archive/2006/10/30/061030fa_fact1?currentPage=1

2. Who are the "loan officers" and what's in it for them?

About $330 base salary monthly, plus incentives. Many, but not all, have post-secondary education.

3. Who (other than FINCA investigators) pays $60/night for a bad (or even a mediocre) room in Managua?

I haven't the foggiest idea. Deeply misguided tourists, perhaps?