Dristy Shrestha

Country: Tanzania
Organization: BRAC Tanzania

DRISTY: "BRAC is the world’s largest non-governmental development organization measured by the number of employees and the number of people it has helped. It is dedicated to empowering people and communities living in poverty, illiteracy, disease and social injustice through its various programs in areas ranging from microfinance, agriculture and food security, education and more. It currently operates in 11 countries across the globe.

BRAC started its work in Tanzania in 2006 with microfinance and livelihood development programs. In just less than a decade with multiple programs in various sectors ranging from agriculture and food security, education, empowerment and livelihood for adolescents, microfinance and small enterprise program, BRAC has become one of the largest financial institutions in the country.

In June-August 2016, under the supervision of the Program Manager of Microfinance Program, I had the opportunity to work as the Summer Research Intern at BRAC Tanzania. In this role, the main task I was entrusted with was to i) assess the services offered by BRAC Tanzania tailored towards smallholder farmers in the country, and ii) make recommendations to the Country Office based in Dar es Salaam on how to better address the needs and challenges of smallholder farmers in Tanzania."

"Personally, I had an incredibly rewarding summer filled with new challenges, new experiences, and learnings. BRAC is an organization that development practitioners such as myself study a lot about, both inside and outside class. Therefore, the opportunity to experience its activities and inner workings first hand and be a part of its team was a special treat for me. In addition, it was refreshing to explore Tanzania and go beyond my comfort zone into a country, region and continent that I had never been to."

Paroma Husain

Country: Uganda
Organization: BRAC Uganda

PAROMA: "During the last summer I spent almost three months working with the Microfinance programme of BRAC in Uganda. BRAC is an NGO that started as a small post-war rehabilitation operation in the newly born Bangladesh in 1972, and grew to be one of the largest NGOs in the world. BRAC now operates in 12 different countries across Asia and Africa; taking its years of experience from Bangladesh in implementing successful models in various development programs such as health, education, microfinance, and community empowerment into other developing countries.

Uganda is BRAC’s largest and fastest growing operation in Africa. In the last decade, Uganda has grown consistently, at an average rate of 6.4 per cent. It has made significant progress towards meeting the Millennium Development Goals and is now focusing on achieving the Sustainable Development Goals. But approximately 20 per cent of Ugandans still live below the poverty line and they are mostly concentrated in rural areas. While there are a number of financial institutions providing financial services to marginalised groups, they have limited operations in rural areas. With 147 branches all over Uganda and more than 180,000 borrowers served, BRAC Uganda’s microfinance program is one of the biggest in the country and it reaches out to the poorest in both urban and rural areas.1 Besides microfinance, BRAC currently operates programs in small enterprise, agriculture, poultry and livestock, health, education, youth empowerment, adolescent livelihood, and the Karamoja Initiative in Uganda. To date the programs have served 4.4 million people, which is almost 12% of Uganda’s population.2 Before Fletcher, I have been working in BRAC’s microfinance program in Bangladesh. This summer I had the wonderful opportunity to work with and learn from my colleagues in Uganda."

"My three years of experience with BRAC Bangladesh had made me curious to find out how well BRAC can apply its learnings and program models from Bangladesh in a starkly different country context. Working with BRAC Uganda gave me an opportunity to assess the success and failure of BRAC’s international scaling efforts. My overall conclusion is that while there are some things BRAC is doing quite well in its country offices, it can do a much better job in many other aspects. For instance, there is a clear cultural divide between Bangladeshi expats, who generally occupy higher management posts, and the local staff. While the highly standardised operational models were so crucial in BRAC’s amazing success story of scaling in Bangladesh, strict compliance of these standards can overlook the contextual operational needs in a different country. There is also a resource constrain in the mostly donor-depended programs of BRAC International that BRAC Bangladesh does not have to face. As a result,

many effective client oriented programs and monitoring tools that have proven to be effective in Bangladesh cannot be implemented in other BRAC countries. Based on several of these observations, I can make the following recommendations: (The suggestions made in this section are mostly based on interviews with clients and staff members and observations from field visits – which are often anecdotal and not grounded in rigorous studies.)"

Michelle

Country: Uganda

Michelle worked with two Kiva microfinance partners, BRAC Uganda and Pearl Microfinance Limited. Her goal as a Fellow was to ensure that each institution accurately represented Kiva and was utilizing Kiva funds efficiently. She saw how Kiva’s mission came together in the field and had significant involvement with top management at both MFIs.

The Fellowship reiterated my previously held belief that microfinance alone cannot solve problems in development, and that access to health systems, education, and good governance among other things, is needed for change to be sustainable.

Cheney

Country: Sri Lanka

Cheney served as the bridge between Kiva, BRAC, micro-entrepreneurs and lenders to streamline the loan posting process, monitor and evaluate repayment schedules to improve the new and emerging micro-finance industry in Sri Lanka.