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Aster, Marta and Adanech tell their stories of success

Aster, Marta and Adanech tell their stories of success – 20 Feb 2014

On a recent visit to Ethiopia, a group of church leaders from Scotland visited a Self Help Group in Hawassa. They sat with them and listened to members talk about their lives and what their group means to them.

Aster (pictured right) said that the Self Help Group is very important for us. We started in 2005, saving 50cents (€0.02) a week each. We have all taken loans and we run different businesses. This is my house and I bake bread. Now we are not empty-handed.

Before the group started we were dependent on our husbands – whatever we did was based on his will. But that is changed now. We are using the money we have on our homes and our children etc.

Our first loans were of 50birr (€2.02). Now we give 1,300birr (€52.31) loans. We can send our children to private and public schools and food and clothing are no problem now. Some children have even graduated from college.

I give thanks to God for this vision to the community to make a big difference. You are very welcome! Nobody here is idle!

Marta secretary of one of SHG Ethiopia
Marta (pictured right) is the group secretary. She said, ‘the Self Help Group has brought us much more than just economic benefits. We have developed a strong love and relationships between us.

At first we saved 50cents – what difference was that going to make? And it was difficult for some. But now we are rich and wealthy! Now we save between 3birr and 5birr each a week (€0.12-€0.19). We are working to increase everybody’s access to income.

Our total savings are 9,160birr (€371.04). Small amounts can make a difference! The SHG has brought lots of change. We plan to expand our businesses, increase our savings and strengthen our relationships.

Adanech SHG Ethiopia
Adanech (pictured left) is a widow with 10 in her household. She heard about the SHG when she was in difficult circumstances – her husband had just died. She joined the group but found it too difficult to save so stopped coming.

The group visited her to find out what was wrong and told her she must come. They covered her savings for her. Another time she was sick and they covered her savings again then. She took a 50birr (€2.02) loan and started selling maize in the market.

Adanech says, ‘This group is family for me. Praise to God and thanks for my friends’ support. I can feed my family and I’m expanding my business!’

We are giving thanks to God for all the SHG set up and successful so far and we are encouraging you to join our Coffee Campaign because as little as 2 euro does make a big change!

From begging to saving  - Birtukan’s story

From begging to saving - Birtukan’s story – 13 Feb 2014

Birtukan (pictured right) lives in Southern Ethiopia. She’s from a very poor family, and was working as a beggar to feed her children. So when she heard that Tearfund’s local partner Ethiopian Kale Heywet Church (EKHC) was helping people financially, she wanted to be part of it. ‘I heard the church was giving out money,’ she says, ‘so I ran to be one of the first in the queue!’

However, the church wasn’t handing out money – they were forming Self-Help Groups. ‘They [the staff] said they would teach us to save, and manage what we have.’

Birtukan joined a group and started by saving some of her begging money each week. After a while her group saw her commitment, and offered her a loan from their savings money. She bought onions and charcoal to sell in the market. Slowly, her business grew.

Birtukan now runs a successful market stall, and has taken and paid back several loans from her group. Her husband used to work far away, but is now able to live with his family and help with the business.

Not only is this family now united and financially stable, their dignity has been restored. ‘People have stopped insulting me,’ says Birtukan. ‘They now respect me, and will touch me, like a proper person.’

  • Praise God for Tearfund partner EKHC, empowering people like Birtukan to escape poverty and lead dignified lives.
  • Pray for the EKHC team as they lead this project, that they will feel God’s love and blessing powerfully as they work to bring God’s love and blessing to others.
  • Join our coffee campaign . Texting COFFEE to 50300 to donate 2 euro supports 6 women like Birtukan in one of the Self Help groups for a week.
    (All proceeds go to Tearfund but VAT applies on some networks. Tearfund Ireland will receive between 81% and 100% of your donation)
Self Help Groups - The Adama Success Story

Self Help Groups - The Adama Success Story – 6 Feb 2014

The first five SHGs were established in June 2002 by the Ethiopian Kale Heywet Church (EKHC). Each of those SHGs had 20 voluntary members recruited from the poorest of the poor in the local community. Now there are 310 SHGs in Adama Town alone and 167 groups in the surrounding towns where people have seen what we have done and we have shared our experience.

EKHC gave us training in how to run meetings, budgeting, savings and credit. We learned to minimise unnecessary expenses and maximise our savings. In those days each of us saved 10 cents (0.01 euro) a day to enable us to contribute 50 cents (0.02 euro) each week to the group savings. Now, ten years later, the group members save between 5 birr (0.25 euro) and 200 birr (€9.27) a week each.

After a while we started borrowing from our savings for different purposes. This rescued us from paying high interest rates to illegal money-lenders. In the beginning the most a member could borrow was 34 birr (€1.57). Now the biggest loan that a group has made is 32,000birr (€1,483.95) and group capital ranges from 10,000birr (€464.49), in the newest groups, to 300,000birr (€13,920.76). By saving and borrowing from our own savings we are not only able to improve our economic status but also to support others by creating employment opportunities. The SHGs have also increased our social interaction, our concern for each other, our management and decision-making skills, our understanding of women and children’s rights, and our understanding of our rights to vote and stand for election.

After 6 months of formation around 12 SHGs form Cluster Level Associations (CLAs) by nominating 2 representatives from each SHG. There are now 22 CLAs in Adama Town. One of the functions of CLAs is to create networks and relationships with different government offices and NGOs to lobby them concerning local community needs. In this way we have influenced the provision of potable water, electric power, roads and schools. Four of the CLAs have opened Kindergartens for children from poor families between the ages of 3 ½ and 6 years , charging very reasonable fees. We have also given scholarships to 81 orphaned children from the community. 65 group members have learned to read and write because they have been taught by literate colleagues. We produce and sell bags made from recycled plastics. This, apart from the economic benefit, is useful in terms of protecting the environment. We have also taken part in projects to produce fuel efficient stoves, to plant trees and to clean our neighbourhoods.

The legal registration of this Coalition is the latest development of the SHG programme. We are planning to eventually take over the role of the NGO. Our vision is to see a poverty-free Ethiopia with gender equality and justice. Our mission is to provide support for SHGs and CLAs for the fulfillment of their own visions as well as to contribute to the social and economic development of the wider community in Adama Town. “Hope for Tomorrow” Coalition of SHGs was founded by 13 CLAs. There are a further 9 CLAs that have now met the preconditions for joining the Coalition. The total capital of all SHGs in Adama Town is 5,843,821birr (€271,446.90). The overall capital of all SHG members, including their working capital, is 42,024,314birr (€1,949,567.62). Our next plan is to open a Community Resource Centre and a community bank that can serve all the local community.

Find out more about
Self Help Groups
Coffee Campaign supporting SHG

Photo above: Senait Taye, General Secretary of the “Hope for Tomorrow” Coalition of Self Help Groups (SHGs) in Adama and a founder member of the Adama SHGs


Meseret – 28 Jan 2014

For the first time women like Meseret feel empowered to have their voice heard and to earn vital income so that they can improve their children’s futures.

Meseret (pictured right) says – “I can’t express in words what my group means to me. They are my sisters – we support each other in everything. And we help to look after the rest of the community. By saving and investing in small businesses, I was able to completely transform my life and give my daughters a better future”

Meseret felt hopeless and alone when she was breastfeeding her daughter Kalkidan. Her husband’s labourer salary provided scraps of food and they slept on the floor with no possessions. They had 50 birr to their name.

When she heard about self help group – Addis Alem or “New World”, Meseret went along. What she found was a group of 17 women and a facilitator who had just set up a group bank account and were saving 50 cents a week each.

Meseret wondered what was the point in saving an amount that was so tiny but agreed to join and became the book keeper for the group. The group grew from strength to strength, not only providing business loans to one another but also social support for childcare and healthcare bills.

“The group allowed me to take a 50 Birr loan and I bought and sold charcoal for a good profit. I started making handicrafts and was able to send my child to school”.

A member of Meseret’s group encouraged her to go to church and she decided to go and see what was going on one Sunday with her husband Belay. They happened to arrive when the congregation was flooding out and Belay commented “don’t the faces of these Christian people look beautiful”. Meseret & Belay are now Christians and use all the opportunities that they have to introduce others to the church.

Meseret gained so much confidence that she applied for a job at the Government Office and is now responsible for Women’s and Children’s welfare issues.

Meseret says “if I had the resources, I would write a book about my story because I am so passionate about helping others to see that they can change their futures”.

She helps new groups in her town but says that she will continue to meet with her original group until she dies, they are like family.

Please help Tearfund to set up new groups through the Kale Heywet Church in Ethiopia.

More about Self-Help Groups (SHG)



Aged just 12, Mirah* already knows more about the horrors of war than many of us will in a lifetime.

Growing up in the city of Homs in western Syria, she attended school and played with her two brothers.

However, as the conflict escalated Mirah’s childhood changed beyond recognition. Her brothers were forced to flee the country after being arrested and tortured. Soon after this, her family home was bombed during a night of attacks on the city.

Mirah was separated from her parents and helped across the mountains into Lebanon by some of the other survivors. She was sure she had lost her mother and father forever.

Amazingly, sometime later Mirah was reunited with her parents in a camp in Lebanon’s Bekaa Valley. Tearfund partner Heart for Lebanon is now providing them with monthly food and hygiene packages, along with supportive follow-up visits.

Mirah’s family is very grateful for this support, which is helping them survive the harsh winter. But it isn’t a long-term solution.

With the conflict in Syria still raging, families like Mirah’s are hoping that the upcoming Geneva II peace talks will signal the start of a positive change.

  • Give thanks that the peace talks are still on track for 22 January. Pray that all parties will attend and ask God to help those present to find a workable solution to the conflict.
  • Pray for those in Syria affected by the worsening fighting as parties try to gain ground ahead of the talks.
  • Pray for refugees and displaced people like Mirah as they face the additional hardships of a cold winter.

More church and individual prayer resources for Syria Peace Talks.

*Name has been changed to protect identity.

Photo above: Lebanon camp, photographer: Eleanor Bentall / Tearfund

Providing Lifeline for Syrian Refugees

Providing Lifeline for Syrian Refugees – 7 Jan 2014

Eight months ago, Ziyad (43) was working as a nurse in the Syrian city of Dara’a which is on the frontline of his country’s civil war.

Each day he saw injured civilians and fighters being brought to the hospital where he worked and each day he faced the challenge of treating people when there weren’t enough medical supplies to go round.

As the security position in Dara’a deteriorated and threats started to be made against him, Ziyad took his family and fled across the nearby border to Jordan.

Unlike many, they have a proper roof over their heads as they’re living in a two-room apartment but life in general, and paying the rent in particular, is a constant struggle.

A Tearfund partner is supplying Ziyad and his family with the only aid they have received – mattresses, blankets and food.

Thanks to generous support for Tearfund’s Syria appeal, Ziyad’s family has received three distributions of household items and the aid is proving invaluable when there is no other help on offer.

When asked how he deals with his family’s troubles caused by the conflict, Ziyad simply replied: ‘I have to stay strong for my family.’

But he is praying too, praying that peace will return to Syria and he is hoping that the Geneva peace talks between the two warring sides that are scheduled for January will be successful.

Tearfund is working with partners in Syria, Lebanon and Jordan bringing life-sustaining aid in the form of:

  • food
  • hygiene kits
  • blankets
  • mattresses
  • warm clothing
  • stoves
  • help to pay for accommodation
  • psycho-social support for traumatised children

The UN estimates three-quarters of Syria’s population of 22 million people will require humanitarian aid in 2014.

Syria’s civil war has claimed more than 100,000 lives, displaced 6.5 million people within the country and led to 2.2 million becoming refugees in neighbouring countries such as Lebanon and Turkey, half of them being children.

Please give to our Syria appeal.

Featured Photo: Eleanor Bentall/Tearfund, Zaatari camp, Jordan, home to approximately 124,000 Syrian refugees. Yara (4 months) with her sister and grandmother. Name changed for security reasons.

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