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Helen has been on our staff for a long time. She moved over from being a caregiver at
the little children's home to be a home supervisor at
Shiphrah Paanakan (Exodus 1 Birthing Home) because of her extraordinary leadership and industry.
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All of her skills were on display today when I visited her small restaurant. It doesn't even have a name, but she and her husband, Noel, sell hamburgers, hotdogs, chicken, and soft drinks.
Noel leaves for the market at 4 every morning to buy the meat and other supplies for the day. Their shop is open all day--their busiest hour being from 11 pm to midnight.
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Helen has been sharing with me about their struggles in business. Profit margins are slim, of course--and the rain doesn't help. But they would probably be making it if they hadn't taken a 5/6 loan in desperation to get started. 5/6 means that every month they pay 20% of the principle as interest. For them, it's P2,000 ($45) every month--just in interest. Last month they didn't even make the interest payment, let alone any progress on the principle.
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I visited just to get a better feel for the situation. And Helen's charm is winning. With the utmost of simplicity they've managed to create a dignified and appealing environment.
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When I was there, besides grilling a P10 (c20) hamburger, they were packaging chicken skin chicharon (imagine deep fried chicken skin done up sort of like chips) for sale in local call centers.
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Of course, everyone in the neighbor- hood is related or at least friends. Practically every home has some little store out in the front of it, from a barber shop to a bakery, from an internet cafe to a used clothes store. And graffiti. (This is a censored detail of a more ambitious work.)
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Email me about our loan programs for staff. I have such an urgency to see them succeed. Helen and Noel work so hard for their 7-year-old, Michelle. All they need is a little break. A two-hundred dollar loan would hardly make them millionaires, but it would get the loan sharks off their backs. And a little leg up, with a lot of industry, could make a world of difference.