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Savings

Everything Fell into Place: Generations of Saving and Community Participation in Ruo Emoh

By CORC, FEDUP, ISN, News, Savings No Comments

The following narrative is part of a broader and in-depth documentation of the Ruo Emoh project. This documentation includes a video and booklet and is the result of collaborative efforts between the SA SDI Alliance, People’s Environmental Planning, UCT & University of Basel Master students (part of the City Research Studios hosted by African Centre for Cities), and the community of Ruo Emoh. A more detailed description of the Ruo Emoh project can be found here.

Interviewee: Ismaaeel & Mymoena Jacobs
Interviewers and Text: Kaylin Harrison, Lea Nienhoff, Israel Ogundare

The Jacobs (Kaylin, Lea, Israel)

Recently married Mymoena and Ismaaeel Jacobs are expecting their first child -a baby girl- together this year. Having a home in Ruo Emoh came at the most significant time for the Jacobs Family. For Mymoena, it is simply a case of “everything fell in place”. For Ismaaeel, as the first son to get married, he felt he needed this space.  A place of his own and it happened despite all the uncertainty and ups-and-downs of the Ruo Emoh project. The place became available to the growing Jacobs family tree.

“Never mind how small the place is, we got our own space, it’s a home, we can make a home out of this, so, that for me is more important than living in a mansion, or like not appreciating what we have here.” – Ismaaeel

The Jacobs know the burden and expense of renting on someone else’s property since they previously rented in Rylands. They also know what it means to share a house with many family members. In Ruo Emoh, they have a space of their own and Mymoena says, “It’s a nice stepping stone for any new couple.” 
Mymoena was born in Johannesburg and lived there for most of her life. Ismaaeel is from Cape Town and grew up in Lentegeur, where his family still resides. The place is what the Jacobs have constructed and made home for themselves. With Ismaaeel’s expertise lying 
in renovation, tiling and general construction, he took the structure and renovated it into a beautiful home. The beneficiary
 of the house in Ruo Emoh is Ismaaeel’s mother, Jasmine Jacobs. This home plays a significant role in not only the Jacobs currently residing there, but also for any other Jacobs family members. The house may be a home to future generations to come. This is the story of the struggle and the steps taken to finally get the house, in the words of Ismaaeel Jacobs.

It Was Almost Like a Movie

“It is 20 years ago, when the project started, and my mother was there right from the beginning. She was on the board for housing. I was a little boy, when all of this started. Every rand they had put together made a difference at the time. They were raising money with little food fairs. My mother was preparing cakes and boerewors rolls to sell. Later, I became the running guy for her; whenever they were meeting and other things, I would go. Sometimes, I was working, but then you hear at 3 o’clock is a meeting and you have to be there, we had no choice, we just had to move. When I came 
back home from the meetings I told my mother what was happening, what the next steps are, and I also picked up who is trying to run the show. We had so many challenges and everyone of us had their ticks. But nothing major. I remember when I went to the first meeting for my mother. Some of the other members were from around the area and I had known them by face, but not on a personal level. But after going to the meetings more and more, I was befriending people. Obviously, we were going to live together soon. At the time we were hoping to be neighbours soon, but eventually it just went on for a little while. In the recent years there were no fundraisers or these things any more, but when we met we were discussing how things progressed and how we could secure our property, since it was already our land. The challenge was to handle with the delays. Sometimes we needed to put in large sums of money and the committee would promise certain things on certain days, but it just wouldn’t be possible. The issues would linger for a few days, but the committee would sort them out in the end. I respect them a lot for that.”

We Stood Security Ourselves

“We had to put up a fence around the land. But it didn’t take long until parts of the fence were stolen. We had to take it off again. I played a part in that as well. We came in on a Saturday and we just took it off. At some point it was just the two of us, myself and Archie. Then the infrastructure came in and we knew we have to start to stand security ourselves. We came after work, on the weekends, 
to stand security at our grounds – day and night. I think this was when people got a more positive mind-set towards the project again. In the beginning this was an issue, but over time we had the feeling of ‘this is our ground’, we claimed it. If we want to stand security we will stand security because we own this now. Once people heard, once they got the go-ahead that things are happening now, things are going to happen, people had enough of the empty promises. Once things started… I can tell you people were really positive towards everything.”

The hope and aspiration that comes with owning a house, especially after
 a long period of waiting is unmatched. This house has a great significance for Ismaaeel’s whole family. Ismaaeel expresses how he and his brother looked forward to having the house. To both of them it was an aspiration and now it has become a reality, and at the same time a financial security.

Looking towards the future, Ismaaeel hopes to build up the security for the community and can imagine a complex typology. Mymoena has a plan in mind that when the baby arrives and things have settled, she will try to petition for better measures to reduce speed on the roads, for example getting a speed boundary.

When asked about lessons learned in the process the Jacobs responded, “I think to stand more together as a community. Don’t, because you are disappointed by one person, not help the community. That whatever challenges you get, let’s face it together. Don’t leave it to one.”

The importance of saving: the pillow maker in Samora, Cape Town

By FEDUP, Savings No Comments

Compiled by Carmen Cancellari (on behalf of CORC)

Through the Federation Income Generation Programme, FEDUP savers have an opportunity to establish small businesses to generate income through accessing and repaying loans. 

The financial aspect is crucial, but how can the Federation contribute to building solidarity and sharing among FEDUP business women? The experience of Patience, a resident in the informal settlement of Samora in Philippi, Cape Town, gives us some insights about the impact of FEDUP in the life of women.

My name is Patience and I live here in Samora, Philippi.  For a living I have my own business, I make pillows. Now it’s been 7 years that I have been doing this. The first time I heard about the Federation it was in 2013, and that is also when I got my first loan.

What changed after receiving the FIGP (Federation Income Generation Program) loans was mainly in relation to the stock for my business. In fact, I was able to increase stock for my business and this also resulted in the increase of my profit. This helped me at home because I was responsible for my child’s education fees, who was studying at University of Western Cape, and since I could pay for her studies, she was able to continue and she graduated last year. So this is what was important, because my intentions and priorities have always been helping her to finish school.

Even at home I was able to fix some of the things. For example I managed to extend our house, I added two rooms and I saved some of the money… if it wasn’t for the loan I can say it was almost impossible to do all of this because I did not make enough profit from my business.

My business grew already a lot but I don’t want to stop here. At the moment, I am busy saving so that I can be able to buy a container. In fact now I cannot employ someone to help me because there is no space for both of us to work. Instead, I want someone who is going to help me because making pillows is very difficult and my business really needs me to hire someone. As a result of the stock which has increased in fact, my job has also increased and this is why I need someone to help me.

With my savings I think I will be able to buy the container next year January. And I do not want to rush it and end up having debts that I will not be able to pay back…I just want to save and know that I will be able to buy it.

Savings in fact is the heart of the Federation. My business improved a lot because through the Federation I learnt a lot about saving. Nolwando, one of the Federation coordinator, always teaches us about saving on top of the loans, and this way I have learnt how to save. There were times where I did not save at all and I was using my money on useless things.

I remember when I was working in Tsusa, there was a lady working with us who used to buy meat on a regular basis. She would make three orders a week! So one day I told her, as a person who was taught how to save, that she could save the R60 that she was spending on buying meat by, for example, eating cabbage and meals that she had prepared at home!

So the federation has helped me because now I am able to save and I can also help other people. And even today that lady has not forgotten me because I really helped her.

Patience (left) with FEDUP loans facilitator, Nolwando (centre)

 

What difference does saving make to the urban and rural poor?

By FEDUP, Savings No Comments

How can saving impact poor communities and influence inclusive development practice? On a recent visit to Manchester’s Global Development Institute FEDUP’s Patrick Matsemela responds to these questions by telling his story: 

 “When I say I was a robber, it was because I had nothing to do. When the Federation (FEDUP) started, I collected scrap metal from aluminium trollies. One day I found a group of mamas sitting together and someone told me that those mamas save R1.50 on a daily basis and deposit savings into a joint account. I did not have R50 so I knew I couldn’t open my own bank account. But I thought, “If I put money in with these mamas, they will use the money.” I thought that these people were scamming.
 
Patrick Matsemela (front centre) with SA SDI Alliance and Manchester colleagues

Patrick Matsemela (front centre) with SA SDI Alliance and Manchester colleagues

 
 At the time I was a heavy smoker. One cigarette cost R1. I had to save to smoke. Or steal to fuel my addiction. I asked people, “What happens with these savings? Do I get it back or is it just a show?”
 
They explained that you can request to withdraw the amount you saved by going to the savings collectors and treasurers of your savings group. This was better than the bank! Through joining a savings group I learnt to put money together and come together with other people. The moment you share your problem with friends you create a society. For example, if I did not eat, I could sit together with other savers and put money and food together. Over time I became rehabilitated from being a heavy smoker and drinker.
 
The leaders of these savings groups are women, about 95%. Men cannot save, that’s true. But women savers are very strict. They don’t play; they are professionals. For example, you can only withdraw what you saved. We are illiterate but still people were talking about bank charges.
 
My trust in the savings group increased because of my savings book and the record book of the savings collector. Every time I gave my savings to the collector, both of us needed to sign my savings book and the collector’s record book to prove that the money was collected. As a savings group we chose people living inside our community to be the collector, treasurer and secretary of our group. Saving is not only about collecting money but also asking people about their feelings. For example, the collector asks you how you are, why you didn’t attend the savings meeting last night.
 
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Report back on savings at a FEDUP network meeting in North West province

 
But there is no way to get everything correct. Mismanagement is a challenge. In some groups, the collector takes R10 saying, ‘Let me just use it now, tomorrow I will pay it back’. But then when the audit comes and other savings group treasurers come to your group to do the books and audit they ask why this was not recorded. The treasurer then feels the heat. Stealing is a bad word. Do not say steal, otherwise you won’t build a person. Rather whisper to the person and ask, “How will you repay?” First approach the individual who misused the savings, then the group. Sometimes we can call the police or influence some people in the community to take the person’s TV. Or we come as a group and hire a buggy and take the fridge and TV. We are not going to sell it but the person knows they can find us in the savings meeting.”
 
Since the early 1990s, FEDUP has used saving as a key tool to build a strong urban and rural poor social movement. Currently FEDUP counts about 43 900 members in eight provinces in South Africa. Through collective saving and critical mass, FEDUP played a key role in advocating for the People’s Housing Process (PHP). The PHP is a milestone policy on inclusive (community-led) human settlements development. Patrick Matsemela joined the Federation in 1998. He is currently the national coordinator for FEDUP saving networks in the North West province. He serves on the board of Slum Dwellers International (SDI), representing urban poor federations affiliated to SDI.
 

A FEDUP network presents the Maboloka PHP (housing) project

Why we save: A photo story by FEDUP Mpumalanga

By FEDUP, Savings One Comment

By Ntombikayise Promise and Emgard Msibi (on behalf of FEDUP)

This photo story (text and images) was compiled by members of a FEDUP savings scheme in Mpumalanga with the purpose of introducing how urban poor women organise themselves through savings activities. 

It all starts with our ambitious citizens uniting to form one strategic society.

FEDUP members gather for a savings meeting in Kwa-Ndebele.

FEDUP members gather for a savings meeting in Kwa-Ndebele, Mpumalanga

When we stand together, we shall conquer. We create sustainable development through people-led development. Knowledge is power! We are one!

More impressions of KwaNdebele savings meeting

More impressions of KwaNdebele savings meeting

Securing our beautiful land for the poor. Umhlaba Wethu, Izwe Lethu. Our Land, Our Country. These women together with Walter Monyela [from CORC] gathered to ask the Chief of Kwa-Ndebele permission to buy the land of KwaMhlanga-Mountain View where they aim to build one hundred houses for the poor.

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As long as we are in motion, we will get there. Our vision is SMARTSustainable, Measurable, Achievable, Realistic, and Time bound.

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Mama Madonsela speaks about being a FEDUP members in Leandra, Mpumalanga:

“It is a good experience to work with the Federation of the Urban and Rural Poor (FEDUP) because it has brought us dignity and happiness. We were able to get together as a unique group to gather information and then explore our talents. Hence we showcase our skills through the great work of art”

The vision of these FEDUP members is to develop their own initiatives by using their skills and drawing on the support of FEDUP. Not only do these members have skills for art but they also have their own garden where they plant mushrooms and strawberries. They are still in search of a market to sell these.

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Saving for the near future 

Initially the community of FEDUP did not see the value of saving, up until it was introduced to FEDUP. FEDUP in Bethal continued to grow from a small number of collectives. These women gather every Sunday afternoon to save money. Saving money makes them happy and wise enough to make good financial decisions with their lives.

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The coordinators in our savings groups play different roles. In the picture below our loan facilitator is Sbongile, our treasurer is Neliswe, Thembi organises transportation, Mainah is our secretary and Nomvula Nkosi is our programme director.

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Our savings groups in Bethal, Mpumalanga:

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