by David Smith-Ferri
Editor’s Note: American peace activists Kathy Kelly, Jerica Arents and David Smith-Ferri are part of a 3 person delegation currently travelling in Afghanistan. Find more entries from their travelogues on PULSE.
In a small storage shed at the edge of town, we watched as fourteen-year-old Sayed Qarim signed a simple contract agreeing to borrow and repay a no-interest, 25,000 afghani loan (roughly $555). Daniel from the Zenda Company, the loan originator, counted out the crisp bills and handed them to Qarim, who smiled broadly and shook hands. Qarim, whose family farms potatoes and wheat, plans to use the funds to purchase a cow and her calf. “There are great benefits of owning a cow,” Qarim explains. “Our family gets to use the milk, and we can sell the calf for a good profit.”
No one walking by outside on the narrow dirt road would have known an important business transaction had just occurred, one that could in fact help a young man and his family gain economic traction and greater security. The transaction didn’t take place in a bank. No village leaders were present. Only a fourteen-year-old boy, the representative of a private business company, and a witness. And while the signed agreement constitutes a business relationship, the Zenda Company sees it as primarily personal.
Qarim was recommended for a loan by Faiz and Mohammad Jan, two other young men who live in his village and who have themselves recently received and repaid loans. Following this recommendation, Zenda spent much time getting to know Qarim, meeting with him, assessing his knowledge, his resources (such as access to grazing land), and his character, answering his questions, and describing to him his responsibilities as a borrower.
Now that the transaction is complete, Qarim is required to send a picture of the cow and her calf as “proof” that the money was used as agreed. In addition, Hakim, another Zenda Company representative living in Bamiyan, who is fluent in Dari, the local language, will visit Qarim periodically. Along with Faiz and Mohammad Jan, he will try to provide whatever support Qarim needs to succeed.
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