Monday, May 25, 2009

Obruni, part 1

Accra is awesome despite itself. It wasn't designed to be particularly pedestrian friendly but it can be walked, it isn't particularly well organised, and the roads and sidewalks are beginning to crumble. Heat boils up from the concrete baking under the sun in the middle of the day.

What make Accra a surprisingly comfortable, liveable city are the people. Ghanaians seem friendly by definition, sometimes hospitable to a fault. The first night I arrived, two Ghanaian boys insisted on helping me find my way to the sketchiest hostel in Ghana. The first thing I did the next day was to check out and walk into the city.

Since then, I've assimilated well, eating at food stands, talking to the nice ladies who run them, and grinning at their children as they play. One little girl actually asked me to buy her chocolate and started to cry when her mother tried to take her away. I've given my number to too many people -- it's one of the first things kids ask for. Next is usually "where do you live?"

Communication culture here is to "flash" the other party on mobile: to call them but cancel before they pick up, as a way to say hi or to ask to be called back. So, rather than give out fake numbers, I've saved a bunch of numbers in my phone as "Don't pick up 1", "Don't pick up 2", "Ok kid 1", and so on.

Accra isn't a particularly tourist friendly place, and doesn't have a lot of things to do. It bustles and moves, and is itself a spectacle.


Alas, I'm leaving the city. My next destination is a village called Osino where I'll be working with an organisation called Innovations for Poverty Action, which is the face of Jameel Poverty Action Lab away from MIT. It's pretty exciting stuff. Already I'm learning little facts that I hadn't thought about before. For example, there's a lot more to microfinance than I understand. There are so many lending methods, subtly different to suit people from different economic and geographical situations -- and I'm only just getting to know them as simplified models.

Another lesser known fact is that farmers have traditionally got the short end of things with banks. Because their income is often unreliable and very heavily dependent, in size and timing, on the harvest, they make poor customers even for the microfinance institutions aimed at alleviating poverty. Most farmers can't pay back a fixed sum regularly through the whole year, but do need sizeable sums of money every now and then just like everyone else, whether it's to pay for a hospital visit or the childrens' school fees.

One idea IPA is exploring is products to help farmers take loans they can repay, often involving some bet against the weather and crop prices. IPA is also running studies to look at products to help organise their stream of income to allow them to accumulate substantial savings. In a country that is over 50% small, subsistence farmers, this is pretty significant.

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It has become very clear to me these days how little I walked in Boston -- only between my bicycle and anywhere else I had to be. I can feel my legs growing and adapting to how I transport myself these days, walking what feels like a long way between places. My calves and shins hurt.

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