A second chance – Emmanuel and Teddy
Emmanuel works as a pineapple farmer, he tells us that if the weather is good, over a season he’ll be able to sell around six to seven hundred pineapples, but like most agricultural business, if the conditions are bad, he can end up with as few as two hundred per acre.
Normally pineapples sell for around 1,000USH (18p) each, but this isn’t enough.
“The roof will need seventy iron sheets and I can’t cover that cost with pineapples. Or if I did, I would have nothing left for my family.”
Varying weather conditions, combined with fluctuating market prices, meant that Emmanuel was unable to save enough to complete building his house, which why he applied for a housing loan.
Teddy had been saving money from working on a coffee plantation to finish building a home for him and his family. He had already invested in building materials like vents and cement and was ready to complete the house when tragedy struck his family.
Teddy and his family were returning from a school open day when his wife’s dress got caught in the engine of their motorbike. The bike crashed and one of their sons was left badly injured.
For 2 months his son was in hospital, his condition was quite serious, but luckily his brain wasn’t damaged.
“You don’t think about roofing the house when your child might be dying.”
When the family was finally able to return home, they had no money left. Teddy had spent all his time taking care of his son so he was unable to earn more money by working on the plantation. The bags of cement Teddy bought months ago were no longer of use and he fell back to where he started.
Thanks to a small loan from a friend, and support from our microfinance programme Teddy was able to get back on his feet and think about finishing his house again.