That’s why an Oxfam America emergency response launched in La Pelota last October sought not only to meet people’s immediate needs, but to help them mitigate the risks of their community for the future.

When it rains hard, La Pelota is one of the first communities in the area to flood, in part because a vigorously growing plant called la ninfa clogs the local waterways. The plant is a sign of another problem people face: poor infrastructure for sanitation. Most families rely on pit latrines whose contaminants feed the growth of la ninfa.

In October, Tropical Depression 12-E hit. It rained for almost two weeks straight. On one side of La Pelota the lake overflowed, and on the other side its natural drain spilled its banks.

“It began to rain quite a lot. Little by little, the lake drained, but then the water level rose as it continued to rain,” said Juan Francisco Flores, a 32-year-old community member. “The lake doesn’t flow fast enough through the channel. The water backs up and that’s what floods the community… The stream was flooding on one side and the lake on the other. We were isolated.”

The response from the community to the flooding was well planned and evacuation was timely, due to preparedness work that had been done by Oxfam partner Fundación Maquilishuat (FUMA), in recent years. However, damage to crops was severe.

Together with FUMA and the World Food Programme, Oxfam America launched a food-for-work initiative that not only helped families in La Pelota survive in the first months after the emergency, but reduced the risk they would face in the future. FUMA and citizens of La Pelota decided to clean out the channel to allow the water to flow more easily and prevent flooding. Oxfam provided material to do the work, FUMA provided monitoring and technical assistance, and the families carried out the work.

The project provided people with 100 pounds of corn, 33 pounds of rice, 20 pounds of beans, and a gallon of cooking oil, in exchange for 80 hours of work a month.

“The food-for-work project has been well received. It was very effective to implement this project at this time of year, when people usually don’t have work,” says Sandra Quinteros of FUMA. “There’s been a selection process for the FFW program, with several criteria—that they lost at least 50 percent of their production; that they live on less than two dollars a day; that they have many children or older adults to care for; that they are day laborers; and that they are willing to work.”

The food-for-work project has been implemented in 99 poor communities like La Pelota, in 15 municipalities throughout El Salvador. A total of 3,800 families earned a three-month supply of corn, beans, rice, and oil for a family of five, enabling them to recover from their losses and now live in better prepared communities.

A shorter commitment won't get the job done. It takes time to help people build skills and infrastructure, to get policies changed, and to ensure that governments spend their money more effectively.

Smart development demands monitoring and evaluation. Organizations should be accountable to report not only what they do, but also how they measure it. Don't believe stories that guarantee long-term impact after one or two years' investment; that's barely time to lay some groundwork.

We all crave the easy answer, the quick solution, but if eradicating poverty were simple, people living in poverty would have sorted it out long ago. They may lack resources like land, but they certainly don't lack intelligence or insight. Poverty is a global challenge—one that we can overcome together, but listening and learning from people living in poverty, and developing solutions with them, takes time and sustained effort.

This issue of OXFAMExchange includes inspiring stories, but they are just snapshots from a family album: moments in a long journey together. Each story is ultimately about perseverance and the need for long-term commitment.

For days, a small team of local aid providers has been delivering essentials like tanks of clean water, sanitation and hygiene supplies, and cooking equipment to the shelters, expanding and complementing the National Civil Protection System. Their initial action was so swift that by the time the president declared a national state of emergency, thousands of displaced people were already benefiting from their work.

The aid workers are members of Salvadoran organizations, groups that are willing to put all their other work on hold when disaster strikes. And they are not just foot soldiers—they are experts, able to survey a shelter in the midst of an emergency and within hours get key relief materials delivered and water tanks installed that meet international standards for quality.

“There is this core of ten or fifteen people on the team who are working day and night,” says Karina Copen, Oxfam’s humanitarian program officer in El Salvador. “They’re so dedicated."

The core team on the ground is never entirely alone.  All across the country, they are supported by community leaders who have been trained in the basics of caring for the public health needs of their people during emergencies. And they are backed by Oxfam.

The power of knowledge

For the past four years, Oxfam has led an effort to build the capacity of local Salvadoran communities, municipalities, and aid groups for handling emergencies like earthquakes and floods. Multi-day seminars and hands-on disaster simulations have helped transform the desire to help into hard-core expertise.

“In some ways, it would be easier to bring in a team of Oxfam specialists to do the work in emergencies,” says Copen. “But it wouldn’t be nearly as effective.”

“In a disaster, communities are the first responders,” she explains. “Before local or international aid agencies or government officials arrive, the affected communities need to make decisions and act.” So, training community leaders in the basics of public health—organizing shelters, maintaining sanitary conditions, and making sure people are drinking clean water—has been a top priority.

Training a core team of water and sanitation specialists has been even more labor-intensive, but everyone has benefited.

“In this emergency, team members have been able to come up with accurate technical assessments and then implement the response,” she says.

Confident in the team’s ability to handle the work on the ground, Copen and colleague Enrique García, Oxfam’s regional humanitarian coordinator, are able to focus on coordination.

The result: an effective and smooth-running disaster response that draws energy from its own success. “The people we’ve trained are not sitting around waiting for someone to tell them what to do,” says Copen. “They know how to help their communities, and they are stoked.”

The most pressing need: potable water

Now that the rains have eased and the sun has appeared, everyone in the shelters is eager to go home.

But the emergency doesn’t stop here. In the region known as the Bajo Lempa, the floods struck harder than anyone had seen in many years. Towns and villages are still deep in muck, their wells contaminated and their latrines flooded.

Now, Oxfam and the team are turning their attention to making home communities safe. The most pressing need, says Copen, is potable water.

There’s more to face: food shortages may threaten the recovery. Forty percent of the corn crop and 77 percent of the bean harvest have been lost to the floods, and prices are shooting up already. Oxfam is exploring ways to address the most urgent needs.

After days of ceaseless work, Copen sounds tired but hopeful.

“I’m always moved by the commitment of our partners, but this time I was also moved by the communities. They’re organizing themselves. They haven’t slept. They’re tending to each other’s needs. And they’re going back to their homes to start again.”

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Concerns about human rights and the environment are constantly swirling around the community and mine.

• As the mine was being established in 2005, the community of Sipakapa organized a referendum: The majority voted against allowing mining in their community. Neither the government nor the mine company Goldcorp respected the results. (In 2007 Guatemala's Constitutional Court ruled the referendum was non-binding.)
• By 2008, four different pension funds in Canada and Sweden requested a "human rights impact assessment." This independent report found that the company had not carried out adequate consultation with communities prior to establishing the mine, a violation of the International Labor Organization's Convention 169 Concerning Indigenous and Tribal Peoples, and the right to "free, prior, and informed consent."
• E-Tech International carried out a water study in 2010 that recommended more aggressive management and monitoring of water sources, as well as for a bond to cover cleanup costs after the mine is closed.
• A 2010 environmental health study by experts from the University of Michigan, University of Illinois, and Physicians for Human Rights found heavy metals in rivers downstream from the tailings dam, and called for ongoing monitoring.
• In 2010 the Inter-American Commission for Human Rights issued a set of "precautionary measures" that ask the government suspend mining at Marlin while the government carries out investigations into the pollution and human rights violations.
• The United Nations recently confirmed that the mine did not adequately discuss its plans with local people when it was established: "…the Marlin project was not subject to consultation with indigenous communities," says James Anaya, a special rapporteur appointed by the UN to look at the human rights situation of indigenous people in the country. His report was issued in June of 2011.
• A new cost-benefit analysis by the Tufts University Global Development and Environment Institute finds that the government of Guatemala is getting a relatively small share of profit from the mine: 42 percent of total mine revenues, which is "substantially below best practice in global mining operations." The bulk of revenues and earnings "flow overseas to the company and its shareholders." Local communities, the report says, "bear 100 percent of environmental risk." The conclusion: "...the economic benefits of the mine to Guatemala and especially to local communities... are meager and short-lived."
• Fifteen members of the US Congress sent a letter to the President Colom of Guatemala, urging him to immediately suspend operations and address the concerns of the indigenous communities affected by the mine.

The Marlin Mine now produces more than 300,000 ounces of gold a year.

Conflict and Violence

Critics of the mine in Guatemala and international experts are calling on the government and Goldcorp to accept the precautionary measures issued by the IACHR and suspend operations at the mine. It's a risky stance for local people to take: Amnesty International has noted cases of beatings and death threats against members of the San Miguel Defense Front(known by its Spanish initials, FREDEMI). Community members also report shootings and attempted shootings against mine critics. Aniceto López, a coordinator who works for FREDEMI was beaten in February 2011, along with Miguel Ángel Bámaca, a farmer and public health promoter.

The insecurity is "the worst thing affecting our community now," says Bámaca, who was also shot at late at night in July 2010, just outside his home. Like many other FREDEMI members, he is not comfortable publicly identifying his attackers. He says those who wish him ill "know what we do, where we live, when people meet...they know everything," Bámaca says."Who will help us?" The government, the courts, the police, they are not helping."

Adding to concerns about the environment and security, the ethnic Maya Mam people living in the area consider industrial mining as a form of disrespect for their religion and culture, which worships nature and Mother Earth. "Our spirituality, our vision is that there is harmony between nature, people, and God, we are together and there is balance in our lives," says Maudilia López, an indigenous woman who works for the Catholic church in San Miguel Ixtahuacán. "This mining activity puts our cultural values in danger."

Action in defense of indigenous rights

After the IACHR issued its precautionary measures urging the government to suspend operations at the Marlin Mine, the government initially agreed to do so, then later claimed it did not have enough evidence of environmental damage and human rights violations. Oxfam America has been collecting signatures on an electronic petition urging the government to suspend mining at the Marlin Mine and investigate the human rights violations and environmental problems linked to the mine.

On Monday August 29th, Melini and Maldonado received anonymous threatening letters at their office. The threats were made following a presidential candidates’ debate on oil and mining issues in Guatemala convened by CALAS and moderated by Melini. CALAS has also recently denounced an attempt by the Guatemalan government to illegally approve a license for gas exploitation in an important Guatemalan protected area called “Punta de Manabique”.

Violence and tensions in Guatemala have intensified in the run-up to the country’s presidential elections on September 11. Large-scale mining operations in particular have been the source of protest, violence, and human rights violations since the early 2000s.

CALAS has sought to promote informed debate about the costs and benefits of oil and mining in the country and to promote greater respect for the rights of indigenous communities.

In 2009, Melini was seriously wounded in an assassination attempt. “I won’t be intimidated by these threats,” Melini said in a statement. “I will continue the struggle to defend human rights and protect Guatemala’s environment.”

Oxfam America has provided financial support to CALAS since 2005. The organization is a key partner in the global Right to Know/Right to Decide campaign for reform of the extractive industries.

“The ongoing threats against Yuri Melini and other human rights and environmental activists in Guatemala are completely unacceptable,” said Keith Slack, manager of Oxfam America’s oil, gas and mining program. “All Guatemalans have a right to express their opinion about mining and other kinds of development activity without fear of threats or violence.”

Oxfam America calls on the Guatemalan government to ensure Yuri Melini’s and Rafael Maldonado physical safety and to thoroughly investigate the origins of these threats.

During August and September 2011, Oxfam America supporters sent more than 12,000 emails to the president of Guatemala in support of Yuri Melini. On October 4, Melini sent the following letter in response to this outpouring of support :

 "On behalf of the Guatemalan Center for Legal, Social and Environmental Action (CALAS) I would like to profoundly thank Oxfam America for its demonstration of solidarity and support, particularly for the urgent action carried out by the offices in Central America  (CAMEXCA) and Washington, DC on behalf of Rafael Maldonado, our legal coordinator and myself, in the face of death threats of which we were the targets last August.

 We sincerely appreciate the support that Oxfam’s supporters provided us, as well as actions by the president of Oxfam America, such as the letter sent to the US Ambassador in Guatemala, which demonstrated the interest and concern for our security and physical safety and that of the entire CALAS team.

This action and the other gestures were a strong backing and support to our work as human rights defenders and to our work in defense of the rights of communities to be informed and to decide on extractive industries in their territories, particularly because these activities put at risk the environment and communities’ present and future quality of life.

 Sincerely,

 Dr. Yuri Gionvanni Melini, Director General, CALAS"

The difficult reality

The macroeconomics of the rising price of staples are complex, but its effect on the lives of three women interviewed by Oxfam America is simple: they feel it every day.

For María Antonia León, or “Toñita”, life has never been easy. She remembers a time when she earned $3 to $4 a day selling tamales, pastries and snacks from her food cart and was able to buy weekly staples to feed her family of five. With this income, she could get six pounds of beans, half a pound of cheese, half a pound of cream, four pounds of rice, eggs, a chicken, and other basics.

“Before, with $20, I was able to fill a shopping cart. Now I can’t… I spend $40 and it’s not enough. I can’t even fill a shopping basket because everything is so expensive. Beans are $2.50, and cooking oil for 15 days is $2. We just can’t manage. This current crisis is really tough,” says Toñita. She doesn’t know how she will find the money to buy shoes or clothes.

Alternatives that help

But Toñita has now found a way to provide her family with nourishing food: Inspired by Saving for Change, she has started a garden and is raising chickens for their eggs. Saving for Change is an Oxfam program that encourages women to use the capital generated through their savings groups to participate in projects that help them achieve a sustainable livelihood. One such project seeks to promote women’s production capacity, entrepreneurial, and self-reliance skills by helping them establish vegetable gardens.

With her garden, Toñita has a new means to feed her family and avoid paying the high prices at the market. The cucumbers, radishes, tomatoes, peppers, cabbage, and mustard greens she is growing are providing her family with the vitamins and proteins they weren’t getting before. And now she is teaching other women in her community how to do the same thing. The best part is she sells her extra produce at below market prices to her neighbors facing similar difficulties.

Health and other things pushed aside

Ana Elizabeth Barrera works at a market in the city of Santa Tecla. She cooks and sells prepared foods, and therefore intimately knows the issue of rising food prices. Ana Elizabeth has seen the price of staples climb steadily over the past five years, but notes an accelerated rise of 60 to 70 percent in the past year, most notably with oil, rice, beans and sugar.

“Six to eight months ago I would invest $100 for oil, rice and other basics, and today I am spending between $150-160 which buys the same amount. Consequently, I have to raise my prices, which means that sales have gone down,” says Ana Elizabeth. She has lost 40 percent of her clientele and has had to let go one of her two employees.

Iris Madrid finds herself in a vulnerable position after losing her job a few weeks ago. Although her income was modest, it was stable and allowed her to buy basic items for her home and support her three children. Now, without a salary and facing rising food costs, she depends on her mother who sells beauty products via catalog.

“If there is detergent, then there is no soap. Or if we have soap, then we have no detergent. If we have beans, then we won’t be eating cheese. If we have cheese, we won’t be eating beans… It hurts because when you have children and they ask you for something, you can’t give it to them,” explains Iris. There are days when all they eat are the mangos from the tree outside her house.

Saving for Change is a program that is growing every day. Since its launch in 2005, it has grown to more than 488,000 members in five countries. The hope is that it will continue to grow and reach people like Ana Elizabeth and Iris, like it has reached Toñita.

Since the “precautionary measures” were issued by the IAHRC one year ago, mining has continued at the Marlin Mine, run by Goldcorp, despite local concerns about pollution and negative effects on the culture of 18 different Maya communities near the mine.

“The affected communities care the most about three fundamental things: water, the forest, and soil,” says Yuri Melini, Director of the Center for Environmental, Social and Legal Action (CALAS), speaking at a public event in Guatemala City. “They depend on these resources to live.”

People in communities near the Marlin Mine, in the western highlands of San Marcos, are reporting problems with access to drinking water and pollution, displacement from farming land, and threats and intimidation directed at people who openly criticize the mine.

Lack of action on the part of the government to comply with the precautionary measures led a delegation of representatives from civil society groups, including residents of San Miguel Ixtahuacán, the site of the Marlin Mine, to meet with the Minister of Energy and Mining Alfredo Pokus. “The Ministry of Energy and Mining has found no legal basis upon which to suspend the mine,” Pokus reported, and added that his ministry “is very concerned about the situation and has placed a delegate to supervise the area, 24 hours a day.”

"Oxfam is urging the government of Guatemala to comply with the precautionary measures,” says Juliana Turqui, Oxfam America’s program officer based in Guatemala. “The government had proven unable to control the negative impacts of mining activity, or prevent greater damage to the local population. We think that the suspension of the mine will alleviate the tense situation, and will help to guarantee better living conditions, security, and of protection of the human rights of the people in San Miguel Ixtahuacán.”

Sign our petition, which we will hand deliver to the Guatemalan Government.

The film screening was part of an effort led by Oxfam and its partners in Chalatenango to help the women participants in Saving for Change groups to improve their entrepreneurial skills and ability to manage small businesses, as well as small-scale agricultural activities and ability to advocate for better policies to address major economic issues related to agriculture and food.

Other activities during the week included cultural acts, such as theater and folklore dances, organized by the women themselves. This is a remarkable accomplishment. For the first time, women felt empowered enough to organize community activities by themselves and for themselves. It’s an example of how teaching women to save and manage their own funds in a Saving for Change group also builds self-esteem.

High food prices globally, high impact on poor families

The documentary, titled Vamos al Grano, described the food price crisis in 2009. The women in the audience noted that the prices in Latin America have not dropped much since then. “The price of a 20 pound sack of beans has gone up to $30, $35; before, it was $10,” says Juana Morales, one of the participants. “This year [2010-2011] the prices have gone up more than ever.” She explains that the high prices are caused by heavy rainfall, which ruined the crops.

All the women who came to view the film are experiencing similar challenges in providing adequate nutrition to their families. The Saving for Change program is helping women to go beyond saving and small investments to improve their small-scale agricultural production through water management, improving soil through organic fertilizer and other means, and better seed selection. Oxfam’s partners in Chalatenango are training women leaders who are then passing on their knowledge to a wider group of Saving for Change members. Discussing the larger economic issues related to food production and supply will help the women to push for better policies at the local and national level that will help small-scale food producers like them to get the help they need to adequately feed their families, and improve their incomes.

Saving for Change ‘PLUS’

Oxfam is currently funding partner organizations CORDES, CCR, and ADEPROCCA to work with 575 women from Saving for Change groups in Chalatengango to improve their food production capacity, start small businesses, and learn to project their concerns and needs on to local and regional government.

“Saving for Change goes beyond just saving and lending money,” says Milagro Maravilla, Oxfam’s Program Coordinator for Saving for Change in Central America. “It’s a perfect way to start organizing women, and that’s what we’ve been doing alongside the savings activity for three years now. It was inspiring to see how they took the lead in organizing these activities, instead of just participating in events organized by national or local organizations. And now that there is such a force of empowered women, Oxfam is helping them with the necessary skills to take themselves a step ahead economically, and to advocate for their rights.”

"El Salvador is a country with one of the highest rates of femicide (the killing of women) in the world, according to the United Nation’s Population Fund,” said Carolina Castrillo, director of Oxfam America’s Central America, Mexico, and Caribbean regional office. In fact, over the past three years, the number of femicides in El Salvador has increased from 28 to 46 a month.

That is one reason why, on Nov. 25, legislators voted to approve (by a 75-9 margin) the Special Integral Law for a Life Free of Violence for Women. "The penalty for femicide will be between 30 and 50 years of imprisonment," said Mariela Pinto, chair of the Committee for Family, Women and Children’s Affairs in the legislative assembly. The new law also provides penalties—such as fines and jail sentences—for other crimes, such as pornography, psychological abuse, and negative or hateful messages.

Beyond penalization: prevention

An important and innovative aspect of this new law is that it addresses gender-based violence from a prevention perspective and broadens the definition beyond domestic violence. (Gender-based violence also can occur in public spaces, workplaces, etc.) Effective January 1, 2012, the law will be binding in the public sphere, such as ministries and the media. This means government institutions, such as the Ministry of Education and the Ministry of Public Health, as well the Public Attorney’s office and the National Prosecutor’s office will be bound by law to do their part in the prevention of violence against women and children.

"Some institutions already are taking steps in this direction," says Mélida Guevara, program coordinator for Oxfam America’s gender program in the region. "For our Campaign for the Prevention of Gender Violence [an initiative of Oxfam America in collaboration with nine Salvadoran organizations], the Ministry of Education is a very important ally, in incorporating gender-based violence and its prevention within school curricula.”

“We also signed an agreement with the Sub-Ministry of Local Development,” she continues. “This coming year, we will bring theater and performance art, as well as training in basic gender concepts and the prevention of gender-based violence, to communities within which the ministry already works. But it takes much more coordination effort and work to change habits, roles, and beliefs. If we talk about a culture of prevention, we talk about changing the way we have been doing things for decades, even centuries. And that entails a long process, in which we all have to do our share.”

Two points of view included in one law

The new law is a product of two different proposals, one of which the female assembly members authored. These members participated in an intensive certificate course on gender-based violence, another initiative of the Campaign for the Prevention of Gender Violence. The Feminist Alliance, an alliance of several Salvadoran feminist organizations in El Salvador, authored the other proposal. The assemblywomen’s proposal stressed prevention; the proposal from the Feminist Alliance stressed penalization. The proposals complemented each other and came to make one multi-faceted law—a major victory for Salvadorans.

“This is a remarkable achievement,” said Guevara. “The Campaign’s certificate course for the assemblywomen, which resulted in the proposal, dates from 2008. It required constant work with the assemblywomen and their advisors from all the different parties. First, the women themselves had to be sensitized and find each other in a cause that goes beyond ideology. Then, as the course went on, we could see them become more and more committed, and start to advocate for gender equity as part of all the government bodies in which they take part.”

Over, the coming year, Oxfam America and its local partners will be among many civil society organizations working on a widespread education effort to teach Salvadorans, civil society, and government players about the law’s contents and the sort of conditions that need to be created to make effective implementation possible.

As in every good story, there is suddenly an element of evil. At the sound of a growl, Little Red Riding Hood freezes. The wolf has been lying in wait behind her:

"Ah, little girl, where are you going?” asks the wolf.

"I'm on my way to my grandma's house,” she innocently replies.

"And why are you all alone?” persists the wolf, gnashing his teeth as if savoring his innocent prey.

"Because my mommy and daddy have taught me to take care of myself,” says Little Red Riding Hood.

Fairytales reflect reality

The performance is part of the “Ruta del Arte,” an innovative program designed to teach young people about gender-based violence and how to prevent it. It was created by the Escena X theatre troupe, which is working with the Salvadoran Women’s Association, with funds from Oxfam America. All are part of the Campaign for the Prevention of Gender Violence, initiated by Oxfam America and several other civil society organizations in El Salvador in 2005.

This innocent fairytale is not so magical for many children who are bullied, or are victims of gender-based violence in El Salvador. María Enma Landaverde from the Santa Tecla Women's Association is convinced that social violence is rooted in domestic and other forms of violence in Salvadoran society, and that it is important to teach children to stand up for themselves and understand when they are being abused.

The fairytale continues with Little Red Riding Hood being harassed by the wolf and a woodcutter, who are offering gifts to try to persuade her to go with them.

"If you come with me I'll give you a cell phone,” the wolf says to her.

"I'll give you a DVD,” promises the woodcutter.

But Little Red Riding Hood refuses their offers. The entire audience backs her up, telling her not to let them touch her.

Leaning against one of the pillars of the school building is Juana Silvia Flores de Domínguez, vice principal of El Progresso School. She is already familiar with the nationwide Campaign for the Prevention of Gender-Based Violence, its motto: "Between you and me...a different life."

"Here, gangs are less of a problem than domestic violence, and families neglecting their children. Some of the kids come to school unwashed, wearing dirty clothes, and hungry...” she says of the kindergarten and first grade children. "We also have cases of girls who come in with bruises on them, and when the teacher asks how they got them, they say that their fathers hit them."

With the help of the students, Little Red Riding Hood resists the wolf and woodcutter’s advances and discusses some issues raised with her audience.

"What sort of violence are we talking about?” Little Red Riding Hood asks a boy, about 10-years-old.

"Physical violence,” he answers.

"If someone touches our private parts, what sort of violence are we talking about?” she asks. "Sexual violence!" her audience replies in unison, demonstrating that the children are learning the lessons.

The Art Route will continue its awareness-raising program over the next six months and reach more than 50,000 children and adolescents in 57 schools.

With prices going up, she has had a hard time keeping her business running. “When I started, I didn’t have to invest much… But everything is so expensive now and I didn’t know where to get the money. The interest rates at a bank are so high. I couldn’t afford it," she says.

“And then we started this [savings] group. Now I’m happy because I took a loan to buy paraffin. I’m able to make my candles again, and I’m selling again.”

Global struggle against poverty

Ten years ago, leaders of 189 countries met at the UN and promised to halve the proportion of people living in extreme poverty by 2015. They agreed to a roadmap setting out eight time-bound and measurable goals for 2015 -- the Millennium Development Goals (MDGs). One of these goals is to promote gender equality and empower women. One measure of progress towards this goal is to look at the number of women working and earning money.

With paying jobs scarce in many poor countries, earning wages is particularly challenging for women. While many would like to start their own businesses, they lack capital and it is hard to find money to borrow. Without credit, they are unable to take advantage of economic opportunities and stay close to home and take care of their children.

Oxfam’s ‘Saving for Change’ program helps women organize themselves and pool their savings to form a small fund. From this fund, the members can take out loans, which they normally use to start small-scale businesses, deal with emergencies, or improve their quality of life. The program serves poor women in rural and semi-urban areas who do not have access to conventional micro-credit institutions. Savings can be as little as $1 a week and loans as small as $25, or less.

Sandra, like Rocío, also lives in Guatemala and recently joined a Saving for Change group. “Before, I had to go elsewhere to get a loan, and that was so difficult. But now we have our savings and can get our loans. And it’s our own money,” she says. Sandra took a 50 quetzales ($6) loan to buy wool for making Guatemalan cloth. She hasn’t sold it yet, but when she does she expects to make 200 quetzales ($25).

These amounts sound small, but they make a substantial difference in the women’s lives. Take Elena Miranda, who now owns a bakery in Chalatenango, El Salvador. “I took a loan to buy a machine to make bread and pastries… at only one percent interest. Within two months I could pay half of it back… With this business, I cover all the daily household expenses,” she explains.

Saving for Change is based on the group members’ own savings. They borrow no external capital. It teaches women how to manage their fund, and within a year the groups are able to continue their activities on their own. By the end of 2010, Saving for Change aims to reach 10,000 people in El Salvador and Guatemala. That is 10,000 empowered women who are one step closer to lifting their families out of poverty.

For the past ten days, Oxfam has been responding to the flooding in the Mexican states of Oaxaca, Veracruz, Tabasco, and Chiapas.