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                                                      ETHICAL INVESTING 101
                                                      3 tips for any portfolio
                                                      OSCAR PETERSON TRIBUTE
                                                      A musician and child sponsor
             SUMMER 2008 WorldVision.ca               Small loans turn to big businesses

 More people                                                                         THE
 are now forced                                                                  GREEN
 from their homes                                                                 ISSUE
 because of
 disasters than war


■ As Africa continues to face
              ntinues to face
                  ue      ace
              ng droughts,
more devastating droughts,
                  ro gh
                   ou ht
                th continent
                the ontinent
scientists warn the continent
                      n n
              per cen less
               er cen ess
                  cent ess
                   e     s
could have 25 per cent less
              nd of the century
water by the end of the century..
                         e ur
                     he centu

                                                                                                     WHO WE ARE World Vision is a Christian
                                                                                                     relief, development and advocacy organiza-
I agree wholeheartedly with
                                                                                                     tion dedicated to working with children,
Karen Stiller’s article about
                                                                                                     families and communities to overcome
writing to your sponsored
                                                                                                     poverty and injustice. As followers of Jesus,
child (“Confessions of a Guilt-                                                                      we are motivated by God’s love to serve all
Ridden Sponsor,” Spring                                                                              people regardless of race, religion, gender
2008). I have been a sponsor                                                                         or ethnicity.
for over 20 years and I eagerly
wrote a letter to the first child                                                                    WHAT WE DO      Since 1950, World Vision
I sponsored. Being younger                                                                           has helped millions of children, families and
then (in my 20s), life got very                                                                      communities. We provide emergency assis-
hectic and I don’t really know                                                                       tance to those affected by natural disas-
how many letters I ended up                                                                          ters and civil conflict, develop long-term
writing after that.                                                                                  solutions within communities to alleviate
                                                                                                     poverty and advocate for justice on behalf
  It was not until the tsunami hit Indonesia that I ended up
                                                                                                     of the poor.
sponsoring another child. This time I did not mess up; I wrote
on a regular basis. One of the best things you can do is sponsor
                                                                                                     WHY WE SERVE      Our passion is for the
a child. The next best thing, which is just as important, is to write                                world’s poorest children. To help
to that child.                                                                                       secure a better future for each child, we
                                                                                K I M P AY N T E R
                                                                             Wolf Creek, Alberta     focus on lasting, community-based trans-
                                                                                                     formation. We partner with individuals
LE TTER-WRITING TI P                                     issues they face day-to-day.                and communities, empowering them
i’ve found a way to make writing to                         It is amazing to read about how          to develop sustainable access to clean
my sponsored child easy (“Confes-                        World Vision has helped women               water, food supplies, health care,
sions of a Guilt-Ridden Sponsor,”                        and children get past these barriers         education and economic opportunities.
Spring 2008).                                            by offering essential services so that
   We have a list of addresses for                       they can continue to live healthy in        HOW YOU CAN HELP        By working
friends and family in the computer in                    their communities. I strongly believe       together, we can make a lasting
label format that we use for sending                     that it only takes a few of us to make
                                                                                                     difference in the lives of children, families
our Christmas cards. I use the leftover                  a big difference.
spaces on the sheet to enter the mail-                                       AMANDA SINGH
                                                                                                     and communities that are struggling to
ing address in Tanzania on some and                                          Brampton, Ontario       overcome poverty. To learn how you can
my child’s name and number on the                                                                    help, please visit WorldVision.ca
rest. When I go to write a letter it is                  A G R EAT I DE A
just a matter of peel and stick. Easy!                   i compliment karen stiller for her            WORLDVISION.CA
                                                                                                                                                      NI GE L MAR SH (T H IS PAGE) ; SCOT T LO U T (O P P OSI TE )

                              JUDITH COLEMAN             article “Confessions of a Guilt-Ridden
                                        Victoria, B.C.   Sponsor” (Spring 2008). I thought I          World Vision’s website is the fastest
                                                         was the only guilty sponsor. Although        and easiest way for you to:
B REAKING BARR IE R S                                    I have sent the World Vision cards           • sponsor a child
i really enjoyed reading the article                     and small gifts, I still feel guilty.        • change your address
“When Mother Knows Best” (Spring                         Thank you for your suggestion of             • apply for a job at World Vision
2008), about mother-to-child trans-                      sending a Canadian postcard. That’s
                                                                                                      • discover the One Life Experience
mission of HIV. I understand how                         a great idea.
                                                                                                      • learn about important global issues
difficult it is to help women overcome                      Thank you, your article hit home.
stigma and discrimination when they                                         LIZ CUNNINGHAM                 Visit worldvision.ca today
already feel ignored because of the                                     Richmond Hill, Ontario

2   WO R LDV I S I O N.CA   childview                                                                                                   SUMMER 2008

                                                on the cover
SUMME R 2008                                 16 The Environmental Refugee
PRESIDENT                                       More people are now forced from their homes because
Dave Toycen                                     of environmental disasters than war.
                                                STO RY A N D P H OTO G R A P H Y BY J U ST I N D O U G L A SS

Kristy Woudstra

         John Bugailiskis

ART D I RE CTOR   Carol Moskot
ASSOCI ATE E D I TOR Nicolette Beharie

CO NTRI B U TI NG E D I TO R Deanna Dority


While industrialized countries are respon-      in this issue
sible for emitting most of the greenhouse
gases that contribute to global warming,
                                              4 Time for a Climate of Change
developing nations will suffer the most         FROM THE PRESIDENT    While the threat of climate change continues to
from climate change. (Story on page 16.)        make headlines around the world, what you likely haven’t heard is how
P H OTOGR A PH BY PHIL IP MAH ER                it will affect the world’s poor. B Y D AV E T O Y C E N

Childview, a free quarterly magazine,
                                              5 Upfront
                                                Solar cookers • Climate change and the poor • What’s a carbon footprint? •
is published by World Vision.
                                                4 green shopping tips • Tribute to Oscar Peterson

For more information about                    9 Ethical Investing
World Vision                                    HOMEFRONT Three simple steps to great returns for yourself—without

call 1-800-387-6323 or                          having a negative impact on others. B Y K A R E N S T I L L E R
email info@worldvision.ca
Financial statements are
                                             11 5 Questions
                                                WHERE ARE THEY NOW?  Former sponsored child Genny Romero, 25,
available upon request.                         in Colombia and her former Canadian sponsor ask each other five
VISIT OUR WEBSITE AT WORLDVISION.CA             burning questions.

Childview                                    13 Mom-preneurs
                                                How 4 women turned microfinance loans into profitable businesses to
1 World Drive
                                                support their families. C O M P I L E D B Y S A B I T R I G H O S H
Mississauga, Ontario L5T 2Y4
email: childview@worldvision.ca              22 My Brother’s Keeper
fax: 905-696-2160                                             One author discovers that true compassion for the poor
                                                FAITH IN ACTION

Letters may be edited for space                 begins when we view them as our own flesh and blood. B Y G R E G P A U L
and clarity.
                                             23 One Child’s View
                                                Twelve-year-old Sheila Mae, a sponsored child in the Philippines, helped
                                                plant mangrove trees in her rural community to protect the land from erosion.
                                                P H OTO BY A N D R E W G O O DW I N

                                                                                             ■ DISASTER
                                                                                             Floods in South Asia
                                                                                             displaced thousands
                                                                                             of families in 2007. In
                                                                                             that same year, more
                                                                                             than 200 million people
                                                                                             were directly affected
                                                                                             by natural disasters.

 Time for a Climate of Change
 the images of a changing earth that we see these days                 natural disasters are a regular occurrence, we are working
 in the media are both startling and frightening: melting              with communities to give them practical training on how
 polar caps, devastating droughts and deadly storms. While             to respond quickly and efficiently when a disaster strikes.
 the threat of climate change continues to make headlines              In southern Africa, where people are particularly vulnerable
 around the world, what you likely haven’t heard is how it will        to drought, we’re using techniques such as conservation
 affect the world’s poorest.                                           farming—improving crop yields while reversing environ-
    The United Nations Development Program recently stated             mental degradation.
 that developing countries and the impoverished people who                As a Christian, I am motivated to care for God’s creation—
 live in them are the most vulnerable to climate change as             not only because the Earth is an expression of God’s cre-
 natural disasters become more frequent, sinking them even             ativity and we are called to be stewards—but also because
 deeper into poverty. Developed countries like Canada are              the ongoing impact of environmental degradation will be
 home to just 15 per cent of the world’s population, yet gen-          devastating for many of God’s children.
 erate almost half of all the harmful carbon emissions that               To respond to the threat of climate change, the developed
 contribute to climate change. Without action from wealthy             world must rethink its economic model based on unfettered
 countries, including Canada, the effects of climate change            consumption that has proven environmentally unsustain-
 are likely to be devastating for rich and poor nations alike.         able. We simply can’t allow climate change to turn back the
    In my travels, I have witnessed how climate change is harm-        progress we have made in these countries.
 ing the families and communities World Vision has been serv-             Instead of waiting for our leaders to act, we can take the
 ing for over 50 years. Last year alone, more than 200 million         first step by looking more closely at how our choices and
 people were directly affected by natural disasters, an increase       habits can contribute to climate change. Living green simply
 of 65 million people from the previous year.                          involves adjusting one’s lifestyle to have a lesser impact on
                                                                                                                                        F IN N O ’ H AR A (T H I S PAG E, B OT TO M); A NTO N IO FI O RE NT E ( O PP OSI T E)

    World Vision is committed to helping communities prepare           the Earth’s atmosphere. By doing so together, I know we can
 for the emerging threat of climate change. We are working to          be a positive force for change on our planet.               CV

 help prevent disasters in the first place, to build people’s resil-
 ience and to restore the environment, where possible.                 Editor’s note: To learn more on the affects of climate change,
    For example, in Latin America and the Caribbean, where             see “The Environmental Refugee Phenomenon” on page 16.
  PRAYER POINT Pray that God will give each of us the
 wisdom to look honestly and carefully at our daily activities,
 so we can find ways to lessen our impact on the planet.

                                                                                                     Dave Toycen,

 4   WO RLDV I S I O N.CA   childview                                                                                     SUMMER 2008
                                                                               D EAS
                                                              NEWS, FACTS AND IDEAS

Solar Power
Cooking with the sun’s rays
is environmentally friendly
■ H OW I T WO R KS       Made of reflective material, a
solar cooker converts sunlight to heat energy that can
be used to cook food. By directing the device toward
the sun, a pot of food placed in the centre can reach
200 to 300 degrees Fahrenheit. While the cookers
work best during the brightest hours of the day, they
can still function throughout periods of cloudiness.
■ ENVIRONMENTAL BENEFITS Since solar cookers
use sunlight to heat food, they do not require carbon-
emitting fuels to operate. This helps families to become
less dependent on firewood, while encouraging the
conservation of local forests.
■ HOW IT HELPS Gathering firewood to cook food
on a daily basis is not only time-consuming, but it also
depletes forests. Fitale Urge, a mother of nine children,
lives in a rural area of Ethiopia that suffers from deser-
tification. Before World Vision supplied her with a solar
cooker two years ago, she walked for hours to fetch fire-
wood, which is scarce in her area. Today, Urge is also free
from the negative health effects of burning firewood.
“My respiratory organs and eyes do not hurt from smoke
anymore,” she says. —Aklilu Kassaye

                                                                                       ■ COOKER
                                                                                       World Vision provided Fitale
                                                                                       Urge, a mother of nine children,
                                                                                       with a solar cooker two years ago.
                                                                                       She lives in a rural area of Ethiopia
                                                                                       where firewood is scarce.

                                                                             SOUTH AMERICA
                                                                   The Amazon rainforest, the “lungs of the
                                                                   Earth,” could transform into savannah by
                                                                   the end of the century if the most severe
                                                                        climate projections hold true.


                                                                                                  An additional 75 to 250 million people
                                                                                                     in Africa will go thirsty because of
                                                                                                     climate change by 2020. In some
                                                                                                   African countries, yields from rain-fed

 Warning countries
 While industrialized
                                                                                                  agriculture could also be reduced by up
                                                                                                               to 50 per cent.

 contribute the most to global
 warming, developing nations
 will suffer the most
 Source: Philippe Rekacewicz, UNEP/GRID-Arenda,                                                                           Carbon dioxide
 United Nations Framework Convention on Climate Change                                                         emissions in thousand tons


4 Ways to Combat Climate
Change at the Grocery Store
             1 go organic                                              2 buy local
          average org
      On average, organic farming uses 30 per cent less fossil     Locally grown food doesn’t have to travel long distances,
      fuels than conventional farming. As well, organic tech-      which reduces food miles and carbon footprints. At farm-
      niques conserve more water in the soil, induce less ero-     ers’ markets, don’t assume you’re buying from a farmer
      sion, maintain soil quality and conserve more biological     or even buying locally grown products. To be sure, simply
      resources. Foods that are “certified organic” products will   ask the vendors about their farm or where they’ve pur-
      have the certification body or number on the label.           chased the product.

 6   WO R LDV I S I O N.CA   childview
                                                                                   DID YOU KNOW?

                                                                                  CO and You    2

                                                                                                         amount of
                                                                                                 dioxide (CO2)
                                                                                                your lifestyle cre-
                                                                                                   ates is called
                                                                                                     your “carbon
                                                                                   dioxide is the main green-
                                                                                   house gas behind global
                                                                                   warming. Using fossil fuels
          Four hundred million people rely on the                                  such as oil, gas and coal sends
       Ganges River and its tributaries for their live-
       lihood. The Himalayan glaciers that directly                                a lot of CO2 into the atmo-
       feed into the Ganges could vanish by 2030
             because of rising temperatures.
                                                                                   sphere, which traps heat. Re-
                                                                                   ducing your carbon footprint
                                                                                   means cutting back on energy
                                                                                   use so we can limit how CO2 is
                                                                                   changing our climate.
                                                                                       TO LEARN MORE ABOUT YOUR CARBON
                                                                                       FOOTPRINT, VISIT WORLDVISION.CA

                            Growing and getting food to market are among the primary human activities
                            that contribute to global warming. Fossil fuel is involved at all stages of food
                            production, from plowing and fertilizing to processing and packaging. The good
                            news is, we can take a bite out of global warming by how we shop for and use food.

    3 buy food in bulk                                         4 make a meal plan
Twenty-three p cent of energy used in food production
T ent three per                                             What’s lurking at the back of your fridge? The average
is for processing and packaging. Choose large containers    Canadian family throws out 14 per cent of the fresh food it
instead of several small ones. Buy concentrates and bulk    buys. Don’t just plan your shopping list, but plan when you
foods when you can. Bulk foods are economical, fun to       are going to have time to prepare the food you are buying
shop for and easy to use. But make sure you have adequate   as well. Check the refrigerator each day and eat or freeze
room to store the extra food.                               anything that is nearing the end of its safe storage period.

SUMMER 2008                                                                                         childview   WORLDVI SI ON .CA   7

 Oscar Peterson, 1925-2007
 One of the world’s greatest jazz pianists was also a World Vision child sponsor
 for 15 years. World Vision president Dave Toycen shares his reflections

 Like many of you,
 I knew and loved the
 music of Oscar Peterson.
     But the Oscar I knew
 even better was a man
 with a heart for children,
 convictions for justice
 and a passion to make this
 world a better place. In an
 article he wrote, Oscar
 talked about each of us
 being the “physicians that
 are capable of initiating
 the healing process that
 our world so desperately
 is in need of.”
     In my first meeting with
 him some years ago, he
 turned our conversation
 immediately to the plight
 of children. He told me
 that sometimes he felt so
 convicted in his spirit that
 he couldn’t sleep.
     I know Oscar gave to
 many causes, but I was
 touched by a comment he
 made. He said, “I would
 do anything World Vision
 asks me to do. Any time,
 any place.” And he did.
     On behalf of World
 Vision Canada, I want
 to express our heartfelt
 appreciation for Oscar
 Peterson. May his music
 and his passion to make
 the world a better place
 for children live on
 through us.


 8   WO R LDV I S I O N.CA   childview                                     SUMMER 2008

                                                                                                                    Ethical Investing

                                                                                                                  Three simple steps to great returns for yourself—without
                                                                                                                    having a negative impact on others BY K AREN STILLER

                                                                                                                         i was never one to rock our financial      its way through downtown. And there

                                                                                                                         boat. Well, it’s not really a boat; it’s   they were: protesters pointing fingers at
                                                                                                                         more of a financial dinghy. Randy, our     a company profiting from the conflict in
                                                                                                                         nice financial advisor, drops by our       Sudan’s Darfur region. I had glimpsed
                                                                                                                         house once a year, spreads gobbledy-       that company’s name on some paper
                                                                                                                         gook on our dining room table and          somewhere, something to do with our
                                                                                                                         reassures my husband and me that we        own investments.
                                                                                                                         are on the right track. The conversation      It was an unnerving moment, but
                                                                                                                         then turns to guitars and I wander off.    one that led me down my own free-
                                                                                                                            But that was before Boston happened.    dom trail of finding out how to ensure
                                                                                                                         There I was, playing tourist somewhere     our investments are not damaging the
                                                                                                                         historic on the Freedom Trail that winds   world while making us profits. So, I

                                                                                                           SUMMER 2008                                                                                    childview   WO RLDVI SI O N.CA   9

 pretended to know what things like a             others, such as Toronto’s Jantzi Social          provide you with any information on
 “market capitalization-weighted com-             Index, which monitors the performance            socially responsible investing, “my rec-
 mon stock modeled on the S&P/TSX”                of 60 Canadian companies that have               ommendation is to fire your advisor,”
 was and made my way through conver-              passed a set of broadly based social and         says Ellmen. “There are a lot of advisors
 sations with some smart people, fluent           environmental screens. The real global           out there.” And he recommends inves-
 in “financial-ese,” about the world of           impact though, says Berry, is when               tors do work with advisors on this. “It’s
 ethical investing.                               investors move on to “positive inclu-            a complicated area.”
    Ethical investing—also known as               sion,” looking for companies known to
 socially responsible investing, green            be leaders in environmental action.              3 . PI C K F RO M T HE L E A D E R S
 investing or sustainable investing—                 “You start by screening out the bad            Jeffrey Talmey is a financial consul-
 involves truly putting your money                guys. Then, you start looking at those            tant with Investor’s Group in Whitby,
 where your mouth is and investing in             doing positive things,” she says.                 Ontario. “There are probably millions
 stocks, bonds, funds and companies                                                                 of investors out there who have strong
 that meet certain ethical, social and             2 . FI N D YO U R E T HI CA L A L LY             social views but don’t know about
 environmental standards that we say               If you work with a financial advisor             these funds. And they do perform,”
 are important to us.                              already, he or she can be your ally.             says Talmey. “Right now, green energy
    It’s where our wallets meet our wishes         Many investment companies already                is huge. A lot of companies are mak-
 for the world. And the good news is,              have ethical fund choices in place.              ing changes.” Investment groups like
 according to the experts, you don’t have          Eugene Ellmen is executive director              Talmey’s serve up a menu of fund
 to sacrifice profit for those principles—         of the Toronto-based Social Investment           choices that investors can choose from,
 or be a financial guru to figure it all out.      Organization (SIO), a trade association          all of which have passed through their
 Here’s what I discovered:                         for socially responsible investors. The             socially responsible screening process.
                                                   SIO estimates that $65 billion                              And those “baskets of funds,”
 1. DECIDE WHAT’S IMPORTANT TO YOU                 was invested according                                          says Ellmen, just might
 Back in the 1920s, they were called “sin          to socially responsible                                           be the ones you want to
 stocks,” explains Laura Berry, executive          investment policies in                                              invest in anyway. “We
 director of The Interfaith Center on              2004. In 2006, it was
                                                                                       WRITE TO US!                     believe that it makes
                                                                                   Do you know ways to make
 Corporate Responsibility, a New York-             $500 billion.                      ethical investing easy?           a lot of plain sense to
 based association of 275 faith-based                  Ethical investing                    Email us at                 invest in companies
 institutional investors. “The roots of the        is going mainstream,             childview@worldvision.ca            that are environmental
 social investment movement go back to             partly because large                 We’d love to hear             leaders that will be ahead
 avoidance of stocks like gambling and             pension plans are start-                  from you.               of this trend of sustain-
 alcohol.” Today, the issues are broader           ing to buy in. “Large Cana-                                    ability, instead of the compa-
 and include things like human rights              dian banks are also starting to                           nies that will be dragged kicking
 and the environment.                              come into this market,” explains Ell-            and screaming into it.” Because socially
    Berry says a first step for “retail inves-     men. Start asking your advisor some              screened and approved stocks have been
 tors” (people brave enough to do their            questions. “The structure of the con-            so vigorously examined, investors actu-
 investing without a financial advisor)            versation between client and advisor             ally know more about them in the long
 is to use negative screening. “You say            is such that social and environmental            run—and the long run is what investing
 ‘I don’t want to make money off com-              issues don’t come into it,” says Ellmen.         is all about, says Ellmen.
 panies doing this kind of work.’” That            “That’s the culture of the industry. But            I confess. A really big part of me just
 involves research to see who’s doing              despite the difficulty of raising it with        wants our investments to make a ton of
 what and where, she says. You can                 advisors, people are doing it.”                  money so I can live happily ever after
 always rely on the detective work of                  If your advisor says he or she can’t         and maybe go on a cruise when I’m
                                                                                                    really old. But, according to the experts,
                                                                                                    my financial goals and my social con-
   How Well Do Ethical Funds Perform?                                                               science are not mutually exclusive. “This
    Must you sacrifice solid returns on your investments just because you’re a caring               is not charity,” says Ellmen. “We don’t
    person who wants to make the world a better place? Not so, says Eugene Ellmen of                take the view that investors should sac-
    the Social Investment Organization.                                                             rifice returns. We expect excellence on
      Socially responsible funds have been available in Canada since 1986, and                      both fronts, providing a good return and
    they have done as well as the majority of funds available to Canadian investors in              making the world a better place.” Berry
    that time. Occasionally, they’ve even outperformed their competition. “Socially                 says it’s about achieving freedom after
    responsible investing does not have a penalty,” says Ellmen.                                    all, both financial and in your heart. “It’s
      A 2007 study by the United Nations Environment Program Finance Initiative                     not about guilt. Ultimately, we feel we
    called “Demystifying Responsible Investment Performance” confirms what socially                 are changing the platform about how to
    responsible investing advocates have been saying all along: you can make money                  make wealth in the world.”                     CV

    and help save the world at the same time.
                                                                                                       TO LEARN MORE ABOUT HOW YOU CAN MAKE
                                                                                                       ETHICAL INVESTMENTS, VISIT WORLDVISION.CA

 10   WO R LDV I S I O N.CA   childview                                                                                                SUMMER 2008
                                                                                            WHERE ARE THEY NOW?

                      5                  Questions
                                    Former sponsored child
                                    Genny Romero, 25, grew up
                      amid poverty in Bucaramanga, Colombia.
                      Today, she is a sponsorship promoter for
                      World Vision in her native country

                      Romero’s former Canadian sponsor, Jane Crescenzi of
                      King City, Ontario, asks her five questions

                      1       important things
                        |Whathappened in your life
                                                         in my life. I tell them that they
                                                         can ask God to guide them and I
                      during the last five years?        teach them to obey their parents.
                      I finished studying technology     I also tell them to keep fighting
                      and began psychology. That         for their dreams because one day
                      was my dream. I have also been     they can come true.
                      able to enjoy and recognize the
                      loving care of God through
                      working at World Vision.
                                                                you travelled out-
                                                         4|Haveyour community?
                                                           side               y?
                                                         I’ve visited other cities in
                          What do you enjoy the
                      2|  most about working for
                      World Vision?
                                                         Colombia. I remember with
                                                         happiness my first and only
                                                         trip by plane. It was touching.
                      It is not just a job, but also a
                      way to contribute to the people.
                      I feel an emotional commit-
                                                           “I yearned to know w                                      Genny
                      ment since I am an example             my sponsor and                                          Romero
                      for the children and youth of       dreamed of giving her                                   BUCARAMANGA,
                      my community. I like to see
                      the children experience the
                                                               a strong hug.”
                      same feelings I used to have
                      when I received motivating mail
                      from my sponsor. I didn’t want
                                                             |What has changed er
                                                         5years?community over
                      to disappoint her.                 the
                                                         There are more parents com- m-
                           If you had opportunity
                      3|communityanone piece ofin
                           to give a younger child
                                                         mitted to educating their
                                                         children. There is also

                      your                               more economic stability and d
                      advice, what would it be?          people are fulfilling their
                      Advising children is a constant    dreams.

                      SUMMER 2008                                                                   childview   WORLDVI SI ON .CA   11

                                          Romero poses five questions to
                                          her former Canadian sponsor,
                                          Jane Crescenzi

                                          1|Whatfor my communityyou
                                                  expectations did

                                          and me when you got involved
                                          in the sponsorship program?
                       Jane               I didn’t have specific expecta-
                     Crescenzi            tions. But I hoped that the little
                 KING CITY, ONTARIO
                                          I could offer would help pro-
                                          vide education and health for a
                                          child and help a community to
                                          become self-sufficient.

                                          2|What did your family you
                                              and friends say when
                                          decided to sponsor a child?
                                          My children were enthusiastic
                                          and were happy to be involved.
                                          Other family members and
                                          friends were skeptical and
                                          didn’t believe that the money
                                          was being used to help the
                                          community. I now can tell them
                                          of the success of sponsorship.

                                          3|When I attendIlocalmy of
                                              sponsor visits, see
                                          dream there: the possibility
                                          giving you a hug and thanking
                                          you. What do you think about
                                          my dream coming true?
                                          When I watch World Vision on
                                          television, I think what a won-
                                          derful experience it would be
        “Genny was                        to see you and hug you, too.
            my first
      sponsored child.                    4|Are youfamily sponsoring
                                               of your
                                          a child?
                                                       or any members

      For me, it was as
                                                                                    NI WAH VI SS ER (T HI S PAGE); AND R EW GO O DW IN (O PP OSI T E)

                                          I sponsor two girls, one in
       if I had gained                    Colombia and one in India.
      another child in
          the family.”                    5|Whatme today? Or what
                                                     advice would you

                                          would you like to tell me?
                                          Be a life learner and find time
                                          to explore and learn new things.
                                          I am proud of you and the
                                          goals you’ve achieved.             CV

                                                  —With files from Astrid Zacipa

 12   WO R LDV I S I O N.CA   childview                               SUMMER 2008
Maria Mendoza (right)
received a small loan                                ■ VOTER Khadijetou,
through World Vision to                              20, voted for the first
open a bakery in El Salva-                           time this past March.
dor. She uses her earnings                           She dipped her finger in
to buy school supplies for                           ink to mark her voter card.
her daughter Veronica, 12.

How 4 women turned microfinance loans into profitable businesses
    to support their families Compiled by Sabitri Ghosh

                                                                                                                   ■ BAKERY
                                                                                                                   Sponsored child
                                                                                                                   Veronica, 12, eats buns
                                                                                                                   from her mother’s

Maria Mendoza                                                                                                      bakery. It’s the only
                                                                                                                   one in their rural com-
                                                                                                                   munity in El Salvador.
MARIA MENDOZA, 50,   is more than a breadmaker:
she’s a breadwinner. The earnings from the 300           BAKERY
loaves of bread she and her 12-year-old daughter,
Veronica, bake each day go to feed and purchase
school supplies for the sponsored child and her nine
brothers and sisters.
   Before launching her business in 2002, Mendoza and
her family struggled to survive on her husband’s meagre
income as a subsistence farmer in El Salvador. “It wasn’t
enough for us to live on,” she says.
   With Veronica suffering from malnutrition, Mendoza
signed up for nutritional training from World Vision. As part
of the program, she received a loan to purchase a $250 oven
to start her own bakery with two other women in her area.
   Because it’s the only bakery in the community, business
has been booming. But for Mendoza, the real payoff isn’t
monetary. “Veronica is very happy because she is gaining
weight and getting better,” she says. “Because she is happy,
I am happy, too.”              —With files from Robert Vesleño


                                                                                                                                             AN D REW GO O DW I N (T H I S PAGE , TO P ); RE ENA SA MU EL (T HI S PAGE , BOT TO M); N IG EL MA RSH ( OP P OS ITE, TOP ) ; H A BTA MU YOS EP H ( OP P OS ITE, B OTTOM)
                                          SHOP                                        THE FACTS

                                                                                      Microfinance provides small loans
                                                                                      at low interest rates to impoverished
                                                                                      entrepreneurs who want to launch or
                                                                                      expand a business. Without assets or
                                                                                      credit history, they don’t qualify for
                                                                                      a traditional loan. Once a borrower
                                                                                      begins profiting from his or her busi-
                                                                                      ness and can repay the loan, that mon-
                                                                                      ey is used to help new entrepreneurs.
                                                  ■ GARMENTS
                                                  Rekha Ananda Parit (left)                A LOOK AT MICROFINANCE
                                                  sells saris to factories near                BY THE NUMBERS:
                                                  her village in India.
                                                                                          is the average amount for a loan
                                           traditional garments worn by wom
                                                 ional                    women             133 MILLION
Rekha                                      in India, and underwear from a n
                                                dia,                        nearby
                                           garment factory. “We have gone a long
                                                                                              clients worldwide

                                                                                                     85 %
Ananda Parit                               way,” says Parit. The group now ta
                                           orders from other establishments in
                                                                                        of clients are female entrepreneurs

AFTER ATTENDING a World Vision             the garment industry near their village.                  98%
employment workshop for women,                The self-made businesswoman now            of clients repay their loans on time
Rekha Ananda Parit, 35, decided to         feels she can handle almost any situa-
form a group with 11 other moms.           tion. “I have confidence to talk to men                  2006
  With the help of a loan through          and government officials,” she says.         the year Mohammad Yunus received
World Vision, the women began sell-           And, most importantly, she’s put-       the Nobel Peace Prize for his pioneering
                                                                                                 work in microcredit
ing garments in their rural village in     ting food on the table for her children.
India. They now take orders for saris,              —With files from Reena Samuel

14   WO R LDV I S I O N.CA   childview                                                                                SUMMER 2008
                                    Hamisa Bernard
                                    BESIDES TOOTHPASTE, soap and packets of porridge,
                                                                                                        own kiosk and co-owning
                                                                                                        a catering business with a
                                                                                                        group of friends. “My com-
                                    Hamisa Bernard,27, supplies another key commod-
                                    Ha                                                                  munity saw my success and
                                    ity in her rural community in Tanzania—hope. The                    many have joined income-
                                    mother of three has gone from poverty to operating her              generating groups,” says
                                                                                                           Having parlayed two
                                                                               ■ GOODS                  loans of 20,000 Tanzanian
                                                                               Hamisa Bernard uses      shillings ($17) into her two
                                                                               the profits from her     thriving businesses, she
                                                                               basic goods kiosk in     now plans to apply for a
                                                                               Tanzania to help pro-    loan of 60,000 shillings
                                                                               vide for her children.   ($53) to improve her kiosk
                                                                                                        and increase its stock of
                                                                                                        goods. Eventually, she
                                                                                                        hopes to open her own
                                                                                                        clothing store.
                                                                                                           Bernard credits World
                                                                                                        Vision with giving her the
                                                                                                        financing and business
                                                                                                        training she needed to
                                                                                                        succeed. But no matter
                                                                                                        how busy her business
                                                                                                        gets, the bottom line for
                                                                                                        her remains the same:
                                                                                                        “The bigger and better my
                                                                                                        business becomes,” she
                                                                                                        says, “the better I can look
                                                                                                        after my children.”
                                                                                                        —With files from Neema Mosha

                                                  ■ DAIRY Tiruesh Tadese (second
TirueshTadese                                     from right) began selling butter and
                                                  cheese six years ago in Ethiopia.
WHEN TIRUESH TADESE, 42, and    six friends
took out a small loan to start selling butter
and cheese, they had no idea they’d be run-
ning a successful bus service in their com-
munity two years later.
  Tadese received the loan for the dairy
business through a World Vision-affiliated
microfinance institution in Ethiopia six
years ago. After paying off the loan, the
mother of seven and her partners then lev-
eraged the profits, along with two additional
loans, to rent buses for the public transport
venture. Their business became so success-
ful, they now own their own bus.
  With her earnings, Tadese built a home
and was able to send one child to university.
  “I never imagined my life would be this
much better,” says Tadese.
           —With files from Habtamu Yoseph

SUMMER 2008                                                                                                childview   WORLDVI SI ON .CA   15
Shinedaray, 18, tends
to animals at a World
Vision youth farm centre
located outside Ulan
Bator, Mongolia. Staff
at the farm teach animal
husbandry and vegetable
growing skills.

 SPECIAL                                        ■ CLIMATE CHANGE
 REPORT                                         Tumun-ultzi, 5, plays
                                                in the sand near his
                                                home in Ulan Bator.
                                                Climate change is rapidly
                                                expanding the deserts
                                                in Mongolia, threaten-
                                                ing the livelihoods of
                                                thousands of families.
                                                Below: A couple comfort
                                                each other after severe
                                                weather wiped out their
                                                entire herd in Mongolia.

growing up in the picturesque mon-
golian province of Arkhangai, Chatrabal
Choijamts never imagined he would
one day live in the country’s capital.
Like his ancestors before him, he was
a nomadic herder with nearly 100 cows,
sheep, goats and horses.
   Then four years ago, Choijamts and
his wife had to end their family’s herd-
ing tradition. The last of their livestock
had died after a series of droughts and
dzuds. A dzud is a Mongolian term for
severe environmental conditions, which
includes temperatures plunging to 40
below, heavy snow and strong winds that
create livestock famine resulting in the
mass death of animals.
   Choijamts tried his hand at a couple
of small businesses but couldn’t make
ends meet. In search of work, the fam-
ily of 12 made the trek to Ulan Bator two
years ago.
   “I saw cattle everywhere frozen solid
that were still standing in the fields,” says
Choijamts. “People were weeping. With-
out our animals we have no life.”

                                                                               Dzuds aren’t new to Mongolian herd-
                                                                            ers. But the dzuds have become far more
                                                                            fierce and frequent in recent years. In
                                                                            fact, Mongolia has experienced more
                                                                            extreme weather patterns, including
                                                                            drought, sand storms and dzuds, over-
                                                                            all. Climate experts directly link these
                                                                            occurrences to the fact that the average
                                                                            temperature in Mongolia has climbed
                                                                            almost two degrees Celsius in the last
                                                                            60 years.
                                                                               “The clear and increasing damages
                                                                                                                         SU E BRYA N (T H I S PAGE , BOT TO M)

                                                                            caused by natural disasters in the coun-
                                                                            try due to global climate change poses a
                                                                            direct threat to the livelihood and health
                                                                            of Mongolia’s people,” says Pratibha
                                                                            Mehta, United Nations resident coordi-
                                                                            nator. From 1999 to 2003, Mongolia’s
                                                                            government reports that dzuds killed 25

18   WO R LDV I S I O N.CA   childview                                                                     SUMMER 2008

                                                                  At the United Nations Millennium Summit
                                                                  in 2000, world leaders pledged to end
                                                                  poverty, improve health and education
                                                                  and promote equality and environmental
                                                                  balance by 2015. To achieve this common
                                                                  end, eight goals were established for each
                                                                  nation to meet—the Millennium Develop-
                                                                  ment Goals (MDGs):
                                                                  1. ERADICATE extreme poverty and hunger.
                                                                  2. ACHIEVE universal primary education.
                                                                  3. PROMOTE gender equality and
                                                                  empower women.
                                                                  4. REDUCE child mortality.
                                                                  5. IMPROVE maternal health.
                                                                  6. COMBAT HIV and AIDS, malaria
                                                                  and other diseases.
                                                                  7. ENSURE environmental sustainability.
                                                                  TARGET: Integrate the principles of
                                                                  sustainable development into country
                                                                  policies and programs; reverse loss of
                                                                  environmental resources.
                                                                  8. DEVELOP a global partnership for
                                                                  Editor’s note: This feature is the seventh
                                                                  of an eight-part series on each of the MDGs.

per cent of the country’s animal herds. As a result, tens of
thousands of Mongolian herders, like Choijamts, are being
forced to migrate elsewhere.
   This migration trend is replicated around the world. Extreme
weather conditions, such as dzuds, floods and hurricanes, are
creating a new category of migrants known as “environmental
refugees.” By UN estimates, 25 million already fall under this
category. Environmental refugees now outnumber refugees
who are fleeing wars or political persecution.
   “We have now reached a critical stage in which global warm-
ing has already seriously impacted lives and health, and this
problem will pose an even greater threat to mankind in coming
decades if we fail to act now,” warns Dr. Shigeru Omi, World
Health Organization regional director for the Western Pacific.

SUMMER 2008                                                                                                  19
   Across the globe, examples abound.       ■ NEW LIFE
In East Africa, torrential rains along      Top: World Vision helped
the Zambezi River earlier this year left    this family build a ger, a
more than 92,000 people homeless.           traditional dwelling in
Last year in Bangladesh, severe flood-      Mongolia. Right: Chatra-
ing submerged two-thirds of the country     bal Choijamts (left) had
and displaced hundreds of thousands.        to move his family to Ulan
Nearly 450,000 people were left home-       Bator after they lost their
less last year by the worst floods to hit   herd to extreme weather.
Bolivia in 25 years.                        Opposite, bottom: Mon-
   The UN Development Program               golian green pastures are
reports that 98 per cent of the 262         rapidly turning to desert.
million people hit by disasters from
2000 to 2004 came from impover-
ished countries. The world’s poor often
occupy areas most at risk from climate
change, such as coastlines, flood plains         “WE HAVE NOW REACHED
and steep slopes. When you combine
this reality with rising sea levels and         A CRITICAL STAGE IN WHICH
the growing number and intensity of
storms, climate change threatens to               GLOBAL WARMING HAS
create new waves of environment-driv-
en migration in areas already suffering        ALREADY SERIOUSLY IMPACTED
from extreme poverty.
   “The issue of equity is crucial. Cli-            LIVES AND HEALTH.”
mate affects us all, but does not affect
us all equally,” UN Secretary-General
Ban Ki-moon told delegates at a climate                                   Goals (see MDG sidebar on page 19). Variations in rainfall
conference in Indonesia last December.                                    and extreme weather events will only place additional strains
“Those who are least able to cope are                                     on poorer countries already facing serious challenges due to
being hit hardest. Those who have done                                    food insecurity, indebtedness, HIV and AIDS, environmental
the least to cause the problem bear the                                   degradation and armed conflicts, he says. The target for MDG
gravest consequences.”                                                    seven, ensure environmental sustainability, is in jeopardy as
   Ki-moon also warns that changing                                       climate change negatively impacts the quality and productivity
weather and temperature patterns could                                    of natural resources and ecosystems, possibly irreversibly.
potentially undo much of the progress                                        “It will be far harder for many regions to grow food or raise
toward the Millennium Development                                         livestock,” says Otto Farkas, World Vision’s director of emergency

20   WO RLDV I S I O N.CA   childview                                                                                           SUMMER 2008

                       response. “Countering and coping with
                       the effects of climate change will require
                       outside-the-box thinking and a high
                       degree of collaboration between gov-
                       ernments, civil society and the private
                       sector. World Vision is actively working
                       with communities, governments, non-
                       governmental organizations and UN
                       agencies, as well as corporations to find
                       solutions and help facilitate adaptation
                       to a changing environment.”
                          Meanwhile, cities in developing coun-
                       tries are feeling the stress caused by the
                       influx of environmental refugees. “Many
                       cities are overwhelmed, incapable of
                       handling with any degree of effective-
                       ness the demands of a burgeoning num-
                       ber of people, many of whom take up
                       shelter in flimsy shanties,” says Dr. Tony
                       Oliver-Smith, a professor of anthropol-
                       ogy in Florida.
                          This includes Ulan Bator. “When my
                       family got to the city we had no home
                       or food,” says Choijamts. He sold every-
                       thing to pay for his family’s move to the
                       capital. When they arrived, World Vision
                       provided them with the materials to build
                       a ger, a traditional Mongolian dwelling
                       made from a circular wooden frame and
                       covered by wool felt. World Vision also
                       offered him skills training, and he has
                       since found odd jobs as a carpenter and
              QUOTES   repaired cars in town. With this income,
                       he keeps his family fed.
                          The number of environmental refu-
                       gees worldwide is only going to increase
                       in coming years. The UN predicts that
                       by 2010, their number could easily dou-
                       ble to 50 million. A recent study indi-
                       cates that Africa faces more devastating
                       droughts and 25 per cent less water by
                       the end of the century. Such water short-
                       ages could cause mass migrations. And
                       scientists predict the tiny Pacific island
                       nation of Tuvalu will be completely sub-
                       merged in less than 50 years as a result
                       of rising sea levels, leaving the popula-
                       tion of 11,000 homeless.
                          Choijamts peers out the small window
                       of his ger in Ulan Bator toward the open
                       plains where his family once thrived. He
                       wonders if he will ever be able to return to
                       pass on a lifetime of experiences as a herder
                       to his children. “What has happened here
                       is a disaster that has no end,” he says.          CV

SUMMER 2008                            childview   WO RLDVI SI O N .CA   21

                                          My Brother’s
                                                         Author Greg Paul discovers that
                                                         true compassion for the poor
                                                         begins when we view them as our
                                                         own flesh and blood

  it was after 10 p.m., when the doorbell      recently bumped into an old acquain-        relief from this guilt: “…and not to turn
  rang. When I heard it, I was clearing        tance—a man of significant ability and      away from your own flesh and blood.”
  up the last few details before leaving       accomplishment—who was now desti-           That’s how the prophet wraps up his
  my office at Sanctuary, a Christian          tute and living on the street. The assis-   call to social engagement.
  community that welcomes the poor in          tant wanted to help, but was afraid that       The relief comes in recognizing that,
  downtown Toronto and where I serve           giving the man money would only make        while few of us may be directly involved
  as the executive director and pastor.        his immediate problems worse. What,         in the grand enterprise of “loosing the
  Against my better judgment—I was             actually, could he do?                      chains of injustice” around the world,
  tired and had a friend waiting for a ride       As Canadians, who are among the          we are all able to engage our own
  home—I opened the door. My heart             most privileged people in the world,        “flesh and blood”—those who are close
  sank when I saw that it was Sheldon; it      we can find ourselves inundated with        enough to us that we realize, at a gut
  dropped a little farther when I smelled      other people’s needs. As followers of       level, that we belong to each other. In
  the mouthwash he’d been drinking             Jesus we know that the “fast” (religious    fact, such connections may even grant
  and saw that he was so drunk he could        observance) we are to practise should       immediacy to our efforts to help street
  barely stand.                                be to “loose the chains of injustice,”      children who are treated like vermin in
     Sheldon muttered that he had just                                                     South America, or children orphaned
  left the hospital. He was admitted there                                                 by AIDS in Africa.
  just five days earlier with pneumonia          One out of every                             The hook: having once recognized a
  and wasn’t supposed to leave. But on
  a whim he decided to get dressed and
                                                     six children                          brother in, perhaps, a homeless man,
                                                                                           it’s almost impossible to turn away
  just walk out.
     I wanted to ask him why he chose to
                                                is raised in poverty.                      with a clear conscience. That’s why the
                                                                                           Queen’s Park official wanted to help
                                                                                                                                             CO U RT ESY O F GR EG PAU L (T H IS PAG E) ; AND RE W G O O DWI N ( O PP OSI T E)
  leave late on a frigid winter night and                                                  that one man. And it’s why, finally, I
  why he had staggered halfway across                                                      bundled Sheldon into my car, drove him
  the downtown core to our front door.         “set the oppressed free,” “share your       to a shelter, and half carried him to the
  There was no point, though. He was           food with the hungry” and “provide          intake desk. Not because it’s my job, or
  barely coherent.                             the poor wanderer with shelter” (Isaiah     even because I feared that, otherwise, he
     I helped him through the front door       58:6-7, NIV).                               would freeze on the streets. But because
  and got him seated on a chair. He              I wonder, however, if the shameful        he’s a person, not a statistic, to me. Shel-
  asked if he could sleep at Sanctuary.        and oft-repeated fact that one out of       don, my brother.                             CV

  I told him, no, we don’t do hostelling       every six Canadian children is raised       Greg Paul is a member of the Sanctu-
  and that I was just about to leave.          in poverty has remained essentially         ary community in Toronto. He is also the
     My encounter with Sheldon reminded        unchanged for 20 years not because of       author of God in the Alley: Being and
  me of an incident that occurred earlier in   apathy per se, but because we hardly        Seeing Jesus in a Broken World (Shaw
  the week. On a visit to Queen’s Park, an     know where to start.                        Books, 2004).
  executive assistant of a prominent gov-        There is one phrase of Isaiah’s that
                                                                                               TO LEARN ABOUT WORLD VISION’S CANADIAN
  ernment figure approached me. He had         simultaneously hooks me and gives me            PROGRAMS, VISIT WORLDVISION.CA

  22   WO RLDV I S I O N.CA   childview                                                                                      SUMMER 2008
                                                               ONE CHILD’S VIEW

“I believe each child can contribute something,
 do something—not only for his or her family
        but for the environment as well.”
                              —Sheila Mae, 12

      Last year, sponsored child Sheila Mae helped plant mangroves trees and
 clear garbage from her village in central Philippines. With community members,
         she planted trees along the coast to protect the land from erosion.
 Make a difference.
     Change lives.
         Volunteer today.                        “Being a World Vision volunteer,
                                                     knowing that I am helping to
                                                  transform lives of impoverished
                                                      children around the world is
                                                        gratifying beyond words.”
                                                                        Cathy Gibbon,
                                                                 Life Change Network

           By volunteering you can:
           • go overseas
           • assist at events and
           • spread the word in your
           • inspire others to sponsor a child

Call 1-888-307-4641 or visit WorldVision.ca

                                                                      1 World Drive, Mississauga,
                                                                      Ontario L5T 2Y4


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