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Anna Bazier with her brother and kid outside Nalikondaponay school, Malawi.

Malawi - Female entrepreneurs.


Commissioned photo journey - Micro Loan Foundation UK.


Micro Loan Foundation organisation helps female entrepreneurs to succeed in their chosen business.

Businesses are usually very simply started, focus on the needs and of course what is available to sell in a certain environment.



There is a need to consider what we know about the different types and models of microfinance and whether or not they are work for whom and in what circumstances.
Microfinance works differently in different regions of the sub-Saharan Africa.
It depends on population density, attitudes to the debt, group -cohesion enterprise development, financial literacy and financial services.
There is an increasing need to understand the evidence from sub-Saharan Africa, where development aid is proportionally large, and where there are still majority non - profit service providers in the microfinance industry.

According to different studies on microfinance, group financing and borrowing works better than individual ones.

Its proven that individually given loans are often not paid back which led to increase of suicide, poverty and actually in this sense it can do more harm than benefit... especially talking about the poorest within uncontrolled circumstances.


In Malawi women choose their group members: it is strictly based on communal judgement and trustworthiness. - It has a from of democracy around it, which helps empowering the women in a society which is hugely male dominated.
The process is totally different as group loans are given, and not individual ones, which then increases the sense of shared responsibility along with the sense of group -cohesion and community gathering spirit as well.
These reflects a historical cultural identity which is deeply embedded in the African existence, (- and which historically done by dominantly by males) and mirrors the negotiating skills of communities historically.
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Village nearby Lilongwe, the houses are made of mud bricks. 

Most of Africa's rural peoples use natural materials that are locally available for 

their buildings.

 
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Anna Bazier

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Enala Banda (24) opened her fish and tomato stall a couple month ago. 

From the profit she was able to buy a field and grows maze on it, that provide food 3 times a day for the whole family.

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Mary Mwale in her shop. 

Since was able to open her shop she earns 1000 kwacha a week, which is 

10 times more than before. (6 pounds.)

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Women gathers in Galika village for their business training,

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Dorothy with her family outside her cottage.

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Dorothy's husband with their daughter.

In addition to Dorothy's sawing business he works on the family field and keeps 

pigs.

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Dorothy established a sawing business, From the profit she is able to pay the 

school fees for 3 of her children, provide food twice a day for the whole family.

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Child fell asleep on the doorstep of the kitchen of their family hut. 

Jimu sells scones to fund his studies.


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Jimu prepares scones as a core of her business.

Scones made out of maze and water.

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Rose Chiwa and her shop.

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Young boys relaxing on the field.

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Women gathers inside the house for a meeting with their loan officer.

Micro loan gives loan to a group of women whom then they establish individually 

the business they want to.

It is only women groups supported by Micro Loan. One loan cycle is 3-4 month. 

Within this time all the woman must expand their business and pay the borrowed money back to the group.


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Magret Butur with her children

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Eve Nkhoma

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Enala Banda (24) standing in her field where she grows maze.

Maze is a general source food for the whole family. Her field provides food 

throughout a year.

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Saraiphira outside of her cottage, Galika village.

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The hierarchy between the children defaults to the rule of the elder ones.

The role of elder ones are just as responsible than an working adult one.


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Patricia poses by her house.

Women gathers to have their group meeting with their loan 

officer.

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Saraiphira with her children in Galika village. 

She grows and sells vegetables. 

She saved enough money to buy her own transport - a bicycle.


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Father and son works on school uniforms, Nkhotakota village nearby Lake Malawi.

boy in school Malawi, Africa,
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Modester Piri at school. Her mother took some loan out to 

establish her fish business.

She usually sells campango - a fish similar to catfish.

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Malawi, Africa, school education,

To get basic education is one of the most important to have in Africa, 

Women entrepreneurs set their business up, in order to be 

able to afford school fees.

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Prima in her house. 

Furnitures and curtains are the sign of a wealthy person.

She has a motors and car parts shop. 

The business supports the whole family and provides education, food, and

clothing for her kids.

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School kids playing football.

Their ball is made used clothes stringed together.

Football is an important sport in Africa all loves and support their own team which usually an English one.


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Young woman dries cassava nearby her house Nkhotakota 

village.

It smells like goat cheese and just as sourceful  as maze.

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Farmer in Malawi,
Farmer with his cattle in Nkhotakota village school area.
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Patricia in her shop she sells cooking oil and tomatoes.

She supports 4 children from which one if her sister's orphan.



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Malawi, Africa, woman cooking,

Nkhotakota village cooking area, 

Woman prepares dinner for family of eight.

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Anna enjoys the incoming sun in her home. 

She set up a travelling lodge which has 24 rooms.

Her hair is finely cared for, which is a sign of a successful 

business woman.

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Old woman prepares "nsima" (cooked maze) on a tripod in her kitchen area.

Maze is one of the most resourceful food supply among 

Malawian people.

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A teenage girl offers her services on the beach at Nkhotakota.

Young girls are often forced to sell their body in exchange for 

food.

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Mufelepo's grandson sits next to his shoes he got from his grandmother.


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Fisherman at Nkhotakota bay. He works for Catherine who has an established fishing business.

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Woman on Malawi Beach on their way to collect the dried clothes that they washed in the lake a couple hours before. 

Clothes are dried usually on green plants or on the ground.


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