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“I do the cooking!” exclaimed Haytham Abu Ziad who owns and manages a pickle manufacturing unit along with his spouse in Sweileh, a bit of the Amman Governorate in Jordan. Haytham began a home-based enterprise and inside 3 years was capable of develop into a bigger pickle manufacturing unit – his enterprise is registered with the federal government and he’s liable for paying taxes. The manufacturing unit remains to be inside his residence however stationed in a big walk-in pantry.
As he walked us via his manufacturing unit, we have been uncovered to a colourful array of jarred produce prepared for distribution. Haytham and his spouse provide 5 star resorts with quite a lot of pickled meals objects together with olives, peppers and eggplant, amongst different objects. Haytham doesn’t at present provide to grocery shops as a result of they require a bigger quantity. All of his produce is domestically grown – particularly from a metropolis exterior of Amman.
Haytham is a consumer of Microfund for Girls and is served by the Sweileh department which presents loans from $1,000 to $30,000 (800 JOD to 25,000 JOD). The portfolio in danger* on the department is below 2% which be attributed to the department give attention to consumer compensation capability in addition to a settlement coverage that features reminders to purchasers 2 days earlier than compensation. An MFW consumer for two years, Haytham acquired his first mortgage of $2,835 (2,000 JOD) and a second mortgage for a similar quantity. It was attention-grabbing to go to a male consumer since Sweileh serves 97% ladies purchasers and has 75% ladies employees. I consider it proves Girls’s World Banking’s perception that designing monetary merchandise for ladies advantages males as properly. As our President and CEO Mary Ellen Iskenderian likes to say, “in case you design a product for a girl, it can discover a male market”.
Probably the most highly effective moments of the transient interplay for me was observing that Hyatham doesn’t ascribe to conventional gender roles, opposite to what I anticipated. We have been within the Center East in spite of everything, the place customs round gender stay robust. In keeping with Girls’s World Banking’s personal gender analysis in Jordan, whereas there was an extension of girls’s roles as monetary suppliers, they nonetheless play the first position of caregiver and homemaker. Haytham does all the cooking for the enterprise exterior of his home – he additionally fortunately added that past cooking for enterprise functions “in my home, I prepare dinner for my spouse.”
As enterprise companions, his spouse takes accountability for the “ornament” or packaging of the objects. Haytham’s daughter additionally assists with the enterprise when she shouldn’t be at school. Haytham, a former trainer and electrical engineer in Libya, enjoys and finds nice delight in his enterprise. He spoke to the profitability of this line of labor, noting that one kilo of eggplant turns into two kilos as soon as pickled.
On the finish of the go to Haytham supplied the visiting group a tasted of his array of pickled produce. When requested which one tastes one of the best, he proudly replied “all the pieces is finest!”
*Portfolio in danger or PAR is the portion of a financial institution’s mortgage portfolio which is deemed susceptible to write-off as a result of funds are overdue.
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