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International

8601 Georgia Avenue, Suite 800 Silver Spring, MD 20910 USA Tel (301) 587-4700 Fax (301) 587-7315 [email protected] www.chfhq.org

2001 PROGRAM REPORT

BUILDING A BETTER WORLD International E THIS REPORT WAS PRINTED ON RECYCLED PAPER USING ALL-NATURAL SOY INKS backside 4/5/02 2:54 PM Page 1

BOARD OF TRUSTEES 2001

OFFICERS TRUSTEES

Chair Caroline E. Blakely, Esq. Gordon E. Lindquist Ronald Stegall Gordon Cavanaugh, Esq. Vice President President & CEO (retired) Executive Director Of Counsel Multi-Family Mutual Service Insurance American Consortium for Reno & Cavanaugh, PLLC Fannie Mae Companies Central Russian Development Vice Chair Samuel E. Bunker Moisés Loza Don H. McCreary President Executive Director Wallace P. Warfield, Ph.D. President and CEO Philippine American Housing Assistance Council Professor California Community Foundation Institute for Conflict Analysis Housing Management Jane Madden and Resolution Services Carl A.S. Coan, Jr., Esq. Education Specialist George Mason University Partner The World Bank President and CEO Coan & Lyons Thomas W. White Michael E. Doyle Mary E. Paumen Former Senior Vice CHF International Kari Davidson Director, Housing Authority President, Fannie Mae Consultant Resource Center Executive Officer, Sea Secretary Local Initiatives Support Change Foundation Mary K. Nenno Ricardo Díaz Corporation Independent Researcher on Management Consultant Roger Williams Housing and Urban Charles E. Snyder, Vice President Development Robert Halligan President and CEO Community Based Lending Management Consultant National Cooperative Bank Fannie Mae Treasurer Chris Sale Dr. James W. Hughes The Honorable Sunia Zaterman Chief Financial Officer Dean, Edward J. Bloustein Walter E. Stadtler Executive Director Federal Deposit Insurance School of Former Ambassador to the Council of Large Public Corporation Planning and Public Policy Republic of Benin; Housing Authorities Rutgers University Chairman, Geo Data Systems, Inc. David H. Kirkpatrick, Esq. Center for Community Learning

CONTENTS LETTER FROM THE CHAIRMAN 1 MESSAGE FROM THE PRESIDENT 3 THE ROAD AHEAD 4 WHERE WE WORK 6 ENCOURAGING STABLE SOCIETIES 8 ADVANCING THE ISSUES 22 PARTNERS & SUPPORTERS OF CHF’S WORK 27 CHF EMPLOYEE LIST 32 IN MEMORIAM 39

ON THE COVER A woman in the community of Lahmonata Mahalla,Uzbekistan, signs a project request to work with CHF International. chf annual 17_r 4/5/02 2:24 PM Page 1

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LETTER FROM THE CHAIRMAN CHF International arrives at its golden jubilee a seasoned international aid organization. We now serve low-income persons in thirty-five countries with resources of $150 million. Our focus is on those in poverty, on households battered by natural disasters, and on families whose lives have been devastated by war.

Ten years ago, our annual level of grants received was approximately $4 million; in the just-concluded 2000/2001 program year, CHF received approximately $85 million.We are understandably proud of our growth, while we remain troubled by the pervasive human mis- eries at which these expanded resources are aimed.

The trustees of CHF greatly admire the extraordinary leadership of our president, Michael Doyle, the exceptional contributions of our vice-president, Dr. Judith Hermanson, and the talent, dedication, and productivity of our highly-regarded staff worldwide. In the often embattled or otherwise hazardous places where CHF works, our leaders, our workers, and

GORDON CAVANAUGH their families show constant courage. Chairman Board of Trustees The United States Agency for International Development (USAID) has been the major provider of the foreign assistance that CHF administers and we are grateful to it. CHF has also drawn support from the Ford Foundation and the MacArthur Foundation and recently from a record number of international and domestic benefactors.While the dollar level of support from these organizations is not as substantial as our USAID support, we are very thankful to these partners and hope for even greater involvement with them in the coming years.We look to broaden our base and trust that the successes reported in this document will persuade them and others to help us do more of this crucial work.

The CHF “formula” fits worldwide, whether our project is regional economic development, microfinance, improved shelter, or healthier environments.We seek out or help to create non- governmental groups to do what needs to be done.We guide them in democratic and cooper- ative efforts that yield tangible improvements to the lives and to the economic well-being of people desperately in need of assistance. Responsible use of credit is an underlying lesson. Notwithstanding that CHF borrowers are among the world’s poorest people, often beset by natural disasters or political upheaval, our worldwide repayment rate is 97%.

As you read through this report, I hope you will be struck by CHF’s role as a peacekeeper and as a proactive seeker of more civil societies in some of the globe’s most beleaguered areas. In media coverage of the pursuit of the villains of the World Trade Center catastrophe, the backdrop scenes make vivid the unspeakable destitution that exists in the regions where terrorism thrives. It is not to suggest that fanatics can be converted by programs such as those of CHF, but the sights of such dreadful poverty among the innocents of the world, it is to be hoped, will bestir our national leaders to a more ambitious sharing of our wealth and know-how among poor families to give them more hope in the future. Do our fellow citi- zens realize the United States contributes poorly to foreign assistance for the world’s needy—about one-half percent of our annual budget, the lowest percentage of its economy of the twenty-two nations that comprise the Organization for Economic Cooperation and Development and the third from the lowest of those nations on a per capita basis? chf annual 17_r 4/5/02 2:24 PM Page 2

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LETTER FROM THE CHAIRMAN (Continued)

The chairman of the Congressional committee that appropriates foreign assistance, Senator Patrick Leahy of Vermont, recently stated apropos of this year’s funding that:

“The world is on fire in too many places to count, and at most of those flash points poverty, and the injustice that perpetuates it, are at the root of the instability…The amount we give is a pit- tance, when considered in terms of our wealth and the seriousness of the threats that we face, [and] amounts to less than $40 for each American each year. It is embarrassing.”

Our Secretary of State, Colin Powell, was recently quoted in a similar vein: “I think it is not right that a nation of our wealth should not spend more in helping the rest of the world... We could do a lot more, and we should be doing a lot more…”

I believe this program report demonstrates a unique, and successful, American way to address poverty. It is to be hoped that the ability of CHF and of other aid organizations to broaden their work will be forthcoming.

Thank you for your interest in our work.

January 2002

$60,285,533.52IN THE PAST 10 YEARS ALONE value of loans made chf annual 17_r 4/5/02 2:24 PM Page 3

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MESSAGE FROM THE PRESIDENT Arriving in Beirut, Lebanon, on September 11, 2001, I was greeted by the news of the terrorist attacks in the US. In the days immediately following, I was moved by the numerous expressions of sympathy I received, personally, from people I met throughout Lebanon and in writing from many others around the world.

Especially touching were the kind words sent from countries where people have lived for years with the daily threat of violence, places like Croatia, Colombia, Kosovo, and the Middle East.

CHF does not profess to have a system for preventing large-scale attacks like those on New York and Washington that terrible day. However, conflict and terrorism are facts of life in many of the countries where we work. As a result, CHF has developed a methodology for “mentored participation” as a means of preventing or managing conflicts that have made it difficult for people to improve their living conditions. Our programs work to erase past MICHAEL E. DOYLE differences by providing a way for individuals and organizations from various sectors of the President and CEO local society to work together to identify and achieve shared goals.These programs establish democratic, transparent systems that become the models for future interaction.The success of this strategy in stabilizing and improving communities and institutions in transitional and developing countries is evident in some of the programs outlined in this report.

As we kick off the celebration of CHF’s 50th anniversary in 2002, the world—as seen through American eyes, at least—appears increasingly turbulent and fragile;Americans have joined the rest of the world. It is reassuring to know that CHF’s work is helping to stabilize communities and make a positive difference in the lives and livelihoods of many people. It is clear, as we look ahead to our next 50 years, that our crucial work, and the dedicated people who carry it out, will be more important than ever.

This special anniversary for CHF coincides with the retirement of Gordon Cavanaugh as Chairman of the Board of Trustees. I would like to express my appreciation to Gordon for having served the organization so well, through his dedicated leadership over the past two decades. Don H. McCreary, CEO of a leading organization for affordable housing in California, was unanimously elected in January to succeed Gordon as Chairman. Mac has demonstrated his commitment to our staff and programs in many ways since joining the Board of Trustees in 1983, and has traveled with the Board to many countries where CHF works. With renewed commitment and under this new leadership, we look forward to the challenges and achievements of the next half-century. 2,187,058IN THE PAST 10 YEARS ALONE women directly assisted chf annual 17_r 4/5/02 2:25 PM Page 4

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THE ROAD AHEAD This is a momentous time for the world community. The events of September 11 have shaken the Western world. As we ponder the longer-term implications of those events, it is hard to escape the sense that the world, and each one of us in that world, is at a crossroads.

What we may have thought we knew about global safety and security, about global peace and prosperity, we did not know.As the international coalition has moved into Afghanistan, the events of September 11 have unveiled to international scrutiny, in a way I would not have thought possible, the insular, powerless and poverty- stricken conditions that corrode world stability at its foundations.These are condi- tions that CHF International knows all too well.They exist to some degree in all corners of our world.

Insularity, powerlessness, and poverty do not in themselves lead to atrocities.That is too

JUDITH A. HERMANSON, PH.D. simplistic. However, they are potent components of any formula for extreme political Vice President and fanatical action. If left to react, untended, this formula can produce disaster. CHF has demonstrated through our programs that there are many ways to alter the formula.

In this Building a Better World, we tell the story of CHF’s work in difficult circumstances around the world.To name a few, these include:

• Reconstruction of housing and community facilities in El Salvador following devastating earthquakes; • “Micro-credit” for the entrepreneurial poor in Lebanon, following years of debilitating civil war; • Local economic development initiatives and housing construction for previously dis- enfranchised people in South Africa, following the oppression of apartheid and the HIV/AIDS pandemic; • Community infrastructure and facility construction in underserved communities in Serbia, following protracted conflict in the context of continuing mutual ethnic distrust; and • Social investment and community planning in conflict-affected areas of Azerbaijan.

These programs combine sound economic practices, community participation and men- tored priority setting, near term results for long term gains, and shared benefits through equitable cooperation. CHF ensures communities have these essential catalysts which turn insularity into hope; powerlessness into self-determination; and poverty into eco- nomic opportunity.

We show in the pages of this 50th Anniversary edition of Building a BetterWorld that when these elements are present, the result is vitality, self-reliance and tolerance that points the way to pluralism.The validation of CHF’s approach is the creation of wealth, a deepened sense of dignity, and a burgeoning cadre of citizens with a stake in the global community of nations. chf annual 17_r 4/5/02 2:25 PM Page 5

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“What we call the beginning is often the end.And to make an end is to make a beginning.The end is where we start from.”

—T.S. Eliot, “Little Gidding”

LOOKING BACK, LOOKING FORWARD Over the 50 years of CHF’s history, much has changed diverse settings paradoxically reaffirm the vision of a better and much has remained the same. We have expanded world that has guided CHF since its inception. our scope well beyond the original purpose of providing In the last decade, we have greatly expanded CHF’s capabil- homeownership opportunities to poor people. And yet, ity and program reach. We have actively learned from our I am struck by the consistency of values even as we have work with communities, always understanding that innova- expanded in scope. tion and improvement are possible. We have introduced The United Nations included CHF on its “Scroll of Honour” rigor to our methodologies without stifling creativity. We in the early 1990’s, commending us for our “people-cen- have sought to foster excellence.We have been able to build tered” approach to development.This approach had been a world class, highly professional staff, with credentials from central in 1952, when our founders recognized that the some of the finest institutions in the world, drawn from all path to homeownership in the United States importantly corners of the world. We have developed methodologies, included the elements of good citizenship—openness and which stay true to CHF’s core values but allow programs to transparency, fiscal responsibility, continuing education, be carried out at greater scale. And we have made it possi- democratic governance, and participation in the greater life ble for many thousands of families around the world to reap of the community.This approach remains central now, 50 the benefits of a better and more prosperous life. years later, as CHF International works in communities I am proud of what we have been able to accomplish. around the world to meet the challenges posed by global Nonetheless, the conditions that corrode world stability and poverty, complex emergencies and humanitarian crises, threaten to corrode the human spirit are everywhere that social and economic disparities caused by conflict or politi- CHF works.Thus, in the aftermath of September 11 and in cal transition, and environmental degradation. this our 50th Anniversary year, CHF International is renew- CHF’s core value—the same today as it was 50 years ago—is ing its commitment to helping eliminate these conditions. belief in the goodness and power of the human spirit. From We will carry out this commitment by providing people the the beginning, CHF has always understood that it is the peo- chance to look with greater confidence to the longer term ple themselves who bring about positive change in their own and by opening paths to hope, self-governance, and eco- lives.We have always understood that our role is to help them nomic opportunity.We will continue to invest in people so acquire the necessary skills and resources, to challenge them that they can invest in themselves and in their own futures. and to encourage them, to teach them new ways of looking at I am looking forward to the challenges that lie ahead for old problems, and to foster in them a belief in their own abil- CHF International in the next decade and beyond.The chal- ities to make a difference. lenges are not to be underestimated, but I believe that the On CHF’s 50th Anniversary, I am celebrating also an anniver- Goliath of fanaticism and hate can be overcome. I believe sary of my own: 10 years in which I have been privileged to that 50 years hence CHF International will be celebrating work with President Michael Doyle and our Board of Trustees 100 years of building a better world with programs I can- to lead CHF International through the last years of the 20th not now imagine but which embody that same belief in the century and into the 21st. Even as it has been a time of change power and goodness of the human spirit which has informed and growth for CHF, today’s wide range of programs in our work since our founding. chf annual 17_r 4/5/02 2:25 PM Page 6

INITIATIVES 1952-2002 chf annual 17_r 4/5/02 2:25 PM Page 7

Since 1952, we have helped to build stronger communities in more than 100 countries around the world

FY 2001

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ENCOURAGING STABLE SOCIETIES CHF’s approach to development starts at the grassroots. Wherever possible, we work with communities to address not only symptoms, but also root causes of social problems.

ADDRESSING ROOT CAUSES All of CHF’s work takes place within a complex geo- Fifty years of experience in working with cooperatives at political context over which we (and others) have little the grassroots level shows that success is possible.While control.We acknowledge that fact. Nonetheless, CHF conflict is often inevitable, violent conflict is not. Groups and our local partners directly manage programs intended with ostensible differences (ethnic, political, religious, to prevent, manage, mitigate, and, sometimes, resolve con- ideological) can tolerate and cooperate with one another, flict.We do not profess our work to be a panacea, but CHF provided they have a mutual self-interest. CHF promotes helps provide ways for individuals in communities to lasting peace in post-conflict societies through mutually advance their claims in fair, inclusive ways and to develop beneficial projects, such as infrastructure and business pluralistic, democratically-based processes. development.These activities give individuals with differ- ing ideological viewpoints a reason to work together. TRANSFERRING CONFLICT MANAGEMENT SKILLS Activities centered on democratic, transparent processes When community members lack influence, access, and are designed to promote open discussion of the issues and involvement in their own governance, they are deprived of treat participants with fairness. a system that serves as a buffer against violent disruption. When people are isolated from a decision-making process, CHF’s business development services, offered in areas the situation can easily escalate into violent civil conflicts or of former civil conflict, have helped alleviate the pover- full-fledged war. CHF develops management skills and ty of countless families, while stimulating the growth of political skills to help groups of people—associations, the overall local economy. In the autonomous province cooperatives, and other organizations—influence important of kosovo, this has meant business consulting to revital- political decisions that affect them.We offer leadership ize the construction industry. The area’s economy had training at all levels. ground to a halt following the 1999 Balkans conflict. This year, CHF trained 140 entrepreneurs in advanced

IN THE PAST 10 YEARS ALONE business and financial planning, tailored to local con- ditions. Forty-seven businesses have been assisted in 6,928,356 analyzing their products and services. Results include nearly 2,000 person-months of new jobs created.Within direct a complex socio-economic environment, we have also created strategic vertical and horizontal linkages with beneficiaries other programs and business associations to enhance the business climate. chf annual 17_r 4/5/02 2:25 PM Page 9

TRANSITIONING COMMUNITY in Azerbaijan Social investment and community planning in conflict-affected areas chf annual 17_r 4/5/02 2:25 PM Page 10

AZERBAIJAN lost almost 20% CHF community development of its territory in a conflict that programs in the region. began in 1988 with its neighbor Asking conflict-affected Armenia. Approximately 750,000 populations to pay for such people were forced to move from services is a revolutionary their homes. Since the cease-fire concept. The fees help to was declared eight years ago, ensure that clients value many of these people—mostly the service and they have women and children—have encouraged entrepreneurs continued to live in camps as to contribute to their own refugees or IDPs. The economy development and are an has been hurt by the instability, important step away from the and the promise of wealth from prevalent relief assistance Azerbaijan’s petroleum resources towards true sustainable has not been realized in daily life. development. To combat the demoralizing hopelessness of the poor In working with CHF to diversify economic and social situation, her clientele, Svetlana has CHF offers business development Svetlana and her daughter Vusala, become quite a successful services, industry training entrepreneurs in Azerbaijan. businesswoman—selling over $600 sessions and one-on-one worth of carpets. She has tapped consulting to entrepreneurs. One new markets through partnerships participant, Svetlana Aliyeva, a with vendors that sell her carpets carpet weaver, has been working for her and has participated in with CHF to expand her business. a regional CHF trade fair.

In 1993, an Armenian invasion Just as Svetlana weaves beautiful forced the Aliyeva family and all carpets, she has woven inhabitants of Fizuli to flee their exceptional plans for her business homes in southern Azerbaijan. and family’s future. She plans Svetlana had been at home baking to teach a group of five women, bread, and she, like other including her 19-year old daughter displaced Azeris, was forced to Vusala, how to start their own leave without pausing to grab any carpet-weaving businesses. She provisions. Svetlana and her is working with CHF to put this family fled to Beylagan where they plan into action by taking part in stayed three months until their CHF’s association development village was liberated. When they module. CHF has helped Svetlana returned, only the bare structure select the group of young woman of their home remained—the rest that will learn, under her had been destroyed. guidance, to carry on the dreams and development she has made Faced with no possible sources possible in her own life, and to of income, Svetlana resorted carry on the rich tradition of to weaving carpets, an art weaving in Azerbaijan. that she had learned from her grandmother. Recipes for dyeing wool from plants had been passed through her family, as had traditional rare carpet designs, such as the “zali” and “varni.”

Svetlana, a mother of six, started her carpet weaving business from scratch. Her husband assisted in building a loom, and she slowly acquired the necessary materials. She attended CHF’s training sessions on business development and gender and leadership. She also paid for individual training in marketing plans and record keeping. Svetlana’s fees (the nominal US $1.10 per session) are re-invested to expand the breadth and reach of the chf annual 17_r 4/5/02 2:25 PM Page 11

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1 In South Africa, a water conservation awareness project in 42 schools reached 10,000 people. 2 In Kosovo, CHF provided marketing services to the construction industry to jump start the economy.

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In azerbaijan,families forced to relocate to shelters and ernment-run systems work with private, non-govern- refugee camps have sought economic opportunity in their mental associations. At the end of the fiscal year, more new surroundings. CHF works directly with farmers and than 3,490 small and medium size businesses had joined local business people to transfer business management and 25 associations. CHF has helped create 3,200 jobs over organizational skills that are tailored to the local context. the last three years. Within a year, CHF created or assisted 159 businesses, our work resulting in nearly 1,000 full and part-time jobs. An Following the oppressive forces of apartheid, CHF focused equally important result, CHF has introduced stable eco- on ensuring that poor black families in south africa were nomic development through concepts—such as fee for able to access housing subsidies promised by the new gov- service—that were previously thought not possible amongst ernment, and on forming community housing associations to displaced and conflict-affected populations. (See opposite give community members a voice. CHF helped organize page for more information). four democratically managed homeowner associations and trained executive boards. CHF has assisted over 1,000 In romania, which has faced a long and difficult transition low-income families to build new homes and become home- to a market economy, CHF works with community asso- owners for the first time. In accordance with our ethos of ciations to devise regional and county-wide economic providing more than just “housing,” CHF has implemented development strategies. CHF’s local partners implement water conservation programs in schools in partnership with microfinance activities to increase access to credit for the country’s Department of Water Affairs and Forestry, and members of homeowner and business associations. In this tree-plantings in partnership with Trees for Africa. Today, case, the credit component is a tool for the civil society Isandla, a legally registered South African organization that development that comes when citizens of formerly gov- CHF helped form, continues building houses for hundreds on the Eastern Cape.

IN THE PAST 10 YEARS ALONE CHF’s most recent development program in south africa 11,530,562 offers entrepreneurship and business development training for residents of the township Motherwell. Activities include indirect skills training, job referral, and credit.These leadership and financial services could be expanded to additional townships beneficiaries in the future.All of our work here has been with an eye toward positive economic change and hope for the future. chf annual 17_r 4/5/02 2:25 PM Page 12

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1 Rural economic development in Lebanon. 2 Member based lending to enterprises in Romania.

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FACILITATING DECISION-MAKING CHF’s mission is to serve all people in the interest of cre- buildings, reforested areas, built new roads, and expanded ating peaceful, democratic communities worldwide. After economic opportunity for over 300,000 residents. (See page complex emergencies, CHF strives to rebuild communities 25 for information on CHF’s original “cluster approach.”) by rapidly reconstructing the physical infrastructure while establishing a democratic forum where people with differ- Urban areas of west bank and gaza,ravaged by decades ent points of view (sometimes people on opposite sides of of unrest, suffer problems of over-crowding, high unem- a conflict) can work together on projects that complement ployment and neglect. Rural areas also suffer from high each person’s interests. CHF provides technical assistance unemployment, plus water shortages and the absence of to achieve rapid results, knowing that visible improvements basic infrastructure like paved roads, schools, and electric- can improve the stability of a community, helping to man- ity. In both places, CHF works with residents to prioritize age future conflicts. their development needs. In Gaza City, CHF created an environmental improvement program to clean up empty CHF works in over 100 communities in serbia,Federal lots, beaches, and roads that had become breeding grounds Republic of Yugoslavia. In an effort to demonstrate to local for rodents and other disease-carrying vermin.The pro- communities and governments the real benefits of partici- gram has employed over 200 workers—improving the pation and democratic action, and break the barrier of environment while creating jobs.A community rural services stagnation due to a decade of instability, CHF guided 60 program in southern gaza has completed over 80 infra- communities to initiate over 60 projects in the first 90 days structure projects such as roads, schools, and community of the program.This success created confidence in civic centers. CHF always consults local leaders, women’s groups, participation and had an immediate impact in neglected NGOs, and government officials before proceeding areas of serbia. In the past, such effective, rapid initiatives with these projects, to ensure success. have made a positive impact on the vitality of a program’s next steps. All of these programs in leadership and infrastructure development show how CHF is indeed turning insularity CHF’s rural infrastructure development has included posi- into hope, and powerlessness into self-determination. CHF tive change in 78 villages of lebanon, where the population promotes longevity of projects by leveraging time, land, is recovering from decades of civil war. CHF has grouped the and/or money from the communities. populations into eight clusters that encourage opposition lead- ers to work together for their mutual benefit. Participants have installed regional irrigation systems, improved school chf annual 17_r 4/5/02 2:26 PM Page 13

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REDUCING POVERTY While we understand that lasting development solutions illuminate ways in which CHF creates economic oppor- are not determined by economics alone, underlying much tunities for the working poor. of our work is the problematic fact that impoverished fam- ilies lack access to financial tools.Without some type MICROENTERPRISE DEVELOPMENT of intervention, the prospects for their future are grim. Three years ago, most bankers in the Middle East did not Low-income families face many disadvantages to creating a provide loans to the working poor. Now, seven banks have better life for themselves.They frequently lack access to created new loan products serving more than 11,000 low- support systems like easy transportation, formal banking, income families and entrepreneurs. Repayment rates are an good health care, and safe homes. Over half the world’s excellent 97% or better.This is a prime example of the way population lives on less than $2 a day, while gaps between that CHF has helped low-income individuals access financial the rich and poor continue to grow. In a growing number resources previously unavailable to them. During that three- of extreme cases, families are forced to leave their homes year period, CHF served as a catalyst to stimulate rapid and social network because of conflict or watch their only change in the banking sector.Through meetings with bank- possessions be destroyed by hurricanes, earthquakes, and ing leaders, a regional conference, and the right support, we floods.The poor are the most vulnerable in these times, were able to convince lenders that lending to “high risk” bor- and women are the most vulnerable of the poor. CHF rowers is not only important.We then showed them that it considers poverty reduction a primary goal of all our pro- makes good business sense. grams, but has designated specific lending mechanisms targeted to help the poor. Diverse credit programs jordan is burdened with the ongoing economic problems of debt, poverty, and unemployment. CHF partners with IN THE PAST 10 YEARS ALONE four banks to provide loans to low-income entrepreneurs, many of whom are women. CHF has introduced the banks to 46,379 loans this new market by identifying, screening, and assisting disbursed to clients, who then borrow directly from the banks. At the end of the fiscal year, the program had lent $7.8 mil- “high risk” lion to 10,208 groups and 1,320 individuals. Over $1.4 was contributed to the program by partner banks. It is CHF’s borrowers goal that local banks will recognize the enormous potential of small and micro entrepreneurs, and continue to extend chf annual 17_r 4/5/02 2:26 PM Page 14

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“Given the right tools and opportunities, people will seek to improve their own circumstances.”

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services to these clients after CHF completes its initial housing approaches. Relatively small, short-term loans for objectives. CHF has similar goals and partnerships in home improvement proved to be the best way to make the lebanon.Tailoring the program to local needs, CHF is most of available financial resources. working to create financially sustainable organizations to carry on program activities. Today, many microlending institutions are interested in the microfinance of housing, and the number offering it is Lending programs can take many shapes. Examples are the growing. CHF sets itself apart by the training and technical difference between the village banking offered in guatemala assistance offered to clients.We also have found that self-help and the small and medium enterprise loans given in romania. labor often adds value to the home.Transferring skills to help The village banking system allows small communities to set address local needs is a priority of all CHF programs. In this up, own, and manage their own banks. Over the last seven case, we are transferring permanent construction and/or years, CHF has helped create 30 village banks with a total of credit management skills to the homeowner. 794 members in guatemala.Together they have a loan portfolio of $87,084. (For information on our environmen- In mexico and in gaza, our home improvement lending pro- tal initiatives in guatemala, see page 17.) In romania, the grams exemplify this process.Through incremental lending, focus is on civic development and member-based lending we have made nearly 3,000 loans to workers in Ciudad through intermediary organizations. CHF has dedicated Juárez alone, with a 98% repayment rate.Along the border, more than $7.5 million in development assistance to area 340,000 housing units are needed.Thousands of families “get organizations and in local economic development efforts by”with sub-standard living conditions, residing in shelters through direct infusion of capital and technical assistance pieced together from cardboard, wooden pallets, plastic and activities. No matter their form, CHF’s credit programs old tires. In an original program, CHF generated a Maquila let people invest in their own future. Revolving Loan Fund which uses capital and grants from private corporations working along the US/Mexico border MICROFINANCE OF HOUSING to meet housing needs. CHF will open a second office in CHF pioneered the microfinance of housing in the early Nuevo Laredo in 2002, thanks in part to a loan from the 1980s and has designed and implemented home improve- Overseas Private Investment Corporation (OPIC). ment lending programs in Asia, the Caribbean, Eastern Europe, Latin America, and the Middle East. CHF’s use of In the gaza strip, CHF has been providing home improve- microfinance to address the need for affordable housing grew ment loans since 1995.The self-sufficient program has out of its search for alternatives to traditional supply-driven provided home improvement loans worth $14 million to chf annual 17_r 4/5/02 2:26 PM Page 15

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1 3,000 microenterprise loans reached 16,000 beneficiaries in Lebanon during fiscal year 2001. 2 700 housing microfinance loans this year in Ciudad Juárez, Mexico, improved living conditions for more than 15,000 people.

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more than 3,500 low-income, working class families in For the United Nations Development Programme (UNDP), gaza, who live in the poorest and most crowded areas. CHF evaluated a housing loan program for low-income CHF provides training at all levels of the program, and residents of Addis Ababa, ethiopia.The project was designed advises partner banks in the areas of management infor- to alleviate the housing shortage for the urban poor. It created mation systems and marketing campaigns. 1,500 affordable housing sites serviced with roads, sidewalks, water and electricity, through a revolving loan fund. CHF In honduras, where urban families frequently lack the evaluated the viability of the loan fund’s design, efficiency means to hook up to sewage lines, forcing them to use out- and sustainability. houses or open streets, CHF carries out a lending program for sanitation needs through three local governments.This IN THE PAST 10 YEARS ALONE integrated project helps low-income families obtain credit to build appropriate sanitation facilities to connect with $166,903,714 municipal sewer systems.The project provides health and sanitation education to all clients and their families, and us dollars also strengthens the capacity of municipalities to provide lending services. leveraged CHF offers its microfinance expertise to assist other devel- opment organizations as well. This year, CHF helped the & mobilized World Bank review the housing finance situation for low- income households in indonesia, which is transitioning to a popularly elected government following four decades of The work of CHF is to enhance opportunities for people authoritarianism. indonesia also faces severe economic striving to improve their own destiny, often under seem- problems and is undergoing banking sector reforms. CHF ingly impossible conditions. Given the right tools and provided market research on potential demand for com- opportunities, people will seek to improve their own cir- munity development finance institutions such as credit cumstances. We are helping people access the necessary unions, microfinance institutions, and cooperatives.This resources to improve their own incomes and lifestyles. will help the Ministry of Settlements and Regional Infra- In today’s world, that means a better quality of life—healthier structure to elaborate its policy and strategy for developing and more environmentally and economically sound— housing settlements. for all of us. chf annual 17_r 4/5/02 2:26 PM Page 16

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1 Following hurricanes Mitch and Georges, CHF immediately helped families built thousands of emergency temporary shelters and hundreds of latrines. 2 Close to 9,000 new or improved permanent houses now dot landscapes throughout Central America.

1 2 GOING BEYOND HUMANITARIAN AID CHF, interested in promoting positive change at the vision of education and health facilities. CHF emphasized— community level for 50 years, has become increasingly alongside reconstruction—the need to learn about mitigat- concerned about the root causes of conflict and disasters. ing future risk. The number of complex humanitarian emergencies around the globe has multiplied over the past decade. During this In el salvador, our programs sparked a high degree of period, the development community has garnered substan- enthusiasm for disaster mitigation and preparedness learning. tial information about the systemic causes of civil conflicts, Repeated dengue fever outbreaks, floods, and earthquakes political violence, and terrorism.We know we can influence have demanded that we document our successes and build positive change. Early in 2001, CHF formed a new Office our capacity to deal with such occurrences in the future. of Emergency Management specifically to deal with these By 2001, we had trained 3,000 people in 120 communities in complex issues. Our response is multi-faceted, but one of disaster prevention and management, while overseeing proj- our primary objectives is to help people take control of their ects that have reconstructed the physical landscape: own lives as early in the development process as possible, 500 permanent houses, 80 schools, 50 small infrastructure to reduce dependency on outside assistance. projects, 2,640 reforested or cultivated hectares of land.

NATURAL DISASTERS In response to the deadly earthquakes in January and February Humanitarian aid following conflict and critical emergencies 2001 in el salvador, CHF helped bring water, housing, med- dramatically affects the future development of a community. ical shelters, to thousands of people most in need. Even in this CHF relief programs are designed to provide immediate assistance while influencing lasting positive change.

IN THE PAST 10 YEARS ALONE Hurricane/Tropical Storm Mitch was arguably the worst storm of the last century. Much of Central America was 94,670 devastated by floods, if not by the brunt of the storm.The most vulnerable to the flooding were the poorest families, homes whose makeshift shelters were washed away. CHF followed a comprehensive approach that involved communities in built or reconstruction planning and considered local economic situ- ations.We passed on to our partners technical skills in the improved areas of risk mitigation, environmental protection, and pro- chf annual 17_r 4/5/02 2:26 PM Page 17

TRANSITIONING COMMUNITY in Guatemala Speeding the reconciliation process following the chaos of war chf annual 17_r 4/5/02 2:26 PM Page 18

CHF’s efforts in GUATEMALA system Taungya, he planted trees serve as examples of how among a half hectare of corn, reconciliation and rebuilding chili peppers and squash. This can have a long-lasting effect on diversification and the application the stability of a region, and that of the agroforestry system certainly affect the self-reliance increased his productivity and and dignity of program resulted in an income of Q. 5,000 participants. CHF has sponsored (approximately US$715). Using business and environmental part of this income, he invested programs, provided credit support in an additional plot of land. for women’s communal banking, Don Pablo purchased the land and created the Ixcán Road cheaply because the topsoil had Maintenance Association. With been depleted of nutrients from CHF’s assistance, members of over-farming. The first year, all political, ethnic, and social it produced only seven bags of groups have come together, corn, of one hundred pounds working under democratic each—an extremely low amount. methods, to build roads, bridges, The next year, don Pablo again health posts, schools, water applied what he had learned from systems, latrines, and community the CHF Agroforestry promoter. centers. Working with 15 He planted 3,000 meters of “live indigenous groups that had been fence” and 0.7 hectares of trees, divided by 36 years of conflict, both of which enrich the soil with CHF has seen the area that was nitrogen. Among these trees, he ravaged by war become a planted corn and, when harvest productive, more cohesive society. came, he had doubled his A profile of one farmer, production. the hardworking, enthusiastic During the third year, don Pablo Pablo Augusto Bob (don Pablo), continued to apply agroforestry exemplifies the group of residents systems on his land. He increased who were eager to plan new his area of cultivation and focused businesses, reforest land, manage on income generating crops such organic crops, and learn about as pineapple, citrus fruits and new farming techniques after garden vegetables, rather than the peace accords were signed. subsistence crops such as corn They were eager to begin a stable Increased income is only one benefit and beans. In his pineapple life, and have made great inroads to Pablo Augusto Bob, a community plantation, where he once again development program participant. toward that goal. utilized the Taungya technique, In January 1997, CHF began he harvested 30,000 pineapples to work on Agroforestry and and 60,000 pineapple cuttings. Environmental Education in His gross income that year was various communities of the Ixcán, Q. 60,000 (approximately a municipality in northwestern US$8,000). With this success, Guatemala bordering Mexico— he has been able to purchase a where many had fled during the house, open a small store and conflict. One of the resettlement send his children to good schools. communities where CHF began One of don Pablo’s sons is about working is Monte Alegre, which is to enter the National Agricultural predominantly populated by School near Guatemala City. ethnic Q´eqchí Mayans. Don Pablo has gained economic When CHF Agroforestry promoters benefits and a strong approached don Pablo, he had environmental conscience, limited himself to traditional crops and his community members such as corn, beans, peanuts, and have seen similar gains. But the pineapple, but he decided to try end result of the program cultivation systems that were new is broader than that. The entire to him because they showed great community benefits from the potential for improving his farm. increased security that comes from living in an economically In 1997, don Pablo began a tree stable society, one where nursery of rapid growth trees that individuals can take control return and fix nitrogen into the of their own lives. soil. Applying the agroforestry chf annual 17_r 4/5/02 2:26 PM Page 19

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Hurricane reconstruction efforts included agriculture components to prevent flooding, construction of roads and bridges, and risk management training, to name a few.

fast paced, critical emergency, we involved community mem- al watershed hazard areas, staff members are training more bers in decision-making and worked with local partners. than 300 farmers in conservation and fertile soil prac- tices. CHF also helps leverage additional funding from In honduras, the same type of local management capacity the private sector for implementation of these activities. building had taken place. Immediately after the storm, with CHF’s technical assistance, communities rallied to The dominican republic, which lies in the middle of a build 2,000 emergency shelters.Three years after the hur- “hurricane belt,” is subject to severe storms annually. ricane, the physical changes to the landscape are astonish- Following the damage of Hurricane Georges, CHF ing. Approximately 4,500 new or improved permanent strengthened capacity of local organizations to provide houses and 550 latrines are a testament to community new,hurricane-resistant houses and repair existing homes efforts. During the process, CHF trained members of 21 with disaster mitigation technology.With CHF’s support, communities and 29 organizations and local governments the organizations built 2,300 new homes and improved the in technical areas. Five local organizations were trained in resilience of 1,500 additional homes. housing credit. Agricultural components and environmental mitigation has In nicaragua, CHF is forming a local organization to help had positive effects on communities. For example, garbage communities prioritize natural disaster vulnerabilities, clean-up campaigns seemed to have significantly increased prepare action plans to address these problems. In sever- environmental awareness and mitigation.

The Hurricane Mitch, Hurricane Georges, and 2001 earth- IN THE PAST 10 YEARS ALONE quake reconstruction projects were funded by the United States Agency for International Development (USAID), 97% the Federal Emergency Management Agency (FEMA), the United States Department of Housing and Urban repayment Development (HUD), the United States Department of Agriculture (USDA), and the Pan American Development rate Foundation.To these programs, CHF added value estimated at more than $40 million. In these and other programs, worldwide CHF’s work can be felt from the national government to the grassroots level. chf annual 17_r 4/5/02 2:26 PM Page 20

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1 School girls in Azerbaijan, where CHF offers support to displaced families. 2 In Colombia, CHF staff rapidly assembled kits of necessary items for families who were forced to flee their homes without warning. 3 Psychosocial training is an important component of the Colombia IDP program.

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ASSISTANCE TO DISPLACED PERSONS What is a displaced person? The United Nations High While serving people in need is a 50-year old tradition for Commissioner for Refugees (UNHCR) reports that: CHF, assisting persons who have been labeled as “IDPs” is a “Like refugees, they are hapless civilians often caught up in an new type of program for CHF.The deep commitment of our endless round of civil conflict or persecution. There are an staff has been critical to the success of these initiatives. estimated 20-25 million of them around the world and they are known by the clumsy bureaucratic acronym of IDP—an inter- In colombia, where CHF is helping displaced families, staff nally displaced person.What is the difference? When a fleeing members have tailored emergency humanitarian assistance kits to provide basic necessities to selected IDP families in six targeted cities. Four kits (cooking/kitchen, habitat, IN THE PAST 10 YEARS ALONE hygiene/cleaning, and food kits) meet the immediate 8,408 local survival needs of families who have been forced out of their homes by political violence that has torn colombia apart organizations, during the last decade. CHF also plans to construct emergency temporary shelters for targeted IDPs. CHF addresses co-ops, & psychosocial needs for these families, and coordinates referral of IDP families to transition services in conjunc- ngos assisted tion with existing departmental offices. This psychosocial service has become perhaps one of the most important aspects of the program for these families who were forced to flee their homes—sometimes in a matter of minutes—by civilian crosses an international frontier, he or she becomes a guerrilla activity. refugee and as such receives international protection and help. If a person in similar circumstances is displaced within his or her In azerbaijan,a CHF program promotes the integration of home country and becomes internally displaced person, then IDPs into the social fabric and economic life, helping shift assistance and protection is much more problematic.” the beneficiaries’ perspective and the development trends from short-term relief assistance toward long-term sustain- The UN Secretary-General, Kofi Annan, has described the able development. CHF completed a nationwide survey that problem of internal displacement as creating “an unprece- took stock of social investments made to date and recom- dented challenge for the international community: to find mended actions for community development donors and ways to respond to what is essentially an internal crisis.” implementing agencies.Through our programs in azerbaijan, chf annual 17_r 4/5/02 2:26 PM Page 21

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we have trained hundreds of people, and implemented small CHF does not use a cookie-cutter approach to development, infrastructure projects, such as electrical and water systems. but does apply relevant experience to new endeavors.

At the same time, CHF has initiated a program for civil soci- Focusing attention on developmental relief and far-sighted ety development to facilitate the return of refugees and IDPs emergency management can contribute to sustainable to their homes in bosnia.The program elements include development and world peace. CHF’s programs demon- building associations of businesses and homeowners, and strate how relief assistance can be structured to reap long- offering microfinance loans to members of the associations. term development benefits, provided that communities While adapted to the specific needs and context of bosnia, themselves lead the reconstruction process.Together, the program is based on CHF’s successful model designed for committed local partners and experienced CHF staff are communities undergoing economic transition in romania. building better communities.

n the end, working for more peaceful, stable com- Imunities—building a better world—has been at the heart of CHF’s work since 1952. The examples in this report demonstrate how our experience in some 100 countries over the past 50 years has helped to make major inroads toward improving the physical environment and helping families to improve their economic circumstances. Success is possible. Through international cooperation, we can mitigate conflict and build a better world for all of us. chf annual 17_r 4/5/02 2:26 PM Page 22

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ADVANCING THE ISSUES We work on many levels at once to improve the overall environment. It is not easy, and cannot be done by a single organization. Here are a few ways CHF meets the broader goal of advancing issues of world poverty and community development.

DISSEMINATION OF TOOLS AND TECHNOLOGIES FOR PRACTITIONERS

PUBLICATIONS AND ARTICLES CHF contributed to the knowledge base of develop- •Fact sheets on program areas and geographical reach ment practitioners through the following publications. • The CHF website (www.chfhq.org) For more information, see http://www.chfhq.org/pubs.htm. • So,You Want to do Housing Microfinance? A Guide to REPORTING SOFTWARE Incorporating a Home Improvement Loan Program into a This year we created an office of software management Microfinance Institution distills CHF’s experience in home to oversee the dissemination of external Information improvement lending. Tec hnology products.The centerpiece of this is the CHF- • The Caribbean Disaster Mitigation Program Toolkit explains developed PRS, or Project Reporting Software, originally how to make buildings more resilient to disasters. developed by CHF in lebanon.Many CHF offices and • An article in Echos du Cota No. 89 (in French) by several partner organizations now use the product. Collectif D’Echanges pour la Technologie Appropriée Tec hnicians are currently working on the next web-based describes applied microfinance of housing. generation of this product. • Case Studies on CHF’s work in South Africa and Mexico were printed in Best Practice: Innovative Approaches to REFINING OUR PRACTICES Cooperative Solutions of Housing Problems for the Poor, Although not for profit, CHF operates in a business-like edited by Hans-H. Münkner, published by ICA Housing manner, refining the way we work to stay at the forefront Cooperatives (Habitat II plus 5). of development.This year, we developed a number of • An article in Best Practices in Urban Environmental mechanisms to streamline our operations.We also fur- Technologies Newsletter No. 5, 4/2000 (in English and ther developed and refined concepts for conflict mitigation German) by UNCHS Best Practices Hub,Vienna, which and identified lessons for community based approaches to focuses on knowledge transfer, highlights CHF’s former disaster reconstruction program in poland as an example. •Articles about CHF’s work in the philippines, mexico, In the field, our staff fine-tuned program management sys- and china appeared in the International Cooperative tems to share with one another.These include a social inven- Alliance News. tory assessment developed in azerbaijan,new loan analysis CHF helped raise awareness about international develop- techniques from bosnia, management analysis mechanisms ment issues through the following additional outreach from romania, and redefined approaches for community materials: engagement developed in serbia. • The periodical CHF Newsbriefs • The annual program report Building a Better World chf annual 17_r 4/5/02 2:26 PM Page 23

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1 Rita Taylor in South Africa 2 Several VIPs™ have assisted with cooperative housing development in the Philippines. 3 Merle Borchers (left) in Kosovo

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EXPERT EXCHANGES

VIP PROGRAM In addition to CHF’s core staff of diverse, qualified profession- azerbaijan to install an accounting software package als (see list at back), we also augment our expertise by the use for a local organization. He also helped to test the pro- of Visiting International Professionals (our VIP™ Program) and gram, and then trained staff in an assignment from selected volunteers from the United States Peace Corps who June 11 to 30, 2001. are experienced in community development or business. VIP program participants for fiscal year 2002 include: STUDY TOURS • Merle Borchers, a retired business executive who lives in Over the past 50 years, CHF also has led a number of study Inver Grove Heights, Minnesota, helped CHF’s Kosovo exchanges, where practitioners from the united states and Construction and Employment Program to review its abroad have learned from one another.These have included: business and financial planning process. Borchers revised • Solid waste managers from Central America visiting tools for preparing financial plans for small and medium Environmental Protection Agency sites in Atlanta. size businesses, helped to prepare financial plans for sev- • Housing practitioners from romania, and poland eral businesses that CHF is advising, and trained CHF local exploring the greater Washington, DC area to learn consultants in financial planning from May 7 to 25, 2001. about housing in a market economy. • Robert A. Delemarre, an international consultant who • Housing practitioners from the philippines visiting coop- lives in Silver Spring, Maryland, helped CHF headquar- erative housing sites on both coasts of the United States. ters investigate lumber suppliers for CHF’s Earthquake Emergency Shelter Project in el salvador,from BRINGING IT ALL HOME February 12 to 19, 2001. CHF’S PUBLIC EDUCATION EFFORTS • Rita Taylor, a retired credit union expert who lives in The rest of the world matters to the united states. No coun- Silver Spring, Maryland, supported a CHF office in try, organization, or community can make the world safe all on south africa by reviewing the operational procedures its own. It is important to remember the positive connections of the East London (south africa) Savings and Credit among all of us. Following are some ways CHF encourages Cooperative, formed by the members of the East London American audiences to learn about international development. Housing Management Cooperative; drafting an opera- tional procedures manual; and the board of directors of TELEVISION DOCUMENTARY the credit cooperative on how to use the manual, in an The Visionaries Institute chose to profile CHF’s work in the assignment from April 7 to 27, 2001. premiere episode of its self-named documentary series • George Wisnewski, a retired business executive who to air on public television. Actor Sam Waterston hosts lives in Coventry, Connecticut, helped a CHF office in The Visionaries series, now in its ninth season. chf annual 17_r 4/5/02 2:26 PM Page 24

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1President Doyle (left) and Vice President Hermanson (right) with Queen Rania Al Abdullah. 2To help us reach new audiences, this year a film crew captured CHF’s work in South Africa, Azerbaijan, Mexico, and Jordan. 2 1

PARTICIPATION IN DOMESTIC CONFERENCES NETWORKS AND AFFILIATIONS Each year CHF sends speakers with international experience • American University of Paris (AUP) to share their expertise with domestic partners at forums • Association of Women in Development that allow for broader exchanges.These include the National • Building and Social Housing Foundation (BSHF) Association of Housing Cooperatives and the National • Campaign to Preserve US Global Leadership Association of Housing and Redevelopment Officials. • Council of Practitioners, Microcredit Summit • Global Alliance CAPITOL HILL RECEPTION • Habitat International Coalition CHF hosted jordan’s Queen Rania Al Abdullah during • International Cooperative Alliance a microfinance reception on Capitol Hill in April 2001. (ICA)/Housing Queen Rania championed aid for the poor and paid tribute • Maryland Association to those involved in creating loans to spur entrepreneurship of Nonprofit Organizations across the globe. Guests included members of Congress • Microenterprise Coalition and representatives of government and non-governmental •National Association of Female Executives organizations interested in microenterprise.The Micro- •National Association of Housing finance Coalition was CHF’s co-host for the reception. Cooperatives (NAHC) •National Association of Housing and Redevelopment Officials (NAHRO) •Overseas Cooperative Development IN THE PAST 10 YEARS ALONE Council (OCDC) 18,537,051 • Small Enterprise Education and Promotion Network (SEEP) • Society for International Development (SID) reached •Transborder Shelter Network (US-Mexico) • United States-Mexico Border Progress Foundation through chf • United Nations Economic Commission for Europe, Housing and Urban Management Advisory Network publications • United Nations Economic and Social Council (CHF is a nongovernmental organization in Special & websites Consultative status with the Economic and Social Council of the United Nations—UN-ECOSOC.) chf annual 17_r 4/5/02 2:26 PM Page 25

THE CLUSTER APPROACH Examples from Serbia and Lebanon Supporting Decentralization and Democratization Worldwide chf annual 17_r 4/5/02 2:26 PM Page 26

The primary benefit to clusters the first step toward bringing and villages is that these the facility up to standard. programs respond to priority needs that they have expressed. “Finally we will be able to It nurtures healthy competition contact the foreign doctors among neighboring villages to and tell them we are ready to implement the best possible establish the research center,” projects. It enhances the visibility said Mrs. Miljkovic. of successful projects, which BCHETFINE SEWER NETWORK facilitates replication. A village of 380 families in BRESTOVAC HOSPITAL Mount Lebanon, Bchetfine, Following protracted conflict in had been experiencing extensive the context of continuing mutual ground and surface water Democratic processes are central pollution problems caused by to the cluster approach. ethnic distrust, CHF is working to develop underserved communities the lack of any sewage disposal in Serbia through democratic infrastructure. From most action. The renovation of the households, sewage was flowing Brestovac hospital, shows a physi- untreated through open canals cal result made possible through a onto nearby land. democratic community council. A national plan promised an

The area around the city of expensive, district-wide Brestovac in South Serbia has such wastewater treatment plant—by a high number of cases of Balkan 2025. Rather than wait decades, nephritis (an endemic kidney though, local residents decided disease whose symptoms resemble to take action. A preliminary leukemia) that some textbooks engineering study prompted actually call it Brestovac nephritis. them to seek cluster program Brestovac Hospital doctors are assistance from CHF. researching genetic and environ- SUPPORTING To make the project a reality, the mental factors leading to the DECENTRALIZATION village willingly provided $150,000 disease. Efforts have stalled over AND DEMOCRATIZATION in cash and in-kind contributions the past several years, however, WORLDWIDE amounting to 40 percent of the because of poor working conditions CHF has used a cluster project costs. On a routine visit to and lack of equipment. Despite approach—grouping a mix of the village, CHF staff discovered these challenges, the medical team five to seven villages that share a long line of villagers outside at Brestovac Hospital has continued similar economic and social the municipality waiting patiently publishing its findings on the needs—in conflict-affected places to pay their share of the cash disorder’s potential causes. like West Bank/Gaza, Serbia, and contribution. This demonstrates Lebanon. The cluster approach The hospital’s work has attracted that citizens are willing to assume is helping communities move in the attention of health specialists a civic responsibility—paying the direction of a more peaceful from Germany and the United taxes—if they are confident that and democratic future through States, who began visiting the money will be used properly. economic development. Brestovac in July 2001 in hopes The community drew upon CHF’s of establishing a research center The approach has played a experience to initiate, fund, and there. Yet, while Brestovac positive role in keeping people implement a local sewer network Hospital serves 10,000 regional on their land, rebuilding vital project, and to develop the residents, it has been falling infrastructure, expanding institutional capacity to maintain into disrepair for decades. In the economic opportunities, it. Once CHF completed the last ten years, doctors were protecting the environment, and requisite technical and sometimes forced to see patients supporting democratic principles administrative training, in rooms leaking rainwater. and institutions. In a physical and the municipality and steering environmental sense, the program “[The specialists] saw that it committee quickly assumed plant improves potable water supply, was impossible,” said Hospital operations and maintenance. feeder roads, health and Director Sladana Miljkovic. These are just two of thousands community centers, irrigation “because the conditions here of CHF projects worldwide systems, waste treatment, schools are so poor.” demonstrating that the surest and other basic social route to effective development is infrastructure in hundreds Now, through the facilitation and a local community addressing its of neglected communities. support of CHF, a Brestovac own needs based upon democratic Economically, it creates community council has been formed principles and collective action. income-producing opportunities to oversee community development. for families, helping to sustain The first project implemented was peace and reconciliation. to give the hospital a new roof— final_back_r 4/5/02 2:41 PM Page 27

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PARTNERS & SUPPORTERS OF OUR WORK

WORLDWIDE Overseas Private SM Group International, Social Investment PARTNERS Investment Corporation Canada Fund of Honduras (OPIC) Social Investment Fund Calvary Reformed Church/ Reno & Cavanaugh, of El Salvador NICARAGUA United Church of Christ PPLC CAMPB Research Triangle Usulután San Juan del Sur and CARE International Institute (RTI) Somotillo/Villanueva Catholic Relief Services S-Mart Agency for Cooperation CEDAPRODE, Nicaragua Save the Children and Development Ministry of Environment Cementos de Chihuahua Stanford Financial Group International (ACDI), and Natural Resources Center for Housing United Nations Canada (MARENA) Initiatives (CIM), Poland United Nations Children’s Environmental Protection Municipal Development Christian Church Homes Fund (UNICEF) Agency (USEPA) Institute of Nicaragua of Northern California United Nations Research Triangle (INIFOM) Cities Alliance Development Institute (RTI) Municipal Coffee Trade Federation, LTD Programme (UNDP) Social Investment Descentralization Consejo Salvadoreño del Café United States Agency Fund of El Salvador and Development Contec-Sumitomo for International SM Group Project (PADCO/USA) Corporation Development (USAID) International, Cooperative League of the United States Department Canada P ANAMA United States (CLUSA) of Agriculture (USDA) Creative Associates United States Department GUATE MALA Bocas del Toro (CREA), South Africa of Housing and Urban Cummins Engine Foundation Development (HUD) Antigua Guatemala Conservancy Association Department for International United States (CARIBARO) Development (DFID), Britain Department of State Environmental Protection Education and Eaton Corporation United States Peace Corps Agency (USEPA) Environmental European Union The Visionaries, Inc. National Department of Economic Management Group Federal Emergency VOLCAFE, Sweden Planning (SEGEPLAN) (GEMAS) Management Agency World Bank Environmental Protection (FEMA) Ixcán Agency (USEPA) Ford Foundation CENTRAL AMERICA: LEPPI National Environmental German Technical REGIONAL PARTNERS Neighborhood Association of Authority (ANAM) Cooperation Agency (GTZ) the Colonia Nuevo Amanecer Smithsonian Foundation Government of Canada COSTA RICA and Colonia La Paz Government of Australia Panamerican Health Chilibre Government of France Puerto Viejo and Organization (PAHO-OPS) Government of The Manzanillo ANCOM Foundation Netherlands Puerto Barrios Education and Environmental Government of Norway International Agency for Management Group (GEMAS) Greater Washington Development, The Netherlands Association for Environmental Ministry of Health Reading Council Ministry of Environment and Recuperation, Management National Environmental InterAmerican Foundation Energy (MINAE) and Sanitation (ARMSA) Authority (ANAM) International Medical Corps Solid Waste Collection Environmental Johnson & Johnson and Disposal Association Development LOCAL PARTNERS Corporation of Puerto Viejo and Conservancy Kiwanis Foundation Foundation (FUNDAECO) AZERBAIJAN of Arlington, Inc. Environmental Protection MacArthur Foundation EL SALVADOR Agency (USEPA) Azerbaijan Humanitarian Mercy Corps International Assistance Program (AHAP) National Coffee Association La Unión HONDURAS Initiative for Social Action and of the USA, Inc. Renewal in Eurasia (ISAR) Office of Foreign Disaster Agency for Cooperation Foundation for the Village Earth Assistance (OFDA) and Development Conservancy of the SUHL Organization of International (ACDI), Biological Reserve of UMID Humanitarian and American States (OAS) Canada Guimoreto and Calentura Social Support Centre Outboard Marine Environmental Protection Municipal Development Lala Agricultural Association Corporation Agency (USEPA) Foundation (FUNDEMUN) Fizuli Farmers’ Association final_back_r 4/5/02 2:41 PM Page 28

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PARTNERS & SUPPORTERS OF OUR WORK (Continued)

Latibah Association EL SALVADOR Municipality of California Salvadoran Foundation for Research Center for Municipality of Chinameca Development (FUSADES) Development and International APSIES Municipality of Chirilagua Salvadoran Foundation for Collaboration (SIGMA) Aquaculture Projects Municipality of Development and Basic Association Cojutepeque Housing (FUNDASAL) Individuals (PROACUA) Municipality of Salvadoran Foundation for Association for Integral Concepción Batres Integral Support (FUSAI) Ms. Ayten Poladova Development of the Coast Municipality of El Tránsito Technical Industry Institute Mr. Ahmedkhan Alimov (CODECOSTA) Municipality of Ereguayquin Ex-Students Foundation Association Madrecria Municipality of Jucuarán (FUNDAITI) DOMINICAN REPUBLIC (MADRECRIA) Municipality of Puerto Business Women El Triunfo GUATE MALA Alternative City Association (OEF) Municipality of San Agustin Association for the Coffee Salvadoran Council Municipality of San Association for Road Development of Azua, (CSC) Buenaventura Maintenance of San Juan and Elias Piñas Cooperative League of the Municipality of San Dionisio the Ixcán (AMVI) (FUNDASEP) United States (CLUSA) Municipality of San Emidgio Center for Integrated Association for the Cooperation Center of Alternative Municipality of Development Services Development of San Jose de Technology (CENCITA) San Francisco Javier (CESIDE) Ocoa (ADESJO) Coordination Office for the Municipality of San Jorge Corporation of Industries Children International Communities and the Municipality of San Juan of the Ixcán (CORDISA) Dominican Institute of Development of Cacáhuatique Nonualco Guatemalan Government Integrated Development (CODECA) Municipality of Community Development (IDDI) Coordination Office for the San Luis La Herradura for Peace (DECOPAZ) Father Juan Montalvo Social Development of La Unión and Municipality of San Martin Municipality of the Studies Center Morazán (CODELUM) Municipality of San Pedro Chisec Foundation for Community Crisis Corps Perulapan Municipality of Development (FUDECO) Foundation for Development Municipality of San Rafael the Ixcán Government of the Dominican (FUNDESA) Obrajuelo Republic, National Housing Foundation for the Cooperation Municipality of San Sebastian HONDURAS Institute (INVI) and Community Development of Municipality of Santa Elena Government of the Dominican El Salvador (CORDES) Municipality of Santa María Action Against Hunger Republic, National Institute for Federation of Institutions Municipality of Santa María ADEPES Housing Services for Civil in Support of Popular Ostuma ADRA Servants (INAVI) Housing (FIDAVIP) Municipality of Tecapan AIEH Government of the Federation of Agricultural Municipality of Tecoluca APAN Dominican Republic, Cooperatives (FECOAGRO) Municipality of Usulután Atlas Logistique National Institute Feed the Children Municipality of Verapaz Bank Grupo el Ahorro for Potable Water and Foundation for the Economical Municipality of Zacatecoluca Hondureño (BGA) Sewer (INAPA) Development and Ecotourism of National Emergency Bank FICOHSA Habitat for Humanity Guazapa (FUNDECEG) Committee (COEN) Cámara de Comercio Dominican Republic Foundation for the Support of New Dawn Association La Lima Inter-Institutional Council for Municipalities of El Salvador (ANAES) Catholic Relief the Coordination of Housing (FUNDAMUNI) Partners of the Americas Services (CRS) Programs (CII-Viviendas) GOAL (POA) Center for Design, National Association of Habitat for Humanity Professionals Association Architecture and Hotel and Restaurant El Salvador for Economic and Social Construction (CEDAC) Owners (ASONAHORES) Habitat Foundation Development (APRODESMI) Children International National Popular Housing Honduras Conservation Corps Project Concern COBAHSA (Honduran Banana Fund (FONDOVIP) Lower Lempa International/PROCOSAL Company) National Rural Electric Coordination Office Reconstruction and CODELs Cooperative Association Ministry of Education Development Coordinator CODEMs (NRECA) International Ministry of Environment Office (CRD) COPECO Plan International and Natural Resources Salvadoran Integral CRWRC Dominican Republic (PLAN) Ministry of Health Development Elementary Schools Village Women in Municipaliy of Alelgría Association (ASDI) from La Lima Development (MUDE) Municipality of Apastepeque Salvadoran Integral Training Embotelladora Agua Azul World Vision USA Municipality of Berlín Center (CECAIS) FHIA final_back_r 4/5/02 2:41 PM Page 29

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Getsemaní Housing Shelter Now International Rishknanay LC Municipality Cooperative Ltd. Solidarites Rene Mouawad Foundation of Estelí GOAL United Nations International (RMF) National Institute of Habitat for Humanity Labor Organization Rojm Khalaf School Farming Technology Honduras Saddikkine COOP (INTA) Help in Action LEBANON Saddikkine LC University Center Hermanos Maristas/Caritas Saddikkine School of the North Region, Honduras Women's Access to Microfinance and Safad El-Batikh LC Nicaragua Enterprise Development Enhanced Enterprise Safad El-Batikh Municipality Union of Agricultural (ODEF) Niches (AMEEN) Tibnine Dar El-Mouaalamine Producers of Nicaragua Municipality of Choluteca Wadi Khaled LC (UPANIC) Municipality of El Progreso, Credit Libanais Wadi Khaled School Yoro Jammal Trust Bank Yater Municipality P HILIPPINES Municipality of La Lima, Cortés Yater School Municipality of La Masica, Rural Economic Development Alterplan Atlántida Initiative (REDI) USDA Project ANAKBAYN Youth Municipality of Nacaome Organization Municipality of Orocuina Aanout Intermediate School Braachit COOP CO Multidiversity Municipality of Pespire Aanout Municipality Braachit LC Migrante International Municipality of San Francisco, Aita El-Jabal LC Braachit Municipality National Alliance of Atlántida Arsal LC El-Jiye COOP Urban Poor Associations Municipality of San Lorenzo Arsal Local School Governor En-Nabatieh (KADAMAY) Municipality of San Manuel, Arsal Municipality Haddata COOP National Council of Cortés Baalbeck Municipality Saddikkine COOP Churches in the Municipality of Santa Rita, Yoro Beit Yahoune LC Safad El-Batikh COOP Philippines (NCCP) Municipality of Villa de Bezbina LC Watermelon COOP National Confederation of San Antonio, Comayagua Bezbina Municipality Cooperatives (NATCCO) National Water and Sanitation Braachit Municipality MEXICO National Housing Services of Honduras (SANAA) Braachit School Authority (NHA) Nuestros Pequeños Hermanos Charbine School Center for Assistance for PISTON Project Teamwork Council of South Working Women Polytechnic University of Proleña Dalhoune School Center for Border Health the Philippines-Institute of Promsat Deir Nbouh Municipality Research, Paso del Norte Cooperatives (PUP-IC) Red Cross of Honduras El-Borj Municipality Health Foundation SAMAKANA SOPTRAVI El-Qasr Municipality Habitat and Housing St. Louis University- Swiss Development Agency El-Qasr School Foundation St. Vincent Parish (SLU-SVP) (COSUDE) Fares Foundation Kolping University of the Philippines Tela Railroad Company Haddata School Mexican Federation of Private Center for Integrative United States Peace Corps Harbata LC Associations for Health and Development Studies Water Boards Harbata Municipality Community Development (UP-CIDS) 105 Infantry Batallion Harbata School Tierra del Sol Housing Urban Poor Associates (UPA) Hariss School Corporation JORDAN Hermel Third ROMANIA Intermediate School NICARAGUA Bank of Jordan Hermel Compl. School Association of Independent Cairo Amman Bank Hermel Municipality EMSA Entrepreneurs (AIP) Jordan National Bank Kafra LC Farmers National CDFIs, Severin Jordan River Foundation Kafra Municipality Union (UNAG) Association of Small and The Housing Bank for Trade Kafra School Farmer Forum Medium Enterprises (ASI- and Finance Labweh Municipality Miraflor MAR), Arad Labweh School Ministry of Environmental Association of Small KOSOVO Ministry of Education and Natural Resources and Medium Enterprises Ministry of Health (MARENA) (AIMMR), CDFIs, Severin Czech ADRA Ministry of Vocational and Municipality Association of Traders Danish People’s Aid Technical Education (VTE) of Bluefields (ACA), Arad International Organization Ministry of Social Affairs Municipality Association of Women for Migration (MOSA) of Chichigalpa Managers (AFM), Mehedinti Intersos Orphanage Municipality of Chinandega Center for Rural Assistance final_back_r 4/5/02 2:41 PM Page 30

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PARTNERS & SUPPORTERS OF OUR WORK (Continued)

Chamber of Commerce, Romanian-American Port Elizabeth Developmental Civic Industry and Agriculture Enterprise Fund Tourism Board Forum (DCF) (CCIAA), Alba Union of Tenants and Progress Management Eastern Youth Center Chamber of Commerce, Homeowners Association Services Fukhari Village Council Industry and Agriculture Deva (UALPD) Safmarine Huda Association (CCIAMh), Mehedinti Sakhezethu Khan Younis Municipality Chamber of Commerce, SOUTH AFRICA Ngomanyana Kherbet El Adas Council Industry and Agriculture Housing Association Khuzaa Agricultural (CCIAT), Timis ACDI/VOCA Savings and Credit Permaculture Confederation of Private Afesis-Corplan Cooperative League Khuzaa Municipality Enterprises-Timis (CIPT) Africon of South Africa Khuzaa Social Development Business Center of Clarkson Communal South African Center (KSDC) Transylvania (CAT), Alba Property Trust Department of Labor Maen Council Business Entrepreneur’s Community Self South African Department Manara Council Federation (FPB), Oradea, Employment Center of Public Works Medical Aid Association Bihor (COMSEC) South African Department Handicapped Program The Entrepreneur’s Club Council for Scientific of Welfare (MAAHP) of Arad (CIAR) and Industrial Research South African National Ministry of Agriculture Euroregional Center Eastern Cape Provincial Civics Organization Ministry of Education for Democracy (ECD) Housing Board South African National Ministry of Environment Federation of Tenants Farmerfield Communal Defense Force (MENA) Associations Timisoara (FALT) Property Trust South African National Ministry of Finance Federation of Homeowners Isandla Partners in Parks Board Ministry of Health Associations (FAPA) Development South African Women Ministry of Housing Local Union of Tenants National Cooperative in Construction Ministry of Local Associations Arad (ULALA) Business Western District Municipality Governments Master Business Association/Cooperative Zenzeleni Housing Ministry of NGOs Center (MASTER), League of the United States Association Ministry of Planning and Hunedoara (NCBA/CLUSA) Caltex International Cooperation The Microfinance Robins Trust Eastern Cape Master (MoPIC) Center, Poland South African Homeless Builders Association Municipality of Gaza Mutual Assistance People’s Federation Pretoria Portland Cement Nasser Municipality House of the Urban Services Group Spar Palestinian Agricultural Associations (CARA), Africon Telkom Relief Committee Arad Bethelsdorp Technical (PARC) Mutual Assistance College WEST BANK/GAZA Palestinian Authority House of the Buffalo City Savings and Job Creation Program Associations (CARA), Credit Cooperative Community Rural (PAJCP) Caras Severin Coega Development Services Program (CRSP) Palestinian Economic Mutual Assistance Corporation Council for Development House of the Colchester Housing Abbessan Jedida Municipality and Reconstruction Associations (CARA), Association Abessan Jedida Association (PECDAR) Hunedoara Community of Joe Slovo for Village Development Palestinian Hydrological Mutual Assistance East Cape Training College (AJAVD) Group (PHG) House of the East London Housing Abessan Kabira Municipality Palestinian Water Associations (CARA), Management Cooperative Al Aqsa Association Authority (PWA) Mehedinti Koukamma Municipality Al Huda Women Development Qaal Kurein Council Mutual Assistance Legal Resources Center Center Association Qarara Development House of the Mayibuye Savings Al Quds Open University Association (QDA) Associations and Credit Cooperative Association of Palestinian Qarara Municipality (CARA), Timis Mineworkers Local Authorities (APLA) Qessan Najar Council Municipal Union of Development Agency Bani Suheila Municipality Rafah Municipality Tenants and Homeowners Motherwell Youth Benevolent Social Services Red Crescent Associations (UMALPR), Development Forum Association (BSSA) Shokat Sufi Municipality Resita Nelson Mandela Metropole Canaan Society for the Physically “Phoenix” Business Center SMME Development Unit Civic Defense Handicapped (SPH) (PHOENIX) Brad, Port Elizabeth Society Culture and Free Thought Solid Waste Management Hunedoara for Mental Health Association (CFTA) Council (SWMC) final_back_r 4/5/02 2:41 PM Page 31

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Sureij Council Women Cultural Center (WCC) SPECIAL THANKS Theater Day Productions World Bank (TDP) CHF International would like to United Nations Home Improvement offer a special note of thanks to Refugees and Works Loan Program (HILP) all the neighborhood committees, Agency (UNRWA) village implementation teams, United Nations Special Arab Bank project committees, schools, Coordination Office Bank of Palestine contractors, and individuals (UNSCO) Cairo Amman Bank who have helped make our University Graduate work possible. Society (GS) Water and Environmental Development Organization (WE-DO) final_back_r 4/5/02 2:41 PM Page 32

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CHF INTERNATIONAL STAFF

HEADQUARTERS Programs Administration Director, Office of Zahra Ahmedova EMPLOYEES Emergency Management Information Coordinator Barbara Czachorska-Jones Claude John Ahmad Aliyev Director, Administration Senior Program Association Specialist and Finance Development Officer Julie Burch Viva Goettinger Matt Morrison Deputy Program Director Program Analyst Program Development Officer Abdulali Damirov Monica Hatim Erica Oppegard Driver Senior Program Support Officer Program Development Officer Shamail Fatullayeva Sanny Palacios Dorothy Scott Maintenance Program Support Officer Program Development Assistant Gulbaniz Ganbarova Kimberly Tilock Ivana Sirovic Business Consultant Credit Manager Program Officer Ismayil Gulahmedov EXECUTIVE OFFICE Guard FINANCIAL SERVICES HUMAN RESOURCES Farhad Hasanov Michael E. Doyle Technical Assistant President and James Russo LaVerne Bonelli Khanoglan Hasanov Chief Executive Officer Chief Financial Officer Director, Human Resources Guard Judith A. Hermanson Patricia Manyari-Bazan Andrea Coleman Mahammad Ismailov Vice President Deputy Chief Financial Officer Office Assistant Driver Linnea Betzler Billy Blake Michelle Schilke Balash Kasumov Executive Support Officer Help Desk Support Technician Human Resources Assistant Business Consultant Heather Bowen Byron Chavarria Simone Tchimou Zaur Kuchkaryov Communication Specialist A/P Staff Accountant Receptionist Office Manager Tammy Vellines Naeem Green Famil Mastaliyev Executive Assistant Staff Accountant CHF INTERNATIONAL Driver to the Vice President Jason Hundley FIELD PROGRAM STAFF Kamala Mursalova Patricia Wells Staff Accountant Secretary Executive Assistant Denise Lewis AZERBAIJAN Yegana Qouliyeva to the President Executive Assistant Association Assistant to the Chief Financial Azad Rasulov F IELD PROGRAM Officer Program Manager OPERATIONS Donald May Controller SII Field Programs Mark Miller Internal Auditor Slawek Getka Franck Daphnis Lou Robinson Deputy Director for Microprojects Director, Field Program Operations Information Technology Manager Elmira Abdullayeva Michael Jenkins Elaine Roebuck, CCP Office Manager Senior Program Manager A/P Payroll Coordinator Chris Siliski Gulshan Akhundova Randy Lyness Emily Saab Country Director Training and Senior Program Officer Assistant Controller Samira Alyshanova Environmental Specialist Scott Mulrooney Michael Wright Senior Finance Manager Azer Bayramov Senior Program Officer Staff Accountant Jacques Roy Procurement Specialist Richard Owens Deputy Director for Finance Azad Budagov Senior Program Officer OFFICE OF PROGRAM and Human Resources Regional Coordinator INITIATIVES Aliaga Shahmaliyev Farida Eminova Field Programs Administrative Manager Community Mobilizer John Chromy Kate Stookey Konul Gabulzade Michel Holsten Director, Office of Director of Information, Training, Information Officer Director, Field Program Program Initiatives and Outreach Azada Gasimova Operations Alain Noudehou Maintenance Thea Anderson Deputy Director, Office CEEOP Shamama Gasimova Program Officer of Program Initiatives Maintenance Jesse Fripp Tamara Arsenault Beverly Hoover Bakir Guliyev Senior Program Officer Senior Program Program Director Program Officer and Engineer Catherine McMahon Development Officer Gulgez Abbasguliyeva Mushvig Guliyev Program Officer Rick Hill Business Trainer Driver final_back_r 4/5/02 2:41 PM Page 33

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Sada Guliyev Program Administration María Isabel Jaramillo Pérez Marco Aguilar Community Mobilizer NGO Coordinator Social Promoter Kamalya Guliyeva Arslan Abbasov Cristóbal Pérez Barrientos Jaime Amaya Training Coordinator Driver Architect Project Technician Shahana Guliyeva Rafiq Babayev Liliam de Amaya Information Officer Driver DOMINICAN REPUBLIC Receptionist Gahraman Hagverdiyev Miraga Babayev Pedro V. Amaya MIS Specialist Regional Coordinator Bryan Winston Environmental Sabuhi Hasanov Nina Franco Country Director Management Manager Information and Maintenance Freddy Arias Halmar Alfaro Outreach Aybeniz Ganjaliyeva Warehouse Guard, La Romana Driver Bahadur Huseynov Program Assistant Mary Dennys Asencio Alvaro Ayala Guard Emin Gasimov Secretary Concierge Khosrov Huseynov Guard Cecilio Jean Batista Manuel A. Balibrera Driver Aybeniz Hajiyeva Laborer, La Romana Program Manager Teyyub Ismailov Human Resources Ernesto Cruz Ruben Barahona Driver and Finance Assistant NGO Coordinator Project Assistant Akif Karimli Mehriban Hasanova Adalgisa Espirituasanto de Robert Bonilla Driver Finance Manager Los Santos Construction Supervisor Ismail Karimov Elkhan Isgenderov Social Promoter, La Romana Cive de Bermudez Guard Driver Rosinnis Feliz Cuveas Administrative Coordinator Shirkhan Khalilov Aydin Mamedov Laborer, La Romana Juan F. Caceres Guard Guard Mariano Linares Coordinator Mamed Kuliyev Engineer, La Romana Vilma G. de Campos Health and BOSNIA Maria Lizardo Administration Manager Environmental Specialist Social Promoter, La Romana Marco A. Cardoza Mamedtagi Mamedov Vince Gamberale Freddy Marte Coordinator Procurement and Country Director Construction Foreman, Gilberto Castellon Budgets Officer Goran Bubalo La Romana Concierge Ramin Mamedov Assocation Development Isidro Martinez Antonio Cazun Procurement and and Training Director Construction Foreman, Communications Coordinator Budgets Officer Selma Ibrakovic La Romana Robert Cisneros Shamo Mamedov Loan Officer Luis Martinez Project Supervisor Community Mobilizer Sinisa Ignjatic Guard, La Romana Claudia Corrales Gulnara Mamedova Administrative Assistant Pablo Soler Montas Social Promoter Office Manager Drazenka Ilic Engineer, La Romana Leonardo Cortez Rashid Mastaliyev Loan Officer Gabriel Prisma Collections Agent Guard Nerka Jugo-Ahmic Financial Director Misael Duran Mirtofiq Mirsalahov SME Development Amelia Ravelo Social Promoter Community Mobilizer Coordinator Technical Director Alexander Escobar Azada Mirzayeva Lejila Kalic Diomedes Rodriguez Social Promoter Community Mobilizer Receptionist Driver, La Romana Casto Flores Veysal Mursalov Maja Kisic Juan Severino Collections Agent Guard Civil Society Specialist Construction Foreman, Alfonso A. Garcia Ilgar Mustafayev Esma Latic La Romana Program Manager Training and Finance Director Jose Tavarez Margoth Garcia Environmental Sanja Radonja Project Director Concierge Officer Finance Director Heriberto Tineo Lida Garcia Kamil Orujov Jasna Sinancejiv Driver Credit Promotion Community Mobilizer Administrative Officer Tomasina Tolentino Coordinator Vahid Rasulov Accountant Rolando Giron Guard COLOMBIA Yokasta Tolentino Social Promotion Coordinator Alihuseyn Shukurov Secretary, La Romana Daniel Gonzales Community Mobilizer Neyla Rubio Rodríquez Social Promoter Panah Valiyev Program Manager EL SALVADOR Willie Nelson Gonzalez Driver Monica Minnig Posada Project Resident Gulbala Yusifov Accountant and Grants Peter Loach Ana Granillo Chief Engineer Manager Country Director Concierge final_back_r 4/5/02 2:41 PM Page 34

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CHF INTERNATIONAL STAFF (Continued)

Lisardo Gutierrez Carlos Posada Gabino Garcia Binito Santiago Chub Coy Social Promoter Field Auditor Guard Agroforestry Promoter Yaneth Guerra Mauricio Quintana Todd Breach Gonzalo Latz Coy Human Resources Program Manager Associate Director of Finance Agroforestry Promoter Coordinator Roberto Quinteros and Administration Antonio Macz Cucul Jose Guerrero Administrative Coordinator Francisco Marcos Colindres Agroforestry Promoter Guard Walter Ramos Guard Domigo Cuz Cucul Jenny Henriquez Credit Assistant Dora Maria Cuyuch Agroforestry Promoter Social Promoter Carlos Rivas Maintenance Cesar Amilcar Guzman Cruz Rosario Hernandez Social Promoter Nicolasa Yohol Dionicio Guard Accountant Margoth de Rivas Secretary Pedro Juan Gomez Roxana Hernandez Credit Assistant Sergio Enriquez Ixcán Guard Accounting Assistant Ricardo Rodriguez Accountant Raymundo Perez Hernandez Sandra de Hernandez Accountant Isabel Gomez Guard Executive Assistant Carlos Ruiz Guard Rosalio Moises Morales Herreara Moises Iglesias Field Technician Randall Lyness Guard Collections Agent Magda de Sanchez Director of Finance and Marcelino Chun Ical Silvia Juarez Finance Manager Administration Agroforestry Promoter Social Promoter Patricia Santos David Gonsalez Macaley Carlos Humberto Ramirez Lemus Ovidio Lara Technical Assistant Vehicle Manager Assistant II, Experimental Farm Financial and Maria A. Segovia Claudia Nohemy Montenegro Emiliano Reyes Lemus Administrative Specialist Social Promoter Head of Accounting Field Operator Carolyna de Lopez Tito Torres Abel Carrera Morales Marco Antonio Lopez Program Manager Assistant Accountant Driver and Logisticician Field Operator Claudia Lopez Alex Valencia Vera Waleska Oliva Orozco Baltaza Diego Lopez Project Architect Social Promoter Accounting Assistant Agroforestry Promoter Rafael A. Lopez Alexander Valle Hilda Ramos Pelico Nicolas Utuy Lopez Credit Manager Project Resident Maintenance Guard Javier Martinez Ivette de Valle Alba Azucena Aguilar Penate Gumercinda Mendoza Social Promoter Housing Coordinator Administrator Agroforestry Promoter Jose Martinez Carlos Vargas Mario Rene Soberanis Emilo Moran Field Technician Field Technician Ramos Ixcán Field Operator Mirtha de Menjivar Sergio Vasquez Accountant Erick Retana Carias Morataya Accounting Assistant Field Technician Francisco Sical Sical Field Operator Mario Minero Enrique Vega Guard Juan Macario Paul Deliver and Mechanic Consultant Agroforestry Promoter Ivonne Miron Erick Villegas C IT Agroforestry and Demetrio Baten Pelico Administrative Assistant Social Promoter Environmental Education Agroforestry Promoter Vafa Mobasher Jorge Xol Putul Purchases Coordinator GUATE MALA Leonardo Ramiro Apen Guard Guillermo Molina Field Operator Nolberto Gutierrez Ramirez Supplier Communities in Transition Domingo Choc Asig Guard Jose L. Navas (CIT) Project Agroforestry Promoter Eduardo Melchor Reyes Environmental Coordinator Rolando Guillen Boch Field Operator Rafael Navarro James Schenck Agroforestry Promoter Juan Ajualip Rodriguez Project Resident Project Director Jose Caal Field Operator Alfredo Ordonez and Chief of Party Agroforestry Promoter Francisco Baten Rojas Technician Emiliano Santos Cardona Agroforestry Promoter Vilma G. Orellana C IT Project Support Agroforestry Promoter Juan Lux Santos Administrative Assistant and Administration Wilson Castaneda Agroforestry Promoter Milton Paredes Associate Director Romulo Tecu Sical Project Resident Claudia Dinorah Alfaro A. Jorge Emilio Albizurez Castrillo Guard Rosa Perez Administrative Assistant, Agroforestry Gabino Yat Sun Social Promoter Finance Coordinator Agroforestry Promoter Haydee Pichinte Myrna Cristina Hernandez A. Andres Rojche Chiquirin Rudolph Stowlinsky Social Promoter Secretary and Receptionist Field Operator Agroforestry Coordinator Ronald Polanco Lesbia Maritza Garrido B. Arnulfo Dario Leal Col Emilio Caal Tiul Project Assistant Office Support Agroforestry Promoter Agroforestry Promoter final_back_r 4/5/02 2:41 PM Page 35

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Daniel Lucas Ulpino Pablo Efrain Gonzalez Niry Ofelio Apen Xicay Jael A. Coello Field Operator Senior Construction Foreman Bricklayer Assistant Social Promoter Pedro Cuyuch Vicente Otoniel Gonzalez Guerra Wandy L. Coello Farm Supervisor Construction Worker Assistant Mitigation Initiative for Secretary Celestino Hernandez Communities and María D. Córdoba C IT Economic Activities Bricklayer Assistant Municipalities (MICAM) Administrative Eulalio Lopez Hernandez Manager Fancisco Marcos Aguilar Carpenter Julio Manuel Urias Bran Elias O. Dubón Technician, Non-Traditional Crops Wenseslao Hernandez Associate Director Credit Promoter Erick Flores Bricklayer Assistant Ivonne ScarlethRivera Palencia Carlos Durán Village Bank Coordinator Juan Gabriel Lajuj Iboy Trainer Internal Auditor Rigiberto Rocael Mendoza Bricklayer Assistant Lourdes Santos Milton L. Funes Technician, Non-Traditional Crops Pablo Lajuj Iboy Trainer Program Manager Rolando Ediberto Alonzo Pacheco Construction Worker Assistant Alejandro J. Funez Technician, Non-Traditional Crops Fidel Quisque Ic Local Environmental Policy Technical Officer Hermenegil Leal Quej Concrete Operator and Program Initiative Dora Guillén Technician, Non-Traditional Crops Domingo Luis Jimenez (LEPPI) Program Manager Bricklayer Brian J. Husler CIT Environmental Mitigation Carlos Humberto Munoz M. Arturo Villalobos Associate Director Construction Worker Team Leader Eva L. López Ximena Leiva David Soloman Manuel Paola Aragon Portfolio Supervisor Environmental Mitigation Assistant Bricklayer Project Assistant Aris J. Mairena Oscar Medinilla Miguel Angel Miranda Maria Isabel Bolanos Engineer and Technician Environmental Mitigation Assistant Bricklayer Assistant Environmental Advisor Rubén A. Maldonado Jerson Jeronimo Lemus Palencia Carol Magdali Thomson Nadia Gamboa System Coordinator Promoter de Miranda Environmental Advisor Wilmer R. Maradiaga Social Infrastructure Driver C IT Institutional Support and Supervisor HONDURAS Manuel de Jesús Medina AMVI/Infrastructure Daniel Pelico Montejo Driver Bricklayer Assistant Gloria N. Mendoza Rocendo Camaja Ajualip Oscar Rene Ordonez Procurement Agent Bricklayer Bricklayer Jorge F. Molanphy Isidro Chicoj Aquino Americo Belarmino Orozco Junior Technical Officer Carpenter Constructor Supervisor Mario E. Noboa Cristian Fernado Barrientos Patriarca Alejandro Ortiz Technical Manager Infrastructure Draftsman Construction Assistant Agustin Gomez Nuñez Juan Chavac Basilio Tomas Tomas Perez Financial and Bricklayer Assistant Infrastructure Promoter Accounting Manager Feliciano Rocendo Batzin Felipe Poou Lisa M. Pacholek Guadalupe del Carmen Nuñez Bricklayer Assistant Bricklayer Assistant Country Director Receptionist Melecio Gomez Benito Tomas Morente Ramos Wendy M. Alonzo Gloria Perdomo Bricklayer Assistant Bricklayer Assistant Office Aid Office Aid Matias Teletor Calo Salvador Quisque Raxcaco Dania Araujo Glenda E. Pérez Bricklayer Assistant Bricklayer Program Coordinator Accountant Carlos Campos Jorge Roberto Raymundo Rigoberto Arévalo Julio A. Pineda Associate Director Infrastructure Promoter Credit Officer Trainer and Programmer Manuel Vasquez Chiroy Elena Mendoza Santiago Flavia A. Arteaga Adan Ramos Bricklayer Cleaning Manager Accounting Assistant Guard Vicente Ajualip Chubaja Juan Manuel Sical Luz A. Artica Lourdes M. Retes Carpenter Assistant Senior Construction Foreman Social Program Manager Juan Humberto Cuxum Juan Teletor Teletor Communicator Angelina Reyes Bricklayer Carpenter Assistant Steven L. Beard Program Coordinator Jose Angel Dubon Gregorio Tzalam Tzalam Senior Program Oscar R. Rivera Bricklayer Assistant Bricklayer Assistant Manager General Accountant Francisco Ramos Garcia Luciano Raymundo V. Alba Luz Cálix Italia Rizzo Bricklayer Assistant Bricklayer Assistant Credit Officer Program Assistant Juan Ramos Garcia Ramon Cuyuch Vicente Noemí G. Carrasco Guadalupe Rodríguez Carpenter Bricklayer Technical Officer Accounting Assistant final_back_r 4/5/02 2:41 PM Page 36

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CHF INTERNATIONAL STAFF (Continued)

Mariana Rodríguez Suhad Zeyad Amareen Shereen Abed Al-Rzaq Qteimat Henrjeta Vula Bookeeper Group Loan Promoter Group Loan Promoter Business Outreach Julián A. Rodríguez Admad Atalah Al-Sulemy Jamil Mghanem Rawajfeh Consultant Program Supervisor Office Aide Office Person Agon Xharra Lesly G. Rodríguez Adnan Issa Dawdieh Ruby Salem Saqer Logistics Receptionist and Branch Manager Group and Individual Loan Advisor Senad Zherka Data Entry Clerk Wafa'a Abed Al-Hmeed Dmour Nesreen Ghazi Sharaiheh Guard Alexis Perez Rodríguez Group Loan Promoter Group Loan Promoter Supervisor Driver Lubna Khalid Farajat Jamal Mamdooh Susan LEBANON Dunia Sosa Branch Manager Individual Loan Officer Bookeeper Ol'a Defalah Farajat Hussam Abdalah Tarawneh AMEEN Angelita Tróchez Data Entry Individual Loan Officer Administrative Assistant Tahani Adnan Habashneh Hussam Mobark Thenybat Mayada Baydas Ernestina Valladares Group Loan Promoter Individual Loan Officer Program Director Office Aid Jamil Mohamed Hammam Fatima Khaleel Twasie Sabah Abdelsamei María E. Valle Accountant Secretary Loan Officer JTB, Tripoli Program Supervisor Mahmoud Hussein Hawatemeh Esam Odetalleh Zedaneen Ibrahim Ahmad Miguel Vásquez Individual Loan Officer Individual Loan Officer Loan Officer CL, Tripoli-Abdeh Technical Officer Kholwood Kamal Helawy Salma Ghasan Sayoud Teresa Vásquez Group Loan Promoter KOSOVO Loan Officer JTB, Marjeoun Office Aid Maysoon Jires Hijazeen Kodor Bazzi Pedro Villatoro Accountant Timothy Prewitt Loan Officer CL, Bint Jbeil Credit Officer Abdelghani Mohmed Hiasat Country Director Mohsen Chamoun Jenny L. Zúñiga Messenger Visar Batalli Loan Officer CL, Nabatiyeh Assistant to Dalal Haroon Hlalat Guard Maha Moh'd Ali Chawich the Director Group Loan Promoter Teuta Bedra Loan Officer CL, Tripoli Eman Refa'at Kabariti Secretary and Receptionist Dany Bou Chedid JORDAN Branch Manager Saranda Buxhovi Loan Officer JTB, Eman Saqer Kraymeen Maintenance Dora-Ghoubairy Rafael Jose Jabba Group Loan Promoters Vlaznim Byci Souheir Moustafa El Dah Country Director Supervisor Translator Loan Officer JTB, Burj Riyad Mohamad Abbas Sherin Hamed Madadhah Ibrahim Centa Elbarajneh-Ghoubairy Individual Loan Officer Group Loan Promoter Chief Accountant Soulaf Diab Tawhida Atta Abu-Dieh Raghad Fahad Madanat Milot Dana Financial Officer Individual Loan Officer Human Resources Supervisor Business Outreach Consultant Mohamad Faour Muhamad Kharee Abu-Huse Seif Adnan Madanat Dukagjin Dula Loan Officer JTB, Office Person Branch Manager Driver Burj El Barajneh Ahmad Jamil Ali Dina Asa'ad Majaly Memli Dula Ahmad Haidar Aref Haidar Individual Loan Officer Data Entry Business Outreach Consultant Loan Officer JTB, Ghoubairy Yehya Mohmed Al-Frahide Rezeq Atalah Marzouq Virtyt Gjilkolli Ziad Halaby Chief Accountant, Capital Driver Market Research Financial Manager Khaled Walid Al-Gazawi Sadam Ibrahim Mashaileh Coordinator, Pristina Marwan Sami Housari Operations Manager Office Aide Mirlinda Gojani Loan Officer JTB, Mazraa, Ouzai Zaki Fadel Al-Kafawen Jamal Fawzi Mekhael Driver Khalil Talal Jaffal Branch Manager Office Aide Shpend Jedrashi Loan Officer JTB, Tibnin-Kanna Haya Anwaer Al-Majaly Rula Abed Alah Muhisn Business Outreach Consultant, Bassam Jardaly Individual Loan Officer Secretary Prizen Loan Supervisor, South Area Khaled Omer Al-Muhiesen Glenn Moller Dashurije Mamusha Mohamad Hassan Jeradi Director of Finance Program Administrator Maintenance Loan Supervisor, Greater Rania Omer Al-Nassa Ghassan Abd Al-Jalyl Mrayat Agron Mullahansani Beirut Area Group Loan MIS Manager Workshop Trainer Mahmoud Khalaf Promoters Supervisor Ghassan Izzat Mustafa Meena Shah Loan Officer CL, Tyre Sameh Ibrahim Al-Rawashdeh Individual Loan Officer Training and Business Mazen Moustafa Khalifeh Individual Loan Officer Mariam Mousa Nasarat Development Coordinator Loan Officer CL, Saida Ahmad Atalah Al-Sulemy Group Loan Promoters Ferhat Shtaloja Moustafa Khalifeh Office Person Supervisor Guard Program Coordinator Wafa'a Mostafa Al-Wahed Ghadeer Dawood Qassem Fakete Shunjaku Ahmad Ali Lamaa Group Loan Promoter South Regional Branch Manager Workshop Trainer Loan Officer JTB, Saida final_back_r 4/5/02 2:41 PM Page 37

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Halim Al Mawla USDA Project Portofolio Manager, and Chief Sorana Pintoiu Loan Officer CL, Burj Elbaranjneh Program Officer Program Support Officer Hala Mekdashi Mohamed Chaaban Simona Albu Codruta Piturescu Program Assistant Driver Loan Officer, Hunedoara Loan Officer, Arad Mohamad Mneimneh Mohamed Chehadeh Pavel Balasescu Paul Pop MIS Officer Area Coordinator Legal Counsel, Hunedoara Chief Financial Officer Hussein Hassan Moukbel Wafaa Fawaz Alina Bernecker Vasile Stan Loan Officer JTB, Ghazieh Field Worker Community Development Accounting, Hunedoara Mohamad Nassar Ahmad Marzouk Coordinator Simona Stanca Loan Officer JTB, Nabatiyeh Field Worker Sanda Boroata Administrative Assistant, Arad Samar Safieddine Maya Masri Junior Loan Officer, Mehedinti Jean Stancu Loan Officer JTB, Buss, Kana Area Coordinator Sorin Borcos Loan Officer, Mehedinti Zeina Sabbagh Amal Moussa Legal Counsel, Mehedinti Adina Stoian Loan Officer JTB, Saida, Ghazieh Book Keeper Mircea Cristian Griesbacher Administrative Assistant, Abed El Rahman Zaghoul Site Office Coordinator Caras-Severin Driver and Office Assistant MEXICO Florin Covaciu Radu Toma Roza Zeineddine Site Office Manager, Hunedoara Site Office Manager, Timis Loan Officer CL, Eric T. Adams Albert Davidhazi Leontina Tompea Badaro-Haret Hreik Country Director Logistics Coordinator Development Manager Angel F. Garcia Viorel Deca Florica Vacaru REDI Executive Director, FUNHAVI Site Office Manager, Administrative Assistant Silvia Jaramillo Caras-Severin Cristian Vasar Ayman Abdallah Director of Finance, FUNHAVI Lia Dogaru Computer Network Chief of Party Extension Loan Officer, Alba Administrator Adnan Abdallah NICARAGUA Mona Ducan Mihaela Zagan Technical and Civil Engineer Administrative Assistant, Accounting, Arad Mohamed Al-Assad Peter Loach Hunedoara Dan Zaharia Field Worker Legal Representative Mirela Elchescu Software Developer Hana Beyrouthy Pedro Amaya Loan Officer, Timis Office Assistant and Secretary Program Coordinator Adrian Gârlonta SOUTH AFRICA Maher Chebaro Agueda Andino Loan Officer, Timis Field Coordinator Concierge Augustina Giolgau Mohamed El-Eit Mario Lopez Accounting, Caras-Severin Field Worker Finance Coordinator Dorina Gyaraki Abdo Haddad Patricia Moreno Maintenance Field Coordinator Administrative Assistant Calin Hulba Talal Hajj-Dib Alcides Peralta Extension Loan Officer, Bihor Project Manager Technician Cezara Irimias Hassan Hamzeh Misael Rodriguez Program Support Officer Finance Officer Technician Florea Kovacs Ghazi Issa Lorenzo Ruiz Legal Advisor Mathew Chandy Computer Engineer and Logistics Support and Mechanic Simona Mâtu Acting Country Director MIS Manager Donaldo Torres Internal Auditor Michelle Binns Bilal Kanaan Technician Razvan Mihuta CEBI Project Assistant Technical and Mechanical Fernando Zavala Legal Counsel, Arad Cheryl Currie Engineer Technician Monica Misca Islanda Bookkeeper Ibrahim Mansour Development Officer Nonqaba Dlula Technical and Civil Engineer P HILIPPINES Marcel Mihailescu Islanda Accountant Lina Maoula Legal Counsel, Caras-Severin Liesel du Plessis Accountant Randall D. Sach Adriana Minda Islanda Program Manager Nada Nassar Country Director Junior Loan Officer, Phil Goduka Assistant Project Manager Virginia H. Aldeguer Caras-Severin Islanda Executive Director Hayat Oulabi Program Assistant Viorica Muresan Chantel Jegels Office Assistant Financial Officer Islanda Administration Assistant Ahmad Singer ROMANIA Adriana Mutulescu Ralph Kilian Driver Administrative Assistant, Timis Islanda Project Manager Ziad Sukarieh Cristian Jurma Dan Orodan Solomon Kota Field Worker Acting Country Director, Site Office Manager, Arad Islanda Project Officer final_back_r 4/5/02 2:41 PM Page 38

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CHF INTERNATIONAL STAFF (Continued)

Bridget Loggenberg Kamel Saada Boban Cakic Elizabeth Poynter Islanda Administration Assistant Chief Financial Officer Driver Training Specialist Nolutando Maqungu Nawaf Abu Sitta Dejan Ciric Robert Poynter CEBI Administration Assistant Senior Engineer Accountant Management and Mandisa Ngqondela Darko Ciric Engineer Specialist Office Assistant HILP Community Facilitator Maja Radicanin Simphiwe Nqatha Sinisa Danicic Office Manager Accountant Alaa S. Sisalem Financial Officer Darko Radicanin Monica Nqinileyo HILP Program Director Vucenovic Dragan Program Assistant Office Assistant Abed El Naser Kh. Khayal Logistics Coordinator Dragan Radivojevic Dalikhwezi Ramncwana Collection Officer Milorad Dzincic Engineer CDP Coordinator Hala H. Naser Engineer Vuk Radosavijevic Jasper Skosana Database Coordinator Aleksandar Fragner Logistics Assistant CEBI CBEC Manager Salwa H. Nasser Contract Specialist Fatmir Rexhepi Hilary Stewardson Secretary Krsta Gilsic Senior Communications CDP Manager Bassam Sh. Al Niwairy Community Facilitator Facilitator Pumlani Tyali Messenger Selim Ibrahimi Miomir Ristic CEBI Executive Director Atef Sh. Ouda Engineer Engineer Chief Engineer Bojan Illic William Seas WEST BANK/GAZA Kamel Abu Saada Driver Director, Finance and Administration Chief Accountant Zoran Illic Zivan Simic Mathew Lovick Community Facilitator Community Facilitator Country Director PEIP Bosko Janjusevic Dragan Spiric Driver Community Facilitator CRSP and VSP Liesbeth Maria Zonneveld Jovan Jovanovic Danijela Stajic Program Director POC Operations Manager Community Facilitator Henri Disselkoen Khaled Akram Arafat Dragan Jovanovic Bratislav Stamenkovic Program Director Deputy-Program Director Community Facilitator POC Operation Manager Amal Al Azzeh Ola Omer El Haddad Liman Kadriu Ljilljana Stojanovic Deputy Program Director MIS and Office Manager Translator Accountant Salwa Faqawi and Training Coordinator Nathan Koeshall Bilijana Stojic Community Specialist Nael Ahmed ElJamala Project Coordinator, Presevo Community Facilitator Hala Ghyada Head of Operations Dejan Krivolapic Zoran Stojkovic MIS Manager Alaa Rafeek Skaik Internal Auditor Engineer Hani Ghyada Financial Controller Samet Latifi Zarko Sunderic Junior Institutional Specialist Nawal Rabah Zakout Community Facilitator Communication Specialist Justina Gray Senior Community Margarita Lesevic Alexander Swanwick Office Manager Participation Specialist Community Facilitator MIS Coordinator Suheir Jouda Ivan Luzanin Simo Vasilevski Community Specialist YUGOSLAVIA Accountant Community Facilitator Khaled El Kazimi Timothy Madigan Lidija Velinov Clerk Brian Holst Program Director Accountant Abdel Halim Kurd Country Director Nikola Marjanovic Dragoljub Veljkovic Senior Engineer Tatjana Andrijasevic Technical Director Driver Ziad Nabahin Administrative Officer Aleksandra Milacic Wojciech Wojtysiak Institutional Specialist and and Translator HR Coordinator Program Manager, Vranje Accountant Ivan Antic Danijela Mitrovic Ljubisav Zaric Adel El Najjar Community Facilitator Translator Engineer Senior Monitoring Specialist Milena Antic Milovan Mlandenovic Predrag Zdravkovic and Economist Administrative Assistant Administrative Assistant Accountant Mohamed Al Rabai Joseph Baaklini Goran Momcilovic Sanja Zivanovic Photographer, Messenger, Engineer Community Facilitator Executive Assistant and Driver Milan Babovic Mirjana Nuhijevic Svetiana Zivkovic Jawdat Abu Ramadan Translator Community Facilitator Engineer Junior Monitoring Specialist Borislava Blagojevic Ivan Pavlovic Boris Zlatanov Saad Rizkallah POC Operations Manager Engineer Community Facilitator Deputy Program Manager Slavisa Brzakovic Irena Pavlovic-Kostic Nenad Zlatanov Engineering Engineer Administrative Officer Driver final_back_r 4/5/02 2:41 PM Page 39

IN MEMORIAM

On September 18, 2001, CHF lost two staff members on a flight that crashed upon takeoff in Guatemala City. Arturo Villalobos and Maria Isabel Bolaños Ortiz were highly regarded professionals who will be missed by CHF and the Central American communities that they so self- lessly served.

Born in Costa Rica, Arturo had managed CHF's Local Environmental Policy and Program Initiative (LEPPI) for the Central America region since 1996. An experienced and effective administrator,Arturo had held senior posi- tions in government, private and international organiza- tions in Costa Rica and Guatemala. He had extensive aca- Arturo Villalobos demic experience teaching at the university and commu- nity levels. He held a master's degree in Agricultural Economics and Marketing from the University of Florida, Gainesville and a bachelor's degree from the University of Costa Rica, San Jose.

Maria Isabel Bolaños Ortiz worked as an architect with the LEPPI program for two years. She had received a master's degree in Natural Resources Administration from the Instituto Centroamericano de Administracion de Empresas (INCAE) and a master's degree in Design, Planning, and Environmental Management from the Maria Isabel Bolaños Ortiz University of San Carlos, Guatemala. Her work experi- ence prior to CHF included administration and feasibili- ty studies of various ecological projects. final_back_r 4/5/02 2:41 PM Page 40 frontside 4/5/02 3:06 PM Page 1

 50    

International

8601 Georgia Avenue, Suite 800 Silver Spring, MD 20910 USA Tel (301) 587-4700 Fax (301) 587-7315 [email protected] www.chfhq.org

2001 PROGRAM REPORT

BUILDING A BETTER WORLD International E THIS REPORT WAS PRINTED ON RECYCLED PAPER USING ALL-NATURAL SOY INKS