Banku Laiha Moru: Hametin Komunidade Agríkula iha Timor Leste

Komunidade rurais Timor Leste, barak liu mak depende sira-nia vida moris ba agrikultura. Tanba agrikultura dalabarak sazonál (musiman), maka ida ne’e bele signifika rendimentu bele hetan husi ne’ebá. Durante tempu koileta, iha agrikultór barak mak iha fonte rendimentu ne’ebé sufisiente hodi kobre sira-nia nesesidade, maibe iha tempu balun durante tinan tomak nia laran dalabarak laiha konta (tabungan) ne’ebé atu depende ba.

Counting money in front of all members

© Wayan Tambun

Inconveniente, ba maioria traballadór rurais, momentu gastu makaas akontese wainhira laiha rendimentu ba umakain no mos ba familia, espesialmente iha fulan Jullu, Agostu no Dezembru. Periódu gastu makaas ida ne’e mak hanesan wainhira labarik sira tenke halo enrolamentu ba eskola no mos ba universidade, preparasaun Natal no selu traballadór sira ne’ebé prepara natar, ne’ebé halo deskontente atu maneija rendimentu ne’ebé ki’ik.

Hanesan rezultadu husi problemátiku ne’ebé mosu iha kaixa de konta (tabungan), obriga agrikultór barak atu involve iha prátika empresta osan, ne’ebé halo sira monu ba debe makaas no menus kontrolla iha sira-nia finanséiru.

Seeds of Life hahu ho inisiativa rai no empresta osan iha fulan Máiu 2013, bazéia ba esperiénsia ne’ebé hetan husi grupu iha Oecusse. Inisiativa ne’e nia objetivu mak atu hametin propriedade finansiál no kapitál sosiál iha komunidade rurais nia le’et. Para sistema ne’e bele funsiona ho di’ak, maka kada fulan membru grupu sira halo depózito regular, no nia total fó empresta ba membru grupu ho funan ne’ebé konkorda antes tiha ona. Sistema ida ne’e fó kondisaun siguransa ba membru sira, no fasilita individual sira atu hetan asesu ba empresta sem rísku ne’ebé akompaña no mos laiha empresta ne’ebé illegal.

Hametin kapitál sosiál ida ne’e akontese organikamente, no hamosu konsiénsia solidaridade, responsabilidade no disiplina, enkuantu eduka mos komunidade sira iha area investimentu no planeamentu finansiál. Tanba ida ne’e hanesan projetu ida ne’ebé hala’o-rasik, maka kada grupu responsabiliza ba estabelesimentu no akordu kona-ba osan nia funan no estabelese mos regulamentu ne’ebé tenke kumpri hamutuk.

During the profit sharing in FA Naroman

© Wayan Tambun

Projetu pilotu rai no empresta osan estabelese ona iha Produtór Fini Komersiál (PFK) Fitun Leste iha suco Tequinomata, distritu Baucau no PFK Naroman iha suco Fahilebo, distritu Liquiça iha fulan Máiu 2013.

Inisiativa tinan ida nia laran hatudu ona sinál susesu ne’ebé komunidade sira halo ona progresu signifikante, sosialmente no mos finansialmente. Integrasaun atividade rai no empresta osan iha PFK prova ona nia benefísiu ba membru sira wainhira mosu asesu ba kréditu no investimentu.


Durante tinan fiskál primeiru total osan ne’ebé fó empresta ba membru PFK Fitun Leste iha distritu Baucau mak US$4,584: $2,028 (44%) ba loke negósiu, $540 (12%) ba hadi’a/renovasaun uma, $460 (10%) ba tratamentu médiku, $1,166 (25%) ba edukasaun, no $390 (9%) ba investimentu iha hakiak animal (pekuária).

Enkuantu PFK Naroman iha distritu Liquiça, total osan ne’ebé fó empresta iha tinan fiskál primeiru mak $5,576: $35 (6%) ba produsaun ai-han, $1,740 (31%) ba negósiu ou loke kios, $200 (4%) ba investimentu iha hakiak animal (pekuária), $ 200 (4%) ba investimentu iha agrikultura, $100 (2%) ba tratamentu saúde, $1.036 (18%) ba edukasaun, no $1,950 (35%) ba hadi’a/renovasaun uma.


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