34 | SMALLHOLDER DIARIES CASE 1 JUGGLING MULTIPLE INCOME SOURCES TO REPAY DEBTS: BERTHA (TANZANIA) £ertha too part in the Smallholder ‰iaries in Œan—ania­ She lived close to the main road in her village­ Her husband died, leaving her to raise their five chil- dren, ranging in age from four to ‘’ years old, by herself­ £ertha was nown as a good neighbor and always helped those who came to her with a problem­ She wored hard to provide for her family, leaving her house early in the morn- ing and returning late at night­ She focused on agricultural production and relied primarily on selling potatoes, eggs, and sometimes mai—e­ She also had a number of other income sources­ £ertha collected and sold grasses and timber in the neighborhood, provided casual labor on other farms, and from time to time she received money from relatives outside her household (i­e­, “resources received”) (see igure ¡)­ €n addition to providing for her family, £ertha was also motivated to tae on a number of „obs because she had several outstanding debts with different groups­ Œhese came about in ‘’…“ when her sister-in-law needed an operation during childbirth and her brother borrowed a large amount (©S±Ÿ“Ÿ) to pay for it­ ©nfortunately, soon after taing this loan, £ertha’s brother fell ill and stopped maing payments on it­ Œhe lender wanted to sue him and sei—e his assets to recover the debt, but £ertha stepped in to help her brother­ She started borrow- ing from four informal groups, two local shops, and four other family members and friends to help repay the loan­ FIGURE 8: Income from multiple sources: Bertha (TANZANIA) (US$) $70 $60 $50 $40 $30 $20 $10 $- JulAug SepOct Nov Dec Jan Feb Mar Apr May Jun Casual labor Agricultural income Self-employment Resources received Rental income Broker income

Financial Diaries with Smallholder Families - Page 47 Financial Diaries with Smallholder Families Page 46 Page 48
EXECUTIVE SUMMARY METHODOLOGY SAMPLE DEMOGRAPHICS
CHAPTERS
1. Income Sources 2. Patterns Of Agricultural Production 3. Income Volatility & Agricultural Production 4. Risk Mitigation 5. Household Financial Portfolios 6. Access To Mobile Phones 7. Implications For Financial Solutions
APPENDIX