My houseworker said to me this morning, “Lend me money so I can buy a cell phone.” She has been wanting a phone, and this is not the first time she’s asked me to buy one for her or lend her the money for one. Granted, I already know her husband has a phone, so she does not actually need a phone. She just wants one. Now in telling you this story, it is not meant as an insult to her, but I feel this is a cultural thing and feel like informing you of it, as you’re not over here…
I suggested she set aside money and then in a few months she would have enough saved up to go buy herself the phone. Her first response, which is very typical here, was that she can’t save money because if seen with extra money, her kids, husband, family, or anyone will come asking to borrow it. And this is true. I immediately saw her point. Because in this culture if something is not being used, anyone has the right to come ask to use it. And if you have extra money, even if you’re saving it for something specific, the immediate needs of the other person take precedence over your future need, and you are inclined…expected… to lend them the money. And then you never know when or if you will see it again.
So I suggested that I would hold onto the money for her. Then her family wouldn’t see and therefore ask for the extra money she’s saving. Her response, like that of a child, … again this is a cultural thing, not meant as an insult to her… was, “But I want the phone now. I don’t want to have to wait a few months.” You have to also understand that this is not the first time I’ve leant her money when she needed it. But she’s usually telling me that her kids don’t have soap or clothes or something like that. And I don’t have a problem lending money if I know it will be repaid. I reminded her that if she borrows money now, and I take it out of her monthly earnings for the next several months, she will be tempted, particularly in August, to come asking me for more money. Ramadan is in August, and people are supposed to buy a ram to slaughter and are supposed to purchase new clothes for their family. So I reminded her that this is coming up.
I wanted her to think this decision through and be wise with the money she has. I told her I wanted to hear that, even if she buys this phone, her children will still have food to eat and soap for washing. I almost had to laugh at the innocence but ignorance of her response. She said her children will still have soap and food because before she had this job, God still provided. Though I know that’s true, I reminded her that it was God who gave her this job and that she can’t expect to spend her money on something she wants and go without basic needs being met, expecting that God will provide more than what He already is, that you can be foolish with what He has given you but expect Him to still give you more. I feel like what I was trying to explain about stewardship, simple as it was, was understood but not grasped. She understood what I was saying, but I could tell it the reasoning wasn’t registering with her. I left the decision to her and told her I’d have the money on Monday but that before giving it to her I want to hear from her, “If I buy this phone, my children will still have food to eat, clothes to wear, and soap with which to wash.” So we’ll see what her response is on Monday.
Now, I was raised by good American parents who taught me the value of saving money and the rewards that come from that. But in this culture, it is completely foreign to them. And they really aren’t even given the opportunity to set money aside, even if they wanted to start doing so, because someone will come to their door demanding that they lend it to them. And I hate that they can never understand working hard and saving for something that they really want and never see the satisfaction that comes from it. But I’ve said before and I say again… what is different in another culture is not necessarily bad, just different.