and governments that go crazy for your data. we explain how these technologies work, how they can go wilson for that's how they can also go terribly. what you know, new to ah, across the capital of ghana in west africa. linda is a young gunny and woman who dreams of starting her own business. here. she wants to open a hair salon, but it won't be easy. some of the money she needs to get going will come from her family who live in germany. linda stepfather is one of the many africans who transfer money back to their home countries each month, globally. these so called remittance payments total around $600000000000.00 every

year. that's more than all development. 8 combined one month. yes. awesome. when you live abroad, like we do in germany, your family back home usually doesn't leave as comfortably as you do missile. oh, good, good. that's why it's really important that we support our families back home with the formula in the how much distressing. so if you have a parental support you there by the at least it helps with also me. my parents, i'm elected person. i always say, i'm glad i have love you fairy. ah . linda lives alone in a suburb of acura. years ago, her mother moved to germany to be with her step father. after studying at university, linda was unable to find a job. she gets by doing various things and through support from her parents in germany. she lives for because she's determined to achieve her dream of owning her

own hair salon. market. oh yeah. every other wednesday she travels 30 kilometers to a market where she can get groceries for a reasonable price. yeah, galleria, that's our issue here. we are re, they, you know, software here use you read it that you had with your parents when everything by no definite job. yeah. very difficult on the way to the market. she stops at an a t m. her parents make sure she has enough money for the essentials. every few weeks, she gets a bank transfer from germany. they sell it to support a monthly my bill is pay my bills are home. as opposed to me with food stuff life, i guess for myself, i will do i hey, you know, i'm a lady. yeah. does it? i'm glad you said we need a supporting anyways, because in donna, there's

a long tradition of sending money home from abroad. i was a spoke up our course i yeah, here if lie, if you not less a you don't have a eds or a appearance and so forth. she gets a real feeds in l. yes. so if a law thing here, i don't lab, they buy here and on market, most other families id love to support each other. that's how i think it is an offer on things like money and standards. linda isn't, or that she still needs to manage her money. well, give them shopping at the market. requires some haggling. there are no fixed prices here. linda can't afford her own car. she takes the boss instead. that's sometimes been a pain during the pandemic, but it's the only option. and with chris, chaotic traffic driving is hardly

a pleasure. she knows from her mother and stepfather, that some aspects of life might be easier in germany. now, good, we are good yet. but if you had that opportunity bay fabica had this when, when is in classes here? you my by with my friend is building a house here. he said, she said that they f e z built into such as was, was a bit on how often those i thought i had was in the i thought that would go to mail with different they see me. i'm yeah, a gun. i went to the same school to see. i love nothing to show in a few 1000 kilometers away in the german city of mannheim. it's early morning and linda's step father is on his way to work. a quasi, i do say, came to germany as a student almost 30 years ago. he's lived in mannheim ever since for many gannons,

immigrating is part of life. not the most vol. busy so i was one of 8 children. the 4 older sister stayed and gonna, and the boys all moved abroad. i've got a tourist and the amendment i'm gonna on via the brothers overseas, all support the family, the buddha in off. we've been doing that ever since. we started living here in germany. lucky besides you? here in brooklyn, fuller, we're definitely not just his own children. other relatives also ask a quasi for money. dr. on good allah and to the uncle, the whole family was we helped them to go to and got people. and gonna always expect that when someone comes from abroad or lives abroad, or does that though, support the rest of the family good before really on. that's what we do. so those levels of course he lives on the outskirts of mannheim with his wife and linda's half brother. he has a job with the u. s. army he finds to pay ok,

but even so, there isn't much money left at the end of the month. in order to give regular support to their daughter, linda. the family has to economize and save many migrants in the diaspora. irene, a similar situation, but a quasi has discovered something that might help. a friend told him about a project called we do, which aims to support people in countries like ghana. the goal is to create new jobs in africa. this extra support will be just what linda needs a quasi and his wife christiana would love for their daughter to become independent and for linda, her own business would be a dream come true. that it is where it would be goes on, is not only selling and buying buy. yeah, she got also a little hard to do. yeah. her friends, she wanted to do len. this, the briggs briggs then bit loss and way obviously i think of she have a very dreadful grip. would you are found on the wow at linda old bring half of the

money you before to put it in. just supportive to half of it. then when to put the started and renewals will bring another 50 percent to to liquid. oh, how to who got linda's mother christiana went to germany 18 years ago, leaving her 2 daughters with their grandmother. something not uncommon in ghana association court. not all of us can come here. so when you are here and you support from one home, still there do from tim you can find from to for yourself. i think is very good idea. that not everybody will because a rope is not for everybody. a lot of me, i know why i am seeing that. so for me, i think is the, the idea they called a daughter in accra. linda, good one. hi. how you doing?

i'm fine. i'm doing good. and for example, in the business will cost you lexi, as he told linda about the we do project a few days ago. now they working at how they can each get their own share of the funding together. why i'm are funded zeroes for example. then i think this is it, as your father was a support you the other 50 percent, which is the from the use of talk with mommy and i have already prepared to support you so that you become self sufficient for the future. okay. wow. thank you. high school. thank you. and i'll be always bad monday. yes. yes. it is so back mountains. that's how things are done. back holiday div shows was were lung as long as the children still need support from the parents, with the parents do it in the smoking. gemini, state development agency, g, i said, has been implementing the weedy project for the past 2 years of project director of

vol fransen. so the strategy is as simple as it is successful. gifford and their ownership, we support all sorts of different projects is at the small and micro levels of business and he just fell down this christ phone and everything from a small hair dressing business to a car mechanic at your small i t start up regarding somebody taking their 1st steps as an independent programmer, i'm yolanda we support lots of different sectors. her canceled her, she did a coin to perform. and you know, linda is successful. would you get an accurate for a hair cut to preserve? does myself unify, i'd love to do that ish. in fact, before covered when i was make my business trips, i often got a haircut on the spur of the moment of my son was it? i'd love to do it and gone to 200 zagan authentic, get to know the entrepreneur personally. it can lam before that can happen. the family has to get its share of the funding together.

when a quasi in christiana, do their shopping and manheim, they still love going to their local african grocery store. and i did install ona joanna, i re, has been in germany around 2 decades, which came with her husband who has since passed away. she sells yams, mangoes and the spice is a quantity and christiana, no, from back on. yeah, yeah, this one. yeah. the army from gun up at the plant in from south america. oh, yeah. normally the peabody thought read that did no my have my fingers left. i left it okay. i one, you know i'm, i'm not a type that i send money to my my family. i take care of my mother. i was taking care of my mother for that. it was made you to because i was the 5th fez daughter for my mother, faith tight. so is my responsibility to take care of my mom. but after my mother i

live i dont and i have nothing to do like money, money with call today. i've called my brother, how are you? what i do, but we don't talk about selling money because they are old. they are not young family. i christiana works as a cara for the elderly. she spent 18 years living in germany without her daughters, neither linda nor her sister have been able to visit her in mannheim. christiana only troubles home for a few weeks every couple of years. oh yes, sometimes. oh, it's her, it's pain. sometimes you feel it's that you'll miss them all

you wish to be with them together? about what can i do? i mean i for begin it. it was for hard. for me. a by now. we're miss their mia. when we go home, we feel i told them i would go and visit a lot of that before asked me. oh christina, when are you going back to go now? mazar warburg to gonna, but i'll come back here is my 2nd hall. meanwhile, chris john, his daughters of building their future and gonna a few weeks later we had to our crap. our taxi driver gideon has an uncle in germany to it. it seems video and isn't as lucky as linda when it comes to getting financial help from relatives. and this is supporting his family. i'm gonna, i'm gonna no, no, i was at a true because only a small for me wireframe, the keys. but when we need something, we are same results,

the same story stories all fit will live for his life. the house linda lives in is still incomplete. at some point, her biological father ran out of money for the building work, but she is making progress toward her own dream. the 1st installment of the we do project funding has arrived. she could now start planning her hair salon business. it's an exciting time for the entrepreneur to bait those different because and i was like, i'm building something for myself. oh, so well main that told me about it and know how it was like a good, a great opportunity for me to just ask something for my own. so i'm happy to become a business woman here and be happy to become my own both the know yay! the next day in the sets off full of motivation and with the new hairstyle to there's a lot she wants to learn in the next few months. so far she's operated out of her

home, dealing and ready made waves. but she wants to be able to parade die and do everything else that comes with running a hair salon. hey, pieces and extensions have a central place in gummy and fashion. linda's friend gladys has been running a hair salon for years. she's showing linda the basics. mm. hm

and then it may become like today's my face day and then how are you okay, sounds good. thank you for the change in take. okay. just make sure it's okay. my one has a teach me how she's back that much. she also like me to a home before she go to shop. so i want to show me how she gets initially, you know, when it gets mentioned, you have to pay for the rates like 5 years. that's what you pay 5 years. whenever you get a book from someone, i think it's it's, it also helps me to me money when my business goof money. and now i'm on my feet right now. i don't have that kind of money.

so one step at a time to start linda plans to continue selling henry's from home. the journey to our christ central market takes 90 min. this is the best extent once a song, the selection. but the main reason linda shot is because the price is a good back in her neighborhood. she can sell the hair pieces for small markup generation, a profit for her project. the everybody has the prices here because i went to the print shop, but it was expensive when i came in there prices, it's literally low. so that's why i buy my hair for me. and i like customer service . when you conscious smiles with you and you know she's not good for a very nice and you know, i feel almost by the next day planning for the song

continues. she is visited by solomon to me, a business mentor working for the we do project in ghana, the consultant waste no time in asking linda the most important question of all why the head is not anything else. i can see i was i was just looking at the markets to know what is going with the ceiling. i don't put money into something like granted, you know, look up my money. the most important aspect of the coaching program as to what we need to finance, to make sure that they are coming out of business model. that makes sense for whatever idea they have or whatever. running with as the model that will determine how the business functions and how we growth. what i'll see linda has found

a very good sports, grateful to start from. given that she is an effect where there's enough demand, especially to make her actually profitable and grow their business to the extent that she can even hire people. i'm glad i'm here to be. no. in fact, i really want to talk more about counselor gets no more. i wanted to give you more ideas about how to play with my business, how goods go in house, even explain myself. and i really need more coaching interest in if we see the location that you are already a few hair salons inland neighbourhood a how the saloon versus the coastal well i think actually when you look at the targets that you are selling to, it makes

a lot more sense to have one active online presence because you're selling from millennials, younger generation and they are very more engaged online. so doing a lot more online sci fi, of course. and for the business clients, the chairman development agency g, i said pace for the cost of the business mentoring for, for the next few months. solomon will give linda advice and help her on her way to becoming a self sufficient entrepreneur already weekly basis. check up. he sees his role as the perfect compliment to the private support linda's getting from her family than having a physical shop away. you still have to pay for rent. you have a wealth of to deal with, or that the payment from the diaspora into gonna those when it comes out very, very important and critical. i don't have the figures read me to give you. but when, when you do the economy statistics, the remittances that comes into dana form abroad,

especially germany once is hundreds of years. and that comes in to serve as the form of a catholic funded without a panel. i don't think i would have had that kind of progress and development that healthy by the fine though not everyone is benefiting from that progress. many people are gonna still live below the poverty line. the average wage is just a $110.00 euros per month. some scrape by recycling items from garbage docks, including electronic waste shipped from year after all, not every danay and has relatives in a wealthy country. linda knows that at the end of the day, she's in a good position. linda's, happy to get a visit from her sister. i rain there preparing a meal together. our cargo read with our hands.

follow up on this. hey, i really lives outside are crap. she and her children visit linda whenever they can . i rein doesn't depend on financial support from her parents. her husband earns a decent living with his job as a teacher. did the 2 sisters feel abandoned with their mother left them as children? come back. okay, actually now i'm going to, i don't really feel that there's something you feel lonely. you wish you have all your family. you know you, richie, i say with your mom, your dad you thought your brother like my son, faith law here. she can play with the record a kiss on vacation if they are not here, you know south a full only by a half lansing stuff in the house. think i'm doing so so it doesn't make me fuel. think about it too much. the honor. spencer. i yeah, we are human some very poorly, so you miss your family are on in beds love you got what kind of linda know,

some german phrases ready in case she takes a trip to visit her parents. i know good login booth and fad with the album l. my law a v give it to begin with the banker, elm ah, i own okay. own mm. linda's dream is slowly taking shape. it's a dream that doesn't involve leaving home like so many other ghanaians do bank in mannheim. it's saturday and linda's step father doesn't have to work. but he still gets up early in the morning. as well as his own family ties to garner

a quasi. a do say is also chairman of the gun. a ann dias per community in germany went through dusty mike, 1212, testing what, what, why samantha, he hosts a radio show for carnations living in germany as he says, obviously, well, this is very, very important here. within his control field, there are so many radio stations here, but most of them are only and terminal butch migrants want to know what's going on in their home country wanting be some bus in your how my boss at the sending it off . we broadcast in english and also in gunny in languages. it's very important women for student was very people understand what's going on here in germany when we explain everything in those languages. there. oh, a non with the topic today is all about remittances payments from the diaspora

to gonna williams a quote. they know you bought some see ologist who has lived in germany for a long time. how useful is this ideal from windows is were people living in germany and advice were helping the country younger? oh, so i think out with remittances, it is not only people living in germany who are remitted to family or with transfer money to family. i am even if you're living in ghana and you're working in the north, are you awaken in the kumasi? so depending on where you are living, it's a whole family structure or social support system that we have in place. deep joy, t as the germans reliant states. while we rely on the family rag yearly nga because in ghana the government can't do much furnace. martin b in germany. if you don't have a job, you go to the unemployment office kind drop. if you're sick, there's health insurance and social programs,

frank and frank and for the several books with yeah, there's always something in the system that benefits the people. him say hello, but for us it's the family emma. i am the common about by owns as a family ah. in on sunday it's time to rest. the a do say family eats unless you leave breakfast together. well, whenever we're in morrisville, are you doing? when they're all together, they tend to speak english. at the meal looks like a typical german breakfast, and i are home to would to me more than a 100 you would soft or her hand delivered the night before. okay. a clancy fills them in on linda's progress in ghana. after

she went to children, just started, the atlanta missile very shouldn't and which would be her own boss doing it herself in tears. nathan has never lived with his step sister's his own. he met her on short visits to garner, but the 2 still have a close relationship, says vas mission, conduct homeless. it was a childhood dream for me that she'd come here and she's my sister. and he used to get sad that she wasn't here. when you mentioned gun over me, guns and bush after we would visit ghana, i was always sad and i'd say to my parents when she coming here talk on linda's to use. i have a good relationship with my other sister to and from 5 up. but i think i'm closest with linda lice, matthews, as often you are like, the other one is already married and has her own children as what he has grown up and you've been with the younger sister. it's more like where buddy sandra is from work. we asked nathan whether he might have preferred to had some of the money. his parents had sent to lender over the years coming like exquisite miss rosa,

honestly. now disposal, i know when they send it to us, since lycos of i have enough things here in the hope he, i wish knudsen and are fewer opportunities there. also my mil vinegar here i have more options, open to me maps you often wonder as a good reason to send them money. they're gone. so i go see the soda and shaken real. who does this of but that is already with miss mary. oh it, our hope is that now we won't have to keep sending something each month to support her, as is delivered yet. so certainly she'll become independent. that album is of what in and she won't expect us to keep helping out every month. one does to some got it. okay. now it is a ok, i mean, electron fills that will make everything easier. knowing there's a bright future ahead image. he understood as we were hoping for the best who fingers or alice. good. good. loved her. yeah. linda and her family,

i just one example of the millions of my that supporting their loved ones. back home. these a family size that span the globe with in the future. a quantity will be counting on his daughter to make her own white. but if things do ever get ties, he can rest easy knowing he still has a list of all the money transfer offices around town. ah, ah oh, oh he co india. all pollution is

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