No more debt slavery!

There are various reasons why people live in debt slavery. In some situations, they choose it themselves, but in many cases, it is the only solution—such as paying an unexpected medical bill. The sad reality is that such debt is often passed down from generation to generation.

Financial exclusion

For many people in debt slavery, it involves (day) laborers who do not qualify for loans within the formal financial system (financial exclusion). As a result, they are forced to take out loans privately. In many countries, high interest rates (+20%) are common, and this group—often low-educated or unskilled—pays even higher rates.

The reality of the day

The lender in the private sector benefits the most from the loan agreement. In many cases, the interest paid by the debtor is so high, and their income so low, that repaying the loan becomes nearly impossible. This is why it is often referred to as debt slavery, with all its consequences.

Pakistan

The largest industry in Pakistan where debt slavery occurs is the brick kilns. Depending on the amount borrowed, a quota is set for the number of bricks to be produced. The higher the loan, the more family members are required to meet this quota. Since these factories are located outside cities, there is little to no oversight from local authorities, increasing the risk of exploitation.

As a result—witnessed firsthand—it is common for children to work long, grueling hours. Because of their labor in the brick factories, they are unable to attend school, leaving their chances for a better future nearly nonexistent.

Onze aanpak

• Visiting the Brick Kilns
• Relief Actions (lees meer)
• Scout
• Getting to Know the Families
• Creating a Plan Together
• Signing Agreements
• Freeing Families
• Relocation
• Guidance and Support

Relief Actions

Through various initiatives, we aim to make life at the brick kilns more bearable. By visiting these sites, we also get to know the families and connect with the people there.

Actions We Undertake and Support:

• Distributing food packages
• Providing warm blankets for the winter
• Children’s programs (singing together, shared meals, and activities)

Scouting

By visiting the brick kilns, we get to know the families and their stories. These stories range from well-considered choices to situations where there was no other option. Naturally, everyone would like to be free of debt, but that alone is not the solution. Many are accustomed to this way of life and, when in need, will take out another loan.

That’s why “scouting” families who truly want a different life and are willing to take action and cooperate is key to a successful transformation.

Freeing and Coaching

Before proceeding with freeing a family, the steps and plans are discussed together. An agreement is also drawn up with the terms outlined—for example, the family may not return to a brick kiln or take out a new loan elsewhere without consultation. This agreement is signed by both parties.

For most families, it is better to move to the city, where the chances of employment and access to quality education are greater. We assist in finding suitable housing, appropriate schooling, and work opportunities.

Most families require a monthly financial allowance to make ends meet. For each family, we assess their financial situation and determine the necessary support. They will continue to receive this allowance from the stOne International Foundation as long as needed, with the ultimate goal of achieving full self-sufficiency.

The families we have set free

Ravi Family

In 2020, Ravi’s family was the first we freed. Following a tragic pregnancy and facing a massive hospital bill, they were forced to take out a loan from a brick kiln owner. After being freed, they were able to return to their own home, and with monthly support, the children could go back to school!

Khursheed family

A mother of five children, forced to work at the brick kiln to repay debts after her husband passed away.

Initially, despite the agreements made, the family did not want to move or work elsewhere. Fortunately, after some time, they relocated to the city, where better-paying job opportunities are available. This also provides improved prospects for the children’s education.

Ashi family

A third-generation debt slave is finally free! A remarkable story and a huge victory for this and future generations. Life had been extremely difficult, especially with a disabled son requiring extra care and expenses. Now, there are multiple sources of income, and the youngest children are able to attend school!

Ashi 2 family

A young widow with five children, forced to work at the brick kiln due to medical bills.

What a joy to be able to free them (just like her brother and his family) from this dreadful situation!

They are now settled, and the children are back in school—a fresh start for this and future generations.

Gul family

A beautiful love story… unfortunately with disastrous consequences. Eager to marry, they took out a loan at the brick kiln.

In 2023, twenty-five years and five children later, they are finally free from that life.

What a celebration! They have moved to the big city, the children attend better schools, and the father is working. What a transformation!

Nasir family

An incredibly hardworking family that, twice, ended up at the brick kiln due to high medical bills. The first time, they were able to work their way out on their own. The second time, we were able to lend a hand. Now that everyone has work, they no longer require monthly support!

Would You Like to Help Free Families?

We are looking for individuals, companies, organizations, or other funds that want to contribute to the BeFree! program. This allows us to free families and guide them toward a better future. Do you think it’s a good idea to invest in a family? We’d love to hear from you!