Opportunities easily accessible to us that we take for granted are often extremely limited for many in the world’s poorest places. Generations of people are locked into the poverty of subsistence farming or working for slave wages—with no alternatives. They can only dream of gaining skills or capital that would make it possible for them to participate in their local economies at a higher level and lift themselves from poverty.
People who start businesses must have some capital to begin, and so most need a business loan. But what if you were so poor that you had zero collateral and no banks would give you a loan? Such is the plight of many of the world’s poor, including millions of honest and hard working followers of Jesus. Banks won’t even lend them $50. Shouldn’t their faith in Jesus, however, and a consistent testimony be enough collateral for fellow believers, like us, to trust them with a $50 loan or more?