Micro-Loan Ministry

“But seek first the kingdom of God and His righteousness, and all of these things will be added to you.” - Matthew 6:33

In Need of an Opportunity

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?   

Pictured above is a family in a remote Myanmar village displaying some of their produce that is helping them lift themselves from poverty, all due to a $100 loan used to purchase seed.


A Hand Up, Not A Hand Out

Because continual handouts can do more harm than good, helping people help themselves is the best form of charity. Robert Lupton, in his book Toxic Charity, says it well:

Give once and you elicit appreciation. Give twice and you create anticipation. Give three times and you create expectation. Give four times and it becomes entitlement. Give five times and you establish dependency.

God is providing a way to convert crippling dependency into lasting sustainability through this ministry.  Dreams are coming true for thousands of poor believers in Asia, Africa, the Middle East and Latin America through Small Business Training (SBT) and access to micro-loans.  A micro-loan of $50 to $500 can begin economic transformation in a poor family.  Christ-centered business training provides the foundation for these entrepreneurs to establish sustainable incomes built on the solid foundation of Christ.  

Borrowers use their micro-loans to start bicycle taxi businesses, launch tailoring services, sell prepared food, raise chickens, pigs or goats, plant cash crops, or open a retail shop in the market.  When their micro-loans are repaid in 3 to 6 months, borrowers are often offered larger micro-loans to expand their sustainable businesses. Some borrowers have also become employers!

Edwin Wanyonyi used his loan to purchase a motorbike to start a taxi business.

How You Can Help

Your gift will help fund small business loans, primarily to poor Christians who have a reputation of being hard-working and honest, living in restricted and impoverished nations.

A gift of $65 can help an impoverished Christian start a small fruit stand

A gift of $250 can help a poor believer in Kenya to open a hairdressing salon

A gift of $730 can help a hard-working Christian start a taxi business

Or invest any amount to provide small business loans for impoverished Christians


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