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Thanksgiving in May!

May 17th, 2012 Post date
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Yesterday, the WVUS staff in Federal Way, WA had the privilege of hearing Angela Mason, Special Advocate for Women & Children, speak during chapel. Below is a piece she wrote describing her experiences meeting a MICRO entrepreneur on a recent trip to Mexico.

Her name was Paula, and she was sitting across the room from us in a small but comfortable home of another MICRO recipient, Jovita.

There were ten of us from WOV Orange County who had made the 3 hour drive from Mexico City to this village near San Felipe. The day was sunny and warm, chickens ran around the yard, sheep were grazing nearby and all of Jovita’s neighbors had gathered round to see who these American visitors were and what they wanted! Nosy women – just like us! We were touched to see Paula’s shy grin and catch a couple of English words as she greeted us.

“Wow, where did you learn English?” asked one of our ladies, and Paula told us her children had taught her from their school lessons. She was a handsome 60 year old woman from the Mazahua people group, married with three girls and seven sons whose ages ranged from 19 to 39.

Her eyes fairly twinkled as she quietly told us her story.

Paula had been borrowing money from another micro-credit organization, but because her signature kept changing, they asked her to leave, even though she was an excellent client. The reason was all to obvious – Paula had never been to school and could not read or write.

In November 2011, a friend invited her to consider World Vision’s microlending opportunities, and she eagerly joined a MICRO group of 13 women in her neighborhood. She borrowed $700, purchased sheep and pigs, tended to the animals and quickly paid back her loan.

Now, Paula is forging ahead with her second loan. When asked why she picked animals as her livelihood, she told us that they are easy to take care of when you are a homemaker with lots of work to do juggling family needs and chores. Paula’s husband is very proud of her and helps her make the loan payments: “He often asks me about things I have bought. I tell him I used some of my profits, and he is happy.”

Happy and contented are the words which come to mind as I recall Paula and the simple joy she expressed when telling us about her life. I am often struck by how much more satisfied women are in developing countries compared to some of the women I know in my hometown. I asked Paula what her dream or hope was for the future, and she answered me with one word “turkeys.” She wanted to diversify and apparently these birds are a safe bet and desired by Mexicans. I was delighted with her response, but I do confess to stifling a laugh as I thought back to last Christmas, and my grumbling as I tried to force my turkey – the size of a small dog – inside my oven!

As we were getting ready to leave, Paula was placing an inky fingerprint on a document, but would not let us go until we had each received a warm hug.

New Seasons in Malawi

April 12th, 2012 Post date
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The following blog post was written by Timothy Hall, Africa Regional Field Specialist for VisionFund International.


The rainy season is much the same throughout East Africa- beautiful, picturesque mornings with blue sky and fluffy clouds above a verdant landscape, turned to torrential downpours that turn the streets into muddy orange rivers shortly after lunch.  The skies almost always clear by sunset, revealing an impossibly green landscape and particle-free city air.

The skies had not yet opened when I met Bright.  I was joining him for a brief trip into the field to meet his clients; he is a loan officer for the VisionFund International-affiliated MFI in Lilongwe, Malawi.  He is young, educated, and single, much like most of the other loan officers I have met.  This is a demanding job, and requires energy and devotion; Bright told me that it’s not uncommon to work 14 hour days working around clients’ work schedules, searching for delinquent clients, and fighting storms and traffic. (You can learn more about Bright’s life here).

We had only been at the client’s home for a few minutes when the rain began to fall.  This meeting was the final of a series of orientation meetings during which the prospective clients are instructed on all the procedures of obtaining and repaying a loan, including forming a constitution for the group and electing leaders.  The first order of business on this rainy Friday afternoon was an unpleasant one- it seemed that two of the new group members had neglected to show up, and were now two hours late.

This was no surprise to me.  After several months in Africa, I was used to significant delays and extremely relaxed scheduling practices- these differences are largely cultural, and often related to poor roads and transportation.  Whatever the reason, it makes doing business frustrating at times.

The group was made up of about eight women, mostly proprietors of small shops and restaurants throughout Lilongwe.  The group leaders were about to begin their third loan cycle, and are experienced businesswomen with no time for foolishness.  So there was little deliberation as to what was to be done with the tardy group members.  “We’ve decided to remove them from the group,” Bright informed me.  “They have to take this seriously.”

I was heartened by this decision; not because the delinquents got what was coming to them, but because it was to me a small indicator of Africa’s revitalization: these mothers and wives make no excuses.  Until recent years, the only picture we got of Africa on the news and on late-night infomercials was disease, drought, and conflict; and the only answer seemed to be for us to turn out our pockets and solve the world’s problems through the liberal application of Western wealth.  This resulted in incredible amounts of aid in the form of food, government loans, and infrastructure projects; and while this type of aid has saved countless lives, and remains an integral part of World Vision’s mission, it is an external force, and cannot therefore produce lasting change.

What we are witnessing is incremental, internal change- a collection of small decisions by women in Africa, enabled in part by small gifts from individuals around the world, that is revealing a different Africa from the one we thought we knew.  While I don’t know what the future of Sub-Saharan African women and their families will be, I do know that it’s past time that we started taking them seriously.

A Success Story: Goltaz Begum

March 28th, 2012 Post date
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Goltaz Begum is a self motivated entrepreneur who used to live in terrible poverty, unable to provide enough food for her family. Training from World Vision Bangladesh provided her with the tools she needed to fight against poverty. After Goltaz began her own garment business, she then paved the way for others to create a better livelihood.

Goltaz in front of her shop (www.worldvisionmicro.org)

 

In Laldiar Char of South Patenga, there is an eye-catching clothing store and tailoring shop by the roadside where several women and adolescent girls are working on decorating clothes and embroidery. The store is named “Shopner Chowa”, meaning – “the touch of a dream.” But the story of the life of Goltaz Begum is about much more than a dream coming true.

“My husband used to work in a steel mill. In the cyclone of 1991, he had a major injury in his leg; he lost his job” recalls Goltaz. That was the start of their rainy days.

“Even now as I see poor people, I am reminded of times when I was in their condition; and I still cry. Once we went without food for three days. I did not tell my father, for it would bring shame and insults on my husband. I had one child at that time. We used to boil leafy vegetables and have it with some salt added” she said.

“When my father would ask me if we had any food, I would tell him that we had already cooked. I told him so often, and some days he would doubt and put his hand into the furnace to check if it had been used that day,” says Goltaz. “I had but one saree (dress), and in the night I would put on my husband’s lungi. We lived in this condition for almost three years,” she added.

As World Vision extended various relief and support activities, Goltaz joined a development group facilitated by World Vision. “When I wanted to join a development group my husband told me: “You cannot save five taka in a month, how will you save twenty taka?” Goltaz says.

“Other women did not welcome her well initially, because she was illiterate,” said Mohammad Harun, 45, Goltaz’s husband. “But she was the first to master the skills from the trainings,” he added.

Goltaz took loan from the development group and bought a rickshaw for her husband. Later they bought more rickshaws that they rented out. Later Goltaz received sewing training from World Vision and a sewing machine, paid in part by World Vision. She also received trainings on Block, Boutique, Chumki (glitter), Kach chupi (one kind of ornamental design on clothes), in addition to handkerchief and machine embroidery. She also received trainings on food processing, pickling, and gardening.

Goltaz started her sewing business from her home in 2002, by buying cloth and making dresses. In the first month she made a profit of taka 800 (US $11.5). She used taka 500 from that profit to buy more cloth and in the following month earned taka 1,400. She continued to work from her home and eventually employed four workers. She was making a monthly profit of taka 10,000 (US $147) out of an investment of taka 3,000 to 4,000 (US $44-58).

Noticing her progress and enthusiasm, World Vision decided to build a shop for the “Shapla Women’s Development Group” in front of Goltaz’s house. The construction was completed by October 2006 at the expense of taka 270,000 (US $3,913). Now more people could see and come to know that a fashionable clothing and garments store existed in that area. In the first year at the shop, Goltaz worked with nine co-workers and saw a monthly profit around taka 15,000 (US $220).

“Only God knows where I would have been if World Vision did not provide me these trainings,” Goltaz speculated.

Now Goltaz owns three sewing machines, one embroidery machine and one over loop machine. With 12 girls and women working in her shop, more 14 working from their houses Goltaz sees a profit from taka 17,000 to 18,000 (US $246-260) each month. Around 800 women and men are engaged in garments ordered works through Goltaz’s contracts.

Goltaz works on contracts from buyers and also she makes dresses to sell from the shop. “The local people say that they prefer to buy from me rather than from the market”, says Goltaz.

“We bought a television and cable line connection so that we can watch the Indian TV serials and acquire ideas of various embroidery and other designs on dresses that the performers wear,” says Harun.

“I want to learn computerized sewing and embroidery machine operation and buy the machine if I can pay in installments. It will cost around taka 700,000,” said Goltaz. She continued, “I want to advertise on television. I told all my workers that we would work to increase our volume of work and profit till we expand so much that our shop will be shown on TV”.

Mahfuza Khatun, 28, is Goltaz’s second aunt. Her husband was a day laborer who died four years back. Since then it became too tough for her to make ends meet for her family with three daughters. “Previously our family was quite fluent financially. I saw Goltaz going through a very hard time,” Mahfuza says. “After my husband died, I started working with Goltaz. Now I pay for my family and my daughter’s schooling with my income from the sewing and embroidery works. Goltaz is not working by herself, but many other girls and women are being able to work with her,” she added.

Goltaz with her family (www.worldvisionmicro.org)

Those who work with Goltaz receive training free of cost. Her children are also learning the skill of sewing and embroidery besides going to school. A businessman who has fashionable clothing business abroad wanted to hire Belal, Goltaz’s eldest son, and take him to Dubai, for, the man said, this skill is highly valued there. But Goltaz wants her children to be the next generation possessors of her business legacy.

Goltaz and her husband Harun have three children,  Belal (17), Rima (14), and Helal (9). “I learned the skill of Kach Chumki and sewing from mother,” said Helal the youngest son.

Today, the income generation activities and interventions of World Vision have made livelihood more viable for thousands of women through one. The courage and enthusiasm of one woman to learn and take a step ahead is all that it started with.

“The ADP has been putting much effort to establish a business group with the women who got involved in skill training as women empowerment process. Till now, 260 women (members of Development Groups) are self-engaged in the mechanism of increasing income through Income Generating Activities,” stated Andrew Ritchil, Manager of Patenga ADP.

There is a business group jointly organized by 60 women. They now have two sales centers in the communities. They received training on needle works, sewing, block printing and karchupi (a special type of design on women’s wears). These women are now making garments products from their homes and selling them from the sales centers. The result of their works and businesses are very encouraging.

Andrew stated, “These women earn extra money for the families, which once cannot be even thought. Many men did not allow their wives to work for earning. The family environment is also changing now. These women are now being dignified.”

 

A Day in the Life Of…A Malawian Loan Officer

March 21st, 2012 Post date
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The following blog post was written by Timothy Hall, Africa Regional Field Specialist for VisionFund International.

Bright (far right) is a World Vision loan officer in Malawi. Here he visits with some of his clients. (www.worldvisionmicro.org)

 

This is a day in the life of Bright Sambo, a loan officer for World Visions in Malawi. Bright is 28 years old and has worked at FITSE in Lilongwe, Malawi for just over a year.  He is not married, and hopes to someday become an accountant.

6:00 a.m Bright wakes up.

7:00-7:30 a.m He arrives in the office.  Usually, the day begins with a short devotional comprised of hymns and a Bible reading.

8:00-8:30 a.m Bright leaves to start meetings with his clients, this is his favorite part of his job.

Bright manages 38 groups, each averaging about 8 clients, mostly women.  So his day will be full with a variety of different meetings- promotional meetings in new areas, orientation meetings with new groups, collateral verification, loan disbursements, and loan repayments.  Sometimes, he will also have to search for clients who have moved or are delinquent in order to recover the loans.  He said that the least favorite part of his job is aggressive clients–ones who are unhappy with the loan and demand better terms, or try to get out of repayment.

Bright uses a motorcycle to get around to his clients’ houses.  Depending on the type of meetings, he might have three or four in a day, up to eight.  Orientation sessions may be over two hours a piece, but loan disbursements and collections are often completed in half an hour.

6:00 p.m.-10:00 p.m Bright returns home.  Depending on the kind of traveling he has to do, Bright’s work could extend for several hours past the normal 6:00 clock-out.  In this part of the world, a loan officer often has to spend 2-3 hours traveling to locate a single client.  Central Malawi is an agricultural area, where clients grow peanuts, tomatoes, potatoes, and corn, and can be spread out over the countryside.

International Women’s Day: Having it all in Cambodia

March 8th, 2012 Post date
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Today is International Women’s Day. We honor the remarkable achievements of women like Konitha, a mother and entrepreneur in Cambodia who used World Vision business loans to build a life of dignity and hope for herself and her children.

Konitha, 32, is a successful entrepreneur and happy mother. Here, she's pictured with her baby, 5-month-old Thing Thing. (www.worldvisionmicro.org)

Written by: Kari Costanza

When I was 12, my mother bought me Helen Gurley Brown’s book, “Having It All.” The book offered advice on how a woman could succeed at everything — love, work, and family. My mother knew even then that her overachieving daughter would have difficulty choosing between having a family and having a career.

And she was right. I couldn’t. I wanted to have it all.

Today, at 49, being a wife, a mother of two children, and a World Vision journalist who travels for months every year is a juggling act. Sometimes the balls go splat, and I wonder whether “having it all” is even possible.

Meeting Konitha last week in Cambodia, I realize that it is.

Konitha, 32, is the mother of two girls. Her family’s story is told time after time in Cambodia — the story of the Killing Fields and how a few terrible days in April 1975 turned into years of nightmare for millions of people. How they were ushered at gunpoint out of the capital city, Phnom Penh, to work as peasants in the fields.

If they were educated, they were killed. If they resisted, they were killed.

The family survived the genocide, and Konitha was born in 1980. But their challenges continued. During another period of fighting in 1997, the family home was burned to the ground. Konitha had to go to work in a garment factory, working 11-hour days to help make ends meet.

Then, Konitha found out about World Vision. She’d been invited to a meeting about World Vision’s microfinance program, where a representative discussed how it worked — how a woman could take out a small loan, and, if she had a good idea and had skills, how she could parlay that loan into a small business.

Konitha decided to jump on board. She took out a starter loan of $50 to buy cloth to resell to her colleagues at the factory. This factory worker was quickly becoming an entrepreneur. With that loan paid back, she took out another $100 to expand the business.

But something had changed in Konitha’s life.

She’d had children — two girls. And what she wanted more than anything was to take care of them and ensure they got a good education. So Konitha dreamed big, taking out a loan for $3,000 to build a house and start a grocery store across the street from her home.

Today, that business is thriving. She sells Chinese noodles and coffee, with business acumen picked up from World Vision — her business is clean, everything is homemade, and everything is delicious.

Konitha’s grocery store has become the neighborhood 7-11. And she does it all with two little girls in tow — one who goes to school during the day, and the other who spends a lot of time in her mother’s arms.

Today, this working mother brings in $300 per month — a full $130 more than she made at the factory. “Now I have enough time for my children,” she says.

I asked Konitha about her future goals.

“To be like you,” she said. “To be a professional. If I had a higher education, I would sit in an office like you.”

How I responded made Konitha’s eyes widen.

“I want to be like you,” I said. “You have it all. You are a successful businesswoman who still gets to spend a lot of time with her children. That’s what I want — what you have.”

Standing there in front of Konitha’s Chinese noodle shop and grocery store, I thought about how far away I was from my family, and how close Konitha was to hers.

Thanks to a small loan, Konitha does have it all.  And on this International Women’s Day, I celebrate her.

And I think Helen Gurley Brown would, too.

Armenia Success Story: Father Saves His Herd & Livelihood

February 17th, 2012 Post date
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Father of six, Ararat Gevorgyan, was almost forced to slaughter one of his cattle to buy food for his children and feed for the livestock. Ararat was spared from losing one of his precious cattle thanks to a loan through SEF International, World Vision’s microfinance institution in Armenia. A loan of US$1,500 enabled him to buy hay to feed his animals until the start of the next pasture season.

This winter Ararat Gevorgyan was on the brink of making the difficult decision to slaughter one of his cows in order to meet the needs of his six children. “I bring in the family income by taking care of villagers’ cattle during the pasture period. But this is a seasonal job, and the money I am able to earn finishes much earlier than spring comes”, says Ararat.

Ararat also has his own small herd, which for many years he has wanted to expand in order to increase his income, but he still owns just five cows, five calves and five sheep. “It would not be easy for me to slaughter the animal but I was forced to do that. I did not have money to buy food for the children and feed for the livestock. The hay I was able to store was finishing which put me in front of a hard choice”, remembers Ararat.

Farmers in Armenia do not have easy access to financial resources. The limited number of banks and institutions that offer agricultural loans do not provide options appropriate for different farming activities. But SEF International, World Vision’s Microfinance Institution in Armenia provides agricultural loans tailored to struggling, but hardworking farmers, like Ararat. “They offered me a loan at an annual interest rate of 18%. I borrowed some US$1,500. I was so glad as this amount was enough to buy hay to feed the animals till the pasture season started”, explains Ararat.

Ararat’s son, 14-year-old Mushegh is not yet allowed to go to the pastures because he is too young but he already helps his father to feed and clean the animals when they are in the barn. “I love the cattle and was so sad knowing we have to sell one to survive till the spring comes. I was praying my father would find a way to keep all the animals”, says Mushegh happily smiling that his father found a way out.

Ararat lives in the Vahramaberd Community, located seven kilometres from Gyumri City, in northern Armenia. He takes care of his wife and six children and also supports his brother to raise his (brother’s) six children. “My brother had a stroke twice. His health condition is critical, and he cannot do manual work”, says Ararat. Ararat says his brother’s youngest son, five-year-old Hayk, does not speak. He does not communicate even with family members. “Unfortunately, Hayk has never been taken to a doctor, and I feel so sorry for not being able to take good care of my brother’s child”, says Ararat sadly. “I feel responsible for the well-being of all the children in the family and have to earn well to ensure they are cared for”.

It is almost 10 years that Ararat has made a living for his family by working as a shepherd. In the early spring mornings one can see him collecting cattle from villagers’ barns and walking some five kilometres to reach the pastures. When evening approaches he returns with the cows ready to be milked.

Ararat and his workmate take care of some 100 cows. For each cow villagers pay 12,000 AMD (US$32) annually. The annual earning for each of the shepherds comprises US$1,600. The shepherd signs a contract with villagers at the major’s office. “I am responsible for the cattle; this is the only means of survival for many villagers. And even so my neighbours trust me with their property”, says Ararat proudly. Being a shepherd is not an easy job; heavy rains and hail may be followed by extremely high temperatures. “Both the cold and hot climate is hard to bear when you are in the mountains in the open air”, shares Ararat.

The main portion of the children’s diet is comprised of different dairy products made by my mother-in-law”, says Ararat’s wife Lala, 42. “The milk we receive from five cows is never enough to feed all twelve children in the family. But if we manage to increase the number of the cattle due to the natural growth and through buying a few more calves, we would even be able to sell some milk and buy stationary and clothing for the children”, she continues. And, a priority for Ararat and his family is to take Hayk to the capital Yerevan for diagnosis and treatment.

Lala says that she is very glad her husband found a solution not to slaughter the cattle. “This allowed us not only to keep the animal but count on newborn calves. Ararat even negotiated with some villagers and bought nine calves without advanced payment with an agreement to disburse the money from the amount they owe for the services he provides as a shepherd.

In the past Ararat has borrowed from a financial institution that only provided credit to farmers’ groups. “It turned out to be a real burden on my shoulders. I was ready to pay back the interest and the principal but the other members of the group delayed the payments”, he laments. Instead of improving his situation the loan plunged Ararat into deeper problems. To avoid debts and bad credit history in the credit bureau he paid a greater portion of the loan than others. “The terms offered by SEF International are very favourable. I can borrow money and pay back the principal whenever I have enough extra cash. Though I took this current loan for a two-year period I will pay the money back by October, when the majority of villagers pay me for my services and I have enough cash”, explains Ararat.

“We are happy to partner with farmers like Ararat. He invests money into agriculture which results in enlarging his farming activities little-by-little. Ararat is a responsible client and a hard worker”, says Arthur Khachatryan, Credit Specialist at SEF International’s Gyumri branch.

Ararat intends to use the services of SEF in February next year when again he will need some cash to be able to feed the animals before the pasture season comes. “I like to have some flexibility and apply for the loan when I really need it”. “Currently SEF is introducing a new product for farmers – a loan at 14%. This will help them to have more financial resources that are so crucial for farming activities”, explains Arthur Khachatryan.

World Vision Armenia, in partnership with SEF International, is supporting economic development in Yerevan, Sisian, Kapan, Talin, Stepanavan, Goris and Meghri regions in order to help families meet the needs of their children so that they enjoy good health and are educated for life. Almost 97% of SEF clients live in underprivileged communities in World Vision’s Area Development Programmes.

A Day in the Life of…A Cambodian Loan Officer (Part II)

February 12th, 2012 Post date
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The following post is Part II in a series of photos following a day in the life of a Cambodian loan officer.

 

Loan officer Nhek Chanthy interviews the entrepreneurs and completes forms for Micro (www.worldvisionmicro.org)

 

A signature and/or thumbprint is taken (www.worldvisionmicro.org)

 

The loan officer distributes the loan (www.worldvisionmicro.org)

 

Nhek takes a photo of the entrepreneur and their business so that it can be uploaded to Micro (www.worldvisionmicro.org)

 

 

 

A Day in the Life of…A Cambodian Loan Officer (Part I)

February 10th, 2012 Post date
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The following post is Part I in a series of photos following a day in the life of a Cambodian loan officer.

If you’re like me, then you’ve probably wondered what microfinance looks like in the field. Well, here’s your chance to see what it’s like for a Cambodian loan officer to distribute a loan to a group of women in Kampong Chhnang Province in central Cambodia…

In Cambodia, loan officer Nhek Chanthy prepares to visit entrepreneurs to be featured on the Micro website. (www.worldvisionmicro.org)

 

The loan officer travels by motorcycle to the Tropeang Thmor village. (www.worldvisionmicro.org)

 

When he arrives, the loan officer first meets with the community leader. (www.worldvisionmicro.org)

Then the loan officer gives an orientation about VisionFund and reviews financial training. (www.worldvisionmicro.org)

Want to see more? For more photos in this series, please visit our Facebook page!

Photos courtesy of Chariya Ken

Thank you for Changing Lives

February 1st, 2012 Post date
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The following post was written by Charles Johnson, a Premier Service Agent in World Vision’s Donor Contact Services Center.

Like the average American, my work day is usually quite busy. As one of over 120 agents who work in World Vision’s contact center, my job consists of helping assist World Vision’s donors through answering phone calls and replying to emails. I have worked in the contact center for almost two and half years now, and it has completely and utterly changed me.

Before I worked for World Vision, I did not remotely understand how complex trying to end poverty really is. I thought that everything could be easily fixed if we just gave people in developing countries more food and water. I naively perceived that the solution to the world’s long standing poverty problem was simply to supply life’s bare necessities.

While providing food, clean water, and healthcare is a huge part of development work and should in no way be discounted, my World Vision experience has taught me that in order to really combat poverty effectively, a community has to reach self-sustainability. It’s not enough to just give people what they need; they have to be empowered to provide for themselves. Poverty has been successfully conquered in a community once the people in that community no longer have to turn to a field worker for their family’s daily essentials, but are able to buy or make those essentials themselves.  The reason why the old cliché of “if you give a man a fish, he’ll eat for day, but if you teach a man to fish he’ll eat for lifetime” is used so often is because it’s so true. I love World Vision Micro because it teaches people how to fish.  It gives hardworking entrepreneurs the opportunity to be the one who ends the cycle of poverty in their own family and community. It helps end poverty one family at a time.

As I wait for the next call to come in, my train of thoughts turns to the generosity of the donors who make self-sustainability an achievable goal in a developing community. To every Micro donor, I want to personally thank you. You have decided to give someone the tools they need to help themselves. My own work experience has forever changed my life, but you have helped someone in need gain a work experience that will change their life in a much more significant and meaningful way. May God bless you for this and be with you always.

The CEO

January 23rd, 2012 Post date
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In case you haven’t seen it yet, check out World Vision’s latest video about microfinance!

The CEO


 

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