Posts Tagged ‘DR Congo’
Savings For Life: Financial Opportunity for the World’s Most Vulnerable
The world’s poorest have a tremendous capacity and willingness to save and protect assets when financial institutions cannot serve them. They save to meet social obligations, to prepare for emergencies, to start or expand small businesses and to respond to seasonal changes in cash flow. However, the lack of banks in rural areas often leads to high fees and unattainable minimum balance requirements, leaving savings vulnerable to loss and theft.
Since piloting the Savings for Life program in 2008, World Relief has empowered more than 100 thousand participants across six countries through the facilitation of effective and impactful community-based savings and credit groups. After years of testing and expanding, World Relief has developed a program that offers safe and reliable financial services to people who are otherwise excluded from formal banking institutions. Through regular savings and access to appropriately sized loans, group members can meet daily household needs and establish their own income-generating activities.
The Savings for Life program, like other World Relief initiatives, is also one of spiritual transformation. It is integral to the fulfillment of World Relief’s mission to “empower the local church to serve the most vulnerable.” Churches are the point of contact in communities where World Relief is present and pastors work to identify the most vulnerable within those communities. Church volunteers serve as field agents to mobilize and train the savings groups. Finally, World Relief promotes Savings groups because of its commitment to the holistic Gospel of Jesus Christ, a message that leads to transformation in every area of life.
Often, World Relief implements the Savings for Life program alongside other interventions. In Burundi, care group volunteers who bring life-saving health messages to more than 30 thousand mothers every month are invited to participate in Savings for Life groups. In Rwanda, Savings for Life is combined with leadership training so that church and community members can take initiative to meet the needs of vulnerable neighbors with their own resources. In the Democratic Republic of Congo, farmer group members involved in Savings for Life can buy better seeds and fertilizer with their own resources to produce greater yields.
Some of the most vulnerable in Kenya have also benefited from Savings for Life. Compared to other countries in East Africa, Kenya enjoys the largest, most diversified economy (USAID, 2013). Because of its location, the country serves as a place of transport and therefore plays a vital role for much of sub-Saharan Africa. However, decades of unjust governance have stunted economic development. About 60 percent of Kenyans live on US$2 or less per day (USAID, 2013). Kenyans facing poverty often lack access to the most basic financial services. Supplementing the life-impacting work of economic development, Savings for Life groups in Kenya educate members in managing their own savings. As savings accumulate, group members have access to appropriately-sized loans with which they can finance business or personal needs.
In 2011, a women’s group registered with World Relief in Kenya and Fadhili Trust to participate in a village savings and loan association in Ongata Rongai in Kajiado North. Group members save and lend their funds among themselves and also contribute to a social fund to assist with emergencies. When the group began to grow, the women registered with the Ministry of Gender, Children and Social Development to be recognized by other institutions and gain negotiation power for development. Now, they plan to begin using savings to purchase land for various group members. In the last two and a half years, not one of the members has defaulted on a loan or payment. This is the story of just one of several groups operating in seven regions across Kenya.
The groups also provide discipleship for members through regular Bible studies. World Relief believes that God’s restorative plan for mankind includes, among many things, character development with regard to stewardship, personal finance and attitude towards work. The goal is not wealth, but worship – pointing the most vulnerable to a right relationship with God through Jesus Christ and empowering them to live in a way that brings Him glory.
“The thief comes only to steal and kill and destroy; I have come that they may have life, and have it to the full.” John 10:10
For the first time…
By Emily Roenigk, intern with World Relief in Baltimore, shares her new perspective:
Last year, I could have counted on one hand the number of times I had thought about the concept of global justice. I had never looked beyond my own privileges to desire restoration for a world that is broken in ways I may never experience. I was ignorant to this simple truth: desiring justice is inherent to a relationship with Jesus Christ because Jesus Christ desires justice.
In November 2012, Belinda Bauman visited my college small group and shared the heartbreaking stories of women and children who are suffering the unthinkable from an unnoticed war in the Democratic Republic of Congo. To this day, this somber statistic remains with me: Every nine out of ten Congolese women are victims of rape.
In our own lives, my friends and I have experienced pain, loss and even devastation; however, we enjoy the Lord’s gracious blessings of overall spiritual and physical health, education and success. Imagine our sense of inadequacy when Belinda asked us to mourn the pain of these Congolese women. We prayed for shalom, a state of existence for humanity wherein nothing is broken, nothing is missing. For the first time, I prayed for the restoration of a people I have never met and whose pain had no impact on my own life.
I knew that I eventually wanted to use my pending Mass Communications major to “help people,” but I realized then that I was the one who needed help. I need help understanding what is really going on in places that aren’t trending on Twitter, how truly believing that Jesus Christ is the Son of God means I am intricately connected to the poor, and how conflicts and injustices wherein I once believed I had no responsibility are worthy of my broken heart.
Over the next couple of months, I followed World Relief’s online updates. Finally, after prayer and consideration, I applied for the International Programs summer internship at World Relief, and to my amazement, I was accepted. I am so fortunate to be learning from the talented staff of World Relief about how we can serve the real needs of the poor while empowering them with dignity and honor. It might take me a lifetime to scratch the surface of what justice really looks like spiritually, relationally, economically, agriculturally, politically and so forth. For now, I’ve learned that at the end of the day, our faith must do something in the way that Jesus’ faith did.
In their book When Helping Hurts, Steven Corbett and Brian Fikkert write that it would have been useless for Jesus to merely use words and not actions to declare His Kingdom. We know that Jesus Christ is the Messiah because He not only talks about justice, He does justice. If we are to be the body of Christ, how much more must we?
Emily is a Mass Communications major at Towson University and is interning with World Relief in Baltimore.
DRC photos by Christine Anderson