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Possibility in the Face of Complexity

Woman smiling over her produce in the market

Naomi’s Story

Naomi, her husband and three daughters were living in Mahowe, a small village in Malawi, when Naomi’s husband died. That day forever changed her life. Not only was her husband gone, but so too was her family’s source of income and daily security. Naomi and her daughters tried to rebuild their lives, but Naomi’s physical condition made things difficult. Partially blind in one eye, she struggled to earn enough money to send her oldest daughter to school, let alone meet basic needs for her and her daughters.

Sadly, Naomi’s story is not unique. In fact, more than 735 million people around the world — around 10% of the world’s population — live on less than $1.90 per day, making it difficult for them to earn a living, buy food, access health care or send their children to school. The consequences of such extreme poverty extend far beyond one generation, as uneducated children struggle to  earn a living as adults, in turn making it difficult for them to send their children to school and ultimately trapping them in a vicious cycle of generational poverty.

Yet economic poverty isn’t the only kind of poverty that affects people around the world.

A Complex Problem

Hourt Rous is one of the 80% of Cambodians living in a rural area where women are taught that their sole role in life is to be a housewife and to raise children. Because of this belief, women like Hourt never have the opportunity to go to school or the chance to learn basic health practices and important lessons in child development. Hourt grew up in a home where she was taught health and nutrition were important only once children reached school age.

“I never knew nutritious food affected [a young] child’s development. In our culture, we are taught that our children’s physical appearance, health and food intake is [only] important when they reach school age.” 

In Cambodia, much of rural childcare is based on cultural beliefs. Therefore, when Hourt became a mom, she began raising her children in the same way she had been raised, setting the stage for her children to do the same and continuing the cycle of poor health and education from generation to generation to generation. 

These two stories have a great deal in common. Naomi, a physically disabled widow, was left as the sole caretaker for her girls, unable to provide basic needs for her family. Hourt, a female in rural Cambodia, wasn’t given the same access to education as the men in her community, which ultimately prohibited her from learning how to create a future for her children. Both these women were trapped in a multi-faceted cycle of poverty that is perpetuated by lack of access to education and healthcare and often determined by social status, age and gender, geography and ethnicity.

Complex but not Impossible

Solving poverty is complex. But complex does not mean impossible.  

Understanding the full complexity of poverty is at the very core of our work at World Relief. In places most impacted by poverty, well-intentioned NGOs frequently struggle to create lasting change because they either fail to address the root causes of poverty — gender discrimination, conflict and inequitable access to education, to name a few — or fail to acknowledge that poverty is multifaceted.

Rarely is a community only struggling with physical poverty, economic poverty or geographical poverty. Rather, they are often struggling under the weight of more than one type of poverty. When organizations address poverty as a single issue and fail to acknowledge root causes, they create quick fixes and partial solutions that fail to produce holistic, long-term transformation.

But it doesn’t have to be this way. At World Relief, we believe God gave us a plan to save our broken world, and it begins with his church, and his people, leading the way.

As we engage in communities around the world, we harness and amplify the influence of the local church — the largest, most influential network on the planet — to model Jesus’ holistic method of addressing and alleviating poverty. By empowering pastors, local leaders and volunteers, the church moves as the hands and feet of Jesus. People are seen, loved and given opportunity for new life. Through him everything changes.

Jesus and Holistic Change

In Luke 4, Jesus begins his ministry by declaring,

“The Spirit of the Lord is on me, because he has anointed me to proclaim good news to the poor. He has sent me to proclaim freedom for the prisoners and recovery of sight for the blind, to set the oppressed free.”

Luke’s gospel is filled with stories of Jesus seeking out the poor in body, in community and in spirit. He heals a man of leprosy and a woman from her issues of blood, invites a tax collector into his inner circle and gives life to a widow’s dead son. He even heals a Jewish oppressor’s beloved servant.

To the leper and woman with the issue of blood, Jesus brought physical healing; to the tax collector, Jesus provided acceptance; to the dead son Jesus gave life; to the Jewish oppressor an example that no one is outside the love and care of God.

Jesus saw the tax collector, men, women and children, the sick, the oppressed, the lonely. He came toward them and provided for their needs, bringing restoration to the whole person, reversing life circumstances and breaking cycles. Over and over again, the gospel of Luke reveals Jesus’ love and care for the poor and the outcast, those marginalized by their economic status, gender and/or ethnicity.

Breaking Free and Moving Forward

Naomi began to break the cycle of generational poverty when she joined a savings group sponsored by World Relief. Through the group, Naomi has been able to invest in her family’s future. A year later she says,

“I now have the opportunity to interact with my friends and to improve my life. I have also joined my colleagues in helping the vulnerable in our community through the group’s social fund, a weekly fee which goes to the community’s needy individuals.”

In the same way, Hourt changed her family’s story when she joined a women’s group through her church and learned about children’s health. She began to implement what she was learning, providing the nutritional support her children need as well as promoting and protecting their access to education.

“I know that if I want my children to be wise and have a good future, I have to play a role in supporting the process of development,” Hourt says.

Not only has she improved her children’s health, but Hourt is also sharing what she’s learned with others.

“I take health lessons to teach households and improve everyone’s health in my community,” she says.

Although Naomi couldn’t see a future where her family had resources for food or education, her local church did. Although Hourt didn’t understand the importance of proper nutrition during early childhood, her church did. And, although both women felt unseen, unnoticed and forgotten, they weren’t.

Following Jesus’ examples, the church came as the hands and feet of Jesus with love, care and provision for Naomi and Hourt’s needs. The church came to lift them up and bring the restoration of Christ. It is in this restoration that Naomi, Hourt and thousands of others have been empowered to reverse their circumstances and break the cycles of poverty.

Now, they are one of the thousands around the world, coming with love, care and provision for others in need, breaking the cycle of poverty and propelling change that lasts.


Dana North serves as the Marketing Manager at World Relief. With a background in graphic design and advertising and experiences in community development and transformation, Dana seeks to use the power of words and action to help create a better world. Dana is especially passionate about seeking justice for women and girls around the world.

Church Engagement Is the Best Solution to Humanitarian Crises

Today is World Humanitarian Day. It’s a day upon which we honor humanitarian workers around the globe, and a day on which we seek to reflect on how we, as global citizens, might respond better, smarter and more effectively to the hundreds of humanitarian crises around our world.

Today, there are over 2 billion people living in fragile conflict zones, driving 80% of the world’s humanitarian needs. These complex crises, often driven by tensions between ethnic, tribal and political groups, cause violence and instability that force people from their homes and prevent access to food, water, health services and shelter. A recent report found that the number of people internally displaced by conflict around the world is at an all-time high, at 41.3 million. In 2018 alone, conflict forced more than 10 million people to flee their homes.

Many of these conflicts are in Africa. The Darfur region in western Sudan, for example, has been in an ongoing state of emergency since 2003. Darfur’s population suffers from poor health and nutrition systems and frequent disease outbreaks. Fighting over scarce resources in this region is made worse by overcrowding and drought. In South Sudan, attacks on civilians, sexual violence against women and girls and forced recruitment of youth into armed groups are daily occurrences in the world’s newest nation. And in the Democratic Republic of Congo, ongoing conflict has left more than 2 million babies and toddlers suffering from severe malnutrition.

Poverty, and the conflict that often results, is rampant in many parts of our world. So today, as we reflect on the thousands of humanitarian efforts around the world, we ask ourselves, how can we reduce this suffering? How can we even make a dent in these great needs? How can people on the other side of the world – with little cultural knowledge of these places – make a lasting impact?

The short answer is, we can’t…at least not in the ways we’ve traditionally tried. Barreling in with troops, or with thousands of eager, well-intentioned philanthropic volunteers, is not the answer and may even exacerbate the problem. While Western organizations can play an important part in providing emergency health, water and sanitation services, these are merely short-term solutions to long-term problems.

This is why we believe that recovery and development have to start on the ground with local communities, and that the best way to use our resources to achieve lasting change is to effectively train and equip local churches and community leaders to act. For years, World Relief has been successfully training local churches to direct and lead change in their communities. Through programs like agricultural trainings, Savings for Life groups and Village Peace Committees, local churches are being empowered to serve their communities and bring peace to their nations.

Now, we acknowledge that the church has not always lived up to its calling and potential. History has shown us that as much as the church can transform communities for the better, it can also be used to tear them apart. Yet we have seen what happens when the church says ‘yes’ to God’s calling and steps fully into its God-given role, caring for the most vulnerable around the world. It is for precisely these reasons that we believe, in the face of some of the worst humanitarian crises in the world, the church can be the solution, and that when the church is mobilized to achieve its full potential, it has the power to change the world.

We believe this because:

The local church is God’s plan to reveal his mercy, compassion and truth to people around the world.

The local church is the largest social network on the planet and has the ability, authority and permanency to do far more than any government institution or non-profit organization could.

The local church is led by trusted community leaders — those with an inside voice and understanding that no outside organization can bring.

The local church has the influence and moral authority to shape behaviors rooted in biblical values of love, compassion and justice.

The local church offers the greatest hope of reconciliation between classes, tribes, ethnicities and political parties, unifying people under a common identity in Christ.

The local church can restore dignity and bring hope to the suffering, forgotten and marginalized by reaching out to the most vulnerable in its community and answering God’s call to love.

The local church is empowered by the Holy Spirit to do more than human wisdom and efforts could ever possibly accomplish alone.

Local churches can be the foundation of sustainable change. When we partner with them, we have the power to break the vicious cycles of conflict and poverty that endanger the lives of millions of people. On World Humanitarian Day, let us join together to continue empowering the local church to serve the most vulnerable.


Tim Breene served on the World Relief Board from 2010 to 2015 before assuming the role of CEO from 2016-2020. Tim’s business career has spanned nearly 40 years with organizations like McKinsey, and Accenture where he was the Corporate Development Officer and Founder and Chief Executive of Accenture Interactive. Tim is the co-author of Jumping the S-Curve, published by Harvard Publishing. Tim and his wife Michele, a longtime supporter of World Relief, have a wealth of experience working with Christian leaders in the United States and around the world.

Scott Arbeiter retired from World Relief in 2021 as president after serving the organization in various roles for more than two decades and is a former pastor of Elmbrook Church in Brookfield, Wisconsin.

Serving the Most Vulnerable in South Sudan: Nama’s Story

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Nama is a mother of four and a member of a local savings group in South Sudan. She first attended one of the weekly meetings with some of her friends. “We felt challenged to save our money,” she said. “At the moment, we did not see the money to save.”

Nama first believed that a humanitarian organization would provide loans to members of the group. When she and her friends found out that members actually loaned money to one another from within their own pooled resources, several people declined joining. Nama, however, wanted to learn more.

She was sick at the time but could not afford treatment. “One needs about SSP 100-150 to get proper treatment,” she said. That cost is the equivalent of about $30 USD.

“We started saving our income little by little with the hope that we could give assistance to ourselves.” Said Nama. “By this time, we had given up all the initial thinking that we would get any money from the organization.”

When borrowing began, Nama was the second to receive a loan from the group. Two others applied for loans on that day but declined and agreed to wait in order to protect Nama’s health. She was approved to receive SSP 100 for her treatment. In the same time period, she lost a relative and the group gave her SSP 25 as a form of condolences.

Nama has been repaying her loan since January. She says that the group not only gave her access to the resources she needs, but a group of new friends. “The group members kept on visiting me when I was sick,” she said. “They comfort me and I feel I have brothers and sisters.”

When asked about her future plans, Nama said her health will give her new opportunities. She plans on devoting time and energy to her garden and using her savings in eight months to start a kiosk so she can sell goods after farming.

Ending Poverty Means Ending Violence

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“Without an end to the violence that plagues so many in slums, labor camps, brothels, villages, and neighborhoods, our work to end extreme poverty, stop senseless disease among children, and create sustainable economic solutions could erode and even altogether unravel.” –Stephan Bauman, President & CEO of World Relief

As World Relief empowers the local Church to serve the most vulnerable, we come face to face every day with the reality that poor people are extremely vulnerable to violence. Many of the countries in which we operate are war-torn and lack a just rule of law. Around the world, nearly 30 million children, women and men are held as forced labor slaves. One in 5 women will be a victim of rape or attempted rape – and sexual violence makes everyday activities like going to school, gathering water, using a communal restroom or taking public transport dangerous.

At World Relief, we see firsthand that those without protection often lack access to the opportunities, services and materials required to meet their most basic needs. In fact, four billion people – most of the world’s poorest people – live in places where their justice systems do not or cannot protect them from these crippling forms of violence. To advocate for the impoverished, we must also be advocates of peace and protection.

We are joining hands with our friends at International Justice Mission to address the violence directly contributing to poverty around the world. Today, IJM President Gary Haugan and co-author Victor Boutros are releasing their new book, The Locust Effect, to explain why the end of poverty requires the end of violence.

Learn more about The Locust Effect and ways to get involved with the fight for peace. Don’t miss IJM’s unforgettable new video showing what the world is up against as we work together to help the most vulnerable.

IJM Locust Effect Graphic

World Relief in Burundi: Maternal & Child Health

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In Burundi, approximately 58 percent of children under the age of 5 suffer from chronic malnutrition. Malnutrition is associated with serious medical issues later in life as well as lower education attainment, lower earnings and more prevalent violence. It is a result of poor nutritional practices, limited access to food, minimal dietary diversity and chronic illness. Because 80 percent of Burundians live on less than $1.25 per day and have limited access to the most basic financial services, poverty compounds these vulnerabilities and contributes to a cycle of malnutrition in households.
World Relief is empowering the local church to serve the most vulnerable in Burundi and meet the holistic physical, spiritual and relational needs that exist. World Relief provides long-term training and supervision of staff and government officials, who in turn train Health Workers and mothers to promote better health practices in the community through behavioral transformation. Concurrently, World Relief works with the Ministry of Agriculture to train Community Health Workers on the operation and development of small gardens for women to grow food and improve household nutrition and dietary diversity. World Relief also works in partnership with church network Dutabarane to provide crucial financial instruments to the poor through Village Savings and Loans
Associations.

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Marasmus is a form of severe malnutrition caused by a deficiency in calories and energy.FĂ©licitĂ© Havyarimana, a young woman from the central province of Gitega, had witnessed the effects of the disease in the life of her son, Alfred, ever since he was one year old. She said, “I was sad and desperate, not knowing what to do. In my despair, I turned to traditional healers, convinced that someone had cast a curse on my child.”

When a volunteer from World Relief’s Child Survival Program visited FĂ©licitĂ© and examined her son, she explained that Alfred was suffering from malnutrition and that it could be cured. “I didn’t believe her, of course,” said FĂ©licitĂ©. “Nevertheless, since nothing had worked so far, I started to follow her advice on health and nutrition, even if I wasn’t really convinced”.

A month later, Alfred began gaining weight and his health began improving. Encouraged, FĂ©licitĂ© began participating in World Relief’s cooking workshops, where she learned about the components and preparation of well-balanced meals. “The lessons were really helpful to my children, especially to Alfred who was totally cured and went back to his normal weight,” said FĂ©licitĂ©.

Almost three years old, Alfred is now a healthy child who, like many of his peers in the province, has benefited from World Relief’s Maternal & Child Health program. FĂ©licitĂ© said that the program opened her eyes to the mistakes she did not know she was making when it came to the nutrition and health of her children. “Now,” she said, “I try as much as possible to keep them on a healthy and well-balanced diet, and I take them to the hospital to see a doctor at the first sign of illness, instead of seeking advice from traditional healers.”

At the root of the program is the long-term goal of Integral transformation of not only behavior, but beliefs, values and attitudes that bring Burundians to a place where they can experience the kind of life Jesus came to bring – life to the full (John 10:10).

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Savings for Life – Empowering the Poor in Rwanda

Rwanda is a small country with one of the highest population densities in Africa (USAID, 2013). It is also one of the poorest countries, but it has made significant progress since the 1994 Genocide against the Tutsi that killed nearly 800,000 people (USAID, 2013). Poverty has dropped from 56.7 percent in 2006 to 44.9 percent in 2011, a developmental trend worth celebrating (USAID, 2013). Still, Rwanda’s poorest are often excluded from formal financial institutions and basic financial services because of fees and geographic barriers. Less than half of the population is formally banked. Lack of access to savings makes these people more vulnerable to economic shocks and it prevents personal investment for future development.

Local churches in Rwanda are well-positioned to address poverty in their communities. They typically respond by providing food and money to the poor, a well-meaning effort that fails to address root causes of poverty. Often, these churches lack the skills and tools to be agents of transformational development, a holistic approach to poverty that involves
sustainable changes in attitudes and behaviors. World Relief is responding by empowering the local church to deliver basic financial services and education to Rwanda’s poorest through the Savings for Lifeℱ program, which makes access to savings and loans possible for the most poor and vulnerable. World Relief trains church volunteers who, in turn, train savings and credit groups in the communities. Special emphasis is placed on savings mobilization methods, Biblical stewardship, financial integrity, overcoming poverty, effective asset use and group government and management.

The impact of Savings for Lifeℱ extends beyond economic empowerment as Savings Group members discover that they already have the resources necessary to advance their lives and those of their children. The community becomes more resilient as members help each other set aside money for emergencies. When World Relief concludes its work, these self-sustaining groups continue to meet and holistically transform the lives of members. Groups provide an opportunity for people to work together for a common financial goal and serve as a safe place of social support. World Relief has been implementing Savings for Life in Rwanda since 2010. There are currently 682 groups and 14,535 members across four districts.

Courtney O’Connell is World Relief’s Senior Technical Advisor for the Savings for Life program. She will be speaking at the University of New Hampshire’s Carsey Institute of Sustainable Microenterprise Development Program in a class titled “Savings Groups Post-Project: Evolution, Sustainability, Enrichment” Nov. 18-22, 2013 in Arusha, Tanzania. The following interview was conducted on Oct. 28, 2013.

Courtney, what is your history with transformational development,
World Relief, and as Senior Technical Advisor for the Savings for Life program?

C: I joined World Relief in 2011 after having already lived in Africa for three years.  My earliest work in Africa heightened my understanding of the need for transformational development to be truly holistic.  I believe that just focusing on one area of life, physical, for example, ignores so many other areas of a person that need to be addressed:  spiritual, social, emotional, financial.  Joining World Relief’s Savings for Life team, then was a perfect fit for me as we try to address communities in a holistic way,

In which countries is this program currently being implemented?

C: We started our Savings for Life (SFL) program in Burundi in 2008, then expanded to Kenya and Rwanda in 2008 then to Malawi (2011), Congo (2012) and South Sudan (2013).

To date, do you know the total amount of Savings Groups and
members?

C: Currently we have 104,857 members across all 6 countries.

Why does Savings for Life and the Savings Group model work so
well? In other words, what about this model is different from other existing
financial services and institutions offered either by countries or other NGOs?

C: The essence of the SFL program is this:  groups of 10-25 community members come together and save their own money, use that common pool to make loans to each other charging an agreed upon interest rate.  Then, after about 9 months, the members get back all the money they saved plus their share of the interest, or profit, the group made. This money that they’ve accumulated, generally $75-140, is usually the most amount of money these community members have ever had in their hands.  And, it’s all theirs! The empowerment they take from this method is remarkable. Members are able to put children in school, buy health insurance for the very first time, invest in a business, or make tangible improvements on their homes.  It’s such a huge change in a relatively short time.

Our approach is different from most other NGOs who do savings programs. First, we strive to deliver a high quality, technically sound savings program. It improves upon the indigenous forms of savings that have been present in rural communities for generations and generations. Most importantly, however, World Relief is working in and through the local church. Our desire is to see the church own this program and, towards that end, have volunteers from the church that help to form and train new savings groups.  Groups pray with each other and support each other in times of need.  We also have a Bible Study the groups can do to supplement their savings activities.  In all these ways we’re trying to address the spiritual and the financial lives of the members.

Can you share a recent story from the Savings for Life program in Rwanda?

C: In the Nayamasheke district, Savings for Life empowered the Tuzamurane Savings Group (below) with the ability to address other areas of need in their lives.  The members identified that each one needed a mattress at their house, as some were still sleeping on dirt floors. So they took turns buying mattresses from their collective savings until everyone had one.  They were so proud of what they did, they bought matching ‘uniforms’ so that the entire community would know that they were empowered and could do fantastic things!

Child Care Centers are Vital for Malawian Orphans and Vulnerable Children

In the United States, where about 91 percent of children are covered under some form of health insurance (U.S. Census Bureau, 2011) and have access to health and social services, it can be difficult to acknowledge the stark, contrasting conditions for children in countries like Malawi. There, poverty, food insecurity, HIV/AIDS prevalence and weak social service capacity have led to child abuse, neglect and exploitation. The needs of Malawian children are physical, spiritual, emotional and social. However, care is limited: only six percent of orphans and vulnerable children in Malawi receive medical support, four percent receive psychosocial support, nine percent receive material support and six percent receive educational support (UNICEF, 2011).

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Community-based child care centers serve as vital spaces for children to play, receive nutrition and hygiene education and access clean water. They are viable solutions for Malawian communities, yet only 30 percent of Malawian children have access to them. Local churches, in collaboration with key stakeholders, have the capacity to increase the provision of child protection and development initiatives in their communities through the establishment of more centers.

World Relief in Malawi is responding to God’s heart for justice, particularly for children. World Relief in Malawi is empowering local churches to create sustainable programs that promote self-efficacy, self-worth and hope for the future of 500 children between 3 and 18 years of age, most of whom are from HIV-affected, rural communities. Through the formation of 10 church-run, community-based childcare centers and the renovation of four existing centers, children will have better access to cutting edge, holistic services. At centers, volunteer caregivers provide children with nutritious food, facilitate games, assist with homework and provide life and psychosocial skill services. As an integral aspect of meeting the holistic needs of these children, caregivers also help children memorize Scripture and gain a better understanding of Jesus Christ.

Recently, World Relief staff shared its mission and vision for Malawian childcare improvement with Salima district’s traditional leaders, including Chief Khombedza. The Chinkhali Presbyterian Church decided to reopen its childcare center, which closed in December 2012 from a lack of resources, training and community involvement. “We did not know recommended ways of handling children at a childcare center,” said Paulina Katoma, one of the church’s volunteer caregivers. “We just did it anyhow.”

Now, through its partnership with World Relief, Chinkhali Presbyterian has access to the resources, training and empowerment necessary for meeting vulnerable children’s physical, spiritual, social and emotional needs. In word and deed, the church is able to share the transforming power of Jesus Christ with Malawi’s orphans and vulnerable children.

“In the same way your Father in heaven is not willing that any of these little ones should perish.” Matthew 18:14

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