Posts Tagged ‘Savings for Life’
Breaking Barriers in Burundi: Women Who Make It Happen
Leocadie is a leader in so many ways. She’s a farmer, a wife, a mother to eight children and a grandmother of 20 — two of whom, she proudly says, are a set of twins who were born this past February.
For most of her life, though, Leocadie says women weren’t welcomed into leadership roles within the community nor were they empowered to be a part of making decisions for their families. But that began to change in 2010 when World Relief launched a savings program in her community and invited women, like her, to lead.
“When our group was formed I was elected to lead them. I took it as a privilege,” she said. “I was inspired by the interventions that [World Relief] was conducting because I saw them as a way to help others in my community who were going through many issues within their families.”
Over the next 11 years, Leocadie continued to grow as a leader. When World Relief launched agricultural programming in her community, she stepped up to lead in this area as well. And while the economic advancements she and her group have made by implementing new agricultural techniques and better financial management, the transformation her community has experienced in the area of gender equality is equally as remarkable.
“In the past, women were supposed to stay home and take care of the family, with their time mostly spent in the kitchen,” she said. “Now we participate in all decisions, at the colline (community) level. We have female leaders, savings group female leaders. I am very happy to see how I am respected by women and men. They listen to me because they see the impact of what I am doing.”
Leocadie’s leadership is rippling throughout her community. She’s created a sense of connectedness and support for women in her group like Jeane, the youngest member of the group, who says that learning from Leocadie has helped her grow as a mother and has improved her marriage.
“I am very happy to be part of this group,” Jeane said. “I am one of the youngest with two little children. I get an opportunity to be with wise women, grannies. Group members opened the door for me to learn from their marriages. As a result, I know how to be a better woman, and my husband and I discuss our feelings and make decisions together. ”
And it’s not just the women who are experiencing transformation. Pasteur Sinzumusi, the lone man in the group of 24 women, has increased his income, improved his marriage and totally shifted the way he views women thanks to Leocadie’s leadership.
Pasteur initially joined the group because he noticed the women were experiencing a better crop yield than he was.
“Before joining them, I had no savings at all,” he said. “I was farming in old fashion (outdated techniques), which did not have a good harvest. The reason I joined is because I saw their lives were different from mine. They had new skills and knowledge in farming, so I approached them.”
Today, Pasteur says his plot of land looks amazing, his income has increased and he can now easily afford to buy necessities like soap and send his kids to school. He attributes much of his success to the leadership of Leocadie and the community of women he has learned alongside.
“I respect my leader. She is just amazing. She does her duties well. Through her leadership, my way of viewing women has changed. Before I thought they couldn’t lead, but now I can testify that women are capable of leading. And this made me respect my wife and let her step into exercising her gifts.”
Leocadie is grateful for all the ways she’s seen her community transform. Women are more involved in community associations; marriages are more egalitarian in their decision-making; women participate in household management and can contribute financially.
She is hopeful to see her group continue to improve their farming and embrace new skills.
As we celebrate the accomplishments of women and the barriers they are breaking down, we echo the words of Pasteur when he said: “Women can do things as men. I invite all men to come to see how our association is well organized and well managed by female leadership. They will learn that women are good and great leaders.”
Millions of women, just like Leocadie, are choosing to challenge the limits placed on them and break through the barriers around them. Their daughters, granddaughters and great-granddaughters will know a world where women are respected, valued and lead. Will you join them in building a better world by giving today?
Ezechiel Hatungimana born and raised in Burundi with a passion of seeing his country developed holistically. Prior to World Relief, Ezechiel has served in a local organization aiming to empower the lives of people holistically, working directly with churches. While he is still completing his bachelor’s degree in Business Administration, He joined WR 2018 and he supervises a team of 20 people who equip 500 local churches. Ezechiel is married and blessed with two children. Ezechiel and his Family worship at PTI Church where he serves as a preacher. 
Rachel Clair serves as a Content Writer at World Relief. With a background in creative writing and children’s ministry, she is passionate about helping people of all ages think creatively and love God with their hearts, souls and minds.
Supporting Small Businesses in Cambodia: The Lion’s Den
It’s no secret that small businesses suffered throughout 2020. But thanks to a partnership with
Bent Tree Bible Fellowship, aspiring small business owners in Cambodia found support through World Relief.
Bent Tree has been partnering with World Relief for nearly 15 years. Through their Business as Missions initiative, Bent Tree staff and volunteers helped refine a business development curriculum that has been used to train World Relief Cambodia staff and savings program participants.
Most recently, Bent Tree church member and local business leader, Michael Cozzi, helped launch a new initiative in Cambodia called the Lion’s Den, which is similar to the TV program Shark Tank. Michael and Romroth Choun, World Relief Cambodia’s Program Operations Director, shared more about the new initiative and how they hope to see it grow.
Michael, how did you first get connected with World Relief?
M: In 2018, I traveled to Phnom Penh with a group from Bent Tree. We conducted business development trainings in partnership with World Relief Cambodia. But really the story began one year prior when I was encouraged to take a global missions class at Bent Tree. The Holy Spirit used that class to change my life. I learned what it meant to be mission-minded and leverage my gifts to carry out the Great Commission. Little did I know that less than one year later I’d be teaching biblically-based business development in Cambodia to some participants who had never heard of Jesus before.
What prompted you to bring Lion’s Den to Cambodia?
M: During my second trip to Cambodia, my co-leaderJackie Mosley and I collaborated with Brandon (World ReliefCambodia Country Director) on ideas to assist business development participants beyond just the trainings we conducted.
Some of the ideas included microfinance loans to small businesses. However, after reading reports on Cambodia’s debt problem, I realized the rapid rise of tiny microfinance loans often led Cambodians into more debt. So, I knew this option would not work.
That’s when God connected me with Lion’s Den — a Dallas-based organization that mobilizes Christian business leaders to invest their talents and resources for kingdom Impact. Lion’s Den gives entrepreneurs the opportunity to pitch their business plan to investors in hopes that they will fund their business for growth.
I felt God prompt me to bring Lion’s Den to Cambodia, and with Bent Tree’s spiritual, organizational and financial guidance, we pooled our resources and pitched the idea to the World Relief staff in Cambodia. Together, we launched the first Lion’s Den Cambodia pitch event in early 2020 and a second was successfully completed in the fall 2020.
Romroth, what were your initial reactions to Lion’s Den?
R: When Michael first brought the idea, I thought, “What is the Lion’s Den Pitch?” It was really a new learning experience. Michael helped us develop a rubric for learning, testing, idea analysis, and then he also added a spiritual component. Bent Tree has conducted business development training for several years. But we observed that most participants didn’t have many chances to expand or form new businesses, and that’s something I really wanted to see happen. So, God’s hand was really moving in the Bent Tree team’s heart.
What was the first pitch session like?
R: I felt a bit nervous because this was really new for both World Relief and the business candidates. Participants pitched grocery selling, chicken and pig raising and small food shops in the villages. We selected four winners from among nine candidates.
Some recipients received vocational training to open new businesses such as tailors and hairdressers. Others started raising livestock and other agricultural businesses. The agricultural businesses did well, but some of the others did not. There wasn’t much a of a market where those businesses opened. This is something further business development training would help solve.
*In all, 27 people submitted business plans to the Lion’s Den, and 12 received funding. In 2021, World Relief Cambodia has two more Lion’s Den events planned, and is excited to continue growing!
What do each of you hope to see come of this partnership in the future?
M: First, God put it on my heart to love, care and pray for the people of Cambodia. Beyond that, I feel the Holy Spirit leading me to grow Lion’s Den into more parts of Cambodia. I also hope to expand the Lion’s Den to other countries World Relief is working in as well. In the end, my heart is to love people everywhere as Jesus did through business and missions!
R: Partnering, to me, is sharing and caring about God’s Kingdom. I want to see at least 50% of our savings program members have a chance to form new businesses or expand current businesses in order to decrease poverty. This will bring the glory to God. I hope that with Bent Tree’s partnership we can figure this out.
What would you say to others in the marketplace about how they can leverage their gifts and resources to serve and empower others around the world? M: I would encourage people in the church with business experience to ask God how He wants them to participate, be it financially, spiritually or by sharing their business experience. I hope the Holy Spirit leads more men and women to use their God-given business talents to help the vulnerable start and grow new businesses. I see our partnership with World Relief as a channel to share the good news Jesus through biblically-based business development.
You and your church can support similar initiatives and empower communities across the globe by joining The Path.
Rachel Clair serves as a Content Writer at World Relief. With a background in creative writing and children’s ministry, she is passionate about helping people of all ages think creatively and love God with their hearts, souls and minds.
COVID and the Issues: Economic Development
We know many of you are concerned about how World Relief’s programs and the vulnerable people we serve around the world have been impacted by COVID-19. It’s been reported that 500 million more people could be pushed into extreme poverty as a result of the coronavirus pandemic.
In the first of our six-week video series, COVID and the Issues, we talk with Courtney Purvis, World Relief’s Senior Program Advisor for the Savings for Life program. Watch as Courtney provides an overview of our savings group program and explains how this program is helping people weather the economic upheaval caused by the pandemic. We promise you will learn a lot, and we hope you feel inspired by the amazing work your continued gifts and partnership will make possible.
Come back next week to hear how COVID-19 is affecting children around the world and how our Child Development and Protection programming is adapting. To learn more about partnering with us as we address the COVID-19 pandemic and its effects on vulnerable people across the globe visit worldrelief.org/covid-19.
Mary Milano serves as the Director of Fundraising Content at World Relief.
Possibility in the Face of Complexity
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.”Â
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.Â
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. Â
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.
Thank God for Women — A Conversation with Courtney O’Connell
Thank God for Women is a blog series rooted in gratitude for the strength, courage, and incredible capacity women demonstrate.
After living and working in South Africa and Zambia, Courtney O’Connell came to World Relief in 2011. With a master’s degree in International Development from Eastern University, Courtney took on the role of Savings for Life (SFL) Senior Program Advisor, supporting program staff in the nine countries where World Relief implements SFL. She loves living in Rwanda, close to where Savings for Life is being implemented, and when she’s not working, Courtney can be found running and biking throughout Rwanda’s beautiful countryside. Recently, Cassidy Stratton, World Relief’s Marketing Coordinator, had an opportunity to catch up with Courtney to hear how she’s seen World Relief’s Savings for Life program empower women around the world:
Cassidy Stratton: You noted that you had already lived in Africa for 3 years. How did you specifically get connected to World Relief?
Courtney O’Connell: When I was job searching, I knew I wanted to do economic development in Africa with a Christian organization, and so I just went to some of the big names that I could immediately think of. World Relief actually had my current position posted, so without even thinking, or even proofreading, I submitted my resume. And, by the grace of God, I got it.
In my previous work overseas, I had seen organizations that claimed to be Christian on the website, and when I went to the field to see their programs, there was actually nothing Christian about them. And I was not sure if World Relief was like that since I had not seen them overseas. So I reached out to a professor of mine who was writing a book for which Stephen Bauman, the president of World Relief at that time, was submitting a chapter. She forwarded me Stephen’s chapter, which was all about working with the church and the heart and soul of what World Relief is about. As I read it, I said “Man, that sounds really good! And if they are who they say they are then I would totally be in..”
As I left the U.S., I thought, “I’m not selling my car until they prove that they are who they say they are.” Not that my car was nice; it was my Grandma’s hand-me-down Buick. Well, I moved to Rwanda in July of 2011. And I immediately, I fell in love with the way we do our work. Everything Stephen wrote about was true. There truly is a partnership with the local church, and the desire is to see the local church shine, not the organization. And to really infuse and integrate biblical beliefs into programs. To me, that was so unique. I was, and still am, thrilled to be a part of an organization that cares for the vulnerable in the way we do.
CS: Can you tell me more about your current position?
CO: I am the Savings for Life Senior Program Advisor—a program that forms community-based savings groups, where people pool their own money together in order to give loans to each other, charging interest. And after a set period of time—approximately 9 – 12 months—everyone takes back the savings they had put in, plus the portion of interest that they earned. So then it’s a very useful amount of money that a family can use to pay for school fees, invest in their farm, start a business, repair their house and the like. The best thing is that it is all their own money. It’s not like a loan from a bank. And when they go home at the end of this cycle for savings, they have in their hands probably the most amount of money that they’ve ever had at one time. It’s such an empowering program, and it’s great to be a part of it.
World Relief is running this program in 10 countries, and my role is to work alongside the program managers and field staff that are actually running the program. My role is to support them, help set strategies, prepare proposals, and make sure they have all of the tools to run a successful program. It’s cool for me because I get to be pretty close to the action, and I get to walk alongside the staff, the real heroes who are doing the work. Sometimes I feel like a cheerleader, cheering the programs along and helping teams to see what’s possible.
CS: What role have you seen women play in the Savings for Life Program?
CO: In most of the context where we’re working, the women are the glue of the society. They are the strong one’s in the family who make things happen. Unfortunately in most of Sub-Saharan Africa, the traditional gender roles are that the men are the ones who make all of the important household financial decisions and are the controllers of the money. The women are the ones who are tasked to provide for the family on a daily basis, yet they don’t have a lot of authority or even their own money to make things happen.
We hear a lot of testimonies from women saying that it’s embarrassing because they have to go and—they use the word “beg”—their husband in order to get money to buy salt, buy oil, etc. in order to prepare food. If she can’t prepare food then she is not doing her gender role. But in order to do her role within the family, she actually has to ask her husband for help. So it’s this huge power dynamic struggle.
The Savings for Life program worldwide is 80% women. And we see that women are the ones that benefit from this. They say now they do not have to beg their husbands because they can provide for themselves. They have this glow about them—this empowerment, this hope—because they feel like they are now doing the role that they are designed to do. Not only that, but they are also starting new businesses and paying school fees for their children, all things that had only been a dream before.
CS: Can you recall a specific success story of a Savings for Life group?
CO: I remember visiting a savings group at the beginning of their savings cycle, and they said to me, “We’re just poor people and can’t save, so can you give us money?” And then I actually went to visit that same group 9 months later when they were having the day of distribution. They literally had a table mounted with money. You could just see the joy, the hope, the empowerment, the confidence beaming out of them. And they were able to say, “This is our money, and no one helped us do this.” To me, this is what we’re here for. That’s the success. When people say that we can set our own goals and no one else has to do it for us.
CS: Is there a specific woman that has impacted your work?
CO: Another story I want to tell you about is about a woman named Adele. She lives in Burundi, one of the poorest countries where we work. It’s a beautiful country and has a lot of resources, but it also has a lot of poverty and corruption. Adele lives way out in the middle of a village, and Savings for Life comes that way, and she decides that she is going to join. During her first cycle of savings, she was able to buy a goat. This was the very first goat that her family owned. A goat out in the village is first a huge status and second a long-term savings. She was so happy to buy this goat. And by the second cycle of the savings program, she was able to buy a cow. Her family was able to use this cow to plow their fields. The savings group was impacting multiple areas of her life.
A few years after she joined the savings group, the community staff member approached her and asked if she could be a volunteer for Savings for Life, and she accepted. She got trained on how to be a volunteer village agent, and then she went out and started other training groups. Now she’s working in her own community and neighboring communities, helping to teach other people about this program that has been so impacting for her.
CS: How have you seen the savings groups also serve as support groups?
CO: The social aspect of the groups really help. There was a woman in a savings group that became a widow. She ended up moving back to her family, but she had a lot of relational problems and it wasn’t healthy for her stay in the household that she grew up in. And so her savings group actually built her a house. It was their own initiative. World Relief was not part of it at all. It was that this group of women cared for each other so much that they saw their sister in need and did something about it.
To me that is just really powerful how the social aspect of the savings group helps the women walk alongside each other to achieve their goals financially. And to just have social capital and strength. It helps relationships go way deeper.
CS: Have there been any women in your life that have influenced your work and the way you engage with women around the world?
CO: The small group that I’m a part of. There are women here in Rwanda that we meet on a weekly basis to walk through life together. There are challenges of living abroad, and being away from your home culture, and sometimes there are just frustration of life, and to be with other people who you know want the best for you and care about you and ask how they can help you. I have been impacted by that and have found a lot of solidarity and strength from these women.
I liken that to the solidarity and strength other women can get from their Savings for Life group.
CS: Why do you Thank God for Women?
CO: I thank God for women because I see the strength that they provide for their families and the hope that they provide for their children. Women are the ones in the family that are able to change course. Their family might have been living in poverty for generations and generations, but if a woman has hope, and has the confidence and the empowerment, then she can change that course for the generations to come.
And I think the real strength in rural communities, especially in Sub-Saharan Africa, are the women who are holding everything together, making changes for their families and their kids. I think women are the changemakers in our world.
Give today to create a better world for women.
Savings is HOPE
The Democratic Republic of Congo (DR Congo) is one of the poorest places in the world. In a country where more than 70% of the population live below the national poverty line and war has led to over 5 million deaths, hope can seem lost. But resilient Congolese women, men and children are working for hope. And Eperance Kayitesi is one of them.
A widow living in eastern DR Congo, Eperance is a mother using what she has to prepare for a better future. Since the conflict erupted in the region almost 20 years ago, life has been hard for her family. With no help from relatives, she singlehandedly supports five children in her home, but can’t afford to send them to school.
Joining the Amani (“Peace”) Savings for Life Group in her village has empowered Eperance to fight the overwhelming odds of poverty. This small group of mostly women subsistence farmers meets together regularly to save, give small loans and make sure each member has what they need.
As a savings group member, Eperance took a small loan to purchase potato and bean seeds, which she planted in her small field. Eperance says that God blessed her yield and her family was able to grow nutritional food to eat.
More than just benefitting from the loan, Eperance was also able to save money. She used the savings to buy two goats for the family – generating income as well as providing nutrition for her family. Eperance considers this a miracle, saying, “I was saving only the small amount that I could, but I received so much. My life is improving because of savings, something I didn’t understand in the past. I praise God for this.”
This month, we’ve discovered the incredibly powerful meaning Savings for Life has for women and men in some of the most vulnerable places on earth. And you can be a part of this – stand with us today as we pursue lasting change through economic development.
Savings is RESTORATION
Poverty runs deep in Rwanda. Even though this country has made signifiant social and economic progress over the last decade, the vast majority of Rwandans live in rural areas and struggle with severe financial hardships. Of the 87% of Rwandans who do not live in cities, 48.7% live below the national poverty line. Living in this stark reality in northwest Rwanda, Odette Hakuzayezu found herself miserable and hopeless. Invited to join a Savings for Life group by a World Relief trained volunteer, she agreed and had little idea of what it would bring. Group members meet regularly, pool their money together in savings accounts and create an emergency fund that can be used by someone in the group with unexpected, urgent needs. Saving what little she had over time added up and before Odette knew it, she was able to buy a sewing machine.
For Odette and many others like her, savings is more than just accumulating money – it’s restoration. Being a part of a Savings for Life group empowered Odette to use what she had in community with others to make a better future for herself and her family. She now has a tailoring business, a regular income and a way to help take care of her family of 5. Odette’s dignity and hope are restored and she’s gained encouraging friends, fellow savings group members, in the process.
In partnership with local churches around the globe, World Relief meets the tangible and spiritual needs of thousands of people like Odette each year through programs like Savings for Life. Simple financial trainings and accompanied Bible teachings lead to a restored life with limitless possibilities.
This month, we’re discovering what Savings for Life means to women and men in some of the most vulnerable places on earth. Check back with us again next week to hear more stories of hope – and stand with us today as we pursue lasting change through economic development.
Savings is STRONG MARRIAGES
Marriage. A sacred bond between a man and a woman. A bringing together of two people who choose to love one another. A divinely instituted covenant.
These definitions give a pleasant picture of what marriage can be. But as we all know, relationships of any kind have their challenges. And most married couples will tell you that while marriage can be wonderful, the snapshots of this sacred bond aren’t always picture-perfect.
Finances are one of the main culprits in this strain on relationships, interrupting an otherwise beautiful picture of love. Whether it’s different opinions about how to spend money, lack of finances or a lack of good economic opportunity in the city where you live, couples throughout the world deal with some of these issues on a regular basis.
Beatrice and Joseph are one such couple who know all too well how much finances can impact a marriage. A young Kenyan couple in their 20’s, they have 3 children and live in a country where nearly half of the population live on less than $1.25 a day. Dealing with some of the every-day challenges married couples around the world face, living in an area where the economic opportunities are minimal can exacerbate an already sensitive situation.
After major disagreements about finances that nearly ruined their marriage, Beatrice and Joseph were at a breaking point. But then, hope came in the form of a savings group.
Joining World Relief’s Savings for Life groups, they were able to pool together what little they had with others in their community and rebuild their family. Savings and small loans from the group allowed Joseph and Beatrice to expand their business and pay for expensive healthcare costs. To complete this picture of unity, Beatrice and Joseph’s marriage became stronger, as the economic burden lifted and the savings groups provided good encouragement and accountability.
While Savings for Life groups economically empower the vulnerable, they offer so much more relationally, spiritually and emotionally. Beatrice is grateful not just for the economic opportunities that come with being a part of a savings group like this, but also for the renewed strength of her marriage and family it’s provided, reaching far beyond her pocketbook.
This month, we’re discovering what Savings for Life means to women and men in some of the most vulnerable places on earth. Check back with us each week to hear their stories of hope – and stand with us today as we pursue lasting change through economic development.
Savings is _______
By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures.
– Proverbs 24:3-4
Savings is more than just money – it’s freedom, empowerment, and community.
And for Lana Sitole, a Kenyan mother of ten, Savings for Life also marks the start of changed lives.
Savings for Life groups open doors of economic opportunity that are too often closed to the most vulnerable, especially women living in rural areas. At weekly meetings, groups of neighbors pool their existing resources – a few dollars at a time – into a group fund. Then they build their savings, broker small loans and study God’s word in community.
In every corner of the world today, savings and loan groups aren’t hard to find – there are an estimated 250,000 savings groups throughout sub-Saharan Africa alone! Lana has tried out several different groups near her home, but she believes Savings for Life stands out from the rest.
Feb 2 blog pic_Lana
At Savings for Life, all of the money exchanged comes only from the pockets of the group members – not outside lenders. To Lana, this is a key difference. It means that the members themselves are casting the vision for transformation in their communities.
Savings for Life members borrow small sums from their group to start businesses or invest in their farms – then use the profit to send their children to school or regularly provide them with protein-rich food. Some groups even set aside some of their savings to care for widows, orphans and neighbors who are sick in their communities.
When Lana borrowed a loan from her neighbors to build a new house, her family changed in the process too. As she moved from a house made of mud and grass into a strong, iron-walled home, Lana saw a new side of her husband. Although she typically earns her own money from selling milk or jewelry, he now looks forward to lending to her. He trusts that she’ll bring the money back from the savings group with added interest. Other men in the community are so impressed by their wives’ financial wisdom that they’re joining savings groups of their own!
One shilling, one home, one family at a time, change – powered by community members – is sweeping through Lana’s village. It starts at Savings for Life.
This month, we’re discovering what Savings for Life means to women and men in some of the most vulnerable places on earth. Check back with us to hear their stories of hope – and stand with us today as we pursue lasting change through economic development.
Empower a Hero: Jocelyn in Rwanda
“Before I joined the savings groups I was alone. I used to walk alone in the fields every day and I didn’t belong,” said Jocelyn, a business owner and mother from Rwanda. But since joining a Savings for Life group, Jocelyn has grown into a confident entrepreneur and member of a supportive community of women. Now, she goes to the market each day to sell her vegetables. The money she earns allows her to provide her eight children with medical insurance – and lend to other women who want to break free from poverty. In Rwanda, Savings for Life groups grow out of partnerships with the local church. Church leaders and volunteers create opportunities that help the most vulnerable develop economic stability in their families and communities. As pastors discover their church’s role in addressing the root causes of poverty, they are motivated to invite their most vulnerable neighbors into groups like Jocelyn’s.
Seventy-two percent of Rwanda’s 20,530 Savings for Life members are women, who are especially vulnerable to economic hardship. But in each meeting, women grow in independence and confidence as they accumulate savings and expand their financial knowledge. They encourage and celebrate one another with each new success.
Jocelyn’s first success came when she opened a produce shop with a loan from her savings group. Now that she can sustainably support her children, she is working to pay it back while lending money to others. “When we come together, we pray, then we open the box which has the money…and collect the social fund for loans,” Jocelyn said. The social fund protects the members from the shock of emergency costs. Small grants are given to cover unexpected medical procedures or home repairs.
Women in Savings for Life grow in deep friendship with one another. As they come out of isolation, they are welcomed into compassionate communities. “This savings group has united us because we pull together and solve problems as one group,” Jocelyn said. Today, Jocelyn is empowered to not only support her own family, but the economic growth and welfare of her entire community.
Check back with us throughout January to meet more heroes like Jocelyn. They’re leading their families and neighbors in the work of justice in some of the most vulnerable countries on earth. You can join the movement today at EmpowerAHero.org!
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