Microfinance update: Doris

Doris and her school uniforms

Doris and her School Uniforms

Microfinance has become a significant enterprise in developing countries. The microfinance model loans small amounts ($100 -$500), often too small for a bank, to individuals to improve / expand their businesses. To participate in a microfinance organization, individuals come together to manage savings, loans and payments. Each group decides who and how many can join (anywhere from 8 – 20 members). Members hold each other accountable for saving money, developing sound business plans for loans, and repayment of the loans. Many of these groups also develop strong personal ties, encouraging and supporting each other during difficult times.
God has used the Life for Children Micro Enterprise Development Department (MEDD) to change the lives of people like Doris.

Doris is a member of the Stable Parents Guardian Group. She taught herself how to sew on a treadle sewing machine and started a business making school uniforms. A visiting mission team from Wesley UMC in Evans, GA. met her in the summer of 2013 and bought some of her school uniforms to bring back to the U.S. This purchase allowed Doris to repay her first loan and obtain a second loan. Since that time, she has been steadily increasing her stock. Doris does her sewing at home and brings her wares to the market in Kisumu. She shares a stall area just outside the Kisumu City Market. Her enthusiasm at showing her stock shows how much her self-esteem has soared because of her business!

Obunga Women’s Group – Microfinance

Jennifer selling her boiled corn

Jennifer selling her boiled corn

The Obunga Women’s Group has 18 members. These women have developed this group into much more than just a micro-finance accountability group. These women meet once a week to review the micro-finance data, but they also meet another day during the week to support each other. They meet at a different house each week and the host shares about what is going on in her family’s lives. This group also maintains a welfare kitty to use when a member needs extra help.

Jennifer Anyango is a guardian with Life for Children and is the treasurer of the Obunga Women’s Group. Jennifer has four children; after her husband died, she was not treated well by his family so she came back to live with her mother and sister. Jennifer buys corn each day, boils it and sells it. She has paid back two loans and has applied for a third loan. She has increased her family’s income with her business and provided the initial funds to allow her mother to also buy corn to boil and sell. She attempted to branch out into selling rice, but that did not turn a profit. Now she is planning to add buying and selling used clothing. She and her mother support eleven people in their household.

When Jennifer left her in-laws, she was a marginalized young widow with low self-esteem and little hope. Through the Obunga Women’s group and the microfinance program, she has become a self-confident young woman who knows she can provide for her family.


Microfinance Benefits Families

Pius (pronounced Puce) is the chairman of the Tekchuali microfinance group. He has been in business about 14 years and has participated in several microfinance programs. He started his business 14 years ago by selling kitchen supplies: plastic tubs and bowls, etc. About 10 years ago he switched to used metal. Pius’ wife sells dry beans, corn and grain in another market. They have 4 children, the oldest in class 7 (7th grade). He’s used the microfinance loans to expand their businesses using 25% of the loan for his wife’s business and 75% for his business. His goal is to continue to grow his business by moving from a ground plot to a shop stall.


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Heart for 100 in Kenya shared their The Participants Keeps Growing. ... See MoreSee Less

When a loan at Heart for 100 in Kenya is paid back, this creates a new opportunity for another woman to launch her new business. in 2013, there were 629 participants in 2015, there were 935 particip...

Millicent began her business solo, in a short time she has acquired 6 employees! Being able to employee 6 women means 6 families lives are changed and the community as a whole.

Her trade is sewing clothing for men and women and recently, she has added luxury items to her creations.
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Doris began sewing her grandchildren's school uniforms out of necessity---by hand.

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Christine started with 100 chickens and was excited aout creating more for her business and her family. She now has a restaurant, is selling clean water and is a landlord for other entrepreneurs.

"If you have a problem, give it to a woman."
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When a loan at Heart for 100 in Kenya is paid back, this creates a new opportunity for another woman to launch her new business.

in 2013, there were 629 participants
in 2015, there were 935 participants
in 2016, there are over 1000 participants and it is growing...

#Women are approved: which means they have gone through training and have saved 20% of their loan and they are waiting to start their businesses.

Some of these women have repaid their loans 4 and 5 times either growing their existing businesses or starting new ones.
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Linda Foster thought she was going to ease into retirement from teaching #women to create and successfully run their small businesses.

God had other plans for her, because when she got back from a mission trip in #Kenya, she couldn't escape the new seed in her heart and a new vision was born.

She is emotionally invested in the Life for Children's Ministry and Heart for 100 in Kenya's vision in helping women become sustainable in their businesses.

Are you interested in joining her in Kenya? Go to heartfor100.org to find out how you can participate.
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The principles of Heart for 100 in Kenya:
1. Small groups of women are mentored by a trainer on a weekly basis. They are taught business skills and support each other.
2. After they are trained and have saved 20% of the loan, then they can apply for their loan.
3. Accountability is key: all members are responsible for all loans in the group.

Its simple, it works and lives are changing. If it speaks to you, click: heartfor100.org and donate TODAY.
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Every woman wants to be a contribution to her family. It changes everything: herself, her children, her community. With a contribution to Heart for 100, the trajectory of her life changes, so many factors.

Join with a friend today to help these Kenyan women flourish in their community. Go to heartfor100.org to donate today. Thank you!
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Watch as Linda Foster explains the moment she realized, she was ALL in to support Heart for 100 in Kenya and the women who touched her heart. ... See MoreSee Less