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Kerline Jean Louis

“Before I was part of the savings group, I wasn’t smiling.”

Kerline Jean Louis’ small restaurant is located alongside the bustling highway in Haiti that connects her rural town of Jeanton II with the capital city of Port-au-Prince. The business is perfectly positioned to appeal to the hungry travelers riding the colorful taxis (known affectionately as tap taps), buses, and motorcycles passing by.

A true businesswoman, Kerline likes to adjust her menu according to customer preferences: “It’s really based on demand—some people like grits, some people like rice and beans,” she explains. But before joining a savings group last year, she didn’t have money to purchase the ingredients required to make her most popular dishes. Without reliable access to the necessary ingredients, her business position became precarious.

Then, Kerline’s landlord unexpectedly announced he’d be selling her home; if she wanted to stay there, she’d have to purchase it for the 25,000 gourdes ($388 USD) he was asking for it. As a widow and single mother of three, Kerline is the sole provider for her household. She already struggled to have enough to pay for food, school fees, and rent—there was no way she could afford to buy her home outright. Moving elsewhere offered challenges, too; her home is situated just across the street from her restaurant, and the thought of leaving a space that had been a source of comfort and stability following her husband’s death was difficult to consider.

Kerline and her children were facing the possibility of homelessness.

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by Luke Harbaugh, HOPE Church Representative

It’s tempting to idealize a life of isolation. The fiction of total independence, full autonomy, and little to no social accountability can sound appealing. However, Genesis 2:18 reminds us “it is not good for a man to be alone,” and we also learn from Genesis that God created us to function as social creatures, living in relationship with Him and in community with others. When we embrace a life of isolation, we are denying a key piece of our design as humans, but when we embrace community, we come alive more fully.

I got to personally witness the healing power of community when I visited Ishaan and his sister Darsha in South Asia last year.* Ishaan used to live a pretty normal life—he was funny, kind, and well-liked by those who knew him. But one day he started to get sick—and this sickness went beyond physical symptoms. His personality seemed to change.

He stopped eating, and he would barely drink. There were also violent outbursts and anger. Where he once used kind words, there was now profanity and insults. He would cry out randomly, and he would snarl and flail wildly. Completely out of character, Ishaan also stopped working. Continue Reading…

As a retailer in a local market near Jeanthon II, Haiti, Manoucheka Joseph puts in a long day. At 6 a.m., she packs a black rolling suitcase with her wares—sandals, children’s clothing, and drinks—hails a taxi, and makes her way to the bustling market. She spends the day tending to her stall and helping customers find items, and doesn’t return home until 6 p.m.

Even though Manoucheka was involved with the church in her community, her busy days away from home kept her from getting to know her neighbors. “I didn’t have any friends,” she relates.

Manoucheka also worried about not having enough income to save for unexpected emergencies that might arise—not only for herself but for her 8-year-old son. “Life was difficult,” she recalls. “We earn 100 gourdes, and we spend 100 gourdes. We just live one day at a time, with no hope for the future. So, […] if there’s an emergency situation, how are we going to face it?”

Then, this past February, Manoucheka decided to join Gwoup Epay Debora, the Deborah Savings Group that had started at her church. Continue Reading…

Around the world, HOPE-network clients are accessing financial services to grow their businesses. Join us in celebrating the ways these hardworking men and women are using their gifts, abilities, and creativity to support their families and impact their communities.
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After starting a mushroom business in Harare, Zimbabwe, Raymond Chengata dreamed of expanding his business beyond the local market. But with the cost of taking loans from the bank, he couldn’t access supplies that would allow him to continue growing his business.

In addition to this financial barrier, Raymond’s business dream was further challenged by costly setbacks when a disease killed most of the mushroom crop. Continue Reading…

What is the most significant change members experience while participating in their savings group? HOPE’s partner in Zimbabwe, Central Baptist Church, recently asked 120 members this question. Through drawings and testimonies, members shared stories of strengthened community, deepened faith, and greater provision. We’ve included just a few of their responses below.

Merina found living water

I have been blessed through the savings group. I have found living water. I have learned the reality of Psalm 1:1-6 in my life, and even in trials I will persevere knowing I have recourse and resource in Him.

Merina

Makina learned to value relationships

I have learned the value of being in relationships with others and valuing them in the relationships.

Makina

Gogo Mutandiko now views herself as a steward

Gogo (grandma) Mutandiko says her group taught her not only the value of saving money but also that everything we have comes from the Lord. She saw that the land around her house was lying idle, so she used the space to plant vegetables.

I have planted a garden at my place. I now relate with creation as a steward, and it has helped me a great deal because I save money I used to spend on veggies. And I sometimes earn from the sales of the produce.

Gogo Mutandiko

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