Archives For savings groups

It wasn’t easy for Juvita Cerron to set foot in a church for her first savings group meeting in Comas, Peru. As an unmarried mother expecting her second child, she feared the group would be a place of judgment—but her drive to meet her children’s needs eclipsed her concern for what others might think. As the group welcomed her warmly, their response surprised Juvita: “Through joining a savings group, I found a community that loved me for who I was and reminded me that God loved me too.”

Juvita was still new to the group when her daughter was born three months prematurely. Her savings group embraced her fully, providing support and prayers for her family. After months of constant medical attention, her daughter, Julieta, was near death. Amid crisis, Juvita found new life in Jesus Christ, putting her trust in His faithfulness rather than the relationships or alcohol on which she once relied. Despite doctors’ warnings that her daughter might never fully recover, Juvita rejoices that the Lord miraculously healed her, and now, two years later, Julieta is strong and healthy.

Investing in dreams

Before becoming a mother, Juvita spent two years studying administration at the university level. When she withdrew from college to care for her first child, she had no income and relied entirely on support from her family and her son’s father. She didn’t know how to break the cycle of dependency and provide for her own children—though she longed to do so. Continue Reading…

By Lydia Koehn, Field Communications Fellow

While HOPE International works in a variety of locations around the world, many groups follow a similar 5W’s meeting structure. Adopted from HOPE’s partner in the Philippines, The Center for Community Transformation (CCT), this simple structure ensures consistency, while also creating space for flexibility. Traveling with CCT savings group facilitators for the past four months, I’ve enjoyed experiencing the unique heart that Filipinos bring to their own culture of savings communities.

2:15 p.m. – After unsticking ourselves from the small motorcycle, the three of us—savings program regional coordinator, volunteer facilitator, and me—begin gingerly descending the sharp rocks, down to the edge of the sea. We pick our way through the narrow path of the fishing village, dodging crowing roosters and scampering children.

2:30 p.m. – We arrive just as the savings group’s treasurer squats down beside a rusty, peg-legged wooden table. I gratefully slip into a sliver of shade and look around at the houses perched precariously on wooden stilts that buckle on the rocks below. Tucked into the shadows beneath their homes, several savings group members sit, smiling back at me while waiting patiently for the meeting to start. Continue Reading…

While living in Uganda as refugees following the Rwandan genocide in 1994, Mariya, her husband, and their six children made a living by raising cattle. Years later, they decided to return to their home country of Rwanda and use the money they had saved to build a house and start a small farm. But their homecoming would not be an easy one.

“When we got here, we faced a lot of problems,” remembers Mariya. Her oldest son lost his leg in an accident while driving a motorcycle taxi, and her eldest daughter suffered from intestinal infections. Struggling to profit from their small farm, the family found that these additional medical expenses exacerbated their already vulnerable situation, draining them not just financially, but also physically and spiritually. Continue Reading…

At HOPE International, we’re passionate about training. Because many clients have had limited access to formal education, HOPE’s network offers biblically based training, mentoring, and coaching to help clients grow spiritually and professionally.

In collaboration with Chalmers Center, HOPE recently developed RESTORE: Savings, a curriculum to guide church facilitators as they train and support savings groups. The curriculum includes 33 lessons on everything from how to organize group meetings to the importance of prayer.

Below, we’ve included Lesson 17 from the curriculum. Join HOPE network clients in learning about God’s heart for restoring relationships!


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by Kevin Tordoff, Vice President of Marketing

“Sticks and stones may break my bones, but names will never hurt me.” On the surface, this common playground adage makes sense, but any victim of name-calling or bullying knows how words can cause pain long after they’re spoken. No one chooses to have a negative label attached to them, a moniker that identifies them as an outcast.

I was reminded of the power of names spoken over us on a recent trip to Gihindamuyaga, Rwanda, a community several hours south of the capital city of Kigali. Traversing the country provided unending views of the undulating hills Rwanda is known for, showcasing the prudent use of land for agricultural purposes. I had long heard from colleagues how much of a jewel this country is, and my visit did not disappoint. The hard-fought progress Rwanda has made since the horrific genocide of the mid-1990s is visible in many ways.

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In honor of Universal Children’s Day on November 20, we’re excited to share about the ingenuity and hard work of these children in Rwanda.

In southern Rwanda, two savings groups meet regularly to save between 7 and 73 cents a week. Named Dutezanyimbere, meaning “Let’s hold hands and move forward together,” and Dukomezumurimo, meaning “Let’s keep the calling,” these groups have big dreams. One plans to buy a cow for each member, while the other hopes to buy a house to use for rental income. While these might sound like typical savings groups, they’re unusual in one key demographic: They’re made up entirely of children, with members ranging in age from 12 to 17.

In Rwanda, 61 percent of the population is under the age of 24, and the median age is just 18. HOPE International typically impacts this age group indirectly by empowering parents to provide for their children—but the next generation is also learning the value of saving money. While only 79 of the 8,800 savings groups in Rwanda are made up of children, this small but impressive number is faithfully saving small sums for the future and learning more about God’s Word in community.

Oscar, the 17-year-old who serves as secretary of Dutezanyimbere, immediately saw the benefit of forming a savings group: “I had different needs as a child,” he shares. One of these needs is education. 16-year-old Vestine uses her savings to buy school supplies. Cecilia, another 16-year-old member, says, “I want to study hard and then get a loan from the group to pay for school fees in a good school.” She dreams of using that education to become a doctor.

Children's savings group

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