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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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Last month, over 200 golfers joined HOPE International in York, PA, at the Heritage Hills Golf Resort, for a beautiful and sunny day of golf! We are so grateful to our sponsors who helped us make the day a success, and we hope you’ll join us in 2016 for our 16th annual “Drive out Poverty” golf tournament on Friday, September 23. A special thank you to the following sponsors:

Community Banker sponsors

Domuss, Ltd.

Heritage Hills Golf Resort

Men of Iron

Merrill Lynch, The Swift Group

Residential Mortgage Services

Regional Champion sponsors

Advanced Insurance Solutions

Apple Nissan

Esbenshade’s Greenhouse

Hostetler & Church, LLC

Shepherd Real Estate LLC

Stewart Title Guarantee

Susquehanna Bank

Dignity sponsors

Akron Insurance

Associated Insurance Management

Barkas, Inc.

Conestoga Title Insurance Company

Fidelity National Title Insurance

Kaplin Stewart

McKonly & Asbury, LLP

mRelevance

Pine View Enterprises, Inc.

The Simkiss Companies

VAL-CO

Wells Fargo

Empowerment Promoter sponsors

Bare Wealth Advisors

BB’s Grocery Outlet

B.R. Kreider & Son, Inc.

Finance of America

Horst Realty

Lamar King Tournament within a Tournament

Lancaster Mortgage Company

Lesher Mack Sales & Service Inc

M&T Bank

Martin’s Trailside Express

Morgan Stanley

Realty 1

Ron Thompson

Sharp Shopper

Select Security

Speedwell Construction, Inc.

UGI

Weaver Energy, Inc.

Adventure Capitalist sponsor

Aero Energy

Convene

Master’s Advisors, Inc.

Metro Bank

Mid Penn Bank

Modern Eyes Optical

RP Electric

Startup sponsor

Abel Construction

Black Rock Financial Management

Donegal Insurance Group

EK Bare and Sons

Ivy Funds

L Star Management

Lori Miller

Markley Actuarial Services

Pikeland Construction, Inc.

Prudential

RS Investments

Voya

Waterford Management, LLC

Wilkinson Homes, LLC

Akron Insurance

Associated Insurance Management (AIM)

Barkas, Inc.

Conestoga Title Insurance Company

Fidelity National Title Insurance

Kaplin Stewart

McKonly & Asbury, LLP

mRelevance ($4,400)

Pine View Enterprises, Inc.

The Simkiss Companies

VAL-CO

Wells Fargo

With dirt still in her fingernails from digging in her garden, Victoria proudly displays her produce—green and red peppers, tomatoes, cucumbers, and beans.

Six years ago, Victoria used her first loan from Invest-Credit, HOPE’s partner in Moldova, to buy the frame structure for her greenhouse. She uses it to grow produce, which she sells to retailers in bulk. The greenhouse enables her to continue growing produce throughout the cold winter months, thus increasing her profit. Continue Reading…

Francia

by Annie Rose Ansley, HOPE Trips Liaison

It’s Thursday morning, and Francia walks down the dirt road to the building that serves as a church and elementary school in her community. The one-room building in Los Mella, Dominican Republic, is also the site of the repayment meetings for Francia’s community bank. This group of 15 women meets biweekly to worship God, learn business and life skills, and repay the small loans they receive through Esperanza International, HOPE’s partner in the D.R.

Francia didn’t know Jesus before joining her community bank several years ago. Now, she is responsible for leading her group in prayer, worship, and sharing the Word, and her strong faith clearly shines through. Despite being the most petite woman in her group, Francia stands tall and speaks with strength. She shares a personal testimony about answered prayer in her life—a time when she was robbed and, after fervent prayer, ultimately got back what had been stolen from her. Francia urges the women to trust God, and at one point she holds up her Bible and proclaims, “THIS is what’s real.”

Later on in the meeting, during the loan collection process, one bank member doesn’t have the money to repay her portion of the loan. Following the group solidarity model, the women have cross-guaranteed each other’s loans, meaning they are responsible to cover for the missing money. This is a vital element of community banks, building solidarity and providing clients access to loans even though they don’t have traditional collateral. But it can sometimes bring challenges. Today, for example, no one seems to have the extra money to pay the other woman’s amount.

Five minutes of hesitation pass, and a couple group members get frustrated. 10 minutes pass, and heated discussions break out. 15 minutes pass, and still no one volunteers. Suddenly, Francia stands up.

“Ladies, we need to pray.”

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Prayer at HOPE

by Claire Stewart, Executive Assistant

One year ago

I watched the clock as the seconds ticked by … 9:36 a.m. … 9:42 a.m. … 9:55 a.m. … Emerging from my cramped intern cubicle, I entered the conference room next door. Outside, the bustle of the city matched the nervous energy pulsing through my body.

Two sheets of paper lay on the table, covered in highlighting, arrows, and scribbles: “project management example,” “story of failure,” “phone skills,” “why I’m a good fit.” I spread the pages in front of me and situated myself facing away from the hallway. Straightened my blazer. Cleared my throat. Waited.

Finally, my phone rang. “This is it,” I thought. “BE PROFESSIONAL.”

“Hello, this is Claire.”

“Hi, Claire! This is Anna. How are you today?”

“I’m doing well. How are you?”

“I’m well! Hey—before we dive into my questions, may I pray for us?”

Oh yeah. Prayer. Asking God to enter into the decision process. Had I done that yet this morning? Of course I was approaching this opportunity prayerfully—but had I actually prayed? As Anna—who was about to interview me for a position at HOPE International—lifted up our conversation to the Lord, my tense shoulders relaxed and the anxious knot in my stomach loosened.

Little did I know this simple act was an informal initiation into a posture of prayer that is the core of HOPE’s workplace culture.

Today

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HOPE Malawi staff

by Sylvie Somerville, Former Program Manager, HOPE Malawi

A myth of HOPE expat work is that we spend every day interacting with clients, drinking from the hose of transformation stories you can find all over this blog.

Instead, I spent about one day a month in the field with the savings group members HOPE Malawi serves. I cherished these times of watching and listening to the unique ways people save, build businesses, and discuss the changes in their lives and communities.

My two years in Malawi, however, were filled with ongoing stories from those I did get to watch every day—partner and office staff. God is moving through HOPE and through our church partners to change lives at every level! I cannot think of a single person I’ve been privileged to spend my daily HOPE life with who doesn’t have a beautiful story of spiritual and economic transformation. I’ll cherish these stories and relationships above all else that I experienced in this lovely country.

 

Gertrude

Getrude (left) is the most ambitious Malawian girl I’ve met. In addition to her duties mentoring 27 church volunteers, coaching groups during share-outs of their savings, analyzing reports, and writing member stories, she purchased a refrigerator using her own share-out from our staff savings group. At only 23 years old, her plans are underway to open a small restaurant in town. She wakes up at 4 a.m. most mornings, eager to not waste a single minute seeking God and His purpose for her life. Her prayer life and ability to disciple others have blossomed in her last two years with HOPE.

 

Trevor

Trevor hit one of the lowest points in his life right before joining HOPE as a regional field coordinator through his church. Nearly burnt out with the emotionally taxing duties of pastoral care in a broken and disunified denomination, he was questioning God’s purposes and ready to quit. The peace and unity the savings ministry has brought his denomination have also brought new life and meaning in Trevor’s life. Continue Reading…