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Each year, we celebrate clients who demonstrate HOPE’s values of perseverance, compassion, character, and creativity by announcing Thurman Award winners. Established in honor of HOPE’s first CEO and his wife, the Thurman Award celebrates clients who have not only experienced change in their own lives but have also extended that transformation to others in their community. We’re excited to share the story of this year’s honorable mention from Asia: Danilo Papalid.

When his ice cream business didn’t do well, Danilo saw an opportunity to capitalize on a new Filipino food trend selling siomai, a tasty Chinese dumpling. He says, “Unlike with ice cream, siomai sales are high in cold or hot weather because people eat it on its own, as a snack, or paired with rice for lunch and supper.”

Launching this new business with his personal savings and loans from HOPE’s local partner, CCT, Danilo developed his own dumpling recipe and dipping sauces, using local ingredients he can get year-round. With a delicious, convenient product, Danilo’s business has now expanded to 12 mobile vendors, each selling siomai around their city. Danilo is grateful for CCT’s Christ-centered trainings and meetings, saying, “Because we listen to God’s Word frequently, we have been drawn closer to Him.”

Knowing God’s provision in his life, Danilo has shared with others the same opportunities he received through CCT. He invited ice cream vendors he used to work with to join his business, providing them with much more stable incomes. Even as he’s prospered and become more financially stable, Danilo is also excited about his spiritual impact. He says, “The impact of CCT on our spiritual lives has been great! Because of the weekly Bible studies, we have been able to invite our workers to go to church with us, and their lives have been transformed.”

Each year, we celebrate clients who demonstrate HOPE’s values of perseverance, compassion, character, and creativity by announcing Thurman Award winners. Established in honor of HOPE’s first CEO and his wife, the Thurman Award celebrates clients who have not only experienced change in their own lives but have also extended that transformation to others in their community. We’re excited to share the story of this year’s honorable mention from Latin America: Eduviges Cruz.

Before Eduviges Cruz opened her business, there were no convenience stores in her neighborhood. Seeing the opportunity to develop a business that would meet her community’s everyday needs, Eduviges used loans from HOPE’s partner in the Dominican Republic, Esperanza International, to start her convenience store, which has grown to include a wide variety of groceries and household items.

With the store’s profits, she and her husband bought a piece of land and built their own home. She relishes that she now has the means to buy shoes and school supplies for her children. “Everything changes … when you start to work,” Eduviges says. This is a statement she firmly believes, and she’s encouraging others to join Esperanza and start their own businesses.

And it’s not just the access to capital and training that Eduviges appreciates. Through Esperanza’s group repayment meetings, she also heard the Gospel, accepting Christ’s love for the first time. Later, through her witness, her husband also came to know the Lord, beginning a new season of healing and reconciliation in their marriage. Eduviges testifies that God “has turned my wailing into dancing. He’s clothed me with joy. I know what I’m talking about, because I went through some pretty difficult situations. And that’s why I say that God’s turned my wailing into dancing.”

Jacob and his wife

Each year, we celebrate clients who demonstrate HOPE’s values of perseverance, compassion, character, and creativity by announcing Thurman Award winners. Established in honor of HOPE’s first CEO and his wife, the Thurman Award celebrates clients who have not only experienced change in their own lives but have also extended that transformation to others in their community. We’re excited to share the story of this year’s honorable mention from Eastern Europe: Jacob Timos.

Over 10 years ago, Jacob Timos used his first loan from HOPE’s partner in Moldova, Invest-Credit, to open a rabbit-breeding business. He started with just six rabbits, and with additional support from Invest-Credit, he has significantly grown the business, selling rabbits to customers as far away as Germany.

Recently, Jacob bought more land and started growing raspberries in partnership with another Invest-Credit client. He says, “Without loans from Invest-Credit I wouldn’t have been able to start my business and grow to the level where I am now.” Jacob has referred over 200 clients to Invest-Credit! Operating a sustainable business in an area where many struggle to make ends meet, Jacob is an inspiration to his neighbors, who often ask him for insights on good business development. To help others provide for their families, Jacob has given away rabbits so that they can start their own rabbit-breeding businesses.

As a pastor, Jacob is passionate about seeing Christians in his community reflect the Gospel in their work, saying, “So many believers run businesses here, create jobs for others, and provide services. … Pray that people will turn to God here in Straseni. … That they would come to faith and know Jesus. That is the most important thing. ”

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…

Fanny is taking a leap forward

Suddenly raising seven children

When Fanny’s sister passed away, leaving four children behind, the choice was clear—she had to adopt them. Already a single mother, Fanny suddenly found herself the sole provider for seven school-age children.

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As one of Malawi’s 2 million small-scale farmers, Fanny set her mind to working hard, knowing that her efforts meant nourishment for her children. She managed to meet her family’s basic needs but struggled to find money for school fees or even soap. “Some months, I wouldn’t have money at all,” she says.

When Fanny heard about savings groups forming at her church, she recalls, “I was the first to sign up.” Saving small amounts of money with her group, Fanny no longer needed to sell her own family’s food for extra cash. It was the boost she needed to leap forward.

Refusing to give up

When severe flooding in early 2015 rendered 230,000 Malawians homeless, Fanny’s crops and home were washed away. Despite the devastating loss, Fanny quickly moved in with her sister next door and used her savings to launch a side business selling used clothing. Even though she lost everything, she determinedly began to rebuild her home.

Less than a year after the floods, Fanny did something few in her community have been able to afford: she paid to install a water tap next to her home to help with irrigation and household chores.

“I can say this is my testimony,” Fanny says. “Before the savings group, I had no business of my own, and my children were suffering from hunger. But now, I am rebuilding my own house, and my goal is to see my children educated.”

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A place to belong

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Joining the savings group has not only provided financial stability for Fanny; it has brought her closer to God and to friends in her community.  An active member of her church, Fanny leads worship and visits those who are ill or grieving. Eager to give back, Fanny’s savings enable her to bring offerings to church—something she wasn’t able to do before.

Fanny’s savings group has given her a sense of belonging. “My challenges have grown less because I am supported,” she says. “My fellow group members encourage me and pray for me. … Since I joined the group, I’m a more joyful person.”

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Bustling with customers, Mamola’s house is a center of activity in her Dominican community. Neighbors gather to purchase household staples from her colmado, a small convenience store she operates from her front room. Every other week, members of Mamola’s community bank meet in her home to fellowship, study Scripture, and repay their loans.

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Mamola has been involved in business since she was young, learning the importance of hard work from her father. Widowed with five children and 12 grandchildren of her own, Mamola hopes to pass on this legacy of industry and ingenuity.

In 2008, Mamola took out a $177 loan from Esperanza International, HOPE’s local partner in the Dominican Republic, to expand her business buying and reselling dishes. Realizing her community would benefit more from groceries, Mamola used subsequent loans to open and expand her colmado. “I started with everything,” she remembers. “Just a tiny bit, but a little of everything.” As her store has grown, she stocks her shelves with larger quantities of rice, coffee, fruit, sugar, and other staples.

Giving back

Mamola appreciates Esperanza’s biblical teachings, especially the opportunity to pray together. She says she has learned more about her faith through her community bank’s time in the Word:

The Lord is my God; He is my everything, because He is the one that helps me.

Several years ago, Mamola’s husband got sick and eventually passed away. In addition to grieving his loss, Mamola faced overwhelming medical fees that left her in debt. She shares that she overcame this challenge with the help of Esperanza, the extra income from her colmado, and her five children.

A well-respected matriarch in her community, Mamola has connected several women with Esperanza. With her income, Mamola helps care for her grandchildren and has made improvements to her home, replacing the walls with sturdier concrete. Hardworking, humble, and thankful, Mamola dreams of expanding her business and passing it on to the next generation—along with her legacy of faith and hard work.