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When I was young, my parents taught me to manage my money with three envelopes: 50 percent went into the “save” envelope, 40 percent into “spend,” and 10 percent for “tithe.” I remember receiving a $1 allowance, which meant 10 cents went to church every week. But instead of breaking my dollar bill, I would often collect loose change for my tithe. Ever the money-conscious child, I felt proud when I could find 10 pennies for the offering plate. Yikes.

While this memory makes me laugh, I am convicted that at times, I still give out of practicality or convenience rather than generosity. When it comes to giving, it’s much easier for me to be dutiful (for instance, calculating and tithing exactly 10 percent of my income) than openhanded and surrendered (knowing that God could ask me for anything, since all of my resources are His to begin with).

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An unlikely blend of skills and passions

“Wow, those two majors really don’t make sense together!”

That’s the response Mikhal Szabo came to expect whenever she told new acquaintances she was double majoring in accounting and French. Her interest in languages, culture, anthropology, and international studies didn’t seem to mesh with the risk-averse accountant stereotype, but she followed her passions anyway.

As she went on to earn her MBA in international economic development after a few years in private accounting, Mikhal learned about microfinance and, ultimately, about HOPE International. She was impressed both by HOPE’s holistic approach to poverty alleviation and their openness to learning. As part of her graduate work, she served as a finance intern with HOPE in the French-speaking Democratic Republic of Congo (DRC).

Suddenly, Mikhal’s seemingly unlikely double majors made sense. A lot of sense. In fact, her rare blend of language, finance, and intercultural skills was exactly what HOPE needed. 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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By Blake Mankin, Houston Regional Representative

Since becoming a fundraiser for HOPE International nearly a year ago, I’ve learned that a core component of our fundraising philosophy is prioritizing relationships over transactions. The essence of this value is investing in people out of genuine love for them, not based on what they can do for us. And you don’t have to be a fundraiser or HOPE donor to have this Christ-like, missional ethic in your life.

Simply defined, a missional relationship is a partnership of equals—individuals teaming up to make an impact in the world as they spur each other on to be more like Christ. With this shared goal, our posture is one of invitation to those around us, offering each person the opportunity to dive deeper into who God is calling them to be.

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For 51 weeks of the year, the front lobby of Willowdale Chapel’s Kennett Square campus is an airy space with cozy chairs and a café. But one Sunday each December, the room transforms into the HOPE Market—a vibrant, bustling marketplace operated by the church’s youngest entrepreneurs.

The wooden tables where people usually chat over coffee instead display greeting cards and candles, wooden clocks and mini-marshmallow shooters, all handcrafted by the children at Willowdale. With each sale, the kids work toward paying back the small loan they received from the church to make their item. Once that’s done, they give their profits to HOPE International. Last year, all their work totaled up to being a significant gift of $5,000.

“Part of our church’s vision is to love the world that Jesus is working to restore, and we wanted our youth to really learn what that means and to be a part of it,” says Jodi Byrne, who serves as a children’s ministry pastor at Willowdale Chapel, a church network in southeastern Pennsylvania that partners with HOPE.

The kids are invited to explore the role they play in that restoration during the three months leading up to the HOPE Market.

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by Christine Baingana, CEO of Urwego Bank

As the CEO of Urwego Bank, the largest microfinance institution in the HOPE network—and in the country of Rwanda—Christine Baingana shares what she’s learning about leadership while leading a team of over 300 staff.

I first learned of HOPE International after reconnecting with Peter Greer, HOPE’s president and CEO, while I was in graduate school. I had met Peter in the early 2000s while I was working for a large commercial bank in my home country of Rwanda and he was serving as the managing director of Urwego Bank. As we reconnected, Peter shared about the work he was doing through HOPE International—and asked if I wanted to join him.

In 2010, I joined the HOPE International team as the savings and credit association (SCA) specialist, later going on to serve as the Africa SCA regional director. When HOPE became a majority stakeholder in Urwego Bank in 2016, I was asked to step into the role of CEO. Having been on the board for several years, I knew that this would be a challenging time to lead the organization. I felt unqualified to lead such a large team through such a major transition.

But as I sought counsel from others, they reminded me to think of those Urwego could serve, men and women who have not had many of the privileges and advantages that I have. As I took my eyes off of myself and focused on them, I chose to say yes to this opportunity. It’s exciting to know we are changing lives for the Kingdom, that men and women who come to Urwego for a small loan, or to find a safe place to save, will have the opportunity to overcome poverty and experience a closer relationship with the Lord and their community members.

Here are five of the most valuable lessons I’ve learned on this leadership journey:

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