The Gemach Project

An Interest Free Micro-Loan Program

Meet Sabina

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sabinaSabina is 90 years old.  Unlike 90 year olds in this country who do not have much to do and aren’t expected to do anything, Sabina is raising five children.  She is farming and raising all five of her grandchildren who are orphaned.  Sabina was just given an interest free loan from The Gemach Project so that she can expand her vegetable business and help raise her five grandchildren.  Sabina, who you see standing in front of her house with three of her grandchildren, are the kind of people that we at the Gemach Project yearn to help and who we trust in God to give us the capacity to help.  Please join us so that we can help others like Sabina.

The Gemach Project has made twenty-two new loans in Kehancha, Kenya. Twenty of those receiving loans are widows. In addition to their own children these twenty widows are taking care of an additional 30 orphans. We give thanks that God has given us the opportunity to help those that he wishes us to help. We pray that he continues to bless us so that we can continue to help them.

The Gemach Project has made twelve new loans through the Bethzatha Orphanage in Ahero, Kenya.  Bethzatha tries to get all of their children into a home environment by seeking out those who will take in an orphan to care for them.  These loans have gone to those that have taken in orphans but struggle to feed their own families.  These twelve loans will impact six widows and twenty-five  orphans.  It is always a blessing to practice true religion.  (James 1:27)

First Steps

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Today we began our first steps in hopefully helping over 1,000 widows in Burkina Faso.  We have started with twenty-two loans.  All to widows of pastors.  These women suffered a triple tragedy.    They lost their husbands,  they lost all source of income and they lost their homes.  Since most of them were living on church property they were forced to move when a new pastor was brought in to minister to the church.  There are over 300 such women in Burkina Faso.  When we met with them last November we learned that they already have the country divided up into 26 areas with a widow in charge of each area.  They are also trying to help over 1,000 other widows in their country.  Please pray that these original loans would work as intended and that we would be able to expand to help all of the widows that are in need.  It is a huge undertaking but we know that nothing is too big for God.

The Gemach Project has funded 16  new loans in Bonkora, Niger.  This is a small village in western Niger.  These ladies will eventually be part of a group of 37 that will be growing moringa trees.   These ladies are all Christians who attend a Baptist Church in their village.  Please pray for their success and that these loans will open doors to evangelizing  a country that is 98% Muslim.

The Gemach Project has made 14 new loans in Pencangou, Niger. These loans were made through a cooperative effort of the Assemblies Of God and Baptiste Church in Niger.

This last February, as we crossed Burundi by vehicle, I started noticing as the children came to the roadway to wave at us that they were all wearing the same color of shirts.  All of them had on a brown shirt.  They were in tatters and just barely hanging from their bodies.  I then noticed that all of the men’s shirts were the same color.  It slowly dawned on me that the shirts were all the same color because they were all the same color of the dirt lining the roads.  They were the same color because they could not afford to buy new ones or wash what they had.  That is why I am pleased to announce that we have made ten new loans in Cibitoke, Burundi.   These loans have been made to those that our local administrators feel are in the greatest need.  Please pray for this country that is one of the poorest in the world and pray for these ten families that their businesses would succeed and that they would have a better life because of these loans.

Last night I saw a solicitation on TV for UNICEF.  They say they can feed a hungry child for 50 cents a day.    That equals $15 a month.  For less than $10 each we can feed, provide school fees and medical attention per person for life.  That is a one time donation of less than $10 for life not for twenty days.  Where should you give your donations?

Right now we could use just a little of that help.  Our next project is to fund 9 loans in Cibitoke, Burundi.  Again, Burundi is one of the poorest countries in the world.  An orphanage and school that we work through in Cibitoke has identified 9 families that are in great need.  We will fund these 9 loans as soon as we get the last $300.  Just a little help if God so moves you.

Our next project after this one is one that I am particularly excited about.  We will be funded loans to 14 widows in Burkina Faso.  This is the first step in what could be a great partnership that could eventually change the lives of over one thousand widows in that country.  More to follow on this as we get closer.

I just received reports on six areas of Benin that were given loans last spring.  All areas have paid back the loans at the following rates;

Glodjigbe – 24 loans all paid back at 100%

Igbo Iyoko – 9 loans all paid back at 100%

Seme Podji – 25 loans all paid back at 100%

Cotonou – 22 loans paid back at a rate of 95%

PK10- 19 loans paid back at a rate of 95%

Ze – 45 loans all paid back at 100%

A total of 144 loans paid back at a rate of 98.6%.  This certainly shows that the rational behind other micro lending institutions, charging interest because they won’t take the loans seriously if you don’t is just that, rationalizing.  They charge a minimum of 20% and brag about a 91% return rate.  We charge 0% interest and our return rate is 98.6%.  God blesses when we do things as he tells us to do them.

© 2014 The Gemach Project