The Gemach Project

An Interest Free Micro-Loan Program

This short video from our Founder, Calvin Hemphill explains what The Gemach Project is and the impact these interest free micro-loans have on peoples lives.

Djabo, Niger

No comments

Fourteen loans were paid back in Pencangou, Niger.  These loans were paid back at a rate of 100%.  Praise God.

With these funds fourteen new loans have been made in Djabo, Niger.  Please pray that these loans will continue to bring those in need out of poverty.   Not just for a day or a year but for their entire lives.  Thank you to all of you who have given us support.

Muslim loans

No comments

Last year we made one hundred loans to poor Muslim women in a village of Niger.  I am happy to report that half of those loans were paid back and the other half will be paid back this month.  The great news is that not only are they getting out of poverty, they have also heard the gospel for the first time and have been given a choice.  Some of them have utilized this choice and are now Christians.

Because of this success we have utilized some of these returned funds by giving loans to Muslim women in another village.  May we pray for a repeat of the success we had in the first village.

True Religion

No comments

The Bible tells us that true religion is helping widows and orphans in need.  So we are pleased to announce that we have issued thirty-five new loans in Kehancha, Kenya.  Not only will these loans impact 35 poor families they are directly impacting 14 widows and 17 orphans.  May we continue to be a tool that God can use to help those in need.  Pray for their success in their businesses and for ability to continue the work we have started.

My Apologies

No comments

It has been a very busy summer with weddings, new roof, working etc and I have been negligent in getting out all of the updates of which they are many.  I will start getting those out starting with this one.

We had 24 loans paid back in Kehancha, Kenya and have made 23 new loans in the same area.  Our loan coordinator in this area has done an excellent job and all loans made here have been paid back at 100% with no delinquent loans.  Praise God.

As of this writing our loan administrator for this area, Sylvanus, has come down with Typhoid and Malaria.   He is in very good hands as his father and one of his sisters are nurses.  He would appreciate your prayers both for his health and for the success of these businesses.

The sixteen recipients of loans In Nacodemo, Kenya have been blessed and each one was able to completely pay back their loan.  With those funds we have been able to make sixteen new loans in Huruma, Kenya.  Many of these recipients are widows or those raising orphans.  Curenntly we have made 246 loans in Kenya with a repayment rate of 99.19%.  A true blessing from God to whom we give thanks.

Burundi is reminding us all of just how volatile Africa is and how things can change very quickly.  This last year we gave  loans in two different locations in Burundi.  Unfortunately since those loans were given there was an attempted coupe and one of the opposition leaders was killed.  Burundians remember the genocide in the 90s where hundreds of thousands were killed.  Fearing a return to those days the situation in Burundi has become extremely tense.  Those that received loans either can not conduct business or have fled the country fearing the worst.  Parts of these loans have been paid back but of course we can not make any new loans with those funds until the situation stabilizes.  As for the existing loans there is very little chance that these loans will be repaid.

This is not the first set back we have experienced now will it probably be the last.  We do not know the intricacies of God’s plans so of course we may have fulfilled what he wanted us to do without having the loans repaid.  We must trust that His Will will be done and we will press on trusting that he is with us.  Please pray for stability to return to Burundi and that the violence would end.


The Gemach Project is pleased to announce that God has blessed us once again enabling us to make 19 new loans in the village of Bomoanga, Niger.  With have been blessed to make 843 loans in Niger with a repayment rate of 99.53%.   Praise be to God.

Thirty-five loans have been paid back in Koulbou, Niger.  These loans were paid back at a rate of 100%.  With these funds we have made thirty-five new loans in Boindouli, Niger.  They are to be commended for all of their hard work and honest.  We thank them for being so faithful.

Sixteen loans in Sirimbana, Niger have also been paid back in full.  These funds have also gone to Bounbounga to fund sixteen additional loans.  I looked at one donation of $1,200 that was given.  These funds were used to fund the first loans we did in Niger.  They are now being used in Bounbounga where it is the donation’s fourth generation of loans.  I counted up all the members of the families that we have helped with that one donation I counted 356 individuals.  This number is actually low as I do not know how many children were in the first group of loans so I did not count any.  If you divide the $1,200 by the 356 people that these funds directly impacted, it shows that for $3.37 we are giving one person a chance to change their entire life.    If you count the children in the first group, the grandparents living with the families and the orphans they are probably taking care of, the cost is actually going to be closer to $3.00 each.  A cost that no other organization can match.

© 2015 The Gemach Project