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.

My Apologies

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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.

Twenty-four loans at $67 each have been paid back in Galbounda, Niger.  With those funds we have been able to fund seventeen $100 loans in Bounbouna, Niger.  We continue to have a repayment rate of over 99% in a country where 61% of the population survives on less than $1 per day.

The Gemach Project has been blessed to be able to fund 67 new loans in the villages of Bodol and Fayra in Niger.  Women from these two villages have joined together to grow Meringa trees and to sell the byproducts.  This project also includes two wells which are included in the loans to be repaid.  Thus adding an additional benefit to the two villages.   Please pray for the success of this project.


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The Gemach Project has launched a pilot program in Gambia with the issuance of 13 loans.  Please pray that we would have success in Gambia and that those receiving the loans would be blessed through these efforts.  Gambia is the eleventh country in which we have given loans.

© 2015 The Gemach Project