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.

From Calvin…

Hedges and Gemach collaborate to bring hope to helpless and poor communities ravaged by poverty, persecution and insurgencies to place their trust in Jesus in the midst of despair and to step up their living conditions through practices as agents of creation and improve their economy through non interest loans. The partnership achieves the following,

1. Bring the message of salvation to communities. In the midst of despair and hopelessness only Jesus can give peace in the face of any crisis. We are therefore only responding to the great commission of our lord.

2. Create evangelistic bridges. Our work is not restricted to Christians but touches people of other faiths. We hope that through our acts of kindness and social response the glory of God will be seen in the face of Jesus.

3. Help people who are in crisis as our act of Christian service of not only praying for them but helping to meet their needs. We are called to the Great Commission and cultural commission. While we work to restore the relationship between men and God we also work to help people recover their true identity and vocation as creative force in God’s created order.

4. Create dialogue and windows for sharing our faith to a hostile and dying world. We bring the grace that touches all lives bringing peace, help and salvation to everyone.

The following pictures is a result of our work in the last 5months in collaboration with the Gemach that gives non interest loans. Small businesses are started and growing, families and children are being helped and the gospel message is coming alive.

The people in these pictures are both Christians and Muslims forgetting their differences and working for the common good.

Join us at Hedges, Nigeria!

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We have made our first venture outside of Africa with 15 new loans in Lajeune and Lapila, Haiti.  This will be a test project to see if Gemach loans will have the desired effect and results as those in Africa.  Please pray that we will receive firm guidance from God as to whether we continue with loans in Haiti or not.  We trust that his answer will be in the results.

Gemach 2015

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As we end another year I thought I would give everyone a recap of the last year.

We made 859 new loans throughout Africa.  These were made with $28,190 in new funds and $118,389 from paid back loans.

Of the loans that were due to be paid back we saw a return rate of 94.40%.  The majority of the defaults being in Burundi.  This country saw a dramatic upturn in violence this last year with many of the Gemach recipients fleeing the country.  Those that remain are unable to conduct business due to the unrest.

We have seen thousands escape poverty, establishment of new churches, tithing grown in existing churches, children receiving an education for the first time along with needed medical care, the Gospel being heard where it has never been heard before, decrease in malnutrition in areas, and people accepting Christ as their Savior.  Praise God.

Can’t wait to see what 2016 brings.

Niger has fully embraced The Gemach Project and has reached so many people. God has taken our small loans and multiplied them through amazing people. I’m so encouraged hearing the stories of how He is working in Niger!

Below is the latest update, (some minor editing).
News and testimony about Gemach project in Niger:

First we would like to Thanks God for all that God has done and continues to do by Gemach project in Niger. We can see with our eyes and touch with our hands what God has done by Gemach project through loans to poor women in Niger.

We paid $ 57,325 loan to Niger so far. Each loan is in the amount of $ 100.
We touched 1010 poor women. If we look behind every woman there is about an average 7 people so we can say we have reached about 7070 people, all out of extreme poverty and now having enough food, clothing, medicine and go to the school.
There are among these people 63 widows and 144 orphans affected by Gemach project.

The loans are granted to women following the activity of their choice. Some buy animals to sell a year later, others buy and sell condiments, others have been trained and equipped in dyeing and other have made fields Meringua. no loan repayment so far suffered except some cases of extension of maturity dates content of the nature of the activity.

– about animals, women can earn $ 100 to $ 200. Today 80% of women who buy and sell the animals are autonomous. They care for their families with food, health, clothing and school.
– For dyeing, we are at the stage of evaluation. The loans will be repaid in February 2016.
– For the Meringua, experience works very well. In Niger everyone eats Meringua. With meringua families find food and money to meet the needs for food, health, school. Meringua trees can live for 40 years. Autonomy even for small children of his wives. With Meringua the profit is very large. Just wait for two months while waiting for the trees begin to produce leaves.

– in 2016, we want to cover 20 villages with fields of Meringua.

The results of all these loans are:
– The framework and standards of living have improved
– Very poor families become self-sufficient on three vital points: food, health, school.
– Closed doors that open to the gospel
– The gospel is preached in villages.  We have explained the gospel to more than 200,000 people through Gemach project.
– we had won to Christ 183 people,  97 already baptized including 46 Muslims (women and men) in villages where Gemach project worked. And God continues to work in these villages.
– The church attendance is growing
– Tithing significantly believed.
– The servants of God in the villages are well supported financially
– The temples rebuilt
– More money circulating in the villages.

Gemach project will continue to work for God in Niger along with the proclamation of the gospel to the poor. all the glory to God.
Blogs Thanks.

We just gave out our 1,000th loan in Niger.  One thousand and ten to be exact.  So I thought that this would be a good time to let you know how things are going there and a few statistics.

Repayment rate is 99.60%.

We have sent $57,325 to Niger so far.

We have given $96,584 worth of loans.  (Includes loans being paid back and the funds given to someone else.)  This amount will continue to climb as more loans are paid back.

The average total outlay of  funds to bring a family out of poverty in Niger is $56.76  Since the average family has five children this means that for every $8.11 spent we are bringing one person out of poverty.  Our people on the ground tell us that one loans actually benefits the recipient and 9 other people as most are taking care of the elderly or orphans.  This means that for every $5.76 spent we are changing the life of one person.  We are consistently told that three basic things change.  They do not have to worry about where their next meal is coming from, they can get medical attention as needed and they can pay the school fees so that their children can get an education.

It is my belief that there is no other organization that can bring someone out of poverty at the cost that we are doing it for.

Now let’s look at the implications not so easily judged:

A sense of worth and accomplishment in those receiving and paying back the loans.

Church attendance is growing.

Tithing is growing.

The entire community benefits as there is more money to be spent.

Opening doors in closed communities for the Gospel to be told.

Residents of these villages accepting Christ as their Savior.

We thank all that have supported us.  We thank those in Niger that oversee these loans.  We thank the people that are so conscientious that have paid back these loans.  Most of all we thank our Living God for giving us the vision and supplying the means to get this done.


Djabo, Niger

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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

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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

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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

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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.

© 2016 The Gemach Project