new to you friday–life on loan

You may have read my dad’s recent guest posts from his trip to Kenya with CMF. While there he was able to experience many of CMF’s projects including the microenterprise program I describe here.

Then, just two days ago, I received an update on Alice, the lady my brother and sister-in-law and I made a small loan to two years ago. This was our first update and it made my entire month.


“A Great Story of Success,” it began, then went on to share that Alice has faithfully paid back the loan in weekly installments “without pushing” and has started her own tailoring business. She has taken additional loans to expand the business and now employs two other women! Here’s a picture of her hard at work.

“You can change one person’s world, and it’s a blast,” I wrote about giving the initial gift. Seeing results like this is even more fun.

Find out more about CMF’s microenterprise program here.

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It’s easy to feel overwhelmed by the poverty and disease in Africa, and to wonder if normal two-name people (that is, the non-Bono and non-Oprah) can make any difference. A variety of complex factors created this crisis, and no one solution can fix everything. But microloans are a good way to start.

Microloans aren’t new, but they’ve gained new attention in recent years. Like so many good ideas, this one is simple: reputable organizations identify potential loan recipients in the developing world and share info about these folks with richer Americans, Europeans, etc. who then loan a few dozen or few hundred dollars. The recipient uses this money to start a small business (like a food market, general store, or transportation business) and eventually repays the loan in full. The rich American can then loan the money to another 2/3 world entrepreneur, theoretically repeating the cycle indefinitely and using the same money to give freedom and dignity to many different people.

Microloans also help prevent the spread of HIV; many recipients are women and the income generated from their small businesses dramatically reduces the likelihood they’ll barter their bodies for food. (One recent study in Botswana and Swaziland reports women who lack sufficient food are 80% more likely to engage in “survival sex.”)

It takes so little money to lower that percentage–for the cost of a nice restaurant meal you can help someone eat well for a long time. And although most of us could easily afford to give that amount outright, the recipients almost always repay the loans in full.

Alice Mbithe is in that category. Despite only receiving a primary school education, she’s successfully run her own small grocery business for years to supplement her husband’s income. As I type, this sweet lady is using the money my brother, sister-in-law and I loaned her to set up a fruit and vegetable stand that will support her family of five, pay hospital bills, and provide medication for her youngest daughter.

We connected with Alice through Christian Missionary Fellowship. Their microenterprise program provides a 27-hour training course for prospective microloan recipients (covering everything from bookkeeping and saving to integrity and faithfulness) and coordinates weekly meetings for accountability and support. Loans range from $8 to $400 and the program already has 190 clients.


I make part of my living writing advertising copy, so I try to avoid the trite. But I have to say it: while no one, even Bono, can change the world alone, you can change one person’s world. And it’s a blast.

into africa: day two

Oh, Jesus, what a wonder you are!
Oh, Jesus, what a wonder you are!
I love, love, love you . . .
Oh, Jesus, what a wonder you are!


About 30 young grade schoolers sang the words with gusto and hand motions as we stood in their crowded, hot classroom and took it in.

I had never expected that such a place would offer me such a moment of profound worship.

I had been forewarned that visiting Nairobi slums would be difficult and emotional. But no one had predicted I’d be so struck with what our Lord is doing in one of the world’s unlikeliest of places.

Oh, Jesus, what a wonder you are to inspire dozens of educated, competent leaders to work in a place like this.

Oh, Jesus, what a wonder you are to fill hearts with enough love to share with whole communities trapped in squalor and oppression.

Oh, Jesus, what a wonder you are to inspire creative entrepreneurship that not only helps these people, but empowers them to help themselves.

Oh, Jesus, what a wonder you are that you can redeem life on earth as well as save souls for eternity—and use the church to do both.

The church has made possible Hope Partnership, Christian Missionary Fellowship’s enterprise in the Nairobi slums of the Mathare Valley. The work serves Jesus with a three-pronged approach, each of which needs at least a 1,200-word essay to fully explain. But maybe my little summary will help you worship too.

Schools educate orphans and other children of families in desperate situations.

Community Health Evangelism (CHE) trains volunteers to offer a future to those diagnosed with HIV/AIDS and recruit neighbors to address all kinds of basic health and sanitation issues.

Business Development Services provides small loans and skills training to those who will improve their situation by creating a business that can give them an income. (Read more about CMF’s microloan program here.)

As a result, children are being educated; in 10 years the school program has grown from 50 preschoolers in one rented two-bedroom home to an enrollment of 3,750 in 10 schools.

Meanwhile, 350 CHE volunteers have improved health and offered hope in ways too numerous to mention. Six support groups for those testing HIV-positive meet regularly.

And 457 clients are operating their own businesses in the slum, financed by microenterprise loans that now total about $100,000.

This holistic approach is demonstrating the love of Christ, not just talking about it. But preaching and teaching the gospel is also central to the strategy.

School children learn Bible stories and memorize Bible verses.

Adults seek a relationship with God when they are helped by relationships with his servants.

“Sharing Christ is the bottom line,” said Paul, a Business Development Services director.

And today there are five new churches in this slum, where there were none before the work began. And four of them started in the last two years alone!

Oh, Jesus, what a wonder you are!

(This is the second post from my dad during a “vision trip” to Nairobi with Christian Missionary Fellowship. Scroll down a bit to read part one.)

life on loan

It’s easy to feel overwhelmed by the poverty and disease in Africa, and to wonder if normal two-name people (that is, the non-Bono and non-Oprah) can make any difference. A variety of complex factors created this crisis, and no one solution can fix everything. But microloans are a good way to start.

Microloans aren’t new, but they’ve gained new attention in recent years. Like so many good ideas, this one is simple: reputable organizations identify potential loan recipients in the developing world and share info about these folks with richer Americans, Europeans, etc. who then loan a few dozen or few hundred dollars. The recipient uses this money to start a small business (like a food market, general store, or transportation business) and eventually repays the loan in full. The rich American can then loan the money to another 2/3 world entrepreneur, theoretically repeating the cycle indefinitely and using the same money to give freedom and dignity to many different people.

Microloans also help prevent the spread of HIV; many recipients are women and the income generated from their small businesses dramatically reduces the likelihood they’ll barter their bodies for food. (One recent study in Botswana and Swaziland reports women who lack sufficient food are 80% more likely to engage in “survival sex.”)

It takes so little money to lower that percentage–for the cost of a nice restaurant meal you can help someone eat well for a long time. And although most of us could easily afford to give that amount outright, the recipients almost always repay the loans in full.

Alice Mbithe is in that category. Despite only receiving a primary school education, she’s successfully run her own small grocery business for years to supplement her husband’s income. As I type, this sweet lady is using the money my brother, sister-in-law and I loaned her to set up a fruit and vegetable stand that will support her family of five, pay hospital bills, and provide medication for her youngest daughter.

We connected with Alice through Christian Missionary Fellowship. Their microenterprise program provides a 27-hour training course for prospective microloan recipients (covering everything from bookkeeping and saving to integrity and faithfulness) and coordinates weekly meetings for accountability and support. Loans range from $8 to $400 and the program already has 190 clients.

I make part of my living writing advertising copy, so I try to avoid the trite. But I have to say it: while no one, even Bono, can change the world alone, you can change one person’s world. And it’s a blast.