Our services

Small loans

An associate initiate a microloan with approximately US$ 200 which is strictly for business purpose, which is reimbursed in 6 months period, in twelve 14 days quotas that includes principal plus interest, a complementary loan insurance in case of disability of death and a 5% Mandatory Savings that can only be collected when associate leaves the program and may be used as work capital, home improvement or to solve a need by proof of real emergency.

Associates are also encouraged and commonly practice voluntary savings.

As an associate proves their faithfulness in reimbursements, the loan amount will increase as they renew the loan and after being part of the system for a while, they may qualify to get an individual loan with a much higher amount to increase the business.

In order to establish a new Loan & Business Advisory Center requested by a church or a community leader related with our entity, the following requirements must be met:

• A minimum 15 associates interested
• Loan officer availability for requested sector (maximum of 400 associates per loan officer) or disposition to hire new loan officer to increase portfolio
• Funds availability to increase portfolio
• 4 to 5 meetings with interested group to explain the purpose and process, check their business plan and meet with the cores of 5 willing to do joint guarantee

Loan & Business Advisory Centers are grouped in:

• SMALL CENTER: 3 cores of 5 with joint guarantee = 15 associates
• MEDIUM CENTER: 4 cores of 5 with joint guarantee = 20 associates
• AVERAGE CENTER: 5 cores of 5 with joint guarantee = 25 associates
• LARGE CENTER: 6 cores of 5 with joint guarantee = 30 associates

As result of 15 years serving in Haiti, we have established:

• 1,033 Loan & Business Advisory Centers spread out across the country
• 14,032 active associates
• With a record of 92,494 loans disbursed averaging US $ 108.59 per “Business Set”
• And a total disbursed amount of US $ 10,267,659 during our ministry history
• With a rate of return of 98.65%
• And a current active portfolio of US $ 767,686
• With 20 local employees in Haiti beside the DR staff

Vocational trainning

We offer to groups of associates interested in similar trade courses to participate free of cost and one of the mostly chosen course has been culinary art.

Adult Literacy courses - Basic reading, writing and math.

We are also working on a project helping train Haitian teachers in a local University in Cap Haitian to soon initiate Technician degrees program for the children of our associates to participate with a very low tuition into trades such as:

• Automotive mechanic and electricity
• Graphic arts
• Sewing arts
• Vehicles body shop and painting
• Air conditioner & refrigeration maintenance
• Furniture tapestry

Preventive health care

Health Prevention Instructions: Proper hygiene practices and trash disposal, about balanced diet & baby feeding, family planning, savings and more.

Yearly Pap Smear Exams: Due to the fact that about 85% of our loan recipients are women, since statistics of studies continuously shows that women are proven to be more reliable dealing with microfinance and income generation because they tend to think of the families first.