MICRO FINANCE IN AFRICA
In Latin America (the biggest market for micro loans by value, though not by number of borrowers) micro loans are funded largely by bank debt. Micro lenders borrow at an average cost of just under 15% and usually charge interest of 20-25%. By law, the large ones may not lend at more than 10% above their cost of funds. There is no shortage of loan sharks in poorer countries. The chart below does not reveal the micro finance work happening in Africa.
One hint that micro lending can get out of its rut comes from the fields of Africa. Living Water MicroFinance Inc. offers charity-based micro lending at a very low interest rate of 8.5%. Many teams of five women farmers and their families are supported together to create orchards of fruit and nut trees. Today’s Tall Trees Nurseries provide the necessary seedlings. We add the support of mechanization in the form of tractors.
One Acre Fund, a charity, also offers small farmers a bundle of seeds, fertilizer, crop insurance and training, all on credit. Its loans are extremely flexible. Although the charity expects some repayment before it hands out seeds and fertilizer, farmers can pay off the balance at any point in the year. With no weekly or monthly payments looming, they might play the market, holding back crops from sale until prices rise. One Acre Fund boasts a low default rate, and calculates that it boosted its clients’ farm incomes by 55% in 2015. But the parallel is not perfect. One Acre Fund offers more than just loans—and it depends on donations.
We should all celebrate the massive expansion of micro finance. It is a powerful tool. However, it is only one tool in the process of business improvement.
Lending alone does not make a business or an enterprise – it does nothing if the skills don’t exist to put that capital to use. In the developed or developing world – the micro-entrepreneur also needs to learn the better ways to access markets or access better markets. They need access to appropriate technology so that they can grow better crops, produce better quality goods, and reduce energy consumption and the like. They need access to information about competitors, prices, government regulations, whether it is going to rain or not, are there animal or plant diseases to worry about, and the like. They need access to know-how about how to keep the books, how to improve quality, core principles of marketing, and the endless need for building of human capital.
This is why Living Water MicroFinance Inc. commits to organizing weekly meetings for all its teams for educational, spiritual and motivational reasons.
Mobile wallets such as M-PESA and Tigo Cash have already transformed micro finance. In the African countries where they are widespread, micro lenders no longer need to distribute and collect piles of bank notes—always a cumbersome task and often a dangerous one. VisionFund, which is part of World Vision International, a Christian charity, channels 95% of its Kenyan loan payments and 98% of its Tanzanian ones through mobile wallets. It takes just a few taps on a phone to obtain a short-term loan, which will arrive in a mobile-money account almost immediately.
As an interesting footnote, the big banks have been unable to crack the micro/small business lending markets to any great level of success. The reason is that the portfolios are much too small in order to make a reasonable profit. Even a high interest rate on a small loan would not interest them.
- A Micro Hydro Electric System: no dams: HugENERGY.us
- An Irrigation System: NORTHydro.com
- A Rabbit and Fish Farm: AfriCAPITALISM.us
- The Charitable Arm: SunnyUp.net
- Living Water Micro Finance: LivingWaterMicroFinance.org
- Thunder of Justice: ThunderofJustice.com
- Deliverance Is: Deliveranceis.com
- God Love Letters: GodLoveLetters.com
BILLIONS OF CHRISTIANS CAN’ T ALL BE WRONG!
Christianity is not a philosophy, but it is a relationship with God, your Creator, in Christ TODAY. It is not knowledge of abstract principles.
HOW DO WE KNOW THIS?
Some Christian disciples use deliverance to deliver away evil spirits influencing people. These evil spirits cause depression, addictions and illness through all forms of stress.
2. COMPLETE SENSE OF PEACE?
After you have been delivered from evil influences, you will have a definite physical experience of a complete sense of peace.
Once you experience a physical sense of peace because of deliverance, you know that you will be healed. This helps you build up your faith, which is very crucial: No faith! No healing!
Some Christian disciples have the gift of healing. Only the Name of Jesus Christ makes healing and deliverance possible.
THE WHOLE FAMILY BENEFITS
In the end, one Christian conversion will benefit the whole family. The gifts of the Holy Spirit of healing and deliverance will help the whole family. A prayer of deliverance of evil spirits will leave any member of the family with a complete sense of peace immediately. A prayer of healing from a Christian disciple produces 80% healing. The remaining healing comes from continued prayer of praise and thanksgiving until all the healing is complete. This healing comes from the Holy Spirit through the power in the Name of Jesus Christ. No other god or deity or doctor uses this power. This proves the TRUTH OF CHRISTIANITY.
God divinely inspired the BIBLE . How do we know? Each of eight accurate predictions shows a high probability mathematically. The probability of one individual fulfilling eight prophecies have odds of 1 in 10 17 (1 in 100,000,000,000,000,000). Jesus Christ fulfilled all prophecies, therefore the Bible MUST BE TRUE.
The Old Testament indicates another 40 astonishing predictions.
Christianity experiences stunning growth—from approximately 3.8 million adherents in China in 1956 to an estimated 87 to 100 million Christians today.
HOW IS JESUS STILL ALIVE TODAY?
Jesus is alive today! He heals today (through His followers) and in many cases it is realized immediately. How else can you explain the explosion of Christianity, the world’s largest religion, on earth: 2.2 billion adherents, nearly a third (31 percent) of all 6.9 billion people on Earth.
Christians know and feel His Presence; they communicate with Him personally; Christian prayers are always answered.
This author has been given the Gift of Healing only because he is a Christian Lay Missionary, who travels two to three places every year. On his last trip to Columbia he successfully transferred his Gift to his Spanish translators, who were able to heal as he did. He has healed Muslims to their great surprise.
He also delivers away evil spirits along with their healing. All those who are delivered from evil spirits feel a complete physical sense of peace.
DREAMS AND VISIONS
God can give a message to those non-Christians to change their heart. God knows faith will be developed eventually. God will come to you in the form of dreams or visions. So be sensitive to any dreams or visions, when you ask God for it earnestly.
HAVE YOU EVER WONDERED HOW TO BECOME A CHRISTIAN?
- Christians don’t shout, “I live a clean life!” Christians whisper “I feel lost, but now God found me and God forgives me.”
- Christians don’t speak with pride. They confess that they stumble and need Christ to be their guide.
- Christians don’t say,” I’m strong.” They say they try to be strong because they need strength.
- Christians don’t brag about success, but they admit that they fail and they need God to clean the mess.
- Christians don’t claim to be perfect, but God still believes in them.
- Christians still feel the sting of pain. They have their share of headaches but they still call upon His Name.
- Christians are not holier than others. They are simple sinners who receive God’s unbelievable Grace.
Christianity on a Table Napkin:
“If you declare with your mouth, ‘Jesus is Lord,’ and believe in your heart that God raised him from the dead, you will be saved.” Romans 10:9
God the Father will wipe every tear from our eyes, and there shall be no more death or mourning, crying out or pain. We will be like Him, for we will see Him as He is The Holy Spirit will have made all things new. Eternal joy will begin. “For the Mighty One has done great things for me— holy is His name.” Luke 1: 49
Are we not like Barabbas who was justly condemned for murder, but saved by the innocent Jesus on the cross? Are we not like the adulterous woman, deserving of death by stoning, to whom Jesus says, “I do not condemn you”? And Jesus saved them both. In fact, Jesus came to earth specifically to look for and save those who were lost, like you.
“Come now, let us settle the matter,” says the LORD, “Though your sins are like scarlet, they shall be as white as snow; though they are red as crimson, they shall be like wool”. Isaiah 1:18
You may need some counseling with a pastor, priest or competent Christian worker, who will introduce you to a Short Course on Who is Jesus? Start by reading a short biography of Jesus in the Gospel of Luke. Read several verses before going to bed and read the same verse upon arising. He will defend you from attacks of the enemy when you ask Him.
Healing and Deliverance (Ctrl + Click to follow Link)
- Abuse and Trauma
- A Vision of Hell
- Breaking Free of Controlling Spirits
- Can a Smart Person believe in God
- Cigarette and Drug Bust
- Deliverance from Depression
- Deliverance from Drugs and Addiction
- Deliverance from Prison
- Deliverance PowerPoint
- Divine Healing
- Do you Know an Alcoholic?
- Don’t be Afraid of Fear
- Gluttony is Not Merely Overeating
- God’s Protection and Blessing
- Healing and Deliverance General Information
- Healing and Deliverance Instructions
- Healing Hands: Father Melvin Doucette
- Healing of Relationships
- How to Keep Your Healing Once you have Received it
- Insomnia and Deliverance
- Jesus Cures a Blind Man at Bethsaida
- Joy and Sorrow
- Let’s Start
- Lust and its Brother Pornography
- Physical Healing
- Power of Healing
- Prisoner of Unforgiveness
- The Healing Power of Jesus
- The High Stakes of Gambling Addiction
- Three Ways of Self-Deliverance
- Ungodly Soul Ties
- Ungodly Superstitious Beliefs
- Your Part
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