Microfund Initiatives

Naysayers said that loaning to the world’s poorest is too risky. But when communities are accountable for their own development, SHGO knows that it works. Loan repayment rates are always 98-100%. And, with small interest generated, SHGO partners reinvest into their communities and distribute more loans. This economic strategy uplifts communities, alleviates poverty, and is a sustainable gift that keeps on giving.

The SHGO Microfund distributes small loans to global partner organizations. Partners then extend funds to local community recipients – oftentimes farmers and women – to support local business ventures for income-generation. From agriculture development to small businesses for artisan crafts, loan recipients use local resources to become entrepreneurs.

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Bo Microfund

To empower community economic development, SHGO and Zion Ministries look to the entrepreneurial spirit within the communities themselves. Through Zion Ministries, microloans are lent to community members in support of small business developments, microenterprises, and social entrepreneurship ventures. With this start-up capital, local loan recipients can create income-generating projects that support the overall community economic development in a grassroots fashion.

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Lending to Farmers

In the rural Ghanaian region of Tema, communities depend on agriculture for local subsistence as well as income-generation. However, farmers in Tema face distinct challenges due to Ghana’s two seasons: the dry season, and the wet season. With these seasonal cycles, community members enjoy an abundant yet abruptly short harvest season, followed by several months of struggle due to lack of food security and ability to sell crops at the marketplace. Food storage and preservation systems do not exist due to limited resources, and families continue to struggle in meeting basic needs.

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