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Hope International (Christian microfinance)
HOPE International is a Christian faith-based nonprofit organization based in Lancaster, PA focused on alleviating physical and spiritual poverty through Christ-centered microenterprise development. With a mission “to invest in the dreams of families in the world’s underserved communities as they proclaim and live the Gospel,” HOPE International now operates in 17 underserved countries and has assisted hundreds of thousands of people through over 2.7 million loans totaling more than $800 million since it began operations in 1997. Its clients also currently hold $30 million in savings.
== Need for financial services for families living in poverty ==
The World Bank reports that, “nearly 3 billion people in developing countries have little or no access to formal financial services.”〔(【引用サイトリンク】url=http://www.ifc.org/ifcext/globalfm.nsf/Content/Microfinance )〕 According to CGAP, “people living in poverty, like everyone else, need a diverse range of financial services to run their businesses, build assets, smooth consumption and manage risks.” Traditionally, these families fill financial gaps by borrowing from friends and family or by borrowing from loan sharks who charge high interest rates. Oftentimes these options do not provide lasting solutions. The cycle of poverty continues as individuals struggle to reach a point of financial self-sufficiency.
Microfinance, defined as “providing financial services such as small loans to poor people so they can increase their income and decrease their vulnerability to unforeseen circumstances(a),” provides an opportunity for lasting change in even the poorest of communities. Many of HOPE’s clients are women seeking to establish sustainable means of providing food, clothing, shelter, and an education for their families. Income from businesses built in part through small loans and savings not only helps the individual client, but also benefits his or her family and subsequently strengthens the local economy.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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