God is using you to transform lives through our holistic economic development strategy.

%

of members hear the gospel

saved by members

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avg return on savings

meet our members

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Our Strategy

The poor often describe poverty in terms of shame, inferiority and hopelessness rather than material needs. These feelings are magnified in the hardest places, where civil war and instability destroy opportunity and relationships.

This dynamic environment requires adaptability, courage and tenacity. But God calls us to love all people, even where it’s chaotic and difficult. And so we are committed to providing hope in these hard places through our 3-pronged approach.

How It Works

Without access to banking services refugees and those trapped in material poverty don’t have a safe place to save for lump sum expenses, like school fees, or a way to access affordable credit to support income generation. Without access to insurance, paying for emergency expenses can be devastating. Broken systems force many of these families to struggle to survive rather than thrive, and, as a result, they lack the opportunity to overcome poverty.

Seed Effect’s Christ-centered savings-led microfinance program provides a safe place for poor households to save and borrow money in order to generate income, as well as Christ-Centered community and spiritual discipleship.

How It Works

Without access to banking services refugees and those trapped in material poverty don’t have a safe place to save for lump sum expenses, like school fees, or a way to access adorable credit to support income generation. Without access to insurance, paying for emergency expenses can be devastating. Broken systems force many of these families to struggle to survive rather than thrive, and, as a result, they lack the opportunity to overcome poverty.

Seed Effect’s Christ-centered savings-led microfinance program provides a safe place for poor households to save and borrow money in order to generate income, as well as Christ-Centered community and spiritual discipleship.

It all starts with a simple green box

The materials included in a secure metal box, combined with the long-term guidance of our indigenous staff, promote holistic poverty alleviation.

look inside the box

It all starts with a simple green box

The materials included in a secure metal box, combined with the long-term guidance of our indigenous staff, promote holistic poverty alleviation.

look inside the box

1. Save

Self-selected groups of 15-25 individuals meet weekly with a Seed Effect trainer to:

Study God’s Word together
Build Christ-centered community
Pool their savings
Contribute to a micro-insurance fund

2. Loan

As their savings grows, group members provide interest-bearing loans to each other. These loans are used to:

invest in businesses
pay school fees
provide for other household necessities.

The micro-insurance fund serves as support in case of emergencies.

3. Profit Payout

At the end of the cycle their savings and the interest earned is distributed based upon the amount contributed.

On average, Seed Effect member report a 30% return on their savings!

93% of Seed Effect groups continue to save during a second cycle.

of which 96% continue to a third cycle.

of which 99% continue to a fourth cycle.

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Once our groups graduate, they are equipped to continue saving.

Learn more about how we partner with the local church.

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church partnerships

Economic Empowerment

Seed Effect empowers the poor to break the cycle of material poverty through a savings-led or credit-led microfinance strategy tailored for each community we serve. It’s a hand-up, not a handout.

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Discipleship

Seed Effect is more than an initiative to help people overcome material poverty—we are about making disciples. Our programs serve as a platform to build relationships that provide us the opportunity to share the gospel and disciple believers.

read sunday's story

Discipleship

Seed Effect is more than an initiative to help people overcome material poverty—we are about making disciples. Our programs serve as a platform to build relationships that provide us the opportunity to share the gospel and disciple believers.

read sunday's story

Education

Our education seminars provide the opportunity for members to share their knowledge and experience as they work through participatory, dialogue-based lessons on a variety of livelihood and business skills.

read margaret's story

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Seed Effect is a Christ-centered economic development organization, bringing hope and opportunity to South Sudanese refugees and Ugandans.

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