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

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of members hear the gospel

saved by members

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avg return on savings

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.

Hope 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.

Our 3-Year Approach

Year 1:

Saving & Loan

Groups receive foundational training on how to operate their savings and loan groups. The training and accompanying Bible study provide a Biblical understanding of poverty and the hope of restoration in Jesus Christ.

Year 2:

Entrepreneurship

Seed Effect trainers empower groups to grow further through entrepreneurship and livelihood training for starting (or improving) a business. Groups also learn a model for studying provided Scriptures on their own.

Year 3:

Independence

Seed Effect trainers ensure groups are empowered to thrive independently for years to come. Trainers facilitate any needed connections and help groups think through how they will work towards the goals they have as a group and as individual families.

How Microfinance 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.

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

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. 

Share Out

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

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

84% of members graduate from Seed Effect’s three-cycle program.

of which 98% continue to meet independently after graduation.

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

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.

Share Out 

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

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

Learn more about how we partner with the local church.

Seed Effect • PO Box 141223, Dallas, TX 75214 • 888.505.3292

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