
Photo by Esther Havens
God is using you to transform lives through our holistic economic development strategy.
%
of members hear the gospel
saved by members
%
avg return on savings
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
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
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
It all starts with a simple green box

1. Save
Self-selected groups of 15-20 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, they provide interest-bearing loans to each other.
These loans are invested in businesses, used to pay school fees, or to provide 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 34% return on their savings!
95% of Seed Effect groups continue to save during a second 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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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.

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.
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.


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