
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
It all starts with a simple green box

Hope starts with a simple green box
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
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 29% return on their savings!

90% of Seed Effect members graduate from their third year.
of which 99% 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
©2023 Seed Effect. All Rights Reserved.