Fighting poverty, creating jobs and

transforming lives by empowering the poor in developing

countries using innovative microcredit and savings programs, business training and spiritual development

MISSION

OUR FOUNDING

• Commended at Lambeth Conference, 1998 (Resolution V.2f)

• Vision of Bishop Chiwanga of Mpwapwa, Tanzania

• First donation made by George Carey

OUR ROLE

• Work with local, church-based sponsors to design micro-economic development programs

• Provide training• for microcredit program

development and management• for saving, borrowing and

building a business

• Facilitate the formation of savings group networks

• Provide funding for operations and loan capital

• By taking a small loan of about $100, Joy was able to start a brick-making business in Uganda.

• She returned her investment four times within a year!

A CREATIVE SOLUTION

TWO BASIC GROUP-BASED MODELS

• Credit-led• Traditional microfinance• External capital• Major cities and towns• Uganda, Peru, Indonesia,

Philippines, India

• Savings-led• Many poor want a place

to save money• Internal capital• Reaches rural areas/post-

conflict• Sudan, Myanmar,

Burundi, India

CYCLE OF SUCCESS

Program Development

Group Formation

Lending & Mentoring

Spiritual Development

Saving & Planning

Repayment& Recycling

PROGRAM CHARACTERISTICS

• Based on groups as fundamental building blocks• Mutual support and

development• Fellowship• Shared accountability

• Early focus on savings culture• Handling money• Safety net• Source of capital

• Augment savings with small, short term loans• Loans to individuals, but

“guaranteed” by the group• $50-$200• Short term (4-9 months)• Interest rates 2%-4% per

month• Increase loan size with

demonstration of success

• A “philanthropic microfinance” organization

• Relational in nature – “heart of a pastor; mind of a banker”

• Five Talents is based on Christian values

• Inspired by the Parable – hard work, risk-taking, accountability

• Five Talents reaches into high-risk areas

• Working in post-conflict and disaster areas

• Five Talents works with the local church

• Provide local presence, accountability, credibility and infrastructure

WHAT MAKES US UNIQUE?

PROJECTS AROUND THE WORLD

Five Talents has funded

more than $5 million in

loan capital, business

training and set-up costs.

Worldwide, Five Talents programs have served more

than 65,000 clients with 120,000 loans

- impacting more than 1 million lives.

More than two-thirds

of these clients are

women.

Currently working in

12 countries:

Peru, Bolivia,

Indonesia, India,

Philippines, Uganda, Kenya,

Tanzania, Sudan, South Sudan,

Burundi, and

Myanmar.

• For most of Lidia’s life, she felt she had all she needed. However, after four children, she separated from her first husband and was abused by her second partner. “I decided that God did not exist,” she said.

• Thanks to her women friends in her loan group, Lidia came to realize that God was her refuge. Each of her children have since given their lives to God.

• “I am very grateful to ECLOF (and the Anglican Diocese), which addresses the spiritual aspects of our lives, unlike other credit institutions. God has blessed us and we will never forget to always trust in Him for everything.”

TRANSFORMATION IN PERU

MICRO-CREDIT FILLS A GAP

• 1.5 billion people without access to financial services

• Microfinance is now reaching 180 million clients

• Conventional aid has limited effectiveness

• The poor want a safe place to save money

• Micro-enterprise growth is cash-constrained

POORER AND RISKIER

The Story of Amat Wuot Community Bank in Lietnhom, South Sudan

HOW YOU CAN HELP

•Pray

•Pledge

•Particip

ate“You gave me five

talents. Look, I have earned five more!”

COMMUNITY TRANSFORMATION

Transforming individuals, then families, then communities…

Our website: www.FiveTalents.orgFacebook: facebook.com/FiveTalentsUSATwitter: @FiveTalents