Wouldn’t we all like to invest in something that gave us Ever Increasing Returns?

It seems too good to be true (and it usually is) but not in this case.
But there is a place where our finances can produce Ever Increasing Returns - just not for us, for others. It’s called Kingdom Economics – and it has a multiplier effect.

This winter, TEAR Fund’s Ever Increasing Returns Campaign seeks to help those less fortunate by loaning small amounts of capital for a business they would like to set up or expand. Whether that’s a vegetable garden, small dairy, sewing machine or rice farm - this money allows them to start their own businesses, form co-operatives or help them when they are in dire need. Credit that we take for granted is simply unavailable to the poor in countries like India, Bangladesh and Afghanistan. If they want to get ahead, they have to borrow from loan sharks or black market money lenders. Our ‘Ever Increasing Returns’ Campaign is a powerful catalyst in improving the quality of life for these people through fair interest rates and an honest lending process.

Our research shows us the multiplier effect in action. For every new job created, 13 lives are positively impacted! For every 2.3 jobs created, one more job is generated in the local community. With over 50,000 borrowers TEAR Fund’s partners’ income generation programs help build a critical engine of commerce, training and job creation for the poorest communities.

We’d love to have you join with us as we ‘invest in the least’. DONATE NOW

Where will my money be used?

The money we receive will go towards the micro enterprise programs we currently have in Afghanistan, Bangladesh and India.

Partner: SERVE Afghanistan
Project: Eastern Region Community Development Project

Nasrin and her three daughters had to survive when her husband was killed in the war. She tried to provide food for her children by doing domestic chores but it was not enough. Nasrin was given a cow from SERVE (our partner in Afghanistan) and was shown how to look after it. Eventually the cow became pregnant and after a short period it gave a birth. As a result, she was able to have milk to give to her children and use some to make cheese and ghee to sell at the local bazaar. Part of the project agreement, was for Nasrin to return a heifer to the project. She now has 2 cows and 2 pregnant heifers. She is debt free and has a great small business going.
$50 will give a family of 8 people a goat
$500 will give 10 families of 8 people a goat.

Partner: National Christian Fellowship of Bangladesh
Project: Koinonia Microfinance

I was married at 12, divorced at 13. I was sent back in disgrace to live with my family after my husband had an affair. My parents had paid a huge marriage dowry and were struggling to survive. I was forced to become a day labourer and breadwinner for my family. I was only earning 50 taka [less than NZ$1] per day. I continued working in this back breaking job for 15 years.In 2004 I heard about a loan officer who was visiting our village. My first loan was for buying and selling rice in the local market. My second loan was to buy a cow for milk to sell and drink. My dream was to become a midwife as many babies died in my village. I took a loan to cover my training and buy the equipment I needed. I have been a midwife for seven years and delivered 300 babies. Our village now has 100% survival rate. Those 300 children are my legacy to my village and the loans I received.

$50 will provide 5 sanitation loans to cover health hazards.
$140 will provide the initial cost of a general loan for small purchases (rickshaws, livestock, etc)
$389 will provide the initial cost of a business loan.
$1,556 will provide the initial cost of a Small Enterprise loan.

Partner: Saahasee, India
Project: Bhiwandi Integrated Development Project

Laxmi (35) is from a very poor family living in a remote village of Maharashtra. Her childhood was spent taking care of her siblings while her mother went to work. Early marriage brought additional responsibilities which she was not prepared for mentally or physically. After marriage she migrated to Gaytrinagar, a shanty slum in Bhiwandi. Her husband was a labourer and worked as a painter on daily basis. He earned around 1500 Rupees (45NZD) per month which was not sufficient to keep his children fed, clothed and educated. Unfortunately this only source of income was also jeopardised when he fainted at work (he hadn’t eaten for two days) and fell down from a three-storey building. He now has to use a wheelchair and cannot continue in his previous job. A Saahasee field worker encouraged her to join the Sahasee group and take out a loan to start her own Sarees business. (Indian traditional Dress for women). Today her investment is helping her to take care of her entire family.

$40 covers the cost of 2 children receiving better education
$50 covers the cost of 3 women entering the Micro-finance programme
$150 covers the cost of 10 women receiving vocational skills training
$4,000 covers the cost of the Tuberculosis interventions within the community

* Each gift is a contribution to TEAR Fund's mission of improving the incomes and conditions of the women and their families living in Afghanistan, India and Bangladesh. The costs are approximations due to exchange rate fluctuations.*

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