1. Make a loan, change a life

2. This is Rasheeda, she lives in Pakistan with her husband and five children. Rasheeda has a skill – she makes beautiful clothes. However, she needs help to grow her business. Because Rasheeda is poor, most banks will not help her. Without help her business might fail and she will struggle to find enough money to support her children. What is the problem?

3. There are millions of people in the world, like Rasheeda, with no access to basic financial services like loans or savings What is the problem?

4. 1.The entrepreneur has an idea Just like any small business, it all starts with an idea. An entrepreneur, like Rasheeda, who needs help to expand their small business approaches a local microfinance institution (MFI) with a business plan. MFIs are like local banks but they provide financial services to people who big banks don’t normally serve – such as the poor. An entrepreneur’s business plan could be anything from dressmaking to expanding a small farm. What is lendwithcare?

5. 2. The microfinance institution (MFI) gives a loan If the MFI is satisfied that the entrepreneur’s business plan is promising, they approve the proposal and provide the initial loan. The MFI then helps the entrepreneur to construct their profile for lendwithcare.org.

6. 3. You meet the entrepreneur on lendwithcare.org

7. 4. You lend your support When you’ve made your decision, you provide a loan to get the entrepreneur’s business plans off the ground. You can lend anything from £15 to the full amount.

8. 5.

9. 6. The entrepreneur repays your loan The entrepreneur gradually pays back their loan. The MFI transfers these repayments to CARE International who then credit the repayment to your lendwithcare.org ‘Account’.Account You usually get your money back in full and on time. Sometimes however, just like any business, things might not go to plan. If the entrepreneur is not able to keep up with their repayment schedule, you might have to wait longer to recover your investment. Or you might not get it back.

10. 8. You decide what happens next When the repaid loan is credited to your ‘Account’, you control what happens next: ‘Account’ 1.You can withdraw your money. 2.You can donate it to CARE International. 3.Or you can do what most lenders do and make another loan, helping even more entrepreneurs turn their plans for their business – and their hopes for a better future – into reality.

11. Marcelline is from Benin in West Africa. She sells vegetables from her market stall so she can afford to send her children to school

12. Bapak Asep is from Indonesia in Asia and produces and sells dumplings. He hopes that his son will one day be able to study at the school where he sells his dumplings.

13. Leonor Zhingre is a maize farmer from Ecuador in South America. She used a loan from lendwithcare to expand her farm and save for her future health needs.

14. La Morm is from Cambodia in Asia. She is a tailor. She used a small loan from lendwithcare to buy a new sewing machine so she could increase her business and employ another apprentice.

15. Our lenders!!!

16. Visit lendwithcare.org today!