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Spiritual & Social Transformation

Microfinance in Moldova is all about transformation.

Transformation through microfinance happens when clients are able to realize a future better than their present situations.

Many factors contribute to the effectiveness of loans in helping clients. These include:

  • Repayment rate
  • Entrepreneurship/drive of the client
  • Current economic situations
  • Cash flow management

Change in Moldova’s economy won’t happen overnight. There is still expensive, yet poor quality clothing and shoes, polluted water, high tariffs for gas, and a medical and educational system filled with corruption.

One loan may not change the cyclical nature of agriculture or even the way Moldova is, but it is a visible step in the right direction. One loan helps a business become more successful by bringing stability to a client’s income. Many clients that come to us won’t be served by the commercial banks. When they approach CAMED, these clients are taking a bold step of faith in realizing their ideas.

One loan at Invest-Credit is the step that moves a client from having a simple business idea to actually making that idea happen. It is the step that funds an education at the university, the step that pays for repairs on a home, or the step towards growth of a client’s existing business. The biggest difference that one loan makes in the lives of clients is that it enables them to move from just surviving to thriving. It’s a beautiful thing when a client can not only provide food for his or her family today, but provide for an education at the university tomorrow.

However, genuine transformation can not occur merely through material gain. True, lasting change does not take place without the transformative power only given through the grace of Christ.

As one of our clients said: “Many people want to come to Jesus, but in order to do so many know they must give up their old way of life, including their old way of earning income (i.e. selling drugs, alcohol, exploitation, corruption, illegal trade). This creates a huge need for Christians to demonstrate and provide ways for them to earn an honest living. Without this, many will not enter the Kingdom, or poverty and desperation drive them back to their old ways and away from God. This is why I encourage and train people, especially young families, to start their own business and be faithful with it, because this expands and sustains the Kingdom of God.”

Many of our activities are developed in partnership with local churches.These include:

  • Character Assessment of the Potential Borrowers
  • Entrepreneur’s Accountability to the Local Church
  • Training & Evangelism Sessions for Entrepreneurs

Trainings are often hosted or otherwise supported by the local church. To achieve spiritual and social transformation we partner with churches and other like-minded organizations. At every point from the loan approval process to the evangelistic outreach activities, CAMED tries to appropriately integrate a Christian message. This results in many different facets of spiritual and social transformation, as briefly outlined below.

Spiritual Transformation

Church Discipleship: CAMED’s work results in an increase in tithing, more focused and disciplined people, people with tangible visions and dreams, stronger relationship with God, and new business skills that can be applied in church-related ministries.

Evangelism: CAMED’s work facilitates this goal through personal examples, sponsorship of evangelistic events, and witnessing to clients, employees, and business partners.

Submission: Through the trainings, CAMED clients learn to submit their businesses and lives to God. Rather than seeing themselves just as owners of a business, they learn to be stewards of God’s resources

Community: Many clients are now training those around them through mentorship, encouragement, use of personal resources, and experience. This builds up leaders and stronger communities.

Advocacy: As clients grow and develop, they become advocates in their communities for previously unknown biblical values such as honesty, integrity, faith, diligence, and many more.

Social Transformation

Responsibility: Clients learn and find success by paying taxes, providing jobs to people in their community, and being generous to the poor and needy.

Accountability: Clients become more disciplined as they learn how important it is to keep their promises and pay back on time, to be accountable, and to be better stewards of the resources they have.

Teamwork: Clients learn social skills of interaction and begin to understand the true value of social partnership where each person can benefit while working together.

Presence: Clients are often a presence of encouragement and inspiration to many hopeless people throughout their personal examples in business and community involvement.