Make a loan, change a life

1. Make a loan, change a life

2. What is the problem? • 2.5 billion peoplein the world lack access to basic financial services such as savings facilities & small loans • It is the poor who are typically excluded from these formal financial services • In most developing countries more than two-thirds of the adult population has no access to formal financial services • Yet the poor need these services and already access them informally through loan sharks or savings accounts under their bed

3. What is the problem? This is Rasheeda, she lives in Pakistan with her husband and five children. Like millions of poor people around the world, Rasheeda has a small business – she is a skilled embroiderer – but lacks funding to help sustain and/or expand her business. Most banks will not help Rasheeda because she is poor. Without the tools to expand her small business, Rasheeda will struggle to earn a living – creating a permanent barrier to escaping poverty.

4. What is lendwithcare? • Lendwithcare.org is an initiative from poverty-fighting charity, CARE International UK, which allows individuals to lend small amounts of money (microloans) to entrepreneurs in developing countries to help them grow or expand a small business. • Individuals visit the website – www.lendwithcare.org- and choose an entrepreneur to lend to. They can lend as little as £15 or the full loan. • Rather than receiving a one-off donation, the entrepreneurs pay the loan back to you, using income from their growing business. And once repaid, you can choose to re-lend to another entrepreneur, donate the repayments to CARE or withdraw the money.

6. 7. You decide what happens next 1.The Entrepreneur has an idea 6. The Entrepreneur repays your loan 2.The microfinance institution (MFI) gives a loan 5. The Entrepreneur grows their business 3. The Entrepreneur appears on lendwith.care.org 4. You cover the loan

7. Case studies: entrepreneurs Yawa Dotse, Togo, £200 loan

8. Case studies: entrepreneurs Christina, Philippines, £1,700 loan

9. Supporting female entrepreneurs

10. Celebrity ambassadors Kate Garraway (ITV) Stacey Dooley (BBC3) Deborah Meaden (BBC)

11. Lenders In November last year, lenders helped us spread the word about lendwithcare.org

12. Lenders say … Just made a loan to a Cambodian farmer -she rocks! I think this is a brilliant, really empowering way of helping some one in the developing world. I like the idea of leveraging the internet to get money directly to where it's needed in the world, but supervised through a credible organisation like CARE International. It's a great scheme! This really is the gift that keeps on giving. We all depend at some time on the kindness of strangers. This is a way to help someone & affirm their dignity! Highly recommend it to EVERYONE! It costs so little to help others. PLEASE do it!

13. Group lending Group lending allows you to set up a group and raise loans together, e.g. with your friends, colleagues or family. Visit: lendwithcare.org/groups

14. Visit www.lendwithcare.org today!