Our Field-Tested Method
We have helped launch micro-loan programs many times in several nations, and this method has proven to work well. It’s simple, relational, and built on trust and accountability.
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Step 1: Choose the Right Leader (Not the Pastor)
We do not start these programs with the head pastor. Instead, we work with the assistant pastor or a trusted church leader who is still a tentmaker—someone who works a regular job while also serving in ministry.
This leader usually has deep connections within the community. He understands the struggle of balancing faith, work, and family. He’s respected but relatable, and this makes him ideal to lead the program.
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Step 2: Build the First Group
The assistant pastor gathers 20 to 30 people from the community—usually women. These programs tend to have more success with women, as they are often more focused on their families and consistent in repayment.
However, depending on local culture, safety, or gender dynamics, some men may need to participate—usually no more than 30% of the group.
The group holds a community meeting and votes to select the first 10 participants. This peer-selection process ensures that the most trustworthy and reliable people—often already active in the church and community—are chosen. These individuals are seen as most likely to succeed and repay the loan.
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Step 3: Require Simple Business Plans
Each of the 10 selected participants must create a simple business plan. Loan amounts are kept small—usually $20 to $50—enough to start a modest business such as selling food, making crafts, or running a small produce stand.
Every participant must also select two accountability partners to help them stay focused, encouraged, and responsible for repaying their loan. This keeps the program relational and community-centered.
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Step 4: Manage the Loan Process Carefully
The assistant pastor or leader carefully tracks the loans. Participants typically have 3 to 9 months to repay their loan using profits from their new businesses.
There is no interest charged—this program is about empowerment, not profit.
For the first round, it’s crucial to wait until all 10 participants have repaid their loans before moving on to the next group on the waiting list. This sets a strong tone of accountability and teaches financial responsibility. Later groups can be handled more flexibly, but it’s important to establish trust and discipline early.
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Step 5: Keep a Bigger Vision
The goal is not just financial—it’s spiritual. Every participant is encouraged to connect with a local church, build Christian friendships, and eventually receive their own Bible.
This usually happens naturally, as the people selected in the first group are often already well-connected socially and spiritually.
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✅ Key Principles for Success
• Don’t start with the pastor—use an assistant or tentmaker leader.
• Let the community vote for the first 10 participants to ensure trust.
• Keep loans small ($20–$50) with simple business plans.
• Use accountability partners for added support.
• Require full repayment before advancing to the next group.
• No interest charged—this is about ministry, not money.
• Stay focused on church involvement and spiritual growth alongside financial success.
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The Lords Work 