What is Microfinance?

Microfinance represents the belief that low-income individuals are capable of ridding themselves from the shackles and restraints proliferated by poverty when enabled access to financial services. To provide the means of transferring, saving, or borrowing capital creates an opportunity of sustainable growth and eventual self-sustainability. As these financial services usually involve small amounts of money the term “microfinance” helps to differentiate it from services provided by formal banks.

Microfinance is a business approach to poverty alleviation and economic sustainability.


of the 3Billion people living on $2/day have access to financial services


of loans are repaid on time

Why is Microfinance important and how does it work?


Have you ever heard the saying: “Give a man a fish, and you feed him for a day; show him how to catch fish, and you feed him for a lifetime”?


Micro finance is the financial embodiment of this principal. We don’t just give people money; we loan money to people to start and grow their own businesses so that they have the ability to move themselves and their communities out of poverty. When they repay their loan, the money, including a small amount of interest, is re-invested in another entrepreneur.

We make this possible by partnering with organizations like Village Exchange International/Ghana (VEG). VEG is in Ghana working directly with these local entrepreneurs and has programs to inform villagers of these opportunities and aid them through the process. VEG will be having weekly meetings with the loan recipients to help keep them on track towards repaying their loans. Loans Across Borders club members and contributors to this campaign will receive updates on these weekly meetings and the progress that is being made.

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