An unexpected legacy

How one grandmother's bold move changed a whole family — and their future

Veronica was 80 years young when she took on an unlikely new challenge — to become an entrepreneur. 

For decades, this proud mother of five and grandmother of six, along with her husband Antonio, had raised chickens at their home in rural Kenya, selling some here and there to make meager ends meet. But when she heard about TOLI’s microloan program, she began to dream of something bigger. 

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So in 2019, despite the fact she had never learned to read, Veronica signed up for TOLI’s Business Basics Course through her community-based savings group. Her husband and daughter-in-law, Judy, joined her. The course, which is designed for learners of all levels, gave them practical tools for growing a thriving small business, and the Biblical foundations to integrate their work with faith in Jesus.

After finishing the course, Veronica and Judy were granted microloans of about $250 each to invest in poultry inventory and the equipment needed to grow their businesses.

Now 18 months later, what started as a family flock of a few dozen chickens is today a full-fledged poultry operation, numbering more than 850 chickens between them. They rear birds for eggs and meat, and have expanded to both wholesale and retail sales.   

Veronica and Antonio have been married for 58 years.

Veronica and Antonio have been married for 58 years.

Antonio loves to brag about the power of TOLI’s training and how it changed their life. 

“The way he talks about TOLI is like magic,” says their TOLI Social Worker, who has walked alongside the family throughout the program. Antonio now spends time teaching and mentoring his kids and grandkids in the poultry business, passing his know-how and vision to the next generation. 

As for Veronica, she admits this whole venture was a risk at first. But she wasn’t afraid.


“If you fear doing something, you’ll never do it. But God will do it through you. God does not want people to fear.”


“If you fear doing something, you’ll never do it,” she says. But if you take the risk and believe, then “God will do it through you. God does not want people to fear.”

What’s most remarkable about Veronica and Antonio’s story is not their risk-taking, their late-in-life success, or their newfound financial security. What's most remarkable is how they show us that big dreams unfold one brave step at a time, through one person at a time, and — with God’s help — have the power to change generations to come.

Antonio with some of their flock. They hope to add a second story to this chicken coop and double their inventory.

Antonio with some of their flock. They hope to add a second story to this chicken coop and double their inventory.

Veronica is the mother of five and grandmother of six.

Veronica is the mother of five and grandmother of six.

Veronica's daughter-in-law, Judy, shows off her completed Business Basics Workbook.

Veronica's daughter-in-law, Judy, shows off her completed Business Basics Workbook.


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JOIN US FOR TOLI TUESDAY.

TOLI Tuesdays are a unique time to meet TOLI staff around the world to pray for them and their clients. This month, we welcome a team of three social workers — Lucy, Judy, and Hellen — working with TOLI clients in Kenya, including Veronica and her family! They will share updates from the field and prayer requests for their ministry. You'll also hear the latest prayer needs and updates from our other locations around the world.

WHEN: Tuesday JUNE 8, 12pm MT on Zoom
Email Liza for your Zoom link. Or join the Prayer Team here to get prayer reminders straight in your inbox.



Help us spread the word so we can bring microloans and hope to more families — LIKE and SHARE TOLI with your friends on Facebook, Instagram, and LinkedIn:

Hellos and goodbyes

Helloto new places and new people


INTRODUCING TOLI-UGANDA. An outgrowth of TOLI-Egypt, this new partnership in Uganda will be spearheaded by Goshen Gospel Ministries, a network of six small churches scattered across a rural area just north of the capital city of Kampala.

Goshen church leaders had been praying for years "for God to send an organization to help us reach the community" with practical help and the good news of the Gospel. Through divine connections at Heliopolis Evangelical Church (our strategic partner in Egypt), Goshen and TOLI were introduced to each other.

More than 70 budding entrepreneurs completed TOLI's Business Basics Course near Luweero, Uganda in March.

More than 70 budding entrepreneurs completed TOLI's Business Basics Course near Luweero, Uganda in March.

This new frontier for TOLI is a result of months of talks, prayer, and visits between TOLI-Egypt leaders and leaders in Uganda. To date, 70 needy entrepreneurs have received business training here, and the first five TOLI clients have been approved for a microloan. Stay tuned for much more from our new partners in Uganda. In the meantime, we invite you to a special hour of prayer over this new program on Tuesday May 11 at 12pm MT on Zoom. Scroll down for details!


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AND INTRODUCING OUR NEWEST TOLI-US TEAM MEMBER, MORGAN SHABE. Morgan joins TOLI this month as Program Associate in the US office, where she'll help expand our program's impact and capacity. Morgan has deep nonprofit experience, a heart for the Lord, and a passion for serving vulnerable populations, especially internationally. Here's a quick Q+A to get to know Morgan better:

What attracted you to TOLI? "I have always loved the concept of microloans and the impact it has on communities. I love TOLI's approach in the sense that we never want to be front and center, but only want to equip the local partners to be the true hands and feet of Jesus." 

What do you like to do in your free time? "I'm a Colorado Mountain girl! We love to ski, hike, bike, and kayak. I also love to read and am always trying to learn something new." 

What's a random fact about yourself we should know? "I always love to lead with telling people we have 7 kids... the reactions always make me smile! Another random fact: It seems like a lifetime ago, but I was a foster parent for a total of 5 teenagers starting when I was 19 through 25 years old." 

What's your favorite bible verse? "The Lord your God is in your midst, a mighty one who will save; he will rejoice over you with gladness; he will quiet you by his love; he will exult over you with loud singing." — Zephaniah 3:17


And farewell
(but not really goodbye)


COMMUNICATIONS FELLOW, LIZA CUNNINGHAM, FINISHES HER FELLOWSHIP THIS WEEK, concluding a 9-month internship with TOLI. We are so grateful for Liza's hard work, creativity, and whole-hearted service to TOLI. God has worked in her mightily this year, and we know it is just the beginning.

Liza wanted to share with all of you how a year in the TOLI family has impacted her life ...

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“Working for TOLI has been an experience I never knew I needed.”

I spent my last semester at the University of Tennessee searching for jobs at large, for-profit agencies in big cities like New York, Chicago, and Los Angeles. Through that search, God pulled hard at my heartstrings, calling me to draw closer to Him. I knew that I wanted to focus on my faith, but I always told myself, 'I’ll have time later in life,' and 'it’s more important to land a full-time job right now.' Boy, was I wrong.

I was eventually prompted to join a nine-month Christian leadership program called The Fellows Initiative. Through this program, I was connected to TOLI — and I thank the Lord for it every day. Never in my wildest dreams did I picture myself at a small non-profit in Colorado Springs, but working for TOLI has been an experience I never knew I needed. 

If you’re signed up to receive this newsletter, you know that TOLI pours into the lives of new entrepreneurs across the globe. But what you don’t know is that TOLI also pours into me. 

My job responsibilities include mining through field reports, client interviews, images, and archives to tell personal and inspiring stories for social media, newsletters, reports, and TOLI's website. By digging through databases, learning about clients, and communicating with field staff in different countries, I have been inspired in more ways than I can count. The majority of these clients work hard, love deeply, credit their success to the Lord, and trust that He will provide. Even when these clients don’t end up with business success, they gain something much more valuable: a strengthened relationship with God. Many don’t even have a bed, yet somehow their faith appears so much stronger than mine. This contagious hope in the Lord sparked my inner desire to grow in trust, discernment, and faith on a deeply personal level.

While I could go on and on about the different client stories that have brought me to tears, the social workers who have shown me love and grace, or even the generous hearts of those who give so faithfully to this ministry, I couldn’t even begin to tell you what working with Abigail, Erin, and Eddie has been like. They show me what it’s like to partake in the body of Christ... Every. Single. Day. They teach me how to live in God’s grace, take each day at a time, and, most importantly, how to intentionally pray over every worry, heartache, or situation out of my control. Their hearts are full of joy, compassion, and peace. They are mentors, coaches, and friends, but, even more than that, they have become family.

So, thank you to the entire TOLI family, near and far. You’ve pushed me to become a better version of myself. Encouraged me to be a joyful giver. Shown me the power of prayer, community, and hope. And lastly, you’ve shown me that restoring human dignity is possible and that this broken world has some good to go around after all. While the nature of the TOLI ministry is to uplift our impoverished brothers and sisters across the globe, I will forever be grateful for this experience, the community surrounding this ministry, and the way my relationship with Christ has positively transformed over the past nine months. 

TOLI Thankful, 
Liza Cunningham, Communications Fellow


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HELP US COVER OUR NEW UGANDA PROGRAM IN PRAYER.
Join us for TOLI Tuesday Prayer Gathering for a special time of prayer for our brand new Uganda program, ministry partners, field staff, clients, and local community. You'll also hear the latest prayer requests and updates from our other locations around the world.

WHEN: Tuesday MAY 11, 12pm MT on Zoom
Email Liza for your Zoom link. Or join the Prayer Team here to get prayer reminders straight in your inbox.



Help us spread the word so we can bring microloans and hope to more families — LIKE and SHARE TOLI with your friends on Facebook, Instagram, and LinkedIn:

Love is local.

How TOLI's "for local, by local" model is making an impact — for vulnerable communities and the ministries that serve them

It was no easy feat, gathering 50 women together, pulling them from work and kids on a Monday morning. For some, it was the first time to ever leave their village.

Our partners in Upper Egypt had dreamed of a spiritual retreat for their TOLI microloan clients for a long time — a day of worship, encouragement, food, and fun. And earlier this month, they made it happen. The women arrived in minibusses in small groups, a little shy and sticking close to the few people they knew. But by day’s end, the courtyard echoed with laughter as they crowded close, playing games and cracking jokes in the afternoon sun. Joy.

More than 50 women, all of whom have built a small business through TOLI's microloan program, gathered in El Minya, Egypt, for a special day of worship, teaching, and encouragement.

More than 50 women, all of whom have built a small business through TOLI's microloan program, gathered in El Minya, Egypt, for a special day of worship, teaching, and encouragement.

Keeping it local

We like to say that TOLI is designed to be ‘for local, by local.’ And this retreat illustrates that perfectly. It is our local ministry partners, like these churches in Upper Egypt, who have the true vision for serving their own people. They invest the time, energy, and prayer to usher in transformation in their neighborhoods through TOLI's microloan program. “TOLI,” as an organization, is just privileged to get a front-row seat.

Everywhere we work, we partner with local organizations — churches or Christ-centered ministries — already at work in the community. That’s because we believe truly lasting solutions are homegrown. These local ministries adopt the TOLI program to be one more tool in their toolbox to effectively reach the people God has called them to serve. A local committee of volunteer leaders oversees operations. And TOLI social workers are native to the community being served. The potential impact of a TOLI microloan program in their area is as big as they dare to dream for it.

Transforming communities

We tell a lot of stories here about individual client successes. But TOLI’s impact is community-wide — and even beyond.

The five churches that brought TOLI clients together for this retreat may be miles apart, with their own unique challenges. But they share at least one thing: a commitment to restoring the God-given dignity of every person. And together they’re finding new, creative, and God-glorifying ways to fulfill it. 

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Women worshipped together and enjoyed a special meal.

Women worshipped together and enjoyed a special meal.


Your support helps TOLI provide our program to more local ministries who are impacting their communities for Christ.


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What did 2020 mean for TOLI? Check out our Annual Report.


You won't want to miss the amazing story of Faith, one incredible client whose journey this year illustrates how God is using TOLI to transform lives ... even in the year of COVID.



Help us spread the word so we can bring microloans and hope to more families — LIKE and SHARE TOLI with your friends on Facebook, Instagram, and LinkedIn:


Open Doors: Our 2020 Annual Report

For the world, 2020 was a year the world closed down. For TOLI and our clients, it was a year of doors opening up — to new locations, to new avenues for ministry, to more hearts ready to hear the Gospel. Thank you for standing with us so faithfully during a challenging, but strengthening year.

With gratitude for you and thanksgiving to the Lord, we are pleased to share our 2020 ANNUAL REPORT.

6 ways we thank God for 2020

Praising God in the hurricanes

“… you may have had to suffer grief in all kinds of trials. These have come so that the proven genuineness of your faith ... may result in praise, glory and honor when Jesus Christ is revealed.” — 1 PETER 1:6-7

In November, Pastor Earl Bowie, leader of our partner ministry in Central America, stood on his porch in the middle of a hurricane to film a message to share with the world. As the wind bent trees and the rain pelted his face, he proclaimed that God is good, in control, and worthy of praise.

Watch Pastor Earl's message HERE.

Watch Pastor Earl's message HERE.

Looking back, 2020 feels a bit like one long hurricane.

As if a storm of sickness, strife, isolation, riots, even wildfires and actual hurricanes hung over us for most of the year.

In a letter to early believers, Peter wrote that earthly suffering will bring kingdom results. The same is true today — question is, do we just hunker down and wait out the hurricanes, or can we actually participate in those kingdom results?

I believe we can — because our partners and our clients are showing us how. Pastor Earl’s video, praising God in the storm, has been viewed more than 142,000 times on social media. His faith, hope, and boldness in the middle of very real trials are resulting in “praise, glory, and honor” for Jesus Christ.

For TOLI, the stormy backdrop of 2020 causes its blessings to shine even brighter. We grieve what was lost, but we also celebrate the goodness God allowed us to find:

1. Our clients are strong. While lockdowns impact developing economies hardest, TOLI clients have shown resilience. Many TOLI clients and social workers battled COVID, but we give thanks to God that every one of them has fully recovered. Even better, most are back to work.

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2. Our partners are committed. Volunteers and staff at our partner ministries in Egypt, Kenya, Nicaragua, and Ethiopia worked tirelessly, often in unthinkable conditions — police-enforced lockdowns, catastrophic hurricanes, blackouts, civil unrest — to show people Christ’s love with compassion and courage, overcoming obstacle after obstacle. In fact, TOLI ended up granting 37% more microloans in 2020 over the previous year — despite pausing our program for several months when the pandemic first hit.

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3. Our donors are faithful. Throughout this tumultuous year, your support matched our ministry needs almost dollar for dollar, month by month. Whether through the COVID relief initiative or during the bump in demand for microloans that followed—God provided every resource needed to continue serving clients well, and then some. And He did it through YOU.

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4. Spiritual food is real. At the start of 2020, the Lord prompted us to invest more deeply in spiritual development. Then COVID provided a way to put Bibles in the hands of every client, along with food packages, in their darkest time. The physical and spiritual food nourished these families the whole year through. In fact, one client in Kenya, armed with her own Bible for the first time, began holding church services and preaching in her yard while her local church was shut down.

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5. Technology is a miracle. TOLI staff and partners now clearly see how isolated we were from each other before COVID. We’ve all embraced new technology that connects us “in person” now more than ever. That’s one change that will stick.

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6. We’re all needy. In ministry and development work in the US, it’s easy to operate on the assumption that ‘we’ help ‘them.’ It’s a false premise embedded in the Western mindset, which under normal circumstances takes intention and practice to dislodge. This year, though, sickness and strife didn’t play favorites, and our own neediness, even as 'privileged Americans' was suddenly on prominent display. And so our empathy for each other, mutuality in our prayers, and unity in Christ grew between TOLI partners in profound ways. It is a gift.

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That's just six, but I could go on and on.

So—were these blessings worth all the heartache of 2020? I'll leave that to God. What is left to us, though, is to point to goodness whenever, wherever it comes. To say it out loud. And to thank our God for it.

As we walk together into a new year, may the trials that lay behind and the inevitable challenges out ahead prove our faith genuine, and our Lord trustworthy.

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Abigail McConnell,
Executive Director, TOLI


2020 GIVING STATEMENTS VIA EMAIL
This week you should have received your 2020 Year-End Giving Statements from us via email. If you didn't get it, be sure to check your spam or junk folder, or contact Erin Eilmes for assistance. (PS: This is a great time to make sure you've added us to your contacts!)


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Hop on Zoom with us at 12pm MT on February 9 for our #TOLITUESDAY Prayer Gathering. This month, Lucy Njeri, TOLI Social Worker in Kenya shares what God is doing in clients' lives in her area and how we can pray. She'll also introduce us to NEW members of the Kenya TOLI team!

Email Liza to get this week's Zoom link or CLICK HERE TO JOIN THE PRAYER TEAM.


We want to hear from YOU. 

GOT A SECOND? Take our quick communications survey that will help us get you the information you need and want from TOLI. It only takes a minute and will help us a ton. Thanks in advance!

Let's Change the Story.

End this year with an investment in hope.

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In this year of difficult stories, let me share a hopeful one.

Tereza lives in a part of Cairo marked by crumbling buildings and crushing poverty. But poverty is not how this story ends. Just before COVID, this young mom took a brave first step toward a new life: She took a TOLI microloan to buy a sewing machine and supplies, worth about $300. And then she got to work.

In just eight months, Tereza doubled her household income, paid off her loan, and invested in a second sewing machine. Tereza now employs two people and rents a commercial space instead of working out of her flat. And when her husband lost his job earlier this year, her income kept their family stable.

Tereza took many bold steps to achieve success. But, do you know what her first step was? To give it away.

She gave the profits from her first sales to the church to thank God for his provision. She attributes the blessings of the past year to his love and faithfulness. And she prays for her next steps: To hire more employees and open a factory to produce her kids clothing designs.

Tereza shows TOLI Program Associate, Katie Haar, her new workshop.

Tereza shows TOLI Program Associate, Katie Haar, her new workshop.

Like Tereza, we’re also grateful for God’s provision in this year of unprecedented challenges. Because of his faithfulness — and yours — TOLI provided help and hope in new ways this year:

> Supplying emergency food aid to 3,368 people and distributing 6,000 free face masks sewn by clients to TOLI communities through our COVID-19 Relief Initiative
> Adding 3 new TOLI sites in Egypt
> Providing Bibles to 600+ clients, as well as creating a digital, multilingual spiritual discipleship library for field staff
> Translating and implementing our new TOLI Business Basics Course in 3 languages (Arabic, Spanish, and Amharic)

In a year marked by loss and fear, people like Tereza have taught us about hope, generosity, and courage.

What better way to change the story of 2020 than by investing in more people like her? Please consider making TOLI part of your year-end giving plans.

The story you change just might be your own.

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Abigail McConnell
Executive Director, TOLI



TOLI's microloan program provides DIGNIFIED, SUSTAINABLE, CHRIST-CENTERED TRANSFORMATION through our simple but powerful "cycle of hope."


Inspired? Go deeper with us in the new year.

> PRAY with us. Join our TOLI Tuesday Prayer Gatherings via Zoom, (second Tuesdays from 12-1pm MST), which regularly feature guests from TOLI sites around the world. Join the Prayer Team here to get prayer reminders straight in your inbox.

> SAVE the DATE. We can't wait to gather again to share stories and grow support for the work God is doing through TOLI. Mark Thursday, September 23, 2021, in your calendar for our next Big Event.

> Become a MONTHLY INVESTOR! Our plans for 2021 are ambitious! By giving an automatic, monthly gift, you'll help fuel TOLI's work in a powerful way. Click here to sign up online — just click "Monthly" when prompted. 


Help us spread the word so we can bring microloans and hope to more families — LIKE and SHARE TOLI with your friends on Facebook, Instagram, and LinkedIn:

Fighting for a better future. Together.

Instead of shutting down, TOLI groups around the world are training up

The pandemic may have shut down economic growth in TOLI communitites, but it hasn't shut down the desire to learn, change, and dream of a better future. 

Proof? When we proposed offering our business training course this fall in the Kiandutu slum in Kenya, nearly 100 people signed up, ready to learn entrepreneurship and small business skills.

However, it was a challenge to find a space large enough to meet safely. After plans for two different meeting rooms fell through, these hopeful students took matters into their own hands: They found some iron sheets and wood poles and, in a nearby empty lot, built a training space with their own hands.

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Since then, this ‘classroom’ (pictured above) has hosted more than 80 students, who've all successfully completed TOLI’s Business Basics Course. Their next step? Microloans and new businesses that will help them provide for their families and community.

IN PICTURES: TOLI students get equipped for a new future

TOLI groups around the world have capitalized on this season to train up current and future emerging business owners. Go on a PHOTO TOUR of small business training happening now at TOLI sites around the world:

MORE THAN A BUSINESS COURSE

In the last two months, groups in Egypt, Kenya, Nicaragua, and Ethiopia have taken advantage of TOLI’s Business Basics Course (BBC). Our curriculum was revised and customized this year, and translated into 3 languages (Arabic, Spanish, and Amharic). This unique small-group experience was created specifically for non-literate or low-literacy learners, and is contextualized for local culture. It weaves together:

> Worship and Biblical foundations
> Explorations of identity, worth, capacity, and creativity
> Basic business topics like marketing, savings, budgeting, and customer care
> Confidence-building, goal-setting, and leadership development
> Team building and group bonding

Equipped with this powerful training — training that transforms both the mind and heart — these students are now ready to apply for a TOLI microloan to help build their own small business.

As economies recover from COVID and families look for ways to thrive, this training is more valuable than ever. Thank you for helping us deliver it to the people and places it’s needed most.


Join us Tuesday — live from Kenya

Join us Tuesday at noon (MST), and you’ll meet Humphrey Kanga, founder and CEO of TOLI partner KCK Ministries in Kenya. He’ll share the latest updates on our microloan program there and specific ways we can be praying. To join us, email Liza Cunningham to receive your Zoom link.


Got Pie. Gave Hope. …THANK YOU!

This year’s Get Pie Give Hope event blew us away. The COVID-friendly “pie-through” in October raised more than $10,000 to support TOLI. You bought every last piece of 51 incredibly delicious Gold Star pies (that’s 357 slices, if you're counting), and turned them into more than 37 microloans for poor entrepreneurs through your donations.

A BIG thank you to Heather Briggs of Gold Star Pies, who baked and donated all the pies, as well as the grand prize Gold Star Pie Truck Party. And thanks to our awesome volunteers and everyone who came out to support TOLI and savor sweet pie together.

Gold Star Pies' Heather Briggs and TOLI Executive Director, Abigail McConnell, at last month's Get Pie Give Hope event.

Gold Star Pies' Heather Briggs and TOLI Executive Director, Abigail McConnell, at last month's Get Pie Give Hope event.


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Help us spread the word so we can bring microloans and hope to more families — LIKE and SHARE TOLI with your friends on Facebook, Instagram, and LinkedIn:


A recipe for blessing

Baker and pie truck owner delivers hope through TOLI

Gold Star Pies' Heather Briggs, with TOLI client and fellow pie baker, Marcia, in Nicaragua last year.

Gold Star Pies' Heather Briggs, with TOLI client and fellow pie baker, Marcia, last year.

How does a pie baker in Colorado get involved in a global poverty ministry like TOLI? It’s a more natural connection than you might think. 

When Heather Briggs, owner of Gold Star Pies in Colorado Springs, first learned about TOLI’s model of providing microloans, training, and spiritual support to needy entrepreneurs in poor communities, it struck a chord deep in her entrepreneurial heart. So she decided to travel on a TOLI trip to Nicaragua in 2019 to learn more. Then it got personal.

"When I was on the site visit, I got to meet Marcia (pictured), a mother and pie maker in her community," Heather says. "She received a TOLI loan to purchase equipment and initial grocery inventory for a pie business. She brought pineapple and lemon pies for us to sample, and I could taste the love and devotion that went into making them. Our connection as small business bakers was sweet, and I was reminded of the goodness TOLI offers to so many creative, hard-working entrepreneurs." 

Heather joined TOLI's board later that year. Her business experience, heart for people, and creativity have already made TOLI a better ministry. And the generous way she shares goodness through the pie truck has helped introduce scores of new people to our mission. 


"I love the people aspect of TOLI," Heather says. "It's people loving people, and coming alongside to inspire, build up, train, and problem solve. It's so much more than a lending program."


On October 13, Gold Star Pies will again host "Get Pie. Give Hope." For the third year in a row, Heather will make and donate pie to benefit TOLI. Attendees will “name the price for their slice,” knowing every dollar goes toward providing poor entrepreneurs with microloans. The really fun part? The highest payer is treated to a private Gold Star Pie Truck party hosted by Heather herself. 

TOLI is so much more than a lending program. And in the same way, TOLI supporters are so much more than donors. To us and to our clients, supporters like Heather are friends, cheerleaders, teachers, learners, mentors, pray-ers ... family.

And through them, God has made our world a bit smaller, and a lot better. 

Marcia is a TOLI client, pie baker, and mother of five in Nicaragua.

Marcia is a TOLI client, pie baker, and mother of five.

 

Live updates and prayer

Join TOLI staff, supporters, and partners at 12pm MT on October 13 for our monthly sharing and prayer time.

This month, you’ll meet Lucy Njeri, TOLI Social Worker in Kenya. Lucy will share latest updates from her region, including our new business training program she is providing to scores of budding entrepreneurs in the slum of Kiandutu, north of Nairobi. 

To join us, email Liza to receive your Zoom link or click the button below to JOIN THE PRAYER TEAM.

Teamwork. TOLI-style.

How TOLI clients are joining forces to kickstart local economies

This year has thrown us all a curveball. But TOLI clients in Nicaragua are rising to the challenge—together

Last month our partners in Puerto Cabezas called a 'family meeting' to rally TOLI clients and brainstorm how to get back to work, even though COVID had crippled the economy in this small coastal town. While their businesses stayed shut, they knew they had to think creatively to get business moving again. But how?

Teamwork. 

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Local TOLI leaders and clients crafted a plan: Form neighborhood-based small groups to work together on simple, short-term microenterprises.

Using seed money from our COVID-19 Relief Fund, each team of 10 plans a four-week business projectInitial profit goes to repaying the seed money and expenses; subsequent profit gets split between group members. 

The first of these 'Entrepreneurship Teams' set up a weekend soup sale in town, using a $150 loan from TOLI for supplies, then selling tickets to ensure a customer base. Early results are promising, proving the concept as well as turning a modest profit. The second sale is scheduled for this weekend. 

But the payoff is so much more than profit. These teams will be a permanent feature of the TOLI program here, providing safe communities of social support, bible study, discipleship, leadership development, and business training long after the group business projects are over. 

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Getting people organized and mobilized in this context is a challenge, our social worker Gordon 'Junior' Mitchell tells us. But it's worth it.

"It's actually really tiring," he says, "but it’s a blessing, because ... you’re educating people about business, you’re educating them about leadership, you're teaching them how to be part of a team." 

Six teams are now in development, and business project ideas range from selling fast food to kitchenwares. Each group has a chosen leader, and members divide duties according to their abilities and interests.

At a time when many feel isolated and powerless, we're inspired by how the TOLI family in Nicaragua is joining forces and recognizing the rich assets God has given them: each other. 

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"Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master." — MATTHEW 25: 23
 



Courage to restart

How TOLI clients are now bravely investing, adapting — and getting back to work

Even in normal times, being an entrepreneur means taking risks. These days though, it takes an extra dose of courage. As life inches back to normal — or adapts to a new normal — TOLI is beginning to grant new microloans again to clients who are ready. In communities where restrictions are now lifting, our local partners are helping clients bravely kickstart new businesses and rebuild existing ones. In fact, 27 new microloans have been granted in the past few weeks in Egypt and in Central Kenya. 

Meet four courageous entrepreneurs in central Kenya, who are boldly investing in their dreams: 

MAGDALENE // Cosmetics Shop. Magdalene is a brand new TOLI client, launching a cosmetics shop in her community. Her loan of $300 will allow her to stock her shop with the inventory and supplies needed to build her business.

MAGDALENE // Cosmetics Shop. Magdalene is a brand new TOLI client, launching a cosmetics shop in her community. Her loan of $300 will allow her to stock her shop with the inventory and supplies needed to build her business.

LENA // Veterinary Services. Last fall we shared how Lena launched a veterinary services business with a $300 microloan. Since then, she's continued to build her business, even through the worst of the pandemic restrictions, and paid off her loan su…

LENA // Veterinary Services. Last fall we shared how Lena launched a veterinary services business with a $300 microloan. Since then, she's continued to build her business, even through the worst of the pandemic restrictions, and paid off her loan successfully. This month she received a secondary $300 loan to increase her inventory and earnings.

HUNTINGFORD // Banana Farmer. Huntingford just took his first TOLI microloan to purchase water storage tanks to help irrigate his banana crops. With reliable irrigation, he will now be able to increase crop yields and provide steady income for his f…

HUNTINGFORD // Banana Farmer. Huntingford just took his first TOLI microloan to purchase water storage tanks to help irrigate his banana crops. With reliable irrigation, he will now be able to increase crop yields and provide steady income for his family.

JANE // Wholesale Shop. Jane just received a second microloan to grow her wholesale shop's inventory, expanding the products available in her village.

JANE // Wholesale Shop. Jane just received a second microloan to grow her wholesale shop's inventory, expanding the products available in her village.

Each of these clients is equipped with small business training and the coaching of a TOLI social worker. As they earn income and pay back the loan (most are less than $300), those funds are 'recycled,' providing another loan to a family in the very same community. And our local partners walk with them every step of the way, while bearing witness to the lasting hope that only Jesus Christ provides. 


"Those that will trust upon the Lord, despite the challenge, they are still going to achieve their dreams." — NICHOLAS, TOLI SOCIAL WORKER, KENYA

So how are these clients prepared to face the challenges ahead? Through training, determination — and faith, says Nicholas Kirunja, a TOLI Social Worker in Kenya. 

"Those that live in fear and doubt are not willing to start or even expand their businesses," Nicholas tells us. "But those that will trust upon the Lord, despite the challenge, they are still going to achieve their dreams. So long as they adhere to all the precautionary measures, God is going to give them victory."  


In August, we expect at least 40 new microloans to be granted in locations where it's safe to do so. Now is a great time to invest in our courageous clients, as they start or rebuild a small business to provide for their families. 


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We're looking for Monthly Investors

Every new monthly donor in August gets a little thank you from us

Did you know that for as little as $25 a month, you can help provide a life-changing microloan every single year? These "Monthly Investors" fuel TOLI's ministry in a powerful, sustainable, and budget-friendly way. 

Right now, we're looking for 10 new Monthly Investors to join this core team of support. And if you sign up in August, we'll even send you an awesome TOLI WATER BOTTLE as our way of saying thanks. Will you join the team? Click the button below, or contact Erin Eilmes for assistance. 


"Be strong and courageous. Do not be afraid; do not be discouraged, for the LORD your God will be with you wherever you go." — JOSHUA 1:9