Develop

Why We Develop


In order for there to be large-scale economic change, it has to come from within: the people, the government, and industries. What we can do is make a difference for the residents of Obunga by giving loans and starting businesses so that local jobs can be created.

We believe that people need Jesus and people need jobs.

We believe people need Jesus and people need jobs. However, we understand that as a small nonprofit working in one small corner of the world, we do not have the ability to affect the whole Kenyan economy. In order for there to be large-scale economic change, it has to come from within: the people, the government, and industries. What we can do is make a difference for the residents of Obunga by giving loans and starting businesses so that local jobs can be created.

Unemployment in all of Kenya is at a high of 40%, with a 30% unemployment rate in Kisumu. Among those working in informal businesses, which are a large majority, 52% earn a monthly wage in the range of only $34-46 USD. However, the potential for business growth is tremendous and new opportunities are endless. People often only lack start-up capital. Our goal is to help create jobs, so the next generation will be able to pay for their children’s school fees.

Giving Business Loans 

Micro-finance loans are a strong tool for helping people change their own lives and financial viability. It’s become a popular strategy, especially in Kenya, to empower people to break the cycle of poverty. Ndoto works with entrepreneurs who have promising business ideas and helps them create a solid business plan. We examine the feasibility of the plan, the person’s work ethic and trustworthiness, and if he/she will be able to pay back the loan. We also have business professionals review the proposal and give us feedback. If the plan is approved, we then recruit donors to give a small loan to help start their business. We walk alongside the entrepreneur in the process, create a payment plan and hold them accountable to pay back their loan through a contract. We also charge an interest rate of 5-10%, which is much lower than the 16-20% that local banks charge. When the money is repaid, the principle plus the interest go into an account and are available to be given to the next loan recipient.

Micro Loan Testimony:  Thanks to a donor who gave a small business loan through Ndoto, Lillian, our girls dorm mom, was able to buy a sewing machine, fabric, and other necessary materials to start her own tailoring business. Lillian is specializing in school uniforms and is remarkably talented! Just a couple of months in to her loan, Lillian payed one lump sum that covered several months because her business was doing so well! She is making great progress and is not only able to provide for her two children, but she also can help her mom and other relatives!

Lillian with her son Ray and the sewing machine she bought with her loan!

Lillian with her son Ray and the sewing machine she bought with her loan!

Starting Businesses

We want to create local jobs for people who need them as well as use the profits to help Ndoto be less reliant on Western funding. Working hard and earning a decent wage is empowering, dignifying and freeing, and we want to offer that hope and help to the people of Obunga so they can be the change in their community.

Helping Students Find a Job/Networking 

We not only want our students to be educated and discipled, but we want them to succeed after school. The last thing we want is a group of well-educated Ndoto students who cannot find jobs, so we are committed to assisting our students find employment after they graduate.

As is true in most of the world, connections and networking are critical in the job search. We build connections with companies around Kisumu and help bridge the gap for our graduated students as they seek internships and full-time positions.

  • Improved local economy


    Ndoto students are using their education and financial assistance to create jobs and relationships in the community.

  • More job opportunities


    Ndoto students are using their educations and loans to create businesses and opportunities for future workers, many from Ndoto.

  • Local company networking


    Ndoto builds connections within the Kisumu community to create strong working relationships and networks in business.

Develop:


“Then they will rebuild ancient ruins, raise up the former devastations; and they will repair the ruined cities, the desolations of many generations.”
Isaiah 61:4