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Project information

Make a loan, change a life with is a revolutionary way in which you can use microfinance to help someone in the developing world transform their future by making a micro loan to help them start or grow their small business.

ongoing project

Charity information: CARE International UK

CARE International UK logo
  • Need


    CARE sees access to affordable financial services as central to addressing poverty and it has been promoting the provision of microfinance for more than two decades. Of the world's 500 million micro and small business owners, less than 2 percent have access to financial services and the business training vital for the success of their enterprises.

    Solution will enable people in the developed world to connect with someone in the developing world who needs a loan to start or grow their small business, working their way out of poverty.

    The whole loan goes to the entrepreneur and is paid back to the lender to be re-loaned to another entrepreneur thus being recycled.
    For this reason, we also need donations to cover the cost of running and support our wider work using microfinance to lift people out of poverty.

  • Aims

    Aim 1

    To provide microloans to entrepreneurs who want to work their own way out of poverty.


    » Facilitate the provision micro loans to poor entrepreneurs along with training to help them grow their business

    What success will look like

    Success will be...the number of people receiving a loan from and then repaying that loan showing that their business is a success

  • Impact


    To lift families out of poverty. Indicators such as;
    household income levels
    children in school
    type of housing
    employment created
    number of meals eaten per day


    * that entrepreneurs fail to repay their loans. We choose our Microfinance Institution (MFI) partners very carefully to make sure they don't encourage over indebtedness. We will work with MFIs to assist their clients in restructuring loans if necessary. the default rate so far is 0%

    That MFI partners are too profit driven. One of the criteria for which organisations we work with is that they have a very strong social mission and we do a quarterly social audit.


    Individual lenders and donors through website receive monthly emails detailing their entrepreneurs loan repayments and a narrative report during or at the end of the loan term.

    We will provide a summary report on the success of lendwithcare overall.

  • Budget

    Budget - Project Cost: £440,000

    Loading graph....
      Amount Heading Description
      £130,000 Salaries Salaries
      £45,000 training due dilligence, support & training of Microfinance Institutions
      £65,000 operational systems to facililtate the lending of funds and transfer to the entrepreneurs
      £200,000 fundraising to recruit more Lenders, every £1 spend facitilates £4 in Lending over following 2 years

    Current Funding / Pledges

    Source Amount
    Hogan Lovells £200,000 Guaranteed
  • Background


    We currently operate in Togo, Benin , Zambia, Malawi, Rwanda, Zimbabwe, Pakistan, Cambodia, Vietnam, The Philippines, Ecuador.


    Lendwithcare is operating in 11 developing countries. Those benefiting from loans are the economically active poor who have the idea to work their way out of poverty but not the acces to credit to get their idea off the ground. Over 70% of those who will benefit are women. We Lend between £250,000 and £300,000 each month which would scale up substantially with more funding.

  • Why Us?

    Why Us?

    CARE has been promoting the provision of microfinance for more than two decades through a variety of methods and at various levels as a key part of its economic activity development projects. CARE's micro and small enterprise programmes work hard to ensure that poor people around the world have access to the solid financial & business training tools and the resources they need to help lift themselves out of poverty. CARE has 131 small economic activity development projects in 39 countries

    Read more about the Charity running this project.


    Tracey Horner

    Head of

    Dr Ajaz Ahmed Khan

    Senior Microfinance Advisor

his wish is that his son should one day be able to study at the very institute where he sells dumplings everyday

Bapak Asep