GIVERS LEAGUE INTERNATIONAL (a 501c3 nonprpofit organization classified as a public charity by IRS)

idea by microforwards

Applicant Name

First and Last Name:

Sherine Fernando

Website

:

http://www.giversleague.org/

What inspired your idea?

:

During my bank days I was burdened with the injustice the poor faced simply because they could not prove their credit worthiness. Many were deprived of financial help despite the great potential they had to succeed in their humble business ventures.Even if they were approved extremely high interest rates were charged to cover anticipated risks; this happens in the microfinance sector too because they cover the risk for default loans by charging very high interest rates from the good payers. Banks don't do that. Injustice only for the poor. After much research/brain storming I found a solution.

What’s your social impact business idea?

:

Its an affordable finance product called ‘Micro Forwards’ (MFs) which the poor can make use of for their humble business start ups, expansions or vocational training costs leading to guaranteed employment
Purpose -is to help the deprived poor become self reliant, provide for their families, and also enable them to give forward to help other deserving people in their own communities
Features -Receivers become Givers themselves by giving in 24 mthly installments the principal amount received. Such ‘give backs’ are pooled to fund new MFs to be given forward to others in their same communities. Recipients also got to put the MF to best use and make a reasonable profit.They are also expected to remain as Givers of whatever tiny amount possible even after they give back the full principal

What is your impact and how is it relevant to the business?

:

The project is a revolutionary one expected to make a huge impact and it is already recognized by the deserving poor as an affordable financing tool which they can accept without any fear of defaulting.
Whoever we have contacted so far to have cell partnerships all like this concept as according to them there are so many financially handicapped people unable to borrow because of the extremely high interest rates quoted to them locally. Most poor people want to build their own communities as it is in their long term interest to have better living conditions.
I am so confident that this program will catch up and spread faster across the world like no other had done before.

How will you establish sustainable impact in the locations you wish to serve?

:

There is a powerful forward moving action in this system of giving because every dollar given is returned and given forward. The continuity is possible because the receivers themselves become givers by giving forward from their productivity. Further, the benefits to their community through this continuous giving action is well explained to them, and it is only on their agreement to be actively involved in this program qualifies them to be recipients of micro forwards. They are also strongly encouraged and motivated to continue giving just a $1.00 or $2.00 even after they fully finish giving back the micro forward amount they received
There is continuation for every seed nothing is wasted

What does success look like, including measurements and reporting on the business and your impact?

:

The ever increasing number of success stories is a good measurement of success. We will be keeping statistics of the following numbers for our own records and for donor information which are all success measuring scenarios
1. Number of countries reached
2. Number of cells formed in each country
3. Number of families who benefited and became self reliant
4. Number of new jobs created
5. Number of children of the families who succeeded
6. The percentage of successful give backs (the success rate versus defaults) – currently we have a 100% success rate, we strive not exceed the default rate above 2% when our exposure is at very high levels even.
7. Country-wise numbers of all the above

What would $50,000 mean for your business? And how will it help your company better reach its goals?

:

$50,000 will help us to fund 100 to 150 micro forwards. Our micro forward requests usually range from $250 - $500 per each application. We were receiving around 15 applications per week and we had to request our cells to slow down because we did not like the applicants to wait expectantly for their money when we were finding it difficult to fund all at such a fast rate especially because we had started this organization not very long ago.
Within a few months of operation, we have made great success, and we would have continued at a faster rate if we had more funding in place. Therefore $50,000 will be a great blessing that we can put into best use as we have many pending applications

Discussion
97 Pink-talk-bubble-tail

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Goodday To EveryOne,

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by slivinumarko
11 days ago | Reply

Greetings to the entire public,
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by slivinumarko
11 days ago | Reply

Good day.

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by slivinumarko
11 days ago | Reply

MY TESTIMONY FROM A LEGITIMATE MONEY LENDER

Have you been looking for a loan?Do you need an urgent personal or business loan? Contact Slivinus Marko Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300,000.00.. Feel free to contact the company for a genuine financial service. Email: slivinumarko@yahoo.com .He is a trust worthy man. CONTACT HIM TODAY: slivinumarko@yahoo.com AS HE IS DYNAMIC,TRUSTWORTHY AND 100% RELIABLE......

by slivinumarko
11 days ago | Reply

Dear Sir/Ma

I am direct to a project Funder who is also known as private lender they specialized in bank instrument lease and sales their funds is purely earned from private and corporate investment portfolios without criminal origin.With the group capital fund which are specifically for lease/sale in form of bank instrument. The Financial institution can finance your signatory projects such as Real Estate Development, Aviation Service, Agriculture Finance, Petroleum Importation, Telecommunication, construction of Dams or Bridges and all kind of projects.

The bank instrument can be use for purchase of goods from any manufacturer irrespective of their location. It can also serve as collateral with any bank in the world to secure loan for your project or to establish line of credit with your bank. We offer Bank Guarantee , all are issue from AAA Rated bank such as Deutsche Bank, HSBC Bank, UBS Zurich, Barclay's Bank , Standard Chartered Bank E.T.C. For more information, Endeavour to contact me as your convenient time.

Regards
RAMESH SUBRAMANIAM IYER
Contact: rsi.leaseconsult@gmail.com
Skype ID: rsi.leaseconsult

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12 days ago | Reply

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3 months ago | Reply

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3 months ago | Reply

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Give credit to individuals,companies and industries with an interest
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application form below and send it to us so that we can begin the
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edzardloans@gmail.com

The application form for a loan.

Full name:
Age
Sex:
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city:
Occupation:
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Mobile Phone Number:
Loan Amount needed:
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Purpose of Loan:
Monthly Income:

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Thanks
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by Lightning
3 months ago | Reply

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I am head of transit here in Cotonou Benin Republic in West Africa and I am looking for a prospective buyer for the bulk of our alluvial gold dust.

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by AvitInvestment
3 months ago | Reply

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by AvitInvestment
3 months ago | Reply

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by loanoffer637
3 months ago | Reply

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Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
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Interested people should please contact us on
For immediate response to your application, Kindly
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Please, do provide us with the Following information if interested.
LOAN APPLICATION INFORMATION FORM
First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
City:
State/province:
Zip/postal code:
Country:
Phone:
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us.....
creationfinance00@gmail.com

by loanoffer637
3 months ago | Reply

Dear Sir/Madam, We give out loans to business people and individuals
for just 3% interest rate. "BELIEVE IT OR NOT YOU CAN GET YOUR LOANS
IN LESS THAN AN HOUR". We can give out loans ranging from US$3,000 up
to US$500,000. We give out local and international loans to any
individual/company all over the world and your rate will not change
during your loan repayment! Our Personal Loans can help make dreams
possible especially with the present financial crunch in the world at
large. We do not require much documents if you are interested in
getting a loan.To apply contact us via the email address below
Email:(asialoanfinancialservicepvt00@gmail.com) with the information below:

Please, do provide us with the Following information if interested.
LOAN APPLICATION INFORMATION FORM
First name:
Middle name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Total Amount Needed:
Time Duration:
Address:
City:
State/province:
Zip/postal code:
Country:
Phone:
Mobile/cellular:
Monthly Income:
Occupation:
Which sites did you know about us.....
asialoanfinancialservicepvt00@gmail.com

by loanoffer637
3 months ago | Reply

Good Day,

Who we are:
We are IFC Investment group United Kingdom. We have tie with top UK banks that champion the opportunity of providing financial services to clients worldwide. For many years, we have built a reputation for expertise, professionalism and results!

What We Do:
We offer specialized services to borrowers, students, career explorers, workers, businessmen, bankers,traders,importers and exporters with or without existing capitals.

Our Consulting Process:
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Our Products:
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We also open LC for our clients for their import businesses.
We issue both lease/sale BG/SBLC through AAA rated banks in the world.
We also monetize financial instruments.

Contact us now for more details Mr. Ezzatollah Kianersi
Email Address: (bgsblc.kianersi@gmail.com)
skype: bgsblc.kianersi

Best Regards
Ezzatollah Kianersi

by Ezzato
4 months ago | Reply

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by Dorenezeller
4 months ago | Reply

MY TESTIMONY FROM A LEGITIMATE MONEY LENDER My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?Contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 Tel:USA +12092314524 Tel:UK +447509546091.He is a trust worthy man.

by Dorenezeller
4 months ago | Reply

MY TESTIMONY FROM A LEGITIMATE MONEY LENDER My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?Contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 Tel:USA +12092314524 Tel:UK +447509546091.He is a trust worthy man.

by Dorenezeller
4 months ago | Reply

MY TESTIMONY FROM A LEGITIMATE MONEY LENDER My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?Contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 Tel:USA +12092314524 Tel:UK +447509546091.He is a trust worthy man.

by Dorenezeller
4 months ago | Reply

Are you an individual or business entrepreneur searching for risk capital, business angels, private investors, private capital, or venture capital for your company or business? Do you think of getting a Financial Help? Are you seriously in need of an urgent loan? DAVID HERLEY FINANCE HOME is a Private Money Lender specializing in the structuring of projects to synchronize them with funding sources to convert them into a successful reality. In DAVID HERLEY FINANCE HOME we give you fast and efficient responses for the enrichment and experience of your Project. Project Financing/Loans guaranteed to individuals or groups, with duration of not later than 10 - 20 years and a grace period of 12 additional months without any Loan Reimbursement. If you are interested in benefiting from our awesome financial plans kindly revert by sending an email or just a phone call for further information. DAVID HERLEY FINANCE HOME, Registered Office: 4093 Eastgate Drive Orlando; Florida, USA. Tel: +1 (321)-323-1809, Email: loans@dherleyfinancehome.net Skype: dherleyfinance

by david.herley.16
4 months ago | Reply

Are you an individual or business entrepreneur searching for risk capital, business angels, private investors, private capital, or venture capital for your company or business? Do you think of getting a Financial Help? Are you seriously in need of an urgent loan? DAVID HERLEY FINANCE HOME is a Private Money Lender specializing in the structuring of projects to synchronize them with funding sources to convert them into a successful reality. In DAVID HERLEY FINANCE HOME we give you fast and efficient responses for the enrichment and experience of your Project. Project Financing/Loans guaranteed to individuals or groups, with duration of not later than 10 - 20 years and a grace period of 12 additional months without any Loan Reimbursement. If you are interested in benefiting from our awesome financial plans kindly revert by sending an email or just a phone call for further information. DAVID HERLEY FINANCE HOME, Registered Office: 4093 Eastgate Drive Orlando; Florida, USA. Tel: +1 (321)-323-1809, Email: loans@dherleyfinancehome.net Skype: dherleyfinance

by david.herley.16
4 months ago | Reply

We are direct providers of fresh cut bg, sblc, mtn, bonds and cds which we have specifically for lease. we do not have any broker chain in this offer or get involved in chauffer driven offers. you are at liberty to engage our leased instruments into trade programs as well as in other project(s) such as aviation, agriculture, petroleum, telecommunication, construction of dams, bridges and any other project(s) etc you can use these bank instruments for private placement platforms, commercial loan, business loans, credit lines and much more.

For further details contact us with the below information....

Contact : Mr. Petrovic Dorde
Email: directmandate@gmail.com
Skype ID: petrovic.dorde

by directmandate
5 months ago | Reply

We are direct providers of fresh cut bg, sblc, mtn, bonds and cds which we have specifically for lease. we do not have any broker chain in this offer or get involved in chauffer driven offers. you are at liberty to engage our leased instruments into trade programs as well as in other project(s) such as aviation, agriculture, petroleum, telecommunication, construction of dams, bridges and any other project(s) etc you can use these bank instruments for private placement platforms, commercial loan, business loans, credit lines and much more.

For further details contact us with the below information....

Contact : Mr. Petrovic Dorde
Email: directmandate@gmail.com
Skype ID: petrovic.dorde

by directmandate
5 months ago | Reply

Good Day,

We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees, MTN, Confirmable Bank Drafts, Standby Letters of Credit (SBLC) and Third Party Guarantees. If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services. Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments. Leased Instruments can be obtained at minimal costs to lessor compared to other banking finance options. This offer is open to both individuals and corporate bodies. If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument. Inquiries from agents/ brokers/ intermediaries are also welcome. If you are interested in seeking to raise finance for your business/projects in this way.

For further inquiries contact
bgsblc.kianersi@gmail.com
Skype ID: bgsblc.kianersi

Thank You
Ezzatollah Kianersi

by mrkianersi
6 months ago | Reply

This is an excellent idea to help the poor, as it gets them involved in the process of helping others and makes them feel worthy. There is always a better chance for success if you have "skin in the game." Good luck, Sherine.

by hanahrabecsnyder
about 2 years ago | Reply

Yes, micro forwards gives the opportunity for the poor to feel valuable and useful in their neighborhoods. Instead of them being looked down as borrowers incurring high risk, they are recognized as givers capable of uplifting their own communities. Judging from the success rate so far, I am quite confident of a steady growth, and I do have ‘skin in the game’. Thank you for your kind positive thoughts. / Sherine

by microforwards
about 2 years ago | Reply

Yes, micro forwards gives the opportunity for the poor to feel valuable and useful in their neighborhoods. Instead of them being looked down as borrowers incurring high risk, they are recognized as givers capable of uplifting their own communities. Judging from the success rate so far, I am quite confident of a steady growth, and I do have ‘skin in the game’. Thank you for your kind positive thoughts. / Sherine

by microforwards
about 2 years ago | Reply

Traditional micro finance lending is a common practice across the developing world. Many supporters of traditional micro finance argue that repaying small loans encourages poor people to develop the entrepreneurial ethic and business savvy necessary to support small or home-based enterprises. These are indeed important skills and support from small loans can be a helpful route out of poverty for many in the developing world.

However, poor communities do not develop through the circulation of money alone. Giver's League International asks recipients to cultivate an additional awareness of their place and responsibility to their families, friends, colleagues and neighbors. Micro forwards are a novel and ambitious alternative to traditional microfinance lending; giving recipients the choice to pay their loan forward to someone else in need through giving time, training, knowledge, support or even their own products to support the work of others.

This encourages recipients to think in broader terms about improving their communities. Trust, social responsibility, fellowship and a culture of mutual assistance - apart from monetary investment - form the critical foundations for sustaining stable, safe and strong communities. I ask that you join Sherine in supporting these efforts. A little can go a long way!

by dmason34
about 2 years ago | Reply

Thank you for highlighting the broader characteristics of the micro forward concept that awakens a community into cooperative thinking paving the way for stronger and more stable communities. I would also like to emphasize the fact that the absence of the interest burden, makes it not only affordable to give back, but increases the recipients’ net income levels as well, which in turn elevates the wealth of the whole community. / Sherine

by microforwards
about 2 years ago | Reply

This idea is a very new concept in which the unfortunate can benefit from the very inception with out the burden of having to paid interest which can reduce their start up profits.
It also a blessing to them as they pursue their own goal of becoming self sufficient they can also impact
the lives of others, who they can identify with, as they begin to make their repayments - and also provide some kind of employment down the line for others.

I think this Mrs. Fernando has done excellently in following her heart's desire to bring such new conception (micro forwards) hereby, bringing great relief to the less fortunate re interest charges and simultaneously assisting them to give back to society what they have received.

by Darwin345
about 2 years ago | Reply

Thank you. I am happy that you have grasped the concept well. Having to pay an interest charge that is very much higher than the normal rates is indeed a heavy burden for poor entrepreneurs to bear. Instead, letting them carry a responsibility to be givers themselves in order to impact others’ lives is something they would cheerfully do to see their own communities benefit. You are right, finding a solution for these unfairly treated poor entrepreneurs was a heart’s desire that I had for a while, and it led to my finding this unique concept which I named as Micro Forwards. / Sherine

by microforwards
about 2 years ago | Reply

To create an opportunity to give forward is genius. I see this so much more beneficial than loans or grants. I trust there is a spiritual training component as well. The networking with already existing groups present seems to insure the feedback relationship. Mrs Fernando, I applaud you!

by emery.smith
about 2 years ago | Reply

Thank you for taking time to understand the real value of this unique concept. Under normal circumstances we can never consider the poor to be ‘givers’. It’s always the rich or the ‘Haves’ who are expected to give to the ‘Have Nots’. But just imagine how awesome the system would be if ALL begin to give ! Therefore, where the ‘Have Nots’ are concerned, instead of doing neither of the two extremes (loans or grants) which burden them with heavy debts or give them finances for free, why not strike a balance between the two and make them participants of an affordable giving forward mechanism. This is what Micro Forwards achieved – it created an opportunity for the ‘Have Nots’ to become givers too. Yes, the feedback we get from our cells abroad and the ‘giving forwards’ that have already started coming prove that this concept is a great success ! / Sherine

by microforwards
about 2 years ago | Reply

This project is really wonderful, your great ideas, your professional experience and your knowledge will definitely help you go forward.
Wishing you every success in all what you do.
God bless,
Rosanne.

by R.M.
about 2 years ago | Reply

Thank you for your encouraging words and kind wishes. / Sherine

by microforwards
about 2 years ago | Reply

This idea is a very new concept in which the unfortunate can benefit from the very inception with out the burden of having to paid interest which can reduce their start up profits.
It also a blessing to them as they pursue their own goal of becoming self sufficient they can also impact
the lives of others, who they can identify with, as they begin to make their repayments - and also provide some kind of employment down the line for others.
I think

I think this Mrs. Fernando has done excellently in following her heart's desire to bring such new conception (micro forwards) hereby, bringing great relief to the less fortunate re interest charges and simultaneously assisting them to give back to society what they have received.

by Darwin345
about 2 years ago | Reply

Any Micro Finance Institutions on average charges very high interest rate – they say monthly 3% but yearly this comes to 36% !!!! Do these schemes actually help the poor or put them in cycle/trap of poverty/debt???
The organization, Beyond Good Intentions, is committed to uncovering innovative and effective approaches to international aid worldwide and has recently made a documentary in order to catalyze a much-needed dialogue about aid effectiveness. This film reports that many micro-lending organizations charge 35-55% interest on their loan each year. Franca Chilengue, a farmer and Kiva Loan, remarks on his experience:
“The interest rate is the problem because it’s steep. We end up paying a lot of money. I am not educated, so I don’t understand much about interest rates. I asked others and they explained to me what it is and how it works…that is where I realized that it’s steep. It’s helping, but it’s not enough.”

This is why GIVERS LEAGUE IS THE SOLUTION – INTEREST FREE LOANS !! THE BORROWER NEVER EVER WILL BE IN DEBT AS HE IS CONSIDERED A GIVER FROM THE INSTANCE HE STARTS PAYING BACK – A REVOLUTIONARY CONCEPT – HERE THE BORROWER HAS MORE RIGHTS AS HE IS CONSIDERED A GIVER IN GIVERS LEAGUE ! THIS IS THE SOLUTION FOR THE POOR TO FREE THEM FROM THE CYCLE OF DEBT AND FROM THE HOAX OF MICRO CREDIT THAT DISGUISES IN HIGH INTEREST RATES PULLING PEOPLE INTO ETERNAL POVERTY!!

by shaliniSDE
about 2 years ago | Reply

Thank you for your well researched comment. The background information you have gathered quoting also a poor borrower’s own words hits the nail on the head ! It is because my research work too brought me to the same conclusion that I came up with this new MICRO FORWARDS concept. You are right, GIVERS LEAGUE INTERNATIONAL is indeed THE solution. I rest my case. / Sherine

by microforwards
about 2 years ago | Reply

Givers League International is deeply committed to helping improve the lives of men and women who struggle and work hard every day, but sadly find themselves strapped and limited by the harsh realities of poverty. These people don’t need and don’t ask for a hand-out, but they do appreciate and gladly welcome a hand-up. That outstretched hand is what GLI offers through its MicroForward program. This type of thoughtful, responsible assistance not only affirms the dignity and worth of every individual, but it lifts up an entire community with a pay-it-forward model that yields greater results by benefiting many others in need.

by jkitchel
about 2 years ago | Reply

You got it ! This is a good in-depth analysis and solid presentation. Our Vision and mission well understood. Thank you. / Sherine

by microforwards
about 2 years ago | Reply

This is an awesome project Sherine! This will have such an impact on poor families across the world!
We are very proud of you!!!

by suri1234
about 2 years ago | Reply

Thanks for your beautiful words of encouragement. Yes, it will indeed have a powerful impact in impoverished communities as already seen in the few regions we serve. / Sherine

by microforwards
about 2 years ago | Reply

This is a wonderful idea that will make the world a better place. Wishing you the best in your endeavors.

by RhubarbSpud
about 2 years ago | Reply

Thank you. Yes, the world will experience big changes if every human being understands the power of giving and sharing, and acts accordingly. Our organization strives to achieve it at least by starting from the poor man’s world first.

by microforwards
about 2 years ago | Reply

Hi Sherine,
A great project idea !. It is very rare to see someone using his/her professional knowledge and experience to help the needy. Wish you success in your endeavours.

Lani Upul

by Lani Upul
about 2 years ago | Reply

I believe that I was groomed, prepared and divinely directed for this mission that was going to be mine one day. And it was like a dream project I had in mind for a while which has finally become a reality now. Thank you for your kind thoughts and well wishes. / Sherine

by microforwards
about 2 years ago | Reply

What a wonderful idea. It's genius to have a plan where those who are helped are encouraged to give back. I see this program growing rapidly. Keep the energy moving. It's going to be very interesting to see how responsive people are and how fast the sponsorship will play forward. Best to you in your mission.

by matthew2013
about 2 years ago | Reply

Thanks for your motivating comment about this program’s growth. You are right, judging from the success rate of this operation during the last few months since we started, it is already showing signs of a rapid growth. The response from the micro forward recipients is indeed amazing ! Almost all of them who have received our micro forwards so far, have started giving back from the first month onwards without even making use of the 3 months grace period allowed. They are so relieved as the micro forward is such an affordable finance product to them compared to the traditional micro loan that makes them more indebted burdening them emotionally as well. Our cells report that our product is getting very popular and the word is spreading fast in their communities, and more and more are eager to comply with the very simple requirements and enjoy its benefits. / Sherine

by microforwards
about 2 years ago | Reply

May all your efforts be supported and helped by all concerned.

by Shiranisilva
about 2 years ago | Reply

A very thoughtful comment. Thank you. Yes, we need all the support possible to continue moving this great program forward to touch impoverished communities in every nation. We really need to strengthen the numbers of this Army of GIVERS that has started marching forward to help fight the battle of poverty that is threatening many lives all over the world. / Sherine

by microforwards
about 2 years ago | Reply

Excellent Project. You deserve all the encouragement and help.

by Lionelsilva
about 2 years ago | Reply

Thank you for your inspiring comment. All the encouraging thoughts and words that I continue to receive make me reach for higher levels of achievement. / Sherine

by microforwards
about 2 years ago | Reply

May god bless you with wonderful project that you have designed to help poor people.
Sarath

by sarathg
about 2 years ago | Reply

Yes, I believe that this project will be abundantly blessed by God far beyond my imagination. Thank you for your kind wishes. / Sherine

by microforwards
about 2 years ago | Reply

Sherene I believe in you and what you are doing. I know you will.be. a great Stewart of this grant. You are a blessing to our church. After making.g a sacrifice and putting up your own
money you will be blessed. Love you Vickie. .NEW LIFE

by joeandvickie
about 2 years ago | Reply

Thank you Vickie for your very kind thoughts and sincere blessings. / Sherine

by microforwards
about 2 years ago | Reply

What a great concept ! The recipients  are not only learning to be accountable for what they receive, but are becoming aware of the need to help each other build their own communities by 'Giving Forward' !!  This project deserves to receive the very best of donations and grants so that more and more financially struggling entrepreneurs living in depressing conditions could be given the chance to use their initiative, talents and skills to pursue their humble business ventures.  This program will spread worldwide faster than any other micro business assistance program.  I fully support and applaud this unique concept that makes lasting differences in poor people's lives, one family at a time leading to the transformation of villages and whole communities.

by SheGal
about 2 years ago | Reply

You got it ! Well said ! Thank you for taking the time to understand the concept and coming up with this positive conclusion that it deserves.

by microforwards
about 2 years ago | Reply

This project seems to be a very viable project & it is going to be a successful one and whoever does it should be encouraged.

by dots1951
about 2 years ago | Reply

Yes, it certainly is a viable project already producing positive results as posted in our website. Thank you for your very encouraging comment. / Sherine

by microforwards
about 2 years ago | Reply

So proud of you Sherine for the wonderful work you are doing. Good Luck and wish you every success.

by DHAMMIKA
about 2 years ago | Reply

Thank you Dhammika for your encouraging words and good wishes. / Sherine

by microforwards
about 2 years ago | Reply

This is an exceptional humanitarian project, financing micro businesses of poor people without making them borrowers/debtors! Instead, making them givers/donors and also members of ‘Givers League’.

Basically this organization is changing the habit of borrowing to giving.

Any loan/credit system makes people live from tomorrow’s money and therefore they are forever indebted in some way or other. It looks like Givers League International will gradually change this dangerous culture/pattern at least by starting from the poor man setting that example first.

Since the micro forward recipients after giving back what they received continue to be GIVERS of whatever they can give, this process enables the organization’s fund base to strengthen and expand. This is when the system becomes sustainable.

I fully endorse this revolutionary giving mechanism, and wish GLI every success !!

by shanekf
about 2 years ago | Reply

Thank you, Shanek. This is a very good in-depth interpretation. The mechanics of the concept have been analyzed beautifully !

by microforwards
about 2 years ago | Reply

This is a great concept and a God Idea. What a wonderful way to help the poor and also allow them to give back. I hope that this venture will grow and grow as it's participants give and give.

Barbaraaglow

by savior
about 2 years ago | Reply

Beautiful ! Yes !! it will grow and grow, and there will be giving and giving and giving !!! Thank you, Barabra. / Sherine

by microforwards
about 2 years ago | Reply

Hi Sherine ! All the very Best on this venture. Good Luck and wish you every success to take this forward.

by Roshi
about 2 years ago | Reply

Thank you, Roshi. / Sherine

by microforwards
about 2 years ago | Reply

This model would be a great help and inspiration for up and coming entrepreneurs needing financial support. It is fulfilling a dream of us ex-bankers since commercial banks rarely facilitate this kind of funding and we had to reject great proposals due to their inability to service high interest.

by harshini.andradi
about 2 years ago | Reply

Thank you, Harshi. This model really caters to entrepreneurs from impoverished communities who cannot even dream of borrowing from a bank nor are able to afford the very high interest charged by micro finance intuitions. / Sherine

by microforwards
about 2 years ago | Reply

Hi Sherine, Great to hear your latest venture and great to see a Sri Lankan Banker started this. Great Concept and wish you all the best.

by pbemmulla
about 2 years ago | Reply

This is a dream venture I had in mind for a while, turned into a reality now. I value my banking roots in Sri Lanka and also happy to recognize the career growth and the opportunities USA made possible for me. / Sherine

by microforwards
about 2 years ago | Reply

Educating woman through trade is a great seed to plant, a story to tell and carry on. I totally support this endeavor

by storytellingsun
about 2 years ago | Reply

Thank you. This program is for both men and women. Of course, it will encourage more and more women to step in and start small business ventures which will motivate the younger ones to follow after them. / Sherine

by microforwards
about 2 years ago | Reply

This charity is a huge blessing and will help many businesses to get off the ground. It is a life changer which can transform cities and villages! Minoli Haththotuwa

by epastorminoli2
about 2 years ago | Reply

Thank you, Minoli. Yes, the transformation will be revolutionary as well, because even if the giving spirit that every human being has, is dormant in some, it will automatically get ignited, and instead of carrying a debt burden, a cheerful giving forward spirit will come into being. Sherine

by microforwards
about 2 years ago | Reply

Givers League International, A boundless institution. How many of us put into practise our specialized knowledge to a great philanthropic source.
Ramona Fernando - Edmonton,CA.

Sherine, I would like to share a quote with you:

“The test of our progress is not whether we add more to the abundance of those who have much; it is whether we provide enough for those who have too little.”
— Franklin D. Roosevelt (Second Inaugural Address, 1937)

by nait
about 2 years ago | Reply

Wow ! what a beautiful quote from Franklin Roosevelt, very appropriately chosen by you to insert here. Thank you, Ramona.

by microforwards
about 2 years ago | Reply

What a wonderful concept. Great to see a person from Sri Lanka started this Thank you Sherine.

Kumar Wijesuriya - Sri Lanka.

by kumar.wijesuriya
about 2 years ago | Reply

Thank you, Kumar

by microforwards
about 2 years ago | Reply

This unique project deserves the attention and support of all rational thinkers of the world because of the following reasons
1. Any small scale financially handicapped entrepreneur with little or no credit has a fighting chance of obtaining an interest-free loan to improve his lot. I dare say that a very large number of people belong to this class.
2. If they succeed, their community benefits in many ways. Not only through poverty reduction, but via improved physical and mental health. By 'domino effect', villages, cities and countries would become better places to live in or visit... affecting the whole "Global Village".
3. Extension of the 'Habit of Giving' in cash or kind inherent in this project to the rest of the world would be a dream-come-true for most of us who yearn to see a less selfish world.
Don't you think Sherine's idea deserves the best you can offer?

by summerray
about 2 years ago | Reply

Well said, I fully agree. Thank you for taking time to spell out these valuable thoughts. Sherine

by microforwards
about 2 years ago | Reply

Good Concept - giving to the needy who have limited access to borrowing , and those beneficiaries making a contribution back -which is used to continue forward to help others who need support, in a community. This endeavor will help not only to develop less fortunate communities, but also to help them learn to be responsible and prove their financial creditability. Great community work and all the best.

by Suranjani
about 2 years ago | Reply

You got it ! I am so confident that this concept will produce great results, spread fast and make a huge difference in impoverished communities all over the world. Thank you for your good wishes too. Sherine

by microforwards
about 2 years ago | Reply

This is most certainly a divinely unique solution to help these precious people. I strongly believe that Givers League International is answer to prayer. I really like the idea of giving forward and that these families will in turn help people in the future. A guaranteed success!!!

by June Pallie
over 2 years ago | Reply

Thank you, June. Yes, there is definitely divine inspiration and guidance for this, without which I couldn’t have come this far. Already the giving forward has started and this God-given vision is successfully turning into reality. Sherine

by microforwards
about 2 years ago | Reply

Great idea. The solution is seen more positively as there is a non profit eliment which makes it easier on the borrower to achieve the financial objective. Keep up the good work.

by nalin.fernando.90857
over 2 years ago | Reply

Thank you, Nalin. Yes, because we don’t derive any interest income from what we give out, there is absolutely no pressure for the recipients to bear such a burden. Already we are getting a very good feedback about how relieved they are with our product. Sherine

by microforwards
about 2 years ago | Reply

If not for the very explanatory description this proposal portrays, most of us would have not known the injustice the poor entrepreneurs have been facing all along with the unfairly charged high interest rates on their micro loans. Congrats Givers League International for coming up with this unique solution !!

by liz.ca
over 2 years ago | Reply

Thank you, Liz. I, myself was shocked when I was doing research on micro loans to realize how high the interest rates are on micro loans that are available to the poor. When high interest rates are definitely a heavy burden on even the bigger businessmen, how could these poor entrepreneurs bear that? Yet, some of the poor businessmen opt to take such loans as there was no other better finance facility for them. When our micro forwards program gradually penetrates into impoverished communities, there definitely will be a revolutionary change seen - the borrowing concept will fade away and a cheerful forward giving concept will take over !! Sherine

by microforwards
about 2 years ago | Reply

I Strongly support Givers League International. What a massive difference it would make in someone's quality of life, which would otherwise have been just a dream. All success to the works of this wonderful organisation!

by jaci.fernando.5
over 2 years ago | Reply

Thank you Jaci for your support and encouragement. Yes, you are right. The heart-breaking stories they send us are mostly about how they have been dreaming of their humble business ventures to start living better lives, and how it had seemed impossible due to high interest rates charged if they borrowed the start-up capital. Now they are so happy and relieved that we have started this new affordable program to help them out. Sherine

by microforwards
about 2 years ago | Reply

Finally a program to do justice to the underprivileged entrepreneurs. Surely it deserves success !

by anura
over 2 years ago | Reply

Thank you. It was the injustice I observed that compelled me to start looking for a solution which was first only a dream project of mine. I am glad that I was able to make it a reality. Sherine

by microforwards
about 2 years ago | Reply

How wonderful to create loans that are available to anyone, regardless of credit! You mentioned that you have 100% success rate, thus far. If I might ask, how much money was initially distributed in those loans? How many loans have you made? What is the net worth of your loans today? How would $50K sustain the rate of demand in your market? (each person donates back $1 or $2 a month after the loan is paid off. You expect to finance up to 150 loans with the 50K. So in two years, you will receive roughly $150 -$300 a month in donations from these additional loans. So your rate of financing would be about 1 loan every 1 or 2 months. You currently have 15 applications a week.) Does your organization charge interest? or penalize late payments, etc.?

by nicole.wdisf
about 2 years ago | Reply

Nicole, you seem to have not understood the concept at all. We do not create loans or give loans; so there is no necessity to check the receiver’s credit worthiness. We call our product micro forwards, and it is not available to just anyone as you have mentioned. It is a unique affordable product available to the financially handicapped poor entrepreneurs who are unable to afford the heavy interest loaded micro loans. There is no interest component at all in our product as it’s not loans that we give. The receiver is not considered a borrower either. They become givers themselves giving back cheerfully to help others in their own communities. It is obvious that this $50K is not enough to sustain the demand for our micro forwards in the long run. However, it will be a great blessing for this initial kick off stage of our organization, and it is also for this same reason that GOOD Maker has so kindly come up with this competition to help start-ups like ours to move on to the next level. Even the way you have calculated the rate of financing is incorrect since you seem to have not understood how this operation really works. I am sorry I cannot make this reply any longer and would suggest that you visit our website. Thank you, Sherine F.

by microforwards
about 2 years ago | Reply

Pink-ribbon-award-box-icon
Award_topvotedidea
$50,000
Circle-1-inactive Step1-title-idea-inactive

Submission Began
Monday, April 22

Submission Ended
Friday, May 17
at 12:00 PM PDT

Circle-2-inactive Step2-title-voting-inactive

Voting Began
Friday, May 31

Voting Ended
Friday, June 14
at 12:00 PM PDT

Circle-3 Step3-title
TOHL
TOHL

Winner Announced
Tuesday, July 02

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