Together We Are Helping People Build Better Lives

No administrative costs. Donation goes straight to the poor in Ghana. Clients repay their loans to Sabu Help to help fund new loans.

We recycle your dollar. Your dollar gives over and over again with our recycle model.

We don’t just give loan; we give the necessary skills needed for their success. Before a loan is giving out, training is provided to the clients to equipment them.  We provide training on basic business skills, bookkeeping, budgeting, goal setting, financial literacy, teamwork, concept of savings, strategic planning, business management (leading, directing, operating and controlling steps), marketing, and good decision making.
We teach accountability. We require full repayment of loans. Sabu Help serves poor people of rural communities where we expect 100 percent of clients pay back on every loan.

Our Field Director is our clients mentor. The overall goal of the Field Director (FD) is to provide ongoing guidance, training, interpretation and networking to groups and clients. We provide clients with the knowledge necessary to become self-sufficient.

Sabu Help believes that giving someone an opportunity to make a better life is a blessing. Sabu Help exist to give opportunities to the poor so they can help themselves find effective ways to produce food, earn an income, while raising healthy and happy families and build a better life. People in developing countries take pride when they realize they can end poverty through their own initiative.

Sabu Help has the following basic expectations for all Clients and Groups that seek funding. Please check off all expectations the individual and group are willing to commit to.

Agreement and Expectation of the Groups

The individual and groups who seek funding must agree to the following agreement and expectations:

Must prepare a business plan and budget proposal for all funding requests.  Proposals must include all businesses the group will conduct.  You must include in your proposal dates or approximate month of market times, or times when your group will be selling surplus for profit.  This will help determine the loan repayment schedule.   Money will not be loaned out without a repayment schedule in place.  You must demonstrate in your proposal how you will determine surplus of a product for market.  For example, if you are farming you must tell us how much food will be needed out of your crop for feeding your family, how much will be left over for replanting the following growing season, and how much will be left for selling at market.

Must invest in a self sustainable business: The business must be capable of making a profit after your personal subsistence needs are met.  Therefore, you must produce surplus food for selling at market and for replanting the following growing season.  Animals must be bred and cared for at a reasonable rate to reduce mortality rates and improve stock for better value at market.  Surplus animals must be sold in order to help payback the original loan.  Textiles must be produced at a reasonable rate in order to have enough for a good profit at market time.

Must support their group and the project goal of building sustainable businesses.  You must help the individual members of your group to make their business successful.  For example, helping each other at peak work times such as harvest, with the birthing of new livestock, getting textiles to market, etc.

Group and individual must be responsible for all individual success and failure.  If you have time to spare with your business but a group member is struggling to get work done, it is your responsibility to help them get caught up.  If they are unable to make their individual business successful and do not produce profit, you will become responsible for their share of the loan as well.  Teamwork will keep the burden of the loan minimal for the individual.

Each individual must make a monthly contribution into the group bank account and maintain the account.  This will help reduce the burden of coming up with your loan payments in a lump sum when they come due.

The group must pay back 100 % of the original funding amount received from Sabu Help.  No interest will be charged for the original amount of the loan.  Payback will consist of 17% of the original amount the first year, 35 % of the original amount the second year, and the remaining 48% of the original amount the third year. The repyment of the principle will be reloan to other clients. Farming loans will come due according to this three year scale after the time of harvest and surplus food can be taken to market.  Loans for animal husbandry come due on a three year loan after the birthing season and animals can be taken to market.  Textile loans must be repaid on the three year loan schedule following the major seasonal market times.   Groups that choose to do one or more of these businesses will have to set up a specific time with Sabu Help that will allow all the different industries to reach market.  
 

In case of crop failure, loss of herds, natural disasters, etc.  Clients must notify Sabu Help immediately.

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