Dear Friend,

“Hope deferred makes the heart sick, but desire fulfilled is a tree of life.”

– Proverbs 13:12

Throughout 2025, we witnessed the truth of this proverb in communities around the world. In the face of poverty and uncertainty, women and men continued to persevere — learning, saving, encouraging one another, and pursuing new opportunities for their families.

Our 2025 Annual Report, Resilience, is now available, and we invite you to see some of the remarkable ways that perseverance is bearing fruit.

Inside, you'll meet people like Gladence, quoted above, and Dembe, a single mother who steadily rebuilt her life through saving, learning, and eventually taking a courageous step to start a business. You'll also see how Savings Groups are creating communities of encouragement and opportunity, and how your partnership is helping sustain hope as families build more secure futures.