Here is how it works.  We find a trustworthy person in a needy community that we have developed a relationship with that has an idea for a sustainable source of income.  They have a great idea, the skills to execute, and good standing in their community but they lack the capital necessary to launch.  We agree on realistic repayment terms and provide a 0% interest loan to them.  We monitor progress and receive repayment in a bank account local to their region.  When a project is repaid we roll the funds to a new project.