Business Plan of

158 Roadrunner Avenue

New Braunfels, TX 78130

Telephone: 830-609-8820
Fax: 830-629-0357

www.hopeventuresinternational.org
info@hopeventuresinternational.org

Directors:

Stephan W. Smith
Michael V. Molz
Scott L. Tjernagel
 Table of Contents

I. Executive Summary …............................................................................. 3

II. Vision and Mission Statement …………………………………………. 5
III. Organization Overview ………………………………………………… 5
IV. Program Services ………………………………………………………. 6
A. Business Development ……………………………………………… 6
B. Community Development ………………………………………….. 9
C. Education and Awareness ………………………………………….. 9
V. Marketing / Fund Raising ……………………………………………. 10
A. Target Goals ………………………………………………………… 10
B. Target Market …………………………………………………..…… 11
C. Strategies ………………………………………………………........ 11
VI. Management Plan ……………………………………………………... 12
A. Board of Directors ………………………………………………….. 12
B. Public Relations …………………………………………………….. 13
C. Financial Management and Accounting ……………………………. 13
D. Outside Volunteers ……………………………………………..….. 14
E. Strategic Alliance ………………………………………………….. 14
VII. SWOT Analysis ………………………………………………………. 15
A. Strengths …………………………………………………………… 15
B. Weaknesses ………………………………………………………… 16
C. Opportunities ………………………………………………………. 16
D. Threats ………………………………………………………….….. 17
VIII. Financial Plan ………………………………………………………….. 17
A. Revenues ………………………………………………………........ 17
B. Expenses …………………………………………………………….. 17
IX. Operations and Logistics ………………………………………………. 19

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I. Executive Summary

The vision of Hope Ventures International is active peacemaking and societal

stability through economic and community development. Hope Ventures International
strives to actively encourage peace and stability in developing nations through economic
development, which will offer individuals the dignity of employment. As a result of
employment, family and community life will be enhanced, strengthening the social and
economic structure of the region. The goal of Hope Ventures International is to help
establish sustainable businesses in conflict areas of developing countries.

Hope Ventures International offers three services: business development, community

development, and education and awareness. Each service is inter-related and fulfills the
vision of peacemaking through economic development. The major program, business
development, is achieved through business training and low-interest business loans to
high impact local businesses. Community development is done in cooperation with the
recipient business and the local community leaders. Through personal and public
interaction, in-country visits, and education projects such as documentaries, Hope
Ventures International staff will promote awareness of the issues facing those living in
conflict areas and foster reconciliation efforts.

Implementation of the major program of the organization involves the following

steps:

I. Target communities within conflict areas of the world are chosen by

the Board of Directors.
II. Relationships are formed with personnel on the ground in these communities.
III. Business training to promising individuals is offered as needed to
empower start-up businesses.
IV. Business plans are created by these individuals and reviewed by the
Hope Ventures International review board of business professionals.
V. Viable businesses meeting the criteria of the organization are given
low-interest loans to start or grow into a business with high beneficial
impact within the community.
VI. During the repayment period of the loan, subsequent business training
is offered as needed.

Hope Ventures International, Inc is a 501 (c) (3) tax-exempt organization chartered
in the state of Texas. It is located at 158 Roadrunner Avenue, New Braunfels, TX
78130. The organization was founded in September 2007. Hope Ventures International
was founded and is run by a group of business people and non-profit professionals.

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Each of the leadership team has over twenty years of experience in either non-profit
management, manufacturing, or small business management.

Hope Ventures International is funded through the generous donations of

individuals, foundations, and corporations.

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I. Vision and Mission Statement

The vision of Hope Ventures International is active peacemaking and societal

stability through economic and community development.

Hope Ventures International strives to actively encourage peace and stability in

developing nations through economic development, which will offer individuals the
dignity of employment. As a result of employment, family and community life will be
enhanced, strengthening the social and economic structure of the region.

Ethically and socially responsible businesses with large numbers of employees can
positively influence a society toward peace and justice through providing opportunities
for individual prosperity and community development. Hope Ventures believes that the
dignity of employment brings stability that counters the voices of despair and violence –
often fostered by unemployment, poverty, and injustice. One of the most powerful
responses to the forces of unrest and radicalism within conflict areas is to build an
economically stable society based on just principles. Bright entrepreneurs in many
conflict areas are most often hindered not by a lack of creative ideas, but by a lack of
capital and training. As a consequence, large-scale unemployment results in a loss of
hope and an increase in desperation. Opportunities exist to encourage new or existing
businesses through training and resources that will positively and successfully impact
the stability of that society, culture or community through economic and community
development.

The goal of Hope Ventures International is to help establish sustainable businesses in

conflict areas of developing countries. Economic development is fostered through Hope
Ventures International business training and low cost business loans to new or existing
high impact businesses that can influence the stability of a community. High impact
businesses are defined as those which have the potential to create employment of at least
25 individuals either within the business or through ancillary businesses. Community
development is achieved through the investment of the returns from the loans back into
the community through development projects.

II. Organization Overview

Hope Ventures International, Inc is a 501 (c) (3) tax-exempt organization chartered
in the state of Texas. It is located at 158 Roadrunner Avenue, New Braunfels, TX
78130. The organization was founded in September 2007 in response to the opportunity
and need for peacemaking through economic development in conflict areas of the world.

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 The primary objectives of the organization are:
VII. Economic development in conflict areas through business training and low-
interest business loans to high impact businesses.
VIII. Community development through the investment of returns on the loans into
the target community.
IX. Education and public awareness of the needs of conflict areas.

The focus of the Hope Ventures International business training and business loans is
high impact businesses. As opposed to micro-enterprise (businesses that aid individual
families), high impact businesses are those that have the potential to create employment
of at least 25 individuals either within the primary business or through ancillary
businesses.

III. Program Services

Hope Ventures International offers three services, business development, community

development, and education and awareness. These services are inter-related and
together fulfill the vision of peacemaking through economic development.

A. Business Development
Within the confines of chosen target communities, Hope Ventures International will
offer business training and low-interest loans for new and developing businesses.

1. Criteria for the target community: The target communities will be chosen by
the Board of Directors based on the following criteria:
a. Each community will be located in areas of conflict or in areas of political
and or social instability as determined by the Board.
b. Each community will be located in a developing nation where an influx of
economic development can be a stabilizing factor. It is recognized that
in some conflict areas economic development would not bring stability.
The Board will use current U.N. data and other relevant sources to aid in
the selection of appropriate target communities.
c. As a general rule, countries sanctioned by the U.S. Treasury’s Office of
Foreign Assets Control will not be considered. Should a significant need
arise in one of the sanctioned countries which the Board has opportunity
to impact, the appropriate licenses will be obtained.

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2. Business training: Hope Ventures International will offer business training to
prospective business applicants in the areas of business ideas, business plan
development, business start-up methods, capital generation, and basic
management and leadership skills. Business training will be mandatory for
recipients of the low-interest loans. Assessments of the needs of the recipient
businesses will be made during the process detailed below. Training will be
tailored to fit the identified needs of the recipient business. Topics of training
include:

a. Business planning
b. Business start-up
c. Forecasting
d. Ethics
e. Personnel management
f. Strategic planning
g. Supply chain management
h. Operations management
i. Financial management
j. Capital generation
k. Community development
l. Marketing

A team of business professionals will be recruited as volunteers to do the on-

site training in each target community. Each team member will be responsible for his
or her own expenses during the training. While each team will consist of volunteers,
each member will be vetted to ensure agreement with Hope Ventures International’s
goals and assessment of the needs of the community.

3. Low-interest business loans to qualified applicants: Low-interest business loans

will be offered to qualifying start-up and existing businesses within the target
communities. Each loan will be tailored to fit the needs and circumstances of
the individual businesses. General criteria for the business applicants as well as
general loan policies are as follows:

a. All successful applicants for the loans will have met the following general
criteria:
i. The business must be located in a target area as defined under target
community criteria.
ii. The business must have a potential to create at least 25 jobs either
directly or indirectly through creating a need for ancillary industry.

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 iii. The business must submit a clearly written business plan for approval
by the Hope Ventures International review board of business
professionals.
iv. The business must be viable and show a potential for profit.
v. The business must be legal.
vi. Neither the business owners, directors, management, nor employees
may be identified on the U. S. Department of Treasury’s Office of
Foreign Assets Control list of Specifically Designated Nationals.
vii. The business must demonstrate a commitment to ethical, fair
employment practices.
viii. The business must be sustainable and its owners display genuine
long-term intentions.

b. In addition to meeting the above requirements, each business applicant will be

evaluated on its:
i. Ownership / Management Plan
ii. Capitalization Plan
iii. Market Research / Marketing Plan
iv. Current Financial Position.

c. Loans will be structured individually for each business opportunity. Each loan
structure will be developed using the following guidelines.
i. The interest rate for each loan will be half of the rate offered within the
target community for a similar business.
ii. Whenever applicable due to size and circumstance, the loan will be
structured to distribute the funds in a series of draws. After the initial
draw, each successive draw will be given based on achievement of
clearly defined benchmarks.
iii. Repayment of the loan will be expected as quickly as possible. The
length of each loan will be determined by the business’ projected ability
to repay, but may not exceed 10 years.
iv. Each loan will include appropriate terms to define procedures in the
event of default. These terms will be determined based on the target
country’s laws. If applicable, any collateral for the loan will be clearly
defined in the terms.
v. Hope Ventures International will seek to obtain default insurance for
each loan, if financially feasible.

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 d. The success or failure of the loan program will be evaluated for each loan
independently, based on specific targets for each business venture. The
following general criteria will be used in this process:
i. Timely repayment of loan
ii. Job creation within the community either directly or through spin-off
businesses.
iii. Community development progress.

B. Community Development
Hope Ventures International believes that economic development can have an
impact on a community both directly and indirectly, indirectly through providing jobs
that benefit families, which in turn benefits all service businesses within the community
(i.e. markets, stores, etc). We also believe that there should be a direct impact into the
community from the business through community development programs. This attitude
of giving back to the community in a tangible way will be one of the major focuses of
our training.

In order to set the example for our recipient businesses, we will commit a large
portion of the interest paid on each loan to community development within the target
community. These funds will be disbursed by Hope Ventures International personnel
for projects within the community that have been chosen after consultation with the
recipient business leaders and community leaders. All projects will be performed in the
name of the business and Hope Ventures International.

Personnel will be recruited as needed to give oversight for the various projects.
Hope Ventures International will be developing a management team that will oversee
the community development aspect of the organization. On-site managers will also be
recruited to work closely with local advisors. It is our hope that these managers can be
recruited from World Indigenous Missions (See “Strategic Alliances”) personnel and
that they will raise their own support for their personal expenses.

C. Education and Awareness

Public awareness and education are a key part of the vision of Hope Ventures
International. Interest and involvement in our projects depends on public awareness of
the issues of peace, stability, and reconciliation within the target areas. Due to the
diversity of methods available to the organization for education and awareness, it would
be impractical in this document to limit the organization to a few methods. However,
the following list specifies the initial focuses of our education and awareness programs:

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 1. On-site visits: Trips will be arranged for groups or individuals to visit the target
countries/communities allowing exposure to the issues on a personal level.
These trips, led by Hope Ventures International personnel, will serve the purpose
of exploring issues and challenges facing both sides of the conflict within the
target community. They will lead to a better understanding of how to work
toward reconciliation within the target community and how economic
development can positively impact the area.

2. Website / blog: As well as a marketing tool for the organization, the website,
www.hopeventuresinternational.org, will be used for information purposes.
Information detailing on-going and future projects, both economic and
community development, will be available on the site. General information
concerning the regional issues that affect peace and stability will also be
included. A blog site will be established as a marketing and information tool as
well.

3. Public / private meetings: Hope Ventures International will actively seek

opportunities to host or participate in public meetings and forums that pertain to
the organization’s vision. In addition, our personnel will pursue opportunities for
meetings with individuals, small groups or organizations sympathetic to the
causes of the Hope Ventures International for the purpose of awareness,
education, and support.

4. Media: Hope Ventures International will create and produce informational

material using all applicable media including brochures, editorials,
documentaries, etc.

V. Marketing / Fund raising

A. Target Goals
1. Initial start-up: $30,000
a. Development of promotional materials
b. Fundraising / marketing expenses
c. Relationship / contact development within the target countries

2. Target capital budget: $270,000 for 2008–2009

a. Program Expenses
b. Administration Expenses
c. Marketing Expenses

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B. Target Market
Our marketing plan will pursue fundraising in the following market segments:
1. Corporations: Grants from large corporations will become more available to the
organization as it achieves a proven track record of success. We hope to receive
up to 50% of our funding from this segment once the initial stages are complete.
2. Foundations: Hope Ventures International will seek funding from foundations
and other grantmakers whose criteria are consistent with our vision. We hope to
procure up to 20% of our funding from this segment.
3. Individuals: Like-minded individuals and small businesses will be approached
for funds. In the initial stages these donations are expected to be the major
portion of our support. Eventually, we hope to raise 15% of our funds from this
segment.
4. Government funding: As the organization grows in recognition, some
government grants may become available to us. Because of various restrictions
on these funds, we do not plan to seek heavily in this area. We hope that this
segment will produce 15% of our funds.

C. Strategies
1. Initial start-up: Our initial start-up plan will be to take a grass roots approach
through “word of mouth” advertising and Internet marketing. At the same time
we will work toward connections with several wealthy individuals (primarily
business professionals and business owners) to give large donations as seed
grants. These donors will come through networks we already have in place and
are developing. We anticipate smaller gifts (up to $1000) from the general
public via the website and Internet tools.

2. Target capital budget: After the start up phase of fundraising, the focus will
shift to procuring the finances needed for operating, program and marketing
expenses. Our target capital budget for 2008-2009 is $270,000. We will be
working toward grants through foundations, public and private, local and
national, whose defining criteria is compatible with the goals of Hope Ventures
International. Corporate donations will be pursued, particularly among
corporations who identify themselves as focusing on the issues addressed by
Hope Ventures International, and among local corporations. We expect to be
able to attract more corporate donors as Hope Ventures International develops a
history of successful business loans. A sales strategy will be developed using
phone calls, email, letters, and personal visits with identified corporate
philanthropy officers.

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 3. Specific strategies that are being pursued at this point include:

a. Expressing the need of the target area through “story.” This is designed to
make a compelling presentation for Hope Ventures International that will
stand out from other appeals for funds.
b. Producing a short film (5-8 minutes) depicting the story in cooperation with
Under the Oak Productions (see “Strategic Alliances”). The film will be
mass-produced for broad distribution.
c. Presenting a business (real or mock-up) to describe the expected positive
impact from a Hope Ventures International business loan.
d. Developing internet marketing strategies (including website development)
e. Hosting “meet and greet” gatherings
f. Planning one-on-one meetings
g. Facilitating business-to-business meetings

VI. Management Plan

As a non-profit corporation, Hope Ventures International is controlled by a Board of

Directors. At this time, the Board of Directors consists of three members, Stephan W.
Smith, Michael V. Molz, and Scott L. Tjernagel. While the by-laws only require three
members to the Board, the Board will be expanded to at least 5 members in the future.

A. Board of Directors

1. Stephan W. Smith: Steve has spent the last 25 years working with and managing
non-profit organizations. He is the current Director of Operations and is on the
Board of Directors for World Indigenous Missions, Inc. He is the Executive
Director of Bethlehem Bible Co., a non-profit agency serving the needs of
Bethlehem Bible College in Palestine. He holds an Associate Degree of Applied
Science in Civil Engineering Technology from Guilford County Community
College and is currently obtaining his Bachelor of Science degree in Business
Management from Southwestern Assemblies of God University. Steve has
lived in the Philippines and in Sri Lanka and travelled extensively outside of the
U. S. Steve and Marianne, his wife of 28 years, are the parents of four adult
children.

2. Michael V. Molz CPIM, CSCP: Mike is a recognized business leader having

held several management positions in nationally and globally recognized
companies. In addition to his more than 20 years experience in logistics and
manufacturing management, Mike holds professional certifications through the
American Production and Inventory Control Society as a Certified Production

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 and Inventory Manager and a Certified Supply Chain Professional. Mike is also
trained in the area of Six Sigma and has been awarded a Green Belt designation.
His educational background includes a Bachelor of Science Degree in Aerospace
Engineering from the University of Missouri – Rolla and a Masters Degree in
Management from Webster University, St. Louis, MO. Mike is currently a
LEAN Area Leader for a major aerospace company. Mike and Paula, his wife of
over 25 years, are the parents of three girls.

3. Scott L. Tjernagel: Scott has served River City Vineyard Community Church
since 2002 as church planter and lead pastor. The church has a strong emphasis
on community and missions. Scott has traveled in recent years to Mexico, Chile,
the United Kingdom, and France to encourage international church planting and
growth. He and his family were introduced to ministry in conflict areas by
participation in the Reconciliation Walk (see “Strategic Alliances”) in 1999 with
a visit to Israel and Palestine. Scott graduated from Dallas Theological Seminary
with a Masters of Theology in 1981. He received a Bachelor of Arts Degree in
Government from the University of Texas in 1975. Since 1971 he has served the
ministry of Young Life, T Bar M Sports Camp, Mission Valley Bible Church,
and the Vineyard. Scott and Susan, his wife of 32 years, have three children.

Along with the Board of Directors, the following personnel are currently working for
Hope Ventures International:

B. Public Relations

1. Marianne Smith: Marianne has worked in the areas of education and cross-
cultural indigenous leadership training with non-profit organizations for 22
years. Marianne has extensive experience in organizing, training for, and leading
international aid, education, and awareness trips. She worked in Sri Lanka
assisting in health care and children’s aid programs, and in the Philippines
focusing on indigenous leadership training. With a Bachelor of Arts Degree in
Christian Education from High Point University in High Point, NC, her teaching
experience has extended from early childhood education to adults. Currently she
serves as Director of Training of an international non-profit organization
developing and overseeing a holistic training program for cross-cultural leaders.

C. Financial Management and Accounting

1. Paula Molz: Paula attended the University of Missouri - Rolla and has over 20
years experience as a Certified Financial Counselor with the Air Force. Paula's

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 financial expertise has expanded from military personnel through local
government, where she served as a city clerk, into the non-profit arena. She has
over 15 years experience as a bookkeeper on multiple accounting programs, and
is currently employed as a bookkeeper at an international non-profit
organization. Additionally, she has worked as a loan officer, and has experience
leading trips and tours as owner of her own travel agency.

D. Outside Volunteers

1. Advisors: The organization will recruit advisors to work with the Board in
developing policies and strategies that will maximize the impact potential of
each dollar donated. Advisors will be sought from, but not limited to, the
following areas of expertise:

a. Finance
b. Business management
c. International law
d. Business education
e. Marketing
f. Media

2. Review board: Business professionals will be recruited to serve on a review

board on a volunteer basis. This board will review submitted business plans
for viability and agreement with other criteria.

3. Training team: Volunteers with proven business experience who agree with the
philosophy of Hope Ventures International will be sent in teams to train the
recipient companies in recognized business practices. These teams will also
offer general business training to the target communities as needed. The teams
will be led by Hope Ventures International personnel.

E. Strategic Alliances

At the time of this writing, Hope Ventures International is aligned with the following
organizations. The purpose of each alliance is noted.

1. Enoff Associates Ltd. is a consulting firm based outside of Washington, D.C.

They have given extensive financial and management consultations for various
governments and international entities around the world including the World
Bank. They serve Hope Ventures International in an advisory capacity.

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 2. World Indigenous Missions is a non-denominational, missionary sending
agency. Steve Smith is a member of the Board of Directors. Their vision is to
place and service missionaries globally. This alliance gives Hope Ventures
International opportunities to recruit volunteer personnel for on-site positions.

3. Bethlehem Bible College is a Christian university located in Bethlehem, West

Bank. Steve Smith oversees their U.S. based non-profit operations. This
alliance gives Hope Ventures International access to local and regional contacts
and expertise throughout the West Bank and in other parts of the Middle East.

d. Reconciliation Walk is an organization whose vision is to bring peace,

stability, and reconciliation in the region of the world that corresponds with
the path of the Crusaders. This alliance gives Hope Ventures access to
regional expertise, local contacts, and to opportunities to recruit volunteer
personnel for on-site positions.

e. Under the Oak Productions is a film and video production company founded
in 2005 in New Braunfels, TX. It was started by Jake Rutherford and
Benjamin Smith. Under the Oak began with the vision to create new and
inspiring films and documentaries that shed new light on our world today.
UTO uses its film and video talents to create media projects big and small.

VII. SWOT Analysis

A. Strengths
1. Passionate commitment: The management team is driven by a passionate
commitment to reconciliation, peace, and service that is grounded in their
Christian faith.
2. Non-profit management experience: The management team has over 20 years
experience working in the nonprofit arena. At least 10 of those years have
been in direct management of a non-profit organization.
3. Business management / manufacturing experience: Members of the
management team have over 15 years of business experience. This experience
comes from business office/administration, small business
ownership/management, and assembly line manufacturing.
4. International contacts and cross-cultural experience: The management team
has over 20 years experience working in an international setting. Most of the
members have lived internationally for extensive periods and all have travelled
to various countries around the world. The management team has experience

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 interacting with people from different cultures and understands the problems
inherent in cross-culture environments.
5. Low overhead: At this stage the organization has a low percentage of fixed
expenses. The office and all equipment are free to the organization. While this
will inevitably change, this situation is a strength for the organization at
present.

B. Weaknesses
1. Experience: The management team is weak in finance and loan experience.
Each member has experience with personal loans and some members
understand business loans from the borrowers’ perspective. None have
experience from the perspective of the loan company. The organization is also
weak in international law experience. Because of the contractual nature of
loans, recruitment of personnel with experience in these areas will be vital to
the organization.
2. Cultural differences: Each culture will present its own challenges in
relationships and agreements. The potential for cross-cultural
misunderstandings as well as the potential for deception is great. The
organization will need to identify trustworthy advisors, preferably nationals,
familiar with the cultural context of each target community.
3. Capital: As a new organization, Hope Ventures International does have a lack
of capital. This should be seen as a solvable weakness as the marketing plan is
implemented.
4. Name recognition: A significant weakness of any new organization is name
recognition. Appropriate marketing will be required in this area to develop the
name of the organization.

C. Opportunities
1. Relationships: The international experience in the organization has created
opportunities through contacts and relationships that have been made.
International endeavors depend to a large extent on relationship. The
management team has a long history of foreign relationships.
2. Tax Exemption: The 501(C)(3) status of the organization creates opportunities
for individuals who might want to help in conflict areas but are not willing to
invest in these areas. Our tax-exempt status gives such donors a tax benefit as
well as a chance to impact a conflict area.
3. Lack of competition due to specific target niche: Even though several
organizations are heavily involved in “micro-loans,” few private, non-profit
organizations offer low-interest loans to larger businesses in conflict areas.
This opportunity defined the need for our organization.

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 D. Threats
1. Defaults: The ability of a business to repay a loan is crucial to the operation of
the organization and therefore represents the greatest threat to the organization.
A default would mean the loss of capital for the organization causing increased
needs for fundraising. One answer to this threat could be loan insurance. Each
loan will be examined for potential risk and cost effectiveness of insurance.
2. Government intervention: One uncontrollable threat facing the operations is
the response of foreign governments and the changing stability of
governments. It will be important for the organization to develop close
relationships wherever possible with people within the local government.
However, this will not alleviate all of the threat from an unstable or hostile
government. Insurance, as mentioned above, could be an answer in this case as
well.
3. Non-profit saturation: There are many organizations competing for donor
funding. It is important to recognize this fact and to tailor marketing plans so
as to differentiate our vision and message from other non-profit organizations.

VIII. Financial Plan

A. Revenue
The scope of the financial plan will be dependent on the revenue generated and the
needs of both administration and program expenses. The primary sources of revenue
are:

1. Donations and grants

2. Interest from the low-interest loans (Example: A $75,000, 10-year loan at 3%
interest will yield approximately $2000 in interest revenue the first year.)
3. Interest from money market account or other appropriate investments. (These
investments are made with funds held in reserve for subsequent loan
disbursements.)

B. Expenses
The primary sources of expenses are categorized as follows:

1. Start-up: $30,000.00 projected

A. Media
a. Website
b. Brochures

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 c. Promotional DVDs

B. Public relations
a. Travel
b. Meetings/entertainment

C. Office
a. Supplies
b. Non-profit registration

D. Target country travel: Travel to the first target country, Palestine, for the
purpose of identifying acceptable businesses for the loans will be
included as part of the start-up costs. Future target country travel will be
included in the program costs.

2. Operations: Projected $45,000 in 2008–2009 (20% of the program expenses.

This percentage will shrink as the organization becomes established.)
A. Staff: During the start-up phase, volunteers will staff the organization.
As the operations and revenues increase appropriate staff will be hired.
B. Supplies
C. Marketing / Fundraising
a. Travel
b. Media
c. Supplies
d. Entertainment

3. Program: Projected $225,000 in 2008–2009

While the size of each specific loan will depend on the recipient business, the
average loan is projected to be between $50,000 and $100,000 especially in the
early years of the organization. The plan of the board is to work with three
recipient businesses in 2009. This plan requires $225,000 in capital for an
average loan amount of $75,000. The success of the fundraising plan and the
specific size of the recipient business loans may alter these estimates. Program
expenses will be as follows:
A. Travel
a. Research perspective target countries
b. Locate qualified recipient businesses
c. Loan-related visits to target businesses – closure of loan, follow-up
and reporting of activities, community development.
B. Loans: between $25,000 and $500,000

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 C. Business training
D. Community development: Donations and interest income from the loans
will be used for community development projects chosen in agreement
with recipient business leaders and local leaders in the target
communities.
E. Public awareness projects

IX. Operations – Logistics

During the start-up phase of the organization, most of the logistical support for the
organization will be provided on a volunteer basis by the Directors. The office is in the
home of the President. The Directors’ personal computers and printers are being used at
present for all office functions. Once the organization grows beyond this capacity,
assets will be either purchased or rented to meet the needs of the office staff.

Donations in the form of cash, check, credit card, and e-check can be received and
processed. On-line donations are available through the website. Bank accounts and
credit are established with JP Morgan Chase.

The logistics of each loan and community development project will depend upon the
specifics of the location. Where possible, funds will be transferred through
internationally recognized banks.

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