SALT Microfinance Solutions

SALT is an acronym for Shared Accountability, Lending, and Teaching. This CAM program reaches out to impoverished people through microloans, savings groups, and agricultural programs. Our goal is to walk alongside clients, helping them use the resources God has placed in their care and teaching them the importance of following Jesus in everyday life.

Your SALT contributions are making a difference!

Check out our microfinance dashboard to see the impact your contributions are making through microloans and savings groups. SALT is operating in Haiti, Nicaragua, Ghana, Honduras, Cambodia, Bangladesh, Nigeria, and Uganda.

SALT Clients

Microfinance Dashboard

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Loan Repayment Rate

SALT uses four unique teaching models

 

Microloan Program

Many people in developing countries want to provide for themselves, but they lack start-up capital. The microloan program takes funding from the United States and issues small loans for clients to start or expand small businesses. Clients then repay the loans as their income increases. In this way, donations are recycled to help someone else.

Savings Groups

Savings Groups simply provide structure and teaching that helps a community work together to save money so clients can take out small loans. SALT savings groups help the poor to become the solution to their own financial problems. Savings groups provide structure and teaching to help clients work together to save money. As savings accumulate, clients can take out small loans to start or expand businesses or to help provide for their needs during hard times. More importantly, the ongoing Bible-based teaching has a profound impact on group members. In some of the places where SALT operates, people are hearing the Gospel for the first time at savings group meetings.

Agri-Plus Program

The Agri-Plus approach helps farmers identify their resources and implement sustainable farming practices. Many farmers in developing countries struggle with agricultural development. While most of them have adequate resources to improve their farming practices, they often lack the necessary training to make progress.

Vocational Schools

Our goal for SALT vocational schools is to help people in underdeveloped countries develop useful, practical skills. Utilizing these skills will help people work their way out of poverty, contribute to the needs of their communities, and employ others who may not have business ownership skills.

Our first vocational school opened in Ghana in September 2016. This school focuses on auto mechanics. Initially, three students were enrolled, but the count quickly grew to five. Each day begins with a Biblical lesson, followed by a technical lesson. The students spend the rest of the day putting to practice what they have learned through hands-on mechanic work.

Microloan program
Savings Groups
Agri-plus Program
Vocational Schools

SALT uses three unique teaching models

The Microloan program uses funding from donors to issue small loans to start or expand businesses. Savings Groups simply provide structure and teaching that helps a community work together to save money so clients can take out small loans. The Agri-Plus approach helps farmers identify their resources and implement sustainable farming practices.

Countries where Savings Groups operate

Move cursor across countries for savings group information. Numbers reflect a 3-month average.

Average member equity

Value of accumulated savings per member, including growth from loans and/or investments.

SALT updates and stories

Savings Groups Starting in Ukraine

Savings Groups Starting in Ukraine

Sasha, a member of a recently established SALT savings group in Ukraine, listened intently to the Bible-based teaching at a SALT meeting. He always thought the small amount of money he earned wasn’t worth saving. “But as I listened intently about the need for...

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Needy Farmers Utilize Their Greatest Resource

Needy Farmers Utilize Their Greatest Resource

Thousands of acres of farmland lie underutilized across Ghana, Haiti, and Cambodia. If used to its full potential, this land could provide food and income for desperately needy families. Our goal for the SALT Agri-Plus program is to work together and learn with local...

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Cambodians Being Reached for God’s Kingdom

Cambodians Being Reached for God’s Kingdom

The SALT Microfinance Program is a huge blessing for the Khmer people in Cambodia. Most of these village people have very low incomes and live hand to mouth. The children grow up with no training about saving money for future, unexpected needs.

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The poorest people are not those who have few resources, but those who think they cannot help themselves.


The lessons give us wisdom, teach us to love, work on our consciences, and make us want to read our Bibles.
The richest people are those who recognize that God has a plan for them and study this plan to change their situation.


With the soil conservation program my soil is changing for the better. I can see the difference the vetiver grass is making.

MARIBEL GRENADOS FROM Waslala, Nicaragua, says the SALT Microloan program has helped her family slowly progress upward. As is true for anyone climbing out of the cycle of chronic poverty, progress is slow and steps toward sustainability are small.

MARIBEL GRENADOS FROM Waslala, Nicaragua, says the SALT Microloan program has helped her family slowly progress upward. As is true for anyone climbing out of the cycle of chronic poverty, progress is slow and steps toward sustainability are small.

Sign up to receive our print newsletter

Read stories of lives that have been changed through the SALT program when you sign up to receive our free newsletter. We keep you informed on the latest news and reports from the field, and each free quarterly issue includes client stories, program statistics, and new program developments.

You can also request a presentation using the “SALT Presentation” form below.

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We are looking for churches or communities where we could share more about the value of sustainability and the SALT program. If you would be interested in having a CAM representative give a presentation in your area, or if you would like more information on the SALT program, please fill out the form below.
  • We are continually trying to improve the SALT program and we value your comments and suggestions. Please share any thoughts or ideas you have with us. Your input would be greatly appreciated.
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How can you help?

Donations

If you wish to help promote sustainability in developing countries through microloans, savings groups, agricultural programs, and Christ centered teaching, use the contribution form below.

Thank you for your support! 

One-time Donation

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Monthly Sponsorship

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The loans have helped my business, but the teaching has helped my life.