Invest-Credit’s unique blend of services has resulted in growing success for the organization. Invest Credit is one of the only microfinance organizations in the country providing financing for startups with little to no track record. Further, the loan application and approval process is very efficient, taking only a few days from start to finish.

Part of Invest-Credit’s success can be measured by the high repayment rate it enjoys, currently over 99%. The vast majority of clients who come to Invest-Credit come back for second, third, and even fourth loans, providing a strong indication of good service, and a solid network for growth and expansion. To add a personal touch, Invest-Credit differentiates itself by providing prayer support for its clients and building personal relationships.

Moldovans need a hand-up and not a hand-out, effective and relevant training, and a Christian witness that teaches about the love of God and acts upon it. Through branches in the north and south of the country, Invest-Credit is looking to provide services unavailable from any other organization.

Like Iacob many people just need a working chance. A small amount of starting capital and a little training goes a long way to help them work themselves out of poverty.

Invest-Credit does just that, and has seen over and over how this has an immediate effect on the quality of family and community.

Iacob has trained others from his community how to raise rabbits, and has referred them to Invest-Credit to obtain their own loans. They use the startup capital to buy breeding rabbits and materials to build cages. Iacob’s additional income has helped him to spend more time as a pastor, since the church is not able to fully support him.

Iacob is just one example, but many others have been able to give back or employ several members from their community as their businesses grow. As everyone’s income increases, the effect of the enterprise spreads beyond the family into the local community. Thus, the benefits of micro enterprise development help grow not just businesses, but stronger communities as well.