Research Articles
"Inventing the Future: Self-reliance in the Philippines". This People Magazine, Summer 1997, pp. 20-26.

"Filipino Strategies for Economic Self-Reliance: Microenterprise and Micro Credit". Case Study, 1997.

"Indigenous Management: Microentrepreneurship in the Philippines". Exchange Magazine, Spring 1996, pp. 1-13.


News and Media
"Loans Revive Poor, Urban Societies." The Daily Universe. January 10, 1996.
"Tackling Poverty from the Bottom Up." Compassion & Culture. November 2000.
"Long on Cash, Short on Recipients? Try Philanthropy." Chicago Tribune. December 22, 2000.
"A Hand Up, Not a Hand Out." LDS Church News. December 9, 2000.
"Where Credit is Overdue." Rotarian. June 2001.
"Micro-credit Group Gets New Partner." Daily Universe. March 5, 2003.
"Loan 'Mentors' Started at BYU is Moving into Peru." Deseret News. March 21, 2003.
"How a Seed-Money Loan of $60 Turned Melanie Pico into an Entrepreneur." New York Times. July 8, 2003.
"Enterprise Mentors Aids Those Who are Financially Struggling." Deseret News. September 4, 2004.
"Small Loans Making a Huge Difference." Deseret Morning News. October 29, 2005.
"First Presidency Speaks at Gala." BYU NewsNet. October 31, 2005.
"Saving Lives--One Loan at a Time." Meridian Magazine. November 1, 2005.

Partner Organizations
   Fundación Dignidad (Mexico)
   Mentores Empresariales (El Salvador)
   Fundacion Fenix (Guatemala)
   Mindinao Enterprise Development Foundation (Davao, Philippines)
   Philippines Microenterprise Development Foundation (Manila, Philippines)
   Visayas Enterprise Foundation (Cebu, Philippines)
   Asociación Surgir (Peru)


"The highest service we can perform for others is to help them help themselves."

      --- Horace Mann




UNITUS


Warner (left), Kaye (center), and other UNITUS board members touring Mexico ruins after visiting our Pro-Mujer partner (2003).

Description
To address the challenges facing existing microfinance institutions (MFIs), Unitus has developed a new way of accelerating the growth of carefully selected MFIs. As a global microfinance accelerator, Unitus provides the necessary high-impact capital funding and strategic organizational capacity building consulting to the highest potential MFIs in developing countries. Unitus’ innovative approach vastly increases the number of loans an existing MFI can make to the working poor and empowers significantly more families to work their way out of poverty. We started Unitus in 1999-2000 with a group of mostly BYU-connected board members: professor, alumni, students, and donors.

MicroBusiness Mentors trainers, consultants, loan officers, and our first Latino recipients of microcredit for new business start-ups in Provo, Utah, summer 2003.

News and Media

"Help to Small Businesses in Provo," Mundo Hispano. Agosto 22, 2003. Spanish.
"MicroBusiness Mentors". Presentation to the Provo Mayor and City Council, March 2003.

"Poverty is the parent of revolution and crime."

      --- Aristotle (384 BC - 322 BC)

Acción Contra la Pobreza

Description
Acción Contra la Pobreza, translating as “Action Against Poverty” is also called the ACP program. It is a microcredit model that has grown out of the experience of BYU students working with HELP International. The ACP methodology of microlending specifically caters to the needs of the poorest of the poor. This program provides loans to groups of five to nine women year round in Tegucigalpa, the capital city of Honduras. Since 2000, ACP has evolved into a U.S.-based nonprofit foundation that includes a number of other NGOs.


"You must be the change you wish to see in the world."

      --- Mahatma Gandhi

Yehu Bank

Description
Yehu mean "Our" in Swahili. Yehu Bank is a microfinance organization in the rural coastal region of Kenya. It provides financial and other support services for small busnesses owned by very poor people, operating in conjunction with Choice Humanitarian. It was created based on the principles and procedures of the world-renowned Grameen Bank.

Yehu combats poverty by empowering the very poor of rural Kenya to help themselves through the use of micro-loans, which can be used to start or expand their small businesses. So far, the bank has given out over 3,000 loans and enjoyed a 97 percent payback rate.

"I have the audacity to believe that people everywhere can have three meals a day for their bodies, education and culture for their minds, and dignity, equality, and freedom for their spirits."

      --- Martin Luther King, Jr.