We seek to help the poorest people in urban areas experience economic, physical, social, and spiritual transformation through our microfinance program. We enable the poor to develop and maintain their own productive economic activities while receiving training and support from Christians. In the fight against poverty, microfinance is a unique weapon in the form of loans given to already created or newly-forming tiny businesses run by the poor themselves. This program

  • Employs up to 70% of the labor force.
  • Creates work for women, the uneducated, untrained, and unskilled.
  • Provides needed products and services for the community.

Microfinance is a very simple concept. A group of people receives several hours of training in financial and spiritual topics. After these sessions, each participant develops a business plan, invests some of his/her own money, and receives a loan for a new micro-business. Training and Bible study for the new entrepreneurs continues as they meet to pay back loans. As men and women become empowered to control their own economic state and future, they also move toward an improved standard of living and subsequent behavior changes.

You can directly participate in a successful, growing microfinance program in the Mathare slums of Nairobi, Kenya, making a difference in poverty and impacting a community.

Toboa offers you the opportunity to sponsor a loan for a budding entrepreneur by business, gender, or loan amount. Your contribution of any size will be used to provide initial loans for new graduates of the business training program. Entrepreneurs must make regular payments on the loan, beginning the first week, until it is repaid in full.

As loans are repaid, those funds are re-directed to new entrepreneurs or proven entrepreneurs who are expanding their businesses. In other words, your contribution does not cease working after given the first time; it is “recycled” into new loans, creating a bigger difference (Toboa) into poverty.

You can also give toward the General Fund! Each month a new class of graduates is ready for their first loans. The General Fund provides funds for trained individuals who are not yet sponsored. So, your general/undesignated contribution is of great value to the ongoing loan process. Click here to view the Toboa opportunities.

What is Microfinance

Among the poorest people in urban areas, Toboa’s goal is to facilitate transformation through microfinance programs. This approach enables the poor to develop and to maintain their own productive economic activities while they receive training, mentoring, and support. In the fight against global poverty, microfinance is a powerful weapon. For developing countries, its efforts:

  • Employ up to 70% of the labor force.
  • Create work for women and minority groups, as well as the uneducated and unskilled.
  • Provide needed products and services.
  • Develop the entrepreneurial spirit and personal pride of people oppressed by the poverty around them.

Toboa’s microfinance program includes:


Trained entrepreneurs receive loans of varying amounts to start new businesses and expand existing businesses. Microloans operate on very simple concepts: training, planning, more training, mentoring, investment, repayment of loans, saving money, accountability, support, and success. As an entrepreneur’s business grows, additional loans are made available to expand. Women and men become empowered to control their own economic state and future, and this empowerment leads to an improved standard of living and subsequent changes in behavior. As poverty’s grip loosens, the entrepreneur gains self-respect and the strength to stop doing drugs, to quit making illegal alcohol, to escape Prostitution, and to leave a life of crime and violence. Families are fed, clothed and educated.
Community standards therefore, begins to rise.

Savings Account

Entrepreneurs are required to establish a savings account prior to receiving their first loan. Ourmicrofinance program functions like a bank for these entrepreneurs creating an opportunity for most of them to utilize checking and savings accounts for the first time. The result is greater economic stability and security for the entrepreneur and his or her family.

How does Toboa’s Microfinance Program work

AIDS Crisis

Every 10 seconds 1 person dies of AIDS. Every 6 and a half seconds another person contracts HIV. We continue to find ways to meet needs on each of our fields, partner with others involved in AIDS work, and bring comfort to a world in crisis.

We seek to establish our clinics that will provide medications, care, and instruction for individuals, families, and communities affected by AIDS. The Friends of Genesis Joy,do follow-up with families to teach prevention and share the Gospel.

The CHE programs will train and support HIV counselors who will provide community education on HIV prevention and day-to-day care of AIDS patients and their families. CHE core values will include training people to take responsibility for their own physical and spiritual health, thereby producing total community transformation.

Genesis Joy educatesSchool goingstudents and out of school youth within their communities on abstinence and a Christian’s response to AIDS.

Because poverty and unemployment are the root causes of the spread of HIV/AIDS in the slums, Genesis JoyPartnership in Nairobi, Kenya, tries to address theseissues in two ways:

  1. Directly, by providing jobs at the Genesis Joy schools for cooks, teachers, social workers, and guards.
  2. Indirectly, by offering microenterprise training. The training uses CHE materials, which emphasize a personal relationship with Christ that leads to behavioral changes. The individual also has training in order to be employed or to begin a small business.

Genesis Joy Partnership will seek to increase our outreach into communities to provide for the needs of the AIDS infected and affected.

Churches interested contact us now for partnership process to ensure that programs on these fields are funded and working at the highest level to have an impact in saving the next generation.

Community Health Evangelism

Disease, deplorable living conditions, and lack of water or sanitation are overwhelming issues in urban poor communities and rural villages worldwide. But there are workable solutions to these health problems. One successful strategy is Community Health Evangelism. Through CHE, we develop holistic ministries that provide ways to break the grip of poverty and demonstrate the love of Christ.

CHE seeks to transform individual lives physically, emotionally, socially, and spiritually in order to bring change to the community. The primary goal of CHE is to teach people how to do things for themselves with the resources they have, integrated with physical and spiritual teaching.

CHE includes instruction on hygiene, clean water, safe cooking, latrines, healthcare, HIV/AIDS prevention and care, and other basic life issues. Many come to Christ through the training, as well as when the communities begin to clean up and promote holistic health.

As CHE leaders are trained, they begin to equip others so that a community oversees its own program. This allows outsiders to step back and to act as consultants or resources instead of leaders.

Microfinance is an extension of the CHE strategy, which provides for and encourages income-generating activities for the poor. Vocational training enables individuals to learn skills that will enable them to be gainfully employed through their own business or another local business.

CHE outreach is committed to developing Christian Leadership as programs are oriented toward reaching non-Christians through evangelism, follow-up, and discipleship. An empowered project brings the community together and shares Christ, which results in transformed lives for eternity.