Category: Microfinance & savings operations

Restore: Savings group facilitation guide

Category: Microfinance & savings operations 

Thank you for your interest in the HOPE-adapted RESTORE: Savings* curriculum. At HOPE, we believe in taking an open-handed approach to poverty alleviation, so we hope these resources aid you in furthering God’s Kingdom around the world. To request access, please fill out the contact information below and review our usage agreement.

Request the RESTORE church facilitator guide

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Savings Group Theory of Change

We have illustrated our Theory of Change for the savings group ministry for HOPE’s savings group partnership models: HOPE-led, where HOPE primarily works with local church denominations, and Savings Group Multiply, where HOPE partners with churches and organizations to bring holistic transformation to their existing work by integrating savings groups.

Download: HOPE-led Savings Group Theory of Change Summary (337KB pdf) – This visual describes at a high level the impact we desire to see as a result of the savings groups and the roles of the different stakeholders involved in the HOPE-led savings group ministry.

Download: Savings Group Multiply Theory of Change Summary (813KB pdf) – This visual describes at a high level the impact we desire to see as a result of the savings groups and the roles of the different stakeholders involved in the Savings Group Multiply ministry.

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Christ-centered delinquency management guide

HOPE is committed to exploring how to effectively proclaim the Gospel through our work in microfinance. One of the most challenging operational activities of microfinance is delinquency management. This guide shares our learnings on how to show the love of Christ during delinquency management. The guide has two parts: (1) Biblical principles we believe are foundational to Christ-centered delinquency management (CCDM) and (2) a discussion of common challenging questions about CCDM.

Download: Christ-centered delinquency management guide (3.1MB pdf)

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• microfinance
• spiritual integration

Christ-centered customer service principles

​These biblical principles provide the foundation for why customer service matters at HOPE International. We believe customer service is a key method of how we bear witness to Christ and His Kingdom through our work.

Download: Christ-centered customer service principles (563KB pdf)

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Christ-centered product design principles

​At HOPE, we are called to bear witness to Christ and His Kingdom through how we work. A key part of this is designing our products and services to intentionally bear witness to Christ and His Kingdom. This resource is available to help with the design of products and services which are Christ-centered, client-focused, missionally-aligned, and sustainable.

Download: Christ-centered product design principles (691KB pptx)

Download: Christ-centered product design principles - simplified version (343KB pptx)

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Microfinance Client Spiritual Journey

The client spiritual journey captures the framework and underlying assumptions for engaging microfinance clients in spiritual transformation.

Download: Microfinance client spiritual journey (404KB pdf)

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HOPE Sample Credit Manual

​This document is a sample credit policy manual that captures several policies in place within the HOPE International network, provided as an information and educational resource.

Download: Sample Credit Policy Manual (84KB docx)

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HOPE Sample Branch Operations Manual

​This document is a sample branch operations manual that captures several policies in place within the HOPE International network, provided as an informational and educational resource.

Download: HOPE Sample Branch Operations Manual (170KB docx)

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Listening, Monitoring, and Evaluation

The mission of the Listening, Monitoring, and Evaluation team at HOPE International is to better understand all stakeholders and HOPE’s relationship with them in order to improve mission fulfillment. The resources below include an overview of these activities at HOPE and a copy of the manifesto that guides LM&E activities.

Download: 2025 Introduction to LM&E (343KB pdf) – Introduction to LM&E at HOPE, from theory and team makeup to an overview of listening projects and the listening process.

Download: LM&E manifesto (405KB PDF) – Manifesto that guides HOPE's listening activities.

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• microfinance
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• savings

Spiritual Metrics at HOPE

This document connects the spiritual metrics and questions from the microfinance HOPE Quotient impact survey to our spiritual integration framework, summarizing the way we listen to understand the spiritual experiences of those we serve. This was presented at the 2024 OneAccord Spiritual Metrics conference.

Download: Spiritual Metrics at HOPE (2.0MB pdf)

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HOPE Quotient Survey

The HOPE Quotient is the survey that HOPE International’s Listening, Monitoring, and Evaluation team uses to assess the material, spiritual, social and personal impact of HOPE’s work.

Download: HOPE Quotient Outcomes (241KB pdf) – This document describes the program outcomes measured in the HOPE Quotient in each of the four domains of poverty.

Download: 2019 Malawi SG HOPE Quotient Findings (419KB pdf) – This document is a summary of 2019 impact findings from the HOPE Quotient Survey in Malawi savings groups.

Download: 2021 Zambia SG HOPE Quotient Findings (598KB pdf) – This document is a summary of 2021 impact findings from the HOPE Quotient Survey in Zambia savings groups.

Download: Microfinance HOPE Quotient Survey (424KB pdf) – This document includes the full survey tool for our holistic impact survey, the HOPE Quotient, for the microfinance context.

Download: Savings Group HOPE Quotient Survey (454KB pdf) – This document includes the full survey tool for our holistic impact survey, the HOPE Quotient, for the savings group context.

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LM&E Interview Guide

This guide gives suggested practices for enumerator behavior and techniques during an interview to respect the

interviewee and maintain the quality of the responses.

Download: LM&E Interview Guide (232KB pdf)

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From Dependence to Dignity

The Chalmers Center wrote this book as a follow-up to When Helping Hurts. The book unpacks the principles of how to design effective microfinance and savings ministries and avoid common pitfalls. HOPE follows many of these principles in our programs. This is a practical resource to move forward in microenterprise development as an organization or church.

Link: From Dependence to Dignity website

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• microfinance
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• small loans

When Helping Hurts

Poverty is more than simply a lack of material resources, and it takes more than donations to solve it. When Helping Hurts, by Brian Fikkert and Steve Corbett of the Chalmers Center, shares a biblically based approach to poverty alleviation. This book is a great starting point for those interested in serving others through microenterprise development.

Link: When Helping Hurts website

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• chalmers center
• microfinance
• savings
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