Hopeline Intitute

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TEACHING SUSTAINABLE METHODS OF BUSINESS TO SUPPORT GENERATIONS.

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BUILDING LIVES AND

BUILDING HOPE

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PROVIDING EDUCATION

AND TRAINING TO WEST AFRICAN WOMEN

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WORKING IN WEST AFRICA

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"And HOPE maketh not ashamed because the LOVE OF GOD is spread abroad inour hearts by the Holy Ghost which is given unto us". ~ Romans 5 vs 5 KJVHopeline Institute, a Christain faith-based micro-finance and training oriented non-governmental organization (NGO) founded in 2007, partnered with Partners Worldwide, a U.S. 501(c)3 non-profit in 2010, and is a registered non-profit with the Registrar-General of Ghana. Since it began in 2007, Hopeline Institute has served over 500 clients, watching many grow from micro-business owners to SME's. Hopeline Institute exists to make institutional financial services accessible to small and medium entrepreneurs and micro-entrepreneurs of the population. To ensure effective use of the money for its clients to break out of povertys vicious cycle, education and training components are offered in areas of entrepreneurial skill development, nutrition and preventive health. To help correct the gender imbalance and opportunity for women, Hopeline focuses much of its education and training toward women.
EVENTS No Frame

HLI Conference Flyer.pdf

Download the pdf info-kit here: Join hundreds of business owners and leaders from Ghana and other parts of Africa for two days of inspiration and information you can immediately implement in your business. Cost: GHC 30 For more information or to register: Phone: 0246789145/ 0264611300/ 0243690522 E-mail: hopelineinstitute_yahoo.co.uk

Networking

Business development

Inspiration

Strategic Thinking

Be Transformed

Learn

Share best practices

Reclaim the marketplace

WHERE WE WORK

WHERE

WE WORK

ACCRA, GHANA

Working in Acra, Ghana since 2007, Hopeline Institute has served and invested in over 500 women-owned businesses, watching many grow from micro-business owners to small and medium enterprises. Hopeline works with women entreupeners to teach business methods, financial management and simple methods to market their products, along with basic health classes with the Christian faith being central to our teachings.

SUCCESS STORY

ACCRA, Ghana -This spring, entrepreneur Grace Adom attended a business training course for the first time. After 12 weeks, she graduated this Aprilexcited to strengthen the business shes owned for 10 years, and to share a new sense of affirmation shes found in a network of business owners through Hopeline Institute in Accra, Ghana.The name [of my business] is meant to encourage people to believe like I have, says Grace, who had started Believe Feed Meal a decade ago on a micro loan of $300 USD. Today, she employs seven others, and the business holds a value of $13,000.With the mission to provide high-quality poultry feed to farmers surrounding the city, Grace takes tuna fish refuse from the local tuna factory, then grinds it into feed for chickens and turkeys.While her future is looking bright, it hasnt always been that way. When she was 16, Grace was kicked out of her home when she refused to marry an older wealthy man. Raised in a poor Muslim community, Grace decided she wanted to make a better life for herself, and to do that, she needed to complete secondary school. She used her entrepreneurial skills to sell water on the street and saved up profit to pay her own tuitionas well as three of her siblings school fees.Years later, Grace married another Muslim man, and was kicked out of her home again when she became a Christian. Not only did she receive refuge in the church community, she describes, but the church also provided her a microloan to start a business selling grains and rice.Yet, the conflict didnt end there. Because she had shamed her husbands family, they plotted to have her arrested on false charges, and, as a notable family in their region, they succeeded. She was sentenced to prison with no clear accusation. The prison gave me no chance to contact or notify anyone of what happened, she says.Then a miracle began. After three months, a fellow inmate was released and got word to Graces pastor of Graces predicament. The church immediately held an emergency meeting! says Grace. Within a day, 12 key members came to the prisonlawyers, customs officers, and police to act on her behalf. She had been sentenced to five years or a fine of $330 USD. They decided not to pay the money because they knew I was innocent, she says. Instead they filed an appeal, and after two more months, Grace was freed.As soon as she was out, Graces church offered her that money instead to start the poultry feed business she owns and operates today.Through the business training this spring, Grace has created a viable business plan, and continues to learn from her new network of Christian peers and business owners through Hopeline Institute and Partners Worldwide.Despite every opportunity to lose her faith, Grace says her calling is still affirmed: The Holy Spirit is in me. I am putting all my trust in the Lord.Since it began in 2007, Hopeline Institute has served over 500 clients, especially marginalized woman, working with them as they grow from micro-business owners to small and medium businesses (SMEs). In 2010, Hopeline Institute joined with Partners Worldwide to enable SME owners to grow further through business training, mentoring, and access to capital.

SUCCESS STORY

God is the owner, and I am only the manager, says Ghanaian businesswoman Bennie Brown, as she remembers the past two years. ACCRA, Ghana-Despite her successful career in human resources, one night, she received a message from God when the words Total Image came to her in a dream. Each person is made in His image, both inside and out, she says. But as much as she tried to push it out, Bennie knew God was also telling her, Do my will. Do my work. She just didnt know what it meant. Over and over, she thought it might mean re-launching her small clothing production business that had fizzled years before. When she started the business with her sister, Bennie wasnt able to put in the necessary time and energy because of her fulltime job. Also, with a stable career in senior management, her family and friends strongly advised her not to leave her job. Plus, itd been twenty years since I last sewed a dress! she adds. One night, as she sat quietly listening for any word from God, she asked, How will we survive? The answer was clear: My grace is sufficient. Searching for a machine, learning the trade, spending time with people who were in tailoring, she felt a little lost. God kept saying to me, What have you lost? A salary? A title? says Bennie, smiling as she remembers the moment. You will be a CEO. This is going to be a serious businessmake a serious business card! And so I did. She launched the clothing production business, Total Image and joined a class covering the concept of Business as Mission for business owners like herself, offered by Hopeline Institute, a local business affiliate of Partners Worldwide. The business training was life-changing. Through the class, my personal wrestling with God finally made sense, she says as her eyes well up with tears. Learning how business itself can be a callinga way to serve and care for others in Gods imageshe says her work is now Gods work, could be Holy, and could be His. For this professional, the choice to invest her God-given talents in a business is already reaping harvest. By employing two people full-time, and outsourcing parts of the orders to three other people who didnt work before, she adds that these five are developing new skills, can afford to live in a home, and have discovered self-confidence. The work I do has value in God's eyes, she adds, now running a business she devoted to God just two years after wrestling with God. His call on me is to carry out this business as a ministry
WHAT WE DO

WHAT WE DO

ACCUMULATED SAVINGS AND CREDIT USING

VILLAGE SAVINGS AND LOANS PROGRAMS

This is a savings-led microfinance approach which Hopeline Institute (HLI) has adopted to assist the absolute impoverished. These are people who earn less than $1.20 per day. The Village Savings and Loans programs, which HLI teaches involves the creation of small-scale community-managed savings and loans groups, consisting of between 10 to 25 members who pull their savings together into a self managed loan fund, by way of buying shares. This system is a proven predictor of providing sustainable financial services for the poor and has enabled HLI to reach deeper into rural areas than most micro-finance institutions. Village Savings and Loans groups are self-selected, self-managed and autonomous, transparent: thus transactions are carried out in the presence of all. These groups also serve as sustainable channels for trainings and are easily replicated. Village Savings and Loans groups that are deemed mature over time in terms of members, ability to handle higher amounts for business are graduated into HLIs Credit with Education Package.

EDUCATION ON TOPICAL ISSUES

As a Training-Oriented Micro Finance Organization, enhanced training is extended to SME's engagedin the Agriculture, Manufacturing, Industry, Retail and Services sectors. This training and support are based on four pillars shared by both Hopeline Institute and Partners Worldwide: TRAINING, ADVOCACY, MENTORING and ACCESS TO CAPITAL.TRAININGMany Ghanaian business owners have not had formal business training. Much of what has beenlearned has been through observation of similar family businesses. Research has shown that training alonewithout capital investment causes a business to increase their profit, on the average by 25%. HopelineInstitute offers flexible 3hrs per week training sessions for 12 weeks in Basic Business Principles.ADVOCACYChrist is our highest advocate. Hopeline Institute creates a platform and opportunity for SME's acrossfive sectors to meet together monthly, network and share information as it relates to others within theirrespective sectors or within the value chain of their products. Government officials are also invited toaddress policies that affect businesses.MENTORINGThe overarching purpose of the job of Hopeline Institute with SME's is to develop capacity for jobcreation, which ultimately will result in an improved Ghanaian economy and poverty alleviation. Thisis made possible through Hopeline Institutes tierd mentoring programme, which matches and buildsLocal, Regional and International relationships among business people.ACCESS TO CAPITALHopeline Institute believes that access to capital is one of the productive resources needed to furthergrow, expand businesses and create more jobs for people to have decent living. Access to Capital forSMEs has been made available through the following loan products namely; SME VSLA and IndividualSME Loans.These models again offer HLI the platform to continue to empower women through education. All of HLI's trainings begin with a complete education on HIV/AIDS, malaria prevention, nutrition, family planning, water and sanitation, maternal and neonatal child health. Women are encouraged to register with the NHIS to minimize the cost of treating malaria.Womens' education on topical issues on environmental cleanliness, destruction of breeding sites of mosquitoes, general household and personal hygiene and first aid in malaria treatment and so on, has led to better health conditions in most households. Most households attest that since they became involved in this type of training, frequency of diseases among their household, especially malaria, has reduced considerably.

CREDIT WITH EDUCATION

This is a credit-led micro-finance approach which Hopeline Institute (HLI) has adopted to assist and train the productive poor who earn just above a $1.20 per day and those who fall within the lower income brackets. HLI organizes women in micro-enterprises into groups of thirty. Within each group are smaller solidarity groups of a maximum of five, who conduct due diligence on all loans applied for by its members in the smaller groups and co-guarantee each others loans.Both models, thus ACCUMULATED SAVINGS AND CREDIT USING VILLAGE SAVINGS AND LOANS METHODOLOGY and CREDIT WITH EDUCATION offer HLI the platform to empower women in entrepreneurial skill development to ensure that women receive the necessary business management training and business acumen in the area of simple records keeping, assessing market needs, good customer care, good product packaging to meet customer demand, cost minimization and profit maximization, subject to prevailing market prices.
ABOUT US No Frame

ABOUT US

OUR MISSION

The vision of Hopeline Institute is a world in which there is egalitarian access to the productive resources and sufficient information for all to engage in enterprises that support a decent living.MissionHopeline Institute exists to assist the marginalised, especially women, through microfinance and the needed management and preventive health training for them to engage in effective micro-enterprise operations.ValuesThe client is always rightWe view the clients as partners in developmentWe recognise and reward hard workOur clients and the staff are seen as the most valuable assetsWe cherish wealth creation and hence poverty reductionObjectives of Hopeline InstituteHopeline Institute has the following objectives:1. To provide micro-financial assistance to productive women entrepreneurs in development2. To increase the ability of the clients to make purchasing choices, manage household funds and manage enterprise funds.3. To mobilize savings in the communities through the loan.4. To support environmental cleanliness.5. To increase the level of literacy amongst women through targeted education in health, business management, financial management, record keeping, basic accounting, time management and credit management, group dynamics andteam building, marketing and customer care and costing and pricing.6. To increase networking through the sharing of business experiences.7. To build self confidence, self esteem and decision making amongst women.Code of EthicsIn addition to advancing credit to women entrepreneurs, and promoting women entrepreneurs, Hopeline Institute, alsoOffers training to the women and even the staff in areas such as culture and environment, human rights issues, labour laws etc.Ensures that compliance with labour standards is strictly adhered to.

HOPELINE'S EXECUTIVES

OUR CEO Fanny Esi Atta-Peters, the Chief Executive Officer of Hopeline Institute, holds Master in Development Management and Post Graduate Certificate in NGO Management from the Ghana Institute of Management and Public Administration. She also holds B.A. (Hons) in English and Linguistics from the University of Ghana. Fanny has served in various capacities in several organisations such as the Ministry of Foreign Affairs, Barclays Bank of Ghana Ltd., Virgins U.K, the Royal Bank of Scotland Group-U.K and FADECO Construction Limited.CHAIRPERSONClement Ofori Asante, the chairperson of the board, has an MBA (marketing) from the University of Leicester, UK and Bachelors degree from the University of Ghana, Legon. He also holds an advanced certificate in marketing from the Chartered Institute of Marketing, UK. professional carrier includes roles in Marketing, Business Analysis & Planning, Business Development and Customer Relationship Building in various industries and spans over a period of almost ten years. Professional position held include Marketing Manager, Prestige Motor Company Limited, Sole dealer for Peugeot vehicles in Ghana; Marketing Manager, Kasapa Telecom Limited; Senior Manager, Business Intelligence Analysis and Planning, Scancom limited and currently Senior Manager, Brand Clements Management, Scancom limited (MTN) institutions. Clement is also a partner and director of Independent Consult Limited, a business consulting firm.VICE-CHAIRPERSONAgnes Bonsu-Bruce is the Vice-Chairperson of the Board. She holds MBA in Management Information System from Ghana and Brussels as well as BSc Economics Major from the University of Ghana. Agnes has enormous experience from the various capacities she has served as the Project Officer for the Central Region Development Commission and National Board for Small Industries. At Deloitte and Touche, she served as Senior Consultant for international projects like SAP System Auditing for African Development Bank.BOARD MEMBER Dr. Sena Plange holds Ph.D. in law from the Washington University, in the U.S.A. She currently works as a Legal Officer at United Nations Mission in Liberia. Prior to this appointment, she worked as a lecturer in law at the University of Ghana Business School. In addition to lecturing, she hasconducted extensive study in Gender, Human Rights Training and Public Interest Law throughout Ghana. She has served as a consultant for a Womens Right, an NGO, which she has been involved in the training and capacity building of women leaders throughout the country. She also worked as a LegalOfficer at FIDA Ghana, a legal organisation that provides pro-bono legal services to indigent women throughout Ghana. She also worked as a private legal practitioner for a number of years in a mid- sized law firm in Ghana.BOARD MEMBERGloria Owusu holds a Diploma from the Ghana Institute of Journalism and has taken Certificate Courses in Effective Records Management at the Bank ofGhana Training School, and Effective Supervisory Skills with the Programme for Effective Management. Department of Bank of Ghana for two (2) years and also worked with the office of the Port Operations Manager of the Ghana Ports and HarboursAuthority for three (3) years. Joined PSC Tema Shipyard Limited as a Public Relations Officer but currently the Administrative Officer. She worked with the Budget and Accounts

OUR 501(c)3 PARTNER

Hopeline Institute operates under the 501(c)3 designation of our affiliate partner, Partners Worldwide. We have chosen Partners Worldwide, located in the state of Michigan, USA, as our fiscal and management oversight sponsor because of their spotless reputation and their very reasonable fee for services. Partners Worldwide provides a valuable service in maintaining all of our financial records, assisting in donor relations and all legally mandated monitoring & reporting with regard to all of our activities. An affiliate or fiscal sponsor is a U.S. 501(c)3 tax exempt charitable organization that allows aligned organizations to use them as an umbrella under which it is possible to accept donations and operate as a legal entity. Partners Worldwide6139 Tahoe Dr. Grand Rapids, MI 49546Toll Free: 800.919.7307www.PartnersWorldwide.org Contact: Renita Reed, West Africa Regional FacilitatorEmail: renitar_partnersworldwide.org
GALLERY

A holistic transformation for the marginalized.

DONATE NOW

DONATE NOW

PARTNER WITH HOPELINE
We need you. Please partner with Hopeline Institute and together we can impact a nation for the cause of Christ.Your charitable contribution will be used to help young people find true success in a relationship with Christ.For as little as $70, your donation will train a small business owner in basic business skills, which yields, on average, a 25% increase in profit. This profit will sustain the owner, the employees, the associated families and her community for generations."Poor people are like bonsai trees.They could have grown into giant trees if they had been supported by the right environment for growth. It is the size of the pot in which they were made to grow that turned them into [DIMINISHED] replicas of the real trees. In a similar way; poor prople are diminished replicas of the real persons hidden inside of them. They cannot grow into their potential size becausesociety does not offer them the social and economic base to grow on". ~ Mohammed Yunus , Nobel Prize Winner 2006.

TOGETHER WE CAN IMPACT A NATION

PLEASE DONATE
Hopeline Institute operates under the U.S. 501(c)3 designation of our affiliate partner, Partners Worldwide.Tax I.D. # 38-3293173.PLEASE SEND CHECKS TO: HOPELINE INSTITUTEC/O: Partners Worldwide6139 Tahoe Dr. Grand Rapids, MI 49546 USAOR CALL:Toll Free: +1.800.919.7307www.PartnersWorldwide.org Contact: Renita Reed, West Africa Regional FacilitatorEmail: renitar_partnersworldwide.org

CONTACT

Contact us

HOPELINE INSTITUTE

A: NWTC, Madina Social Welfare

P.O.BOX 886, Accra,GHANA

WEST AFRICA

T: 00233 302 521588

W: www.HopelineInstitute.org

E: hopelineinstitute_yahoo.co.uk

501(c)3 Sponsors - Partners Worldwide

A: 6139 Tahoe Dr.

Grand Rapids, MI 49546

T: 800.919.7307

W: www.partnersworldwide.org

E: info_partnersworldwide.org

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