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  You know that mantra, ‘Give a man a fish; he'll eat for a day. Teach a man to fish; he'll eat for a lifetime?’ It's missing something: Impact Lending is the fishing rod, the boat, the net, etc.” - Bono, Lead Singer, U2

As an innovative nonprofit organization that is leading the way to help tackle the world’s modern day injustices by investing in social enterprises; we are connecting people with Field Workers and Nationals to create businesses and or help fund project needs, while changing their own environment and the environment around them.
   
 
         
     
         
     
   
 
 
How do we choose the Field workers we serve?
 
We are always networking with others and word of mouth brings each and every field worker. Field workers always vary based upon needs and desires. We screen each field worker and look for how we might be a fit.
 
How are each of the Field Workers funded?
 
We work with Local Churches, Grants, and Individual Impact Lenders. Our field workers have someone that oversees their accounts and holds them accountable for their work and/or ministry they are involved in. We are interested in working with their overseers, agencies and or the congregations that sends them out. We like to have a formulated team around them that is mixed with mentors and donors. This creates a strong foundation and a structure that allows the field worker to flourish. We use many avenues to help finance the field workers work, such as the Field workers supporting churches, grants and independent Impact Lenders such as yourself.
 
Impact Lending enables YOU to directly connect with us and our frontline Field workers or low income national entrepreneurs. Your Impact Lending through Butterfly International is NOT just a giveaway: it’s the birthplace of liberty and real change! Having a business or means for business provides them the opportunity to care for their families, and the communities they live in. Impact Lending provides a solution to ending social injustices and worldwide poverty.  
   
Our Impact Lending partners select whom they wish to lend to:  
   
Please feel free to visit our Impact lending section to see each business opportunity or project needs listed and that are in need of an Impact Lend which provides their stories and other information about them and their business or project venture. We know that some of our field workers work in areas that can be a hostile territory and it’s for their safety that we are cautious as to what information we can release. By going to our Impact lending section today, you can select your IMPACT LEND of $25 or more and MAKE A DIFFERNECE. You can opt to do a One-time lend, a recurring monthly Lend or Lend the full amount. The choice is up to you!  
   
Butterfly International requirements for funding field workers  
   
For our field workers each working environment and or business will vary as well as their expenses. There will be start up and operations costs that will have to be fully funded before the business can be established. We will work with each team member involved in sending the field worker (usually organized by a leader in the church, a Pastor or sending agency) to determine the functionality of the business and its overall start up costs. Once the determined amount is finalized it will then be given to the public to start raising the funds needed for the success of the field workers work and or business launch. Some field workers will have to be very familiar with the country they serve in before a business can be started for example; culture, people groups, trends, laws etc.

As far as the Field workers project needs, the information is submitted to Butterfly International for approval. Once approved, it is then added publicly as an Impact Lend to raise funds.
 
   
How do Butterfly International field workers repay their loans?  
   
Depending on how the field workers Impact lend is set up whether it is a onetime gift, recurring monthly or micro loan each will be accountable to their management team, which helps them manage their Impact Loan and the repayment of it if applicable. If Impact lend is set up as a micro loan the management team has the loan amount they then repay Butterfly International back and we reinvest it back out to other field workers in need of an Impact Lend. As stated some Impact lends are one time gifts and recurring monthly gifts that do not need to be repaid back. Look for Icon symbol on Impact lending page for more information.  
   
How Butterfly International repayments to our Lenders work?  
   
Because your Impact Lend is given to a non-profit 501c3 institute it is a tax deductible items. If Impact lend is a micro loan both the Nationals and field workers are required to return the Impact Lend back to Butterfly International once profitable and over a certain time. These monies are then re-disbursed back out to another national or field worker in need of an impact lend, further extending the opportunities, impacting lives and changing communities globally.  
   
   
 
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How do we choose the Nationals we serve?
Our nationals are brought to us through our field workers and partnering NGO’s which are working right alongside of them. The field workers see the potential and desire in the nationals and wish to help them. The field worker then screens the national and after being screened the field worker then brings the national to Butterfly International for an Impact Lend
 
How are each of the Nationals Funded?
We come along side of our Field workers and if needed microfinance banking Institutions. Like never before the Field worker plays a pivotal role in transforming society and making real change in the communities they are helping by bringing hope to the nationals, by supplying resources of food, health care, and shelter. It is through this means the field worker is introduced to the national. While working alongside of the national the field work experiences their passions and desires. It is then that Butterfly International is introduced to this national entrepreneur. From there we determine which would be the best option in providing this national an Impact Lend from Butterfly International.
 
When needed, we know there are many existing microfinance institutions around the world and we diligently seek out those that are willing to come along side of us in providing funds to a national. Each organization we choose will have expertise in microfinance lending and also a mission to alleviate poverty and fight against social injustices. Our partnering microfinance institutions know their local area and clients well, thus allowing us to better assist the nationals in their needs. They do all the leg work required to get the national funded via a Butterfly International Impact Lend and, once approved, they disburse the funds directly to the national and are then in constant contact with them. At times and in far remote areas we rely on our field workers to receive and disburse the Impact Lend directly to the national and act as our liaison.  
   
Our Field workers and Microfinance Dept Disburse Loans and Upload Stories for the Nationals  
   
Working in direct contact with field workers, Butterfly International assists in the best option to provide an Impact Lend to the National. We know that each circumstance is different and have two options of seeing the Impact Lend get funded to the national. Butterfly International will either have the Field worker or the Microfinance Institution (MFI) be responsible for disbursing the Impact Lend as soon as they are needed. We have found there are a couple of ways this can happen. They can do this up to 30 days before the Impact Lend is brought to our websites public view, or they can wait until the Impact Lend request is fully funded before distributing. Most choose to disburse the funds before the loan request if fully funded. When possible each one of our microfinance institutions and or field worker is responsible for collecting each entrepreneur stories, pictures and loan details and uploading them to Butterfly International so that we can send back these stories to their Impact Lenders. Many of our microfinance institutions require a mandatory savings as part of the lend cycle in order to ensure that borrowers represent a good lending risk and can build up cash reserves.  
   
Our Impact Lending partners select whom they wish to lend to:  
   
We ask each one of our Impact Lenders to browse the lending requests and select which ones they'd like to fund. Each impact lend weather a one time gift or loan will have regular updates and follow through until the loan has been fulfilled and paid back. By going to our Impact Lend section today, you can select your IMPACT LEND of $25 or more and MAKE A DIFFERNECE. You can opt to do a One-time lend, a recurring monthly Lend or Lend the full amount. The choice is up to you!  
   
When Butterfly International sends the Impact Lenders' Funds to the microfinance institution  
   
When necessary for our nationals, each microfinance institution will use the funds we send them to replenish the Impact Lend they've already made to the national entrepreneur. We send the funds based off the microfinance banking procedures.  
   
How do Butterfly International nationals repay their loans?  
   
When we use microfinance institutions we make them responsible for collecting their repayments as well as any interest due and then let Butterfly International know if repayment has been paid based upon schedule approved. Each loans interest rates are set by the microfinance company, and that interest is used to cover the institutions operational costs. Butterfly International does not charge interest to our microfinance institutions. Once the impact lend is returned back to Butterfly International we then reinvest it out to other nationals in need of an impact lend.  
   
How Butterfly International repayments to our Lenders work?  
   
Because your Impact Lend is given to a non-profit 501c3 institute it is a tax deductible item. When the impact lend is a micro loan both the Nationals and field workers are required to return the Impact Lend back to Butterfly International over a certain time if deemed not a one-time gift. These monies are then re-disbursed back out to another national or field worker in need of an impact lend, further extending the opportunities, impacting lives and changing communities globally.  
   
 
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