We find qualified loan applicants through by working closely with our partners. They are the eyes and ears in a community and meet candidates who both demonstrate resolve to feed their families and have a genuinely good business concept.

JTJ and our partner in Zambia, Spark Zambia, facilitate a boot camp for entrepreneurs before issuing loans. As part of this, the entrepreneurs submit cash flow documents that provide projections of increased capital as a result of the loans.

As a 501(c)3, we are funded through the benevolence of our supporters. We decrease overhead through volunteer efforts and ensure the maximum amount of contributions goes directly to the field.