Over six years ago, our Co-Founder and President, Paul Barmaksezian, set off with his wife, Ani, and two children, Michelle and Luke, to serve some of the poorest communities in Nicaragua, the second poorest country on the Western Hemisphere. With years of experience, they are learning the differences of healthy vs. toxic programs which Provide for the poor. Toxic programs don’t last, and they eat up resources, as beneficiaries don’t feel a sense of ownership or pride in the gift they received. Healthy, life-changing programs always include some form of investment on the part of the one receiving, providing self-esteem and a sense of commitment to the program. Through our Small Loan and Small Business Start-up programs, we have found a formula which provides life-changing, long-lasting opportunities to some of the poorest in the world.