Rejoyce Amenume was a woman in extreme poverty. She woke up every day with renewed hope and determination, ready to face the struggles of her life. Each day was a new battle in her wage-based livelihood, where her hard work and unwavering willpower were her only allies. She lived with her husband, Richard, and their four children. Richard was physically disabled, having undergone surgery on one leg, which left him unable to perform heavy labor. However, he managed to earn a modest income by driving a “Toto,” a small rented vehicle, which brought in about 40-50 cedis daily.
Despite Richard’s efforts, their combined income of 120-150 cedis a day was far from sufficient to cover their daily expenses, which ranged between 200-250 cedis. The gap between their earnings and expenses forced Rijoyes to borrow money from moneylenders at exorbitant interest rates. By the end of each month, the weight of debt impelled her family deeper into hardship.
One day, during these struggling times, a glimmer of hope appeared in Rejoyce’ life. Nicholas, a loan officer from Ambala International’s Kasoa branch, visited her neighborhood for a group collection meeting. Rejoyce, who was a member of a local group, learned about Ambala International’s microfinance services. She discovered that the organization provided low-interest loans to poor families, with a flexible repayment plan of 24 installments over six months. The first installment was due just 15 days after receiving the loan. This opportunity felt like a lifeline to Rejoyce, and on September 19, 2024, she registered with the “God Is Able” association under Ambala International’s Kasoa branch.
Determined to fight poverty, Rejoyce decided to take a loan of 3,500 cedis from Ambala International on October 10, 2024. After submitting her application, the branch manager verified her details and disbursed the loan within just seven days. Along with the funds, she received guidance on how to use the loan effectively.
With the loan, Rejoyce opened a small grocery store, selling daily necessities. She was cautious at first, however, gradually she began to see profits out of it. After covering her initial investment, she started earning around 300 cedis daily. This new income not only helped her meet her family’s daily needs but also set her on the path to self-reliance. Her hard work, determination, and perseverance brought a new light into her life, making her financially stronger and more confident.
As Rejoyce began to achieve financial stability, her social standing also progressed. One day, with a smile on her face, she said, “Ambala International has given me a new opportunity, and my fortune has changed. Now, I plan to buy a taxi for my unemployed son so he can find direction in life. I also want to contribute to the spiritual and social development of my community.”
Rejoyce’s success was not just a victory for her family but also a message to other struggling individuals in her community. Her story showed that with hard work and the right opportunities, nothing is impossible.
Today, Rejoyce sees her life in a new light. Her family is happier, and signs of progress are evident. Every moment of her life is now filled with peace, and she takes pride in reaping the rewards of her relentless efforts. Her journey is a testament to the power of resilience and the transformative impact of hope and opportunity.
Ambala International FNGO is a subsidiary of Ambala Foundation of Bangladesh.
Registration: CG05870770723
