tag:blogger.com,1999:blog-75431997241112894242024-02-19T09:22:28.603+02:00Ministries of Jeffrey and Kristin Lee in RwandaTransforming lives through Jesus Christ with the provision of microfinance and health care in His name, incarnationally and holisticallyjlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.comBlogger512125tag:blogger.com,1999:blog-7543199724111289424.post-60425511524790939322015-12-25T09:39:00.002+02:002015-12-25T09:41:08.287+02:00The Graduation...<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL_ul6XdghcESF4I9IxRdjv1_-Q8541nJa-oKJxkxJ6C62SN7qYvR0tdQNHOjIHijP420sHD1UzPQQ__yL14544A6AJ_HXua0aGv4kmqqabtWkcUgZFOVPCnfKc-gmgh1dX-NnVCAlaal7/s1600/Rwanda+Map+and+Flag.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="350" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL_ul6XdghcESF4I9IxRdjv1_-Q8541nJa-oKJxkxJ6C62SN7qYvR0tdQNHOjIHijP420sHD1UzPQQ__yL14544A6AJ_HXua0aGv4kmqqabtWkcUgZFOVPCnfKc-gmgh1dX-NnVCAlaal7/s400/Rwanda+Map+and+Flag.jpg" width="400" /></a></div>
The beginning ultimately ends. Sooner or later.<br />
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My service with Urwego Opportunity Bank in Rwanda ended on May 1st, 2014.<br />
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Then I had a sabbatical year, reading, resting, reflecting and re-focusing.<br />
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Meanwhile, I dabbled here and there.<br />
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I took a teaching job at a Christian university, Handong, in Korea. But, it has fizzed out.<br />
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As part of Opportunity International's governance and regional management team, I have been helping the leadership at Opportunity's micro financial institutions in four African countries: Kenya, Tanzania, Mozambique and DR Congo. I still am, but it will also fade out.<br />
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I have been helping several government organizations and non-government organizations with consulting services. I may still continue this job from time to time, but not as a regular job.<br />
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I have been teaching at BAM consultations and BAM academy, mentoring BAM practitioners in several countries. This has been gradually and steadily accelerating.<br />
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Meanwhile, the Lord has helped me open my eyes for His plan in store for my life: starting a new ministry to support BAMs in Asia and Africa with resources mobilized from the U.S. and Korea.<br />
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So, a new ministry has been born.<br />
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This ministry is called SfK Ministries that was established in October 2015. SfK stands for Synergy for the Kingdom (of God.)<br />
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This ministry still involves but goes beyond Rwanda.<br />
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Thus, this blog is graduating... but only to a new blog.<br />
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Graduation signifies commencement. A new beginning.<br />
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Thank you all who have read and commented on this blog for your interest. You may continue to follow and read my posts on the new blog: http://sfkministries.blogspot.com. If you want to check out the new blog, <a href="http://sfkministries.blogspot.com/">Click here.</a> - Jeffrey<br />
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<img height="354" src="https://s-media-cache-ak0.pinimg.com/236x/dd/f1/8c/ddf18cbd564da2887039d5265d089755.jpg" width="400" /></div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-57386887699200861352015-02-15T16:46:00.000+02:002015-02-15T16:46:21.796+02:00UOB Takes a Human-centered Approach to Rwanda's small holders...<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="zone-wrapper zone-preface-wrapper clearfix" id="zone-preface-wrapper" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; background-color: white; border: 0px; color: #4d4a35; font-family: bodyfont, Verdana, Helvetica, Arial, sans-serif; font-stretch: inherit; line-height: 22.0400009155273px; margin: 0px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">
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<h1 class="title" id="page-title" style="-webkit-transition-duration: 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s; -webkit-transition-property: background-color, border-color, box-shadow, color, opacity, text-shadow, transform; -webkit-transition-timing-function: linear, linear, linear, linear, linear, linear, linear; border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; color: #f37805; font-family: headerfont, Georgia, 'Times New Roman', Times, serif; font-stretch: inherit; font-style: inherit; font-variant: inherit; letter-spacing: 0px; line-height: 1.1em; margin: 0px 10px 20px; outline: 0px; padding: 0px; transition-duration: 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s; transition-property: background-color, border-color, box-shadow, color, opacity, text-shadow, transform; transition-timing-function: linear, linear, linear, linear, linear, linear, linear; vertical-align: baseline;">
<span style="font-size: small;"><span style="font-weight: normal;">When I was leading UOB, we developed and launched the mHose, an interoperable mobile banking solution, in cooperation with mVISA, which is VISA, Inc's solution for delivering financial services in the emerging markets. I am grateful for the opportunity to have been involved in the project and pray for God's continuing grace in expanding the outreach towards the small holders in Rwanda through this product.</span></span></h1>
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<span style="font-size: small;"><span style="font-weight: normal;">Below is the full article posted on CGAP's webpage.</span></span></div>
<h1 class="title" id="page-title" style="-webkit-transition-duration: 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s; -webkit-transition-property: background-color, border-color, box-shadow, color, opacity, text-shadow, transform; -webkit-transition-timing-function: linear, linear, linear, linear, linear, linear, linear; border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; color: #f37805; font-family: headerfont, Georgia, 'Times New Roman', Times, serif; font-size: 2.5em; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; letter-spacing: 0px; line-height: 1.1em; margin: 0px 10px 20px; outline: 0px; padding: 0px; transition-duration: 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s; transition-property: background-color, border-color, box-shadow, color, opacity, text-shadow, transform; transition-timing-function: linear, linear, linear, linear, linear, linear, linear; vertical-align: baseline;">
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<h1 class="title" id="page-title" style="-webkit-transition-duration: 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s; -webkit-transition-property: background-color, border-color, box-shadow, color, opacity, text-shadow, transform; -webkit-transition-timing-function: linear, linear, linear, linear, linear, linear, linear; border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; color: #f37805; font-family: headerfont, Georgia, 'Times New Roman', Times, serif; font-size: 2.5em; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; letter-spacing: 0px; line-height: 1.1em; margin: 0px 10px 20px; outline: 0px; padding: 0px; transition-duration: 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s, 0.2s; transition-property: background-color, border-color, box-shadow, color, opacity, text-shadow, transform; transition-timing-function: linear, linear, linear, linear, linear, linear, linear; vertical-align: baseline;">
UOB Takes a Human-Centered Approach to Rwanda’s Smallholders</h1>
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<span class="date-display-single" content="2015-02-11T09:46:00-05:00" datatype="xsd:dateTime" property="dc:date" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">11 February 2015</span></div>
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<a href="http://www.cgap.org/about/people/nick-meakin" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border-bottom-color: rgba(11, 98, 139, 0); border-bottom-style: solid; border-width: 0px 0px 1px; color: #0b628b; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">Nick Meakin</a></div>
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As Rwanda’s first and largest microfinance bank, <a href="http://opportunity.net/rwanda/" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border-bottom-color: rgba(11, 98, 139, 0); border-bottom-style: solid; border-width: 0px 0px 1px; color: #0b628b; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;" target="_blank">Urwego Opportunity Bank</a> (UOB) is constantly searching for ways to better serve those who lack affordable and reliable access to formal financial services. That is why we are partnering with CGAP, <a href="http://www.triplejump.eu/" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border-bottom-color: rgba(11, 98, 139, 0); border-bottom-style: solid; border-width: 0px 0px 1px; color: #0b628b; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;" target="_blank">Triple Jump Advisory Services</a>, and <a href="http://www.dalbergdesign.com/#dig" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border-bottom-color: rgba(11, 98, 139, 0); border-bottom-style: solid; border-width: 0px 0px 1px; color: #0b628b; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;" target="_blank">Dalberg’s Design Impact Group</a> to use a human-centered approach to designing financial products that better meet the needs of smallholder farmers - one of Rwanda’s most underserved client segments.</div>
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Nearly 75% of Rwandans are engaged in smallholder farming, including a disproportionately high percentage of those neglected by the formal financial sector. Some of the barriers to access are well-known: long distances, lacking infrastructure, low population density, etc. And like many financial institutions, UOB has turned to digital branchless banking solutions to overcome the obstacles to serving smallholder families.</div>
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By connecting our products to our innovative mobile banking service, <a href="http://www.triplejump.eu/2013/01/24/advisory-services-helps-urwego-opportunity-bank-in-rwanda/" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border-bottom-color: rgba(11, 98, 139, 0); border-bottom-style: solid; border-width: 0px 0px 1px; color: #0b628b; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;" target="_blank">mHose</a> –which runs on the <a href="http://pressreleases.visa.com/phoenix.zhtml?c=215693&p=irol-newsarticlePR&ID=1766019" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border-bottom-color: rgba(11, 98, 139, 0); border-bottom-style: solid; border-width: 0px 0px 1px; color: #0b628b; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;" target="_blank">mVISA</a> platform - UOB now has a promising channel for delivering financial services to smallholders. As a fully integrated branchless banking service, mHose allows customers to access their bank accounts using a network of agents, in addition to performing a number of other tasks (including P2P money transfers, purchasing airtime, paying electricity bills, and receiving and repaying their UOB loans). Given the versatility of mHose, mobile offerings give us the ability to serve a larger number of customers in more remote areas with a diverse range of digital products and services - all at a much lower cost than was previously possible.</div>
<div style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 20px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">
<img alt="" class="media-image" height="399" pagespeed_url_hash="1587869452" src="http://www.cgap.org/sites/default/files/resize/600x399xcgap_2014_077-600x399.jpg.pagespeed.ic.p4tpVs0vQI.webp" style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: 12px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: 399px; line-height: inherit; margin: 0px; max-width: none; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: bottom; width: 600px;" typeof="foaf:Image" width="600" /><br style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear;" /><span style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: 10px; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">Photo Credit: Hailey Tucker, 2014 CGAP Photo Contest</span></div>
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Still, even with this promising channel for delivering financial services, driving adoption of digital products among smallholders has been challenging. Despite our best efforts, facilitating the delivery of financial services via mobile has only addressed the supply side of the equation. The missing piece of the puzzle remains how to drive demand for these services; and that has led us to explore the potential of human-centered design.</div>
<div style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 20px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">
All of this isn’t to say that UOB has ignored the unmet demand for financial services among smallholders: In 2013, we launched our agricultural lending product, which represented our first entry into the smallholder market and signaled our commitment to serving all Rwandans. During the first year, our agricultural lending product provided 33,000 loans to smallholder farmers, who in turn used the funding to purchase fertilizers and selected seeds. These inputs allowed our clients to increase yields across of a range of crops, including maize, rice and Irish potatoes. Building on this success, UOB also introduced a cow loan to allow customers to benefit from the steady income stream offered by the growing market in milk consumption. More than half of the loan recipients were women, and 40% were youth under the age of 35, representing two of UOB’s core market segments.</div>
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While there is little doubt that our agricultural lending products have benefited both UOB and our clients, so far our reach remains limited to farmers who are members of agricultural cooperatives, and therefore already tightly connected to value chains. As we look to expand our outreach, the key challenge will be designing new products that meet the demand of all smallholders, while also taking advantage of mHose and other digital channels. Moving down the pyramid to serve non-commercial farmers and those only loosely connected to value chains will mean rethinking how we approach product design.</div>
<div style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 20px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">
While serving smallholder farmers represents a relatively new endeavor for UOB (and most FSPs for that matter), our desire to expand our reach into this market reflects our commitment to serving all Rwandans. In the end, using human-centered design doesn’t necessarily guarantee that we will emerge with a successful new product. But to the extent that it can help us to gain insights into the features and services that smallholders value most, it’s certainly worth a shot.</div>
<div style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 20px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">
<em style="-webkit-transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; border: 0px; font-family: inherit; font-size: inherit; font-stretch: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px; outline: 0px; padding: 0px; transition: background-color 0.2s linear, border-color 0.2s linear, box-shadow 0.2s linear, color 0.2s linear, opacity 0.2s linear, text-shadow 0.2s linear, transform 0.2s linear; vertical-align: baseline;">Nick Meakin is the Director of Project Management at Urwego Opportunity Bank in Rwanda.</em></div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-61964679794331940892014-12-31T02:24:00.002+02:002014-12-31T02:54:42.110+02:00Reflecting on the year 2014...<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPBjXe4uBFwYy-wk_DhrIya6JGXAJbnfN-pZKyQ8Jct_-X0Evk16a-vZ1Mz0xvUK5xlOsvd4wt0rN_faqlTC-3ftpVfLCTv0H8UXHI19po1XkXMefs9A2OdA3y7nFhfDFgC2g0OCH69e_0/s1600/IMG_6425.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPBjXe4uBFwYy-wk_DhrIya6JGXAJbnfN-pZKyQ8Jct_-X0Evk16a-vZ1Mz0xvUK5xlOsvd4wt0rN_faqlTC-3ftpVfLCTv0H8UXHI19po1XkXMefs9A2OdA3y7nFhfDFgC2g0OCH69e_0/s1600/IMG_6425.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The sun setting over Chobe River in Botswana...</td></tr>
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As the year 2014 is slowly but surely setting over the horizon, I reflect on all things that God has done through our life, counting the blessings He has bestowed upon us. They are countless, but the following 12 stand out:<br />
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1. God allowed me to translate an inspirational book, "Spiritual Danger of Doing Good" by Peter Greer, into Korean. The purpose was to help as many people as possible to read and be challenged by the book that was deeply penetrating into our heart to seek a pure motive for our good work. I have also written a chapter to a book on the Korean mission history. This book is scheduled to published in 2015. <br />
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2. We celebrated my father's 90th birthday. Long life is a blessing. It is even a greater blessing for the family to celebrate the long life allowed for my father. Amanda and James were able to join the celebration. We took advantage of this opportunity for a short traveling together in Korea.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY2o16foWaZH-6kI2HYfngaEOzuHei3CPm8H_kDW2w_eLgXphdZLO6zzN0sXwL986iMdgct68JJq68afbS6h71ShOOZOBhGYn9lV_yklg2XZ0QmZl78kMA3QZUSF-8xNxDagiTRnyfn2av/s1600/86400+seconds+of+gift+from+God.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjY2o16foWaZH-6kI2HYfngaEOzuHei3CPm8H_kDW2w_eLgXphdZLO6zzN0sXwL986iMdgct68JJq68afbS6h71ShOOZOBhGYn9lV_yklg2XZ0QmZl78kMA3QZUSF-8xNxDagiTRnyfn2av/s1600/86400+seconds+of+gift+from+God.jpg" height="320" width="320" /></a></div>
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3. Kristin and I were able to travel a lot in 2014 with our health sustained. The new counties we traveled to included: Jordan, Egypt, Capetown to Victoria Falls, Ecuador in addition to USA and Korea. I traveled even more for work and ministries to Cambodia, Thailand, Kenya, Tanzania.<br />
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4. I was able to complete my service at UOB for more than five years successfully and handed over the leadership to my successor seamlessly. I am so grateful to the Lord for this smooth transition.<br />
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5. Amanda and James relocated from New Mexico to Florida after James completed his 18-month training successfully. They were able to purchase a new house and I am grateful for their settling down after a mobile life of 18 months.<br />
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6. Joyce completed her 2-year volunteer service with Peace Corps in Senegal in May. She has since been blessed with a new job in San Francisco. It is another reason for me to be grateful to the faithful Lord for her safe return and new job.<br />
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7. We had an opportunity to have our own family reunion in Colorado. Amanda and James drove up from New Mexico and Joyce flew in from San Francisco. It was a short but a sweet time period that we treasure a lot.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKDTjydgSQ908wUqn7SpM0zoCUeaS-3k5Tkr6aO0YgjI0yduBEoSD44Iqv0rLLCtcBLjgW3VYkae09_MEV4ewjQrYrht6oMKL4ulafg77yL35Fh9gfZbLYYxm5mdZQ0LWaIgJHVcaof3a-/s1600/Cross+with+Jesus+shape.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKDTjydgSQ908wUqn7SpM0zoCUeaS-3k5Tkr6aO0YgjI0yduBEoSD44Iqv0rLLCtcBLjgW3VYkae09_MEV4ewjQrYrht6oMKL4ulafg77yL35Fh9gfZbLYYxm5mdZQ0LWaIgJHVcaof3a-/s1600/Cross+with+Jesus+shape.jpg" height="240" width="320" /></a></div>
8. I am grateful for several ministry opportunities in different forms, but am particularly grateful for the opportunity to serve young men and women of God through Shalom Bible Study (SBS), a disciple-making ministry for me. We paused the physical gathering in April, but resumed it on line in October. Now we are studying and meditating on God's Word through Kakao Talk because they are scattered in eight countries. May this opportunity help them grow strong in their faith and mature in their faith lives, like many faithful people who lived their lives like Jesus.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidtuAPyhkobtpr2FW5gamT8KjLZ1bip7Ssv3W4Rgu1Anxcnu_3teYsPjlSS9m8y0MnFAXS6br02f3XkY1iy5SC7DMLBX-MEr6A7b8lIzjlStcPNeYtQixv-kgG9TW8KDvQSWEqnWINFY0f/s1600/Christian+life+should+be.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidtuAPyhkobtpr2FW5gamT8KjLZ1bip7Ssv3W4Rgu1Anxcnu_3teYsPjlSS9m8y0MnFAXS6br02f3XkY1iy5SC7DMLBX-MEr6A7b8lIzjlStcPNeYtQixv-kgG9TW8KDvQSWEqnWINFY0f/s1600/Christian+life+should+be.jpg" height="262" width="320" /></a></div>
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9. I am also grateful for the opportunities to be of service for God's mission particularly through Business As Mission (BAM). I have been expanding the scope of service through learning, teaching, coaching and mentoring. I attended the 3rd BAM Consultation in Korea and also was able to help out several BAMs as they plan to take their BAMs to the next level.<br />
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May this methodology gain more traction in the field of world mission to help God's Kingdom advance on earth.<br />
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10. After completing the service with UOB in May, Kristin and I have been on a sabbatical leave, seeking to rest, reflect, read and re-focus based on God's guidance. I am grateful for this wonderful opportunity. We set the time limit for one year and I trust He will surely show us the way for us to be used for His Kingdom and purposes.<br />
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11. Even during this sabbatical leave, God has continued providing to meet our needs in His own way. I have been asked to assist several organizations through consulting and advisory services. Also, He has placed me into a Christian university in S. Korea as a visiting professor. His way is always better than and beyond our imagination.<br />
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12. We were able to sell our home in Colorado at a good price and simplify our financial life, thankfully to the Lord. We acknowledge that we are only His stewards of the time, talents, treasure and relationships which we are entrusted with, and strive to be good stewards in all under our management responsibility to bring glory to Him.<br />
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As the year 2014 is setting, I trust that a new year 2015 will come around. I am excited about the new year, joyously wondering how God will reveal His will, how He will advance His Kingdom and how we will be used for His Kingdom.<br />
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Each new day is God's gift to us. What we do with each day, God's gift, is our gift to God.<br />
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Also, each day is a brand new day that has never been lived before and is the first day of the future that God has bestowed upon us. We should make a good start of the future by living each day fully with our best efforts as if it is the last day of our earthly life and with our full trust in the Lord who is the sovereign Creator and Sustainer of the entire universe. Then, our life would be an abundant life that comes only through Jesus Christ.<br />
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May you be blessed richly in 2015 and become a great blessing to all around you!<br />
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Thy Kingdom come and Thy will be done on earth as in the heaven. Amen and amen! - Jeffrey </div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-59416468139027281542014-11-01T14:21:00.001+02:002014-11-05T17:24:48.225+02:00Ministry Update - Sabbatical Leave Six Months<div dir="ltr" style="text-align: left;" trbidi="on">
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I left Urwego Opportunity Bank of Rwanda (UOB) as of April 30th, 2014 after 63 months of service as its CEO. And I declared to be on a sabbatical leave.<br />
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The dictionary defines sabbatical leave as a leave from a regular job while remaining employed. According to this definition, I have not been on the sabbatical leave because I did not remain employed.<br />
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But, if it is defined as a time period to break away from your routine work and discern what God's will is for the next chapter of life, I will take it.<br />
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Any way, six months have since passed as of today. So I wanted to update you of what has transpired during this past six-month period.<br />
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The following summarizes what has happened for the past six months:<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWmG6I-WG0WFBxRXI8sE6P3a4DCTkl2wLyWTjbPO2eBBZ0y2_DZPgrbTSgSGRilWwWBDW8b640_sy0Iq9xb52q7S-b3ZyVecJ2lE0838j1YLewLCDL_P-eToHlvwuzbWATRVfp9IPFfde3/s1600/IMG_5469.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWmG6I-WG0WFBxRXI8sE6P3a4DCTkl2wLyWTjbPO2eBBZ0y2_DZPgrbTSgSGRilWwWBDW8b640_sy0Iq9xb52q7S-b3ZyVecJ2lE0838j1YLewLCDL_P-eToHlvwuzbWATRVfp9IPFfde3/s1600/IMG_5469.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Do we look like a nomad couple?</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Group photo after the trip</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEJEQslMo4-EiRtw7ggSWTbhHKuVbWNhsnqNLOLTD9qsB0Or00UpLZkFILiz88bDbdo1SwQ1NLxnouDj7MA5Q_VT7yRSG89uRebg0UF7gYt3J3TQeJYHixB4PbJqTzUXJzlFDOS_I2CLel/s1600/IMG_6561.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEJEQslMo4-EiRtw7ggSWTbhHKuVbWNhsnqNLOLTD9qsB0Or00UpLZkFILiz88bDbdo1SwQ1NLxnouDj7MA5Q_VT7yRSG89uRebg0UF7gYt3J3TQeJYHixB4PbJqTzUXJzlFDOS_I2CLel/s1600/IMG_6561.JPG" height="300" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Majestic aerial view of the Victoria Falls</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Picture perfect scenery at Okavango Delta</td></tr>
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1. We took a three-week overland trip from Cape Town, South African to Victoria Falls, Zimbabwe. The trip had a total of 18 people including two couples of our friends from New York and went through Namibia and Botswana. It was rough at times, particularly dusts in Namibia, but overall it was a fantastic and memorable experience. Namibian deserts, Himba tribes, Okavango Delta in Botswana, Moremi crossing, Chobe river safari in Botswana and Victoria Falls in Zimbabwe were the highlights. (May/June) <a href="http://jandkleeontheroad.blogspot.com/2014/06/trip-from-cape-town-to-victoria-falls.html">If you are interested in reading more about this trip, please click here.</a><br />
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2. We had a family reunion in Colorado. All our children came and enjoyed our time together up in the beautiful Rocky Mountains. In May, Joyce finished her volunteer service with Peace Corps in Senegal and joined us right after she accepted an offer for employment with a high tech company in San Francisco. We also visited with our friends in Denver, New York and Atlanta. (July/August)<br />
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<tr><td class="tr-caption" style="text-align: center;">Selfie for our family</td></tr>
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3. I agreed to assist Access to Finance Rwanda (AFR) and Association of Microfinance Institutions of Rwanda (AMIR) in making recommendation on improving regulatory environment for microfinance institutions in Rwanda. This project commenced in June and has continued on and off up to even today. I was glad to be of help. (June - November)<br />
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4. I attended the Third Business As Mission (BAM) Consultation held at Mt. Seorak in Korea in September. It was the second time attendance for me and I was able to meet a lot more people than last year. It is always encouraging to meet up with the like-minded people on creative world mission. (September)<br />
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5. I taught 26 students from 18 countries for two weeks at Handong Global University, Pohang, Korea on the subject of "Microfinance for Sustainable Development." It was an intensive teaching for these students studying for a master's degree in global development and entrepreneurship. The teaching experience was uplifting and I was named a visiting professor for Handong. (September/October)<br />
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<tr><td class="tr-caption" style="text-align: center;">With 26 students from 18 countries</td></tr>
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6. I ministered to the young adults and adults at Gimhae First Church in Gimhae over the weekend while I was teaching at Handong. This church is shpherded by Pastor Yongsik Ahn, who was the senior pastor of Emmanuel Mission Church in Los Angeles where I was a founding member in 1993. Our reunion was joyous and their hospitality was warm and welcoming. (September)<br />
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<tr><td class="tr-caption" style="text-align: center;">With Rev. and Mrs. Yongsik Ahn</td></tr>
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7. I have agreed to provide a diagnostic evaluation of Rz Manna Rwanda's financial management and internal control. Rz Manna Rwanda was established as a social enterprise by Handong Global University, sponsored by KOICA. It has been recognized as a top quality bakery and cafe in Kigali operationally, but it has lacked transparency in financial management associated with internal control. This pro bono service still continues with a hope that it will continue to operate as a thriving social enterprise even after the KOICA's support ends. (October/November)<br />
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8. While we were traveling, we were able to see many old friends and meet new friends. We are always thrilled about these opportunities. The photos below are with Shalom Bible Study members.<br />
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9. I have also agreed to serve as board members of a few Opportunity International's microfinance institutions in Africa. I have accepted this responsibility at Opportunity Kenya and Opportunity Tanzania, and I will consider up to two more locations. (September and on-going)<br />
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10. Kristin has started teaching English for preschoolers and first grade students at 2 & 5 Nursery that was established and is being run by Korean missionaries.<br />
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Even during our intended leave, God has kept us pretty busy with various ministry opportunities. We are slowly but surely seeing where God is leading us for our next chapter of life, but we remain still prayerfully trying to discern His will.<br />
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Thank you for reading this update and your continuing to stand with us.<br />
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Gratefully in His service,<br />
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Jeffrey and Kristin Lee from Kigali, Rwanda<br />
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com2tag:blogger.com,1999:blog-7543199724111289424.post-72290043183295939562014-05-01T23:18:00.000+02:002014-05-01T23:57:37.328+02:00Last Ministry Updates in Rwanda - March/April 2014<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td class="tr-caption" style="text-align: center;">Ah... Rwanda... the land of thousand hills...</td></tr>
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In March, Kristin and I have been taking our annual leave, the last one while I am affiliated with UOB. Even while we have been traveling, the work continued and I have had to be involved in the activities remotely.<br />
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The following are the highlights of March 2014:<br />
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1. Since we left Rwanda in February, Kristin and I have been privileged to travel to Jordan, Egypt, Denver and Korea. Now we are in Los Angeles. After a 5-day visit and another night stay in Denver, we will return to Rwanda. We look forward to coming home in Rwanda. God has blessed us with His traveling grace and we are grateful for the traveling opportunity.<br />
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2. Our trip to Jordan and Egypt helped us bring the bible to come alive. Many historical sites and facts helped us understand the bible better. <br />
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3. Jeffrey shared the message at Logos Central Chapel, Denver on Friday and Sunday. God inspired and challenges us all for the Great Commission to be His disciples and the light of the world until the Lord returns.<br />
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4. While we were in Denver, the primary objective was to take physical and dental examination. With God's grace, we received a clean bill of health, mostly. Praise the Lord!<br />
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5. Amanda and James joined us in Korea, primarily to celebrate the 90th birthday of Jeffrey's father. His long life on earth has been a blessing to us all as well as to him. We also traveled to Jeju Island, Busan and DMZ, particularly for James who visited Korea for the first time.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6EaoIbYJGpLkF8-kTPpTnvgTEPwG1P3ci391trhHBz5RiDSx6u6UYDiPwOdBDgdZp69DKXhEDlCoHFIf9H6OdQPQmJIQb3Lq6sXiHlJm83msnTSODWEYL4KOvKymZaIOX1MqrvILgiyAt/s1600/IMG_5081.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6EaoIbYJGpLkF8-kTPpTnvgTEPwG1P3ci391trhHBz5RiDSx6u6UYDiPwOdBDgdZp69DKXhEDlCoHFIf9H6OdQPQmJIQb3Lq6sXiHlJm83msnTSODWEYL4KOvKymZaIOX1MqrvILgiyAt/s1600/IMG_5081.JPG" height="320" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Celebrating my father's 90th birthday...</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">We traveled to Korea with Amanda and James</td></tr>
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6. Kristin and I had a reunion with Shalom Bible Study alumni and Seoul and Busan. Although brief, our reunion was greatly encouraging and uplifting. Now the question is how to continue SBS Off-Line effectively.<br />
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7. T24 R12 model bank migration project go-live date has been rescheduled for May 1st. Many projects are moving along in parallel and there still are several critical projects to be carried out to meet the deadline. Please pray with us for diligent process in every front to meet the deadline seamlessly.<br />
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8. Throughout the journey, we have been meeting new people and seeing old friends/colleagues. Each and every meeting has been a blessing and inspiration. God has been working through human relationships and I trust all relationships will surely bear the fruit of God's goodness.<br />
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Also, a lot has been happening in <b>April</b> after we returned to Rwanda.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhowpaUjLTaSbIAyQAuHd8cYvpFfs50zPhsEIddI7QU6_MwiPozXvgE1Z22EyIVxpolBVISZrQNLz6NUL2V4fqwbkpP7xNpEaGscnIwe15ZZZLJslCnANLgZ5Mo-94EKnV499PugZ6sVify/s1600/Tineyi+Mawocha+New+UOB+CEO.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhowpaUjLTaSbIAyQAuHd8cYvpFfs50zPhsEIddI7QU6_MwiPozXvgE1Z22EyIVxpolBVISZrQNLz6NUL2V4fqwbkpP7xNpEaGscnIwe15ZZZLJslCnANLgZ5Mo-94EKnV499PugZ6sVify/s1600/Tineyi+Mawocha+New+UOB+CEO.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Tineyi Mawocha</td></tr>
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1. Foremost, God has sent UOB a new CEO. His name is Tineyi Mawocha. He is a seasoned banker from Zimbabwe, but has worked in may African countries. He is also a man of faith who has strong love and passion for the Lord. Moreover, he desires strongly to serve the underprivileged people and has a gentle heart that I felt I have been lacking. I think he is an ideal fit for the position that I have left as of April 30th. God indeed provides! In His perfect time! Praise the Lord!<br />
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2. Jeffrey has been undergoing a handover process with full documentation of all matters that he would need to know. He was introduced to staff at Home Office on Friday, April 11, and has since met UOB executive officers over dinner, introduced to expanded leadership team and met senior officers individually. Also, he has been introduced to key stakeholders in Rwanda mostly in person as well as globally via e-mail. He has also been introduced to key clients, such as KOICA and Korean Embassy. He took office on April 17th and I have been assisting him in shadow.<br />
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3. Meanwhile, T24 R12 model bank project has been progressing, but unfortunately the go-live date has been postponed again to June 1st. Sadly, I will have to hand over the project to Tineyi and his team.<br />
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4. OI UK has submitted its proposal to DFID for a grant to support UOB's agricultural program in Rwanda.<br />
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5. GIZ EnDev project has also progressed. Now the Grant Agreement and Operations Procedures Manual have been signed and UOB team has begun to take implementing actions. Praise the Lord!<br />
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6. UOB's agricultural program has been brisk with more than 8,000 farmers having benefited from UOB's production loan program during the first quarter 2014. Also, UOB is gearing up with a new product, called Post-Harvest Bridge Loan to help cooperatives and farmers who need the cash before they actually receive the sales proceeds from the buyers of their crops. UOB is also exploring the Dairy Cow loans and community development loans.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhslrGaH4JR-4ugWp_rHp92j6-XOcvpNNxLQaICYIKwSKFFd5O89byBDpIrfR1YOfIQbm5GIdNRf53jZ0QzJ9F3Cavxe6piGQ772CmKA3zv0hsz6CF0TUcYFXt7gvZiD_oU_2ao8W2y40Yz/s1600/JJL+Farewell+April+30+2014+cake+cutting+2.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhslrGaH4JR-4ugWp_rHp92j6-XOcvpNNxLQaICYIKwSKFFd5O89byBDpIrfR1YOfIQbm5GIdNRf53jZ0QzJ9F3Cavxe6piGQ772CmKA3zv0hsz6CF0TUcYFXt7gvZiD_oU_2ao8W2y40Yz/s1600/JJL+Farewell+April+30+2014+cake+cutting+2.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Cutting a cake with Kristin on the farewell gathering</td></tr>
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7. On April 30th, despite the day being the last business day of the busiest month of the year, UOB staff and the board held a farewell gathering primarily to give thanks to the Lord who has been gracious to us for the past five years or so. My wife and I felt humbled and honored to receive such a warm farewell gathering. Many bank MDs and CEOs also participated in the event. I shared a brief message about Luke 17:9,10 that urges Jesus disciples to say "we are unworthy servants; we have only done what we have been told to do." I felt exactly so. "The Kingdom enterprise much move on under the new leader as the unworthy servant leaves."<br />
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My family, friends and fellow Kingdom workers, as of yesterday, our ministries in Rwanda came to an end. I am certain that we will be called to different ministries in His time, but for now, we desire to enter into a pause, as many call it gloriously "sabbatical leave." We will discern His voice and His will for our next ministries.<br />
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Below this post, I have shown some of the photos that highlighted our life and ministries for the past 63 months in Rwanda.<br />
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I would like to thank God for all of you and thank you for all your prayer and support during the past 63 months of service. We certainly know that we could not have done our ministries without your support. For that, we sincerely thank you.<br />
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Until we talk again in whatever form it may be, may the Lord bless you, keep you and make His face shine upon you and extend His peace and grace to you, your family and all you do for Him and His Kingdom. Shalom! - Jeffrey<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjky3WjucaBPRIqSXz6Tc8IlrI9vjzez0FmMAriibiK2OAFbrn9SE3a3BCZj1lM1O8pm3QGFEQ0myEmSLsEX7VB_gcQvfMOMvOvNPrgH9lLLgRRa63Gvo3a4aUNYNUxndi5tXj7xoL-aXpD/s1600/Gisozi+Genocide+Memorial+Museum.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjky3WjucaBPRIqSXz6Tc8IlrI9vjzez0FmMAriibiK2OAFbrn9SE3a3BCZj1lM1O8pm3QGFEQ0myEmSLsEX7VB_gcQvfMOMvOvNPrgH9lLLgRRa63Gvo3a4aUNYNUxndi5tXj7xoL-aXpD/s1600/Gisozi+Genocide+Memorial+Museum.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Kigali Genocide Memorial... 250K people buried </td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJGpI2cdQ0a8_V2SusqY2cj7x79WUqfGhJtZy-dIl41YTiCO8-wJDSf__dShCfpCjS8wtyXTemD7f9pbn-Z3EGS0tpHKXrK_yt7UkbRMojIYbUaLBzLlhYDGTjDPYLws1YIKODWC1lLCC_/s1600/Rwanda+Mountain+Gorillas.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJGpI2cdQ0a8_V2SusqY2cj7x79WUqfGhJtZy-dIl41YTiCO8-wJDSf__dShCfpCjS8wtyXTemD7f9pbn-Z3EGS0tpHKXrK_yt7UkbRMojIYbUaLBzLlhYDGTjDPYLws1YIKODWC1lLCC_/s1600/Rwanda+Mountain+Gorillas.jpg" height="143" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Mountain Gorillas... unique to Rwanda, DR Congo and Uganda</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhloLyfQbmJ-HkIxjH6szO1JhYDm_kPH7bXiABqg5QYik2OwR6ktNHC6B3o0IMlZUnTBRMVZEvk66f-FTrY0N2BjWVmcWXbO3ST-X29M8S0KwDHXHa_UZ9dqkj1ovF7ez_vmSlV69a0wYT6/s1600/Paul+Kagame.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhloLyfQbmJ-HkIxjH6szO1JhYDm_kPH7bXiABqg5QYik2OwR6ktNHC6B3o0IMlZUnTBRMVZEvk66f-FTrY0N2BjWVmcWXbO3ST-X29M8S0KwDHXHa_UZ9dqkj1ovF7ez_vmSlV69a0wYT6/s1600/Paul+Kagame.jpg" height="320" width="243" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">H.E. Paul Kagame, the frontier of Rwandan renaissance</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7VRzRFQb-VVIYfUdMiUG_lBfNbQsoLi8PcVeQue763t7rqTBYAjTGVECCQZ1jvtk-kLo418cHyGBnZeGx77yM8GweeM17-_YhTG1r6Ha-Fd10VbX_FCsrHmmQdKDFbmyNqcOPn8aJ6bZU/s1600/Clients+meeting+at+HO+Backyard.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7VRzRFQb-VVIYfUdMiUG_lBfNbQsoLi8PcVeQue763t7rqTBYAjTGVECCQZ1jvtk-kLo418cHyGBnZeGx77yM8GweeM17-_YhTG1r6Ha-Fd10VbX_FCsrHmmQdKDFbmyNqcOPn8aJ6bZU/s1600/Clients+meeting+at+HO+Backyard.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Group Lending, UOB's main line of micro credit</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic3jLA6QN_TpBQLHGJDTZNpwyOvF5_LNwRRzUnENADS0t5YjyGCac-h0qOs0_Ka_jAQB0qqhSejuisynz91q0B_qu16H2C_QyPWVv0VORs33YemPl4vbUUP-Fz0NvYaL5wgp0vXtF4zJ1i/s1600/UOB+Mobile+Branch.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic3jLA6QN_TpBQLHGJDTZNpwyOvF5_LNwRRzUnENADS0t5YjyGCac-h0qOs0_Ka_jAQB0qqhSejuisynz91q0B_qu16H2C_QyPWVv0VORs33YemPl4vbUUP-Fz0NvYaL5wgp0vXtF4zJ1i/s1600/UOB+Mobile+Branch.jpg" height="157" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">UOB's mobile branch, the first and innovative solution</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPq6tV6CZW1F5Y6nO3NPL4xI9gEf2SwaxszCBnQZH0C_BylVnuKW8VNTpJP6I85aEywm0s0IZ0unjcbYavejiFwMEVejPqQo6NJQ9mtbXvQmwD88je5QpfurgcGKIbhQ6TZ-Svs8C3NPbj/s1600/Roadside+Signs.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjPq6tV6CZW1F5Y6nO3NPL4xI9gEf2SwaxszCBnQZH0C_BylVnuKW8VNTpJP6I85aEywm0s0IZ0unjcbYavejiFwMEVejPqQo6NJQ9mtbXvQmwD88je5QpfurgcGKIbhQ6TZ-Svs8C3NPbj/s1600/Roadside+Signs.JPG" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Road side signs installed all over Rwanda</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvCgx6cQKjtaAcCkhlvP1zYTpcGrfkdn99mvrb2JJAN1afp5mx1CJkc5yyWRVCqJPallDclxGwCPigxv51wpjVy0vyfaNJm5cmbkd0AnCf5UEDYNbD_Ww38yqKM3SfeJyko1W3j1YCOmTh/s1600/UOB+Grace+Card.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvCgx6cQKjtaAcCkhlvP1zYTpcGrfkdn99mvrb2JJAN1afp5mx1CJkc5yyWRVCqJPallDclxGwCPigxv51wpjVy0vyfaNJm5cmbkd0AnCf5UEDYNbD_Ww38yqKM3SfeJyko1W3j1YCOmTh/s1600/UOB+Grace+Card.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">UOB Grace Cards</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf_vKN6rWLqijtdF1M7BcoCgFUy0DFkSogXYWeZixOi9ru1NqbfjZ5F8O0G82NsFTqqgq25xuz8gEFJ1-qcqNYwidzmkrcdOaK7-k6MftQMCQA-aoqY9c0-HwZue6leW9ZVaQaIeuMQjKt/s1600/mVISA+billboard.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf_vKN6rWLqijtdF1M7BcoCgFUy0DFkSogXYWeZixOi9ru1NqbfjZ5F8O0G82NsFTqqgq25xuz8gEFJ1-qcqNYwidzmkrcdOaK7-k6MftQMCQA-aoqY9c0-HwZue6leW9ZVaQaIeuMQjKt/s1600/mVISA+billboard.JPG" height="320" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">mVISA, the world's first interoperable mobile banking</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilzq9xhXKiScto9OgbSds48RYNwFy-AFvxmy-gsvLalBHf0lnfUQYMfNBBZ-u_B8knJWddvpfRIKysjAnjATVw92-C-HlhwnyK_T50SrLIPJyOZ7yXId4mgb04Jy2WA8PMLuAKEofFdR5Q/s1600/mHose+Press+Conf+Aug+2013.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilzq9xhXKiScto9OgbSds48RYNwFy-AFvxmy-gsvLalBHf0lnfUQYMfNBBZ-u_B8knJWddvpfRIKysjAnjATVw92-C-HlhwnyK_T50SrLIPJyOZ7yXId4mgb04Jy2WA8PMLuAKEofFdR5Q/s1600/mHose+Press+Conf+Aug+2013.JPG" height="320" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">mHose, an enhanced version built on mVISA</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEUULY2qMfLhPUxdcyMkwukIvIFh7ikSgFp7smHrF_zbO9k0PhD5VWUIZnucKAw9imlVnfCtk_tCuufkck3xuFAoqcbl7ySgjceBh3mGuPhSnVfjV6xyugC6bmUhBBOq5rDLLUjOD_MXuG/s1600/UOB+logo+wall.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEUULY2qMfLhPUxdcyMkwukIvIFh7ikSgFp7smHrF_zbO9k0PhD5VWUIZnucKAw9imlVnfCtk_tCuufkck3xuFAoqcbl7ySgjceBh3mGuPhSnVfjV6xyugC6bmUhBBOq5rDLLUjOD_MXuG/s1600/UOB+logo+wall.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Gisozi Branch Grand Open... </td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8nHNG8Auvi6IL92cQLJKfH2jzNxtMMuCQO4LegOQvxno6A-0Bj_Ddqix4dg3ZQqKaNwICXBkL29ckik3VEgsZ9oNYetOSwqgqoVsd8PZEEWr9gJpsU5ACLnoxN7nPWcMnNYTlcvkApvpz/s1600/Promising+PPP+to+clients.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh8nHNG8Auvi6IL92cQLJKfH2jzNxtMMuCQO4LegOQvxno6A-0Bj_Ddqix4dg3ZQqKaNwICXBkL29ckik3VEgsZ9oNYetOSwqgqoVsd8PZEEWr9gJpsU5ACLnoxN7nPWcMnNYTlcvkApvpz/s1600/Promising+PPP+to+clients.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Delivering UOB's 3 P's of difference</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgflX5aghaFSeq7WaU93QLdar6pRh8Z-afYpAmhUYygibDMFSYh5jxJqvfoeJqfulnlqrf1JEvYg62X_AEFbHIXdVtyAlkGgkQMxP5BL6IXV7sHcpezGIQYRfgqKpn3JDXFyrNwc-VXlNq6/s1600/Group+photo+2.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgflX5aghaFSeq7WaU93QLdar6pRh8Z-afYpAmhUYygibDMFSYh5jxJqvfoeJqfulnlqrf1JEvYg62X_AEFbHIXdVtyAlkGgkQMxP5BL6IXV7sHcpezGIQYRfgqKpn3JDXFyrNwc-VXlNq6/s1600/Group+photo+2.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Leadership Retreat with expanded leadership team</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZqcoaHo34RBJmGdsH8WgZH3i5-k89TkXh7Mz_VmbhiwEl0VJAGgmlSfSd353U0TBmF6PQt-lxyCL5GGqzSNnDHfcxSKrNBnAiMqGNRYoLZA-L08GfOa4jICRqRkBiZzGGOBxCNvt7TMnO/s1600/JJL+coaching+what+needs+to+be+done+for+biz+idea+voting.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZqcoaHo34RBJmGdsH8WgZH3i5-k89TkXh7Mz_VmbhiwEl0VJAGgmlSfSd353U0TBmF6PQt-lxyCL5GGqzSNnDHfcxSKrNBnAiMqGNRYoLZA-L08GfOa4jICRqRkBiZzGGOBxCNvt7TMnO/s1600/JJL+coaching+what+needs+to+be+done+for+biz+idea+voting.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Working with the small group</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxSk4r6nZMmnrvnHKIyH6Oe-ITbTaxsfUlCGNIRDKvrwD1zhSuxyqVR9dLsPMlxw8yfWPY7P_jEcnTOuurDW0vZXk7_eezjoYOKzce80gbQ_i64g5SaGxZSYkMczb_AJujthtMtpVEWhKP/s1600/UOB+Gospel+Singers+2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxSk4r6nZMmnrvnHKIyH6Oe-ITbTaxsfUlCGNIRDKvrwD1zhSuxyqVR9dLsPMlxw8yfWPY7P_jEcnTOuurDW0vZXk7_eezjoYOKzce80gbQ_i64g5SaGxZSYkMczb_AJujthtMtpVEWhKP/s1600/UOB+Gospel+Singers+2.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">UOB Day... celebrating God with colleagues</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizSfxrbiVzWMW2X3n-qje-9WH9w-m8O8GRAsHeupBH3wVoDdcyVFmMwMDjwLhOtQKsDXJENXb9FAzQGPSPBOy07cwIHp-grEViKqDzZEgDr0_0UpIM-pEwKr2f-6LFcEBl-rIqTq3gK591/s1600/Group+photo+after+the+UOB+Day.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizSfxrbiVzWMW2X3n-qje-9WH9w-m8O8GRAsHeupBH3wVoDdcyVFmMwMDjwLhOtQKsDXJENXb9FAzQGPSPBOy07cwIHp-grEViKqDzZEgDr0_0UpIM-pEwKr2f-6LFcEBl-rIqTq3gK591/s1600/Group+photo+after+the+UOB+Day.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">After UOB Day...</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvF0a7fV9p7Onn13cIfyKdKjDnr4cPJ-SBfbGM_OM5ybf4eJmlaX-yiQNnDtQoMeKFaSF0vcda3GwutBpKXfKsXyeol74I1GZsbafYgMG9ZrewtwD-n5rXuuNDBFZOIbgcZCinQSrGQOXS/s1600/Sun+King+Solar+Lamp+1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvF0a7fV9p7Onn13cIfyKdKjDnr4cPJ-SBfbGM_OM5ybf4eJmlaX-yiQNnDtQoMeKFaSF0vcda3GwutBpKXfKsXyeol74I1GZsbafYgMG9ZrewtwD-n5rXuuNDBFZOIbgcZCinQSrGQOXS/s1600/Sun+King+Solar+Lamp+1.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Solar energy loans to rural farmers...</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_HOcZw9HpJxFYMy2YIoffwQxJveInkN1kXVGzbYW43b1sFRrvZrbc6uS7syLgQUpA2sZDpCUsbFg4S2vu2EsLCbY2Zd-tXdXKgrN1g84Gw-aj2UNX5WKfyzRc9E464U2ktrEjNS4jouip/s1600/3.Rice+plantation+in+KIABR.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_HOcZw9HpJxFYMy2YIoffwQxJveInkN1kXVGzbYW43b1sFRrvZrbc6uS7syLgQUpA2sZDpCUsbFg4S2vu2EsLCbY2Zd-tXdXKgrN1g84Gw-aj2UNX5WKfyzRc9E464U2ktrEjNS4jouip/s1600/3.Rice+plantation+in+KIABR.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Rice field... agricultural production loan is a strategic product for UOB</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCmaZbFojfNgRVnGfqswKVOlpYpfcTBlkYdJrujwKHM7fBBNln4d5CCXrQwP0LPFrOnUmaPRfyjhrWOZIZmHDFui4yxcwU-pbaT_Vjcpt1hJvbsB61oouHT82rCzRyi2t7uAnqlF3q3mk0/s1600/God+Provides+DVD.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCmaZbFojfNgRVnGfqswKVOlpYpfcTBlkYdJrujwKHM7fBBNln4d5CCXrQwP0LPFrOnUmaPRfyjhrWOZIZmHDFui4yxcwU-pbaT_Vjcpt1hJvbsB61oouHT82rCzRyi2t7uAnqlF3q3mk0/s1600/God+Provides+DVD.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">God Provides DVD translated into Kinyarwanda... part of spiritual transformation program</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTWWAhTL-eRSifxOfq5nblo8SWb4CuKz17w9_5va9a6r-RFAla5CINGps3IkYmiKb9xJnUdxhH2Gm2lRchbk5uwlHjgtVg2JieqX8FUM9ZJuGB_zFJj7CeEmUVAWq_-GDOVPuPHvh0CC9k/s1600/Painting+in+UOB+Staff+Devotion+Place.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTWWAhTL-eRSifxOfq5nblo8SWb4CuKz17w9_5va9a6r-RFAla5CINGps3IkYmiKb9xJnUdxhH2Gm2lRchbk5uwlHjgtVg2JieqX8FUM9ZJuGB_zFJj7CeEmUVAWq_-GDOVPuPHvh0CC9k/s1600/Painting+in+UOB+Staff+Devotion+Place.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">UOB Staff Devotion provides spiritual foundation for staff...</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyJtCdKCkHQthmh4lqcbH9TAP_CSku4cOjGKGGbvgoYmfucGZk6ke7iEnLng2eo2VXjXwvlRxIhF7evPv1pvCgDqeYIkcLBH31MYv7isiWwBkm4ryyy1DSOmvLRBUTcIKSq4Uq60l0wggS/s1600/UOB+Board+March+15+2013.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyJtCdKCkHQthmh4lqcbH9TAP_CSku4cOjGKGGbvgoYmfucGZk6ke7iEnLng2eo2VXjXwvlRxIhF7evPv1pvCgDqeYIkcLBH31MYv7isiWwBkm4ryyy1DSOmvLRBUTcIKSq4Uq60l0wggS/s1600/UOB+Board+March+15+2013.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">UOB board of directors,,, the body of governance</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI_tMVHBJYl_-OLQz5PxKKN4uDcOxnzUJDuzdDX1COQWnpJ1d8eVpwWnA5ylp7jZnHxrfmjaLnWb4NbghRl0_yGQLdFlzK28zzfxozONno_u3-K_kHLvxM3r4pNJfjfpTe-dihJ_tcJ90V/s1600/Borrowed+Talents+for+UOB+July+2013.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI_tMVHBJYl_-OLQz5PxKKN4uDcOxnzUJDuzdDX1COQWnpJ1d8eVpwWnA5ylp7jZnHxrfmjaLnWb4NbghRl0_yGQLdFlzK28zzfxozONno_u3-K_kHLvxM3r4pNJfjfpTe-dihJ_tcJ90V/s1600/Borrowed+Talents+for+UOB+July+2013.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">UOB benefited from many borrowed talents like these people</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxmQ3_5Ksbrn0ByG9SfaoTegASAmOrA2Y4QBsSZJD0owXmLVaGwuUyZgsu82-JAcZCPU4jOkT3CP0qP9-kof7Ncp9bWXkwAqVGkM-2_3516wyF1IDjZEdjUXrOqAcDDXYy61gT_oSWbOXc/s1600/UOB+Home+Office.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxmQ3_5Ksbrn0ByG9SfaoTegASAmOrA2Y4QBsSZJD0owXmLVaGwuUyZgsu82-JAcZCPU4jOkT3CP0qP9-kof7Ncp9bWXkwAqVGkM-2_3516wyF1IDjZEdjUXrOqAcDDXYy61gT_oSWbOXc/s1600/UOB+Home+Office.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">UOB Home Office...</td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhytDI5ZR-mHHl9GCw8_55ZtP75TypiFjfEXkKIAC4D6j3xMW9ENTVPB4cnjnJHUSDGXBkQhxm_OueZkFTPa5iBomDcfUvtJLDTQyOoiL-Fipc1HCEukAtDVyug6WTWb7TK9JcpJ392pmDH/s1600/Agape+Korean+Church+after+Chrisstmas+Service+2012.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhytDI5ZR-mHHl9GCw8_55ZtP75TypiFjfEXkKIAC4D6j3xMW9ENTVPB4cnjnJHUSDGXBkQhxm_OueZkFTPa5iBomDcfUvtJLDTQyOoiL-Fipc1HCEukAtDVyug6WTWb7TK9JcpJ392pmDH/s1600/Agape+Korean+Church+after+Chrisstmas+Service+2012.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Agape Church Rwanda...</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHBI08Ab_sAkToWWAqpwhbxqJHSj-5tNFg7Zx3Zpe2bQ9c84CGDXpSNtUHgO_60DOVeBPvqOczI7uIHCDEZvZbFHFcbhPIx8WmSFaq2wLLsKd9tfXPrZw7DjzKx2ou2KQRIMFlP4y0T35h/s1600/Sermon+on+God%2527s+Love+on+March+24+2013.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHBI08Ab_sAkToWWAqpwhbxqJHSj-5tNFg7Zx3Zpe2bQ9c84CGDXpSNtUHgO_60DOVeBPvqOczI7uIHCDEZvZbFHFcbhPIx8WmSFaq2wLLsKd9tfXPrZw7DjzKx2ou2KQRIMFlP4y0T35h/s1600/Sermon+on+God%2527s+Love+on+March+24+2013.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Preaching the Word of God...</td></tr>
</tbody></table>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibqusHhO10fRg3XJ16X1bKy0GEzI8pS34j6NpwBl2ElZAQ7lrIZp7Yb2JRGlKW2XQ6OxicG2AFIyKn8gfCDQm2N3wAsh9UlGXFdO9DjFZI43UTZGJXIJQEFIwfItn9NrK-c22txvSmqKeU/s1600/Jeffrey+at+Pohang+Joy+Church+Sept+2013.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibqusHhO10fRg3XJ16X1bKy0GEzI8pS34j6NpwBl2ElZAQ7lrIZp7Yb2JRGlKW2XQ6OxicG2AFIyKn8gfCDQm2N3wAsh9UlGXFdO9DjFZI43UTZGJXIJQEFIwfItn9NrK-c22txvSmqKeU/s1600/Jeffrey+at+Pohang+Joy+Church+Sept+2013.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Ministering to God's people at churches</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0uxMbDUs28gkuguzRtvL_P4gO5GCIodwk9etMQQ0hPuPD9FEzC2P7A6k3go2R4Y5ubdtuU3IS2VFZsv2N7Yv-Ui45k120Bo-jG7jh89uZ4dmiswdiGFyc8tkSXsLgworGpWJM6_bmgfbK/s1600/11+July+25+2013+l+Yaramba+Nursery+whole+building.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0uxMbDUs28gkuguzRtvL_P4gO5GCIodwk9etMQQ0hPuPD9FEzC2P7A6k3go2R4Y5ubdtuU3IS2VFZsv2N7Yv-Ui45k120Bo-jG7jh89uZ4dmiswdiGFyc8tkSXsLgworGpWJM6_bmgfbK/s1600/11+July+25+2013+l+Yaramba+Nursery+whole+building.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Yaramba Nursery in Gicumbi... for 60 students</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTxgcak7oez0jAHHrvkRkyUWlteIUUMX0HxpolQKb1ublrkOKunxE44uVmhz7Od4cGMydk31hna2itCS-J-ebdHumSOizjJxEwnf_ot_nCQsfURzyKS_oPEnnC-2_9qbe-bnecJlVMFFsT/s1600/12.+Nov+16+2013+r+four+happy+children.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTxgcak7oez0jAHHrvkRkyUWlteIUUMX0HxpolQKb1ublrkOKunxE44uVmhz7Od4cGMydk31hna2itCS-J-ebdHumSOizjJxEwnf_ot_nCQsfURzyKS_oPEnnC-2_9qbe-bnecJlVMFFsT/s1600/12.+Nov+16+2013+r+four+happy+children.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Four of them on the grand opening day...</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpdAKoz3BpVnq2bBng4fT_sLWCHbruUwinOZK9aX7oPNxRyl0KKRiFeIvUuPrt4rL5e5QY9xs4ilTALkRTq2fd5u6IPOa468Wth8hFo8lAN6HseqF0tsQowqtTdDkzuB-OikQTwoM2AhBO/s1600/SBS+July+2013.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpdAKoz3BpVnq2bBng4fT_sLWCHbruUwinOZK9aX7oPNxRyl0KKRiFeIvUuPrt4rL5e5QY9xs4ilTALkRTq2fd5u6IPOa468Wth8hFo8lAN6HseqF0tsQowqtTdDkzuB-OikQTwoM2AhBO/s1600/SBS+July+2013.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Shalom Bible Study was a disciple-making ministry</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNSkxqyjGq__zXTtbE24pqFDVdS6BMiUIpiuJMZWqFB7Tgm2BxoHtUaRS6rVp2xgBci6lxsttK19CasqgYov0MGUp4hQKCZN6P_OJIaEHwDMN3NyEozfwkFF0rqCdLKyPIzSZbAda78Odx/s1600/Book+SDDG+in+Korean.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNSkxqyjGq__zXTtbE24pqFDVdS6BMiUIpiuJMZWqFB7Tgm2BxoHtUaRS6rVp2xgBci6lxsttK19CasqgYov0MGUp4hQKCZN6P_OJIaEHwDMN3NyEozfwkFF0rqCdLKyPIzSZbAda78Odx/s1600/Book+SDDG+in+Korean.JPG" height="320" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Korean version of "The Spiritual Danger of Doing Good"</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgls8ujYp9DFmbOzqkSvUH7iX_wmXcpnhCgqvoa-6A4ZUhXZwm4ZnhNjUMurYMeCvvP9V19M6dfsFoMqtiAdkkiVqzZp0X6Hi9bS9Tl8oe8S5QWFsyFHlVR9bjzVPbf0yaBS5WzHNseeMsy/s1600/Group+photo+3+Jan+2014.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgls8ujYp9DFmbOzqkSvUH7iX_wmXcpnhCgqvoa-6A4ZUhXZwm4ZnhNjUMurYMeCvvP9V19M6dfsFoMqtiAdkkiVqzZp0X6Hi9bS9Tl8oe8S5QWFsyFHlVR9bjzVPbf0yaBS5WzHNseeMsy/s1600/Group+photo+3+Jan+2014.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">John, David, Chantia and Sarah... recipients of scholarship</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfaz2ui0vFMuWfwlWldwejar-lvhxQ9breDo8bOV0T3yjtxiPtJSOqsKgaoUTQ54lxKd3mGM1xHNxaf1O28jilC-oKLZP8QgcqwQujkmRUrwUJz7ApKgP1cFKgedFYXY_jl4DwXwTIyja9/s1600/On+top+of+Mt+Kilimanjaro+Sept+1+2011.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfaz2ui0vFMuWfwlWldwejar-lvhxQ9breDo8bOV0T3yjtxiPtJSOqsKgaoUTQ54lxKd3mGM1xHNxaf1O28jilC-oKLZP8QgcqwQujkmRUrwUJz7ApKgP1cFKgedFYXY_jl4DwXwTIyja9/s1600/On+top+of+Mt+Kilimanjaro+Sept+1+2011.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">On top of Mt. Kilimanjaro on Sept. 1, 2011...</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0m8w6k_aa0SwAWG-dA2uPmspI6Wrg18jd6vMFxYpwNdfWBgB2sJ8PgG0gbZ76XnGpSlCiVxFGLL7OIWqrjJHU59FVEWidWaX_pJ_weyn0wNGGrQ0xFG14mr3PWkQ3VBZmU4Ob5qp4BhTK/s1600/Kristin+and+me.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0m8w6k_aa0SwAWG-dA2uPmspI6Wrg18jd6vMFxYpwNdfWBgB2sJ8PgG0gbZ76XnGpSlCiVxFGLL7OIWqrjJHU59FVEWidWaX_pJ_weyn0wNGGrQ0xFG14mr3PWkQ3VBZmU4Ob5qp4BhTK/s1600/Kristin+and+me.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">We were blessed with many travels to many countries...</td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-Kx7HoRFn4d9w8IfHB5oaw2waHKg3DCgGBI9ToBPqw6flsd7myabtjiywKMEC9Xuqw5tKamARtd25-8Z-jumlzPmVx9-hmrAvwYr_za1WWDzBb6PrAfkNAYOenXOJmJv3FmtDt2Uk98os/s1600/Plenet+Earth.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-Kx7HoRFn4d9w8IfHB5oaw2waHKg3DCgGBI9ToBPqw6flsd7myabtjiywKMEC9Xuqw5tKamARtd25-8Z-jumlzPmVx9-hmrAvwYr_za1WWDzBb6PrAfkNAYOenXOJmJv3FmtDt2Uk98os/s1600/Plenet+Earth.jpg" height="640" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The most favorite place in the universe is... the planet Earth... <br />
a precious gift from God for us to enjoy before leaving it...</td></tr>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-73493393966581348552014-04-19T19:17:00.001+02:002014-04-19T19:17:08.963+02:00Chicken Coop Update No. 2 from Senegal: Falling down and getting back up again<div dir="ltr" style="text-align: left;" trbidi="on">
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Here is Joyce's Chicken Coop Update No. 2 from Senegal.</div>
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Hello from Senegal--</div>
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It is with mild dread that I write this update. </div>
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It was smooth sailing until about two weeks ago: the chicken coop was essentially finished, yet one fateful day, the construction workers were taking a post-lunch siesta inside, and the building collapsed without any warning. Nearly all 300 villagers ran to the field and many a woman was wailing about the young men they collectively assumed were dead. Thank the stars that just one guy broke his leg and another strained his arm. The rest were fine. The cause? Termites was the conclusion. </div>
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Just the week before, <a href="http://www.lavoutenubienne.org/en" style="color: #1155cc;" target="_blank">the organization</a> had hosted an event prosthelytizing about why their mud buildings with vaulted roofs were better than typical cement ones with sheet-metal roofing, winning many hearts in the act. So to save face, they are paying the masons to return all the sand to where it came from and try again with new, different sand brought in from somewhere else. If this sounds like the most ridiculous thing you've ever heard, well, you haven't worked in international development. I'm not convinced this is the best idea, clearly, but I'll soon be leaving. So it's up to the main local counterpart to call the shots, and he has decided to give it another go.</div>
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It's incredibly disheartening to have something you've put so much into literally fall in on you, especially when people have to go to the hospital firstly, and secondly, when you let all the people supporting you down. I'm so sorry. Over here though, as E.B. White once wrote, we are continuing to wind the clock, for tomorrow is another day. </div>
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I hope to write with better news next month.</div>
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Until then,</div>
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Joyce</div>
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Building the vaulted roof.</div>
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The village chief peruses the organization's promotional material as they spread the good word.</div>
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But not so fast!</div>
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Disaster.</div>
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Shoveling the fallen bricks into a wheelbarrow...</div>
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...and returning them to the land from whence they came.</div>
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Making mud, take two.</div>
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Found feathers mixed into the manure on some green pepper plants.</div>
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<img alt="Inline image 15" class="GH" src="https://mail.google.com/mail/u/0/?ui=2&ik=8657e9f345&view=att&th=1453d8f0c428f54f&attid=0.2&disp=emb&realattid=ii_1453d677f6f28699&zw&atsh=1" style="-webkit-box-shadow: rgb(229, 229, 229) 0px 0px 0px 1px; box-shadow: rgb(229, 229, 229) 0px 0px 0px 1px;" /></div>
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A chick spotted on the farm. I was pretty chuffed to walk into a store this month and say "We'd like 200 chicks please," but alas. Maybe one day.</div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-7716191736636911592014-04-07T21:59:00.001+02:002014-04-07T21:59:06.112+02:00Kwibuka 20 ... Rwanda's Story of 20 Years...<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="margin: 0px; padding: 9px;" valign="top">On April 7th, 2004, a historical genocide began in Rwanda: a genocide that progressed at the fastest rate in human history. 10,000 lives were slaughtered a day over 100 days, totaling one million. This genocide has been now recorded officially as "Genocide against Tutsis."<br /><br />On April 7th, 2014, Rwanda commemorates the 20th anniversary, with all citizens murmuring "Never again."<br /><br />But, Rwanda does not live in the tragic pains of the past. Over the past 20 years, Rwanda has become an example of a thunder bird that relives out of ashes.<br /><br />Rwanda has recorded a remarkable success in many fronts, including economic development.<br /><br />The following article describes this success although partially focusing more on woman empowerment. So I quote it as written by Dr. Michael Grosspietsch, Executive Director of Global Engagement Institute. - Jeffrey<br /><br /><table align="left" border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%px;"><tbody>
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Commemorating the genocide - and celebrating the biggest success story of the developing world today </h3>
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<br />The world's eyes are upon Rwanda once again. Has it already been 20 years since we saw those horrific pictures in the news? Up to 1 million people killed in only 100 days? Today, on April 7, the world community has united in Kigali for the 20th commemoration of what is frequently called the 'most effective' genocide of the past century.<br /><br />And yet for many it is also a time to celebrate. Rising from the ashes of a completely destroyed country, Rwandans and their friends created what is frequently considered to be the biggest success story of the developing world today.<br /><br />Rwanda today is probably the safest and cleanest country in Africa. Corruption levels are among the lowest on the continent. Experts laud progress in healthcare and education, and the World Bank describes the country as the third easiest in Africa to do business in.<br /><br />The most remarkable success, however, might be Rwanda's efforts to empower women, whether in leadership positions or at the grassroots level. It is the only country in the world with a female majority in Parliament (currently at 64%), and it has established a 30% quota for women's participation in all decision-making bodies nationwide, from the village councils all the way up to the level of national government.<br /><br />Women were crucial to the reconstruction of Rwanda, and their hard work and commitment remains just as indispensable today. In the past few days, various excellent articles have appeared on the subject, and we particularly recommend this<a href="http://global-engagement.us7.list-manage.com/track/click?u=ca1bdf9165939db98ba6a2e09&id=86d6de75e1&e=5b097450df" style="color: #6dc6dd; word-wrap: break-word;" target="_blank">link</a>.<br /><br />In this spirit, GEI invites passionate and open-minded individuals to travel to Rwanda with our guest leader, <span style="font-family: lato, arial, sans-serif; font-size: 14.666666984558105px;">Prof. Shirley Randell, AO, PhD, in order</span> to discover just how these achievements were made possible and to celebrate women's continuing vital role in leadership in Rwanda. Click on the link below for further information and dates.<br /><br /><span style="color: #333333; font-family: arial, verdana, sans-serif; font-size: 13px; line-height: 1.6em;">Dr. Michael Grosspietsch</span><br /><em style="color: #333333; font-family: arial, verdana, sans-serif; font-size: 13px; line-height: 1.6em;">Founder & Executive Director</em><br /><em style="color: #333333; font-family: arial, verdana, sans-serif; font-size: 13px; line-height: 1.6em;">Global Engagement Institute</em></div>
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<a href="http://us7.campaign-archive1.com/?u=ca1bdf9165939db98ba6a2e09&id=d952619a15&e=5b097450df">To read this article in the original form, please click here.</a><br />
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Also, I posted a blog earlier on Kwibuka Flame. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/01/kwibuka-flame.html">To read this blog post, please click here.</a></div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-77373700001056070342014-03-13T15:13:00.001+02:002014-03-13T15:13:22.884+02:00UOB Showcased at Barcelona Mobile Congress...<div dir="ltr" style="text-align: left;" trbidi="on">
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The Mobile World Congress held in Barcelona in Spain is more or less the premier annual industry event for all things mobile.<br />
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It attracts executive officers and thought leaders of all stripes, along with around 75,000 other industry people from around the world. In recent years, development finance institutions like Gates and the World Bank have also started attending.<br />
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At the 2014 Mobile World Congress, VISA has chosen UOB's mHose mVISA to demo how VISA is progressing on the financial inclusion space. They remotely registered a couple of accounts and made a few live transactions to demo how mHose mVISA works, the world's first interoperable mobile and agent banking solution. I have been updated that it attracted a lot of attention. In the VISA's expression: "The demo was a big hit!" And we honor the Lord for His grace over this project.<br />
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Since it was launched in April 2013, mHose mVISA has signed up more than 20,000 clients and 220 agents, conducting more than 50,000 transactions a month worth more than $2 million. mHose mVISA has become a critical component to UOB's Client Service Point (CSP) strategy.<br />
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<a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2013/09/mvisa-roadshows-in-rwanda.html">For a related story about mHose mVISA in Rwanda, click here.</a><br />
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- Jeffrey<br />
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-4455348780338223582014-03-13T14:45:00.000+02:002014-03-13T14:45:37.243+02:00Chicken Coop Project in Senegal... Update #1<div dir="ltr" style="text-align: left;" trbidi="on">
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I have shared Joyce Lee's (our daughter who is serving as Peace Corps volunteer just in case you do not know who she is) chicken coop project as her last project in Senegal. Here is her update #1 and it is encouraging. - Jeffrey</div>
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Hello from Senegal--</div>
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<span style="background-color: white; color: #222222; font-family: arial, sans-serif; font-size: 12.727272033691406px;">The </span><a href="http://en.wikipedia.org/wiki/Harmattan" style="background-color: white; color: #1155cc; font-family: arial, sans-serif; font-size: 12.727272033691406px;" target="_blank">Harmattan</a><span style="background-color: white; color: #222222; font-family: arial, sans-serif; font-size: 12.727272033691406px;"> wind is having its last hurrah so it's quite dusty here. But the mangos are in bloom and we are making progress on the chicken coop.</span><br />
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First step: making bricks. Use a pick axe to dig up some dirt, add water, walk through the dirt/water combo until you have mud (<a href="http://thegrassskirtblog.com/wp-content/uploads/2011/08/i_love_lucy_-stomping_grapes.jpg" style="color: #1155cc;" target="_blank">think Lucille Ball stomping on grapes</a>--actually this could be the next spa sensation of the West). Slap it around in a wooden frame until you have a brick. Let it dry for two days. Then repeat, 3000 times. <div>
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The other pre-construction step is to look for rocks for the foundation, two trucks or 30 horse carts full. We have been feeding the horses extra to bulk up for the heavy loads. The masons and the villagers are now hard at work putting it all together. It's a bit slow going as everyone at this farm is doing this on top of regular work (pulling water out of the well, watering, harvesting vegetables, etc.).</div>
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But below are some photos for your viewing pleasure. Apologies for the lack of furry friends in this update, hopefully next time.</div>
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Until then,</div>
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Joyce</div>
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Setting the scene: the farm. The coop is being built in the back left corner.</div>
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See? Bricks drying at the construction site.</div>
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The mud stomping ground and source of the bricks. Note the horses hulking up in the distance.</div>
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Brick molds and some "boytown" (aka fly) sneakers.</div>
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Abdou, frequent wielder of the pickaxe and hunter of rocks, poses by the fruits of his labor.</div>
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Digging the foundation.</div>
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Foundation in place, the walls are now on their way.</div>
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Other action on the farm: onion harvesting.</div>
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Burgeoning mangoes, an indication that the hot season is en route</div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-16722768852590820292014-03-01T05:44:00.001+02:002014-03-01T05:44:55.746+02:00Ministry Updates - February 2014 ...P<div dir="ltr" style="text-align: left;" trbidi="on">
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February is a short month, approximately 10% shorter than usual months. So everything seems to go faster than usual. Moreover, I have begun my annual leave a littler earlier than before. So the month was really short to me. Nonetheless, even February made us fully occupied with many blessings that we experienced.<br />
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The following were highlights of the blessings we experienced in February:<br />
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1. UOB held its Annual Leadership Retreat over February 21-23. We focused on rest, reflection and renewal. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/02/uob-leadership-retreat-february-2014.html">To read more about Leadership Retreat 2014, click here.<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
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<tr><td class="tr-caption" style="text-align: center;">After the UOB Leadership Retreat </td></tr>
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2. UOB business unit leaders all signed Memorandum of Understanding on their key performance targets. This business practice ensures that we all are on the same page in expectation for performance.<br />
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3. UOB made the first truck loan to a dairy cooperative that will benefit almost 170 farmers. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/02/first-truck-loan-to-dukundamatungo.html">To read more about this story, please click here.</a><br />
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4. Rwanda's central bank (BNR) holds its conference on monetary policy and financial stability twice a year. The first of this conference in 2014 was held in February. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/02/central-banks-monetary-policy-statement.html">To read more about this conference, please click here.</a><br />
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5. UOB signed an MoU with Kirehe District, one of 30 districts in Rwanda. This MoU was about collaboration on enhancing financial services available for rural farmers in Kirehe District. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/02/mou-signed-with-kirehe-district.html">To read more about this story, please click here.</a><br />
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6. UOB received several visitors in February. They included OI Germany's Program Director, an insight group from OI US, OI Operations Program Manager, OI Operations Consultant on Spiritual Transformation Metrics, OI Africa Director of Risk, VISA management. As much as clients and UOB colleagues need to be transformed, donors also need to be inspired and transformed through their visits with clients. So we always welcome them to UOB. We consider them a blessing.<br />
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7. UOB has been approved to manage up to Euro 4 million for GIZ Energizing Development program to help project developers of village grids and solar lighting over the next two years. It is a great blessing for an opportunity to help bring energy to rural areas and also an opportunity to fund some operational activities of UOB. Praise the Lord!<br />
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<tr><td class="tr-caption" style="text-align: center;">The last SBA off-line class after 26 session on Hebrews</td></tr>
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8. Kristin and I have been serving approximately 35 people of God through Shalom Bible Study over the past five years. The last study was on the Book of Hebrews and this study ended in 26 sessions. Also it was the last session for SBS off-line. Now SBS will go on line. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/02/shalom-bible-study-sbs.html">To read more about this story, please click here.</a><br />
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9. I have also been serving God's people through preaching at three places. One of them was Agape Church Rwanda. I shared the last message at Agape Church in February. It was also the 17th and the last session for the series of "Of God" which I have been preaching about. It has been a great blessing to me personally to be of service to people of God. I still have one more chance to preach at UOB.<br />
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUDjjsfRz5omLT4NUtpGTnm1KcKT5UJXQUXK-5zFhfm4N-DMc_ETVSLHWfI1AYKSzPo85gEZouEI4OjZs2oq55l5En2mLwVWvrSIjtCrlJXBzC4W615dn_JmXcFVdYi_I3W3uRh8VsAe0z/s1600/%ED%91%9C%EC%A7%80+Final.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUDjjsfRz5omLT4NUtpGTnm1KcKT5UJXQUXK-5zFhfm4N-DMc_ETVSLHWfI1AYKSzPo85gEZouEI4OjZs2oq55l5En2mLwVWvrSIjtCrlJXBzC4W615dn_JmXcFVdYi_I3W3uRh8VsAe0z/s1600/%ED%91%9C%EC%A7%80+Final.jpg" height="320" width="222" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The cover page of the new book published</td></tr>
</tbody></table>
10. God has given me a privilege of translating an inspiring and challenging book, titled "The Spiritual Danger of Doing Good" by Peter Greer into Korean. This book has been published in February. Friends and people of God have responded with warm welcome and it is my prayer that many people get to examine their true motive of doing good through the book. Praise the Lord! <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/02/the-spiritual-danger-of-doing-good-now.html">To read more about this book, please click here. </a><br />
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11. Prayer Requests:<br />
<br />
<ul style="text-align: left;">
<li>The process of searching new CEO for UOB continues. One candidate is almost finalized and please pray that the process will come to amicable conclusion for smooth transition.</li>
<li>The challenges that UOB faces continue hindering the stability and sustainability of UOB's performance. Please pray that UOB will regain the momentum of excellence towards a new level.</li>
<li>UOB continues working on T24 R12 model bank migration project. The go-live date has now been rescheduled for May 1st. Please pray that this process will move forward as scheduled so that I may be able to hand it over to the new successor without pending issues.</li>
<li>UOB is blessed with opportunities of launching new projects such as GIZ EnDev project, but it is not an easy one but a new and challenging project. Please pray that our staff will draw strength and wisdom from the Lord to be a responsible partner for implementation. Whoever is entrusted must prove faithful. (1 Corinthians 4:2)</li>
<li>Kristin and Jeffrey are hoping to take a sabbatical leave in 2014, Lord's willing. Please pray that our hope may be granted to rest, reflect, re-energize and re-focus during this time of sabbatical leave. Please also pray that we may be able to discern the Lord's will among the options presented over time.</li>
<li>Joyce is finishing up her Peace Corps volunteering in May. She is seeking the next opportunity and please pray that she may turn to the Lord for His guidance, not just her own desire.</li>
<li>Amanda is still in transition along with her husband, James. Please pray that they will handle the transition joyfully and peacefully.</li>
<li>We will celebrate my father's 90th birthday in March in Korea. Amanda and James will travel to be part of this celebration. May this time be of joy and appreciation over God's overflowing grace!</li>
</ul>
<div>
We thank you all for standing with us in our ministry.<br />
<br />
Gratefully in His service,<br />
<br />
Jeffrey and Kristin from Kigali, Rwanda</div>
</div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-22185839851880825502014-02-27T19:19:00.000+02:002014-02-27T19:19:27.382+02:00"The Spiritual Danger of Doing Good" now translated into Korean...<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhITD_7zVa8SAebr1vj88vw0VLcO_fv6PpSQBWYKi6v0AKGww37gphdRIS9hp5X2s_pV-ATVyP6J9t2NLH5v_sq3HpT7uawFYnZtN0FPnKESFWRlVli-cU7uH3vuVGMaMz1TmpC75JArBL0/s1600/%ED%91%9C%EC%A7%80+Final.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhITD_7zVa8SAebr1vj88vw0VLcO_fv6PpSQBWYKi6v0AKGww37gphdRIS9hp5X2s_pV-ATVyP6J9t2NLH5v_sq3HpT7uawFYnZtN0FPnKESFWRlVli-cU7uH3vuVGMaMz1TmpC75JArBL0/s1600/%ED%91%9C%EC%A7%80+Final.jpg" height="400" width="277" /></a></div>
Peter Greer is the author of a book, "The Spiritual Danger of Doing Good." He is the CEO of Hope International, a network of Christian micro finance and micro enterprise development organizations operating in 15 countries. Also, he is a man of God who loves and serves God and His Kingdom through faithful ministry of serving the poor as called by Jesus.<br />
<br />
I have been trying to live a life that is in line with God's calling to do good in my life because it is the purpose of God's creation of us. (Ephesians 2:10) But when I read this book, it has pierced my heart with a challenge to examine myself for the true motive of doing good. There were a lot of hidden and subtle self-motives that need to be examined and cleansed.<br />
<br />
This experience and honest confession helped purify my ill-gotten motives over time.<br />
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It was too shameful to read and benefit from the book myself. I desired to share the book with many friends of mine who are Koreans. The only way to do it was to translate it into Korean. I have never translated any book into Korean, but with some help, I have decided to do it. With God's grace, this effort has come to fruition and the book has now been published in February.<br />
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It is only my prayer that many people benefit from this book. - Jeffrey<br />
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The following is the statement that I wrote for the book in Korean:<br />
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<span lang="KO" style="background: white; color: #222222; font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Arial;"><br /></span></div>
<div class="MsoNormal">
<span lang="KO" style="background: white; color: #222222; font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Arial;">옮기고</span><span lang="KO" style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="background: white; color: #222222; font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Arial;">나서</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 9.5pt; line-height: 115%;"><br />
<br />
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책의</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">저자</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">피터</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">그리어</span><span style="font-size: 10.0pt; line-height: 115%;"> Peter Greer</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">철저한</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">기독교</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">정신을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">바탕으로</span><span style="font-size: 10.0pt; line-height: 115%;"> 15</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">개</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">국에서</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">크리스천</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">마이크로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">파이낸스</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">사역을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">호프</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">인터내셔널</span><span style="font-size: 10.0pt; line-height: 115%;"> Hope International</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">의</span><span style="font-size: 10.0pt; line-height: 115%;"> CEO</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">다</span><span style="font-size: 10.0pt; line-height: 115%;">. Hope</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">내가</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">지난</span><span style="font-size: 10.0pt; line-height: 115%;"> 5</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">년간</span><span style="font-size: 10.0pt; line-height: 115%;"> CEO</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">섬겨온</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">르완다에</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">있는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">크리스천</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">마이크로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">파이낸스</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">은행</span><span style="font-size: 10.0pt; line-height: 115%;"> Urwego Opportunity Bank(UOB)</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">의</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">대주주</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">중</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하나다</span><span style="font-size: 10.0pt; line-height: 115%;">. </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">피터는</span><span style="font-size: 10.0pt; line-height: 115%;"> UOB</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">의</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">전신인</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">마이크로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">파이낸스</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">기관의</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책임자를</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">맡기도</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">했기에</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">우리는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">개인적으로도</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">아는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">사이이다</span><span style="font-size: 10.0pt; line-height: 115%;">. <o:p></o:p></span></div>
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<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하지만</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">내가</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">번역하기로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">결정한</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이유는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이런</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">조직적</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">관계나</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">개인적</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">친분</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">때문이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">아니다</span><span style="font-size: 10.0pt; line-height: 115%;">. <o:p></o:p></span></div>
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<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">읽으면서</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">나름</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">선한</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">삶을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">살려고</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">노력해온</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">나의</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">모습을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">너무도</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">적나라하게</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">들여다볼</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">수</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">있었기</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">때문이다</span><span style="font-size: 10.0pt; line-height: 115%;">. <o:p></o:p></span></div>
<div class="MsoNormal">
</div>
<ul style="text-align: left;">
<li><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">내가</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">선한</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">일을</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">하는</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">진정한</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">동기는</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">무엇인가</span><span style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;">.</span></li>
<li><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">겉으로</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;">
</span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">아름답게</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">보이기는</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">하지만</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">사실</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">위선의</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">가면을</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">쓰고</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">있지는</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">않은가</span><span style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;">.</span></li>
<li><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">남들의</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;">
</span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">건설적</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">비판에</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">나는</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">얼마나</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">내</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">마음을</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">열고</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">받아들였는가</span><span style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;">.</span></li>
<li><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">일</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">때문에</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">나는</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">더</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">소중한</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">것들을</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">희생하지는</span><span lang="KO" style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;"> </span><span lang="KO" style="font-family: 'Malgun Gothic', sans-serif; font-size: 10pt; line-height: 115%; text-indent: -0.25in;">않았는가</span><span style="font-size: 10pt; line-height: 115%; text-indent: -0.25in;">.</span></li>
</ul>
<br />
<div class="MsoNormal">
<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이런</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">질문들이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">급소를</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">찌르듯</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">나를</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">아프게</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">했다</span><span style="font-size: 10.0pt; line-height: 115%;">. </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">부피는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">얇지만</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">읽고</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">또</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">읽을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">수</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">밖에</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">없었다</span><span style="font-size: 10.0pt; line-height: 115%;">. </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">반성하고</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">회개하기를</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">여러</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">번</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하면서</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">조금씩</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">맑아지는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">정신을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">체험하게</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">되었다</span><span style="font-size: 10.0pt; line-height: 115%;">. </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">나를</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">자성하고</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">돌아보게</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책</span><span style="font-size: 10.0pt; line-height: 115%;">, </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">혼자만</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">읽기에</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">너무</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">아까웠다</span><span style="font-size: 10.0pt; line-height: 115%;">.<o:p></o:p></span></div>
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<span style="font-size: 10.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">한국에는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">참으로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">모양</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">저</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">모양으로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">선한</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">일을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">많은</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">사람들과</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">기관들이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">있다</span><span style="font-size: 10.0pt; line-height: 115%;">. </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">종교적이건</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">아니건</span><span style="font-size: 10.0pt; line-height: 115%;">, </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">많은</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">모습으로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">선한</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">열매</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">맺는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">삶을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">살고</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">싶어</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">사람들에게</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">통해</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">자신을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">한</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">번</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">돌아보는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">계기가</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">되었으면</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">바람으로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">번역하게</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">되었다</span><span style="font-size: 10.0pt; line-height: 115%;">. <o:p></o:p></span></div>
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<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">글쓰는</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">것이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">익숙하지</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">않아서</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">실수가</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">있을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">것이다</span><span style="font-size: 10.0pt; line-height: 115%;">. </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하지만</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">책이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">독자의</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">일그러진</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">작은</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">모습</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">하나라도</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">바르게</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">할</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">수</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">있다면</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">시간을</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">쪼개어</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">번역한</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">노력이</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">보람으로</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">느껴질</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">것이다</span><span style="font-size: 10.0pt; line-height: 115%;">. <o:p></o:p></span></div>
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<span style="font-size: 10.0pt; line-height: 115%;">2014</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">년</span><span style="font-size: 10.0pt; line-height: 115%;"> 2</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">월</span><span style="font-size: 10.0pt; line-height: 115%;"> 6</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">일</span><span style="font-size: 10.0pt; line-height: 115%;"><o:p></o:p></span></div>
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<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;"><br /></span></div>
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<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">아프리카</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">르완다</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;"> </span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">키갈리에서</span><span style="font-size: 10.0pt; line-height: 115%;"><o:p></o:p></span></div>
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<span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">제프리</span><span lang="KO" style="font-size: 10.0pt; line-height: 115%;">
</span><span lang="KO" style="font-family: "Malgun Gothic","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: "Malgun Gothic"; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">리</span><span style="font-size: 10.0pt; line-height: 115%;">Jeffrey Lee </span> </div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-48264888337936716342014-02-27T18:09:00.001+02:002014-02-27T18:09:18.551+02:00UOB Leadership Retreat February 2014...<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxmST_O2SXtW02Uys967uUmWj1e9W18nRSYccwBgiEx8Dd9Wb-nuuZF9QMnrGOgkzxfsF0h5tA9UqegZzMBQap5W6HlJWYMGQR0l-v6EoUrQPL-EuzaJ8nwEu0X0TtHK5nVukDGKAfS5Ep/s1600/Group+photo+2.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxmST_O2SXtW02Uys967uUmWj1e9W18nRSYccwBgiEx8Dd9Wb-nuuZF9QMnrGOgkzxfsF0h5tA9UqegZzMBQap5W6HlJWYMGQR0l-v6EoUrQPL-EuzaJ8nwEu0X0TtHK5nVukDGKAfS5Ep/s1600/Group+photo+2.JPG" height="300" width="400" /></a></div>
UOB holds a leadership retreat usually in February. In 2014, we held this retreat with almost 50 leaders participating.<br />
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This 2-night 3-day leadership retreat focuses on three R's: Rest, Reflection and Renewal.<br />
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Rest goes without saying much. Rest is not just doing nothing, but getting away from daily routines and immersing in the beauty of God's creation and fellowship with colleagues, better yet brothers and sisters in Christ. Through praise, prayer and preaching of the Word, we also find rest in God and in Him only. It is, therefore, a physical, mental and spiritual rest.<br />
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Reflection is on the reality of the past and the present. The cold reality of the challenges we have faced in our business operations, including but not limited to the decline in loan disbursements and loan client number, the rise in PAR, write-off and frauds, and the deterioration in operating sustainability. Also, we reflected on the upcoming big projects such as T24 R23 model bank migration project and GIZ EnDev program. Reflection gives us a sense of how weak and helpful we are and how much we need to trust and depend on God.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7wXzZl_rRCk6H5ppu0-9IMJGhoilasYb-hhs2pGhJ4-XdAe-peHQpmZTiuZtE_K2BoHzOR6LW57bbonHEiCjuFnsbqrgvxsyjpuKqXeZRMOYlNVspUn_3aRAqjXfY-AXG8NSdir1TxxQe/s1600/Discussing+sincerely.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7wXzZl_rRCk6H5ppu0-9IMJGhoilasYb-hhs2pGhJ4-XdAe-peHQpmZTiuZtE_K2BoHzOR6LW57bbonHEiCjuFnsbqrgvxsyjpuKqXeZRMOYlNVspUn_3aRAqjXfY-AXG8NSdir1TxxQe/s1600/Discussing+sincerely.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Debating on topics</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBmIi2zLWFLI7zzJL9LQfUCnhYJY3Tawm7-Ej7yvDGC1iMIQKOIx7TL3Hu89hRBCXZyrJ0SuLrF46hyphenhyphenorqGArf0lBXmquV0dk0kKw20apxo5fzth8X9-L1B9WDKas932v-xxwKwexT0_YY/s1600/Voting+for+Best+Ideas+2.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBmIi2zLWFLI7zzJL9LQfUCnhYJY3Tawm7-Ej7yvDGC1iMIQKOIx7TL3Hu89hRBCXZyrJ0SuLrF46hyphenhyphenorqGArf0lBXmquV0dk0kKw20apxo5fzth8X9-L1B9WDKas932v-xxwKwexT0_YY/s1600/Voting+for+Best+Ideas+2.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Voting for the best business improvement ideas</td></tr>
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Renewal is of the strength, the hope and dedication. We can find the true north and draw strength from the true north, Jesus Christ. This renewed strength is of Christ, by Christ and for Christ. Drawing this strength from Christ gives us a hope in that only Christ can give. The hope that eventually He will achieve what is good in His eyes. Thus, we can renew our dedication to loving Him, to responding to His calling and serving His purpose.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT08_BtlxCsFRyX3BATPbN5V4toZdWZ7IgcRx-4J5F2vdXi8x8R4rFOt9siNKwOvF5v3gK12ZURkT9LsCvUBpKE87jMF_BigvI7BLnYF7_AjQfEPltSAzTV6qmlxKCr9O764fcHbm7vTSn/s1600/Group+discussion.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhT08_BtlxCsFRyX3BATPbN5V4toZdWZ7IgcRx-4J5F2vdXi8x8R4rFOt9siNKwOvF5v3gK12ZURkT9LsCvUBpKE87jMF_BigvI7BLnYF7_AjQfEPltSAzTV6qmlxKCr9O764fcHbm7vTSn/s1600/Group+discussion.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Group discussion for business ideas</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLSLgD2P8EJ1-QlZMNNrudNsVBjkBwniO9h53SvKV2mPjf8ZHgq-v063hLKr8ME1XhZyWAEtCzmBYFlyQzNOfFy39NHtPDv-ygb_KgvKXlWpdE7mrSua4KIlrok0S40SnEsx52crsJaSZ3/s1600/JJL+coaching+what+needs+to+be+done+for+biz+idea+voting.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLSLgD2P8EJ1-QlZMNNrudNsVBjkBwniO9h53SvKV2mPjf8ZHgq-v063hLKr8ME1XhZyWAEtCzmBYFlyQzNOfFy39NHtPDv-ygb_KgvKXlWpdE7mrSua4KIlrok0S40SnEsx52crsJaSZ3/s1600/JJL+coaching+what+needs+to+be+done+for+biz+idea+voting.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Explaining the rules of the votes</td></tr>
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This was the last leadership retreat for me and it was my prayer that the good and faithful Lord equip and empower them in what they do for serving the underprivileged people of Rwanda through UOB. - Jeffrey<br />
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-37050821959968592062014-02-24T20:14:00.000+02:002014-02-28T19:21:24.895+02:00First Truck Loan to Dukundamatungo Cooperative ...<div dir="ltr" style="text-align: left;" trbidi="on">
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UOB is a micro finance bank. So its primary lending activities center around micro business loans to micro entrepreneurs to help develop micro enterprises. Trust group loans are a prevalent form of lending. There are some variations to trust group loans for experienced borrowers. Also there are loans that are for those who want to graduate from trust group loans, such as new solidarity group loans and micro business loans.<br />
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Over the past few years, UOB has taken innovative approaches in loan products by introducing education finance products, agricultural finance products and energy loan products. These have been introduced in the past.<br />
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UOB has made its first truck loan to a cooperative, named Dukundamatungo Cooperative. The truck cost was Rwf19 million of which Rwf16 million was financed with UOB's loan. This cooperative is for dairy farmers. This cooperative has 170 farmers. They all raise cows for milk production. The farmers need to transport the milk that their cows produce twice a day, but they have been lacking transportation vehicles to timely send the milk to milk collection centers or MCCs and further to the buyer or milk processing centers. This 4.5-ton truck will be used effectively to make this transportation process fast and smooth.<br />
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UOB has been working with Kiva.org to create a community loan product that is designed to help not one borrower but multiple people through a loan to a community organization, such as cooperatives, like Dukundamatungo. If this works well, we can scale up to other dairy cooperatives for this type of purpose.<br />
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May we continue our efforts to advancing the benefits we can provide for many farmers and micro entrepreneurs, Lord! - Jeffrey </div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-66675483387335660692014-02-24T06:17:00.000+02:002014-02-24T06:17:24.464+02:00MoU signed with Kirehe District... <div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgREVCuJmHDifTVriG6J-dFqbIpwX-UlE6_VBZG0iy3uXKsCROYCydDOhHA53CesUqlGJKc7xBlmmdxuDXs2WVxc4hq3_IoXSiUcfS_meQsi_CxflKrGeeYk4QoalTBqu1Ix7_46dAP9Z5D/s1600/Signing+with+Kirehe+District+Mayor+Feb+2014.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgREVCuJmHDifTVriG6J-dFqbIpwX-UlE6_VBZG0iy3uXKsCROYCydDOhHA53CesUqlGJKc7xBlmmdxuDXs2WVxc4hq3_IoXSiUcfS_meQsi_CxflKrGeeYk4QoalTBqu1Ix7_46dAP9Z5D/s1600/Signing+with+Kirehe+District+Mayor+Feb+2014.jpg" height="240" width="320" /></a></div>
Rwanda has 30 districts as municipal governments. They are decentralized and self-governing municipalities under five governors who are appointed by the central government. Districts are governed by Mayors who are elected by the citizens.<br />
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Among them is Kerihe District that is located at the far south eastern corner of Rwanda under the governor of Eastern Province. UOB has been exploring various ways to work together with Kirehe District from three years ago.<br />
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Finally, UOB and Kirehe District has signed a Memorandum of Understanding on February 21st, 2014 to expand collaboration between two organizations.<br />
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This MoU has been signed after UOB was able to provide agricultural production loans for more than 7,000 farmers in the last months of 2013 in a short notice. These farmers grow maize and rice, primarily.<br />
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Kirehe District is among top districts for growing maize, rice and beans all of which are strategic agricultural crops for UOB's agricultural financing program. Moreover, Kirehe District's Mayor has been well known for his proactive leadership and innovative approaches to excellence. For the past five years, he has made tremendous progress in several fronts, including agricultural farming and Umurenge SACCOs. Umurenge means sector and Kirehe District has 12 sectors.<br />
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UOB will explore additional possibilities to help out the farmers in Kirehe District for the purpose of expanding financial inclusion in this district. The first item on the agenda is to sign up 12 Umurenge SACCOs in Kirehe District as mHose agents. If this materialzes, citizens in Kirehe District will have much easier access to formal financial services through mobile and agent banking scheme.<br />
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May the Lord bless us with this endeavor! - Jeffrey</div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-58391152825738715752014-02-23T21:13:00.000+02:002014-02-23T21:13:14.814+02:00Shalom Bible Study (SBS)...<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td class="tr-caption" style="text-align: center;">Seonjun, Yeongsup, Jaejoon, Jonghak, Bin, Jihyun, Kristin, Jungwha</td></tr>
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Shalom Bible Study (SBS) started five years ago with three KOICA volunteers. KOICA stands for Korea Internal Cooperation Agency, Korean government agency for international cooperation and volunteers.<br />
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SBS was not a shepherding ministry but a disciple-making ministry. SBS has focused on strengthening, equipping and empowering Jesus-followers to be effective in loving and serving Jesus, particularly through godly lives that reflect the true light, Jesus Christ.<br />
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SBS has since then received and graduated approximately 35 people. Most of them were KOICA volunteers. They came and left SBS as they completed their two-year assignments. Some were residents in Rwanda, including a couple of missionaries. Also there were interns to UOB and several visitors.<br />
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What has been encouraging us is that a few of them started SBS Seoul after they went back to Korea using the same material that we have been using in Rwanda.<br />
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SBS has studied several topics, including Ephesians, Colossians, Romans, God's Names, Full Armor of God, Acts, Beatitudes, Kingdom of God, Good Steward's Financial Management and Hebrews.<br />
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The last study was on the book of Hebrews and the last and 26th session was held on Friday, February 21st, 2014. It also was the last off-line session for SBS because we have decided to go on line as we take a sabbatical leave in 2014.<br />
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<tr><td class="tr-caption" style="text-align: center;">Jooheum, Jihun and Sangmin, First members</td></tr>
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We started with Jooheum, Jihun and Sangmin five years ago and ended with the attendance of Jihyun, Junghwa, Yeongsup, Jonghak, Seonjoon, Bin and Jaejoon. In between there were many others.<br />
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SBS has been a tremendous blessing to me and Kristin. The time of fellowship has been edifying and it has helped me greatly grow in the Scriptures through thorough preparation time for the study.<br />
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On the last day, SBS members gave us unbelievably precious gifts: contemporary Korean traditional clothes. We could not meet the request to put them on, but I have included their photos here. They are invaluable gifts and we will treasure them dearly. Thank you all!<br />
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I have put some photos of SBS history, including the first group, Christmas dinner, special song at St. Etienne Christmas Carol Concert, special song at Agape Church etc. What lovely and unforgettable moments for us! Thank you, Lord, for the blessing we have received through SBS! I pray that all SBS alumni will receive your favor in living their lives as godly as you wanted them to be to be the light of the world reflecting your true light in the dark world! - Jeffrey<br />
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<tr><td class="tr-caption" style="text-align: center;">Special Song at Agape Church 2012</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Hayan Lee Send-off Nov 2013</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0EiDAfxvzAkEpUo-JIscCE3bQGtpivgmyZoesbGyiqJ6x96F52zAzTJ888JAV6lpwFZJffI7BVAGiwABSSS7g7HNfAOyj6L9NCymTnCjsB98hrHy_2DjcR8G84Db4UqFQP3lDIU8PTiDM/s1600/SBS+after+Ephesians+March+2010.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0EiDAfxvzAkEpUo-JIscCE3bQGtpivgmyZoesbGyiqJ6x96F52zAzTJ888JAV6lpwFZJffI7BVAGiwABSSS7g7HNfAOyj6L9NCymTnCjsB98hrHy_2DjcR8G84Db4UqFQP3lDIU8PTiDM/s1600/SBS+after+Ephesians+March+2010.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">SBS After finishing Ephesians March 2010</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYIGRU-U3Q7X_5d63v3zuYV9TkDzbS-97qml2GaLbr9H9mSTFfqm3fRhUQAf4ViPoGdk9yhX-ieocb5yVGionAHR2BBMJ7T0CmAnZFQM2765zdLnjdCt1b5UPSDwX7aBsRhHaQxQfpthRI/s1600/SBS+after+split+August+2011.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYIGRU-U3Q7X_5d63v3zuYV9TkDzbS-97qml2GaLbr9H9mSTFfqm3fRhUQAf4ViPoGdk9yhX-ieocb5yVGionAHR2BBMJ7T0CmAnZFQM2765zdLnjdCt1b5UPSDwX7aBsRhHaQxQfpthRI/s1600/SBS+after+split+August+2011.JPG" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">SBS after split into two groups in 2011</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXynQBdrpoJRYYavsJglUmCz3Kx7KtAyZrhMK_IoqRPYlAutBkyT9kmzcS4_0FHsHuhhCllx6bvUUd2z28QaOp5IHcCXto1cYYbN7nmIKoG_1obZB2y95MJFTGgmZo8hQcQdnxMyU-pTQu/s1600/SBS+Christmas+Dinner+2012.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXynQBdrpoJRYYavsJglUmCz3Kx7KtAyZrhMK_IoqRPYlAutBkyT9kmzcS4_0FHsHuhhCllx6bvUUd2z28QaOp5IHcCXto1cYYbN7nmIKoG_1obZB2y95MJFTGgmZo8hQcQdnxMyU-pTQu/s1600/SBS+Christmas+Dinner+2012.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Christmas dinner in 2012</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaC9HhokLo2YA0zHIlD27w6SlbnM-L9mR5hquo_uDIt6FoPoTMRa5nvLJD9Gq-ge-UbCt3bFkEIfn9Jw9lXVx3yzrsCZh_S1qxwIFU3Gz_O1Q9HocoM0PySyoAMHWKj1Fa91E1iY2uy4Wo/s1600/SBS+July+2013+b.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaC9HhokLo2YA0zHIlD27w6SlbnM-L9mR5hquo_uDIt6FoPoTMRa5nvLJD9Gq-ge-UbCt3bFkEIfn9Jw9lXVx3yzrsCZh_S1qxwIFU3Gz_O1Q9HocoM0PySyoAMHWKj1Fa91E1iY2uy4Wo/s1600/SBS+July+2013+b.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">SBS July 2013</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJJc8caf3FHr6_z9J6KTqknfT7h1aqgvR1P26aYbOt-X26DNJSnrJE2S6Hrngk93aqTB_ki1SRif5eu1A40LtYpvL2yoxQN7Q5LPBZwqR7AYJH97aEQN2ZwBqQOfr8Z3tmO5rbP8buZm90/s1600/SBS+Last+Class+2012.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJJc8caf3FHr6_z9J6KTqknfT7h1aqgvR1P26aYbOt-X26DNJSnrJE2S6Hrngk93aqTB_ki1SRif5eu1A40LtYpvL2yoxQN7Q5LPBZwqR7AYJH97aEQN2ZwBqQOfr8Z3tmO5rbP8buZm90/s1600/SBS+Last+Class+2012.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">After the last session in 2012</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEswVqlgFK3bpIjEPontLI_yCGxeIvthTe2KltGSDsQePL-jFOfJzv2aGJoPIWr8TBZWRDGrfxjJTs2s5YlNp9LKJDI5SAQs0I3qdmlRnNHyV4g0PusIrG49JN1Q6agwfMkPyIBsQVcAvd/s1600/SBS+singing+at+St+Etienne+Dec+2012.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEswVqlgFK3bpIjEPontLI_yCGxeIvthTe2KltGSDsQePL-jFOfJzv2aGJoPIWr8TBZWRDGrfxjJTs2s5YlNp9LKJDI5SAQs0I3qdmlRnNHyV4g0PusIrG49JN1Q6agwfMkPyIBsQVcAvd/s1600/SBS+singing+at+St+Etienne+Dec+2012.jpg" height="230" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Christmas Carol at St. Etienne Cathedral Carol Concert</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1agXgUokG505TLrTpPEywUNVsolMuQFtKvWlzeZmOdz2KbfdSTGyg0xymSAP-SwIfOv9g7jeQkfplj74Kupga5TfTeBiSecPVBkXJh9dgg4dS5sf8qXykAsAfi1dBS9nMjWRxPrAlwYuA/s1600/UOB+interns+at+SBS+July+2013.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1agXgUokG505TLrTpPEywUNVsolMuQFtKvWlzeZmOdz2KbfdSTGyg0xymSAP-SwIfOv9g7jeQkfplj74Kupga5TfTeBiSecPVBkXJh9dgg4dS5sf8qXykAsAfi1dBS9nMjWRxPrAlwYuA/s1600/UOB+interns+at+SBS+July+2013.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">SBS members who were Interns to UOB</td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRGqfL6CQVGGgh2Nm9tSlhQaElgIuisRaWhQTO0SLiGikIODjDO1uTGJTI4Lu3mn4b6f-zKfiSk6-QYEOCDQ3HiTwnu3KYZx1tltFWiB1nCeNG-VSkczEqj8LUzHQaZ04HYEEAo_AMDN2m/s1600/Vietnamese+Dinner+Feb+2013+2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRGqfL6CQVGGgh2Nm9tSlhQaElgIuisRaWhQTO0SLiGikIODjDO1uTGJTI4Lu3mn4b6f-zKfiSk6-QYEOCDQ3HiTwnu3KYZx1tltFWiB1nCeNG-VSkczEqj8LUzHQaZ04HYEEAo_AMDN2m/s1600/Vietnamese+Dinner+Feb+2013+2.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Vietnamese wrap dinner Feb 2013</td></tr>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-87010142037228365422014-02-20T21:30:00.000+02:002014-02-20T21:30:03.417+02:00College Tuition Loans...<div dir="ltr" style="text-align: left;" trbidi="on">
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgonyrp8o_xnzcmaxJXcAJeHD-LgCpABZwYwPJ5lj-SmNgW1FzT4U6_nsw5V4ZSSbUQMduf4-EcEIJ0LdFN3SNHOs7Ti3htN1qjwsRq7khyPBTn0YZ_UF_QcmWUrnfGyKzCFE6WNl4S3dtP/s1600/Grace+for+CTL.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgonyrp8o_xnzcmaxJXcAJeHD-LgCpABZwYwPJ5lj-SmNgW1FzT4U6_nsw5V4ZSSbUQMduf4-EcEIJ0LdFN3SNHOs7Ti3htN1qjwsRq7khyPBTn0YZ_UF_QcmWUrnfGyKzCFE6WNl4S3dtP/s1600/Grace+for+CTL.jpg" height="213" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Grace Uwantege</td></tr>
</tbody></table>
UOB has launched many special purpose loan and deposit products. One strategic area is education finance or EduFinance in short.<br />
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Under UOB's EduFinance program, UOB has launched school fee loans to provide funding for parents to pay the school tuition for their children or loved ones to be paid over a school term. UOB has financed almost 1,000 parents or 12,00 students.<br />
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UOB has also launched school improvement loans designed to help small private school entrepreneurs who provide quality schooling for children nearby. These loans are used to build additional classrooms, establish computer labs, install fences or buy land for expansion in the future. This product was pilot-tested in 2013 and is being scaled up in 2014. To date, we have provided these loans to 15 schools.<br />
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UOB has also launched college tuition loans that are designed to help students or parents finance college education costs. This product has been struggling mainly because of the uncertainty related to the job insecurity after the schooling. But we have had some success with vocational students.<br />
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Here is one story that exhibits how the college tuition loan has helped this young lady, called Grace Uwantege. .<br />
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<span style="text-align: justify;">Grace's father learned about an American institute, Akila Institute for Women, which focuses on providing first class academic training for girls about the hospitality industry. The school's tuition is expensive, but the school arranges scholarship for all students for the most of the tuition fee. Naturally, the selection process is rigorous. Grace passed the admission test.</span><br />
<span style="text-align: justify;"><br /></span>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1t2jU1RbKOcZetKn7eDnYg9pAYjiYMh-O9G5x2IOhDqgFyM8yNKVcullK7xz_8QEBK13PTkq50ArLNVmKduesuieuojOKYxQyOoAveRXfH1JvvPQ4aY7-Rt6wq_Lv80h4glRNIW2i0GUc/s1600/Akilagh+Institute+for+Women.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1t2jU1RbKOcZetKn7eDnYg9pAYjiYMh-O9G5x2IOhDqgFyM8yNKVcullK7xz_8QEBK13PTkq50ArLNVmKduesuieuojOKYxQyOoAveRXfH1JvvPQ4aY7-Rt6wq_Lv80h4glRNIW2i0GUc/s1600/Akilagh+Institute+for+Women.jpg" height="120" width="320" /></a></div>
<span style="text-align: justify;">Although Grace passed the admission test, she still had to secure a funding for the balance of the tuition fee because Grace's family income was approximately $224 per month, which was not enough to pay for Grace's tuition, plus living expenses for seven members of her family. </span><br />
<span style="text-align: justify;"><br /></span>
<span style="text-align: justify;">Grace also learned about UOB's college tuition loan program and received the loan to cover all tuition costs until graduation. </span><br />
<span style="text-align: justify;"><br /></span>
<span style="text-align: justify;">Grace completed her education, earned a good score and has been hired by Marriott Hotel as an intern to be trained in Dubai for a year. She is expected to be one of the starting staff for Marriott Hotel under construction in Kigali, Rwanda. This Marriott Hotel is the first Marriott branch in the Sub-Saharan Africa. </span><br />
<span style="text-align: justify;"><br /></span>
<span style="text-align: justify;">Here is Grace's statement:</span><br />
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“<i>To me this was a wonderful experience as I learned to live in a country
far away from my parents. My internship was successfully done and I am in
Rwanda as MARRIOTT STAFF waiting for new appointment in Rwanda, as one of the supervisors. </i><i style="text-align: left;">I am really grateful
to UOB RWANDA that decided to support young students through this kind of tuition fee loan. It just opened the new door of opportunity for me and I know I am not the only one.”</i><br />
<span style="text-align: left;"><br /></span>
<span style="text-align: left;">It is my prayer that there will be more students like Grace who can complete their college training to become contributing citizens of Rwanda. - Jeffrey</span></div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-22998246691390014372014-02-18T21:51:00.000+02:002014-02-18T21:51:11.859+02:00Central Bank's Monetary Policy Statement...<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivBBDwxzCwN-LtTWOBxh04OOQsueZEs2HmSq8jStR4JpyGvgJA49BpLU8aSVhxz9ATWelHc35_fekLNtbE6t8QeLrNIS17KRAtkhD0AcWeZ0moWFWkdm9E9aSlNMwCjDDadfZbWwrZn74z/s1600/BNR+Monetary+Feb+2014+1.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivBBDwxzCwN-LtTWOBxh04OOQsueZEs2HmSq8jStR4JpyGvgJA49BpLU8aSVhxz9ATWelHc35_fekLNtbE6t8QeLrNIS17KRAtkhD0AcWeZ0moWFWkdm9E9aSlNMwCjDDadfZbWwrZn74z/s1600/BNR+Monetary+Feb+2014+1.JPG" height="300" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Vice Governor, Governor and Chief Economist</td></tr>
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National Bank of Rwanda (BNR) is Rwanda's central bank. It holds a conference to update on the monetary policy and financial stability twice a year.<br />
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On February 12th, BNR held its semiannual conference on the topic as of December 31st 2013.<br />
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Despite the macro economic challenges Rwanda faced in 2013, Rwanda continued its growth with an estimated 6.5% growth in GDP. That is a tremendous progress in light of the significant challenges many people and institutions suffered last year. Meanwhile, Rwanda's inflation remained well tame at 3.5% in December 2013.<br />
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Rwanda's currency devalued a little faster than before mainly because the foreign currency supply was disrupted while the demand remained stable. It devalued approximately 6% against USD, 8% against GBP and 10% against EURO. But Rwanda registered a healthy growth in exports while keeping the imports low, thus improving the import coverage to 25%. Including the informal trade primarily with Burundi and DR Congo, this ratio improves even further.<br />
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Due to sluggish economy, BNR loosened up its monetary policy by lowering the key repo rate to 7% from 7.5%, thus easing the money supply. Bank credits increased 15%, a healthy gain, despite the sluggish economy, although bank credits centered around hospitality industry and tourism.<br />
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Meanwhile, ATMs, branches, agents continued to increase in 2013, thus expanding the delivery channel.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlV4cSxcgfuTOIJMGnejmJrjU4sRj-yaNWR1nPDujx5aDeIemYKzYYuUAmfOworKYJxmMQ65B_b_RKNcBZ3AfQoMLt4uFDceEkr4pokWAWsAgVpH3DdLieFBv8q-VzCbvOpWuGQGGGFR20/s1600/BNR+Monetary+Feb+2014+2.JPG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlV4cSxcgfuTOIJMGnejmJrjU4sRj-yaNWR1nPDujx5aDeIemYKzYYuUAmfOworKYJxmMQ65B_b_RKNcBZ3AfQoMLt4uFDceEkr4pokWAWsAgVpH3DdLieFBv8q-VzCbvOpWuGQGGGFR20/s1600/BNR+Monetary+Feb+2014+2.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Participants</td></tr>
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<br />
Rwanda continues the cruising and praise the Lord!<br />
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People enjoy attending this conference. Almost everyone who is interested in Rwandan economy and monetary policy attends. This time the attendance was the record high. Even government ministers and parliamentary members attend, in addition to news media and those who are working in the financial services industry.<br />
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2014 is expected to see a better performance overall. It is my wish to see the country to continue developing and improving until it shines like a star among developing countries and until it is recognized by the world for what the country has done over a few decades after the tragic genocide. - Jeffrey </div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-63105961433488353072014-02-16T14:06:00.003+02:002014-02-16T14:06:48.172+02:00Pico Hydraulic Power Plant...<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOSWJyLlqq0DpYyNvCKKnlRdRN4NdBnn4gLUCDzKRsPYVzbdxu_d0od_Mk5g05Ag-q7FDZBnxOTt-PaoecbblD1WSMe-3GgBRR0Qmitu3ROIA0Vr51sjikH80oPUBGFK15dKJ-KfIbM9uB/s1600/pico+site+12kw+plant+Feb+2014+4.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOSWJyLlqq0DpYyNvCKKnlRdRN4NdBnn4gLUCDzKRsPYVzbdxu_d0od_Mk5g05Ag-q7FDZBnxOTt-PaoecbblD1WSMe-3GgBRR0Qmitu3ROIA0Vr51sjikH80oPUBGFK15dKJ-KfIbM9uB/s1600/pico+site+12kw+plant+Feb+2014+4.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">This is the pico hydraulic power plant</td></tr>
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Rwanda is short of electricity. It is a developing country and the demand for the power has been rapidly increasing. But the supply of the power has not increased as rapidly despite the government's efforts to diversifying the sources of power, including methane gas extraction, hydraulic power plants, charcoal power plants.<br />
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In addition to these on-grid power generation and supply, the government has encouraged developers to establish off-grid village power plants. The most popular type is pico hydraulic power plants. It is called pico because of its micro size of the capacity to generate the power. Typically, this pico type includes any micro hydraulic power plants up to 50 kw.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLCQsShCTbyAtTQSQkGyBWHemVMUZ_Y6ZVRUbl2dDmRQ5tfXpgf14CciqEnQIEx4JOHQrwDETeriavKe6856qgclvqy2i4nSTh0MxjE64cSOKsFN_Zr31rex2uxXpYmO8x5zLYgDLc7nPV/s1600/Pico+site+1+Feb+2014.JPG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLCQsShCTbyAtTQSQkGyBWHemVMUZ_Y6ZVRUbl2dDmRQ5tfXpgf14CciqEnQIEx4JOHQrwDETeriavKe6856qgclvqy2i4nSTh0MxjE64cSOKsFN_Zr31rex2uxXpYmO8x5zLYgDLc7nPV/s1600/Pico+site+1+Feb+2014.JPG" height="320" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Water channel to collect water</td></tr>
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UOB received approval from GIZ EnDev program to be the financial institution to manage up to Euro 4 million to support project developers of these pico hydraulic power plants and suppliers of solar lighting. GIZ is the German government's implementing organization of various international development projects. EnDev stands for Energizing Development covering all aspects of development projects that may help and enhance the livelihood of the target countries. The funding organization is Department for International Development, the United Kingdom's agency for international development. DFID has six pilot projects to support the energy development around the world and two of them are in Rwanda: village grids and solar lighting.<br />
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Pico hydraulic power plan works this way. The operator detours water through a channel and collect the water at a pool at least 20 meters of height. From this pool, the water is dropped through a pipe unto a turbine to produce energy to generate the power.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLuL8yFHER56zqwbwulexcdfBefGQZLdw9zBrkjFtgrPs2-xFbU4kX1CVZ6w8QwQlB46sxUEiUu_moO3CaQQYYU-WooScGy_qRHBuSLV2i4poWzhed9j3fO5wzf0pWcrfpYhAMk1x9iZDY/s1600/Pico+site+field+visit+team+Feb+2014+3.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgLuL8yFHER56zqwbwulexcdfBefGQZLdw9zBrkjFtgrPs2-xFbU4kX1CVZ6w8QwQlB46sxUEiUu_moO3CaQQYYU-WooScGy_qRHBuSLV2i4poWzhed9j3fO5wzf0pWcrfpYhAMk1x9iZDY/s1600/Pico+site+field+visit+team+Feb+2014+3.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Field visit team</td></tr>
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It is a great honor that they chose to work with UOB, but this area is a new field for UOB. So we took a field visit to see how the pico hydraulic power plant works on February 13th. The team comprised myself, UOB's chief operating officer, loan underwriting team leader, Dr. Lee who is specialized in electrical engineering, along with three people from GIZ.<br />
<br />
We visited one in Nyamagabe District in a deep village. This particular plant's capacity is 12 kw and is barely serving the needs of 28 users. Specialists found that the wiring was poorly done, resulting in voltage drop during transmission, and the turbine may not be functioning properly because it was not installed properly. These represented an opportunity for the village to benefit from this EnDev program. The executive secretary of the sector was excited to hear that they may improve their power generation and supply for the village.<br />
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We have come back with a hope that this project could benefit many people in the village with the electricity. May the Lord bless us in the design and implementation phases of this program. - Jeffrey</div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-73039614608921751752014-02-01T16:32:00.000+02:002014-02-01T16:32:05.498+02:00Ministry Updates - January 2014...<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4lQ4VSjqaAojPx89UAs0lE2A9OT5_v05FZmU8gupSXshU_TKsDt67AuAMo4gJEN4drPLlSecQt_N6n3yITUeTFIdDy4uveH430adMl62unEN0x3R4twkZ7GM5VXLO5VMwziOjklmn9ERq/s1600/13.+Jan+2014+b+children+with+Kristin.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4lQ4VSjqaAojPx89UAs0lE2A9OT5_v05FZmU8gupSXshU_TKsDt67AuAMo4gJEN4drPLlSecQt_N6n3yITUeTFIdDy4uveH430adMl62unEN0x3R4twkZ7GM5VXLO5VMwziOjklmn9ERq/s1600/13.+Jan+2014+b+children+with+Kristin.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Kristin with Yaramba Nursery children</td></tr>
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It was like yesterday that the new year 2014 began. But the first month has already passed by. I realize that we should be better prepared to live each day to make the most out of it.<br />
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The following were highlights of what has been done in January 2014:<br />
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1. UOB Day was held on the second Saturday. We have selected this year's spiritual and management theme for UOB to be SHINE based on Matthew 5:14-16. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/01/uob-day-january-2014-shine.html">To learn more about UOB Day, click here. </a><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoMMh8spRdPBHMyaGm8PsNmO52pnpmwh8doW2Oh_gHfBZg7FMSDJcCn63TLOOuxm8aZYeVygnTQ-N4Nq_mu7ZYFnhAroyKq2UFnY64ObxKSNTulja5FPiYzFBN8pUZZJ81Zzy8VaX_Dt9O/s1600/UOB+Day_Client_H+T+Award.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjoMMh8spRdPBHMyaGm8PsNmO52pnpmwh8doW2Oh_gHfBZg7FMSDJcCn63TLOOuxm8aZYeVygnTQ-N4Nq_mu7ZYFnhAroyKq2UFnY64ObxKSNTulja5FPiYzFBN8pUZZJ81Zzy8VaX_Dt9O/s1600/UOB+Day_Client_H+T+Award.jpg" height="306" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Apophie, Recipient of Holistic T-Award</td></tr>
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2. One of the highlights on UOB Day was recognizing four clients who received UOB Transformation Awards. They each received Economic, Social, Spiritual and Holistic T-Awards. Their stories are fascinating and we were so blessed by what Christian micro finance can do to the poor people. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/01/uob-transformation-awards-for-clients.html">To read their stories, please click here. </a><br />
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3. I visited two groups of UOB clients in Gicumbi. The first client is one of UOB's micro business loan (MBL) clients, who runs a chicken farm. The second group was four groups of clients in a village whose population is predominantly Muslims. We have been serving these clients for the past five years and we have been bearing many fruits. It was a blessing. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/01/client-visits-in-gicumbi-and.html">To read about this story, please click here.</a><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic_ACVERvFjrMMG-fehLTxgZn1piDclXUq45ls4LIoV44Pu84X2V9FUGFp-VOHI2isIC4D9qP39V0tHpcNaEJnCsAFd2WkMM6LCtYqhveHvj0Ni3R1k-Gjesz_H_tziAJomE5bH1pWs5LT/s1600/Clementine+chicken+farmer+5+Jan+2014.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEic_ACVERvFjrMMG-fehLTxgZn1piDclXUq45ls4LIoV44Pu84X2V9FUGFp-VOHI2isIC4D9qP39V0tHpcNaEJnCsAFd2WkMM6LCtYqhveHvj0Ni3R1k-Gjesz_H_tziAJomE5bH1pWs5LT/s1600/Clementine+chicken+farmer+5+Jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Clementine, UOB client who raises 7,000 chlckens</td></tr>
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4. We submitted a proposal to GIZ, the German development agency, to be the financial institution to implement its Energizing Development (EnDev) program for village grids and solar lighting lamps. Among four pre-selected institutions, UOB has been accepted. We still have to iron out many details, but UOB will be able to manage up to EURO4 million for these projects. Another blog will be posted on this. Praise the Lord!<br />
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5. Most of UOB staff performance evaluation was done in January and MoUs with business units have been worked out to deliver the goals and objectives established for the bank.<br />
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6. Opportunity International Germany has received approval on its proposal to finance UOB's agricultural programs starting from the second half of 2014. Details need to be worked out, but we indeed experience God's continuing provision of the resources we need. Thank you, Lord!<br />
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7. January was another month of receiving several visitor groups. Among them were OI Global CEO Vicki Escarra and several women business executives and donors and Tom Phillips, a long time supporter of UOB and 10 students who are involved in Service over Self (SOS) in Memphis, TN, Transformation always works both for clients and donors. They all should learn and be challenged by the needs in the field.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghtVVLGr-RMqU2y8PbFzYOrMGdCjChJzGztMt3EDdBexQQRv6siSZmYKh4QsFP8aPBiDsdttf6CIZ1rUBC3lMSSH5FE1jIbELNxmtH-adb88JEgFv1P_lqybfTVNcImg12xFyaKNalzE5v/s1600/Vicki+Escarra+OI+Global+CEO.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghtVVLGr-RMqU2y8PbFzYOrMGdCjChJzGztMt3EDdBexQQRv6siSZmYKh4QsFP8aPBiDsdttf6CIZ1rUBC3lMSSH5FE1jIbELNxmtH-adb88JEgFv1P_lqybfTVNcImg12xFyaKNalzE5v/s1600/Vicki+Escarra+OI+Global+CEO.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Vicki Escarra, OI Global CEO</td></tr>
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8. Yaramba Nursery (Gicumbi) was formally open and 61 students who have registered. Kristin is traveling to Yaramba once a week to teach the young children English songs. We are blessed by the progress being made.<br />
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9. Jeffrey continued serving God's people through teaching at Shalom Bible Study and preaching at UOB and Agape Church Rwanda. We both participated in the Korean Missionary Fellowship prayer meeting. We are equipped and edified through these ministries.<br />
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10. We both met four students whom we have been supporting for the past three years. One has graduated <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2014/01/rwandas-education-system.html">To learn more about Rwanda's education system and these four students, click here.</a><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiynl0omh4a2uFs08ZyZDVzdJRrmk_PYj-HyCLQ252mVs0tLZYXQ4R0-hMspYsA5L6IICB6nfegRjqQKWHcI5BaSV9Ul3UE_Qv3TmFhf0kx05tD3T0N5murUL3B4MkvPIG1bCKLqg-J4zPJ/s1600/Group+photo+3+Jan+2014.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiynl0omh4a2uFs08ZyZDVzdJRrmk_PYj-HyCLQ252mVs0tLZYXQ4R0-hMspYsA5L6IICB6nfegRjqQKWHcI5BaSV9Ul3UE_Qv3TmFhf0kx05tD3T0N5murUL3B4MkvPIG1bCKLqg-J4zPJ/s1600/Group+photo+3+Jan+2014.jpg" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">With four students we have been supporting</td></tr>
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from the secondary school and three are continuing their study at secondary schools. They have grown quite a bit and more mature than before. We were grateful for the opportunity of serving them.<br />
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11. We have prayer requests. Please remember to pray with us for the following subjects:<br />
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<ul style="text-align: left;">
<li>The search process for the next UOB CEO continues. Please pray that we may be diligent in searching the CEO whom God has bestowed upon UOB so that he or she may arrive in time for timely handover in April.</li>
<li>Please pray that SHINE theme may be shared and implemented among all UOB staff to be an effective light spiritually which shines according to God's will and also to focus on eight management themes to be effective in serving the clients we have been called to serve.</li>
<li>Please pray that UOB may continue progressing T24 R12 model bank migration project that has been progressing smoothly to date. We honor our Lord for His grace upon this project.</li>
<li>Please pray that mHose and client service point strategy will be expanded further to relieve our lending staff from handling by at least 90% by the year-end.</li>
<li>Please pray that UOB will develop capacity to manage grant programs effectively as God provides more resources. This program management involves effective implementation, accurate monitoring and evaluation, and timely reporting. </li>
<li>Please pray that Kristin and I may be able to discern God's will for our next ministry opportunities. </li>
<li>Jeffrey has been involved in translating a book, titled "The Spiritual Danger of Doing Good" into Korean. The first draft for publishing has been finished and please pray that the final editing process will go smoothly. It is scheduled for publishing in February 2014. Also pray that this book may help many who are involved in the ministry of "doing good."</li>
<li>Please pray for our children who are in transition. Amanda and James are in transition through training for a new aircraft that James will be flying. Joyce will finish her Peace Corps volunteer service in May and will be looking for the next opportunities. May God be with them in their transitions. </li>
</ul>
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Thank you very much for your standing with us in these ministries. You are invaluable to us in these ministries.<br />
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Gratefully in His services,<br />
<br />
Jeffrey and Kristin Lee in Kigali, RWANDA<br />
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com1tag:blogger.com,1999:blog-7543199724111289424.post-14283815413112463822014-01-28T22:06:00.001+02:002014-01-28T22:11:38.250+02:00<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAeBXwiLn6ahBL1N78wZ1WqQ7oBYG3bamWt8Y1gHZFUMHDXXCP_qLanc31Za4nAKNb3iBaZ4IGst6qOhxLyEAhCprNxzxxLVlSrsg5lWjXzlYUuiEe3EJ8OHSNxMMCZgM_kqUDQ7nBJA2c/s1600/Africa+map.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAeBXwiLn6ahBL1N78wZ1WqQ7oBYG3bamWt8Y1gHZFUMHDXXCP_qLanc31Za4nAKNb3iBaZ4IGst6qOhxLyEAhCprNxzxxLVlSrsg5lWjXzlYUuiEe3EJ8OHSNxMMCZgM_kqUDQ7nBJA2c/s1600/Africa+map.jpg" height="320" width="239" /></a></div>
<a href="http://afrika.us2.list-manage.com/track/click?u=31039110e9052d5ac1c46b2a1&id=4e336f4d41&e=a908a6b0fe" style="color: #3a3434; font-family: Georgia, Times, 'Times New Roman', serif; font-size: 22px; text-decoration: none;" target="_blank">Africa: 10 things you need to know about Africa in 2014</a><br />
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<b><span style="font-size: small;"><u><i>[This is an article written by Jonathan Bhalla at Africa Research Institute.]</i></u></span></b></td></tr>
<tr><td style="color: #696660; font-size: 12px; line-height: 16px; margin: 0px; padding: 3px 0px 0px 5px;"><a href="http://afrika.us2.list-manage.com/track/click?u=31039110e9052d5ac1c46b2a1&id=49b5879b98&e=a908a6b0fe" style="color: #696660; text-decoration: none;" target="_blank">Africa Research Institute, by Jonathan Bhalla</a> -January 13, 2014</td></tr>
<tr><td style="font-weight: bold; margin: 0px; padding: 10px 0px 10px 5px;">On Tuesday 7th January I attended a fascinating event organised by the Royal African Society: "Africa in 2014: Prospects & Forecasts". The speakers were Patrick Smith, Editor-in-Chief of Africa Confidential and Africa-Asia Confidential; Razia Khan, Regional Head of Economics, Africa at Standard Chartered Bank; Lanre Akinola, Editor of This is Africa; and Yemisi Mokuolu, Founder of Hatch Events. Here are 10 of the things I found instructive.</td></tr>
<tr><td style="margin: 0px; padding: 0px 0px 0px 5px;">1. A vaccination for malaria might become a reality - Mosquirix, developed by GlaxoSmithKline, is being touted as the most advanced and effective malaria vaccine for infants and children to date. Targeting the Plasmodium falciparum parasite, which causes the most deadly strain of malaria, the introduction of Mosquirix has the potential to radically alter the treatment of the disease in Africa.<br />
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2. Trade unions continue to bang on the door of government - In 2013, a series of public sector strikes over pay disputes rocked Kenya, Ghana and Nigeria, three of Africa's most dynamic economies. But it is in South Africa that things are really heating up.<br />
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The National Union of Metal Workers (Numsa), the country's largest trade union, officially withdrew its support for the ruling Africa National Congress ahead of the 2014 elections. Numsa has since called on its federation, the Congress of South African Trade Unions (Cosatu), to follow suit.<br />
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The signs are that suspended secretary-general of Cosatu, Zwelinzima Vavi, will champion calls for an anti-Zuma vote by Cosatu in the forthcoming elections.<br />
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3. But is this a swansong for unions? - Unless unions can deliver tangible benefits for their members, they are likely to lose clout over time.<br />
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In South Africa, the majority of job creation has taken place in the informal and service sectors, which are notoriously difficult to unionise. Frosty relations between the ANC and trade unions might be an opportunity for the ruling party to develop a more independent political position not beholden to "worker demands".<br />
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4. More growth - Ongoing political risk and instability in South Sudan, the Central African Republic and Mali are unlikely to impact on the continent's growth prospects.<br />
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The economic outlook for 2014 is positive, with the continent projected to grow by 5.5%. Why? Africa's largest economies are driving growth, notably Nigeria, Kenya, Ethiopia, Ghana and Angola. In the coming year, the power and influence of these countries will become further entrenched.<br />
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5. There is more to growth than commodities - The stabilisation of demand, rather than a renewed surge in the price of key commodities, will underpin Africa's economic performance in 2014. African economies have not benefitted from high commodity prices to the extent that is commonly assumed.<br />
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A more detailed look at national economic data highlights the prominence of the African consumer in driving growth, with commodities playing more of a supporting role. Resource exploration will, however, continue to gather pace, and is likely to have a significant impact on future growth trajectories.<br />
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6. Nigeria is a microcosm of the continent - In 2004-10, the Nigerian economy grew at a rate of 7% per annum. Over the same period, poverty levels also grew by 6.5% a year.<br />
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The gulf between those (few) who benefit from economic growth and the poorest in society will become more pronounced in 2014 - and not just in Nigeria. Job creation is not taking place on the scale needed to reduce poverty. As such, there is a pressing need to untangle the continent's investment narrative from development realities<br />
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7. Regional integration is essential, but not inevitable - Most economies in Africa are too small to attract much-needed investment on their own.<br />
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Increasing market size by integrating economic policies and procedures with those of neighbouring countries is the only realistic hope for sustained growth over time. While the East African Community is arguably the best illustration of what can be achieved through regional integration, the pace of these developments across the continent remains sluggish.<br />
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8. It's not all about China - Bold steps continue to be taken by new development partners. In December 2013, Turkey became the 78th member state of the African Development Bank.<br />
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In the same month, Brazil's National Bank for Economic and Social Development (BNDES) intensified its activities on the continent by opening a branch in Johannesburg, South Africa - only its third office overseas in just over half a century of operating.<br />
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9. Introducing MINT (Malaysia, Indonesia, Nigeria and Turkey) - Jim O'Neill, the economist who coined the acronym BRICS, tips MINT countries to assert their economic credentials in 2014. They stand out, he argues, because all four have favourable demographics for at last 20 years and possess a unique economic potential.<br />
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10. Africa is not rising - It is changing. Period</td></tr>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-22835525045994406382014-01-19T16:55:00.001+02:002014-01-19T16:55:41.480+02:00UOB Transformation Awards for Clients ... <div dir="ltr" style="text-align: left;" trbidi="on">
Transformation impacts of UOB's micro finance program on its clients have been tremendous. But we could not share these transformation impact stories enough with others who may not be familiar with them.<br />
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Thus, UOB established its own UOB T-Awards in July 2013. T stands for Transformation. These awards have four categories: Economic, Social, Spiritual and Holistic.<br />
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All business units submit their applications for these awards based on their client stories. Then, senior leaders will be randomly assigned to visit and interview these clients to validate the submitted stories and also to learn more about the clients. Through these interviews, home office staff and senior leadership members can experience the transformation impact stories firsthand. So the transformation impacts are also on staff.<br />
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All senior leaders who participated in the interview process present their client stories to the group, and through discussion and debates, four winners are selected each for four categories. The selected clients receive cash prizes of Rwf50,000 for economic, social and spiritual and Rwf80,000 for holistic T-award recipients. The business units that submitted the applications also receive the same amount of cash prizes to acknowledge and appreciate their efforts.<br />
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These clients are invited to UOB Day and after the praise and message, their stories are shared with the entire staff and prizes are given to them with UOB T-Award plaques.<br />
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For January 2014, their stories are summarized below:<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfWSdKJkiDyhnq1uBUI2tOmgDxgIGxrJAK5Gjely5tcZ1RQKVkRe4yim_Sil59w10j1oYxZ6cEnvTy-MSzCh2fcyvoZJ6xm-IdAcQ7iuTl8bXd_6jZtWQFxREqpYRcfv3m9WbI2GErmcbL/s1600/UOB+Day_Client_E+T+Award.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfWSdKJkiDyhnq1uBUI2tOmgDxgIGxrJAK5Gjely5tcZ1RQKVkRe4yim_Sil59w10j1oYxZ6cEnvTy-MSzCh2fcyvoZJ6xm-IdAcQ7iuTl8bXd_6jZtWQFxREqpYRcfv3m9WbI2GErmcbL/s1600/UOB+Day_Client_E+T+Award.jpg" height="309" width="320" /></a></div>
<u>UOB Economic T-Award:</u> <b>Marie Claire Mukantagwabira </b>served by Kigali East EBU<br />
Marie Claire started borrowing Rwf30,000 (USD45) from UOB only five years ago and is now borrowing Rwf15Mn (USD22,400). When she first joined UOB, she had only a sambusa (triangle-shaped deep fried food) business, but now has two supermarkets, one gift shop, one spare part shop and one restaurant. She now employs 13 workers. Marie Claire has a plan to expand her business even further to own a bakery, juice factory and wholesale business. When all are completed, she will employ up to 50 people.<br />
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It is an impressive story of tremendous economic success accomplished just over five years. Through the process of expanding her business, she has purchased a house and a car, and has been able to send her children to school. She deserves to receive the Economic T-Award.<br />
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<u>UOB Social T-Award: </u><b>Salam Ingabire </b>served by Karongi EBU<br />
Salam owns a restaurant. His relationship began in 2009 with the first loan of Rwf15,000. He is now taking Rwf600,000 and she is now the leader of the trust group she belong to. When she started her relationship with UOB just four years ago, she was renting a small room for Rwf3,000 a month. Now she owns her own house, one cow, a sizable banana plantation and a good restaurant business. She is paying for school fees for three children.<br />
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Social T-Award was given to her for two reasons. One was that she came back from DR Congo and had to start from scratch with nothing. Extreme poverty degrades humanity but over a short period of time, she was able to gain the respect from the local community and to make significant contribution to the community. She organizes the Women's Day for the village, coaches other women in doing business, provides a room for the women meetings and also leads the trust group as president. Also, she offers her restaurant as the gathering place for the group. The second reason is her proven ability to share her faith despite her family's roots in Islam. As her name indicates, she is part of a Muslim family, but she is a believer and she is able to talk about Jesus and her faith in her family based on her economic achievement. She attributes her success to God's blessing and her faith has grown over time. We definitely want to see more stories like Salam's.<br />
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<u>UOB Spiritual T-Award:</u> <b>Eric Hategekimana</b> served by Gicumbi EBU<br />
Eric owns a bakery. He has been raised by a single mom and he studied up to only primary 4. He had to leave the school because his mom could not afford the school fees. He married to his wife who also dropped the school after senior 3.<br />
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Eric joined UOB's trust group in 2007 and received his first loan of Rwf50,000 and started expanding his business. Initially he did not have any capital so he was using beans grown in his own garden. But with the loan, he was able to buy baking equipment and expand the business lines. He owns his own house, a plot of land, two motor cycles. He now employs 10 people five of whom are staying at Eric and three of whom have been married. Now he borrows Rwf1,500,000 and is able to pay without any past due. Eric is also active in serving the community as a civic servant. Eric is also proud of being able to send his wife back to the secondary school to finish her study, rather than seeking his own study. He plans to send her to college.<br />
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Spiritual T-Award was given to Eric for three reasons: One, Eric used to be a Roman Catholic but now fellowships at ADEPR, a Pentecostal denomination in Rwanda, based on his conviction of the Christian teaching he has received from UOB staff. Two, Eric has been attending church services three times a week and has been taking care of many visitors to the church by offering his residence. Three, he has been practicing Good Samaritan spirit by helping several neighbors with the love of Christ, such as paying for medical bills who could not afford to pay, paying for wedding expenses for his three staff and paying school fees for two orphans in his village. May God bless Eric and his family to be a greater blessing to many others in Christ's name.<br />
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<u>UOB Holistic T-Award:</u> <b>Aplphie Nyirabaziga </b>served by Rwamagana EBU<br />
Apophie was the first one who received the most highly recognized Holistic T-Award. She joined UOB's trust group in 2009 with a Rwf50,000 loan. She is now borrowing Rwf1.2 Mn. When she joined a UOB trust group, she was in the cowhide business, but now she runs an auto spare parts business. She employs two permanent staff and eight temporary staff.<br />
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The Holistic T-Award was given to Apophie because her transformation was well balanced in all three aspects of her life. Economically, she has been able to grow her working capital from Rwf300,000 to Rwf2.5 Mn., to buy two cows, a forest, a banana plantation and a water tank for her family. Socially, she has played several important roles in serving her community, such as the president of her trust group, a member of the local sanitation board, a member of savings SACCO at the sector level and a woman representative at the local cell level. Spiritually, she has transformed from a church goer to a committed member of a local church, now as an elder of the church. Because of her faith, her husband has been converted from Islam to Christianity. Also, she has adopted three orphans and takes care of them. All these exhibit a wonderful example of holistic transformation that has taken place in her life. May the good Lord produce holistic transformation in more lives in Rwanda, like Apophie!<br />
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I am so blessed to witness these transformation stories first hand along with my colleagues. May the Lord bless them to continue the transformation in their lives to be a blessing to others around them! - Jeffrey</div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-11945822663971869312014-01-18T15:57:00.001+02:002014-01-18T15:57:16.467+02:00UOB Day - January 2014 - SHINE<div dir="ltr" style="text-align: left;" trbidi="on">
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UOB Day is a day when all UOB staff gather together from all over the country. UOB Day has been held twice a year, in January and July.<br />
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In uniform, all staff feel the unity immediately. As we gather together, we praise God Almighty with all our hearts and minds. UOB Gospel Singers lead the praise time and soon many others with musical talents join them. The entire staff rock the place. Unity then is apparently in spirit as well as in appearance.<br />
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We also listen to the Word spoken through an invited speaker. This time, Laurent MBanda, Anglical Bishop of Shyrah Diocese in Musanze was the speaker. He is a scholar and used to be a senior leader at Compassion International. He was Vice President responsible for Africa. He knows, therefore, business, management, leadership as well as mission. He was a perfect fit to speak to us who are running a Kingdom enterprise of UOB.<br />
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UOB is not just a bank, but a bank as mission. UOB is mandated by its shareholders not to maximize the profit, but to pursue holistic transformation of the clients based on biblical principles while UOB staff is being transformed in the process together with clients.<br />
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<tr><td class="tr-caption" style="text-align: center;">UOB Gospel Singers Leading the Praise</td></tr>
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UOB has a theme every year. This theme is for both the spiritual and management purposes. For the past four years, the themes have been ARISE (2010), SHALOM (2011), IN CHRIST (2012) and TRANSFORM (2013). For 2014, we have chosen SHINE as the theme.<br />
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God is the light. Jesus is the light. Jesus followers have been called to be the light of the world while Jesus is away and until He returns. As the light of the world, Jesus followers are called to shine their lights before men. (Matthew 5:14-16) As a Jesus-following enterprise, UOB should also be the light of the world and so are all UOB staff. Throughout the year, this theme will be analyzed and studied in depth to make sure all staff will understand what it means and how they may apply it to their work and personal life.<br />
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<tr><td class="tr-caption" style="text-align: center;">Bishop Mbanda Preaching</td></tr>
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At the same time, this theme signifies what the bank is pursuing as major goals and objectives. It is used as an acronym. SHINE stands for:<br />
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<li>Stabilize and sustain operations</li>
<li>Scale up agricultural finance and education finance</li>
<li>Secure sufficient resources</li>
<li>Succeed in T24 R12 model bank migration</li>
<li>Help reduce PAR, write-off and frauds</li>
<li>Increase loan disbursements, outreach and recoveries</li>
<li>Expand the CSPs to remove cash-handling</li>
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We also honored four clients who have been selected as recipients of UOB Transformation Awards. We have four of them: Economic, Social, Spiritual and Holistic. I will write a separate blog post on this.</div>
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After the UOB T-Awards ceremony, we reviewed how the bank performed overall in all areas. Also we reviewed the major business KPIs to remember and implement in 2014. Key senior officers gave a presentation about their teams' highlights.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXBjO1HiAqF5QBFl6-Zo8ZlejunsRlRBMeVSmbnUlaUBv0OsMKWvCSAkWGHswcmynEl3WnWYoHaoyUH-T-iCoheNMDFYZSCszYiBfPq5uwaUvdur8jhNzzWk9abBKo4OH09jLEi26SN6oT/s1600/Team+praising.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXBjO1HiAqF5QBFl6-Zo8ZlejunsRlRBMeVSmbnUlaUBv0OsMKWvCSAkWGHswcmynEl3WnWYoHaoyUH-T-iCoheNMDFYZSCszYiBfPq5uwaUvdur8jhNzzWk9abBKo4OH09jLEi26SN6oT/s1600/Team+praising.JPG" height="240" width="320" /></a>We also honor our staff who has newly joined for the past six months, who has worked for UOB for five, 10 and 15 years, and who has been promoted as of January 2014. It is a celebration to officially welcome new staff to UOB, thank the staff of long service and congratulate the staff who have been promoted. </div>
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Help Association is the staff's voluntary savings and loans program. They collect savings and lend the money to staff, and distribute interest income to the savers. It is a mini bank for staff within the bank. The treasurer for Help Association also reported the performance.</div>
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At the end, we all knelt down and dedicated ourselves to the Lord to do our best in serving the people whom He has called us to serve for the next six months. </div>
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Lunch is a great time of fellowship among our staff. For many staff who is living and working in rural areas, this lunch outing is a big treat and a valuable opportunity to meet colleagues whom they know only by names. We had to run the entire schedule very tightly because many traveled early in the morning to attend the UOB Day and had to travel again to return to where they live. So by 2PM, all programs were over. Very intense, but also very productive. It is remarkable that all programs run almost right on the clock. It is very unusual in the Rwandan context. That much our staff has been trained to be conscious of the time and punctual. </div>
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This UOB Day was my last one at UOB. I was asked if I would say farewell to staff. I declined because I would be still working through April 3oth, and I did not want to distract their attention that has to be focused on SHINE. I prayed on my knees that God will continue to be gracious to UOB in the years to come. </div>
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Kristin also joined us in the program along with Dr. Yong Woo Lee and his wife Jong Ran. - Jeffrey</div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-9556836005154273022014-01-10T17:46:00.000+02:002014-01-10T17:46:07.195+02:00Kwibuka Flame...<div dir="ltr" style="text-align: left;" trbidi="on">
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As many of you know, Rwanda went through the genocide against Tutsis in 1994. Approximately 10,000 people were slaughtered every day for 100 days. It is recorded as the genocide that has progressed fastest in human history.<br />
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Every year, there are commemorations starting on April 7th and lasting until July 4th, the Liberation Day. The formal mourning lasts for a week, but the overall atmosphere is somewhat gloomy and solemn until the Liberation Day. During this period, some people, particularly genocide survivors, have the flash-back memory of the horror and go through traumas.<br />
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2014 will be the 20th anniversary. So the Rwandan government has planned and launched a new program. It is called Kwibuka Flame. Kwibuka means "Remembrance" in Kinyarwanda. On January 7th, there was a special ceremony at Gisozi Genocide Memorial where more than 200,000 people are buried. The Genocide Torch, also called Kwibuka Flame, was lit using the Rwanda's traditional way of making fire, called Urushingo. It will be carried by boys and girls who are younger than 20 years of age to all 30 districts. After the tour, it will return to Gisozi Genocide Memorial on April 7th and will be used for the special commemoration to take place on the day.<br />
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The fact that the torch will be carried by boys and girls of 20 years or younger signify that this generation of people who did not go through the genocide can be united. One Rwanda and One Rwandan.<br />
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This year's theme is Remember - Unite - Renew. The message seems obvious but I read it as a message to remember the genocide, unite as one nation and renew the determination and courage to never repeat the genocide again.<br />
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"Never Again."<br />
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'Never Again' has been emphasized over and over as the theme not to repeat this horror again ever.<br />
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<tr><td class="tr-caption" style="text-align: center;">Minister Louise Mushikiwabo</td></tr>
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The minister of foreign affairs and government spokesperson, Louise Mushikiwabo, delivered the key note speech on January 7th. Her message summarizes the spirit and intent of this year's theme and Kwibuka Flame:<br />
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<span style="font-family: Times, Times New Roman, serif;"><b>"<span style="background-color: white; color: #222222;">As we turn our attention to the twentieth commemoration, we invite the world to remember with us. We do so not to inspire pity or guilt, but rather because the lessons of 1994 have resonance far beyond Rwanda's borders. It is a time to recommit ourselves to the simple but powerful idea: Never Again. Not just for Rwanda, but for the world. For 'Never Again' to be a reality, and not just words, 'Never Forget' must also be our creed."</span></b></span><br />
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<span style="font-family: Times, Times New Roman, serif;">Well said. </span></div>
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<span style="font-family: Times, Times New Roman, serif;">It is my prayer that a genocide will not occur again anywhere in the world. Ever. - Jeffrey</span></div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-37315986602581868652014-01-07T20:49:00.000+02:002014-01-08T08:36:08.250+02:00Client Visits in Gicumbi and Gatsibo...(January 2014)<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfa2MG8L00xAlUPvIo_U3TQC2GoRuLr_GP0JBPMY1Yi4K-2z-sFHe9R22EttBonT2J2fYwCZUNUO0HK1aKspeF-gekou2HZyt9e77Xhjt9P6-qkQruhMypotv9tsDEq3EIKPZPHhUEwiz9/s1600/Clementine+chicken+farmer+7+an+egg+Jan+2014.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfa2MG8L00xAlUPvIo_U3TQC2GoRuLr_GP0JBPMY1Yi4K-2z-sFHe9R22EttBonT2J2fYwCZUNUO0HK1aKspeF-gekou2HZyt9e77Xhjt9P6-qkQruhMypotv9tsDEq3EIKPZPHhUEwiz9/s1600/Clementine+chicken+farmer+7+an+egg+Jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">An egg that is ready for pick-up</td></tr>
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On Monday, January 6th, 2014, I visited one chicken farmer client in Gicumbi District and group clients in a Muslim-dominant village in Gatsibo District. Dr. Yong Woo Lee, a new volunteer to UOB, Daniel, Director of Transformation Impact, and Pacifique, Loan Underwriting Team Leader joined me in the visits.<br />
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The first stop was Clementine's chicken farm located in Gicumbi, approximately 45 minutes drive from Kigali.<br />
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Clementine is in her 30's with two children. Her husband was a military personnel and has passed away during a war. We do not know the details of his death since she became emotional. But Clementine is a prominent business entrepreneur whom even the President of Rwanda recognizes.<br />
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UOB has granted a Rwf15 Million or $21,000 term loan to her chicken farm to help finance the purchase of 7,000 chicks, feeds to feed them and construction costs to bring mountain water to the chicken farm and her neighbors in the community.<br />
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Currently, Clementine raises more than 10,000 chickens out of which approximately 3,500 chickens lay eggs. She sells 21,000 eggs a week. But the number of eggs to be sold will sharply increase after two more months when the chicks now being raised will grow mature enough to start laying eggs.<br />
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Clementine buys newly hatched chicks at Rwf1,500 or $2.30. She feeds them to grow for four and half months. Mature chickens lay eggs for one and half years, approximately 320 eggs. Then, these chickens are sold at Rwf2,800 or $4.20 per head. During the egg-laying period, each egg is sold at Rwf70 or a little more than $0.10.<br />
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She is known to be the "Woman of Chickens" in the area. She also has a "Japanese plum" farm in the vicinity.<br />
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She is an active member of ADEPR, one of the largest Christian denominations in Rwanda. She has a dream to be the largest and the most effective chicken farmer in Rwanda.<br />
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<tr><td class="tr-caption" style="text-align: center;">Clementine proud to be a successful chicken farmer</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisMHo9dlZNljTonz8l4MSSzSPdZJXYTC3O3c29GFchV0t4oapvUIZs6_lj3OdN_uyfee8qvf8ip45nnUrWXWXgaNsGq1of3W11108MjqZevP2SpfWDxGxMGB5hTj0loXkixRvC4Mjfs2t0/s1600/Clementine+chicken+farmer+1+Jan+2014.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEisMHo9dlZNljTonz8l4MSSzSPdZJXYTC3O3c29GFchV0t4oapvUIZs6_lj3OdN_uyfee8qvf8ip45nnUrWXWXgaNsGq1of3W11108MjqZevP2SpfWDxGxMGB5hTj0loXkixRvC4Mjfs2t0/s1600/Clementine+chicken+farmer+1+Jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Part of chickens that are laying eggs</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Chickens after Clementine rearranged the feeds...</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Eggs getting ready for shipping</td></tr>
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<tr><td class="tr-caption" style="text-align: center;">Pacifique, Dr. Lee, Clementine and Daniel</td></tr>
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We headed further north close to Gicumbi town and continued to drive in the eastern direction. The next step was a village in Gatsibo where the predominant population is Muslims. There Jean Baptist has been serving three groups of clients for the past five years. I heard about his service in this village almost five years ago and I have meant to visit with them. But, we had not been informed of this challenging mountainous terrain where we had to drive for two and half hours. The road was impossible to drive without a 4x4 vehicle. With God's grace, we made it. We met Jean Baptist at a location close to the village and followed him who was riding a 125cc motor cycle that he owns.<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwedDAvjqN1XbWbZW12DVDCsoImjK4J3hvikzobbY1Jk11hyphenhyphenmlQx6OWU8Row_GWkFRya2xuQHK8vre_YrOWaoCYScA9YZx4zKWI4Z8ijfw5frJsDoTO3UrfoiA-bao61VFGxvaKUAsEiYu/s1600/Muslim+clients+10+Jean+Baptist+on+his+motor+bike+Jan+2014.JPG" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwedDAvjqN1XbWbZW12DVDCsoImjK4J3hvikzobbY1Jk11hyphenhyphenmlQx6OWU8Row_GWkFRya2xuQHK8vre_YrOWaoCYScA9YZx4zKWI4Z8ijfw5frJsDoTO3UrfoiA-bao61VFGxvaKUAsEiYu/s1600/Muslim+clients+10+Jean+Baptist+on+his+motor+bike+Jan+2014.JPG" height="150" width="200" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Jean Baptist with his motor bike</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaUzKK4Wpw92v7gugimTiL9TTD3hBFwi2XndJGXqYwDKHON9VDqIu7y2xNkHkE3LnWSwviwRFTFbLvkDa4vBFASBSM-NQGV5FfOgQiLg2TQ2QMB-CuZjIBM4dS886tGZSoTCnncWVxjoBl/s1600/A+refugee+camp+in+Nyabiheke+Gatsibo+jan+2014.JPG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaUzKK4Wpw92v7gugimTiL9TTD3hBFwi2XndJGXqYwDKHON9VDqIu7y2xNkHkE3LnWSwviwRFTFbLvkDa4vBFASBSM-NQGV5FfOgQiLg2TQ2QMB-CuZjIBM4dS886tGZSoTCnncWVxjoBl/s1600/A+refugee+camp+in+Nyabiheke+Gatsibo+jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Nyabiheke Refugee Camp</td></tr>
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On the way, we spotted a refugee camp deep into the inland of Rwanda. This refugee camp was called Nyabiheke and it was quite sizable. DR Congo refugees have been brought this much deep into the inland of Rwanda in order to avoid possible disruption into the Rwandan society when the border conflicts worsen.<br />
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When we arrived at the village, a group of 35 predominantly women were waiting for us on a grass field, nearby a small church under construction. As usual, there was a small table and five chairs where we were expected to sit. After I explained to them about the products we offer and training we provide, I asked them how else we can serve them better. They appreciated the school fee loans that we currently offer and were excited about mHose mobile banking platform. I also explained about solar lamp loans and we received their clapping of welcoming the product. Also, they showed a strong interest in agricultural loans, particularly the feature of not having to make payment until the harvest is completed. A member prayed for the meeting and there were several Muslim ladies who were covering their hair. A mosque was noticed nearby but they chose to meet in front of a small new church being built.<br />
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Jean Baptist shared his testimony in 2009 when I first visited Gicumbi EBU to which he belongs. How he first entered into the village without knowing anyone, how he listened to a lady who was weeping because she was rebuked by Muslim leaders for her attending her Christian friend's wedding, how she appreciated Jean Baptist's compassion, how she invited him to the village and her home to collect her friends and how the group started growing. Today, several clients stood up and openly expressed their appreciation for Jean Baptist's humble, compassionate and considerate services. They also proudly shared their transformation stories. How they were able to bring the power to their houses. How they were able to send their children to secondary schools. How they were able to feed their children with milk. How they have been able to build their small homes. Of course, they have achieved all these economic transformation after they have paid back all principals and interests. Their stories always touch my heart. I had a sigh of relief and murmured. "Our endeavors have not gone wasted and God's grace has been apparent to them."<br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ7YX7AI3R4vekPJknYz3xVS3Dj09X9Jpr-lcaCZ1hZ0egbFg0YFVWds_Fd1K0PyzaLS3g5p5TdWIhBJrIIyjg8uiOXljBLXoFne6wIgzs050xh7HJLfftoDHIY0iIE4FZmOhBYs4j3mTD/s1600/Muslim+clients+7+with+Jean+Baptist+Jan+2014.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ7YX7AI3R4vekPJknYz3xVS3Dj09X9Jpr-lcaCZ1hZ0egbFg0YFVWds_Fd1K0PyzaLS3g5p5TdWIhBJrIIyjg8uiOXljBLXoFne6wIgzs050xh7HJLfftoDHIY0iIE4FZmOhBYs4j3mTD/s1600/Muslim+clients+7+with+Jean+Baptist+Jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Jean Baptist with his clients</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ0TqB1b-8tvxr53KN2oRPS3YZ2XRtScbWutSsjzZIYJy8PQmrtp5LjeJFcxlEtXmkLL9-OMeTMpjJuB44XK9yXghBHYudKMpExaMMni_xPQ5CDqGVhQgzgA0Y4QaK6tOCxK1SjM0_4MwC/s1600/Muslim+clients+6+listening+clients+b+Jan+2014.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ0TqB1b-8tvxr53KN2oRPS3YZ2XRtScbWutSsjzZIYJy8PQmrtp5LjeJFcxlEtXmkLL9-OMeTMpjJuB44XK9yXghBHYudKMpExaMMni_xPQ5CDqGVhQgzgA0Y4QaK6tOCxK1SjM0_4MwC/s1600/Muslim+clients+6+listening+clients+b+Jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Clients listening</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpnHGVHEnfAUmRDMsDztQEdIO-xQsMBlCtoi239AAOrqfjp0z30nsswK5PFOnrl3r-5gCk_cIqIs-jHAhYZVQvcvWwBWSeOw4YJxwMHTBHplqZnha4i3SLrokL1qGszyAPX7Me-leIQ9sj/s1600/Muslim+clients+4+another+client+asking+Jan+2014.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpnHGVHEnfAUmRDMsDztQEdIO-xQsMBlCtoi239AAOrqfjp0z30nsswK5PFOnrl3r-5gCk_cIqIs-jHAhYZVQvcvWwBWSeOw4YJxwMHTBHplqZnha4i3SLrokL1qGszyAPX7Me-leIQ9sj/s1600/Muslim+clients+4+another+client+asking+Jan+2014.JPG" height="320" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A client asking questions</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiw3k_B0K9smbH02wbudVbBC3sioUBaY5HwY2O1FrDLJSvfRHyx6KcpQYGctY9CXTwdTQOM-WlF9kgcnnKLpfxYKxzAJUPp1bi2qcamicA-_8P-AZ9CBi1ThKIur4kN1Ho0Kzxnb53Cp5pD/s1600/Muslim+clients+8+selfie+with+a+church+Jan+2014.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiw3k_B0K9smbH02wbudVbBC3sioUBaY5HwY2O1FrDLJSvfRHyx6KcpQYGctY9CXTwdTQOM-WlF9kgcnnKLpfxYKxzAJUPp1bi2qcamicA-_8P-AZ9CBi1ThKIur4kN1Ho0Kzxnb53Cp5pD/s1600/Muslim+clients+8+selfie+with+a+church+Jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A small new church under construction</td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwv4Hapk3khP9nhiJyrvjFmirkLeBTLFLFTLTXdIYjIwtSIkg9KzT7aESZb2O5C9n7dPYXEiIAtYeX3zyyu9JqEtprfM3BZwKvjx6tWiu0n-BTTK1p9D7qEiYp5r7wdX5o2pN8BAQIcwZU/s1600/Muslim+clients+9+children+curious+Jan+2014.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwv4Hapk3khP9nhiJyrvjFmirkLeBTLFLFTLTXdIYjIwtSIkg9KzT7aESZb2O5C9n7dPYXEiIAtYeX3zyyu9JqEtprfM3BZwKvjx6tWiu0n-BTTK1p9D7qEiYp5r7wdX5o2pN8BAQIcwZU/s1600/Muslim+clients+9+children+curious+Jan+2014.JPG" height="240" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Children are always curious...</td></tr>
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We appreciated their being UOB clients and shook hands with all of them. Many children gathered around and listened to their stories as well. I am sure they have felt the same way as their parents. We praised the Lord who has shed the light of life to this village and many have come to know God through the service of love that has been lived out, not just talked about.<br />
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I ended up driving almost seven hours today. Tired as I may have been, but the joy my heart has been filled with was far greater than the fatigue. Our God is an awesome God! I praise Him with all my heart! - Jeffrey<span id="goog_1569665104"></span><span id="goog_1569665105"></span></div>
jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0tag:blogger.com,1999:blog-7543199724111289424.post-70069756483375528362014-01-06T20:40:00.004+02:002014-01-06T20:41:40.531+02:00Joyce's Chicken Project in Senegal through Peace Corps...<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td class="tr-caption" style="text-align: center;">Riana from Colorado, Ibu, a farmer, Joyce and Kristin</td></tr>
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Our daughter Joyce has been serving in Senegal as a Peace Corps volunteer for the past one and half years. Based in Thies, she has been involved in teaching English at American Corner of the Cultural Center, helping a jewelry distributor in marketing, project design and administration and assisting a farmer who is a well respected community leader.<br />
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She is scheduled to finish her tenure in Senegal in May. Prior to her departure, she is working on her last project. This project is to build a chicken farm that will help raise up to 500 chickens. This project will be funded as a partnership program where the community raises 30% and Peace Corps supports the balance. The Peace Corps portion will have to be raised through support from individuals and organizations that share the purpose and intent of this project. The amount that needs to be raised is approximately $5,000.<br />
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<b><u>If you want to participate in assisting a Senegalese agricultural community, or if you know someone who may be interested in this type of project, here is the opportunity. The link to make your donation is included herein below.</u></b><br />
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The following is the snapshot summary of this project which Joyce has prepared:.<br />
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<span style="background-color: white; color: #222222; font-family: arial, sans-serif;"><b>Since the 2005 closure of borders to imported chickens due to the outbreak of avian flu, there has been a severe market deficiency in adequately meeting the demand for poultry in Senegal. The main objective of this project is thus to address this gap by producing poultry, improving income generation as well as food security for the community. Another desired outcome of the project is to improve soil quality and crop production at the project site as well as among other agricultural producers in the community by using the chicken manure as a fertilizer. </b></span><br />
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<b>The last objective is to promote environmental education based on the type of chicken coop being built. In collaboration with the French organization La Voute Nubienne, the project will demonstrate the positive potential of sustainable architecture with natural, locally-sourced and lower-cost materials. This type of structure, furthermore, renders a temperature opposite of what's happening outside; when it's hot outside, it is cooler indoors and vice versa. As chickens do not sweat and expend much energy regulating their body temperatures, this unique feature of the structure is likely to lead to improved poultry production, approximately 15% larger chickens. </b></div>
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<b>The grant primarily will be used to purchase equipment and build the production facility, while the community's contribution is predominantly through brickmaking and labor to construct the coop, as well as maintaining the facilities once poultry production has begun. We forecast that the impact of the project will be to provide the participants a functional and sustainable revenue-generating activity through which they are able to respond directly to a market demand within their community.</b></div>
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<span style="font-family: Times, Times New Roman, serif;">The fundraising link is here: <a href="https://donate.peacecorps.gov/index.cfm?shell=donate.contribute.projDetail&projdesc=14-685-012" style="color: #1155cc;" target="_blank">https://donate.peacecorps.gov/<wbr></wbr>index.cfm?shell=donate.<wbr></wbr>contribute.projDetail&<wbr></wbr>projdesc=14-685-012</a></span></div>
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<span style="font-family: Times, Times New Roman, serif;">Also, Kristin and I have recently visited Joyce in Senegal over Christmas and I have posted a blog. <a href="http://jeffreyandkristinleeinrwanda.blogspot.com/2013/12/trip-to-senegal-africa-december-2013.html">To read this blog, please click here.</a></span><br />
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<span style="font-family: Times, Times New Roman, serif;">Thank you for your interest in and support for this project. May God bless you richly. - Jeffrey</span></div>
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jlee80111http://www.blogger.com/profile/08344174717538097969noreply@blogger.com0