"I went to BANCS and accessed the loan of 300,000 shillings ($125.00 USD). With this loan i bought what it takes to make a salon such as chairs, hair dryers, shampoo, wigs, etc. My first loan was scheduled to take six months but i payed it in two.." - Hadija

Jennifer Naigaga received her first loan from BANCS of $125.00, and now needs a loan of $250.00 to continue to grow her business.

Joshua and Mike are the Directors of BANCS (Born Again National Credit Services) and have known each other since 1985. They are united in their commitment to bring spiritual, physical, and social transformation to families, churches, and entire communities across Uganda. Through small business loans, business skills training, and on-site follow up, BANCS gives people a "hand-up" instead of a "hand-out".