We started this program in 2014 after realizing the lack of access to easy interest-free capital and the importance of that capital for ending the cycle of poverty. Our Interest-free micofinance is an incredible program that empowers people and break the cycle of poverty. We support higher education and self-employment through this program. 

Here is how this program works:

In the first model, a donor makes a donation to STEP, and STEP lends that amount to a vetted borrower who uses this capital to start or expand a small business. The borrower then returns the same principal amount within 12 months.