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					People Helping People Global
      Partnering with locals to end poverty
                        2010 Annual Report

               IN DEFENSE OF ZERO: MICROLENDING IN NICARAGUA .............................. 3
                    EL GORDO – THE RAINY SEASON HERO ............................................................... 3
               THE ISLAND COMMUNITY ............................................................... 4
                    J ULIANA – THE “GO-GETTER ”........................................................................... 4
               EXPANDING MARKETS: LUIS CANO & SAN JUAN DEL ORIENTE ...................... 5
               2010 FINANCIAL HIGHLIGHTS .......................................................... 6
                    SACORRO’S SMILE ......................................................................................... 6
               THANKS TO A LL OF OUR SUPPORTERS!................................................ 7
                    MERCEDES THANKS YOU!................................................................................. 7
               WAYS TO G ET INVOLVED ............................................................... 9
                    1) STAY INFORMED ........................................................................................ 9
                    2) VOLUNTEER ............................................................................................. 9
                    3) P UT TOGETHER A TEAM FOR THE LOAN CHALLENGE ................................................. 9
                    4) BECOME A S USTAINER ................................................................................. 9
               BOARD OF DIRECTORS ................................................................. 10

2010 Milestones
37 new microloans were issued to
families living on less than $2 a day. This has
improved the lives of over 175 family

20 talented artisans were given
contracts for their fair-t rade products.
The artisans fare from Nicaragua, El
Salvador, and Guatemala, and the products
are sold in the more competitive U.S.

4 new lending groups were created.
These loans will be issued in March 2011,
starting over 40 new families on the path out
of extrem e poverty.

 People Helping People Global                                                                                        2010 Annual Report   1
  Let ter from th e Exec u tive Direc tor & Program Man ager
  Dear Supporter s,

  We are writing to you from a breezy, colonial-style caf é in th e center of th e oldest city in the Americas – Granada, Nicaragua. Aside from
  the unique distinction of being the oldest city, Granada has served as home to the International Office of People Helping People Global since
  September 2009. Th e past eighteen months have been full of many challenges but far more amazing successes. This Annual Report hopes to
  highlight many of them.

  We would like to introduce you to som e of the amazing people that we have been able to h elp thanks to your gracious contributions of both
  time and money. Our goal at PHPG is to provide you with as much information as you could ever want. We believe that it’s essential for
  our supporter s to have no question of who they are h elping and how th eir contributions are being used. So, if you have questions that go
  beyond the scope of this report, please feel free to check out our website or contact us per sonally at (804) 859-5597.

  Our biggest accomplishment last year was rolling out our microlending program. In
  March, we started with seventeen loan recipients in the Avelardo Enrique
  community, located southwest of Granada. We then expanded in September to
  thirty-seven loans by adding a second group in Avelardo Enrique and establishing a
  new community group in the I slands to the east of Granada. Nearly every one of our
  loan recipients has shown extrem e improvements in th eir financial and emotional
  situations. Many have gone on to create savings accounts, while other s have improved
  their homes by adding a latrine or turning their walls of plastic into tin, wood, or

  We believe that this success is due to our unique lending model. We are one of the
  few microfinance groups in the world that offer 0% interest microloans. This goes
  against what many groups in the industry currently believe – people also once
                                                                                               Alex with PHPG loan officers, Gilbert and Marcela
  believed that the world’s extrem e poor were not credit-worthy, and now they are
  considered better cr edit risks than those of us in the developed world.

  We are standing strong behind our decision to charge no interest due to our
  incredibly successful results. We believe that this model is th e way of the future for
  microfinance. We like to describe this method as a hybrid between modern-day
  philanthropy and microfinance. You still get the benefits of reusable capital from the
  microfinance model; however, we also rely on donors to support this system so that
  we don’t have to charge our loan r ecipients interest. Often, in the microfinance
  world loan recipients tend to end up in a worse position than when they began. We
  believe that by not charging interest, we are helping our recipients escape poverty
  instead of forcing them deeper into its vicious cycle.

  We want to thank you all for believing in our mission and trusting us to develop a
  system that would truly change people’s lives for the better. Because of your support,
  we have already been able to change the lives of hundr eds of individuals. Please help us    Isabel with some children from the Avelardo Enrique
  spread th e word so that we can change thousands and eventually millions of lives for the    community outside of Granada, Nicaragua
  better. Here’s to making extreme poverty history.

          Alexander D. Tuck                                Isabel Gamm
          President & Executive Director                   VP & Program Manager

People Helping People Global                                                                                              2010 Annual Report      2
   I n Defen s e of Zero: Mic rolen d in g in Nic aragu a
   In 2006, th e Nobel Prize Committee changed the world of philanthropy by awarding Muhammed Yunus and the Grameen Bank the Nobel
   Prize in Economics. A thirty-year-old industry that was virtually unknown to most of th e world was thrust into th e forefront of modern-day
   giving. With this kind of immediate 21st C entury-popularity comes the good – tons of funding, new companies, and success stories – and the
   bad – tons of wasted funds and corruption.

   Nicaragua has been th e perfect place to observe all of these good and bad occurrences. Th ere were several microfinance organizations that
   were operating in Nicaragua for many years before the boom that followed the Nobel Committee announcement. Over the past five years,
   that number has exploded into the hundreds (and som e argue the thousands).

    For the first few year s, th e increase in microfinance funding started to help alleviate th e extrem e poverty across the country. However, the
   industry leaders around the world started to push for the microfinance institutions (MFI s) to expand rapidly in order to be able to reach mor e
   individuals in need. In order to do this, many MFIs decided that increasing the interest that th ey charged for these microloans was the best
   option. Many in th e industry justified this move by likening it to the current-day l ending practices in the industrialized nations. However,
   comparing the two makes about as much sense as comparing the needs of a Philadelphia inner-city school child to that of a rural West Texas

   This move towards charging higher interest rates functioned as a welcome mat for many unscrupulous lenders to enter the mark et. It has
   literally become a “get-rich-quick” schem e in many parts of the world. It was not unusual to see MFIs charging upwards of 80% annual interest
   on these microloans. At th ese rates, it is quite difficult for these loan r ecipients to be better off than when they took out the loans.

   In Nicaragua, the loan recipients decided that they wer e not going to be taken advantage of anymore, and the No Pago (no pay) m ovement was
   born. Repayment rates dropped from the 98 percent levels to somewh ere in the 40 to 50 percent range. People knew that not r epaying meant
   that their houses would be raided by these lenders and that th ey would be threatened with physical violence. However, they knew that this
   was a small price to pay to send a message to the MFIs who were taking advantage of them.

   That is wh ere we came in. We are very convinced that microcredit is one of th e best ways to provide individuals with a way out of extrem e
   poverty. The unique thing about this method of philanthropy is that th e money is reusable among many b eneficiaries. Also, peopl e who
   receive loans are not receiving a handout. Th ey are r esponsible for repaying the loans, and this creates a sense of empowerment and
   independence that does not occur with other forms of aid.

   But how do we maximize our clients’ chance for success and combat the No Pago movement at the same time? We came up with the idea of
   charging zero percent interest. This allows the full principal to be used by our client, and we ask our donors to cover the cost of facilitating the
   loans. This combines the benefits of microcredit with the principles of philanthropy. Plus, our clients have no reason to not repay anymore –
   they aren’t paying any interest!

   So far, we have seen our r epayment rates remain above 90 percent. Our loan r ecipients smile wh en th ey see us in the distance. They share
   stories with us about their business success and their happy children. We walk into their newly renovated houses with new walls, a solid roof,
   and maybe even a brand new latrine in th e backyard. It’s working. Our clients are beating extr eme poverty. They’re building better lives for
   their families. And they are repaying their loans so that other s in th eir community can do the same thing.

E l Gordo – The Rainy S eason Hero
Wilmur, aka “El Gordo,” came to us in February of last year to inquire about
a loan that would help him expand his store and cheese business. Half of the
time, Wilmur runs th e store and spends time with his children, while the
other half, he leaves the keys with his wife and sets out on foot to sell cheese
door-to-door. On top of his incredible work ethic, Wilmur shows extreme
compassion for his neighbors. During the rainy season wh en times are the
toughest around Nicaragua, Wilmur offers his customers food on credit until
they are able to repay – knowing, of course, that could be month s from th en.
El Gordo truly is the h ero of his town during rainy season.

 People Helping People Global                                                                                                  2010 Annual Report      3
Th e Is lan d Com mu n ity
Lying to the east of Granada’s beautiful colonial center
are the equally amazing Isletas de Granada. Th ere ar e
over 1,000 of these tiny islands, among which two
totally different communities cohabitate. One
community consists of th e super-wealthy from
different parts of Latin America, the States, and
Europe. The other community consists of fishing
families who struggle to f eed their children, drink
contaminated water straight from the lake, and often
lack a latrine or even four solid walls to sleep in.

We had h eard of this dichotomy that existed on the
islands, and we really wanted to investigate a way to
get involved with these families. In September, we
were lucky enough to strike up a conversation with one
of the local tour guides in town, Leo. Interestingly
enough, Leo grew up in the island community, and h e
was very excited to introduce us to his former

Leo Tours gave us a free ride out to his parents’ island,
where the r est of th e neighbors would meet us. It was
quite the sight to see th ese throngs of individuals (some
of whom would have qualified for Social Security in the
States many years ago) paddling our way in their             Juliana – The “Go-G et t er”
barely-afloat vessels. Each of them told th eir story and    In life there are two types of people: those that choose to just live and those that choose
asked many questions about our organization and our          to do more. Th e first type of person does not go above or beyond any expectations that
microlending program. While many of the stories were         they set for themselves, and th ey do what they need to in order to get by. Th e second
heart-wrenching, they were also full of hope.                type of individual, the “go-getter,” is the one that accepts every challenge and tries to
After much deliberation, we decided which individuals        achieve every goal that h e or she sets. These are the people that choose to excel.
would be part of the first group of loan recipients from     Juliana belongs in the latter of th ese two groups. She is one of the thirty-seven loan
the island community. Each of them is working hard to        recipients with which PHPG currently partners. Juliana took out a loan from our
repay so that th eir neighbors may have the sam e            organization to improve her family’s small business of catching and selling fish.
opportunity that they did. So far, th eir community has
a perfect repayment rate. We expect this trend to            Before receiving a loan from PHPG, each r ecipient must select a repayment plan. We
continue with this group. Th ey care about th eir families   offer recipients anywhere from six to eighteen months to repay their interest-free loan.
and neighbors too much to fail.                              When Isabel Gamm, our Program Manager, met with Juliana to discuss her repayment
                                                             plan, Juliana was quick to inform Isabel that “six months is too long. Four months is all I
                                                             need!” Juliana insisted, “we are trustworthy people, and we ar e very grateful to have this
                                                             chance to make our lives better. We are people of th e islands. Fishing is all we know,
                                                             and we know what we need to be successful.” After th e interview, Isabel was both
                                                             confused and inspired by their intense confidence to repay in only four months.

                                                             Due to th e results we have seen from Juliana, including punctual repayments and various
                                                             home improvements, Isabel admits that sh e should not have doubted Juliana’s judgment.
                                                             Juliana is one month away from successfully completing the r epayment of her loan. She
                                                             has been a stellar example of honesty, and she has demonstrated without question h er
                                                             devotion to improving her business. PHPG is glad to have worked with Juliana, and we
                                                             wish her th e best of luck. We expect to see her continual success thanks to her “go-
                                                             getter” attitude.

People Helping People Global                                                                                                 2010 Annual Report        4
  Exp an d in g Markets : Lu is Can o & San Ju an d el Orien te
  Resting on the edge of th e crater
  overlooking Laguna Apoyo lays one of
  the most renowned regions in Nicaragua.
  This region, San Juan del Oriente, is
  famous for their production of
  incredible, intricate, and unique
  ceramics. In Nicaragua, specific regions
  are known for specific products, and in
  the region of San Juan del Oriente, one
  can count on finding anything and
  everything made of clay.

  Due to San Juan del Oriente’s claim-to-
  fame in the ceramics world, one would
  expect that the people of this region do
  not face the sam e levels of poverty as the
  rest of Nicaragua. However, this is not
  true. Th e people of San Juan, almost all
  of whom are ceramic artisans, face the
  same issues that com e along with
  poverty, including hunger, inadequate
  living conditions, and poor health.

  Just because the artisans of San Juan del Oriente produce exquisite product does not m ean th ere ar e people able or willing to buy these things.
  Most locals cannot afford artisan ceramics and the tourists who can, are few and far between. Tourism comes and goes like waves in
  Nicaragua. However even when it is high tourist season, the artisans still struggle to mak e a living, because th ey are forced to compete
  amongst each other to make a sale. This tends to drive down the prices, l eaving the many skilled artisans receiving almost no profit from their
  hard labor.

  People Helping People Global’s Expanding Markets Program works directly with artisans from different regions of Nicaragua. We have
  established a fair-trade price model for the products that we purchase, which is based on time and material cost. We have also put in place a
  system of contracts with these artisans, giving them a source of guaranteed annual income.

  PHPG employs three amazing artisans from San Juan del Oriente. The youngest and most driven of th e thr ee artisans is Luis Cano. We met
  Luis in the streets of Granada where he sells his clay artisan products. Luis’s specialty products ar e his ocarinas, also known as animal whistles.
  These little whistles ar e colorful, detailed, and sweet sounding – they also tend to be quite successful in catching any tourist’s attention.

  Luis’s whole family works in the clay business. This includes his parents, his nine broth ers and sisters, and the countless number of cousins and
  in-laws. Together th e Canos produce a wide variety of ceramic products, which include ornaments, decorative wall plates, cups, vases,
  candleholders, and, of course, th e popular ocarinas. Working with clay is difficult and very dependent on the weather. Sadly, they often find
  their entire inventory ruined due to harsh rainfall or sunless days. The Canos put endless hours into their work and even still, money is tight.

  There are times wh en Luis spends all day walking the streets of Granada attempting to sell his whistl es. On th e days in which he does not have
  adequate sales, h e is often forced to spend the night sleeping on the cold streets.

  Since working with PHPG, Luis and his family have endur ed fewer hardships. They can now rely on the guaranteed sales and income from our
  organization to push them through their hard times. PHPG would like to give a special thanks to our supporter s that consistently purchase our
  fair-trade products. By buying these items you are helping PHPG support a growing number of artisan families. Through supporting our
  Expanding Markets Program, you are h elping artisans such as Luis, say goodbye to the many hardships of a life in poverty.

People Helping People Global                                                                                                   2010 Annual Report    5
    20 10 Fin an c ial High ligh ts

                                                               2010 Revenue
                                                               Program Revenue          $ 10,135         37 %
                                                               Contributions & Grants   $ 8,586        31.5 %

                                                               Events                   $ 7,259          27 %

                                                               Miscellaneous            $ 1,234          4.5 %

                                                               Total Revenue            $ 27,214        100 %

         2010 Expenses
           Program Services              $ 15,018      75 %
           Administration                $ 3,069       15 %

           Fundraising                   $ 2,001       10 %

           Total Expenses                $ 20,088      100 %

Sacorro’ s Sm ile
Posing outside of her home with two of h er
children, Sacorro smiles for th e cam era. Sacorro
has many reasons to smile: beautiful children,
decent health, four semi-solid walls, and a future
PHPG loan that will help her get h er snack shop
off of the ground.

Sacorro came to us a f ew months ago with the
hope that we would be able to finance her business
idea. Like many of our oth er loan recipients, her
main goal of borrowing from us is to help make
her children’s lives better. Th e truth is…she will.

With barely any capital at the start, Sacorro
developed a modest snack shop which allows her
family to survive. With a loan from PHPG,
Sacorro will be able to take her business to the
next level. Her business acumen is already th ere.
She just needs the funding to make it a success.

  People Helping People Global                                                                     2010 Annual Report   6
  Th an ks to A ll of Ou r Su ppor t ers!                        PHPG strives to acknowledge our donors accurat ely. If we have misspelled or omitted your name,
    Reflects monetary contributions made between Jan. 1, 2010    please accept our apologies and contact Al ex Tuck at
    and Dec. 31, 2010. Please see our website for 2011 levels.
 Leaders                                 Elaine & Gary Sonstegard              Timothy & Colleen Pratt                 Dana Mueller
 $500 - $999                             Ellen Schigg                          Tomasz Jemczura                         David & Patricia Fondry
 Community Lutheran                      Elsie Sonstegard                      Tyler Sonstegard                        David & Vanna Tuck
 Eileen Volquez                          Edward Forst                                                                  Donna & Bruce Ellison
                                         Gingi & Tim Schmitt                                                           Douglas & Patricia Reaves
 Builders                                                                      Undisclosed Amount                      Duane & Kathy Schultz
                                         Jonathan Dail                         Aliza Sterling
 $250 - $499                                                                                                           Elizabeth & Fred Griffin
                                         Julie Sonstegard Trust
 Deb & Gary Ellefson                                                           Allison Muth                            Emily Gliebe
                                         Karen & Bill Windels                  Andrew Guidarelli
 Patrick & Cynthia Hansen                                                                                              Erik Post
                                         Kevin & Irene Wr enner
                                                                               Ariana & Erik Wammer                    Ethel & William Uhlir
 Friends                                 Kim & Michael Stavrinakis             Barb & Jerry Lindberg
 $100 - $249                             Kyle & Kim Ellefson                                                           Fiddlehead Family Dentistry
                                                                               Beth & Tom Tailer                       Gary & Pat Gildemeister
 Antoinette Phillips                     Dr. Laurel Gamm &                     Beverly & Hal Colston
 Ashley Barnette                            Dr. Charles Stephens                                                       Harald & Rebecca Aksdal
                                                                               Bill & Marilee Cain                     Harold Houghton
 Autumn & Josh Bondesen                  Madeleine Mann                        Blake & Kendall Ellefson
 Barbara Erie                            Maja & Ryan Paape                                                             Heather Weeks
                                                                               Bopta Lim                               James Ware
 Beth & Jerome Cole                      Margaret Oswald                       Brian Chisom
 Brett & Mich ele Phillips               Mark & Joni Gamm                                                              Jan & Laurel Dech er
                                                                               Brian Wohlert                           Jane Coley
 Dan & Jan Steinbauer                    Michelle Piche                        Brittany Lippard
 Dianne & Robert Kimmes                  Nancy Geise                                                                   Jen D'Erasmo
                                                                               Casey Brennan                           Jerry & Barb Lindberg
 Donald Sonstegard Trust                 Paul & Susan Ruess                    Curt Gamm & Karen
 Edward & Laura Dail                     Rev. Dagmar Rosenberg                                                         Jerry Audet

Mercedes t hanks y ou!

Mercedes is expected to mak e People Helping People Global history
on March 1st . She is part of the inaugural loan group of PHPG, and
she will be our first client to completely repay her loan.

Mercedes is a hard-working woman, and we ar e pleased to have
assisted her in improving her business and her life. We at PHPG
would like to thank all our donors for allowing us to provide loans
to deserving individuals such as Mercedes.

Life is not easy in Nicaragua. Most homes are poorly constructed
shacks made of plastic and wood scraps. A balanced diet is almost
financially impossible. By offering zero-percent-interest loans to
hard-working people like Mercedes, we are giving them a chance to
change these trends.

Thanks to our supporters, Mercedes has improved h er business
selling fruit drinks and snacks to children outside of th e schoolyard
near her hom e. Mercedes has also been able to save up enough
money to repair her leaking roof. She remarked, “next month when
the water comes pouring down, my roof will stand strong.”
Mercedes is grateful to us for giving her a loan, and we are grateful
to all of our supporter s for thinking globally and giving these
individuals a chance to h elp them selves escape extreme poverty this

People Helping People Global                                                                                                        2010 Annual Report      7
 Joan & Brian Peterson         Philanthropic Partners
 Joanne & Terry Ranney         156 American Bistro &
 John & Linda Barksdale           Sports Lounge
 Jordan & Matt Cotto           Anthill Antiques
 Joyce Larson                  Ascension Lutheran
 Kathryn & Richard Clare       Apple Mountain VT Gifts
 Katja & Stephen Von Sitas        & Specialty Foods
 Ken & Judy Tuck               Applebee's
 In memory of Kate Tailer      Asiana House
 Kristianna Post               Bayberry Cottage
 Kyle Walton                   Bella's boutique
 Laura Sorkin                  Big Daddy's Pizza
 Lauren Comet                  Boloco
 Leah & Kevin Taylor           Bueno y Sano
 Lesley Jamieson               Champlain Leather
 Leslie & Antonie Allen        Chow! Bella
 Letty & Carlton Annis         Cosmic Bakery
 Maren Ellefson                Crabtree & Evelyn
 Margaret Corcoran             Dakin Farm
 Marie Jackson                 Dobra Tea
 Marilyn & Fritz Swanson       Eastern Mountain Sports
 Marty & Ken Philbrick         Ecco
 Mary & Bruce Post             Farm House Tap & Grill
 Mary Johnson                  Flynn Center
 Meghan Hartnett               Frog Hollow
 Melanie Sullivan              Good Shepherd Lutheran
 Mervin & Lorraine             Hannafords
    Ingebritson                Happy Trails
 Michael & Sandra              Homeport
    Reynolds                   Joanne Nail-Salon
 Milo Moore                    Kevin Smith's
 Mimi & Les Allen              Kiss the Cook
 Neal Smith                    Leonardo's Pizza
 Norene Gulhaugen              Leunig's Bistro
 Patricia Miller               Mad Hatter
 Patricia Mielcarek            Manhattan Pizza & Pub
 Paul & Janel Gamm             McDonald's
 Rick Presson                  Metro Hair
 Robert & Jeannette Hines      Mimmo's                    This is loan recipient, Jaqualina, with her two children. Jaqualina is part of the
 Robert & Vicki Stauffer       Mirabelles                 second group from Avelardo Enrique, and sh e has taken out a loan from us to expand
 Robin & William Muth          Monelle                    her cash ew and firewood selling business.
 Sal & Allen Simoneau          Muddy Water s             Spirit Dancer Books         Volunteers                   Sejal Vaywala
 Shirley & Terrence            New Moon                  St. Albans Bowling Center   Alex Shore                   Tenzin Lhakhang
    Raymond                    One Eyed Jacques          Starbucks - Church St.      Ani Post                     Zachary Zemore
 Steve Quickel                 Quizno's                  Statements                  Rev. Elizabeth Griffin
 Stuart Meyer                  Riras                                                                              PHPG Fellows
                                                         Sweetwaters                 Janel Gamm
                               Sadie Katz Deli                                                                    Andrew Guidarelli
 Susan Gross                                             Tradewinds                  Joanne Ranney
 Todd & Rebecca Purring        Salaam                                                                             Ariana Wammer
                                                         University Mall             Kelly Bowen
                               Salon Elizabeth                                                                    Christine McMahon
 Tyler Piche                                             UVM Athletics               Kristi Post
 Vicki & David Milton          The Scuffer                                                                        Isaac Campbell
                                                         Video King                  Miriam Mayer
 Virginia & Burton Cross                                 Zabby & Elf's Stone Soup    Nancy Martin

People Helping People Global                                                                                      2010 Annual Report    8
  W ays to Get I n volved
  1) St ay In f orm ed
      PHPG has many different ways for you to get th e latest information about our projects and events. Here is a list of them:
           •    Visit our website – Go to
           •    Like us on Facebook – Go to www.facebook .com/MicroLending or find the link on our website.
           •    Sign up for our Newsletter – Enter your email address on the front page of our website (it’s on the left-hand side) or
                email Alex at
           •    Read our blog – Go to or find the link on our website.
           •    Follow us on Twitter – Go to
           •    Join our LinkedIn Group – Go to and search for People Helping People Global.
           •    Follow us on Jumo – Go to

  2) Vol u n t eer                                       Ivania is part of the 2nd l ending group in Avelardo Enrique. We have our community
      We have tons of volunteer opportunities for        meetings at her house. Here she’s cl eaning fish to prepar e lunch for her four teenag e sons.
      every type of volunteer (That includes those
      of you who are interested in helping out in
      Nicaragua). Please check out our volunteer
      page to see some of the opportunities that we
      offer, and fill out th e volunteer survey at our

  3) P ut t oget her a t e am f or Th e
     Lo an Ch al l en ge
      This summer, a team of PHPG staff,
      Directors, and volunteers will be travelling
      to different parts of the country to talk to
      groups and organizations about extrem e
      poverty and how PHPG works to eradicate
      it. The goal of the tour is to get groups to
      commit to sponsoring a combined 100 new
      loans for families in Nicaragua and fund those
      loans by October 17, 2011 – World Poverty
      Day. Groups will get to choose which families they would like to help, and then they would raise $200 for each loan that they decide
      to sponsor. For instance, if a church was inter ested in sponsoring three loans, then they would select the three families that they
      would like to help, and we would send out materials to them (including a picture of the recipient family to hang up in a common
      area, along with th eir story and other material about th e program).
      If you would like to put together your own group or get your company or church to take on The Loan Challenge, th en ch eck out the
      website,, to see how to get started!

  4) Bec om e a Su s t ai n er
      We have r ecently added the option for our donor s to provide monthly contributions to PHPG instead of having to provide a lum p
      sum once or twice a year. For instance, if you gave $300 in total contributions last year, we are asking, instead, that you sign up to
      give $25 per month, which would r esult in the same level of giving. Doing this has two major benefits: 1) as an organization, having
      a monthly flow of income helps us better-plan our budget by guaranteeing a certain level of monthly cash flow, and 2) as a donor ,
      you can better budget your annual giving to PHPG, making it more manageable – plus you can always change th e amount that you
      would like to contribute if your financial situation ever should change. If you’re interested in signing up, please go to our website,

People Helping People Global                                                                                                 2010 Annual Report     9
 B oard of Direc tors
 (As of Jan 31, 2011)


 Alexander D. Tuck
 Co-Founder & Executive Director

 Isabel Gamm
 Co-Founder & Program Manager
 Vice President

 Michelle Piche
 Consulting Teacher in Special Education,
 Cambridge Elementary


 Emily Rooney
 Herbal & Alternative Medicines

 Paul Gamm
 Chemistry Teacher,
 Bellows Free Academy – Union # 43

 Jonathan Dail
 Fraud Analyst,
 Broadview Networks
                                                       Maria Teresa is a member of the futur e loan group, Cristo lo Une. She would like to expand her
                                                       business of selling meat and grains in the market. As you can tell from h er picture, I think we
                                                       have a passionate, natural-born leader on our hands.
One last note…
Over 2 billion people around th e world struggle               People Helping People Global                  People Helping People Global
on less than $2 a day. Many do not have access to              Main Office – United States                   International Office – Nicaragua
clean water, food, or solid walls. We have a                   89 Evergreen Rd.                              202 Santa Lucia
solution to help some of these 2 billion people                Fairfax, VT 05454 USA                         Granada, Granada, Nicaragua
escape poverty permanently. Through our                        Tel: +1 804-859-5597                          Tel: +505 8383-6051
program, a loan of less than $200 can h elp a family
improve their business and mak e that escape.                                              Find us on the web at:

Thank you all who have committed to ending                                 
human suffering. We believe that through a                                  
concerted effort, we may be th e first generation
in history to ever experience a world without                   Photography by Isaac Campbell (except pp. 2, 4, & 5 – PHPG Staff Photos)
extreme poverty.

 People Helping People Global                                                                                               2010 Annual Report     10