"Overcoming poverty is not a gesture of charity.  It is an act of justice.  It is the protection of a fundamental human right, the right to dignity and a decent life.  While poverty persists, there is no true freedom." Nelson Mandela, July 2, 2005. 

Time and again Madiba showed us the way; to have concern for others, to forgive, to rebuild, and to tap into the human spirit's boundless stream of hope to move a nation.  We have a long way to go, but I have hope.  I get to see hope every day in the eyes of a client who has just met her personal savings goal, or a borrower who has successfully paid off her loan.  Our credit builders transform hope into assets like a home of their own and our savers in our matched savings program invest their hope in college tuition.  To all of our supporters, champions, partners and clients, we at Innovative Changes wish you and yours all the best for a hope-filled New Year full of dignity, justice and a decent life. 

Nancy Yuill