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“The way to do that is to memorize it. Start with these seven verses, and then memorize as many as you can. You will always have a scripture to help you through the day, even if you don’t have your Bible.” Gerald committed to memorizing the verses and was so happy about what he had done that he marched straight up to his parents and said “I accepted Christ as my savior today, and I think I might have been responsible for Marian losing her hat.” His parents were surprised, but only said, “Thank you for telling us, son. That’s very brave of you.” But Gerald’s father knew what to do. When they got home, he began taking Gerald to church every Sunday. It was summer and hot, and Sunday morning Gerald was used to getting together with Brian and playing in the willow tree behind the house. They’d built a fort high in the branches where they could see over the whole neighborhood. The preacher talked for a long time, and even though Gerald saw other kids he knew in church, they all left before. She had originally decided that lending money to poor people should be profitable to the business without being extortionate for them. Her own upbringing had been from the same class of people, and she knew that most of them were relatively honest folk, willing to put some effort into making their lives better.With her payoff as financial support, she reckoned she could afford to absorb some losses and still make a profit without charging the earth. She thought she could model her moneylending enterprise on the credit union idea, just have it a private enterprise effort rather than a local community bank.The credit unions worked to fixed rules about how much could be borrowed, and insisted on a track record of saving small sums before lending at all. These organisations had a social purpose as well as a financial one. Her business would be entirely financial, but with a social, charitable, ethos underpinning it.She reckoned that when clients saw how she operated, they would keep.
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