Delia Mondragon RiosHow did borrower Delia Mondragón Rios rise from poverty in Peru to send her children to college? Thanks to Working Capital for Community Needs (WCCN) and its many lenders here at home, the chain of events is simple:

• Ten years ago, Delia borrowed $100 to buy flour to make bread and start a bakery. She joined a community bank formed by WCCN partner agency ARARIWA. (Community banks are needed since larger banks would never lend small sums to someone like Delia. The community banks also offer financial management training.)

• Over the years she continued to borrow money to expand her bakery.

• With her increased sales and income, she was able to send her three children to the local university.

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