Ibu faced a seemingly impossible situation: She was in need of capital for her pastry business in Jakarta, Indonesia. Without extra capital, she would not be able to grow her business. And without a growing business, she would struggle to pay for schooling for her two boys.

Around the time of this crisis, Ibu faced another challenge: After three years of marriage, her husband converted to Islam, the dominant religion in Indonesia. The couple's two boys converted along with him, leaving Ibu to navigate life in the home as an outsider.

Fortunately, she found the help she needed. She joined a savings group with Five Talents partner GERHATI in Jakarta and was offered a small loan that gave her business the boost it needed. She's now in her second loan cycle with the group and is repaying a loan of about $82. Her business is making a profit, which she is using both to pay off her loan and to create a capital reserve.

More importantly, her group was able to offer her spiritual support. In September of 2010, Ibu shared her story at a Bible study.

"I realize that I need prayer support for my husband and two my children, who I really pray can believe in God and truly [experience] Abba's love," she said at the meeting. "Even though my husband has not opened his heart yet for Christ, I trust God will touch my husband's heart someday."