TCP Global Organization Presentation - August 2020

1. tcpglobal@peacecorpsconnect.org
www.tcpglobal.peacecorpsconnect.org
@tcpglobal_microloans
TCP Global
Organization Presentation
August 2020

2. AGENDA
 What is TCP Global?
 TCP theory of poverty
 TCP model
 What makes us different
 Team
 Partners
 Track record
Yumbe District, Uganda – Our
partners are empowered to
administer the loan programs
completely independently
Merida, Mexico – Two of our board members,
Sally Rowley (left) and Helene Dudley (right)
with “Father of Microfinance” Muhammad
Yunus
2

3. WE ARE TCP GLOBAL
 TCP Global was founded in 2000 with a dual mission:
1. Provide affordable loans to marginalized
entrepreneurs
2. Empower and strengthen effective grassroots
organizations
 We accomplish our mission by:
 TCP is an affiliate group of the National Peace Corps
Association (‘NPCA’), a registered non-profit which serves
as the fiscal agent
Finding existing
change-makers in
marginalized
communities
Granting funds for
microloan pools to be
used by local
entrepreneurs
Supporting the
programs through
mentorship and
administrative loan
duties Lunchu B, Zambia – most of our
programs have repayment rates well
over 97% due to our grassroots and
communal model
Pinto, Colombia – our US teams
periodically visit the programs in the
field to learn from and celebrate our
partners’ achievements! 3

4. ~2 BILLION PEOPLE (26% OF WORLD POPULATION) LIVE ON LESS THAN
$3.20 PER DAY – THE POVERTY TRAP NEEDS AN OUTSIDE INTERVENTION
4
There are several, central institutional problems (e.g. macroeconomic governance, corruption & property rights)
that explain economic challenges but there are 3 special obstacles posed to the very poor:
1. Credit Constraints
Risk Aversion
Risking $10 if you have $1,000,000 is
easy; risking $10 if you have $10 is
scary
Willingness to Lend
The poorer you are, the less you can
offer as collateral, and small loans for
lender = ↓ income & ↑ monitoring costs
2. Health and Education
Health & Nutrition
↑ worker productivity with ↑ nutrition,
and ↑ nutrition with ↑ income
Education
Difficult to encourage youth to plan and
to grow for the future if immediate term
life prospects are uncertain
3. Cultural Norms
Group Learning
Groups often fail to adopt more
effective practices because tradition
“works”, and new ideas are risky
Basic Rights
Marginalized groups are less likely to
invest if they are likely to be excluded
or expropriated
Source: Mojaria, Ameet. Kellogg School of Management, STRT 466 Lecture 17 (2020)

5. TCP GLOBAL’S INNOVATIVE MODEL TACKLES ALL THREE OF THESE
OBSTACLES SUSTAINABLY AND AT SCALE
 TCP and its 501c3 agent, the National Peace Corps Association
(‘NPCA’), accept donations
 TCP vets, endows, and mentors grassroots NGO partners working
in hard-to-reach areas that would like to add micro-loans to their
toolkits. TCP never asks for money to be returned
 Local partner establishes loan pool
 Partner identifies candidates, lends out money, and mentors
borrowers, typically micro-businesses and agricultural projects that
are unable to access formal financing channels
 Borrowers pay back principal and interest (at a rate lower than
local bank rates)
 All interest income can be used by the NGO to finance special
projects related to their organization’s mission, typically health,
education, agriculture, or environment
 If certain metrics are met, TCP will allocate more funds to the NGO
– 50% of new funds are added to the loan pool and 50% are
available for financing the NGO’s special projects
1
2
3
4
5
6
DONORS
NGO
BORROWER
LOAN
POOL
1
2
3
4
5
6
7
7
5

6. AFTER VALIDATING OUR MODEL IN COLOMBIA OVER 14 YEARS, WE HAVE
EXPANDED OUR IMPACT GLOBALLY
 TCP Global has provided over
$250,000 of funding to over
39 different communities
leading to over $1,000,000 in
loans for local entrepreneurs
 Partner NGOs have
generated over $200,000 in
earnings to fund community
projects such as:
 Training programs
 Facilities and equipment for
marginalized communities
 Meals and facemasks during
COVID-19 pandemic
6
Senegal
Liberia
Guatemala
Colombia
Peru
Niger
Nigeria
Zambia
Uganda
Kenya
Nepal
Togo

7. HOW ARE OUR PARTNERS RESPONDING TO COVID-19?
TCP Global partners have used over $15,000 of their earnings for
COVID-19 relief in their communities
Kafanchan, Nigeria – our partners used
their earnings to provide food items to
vulnerable families
Fundación, Colombia – our partners have used
their earnings to provide masks and food to
community members
Yumbe District, Uganda – our partners have
continued making business loans to local
entrepreneurs while practicing social distancing
7

8. OUR OPERATING AND REPORTING STRUCTURE IS STREAMLINED AND
EFFECTIVE ALLOWING FOR OUR ZERO OVERHEAD MODEL
8
Program
Administrator
Community
Development
Mentor
Community
Development
Mentor
Community
Development
Mentor
Reporting
Analyst
Reporting
Analyst
Database
Manager
Borrowers
Program
Administrator
Program
Administrator
 Program administration: Our NGO partners have near
complete discretion over administration of their loan pools
 Loan usage: TCP’s only stipulation is that the loans be for
income-generating activities and at a lower interest than the
local bank rate
 Reporting requirement: Partners submit simple Excel files
monthly that track name, date, amount of loan/payment, and
running balance of loan pool
 U.S. based mentors: Volunteer community development
mentors and reporting analysts assist program admins with
strategy and management of their programs (these positions
were additions in July 2020)
 TCP database management: Key information TCP tracks for
donors, new loan sites, and budgeting for additional
allocations to existing programs in good standing
 Recent upgrades: Old structure was program admins and
one manager on Excel, but launching a new MySQL
database with improved reporting capabilities and automation

9. LARGER MFIS HAVE SERVED HUNDREDS OF MILLIONS OF UNBANKED
PEOPLE, BUT WE FILL CRITICAL GAPS IN THE ECOSYSTEM
9
Avg. Loan Size
(USD)
# Partners per
Country
Type of Partner
Partner Size
$394 >$550 $224
10+ 1-5 1-10
Operating rev >
$100k USD
Large, national
footprint
Any, usually very
small
Large MFIs &
NGOs
Large MFIs
Grassroots,
niche NGOs
Source: Kiva and Accion websites, Microcredit Summit (2014 Merida, Mexico)
How we compare to our peersWe believe innovation is not limited to technology – we have a
unique solution for micro-credit & community development
 Small loans: Definitionally, “micro-loans” are ≤ $50,000. Admin
costs are ~30% of loan value at high end, yet 150% of value of
loans ≤ $100. MFIs cannot afford to manage many small loans and
often exclude the smallest income generating activities
 Remote Communities: MFIs rely on interest earnings to cover
overhead, thus they tend to focus on urban areas where loan
volume is higher. This leaves a gap for rural entrepreneurs
 Community Partner Mission: Our partners already have
expenses covered but operate in environments with scarce
philanthropic funding. The partner’s micro-loan pool generates
modest income that allows these partners to go above and beyond
in their mission to serve the underprivileged while being self-
sustaining without further outside resources within 3-4 years
 Lean, nimble structure: Our relationships with partners are built
on trust: they have discretion to act quickly and take risks on
people outside the formal economy, without burdensome reporting

10. OUR PRO BONO ADVISORY TEAM HAS DECADES OF INTERNATIONAL
DEVELOPMENT, FINANCE, AND NON-PROFIT MANAGEMENT EXPERIENCE…
10
Helene Dudley
Founder of TCP, RPCV
Colombia & Slovakia,
active Rotarian, retired
government official
Dave Snyder
RPCV Guatemala, Harvard
MBA, retired international
businessman
Kiki Mutis
RPCV Bolivia, born in
Colombia, environmental
scientist
Jerry Fickel
RPCV Colombia, cattle and
genetic products sales in
LatAm
Sally Rowley
RPCV Colombia,
psychologist
Mark Aledda
RPCV Colombia,
international banking and
Federal Reserve of Atlanta
Balazs Vandor
Project management and
process improvement
professional
Tim Lawler
RPCV Colombia, PhD
psychology Loyola, former
Director of Psychology for
Peace Corps
Jose Tocasuche
Director of Marketing and
Digital Insights for
Canadian Bank Note
Company
[ Rita ]
Rita Novak
RPCV Colomba, Retired
Cook Country Judge
TCP was founded in
2000 by Returned
Peace Corps
Volunteers (‘RPCVs’)
who sought to
improve the lives of
Colombians
displaced by the
country’s armed
conflict
Over 20 years, the
Miami-based team
refined the model
and expanded its
support globally

11. … AND IS TRANSITIONING TCP MANAGEMENT AND OPERATIONS TO A
GROUP OF EMERGING LEADERS FORMING THE SITE SUPPORT TEAM
11
Zack Coen
RPCV Colombia, former
management consultant,
Kellogg MBA
Curt Commander
RPCV Colombia, data
scientist
Josh Concannon
RPCV Colombia, pursuing
JD
Michelle Daniels
RPCV Nepal, education
professional, represented
US in 6 countries
Andrew Koch
RPCV Colombia, venture
capital/private equity,
Kellogg MBA
Elyse Magen
RPCV Colombia,
international development
Chris Roesel
RPCV Guatemala,
international public health
professional
Kenney Tran
RPCV Colombia, MPA
Univ. of Washington
TCP had been seeking
a transition plan, and
with the evacuation of
Peace Corps
Volunteers in March
2020, a group of
RPCVs from all over
the U.S. emerged to
lead the project into
the future
This volunteer team is
driving enhancement
in loan tracking,
partner mentorship,
and donor/partner
engagement

12. WE EMBODY THE PEACE CORPS SPIRIT AND HAVE LEVERAGED THE
ORGANIZATION AND ITS ALUMNI TO ACHIEVE OUR MISSION
12
 TCP is born: TCP was founded in 2000 after a discussion about the best
way to support Colombians displaced by the armed conflict with leaders of
displaced community, social workers, attorneys, and 2 RPCVs
 Refinement and growth: Over 14 years of working with NGO partners in
Colombia, especially education and community development organizations,
TCP refined what now is its model for working with partners. Expansion
outside of Colombia in 2015 was made possible through networking with
other RPCVs. TCP began working with active Colombia PCVs in 2016,
expanding its presence in the Caribbean region of Colombia
 Why the focus on Peace Corps? Peace Corps and its passionate corps
of volunteers have a unique presence and trusted relationships in very
small communities in developing countries that are often neglected by other
international NGOs and host govts (i.e. the target market for TCP’s service)
 Why is the National Peace Corps Association (‘NPCA’) our 501(c)3?
The NPCA is the nonprofit alumni network for >235,000 people who share
the Peace Corps experience. Since 2016, the NPCA Community Fund
accepts donations for TCP. The relationship outsources TCP’s
administrative duties while engaging NPCA’s membership’s spirit of service
Note: See ‘Appendix’ for descriptions of the NPCA and the Peace Corps
Bogotá, Colombia
(April 2000) –
Roundtable
discussion that
resulted in founding
of TCP
Villa Maria, Colombia (February 2009) –
Colombia Project program administrators meet
for the first time

13. PARTNER CASE STUDY: PROEDUPAZ IN SUAN, ATLANTICO, COLOMBIA
13
 Proedupaz: Founded in 2016, Proedupaz is a volunteer organization
based in Suan, Colombia, that serves its community through child and
adult education programs. The program is run by volunteers Alejandro
(‘Alejo’) and Delvis to build community to avoid further armed conflict
 Partnership with TCP: Peace Corps Colombia expanded to Suan in
2015. After meeting changemakers like Alejo and learning local dynamics,
the PCV connected Proedupaz to TCP Global to support local
entrepreneurs and expand its educational programming
 Proedupaz Micro-loans: The program started with a $1,500 USD grant in
2016 that has grown to $12,300 total sent in 4 years, generating $41,809
in loans across 229 borrowers (avg: $183) with a >99% repayment rate.
Loans are primarily for small agricultural projects, restaurants, small
stores, and artisanal product making
 Use of program earnings: Proedupaz has generated $10,173 in
earnings which is has used for additional workshops and COVID relief
 Community ownership: Borrowers meet to share experiences and
attend classes on business management, accounting, and marketing.
After Peace Corps left Suan, the program continues successfully
Note: Loan information as of July 2020
Suan,
Colombia
(May 2019)
– Borrowers
meet
periodically
to share
experiences
Suan, Colombia
(2019) – Alejo
meets with
borrowers in his
home
Additional information on our 30 partners across 12 countries is available in the appendix

14. OUR TRACK RECORD OF GROWTH AND SUSTAINABILITY IS ROBUST SINCE
EXPANDING OUT OF COLOMBIA AND GOING GLOBAL IN 2015
14
$5.3
$12.5
$22.7 $21.3
$33.4
$43.2
$20.4
$38.0
$82.6
$92.4
$141.1
$52.6
$1.1 $2.6
$19.3
$11.6 $12.6
$26.3
2015 2016 2017 2018 2019 2020 YTD
Funds Sent
Loans
Partner Earnings Used
(USD in thousands)
First expansion into
Guatemala, Niger,
and Peru
# Partners: 9 11 14 16 30
Note: YTD as of June 2020. Uses average annual exchange rates to calculate loans and partner earnings used
21
Budget for
full-year 2020:
$53k
86% of loan volume
is LatAm partners
Closed Panama and
US programs,
expansion focused in
LatAm, Senegal,
Niger, and Uganda
YTD 2020: 70% of
loan volume is
LatAm partners as
expansion in Africa
and Nepal quickens

15. 15

16. tcpglobal@peacecorpsconnect.org
www.tcpglobal.peacecorpsconnect.org
@tcpglobal_microloans
TCP Global
CONNECT WITH US!
THANK YOU!
Zack Coen
zack.coen@kellogg.northwestern.edu
Andrew Koch
andrew.koch@kellogg.northwestern.edu
16

17. APPENDIX
17

18. PEACE CORPS AND THE NATIONAL PEACE CORPS ASSOCIATION
18
NPCA is the nonprofit alumni network at the center of a vibrant community of over
220,000 people who share the Peace Corps experience. NPCA champions lifelong
commitment to Peace Corps ideals by connecting, engaging and promoting its members
and affiliate groups as they continue to make a difference in communities in the U.S.
and abroad. NPCA is also dedicated to advocating for, contributing to, and supporting
the betterment of the Peace Corps.
The Peace Corps is a volunteer program run by the United States government. Its
official mission is to provide social and economic development abroad through technical
assistance, while promoting mutual understanding between Americans and populations
served. The program was established by President John F. Kennedy in 1961. Since its
inception, more than 235,000 Americans have joined the Peace Corps and served in
141 countries. In 2020, due to the coronavirus pandemic all volunteers were evacuated
from all posts. There are currently no volunteers serving as of July 2020.
Source: Peace Corps, National Peace Corps Association

19. COLOMBIA PARTNER PROFILES (1/3)
19
Partner Location Description
Age of
program
No Loans
Avg. Loan
Size
Total
Earnings
Cartago Valle del Cauca
Casa del Pobre
Cartago, Valle del
Cauca, Colombia
Catholic volunteer group led by
nuns serving vulnerable women,
children, and people with
disabilities through education and
nutrition
Proedupaz
Suan, Atlántico,
Colombia
Volunteer organization based in
serving its community through
child and adult education
programs.
3.8 Yrs $12.3k 229 $10.2k
7.0 Yrs $10.8k 140 $10.3k
SONCOL La Victoria, Valle del
Cauca, Colombia
9.3 Yrs $16.6k 510 $24.5k
Voluntariado Vicentino
Genova, Quindío,
Colombia
Catholic volunteer group working
for an improved quality of life,
familial growth, and societal peace
12.9 Yrs $13.5k 616 $20.9k
Funds
Granted
$183
$457
$286
$245
Note: Minicol, a US based NGO founded by Colombian ex-pats for Colombian children’s education, connected TCP to these local partners. Data as of July 2020
Catholic volunteer group working
for an improved quality of life,
familial growth, and societal peace

20. COLOMBIA PARTNER PROFILES (2/3)
20
Partner Location Description
Jovenes con Visión
(‘Youth with Vision’)
Pinto, Magdalena,
Colombia
Youth organization that offers
activities, learning opportunities,
and empowerment to rural
children, teens, and young adults
Semillas de Paz (‘Seeds
of Peace’)
Salamina, Magdalena,
Colombia
Foundation supporting small
farmers and child development in
remote communities along
Magdalena River
FUNPARA
Aracataca, Magdalena,
Colombia
Community group promoting
environmental and cultural
activities
La Olla Milagrosa (‘The
Mircale Pot’)
Fundación, Magdalena,
Colombia
Volunteer organization serving
children and families through
education, food donations, and
environmental clean ups
Age of
program
No Loans
Avg. Loan
Size
Total
Earnings
3.1 Yrs $4.5k 69 $3.8k
Funds
Granted
$232
1.3 Yrs $1.5k 23 $1.0k$107
1.0 Yrs $1.5k 24 $1.2k$167
0.4 Yrs $1.5k 11 $0.8k$150
Note: As of July 2020

21. COLOMBIA PARTNER PROFILES (3/3) & OTHER LATIN AMERICA PARTNER
PROFILES
21
Partner Location Description
Note: As of July 2020
(“Hummingbird House”)
Guatemala (3 sites)
Humanitarian organization
committed to helping the Mayan
people of northwest Guatemala
through programs in health,
education, and infrastructure.
AGROVIDA
Trujillo, La Libertad, Peru
Community empowerment
organization offering medical
services and agricultural and
environmental consulting
Guardabosques de la
Sierra (“Forrestry of the
Sierrra”)
Guachaca, Magdalena,
Colombia
Cacao farming cooperative that
provides farmers with technical
training and connects them to
international buyers
0.1 Yrs $1.5k 4 $0$161
5.4 Yrs $11.4k 350 $10.8k$209
4.9 Yrs $42.1k 198 $32.1k$698
Age of
program
No Loans
Avg. Loan
Size
Total
Earnings
Funds
Granted

22. NEPAL PARTNER PROFILES
22
Partner Location Description
Youth in Empowerment
Sector (YES)
Accham District, Nepal
Youth group in the sector of social
mobilization, capacity building,
water and sanitation, HIV and
AIDS, Sustainable Livelihood and
socio-economic empowerment
Youth in Empowerment
Sector (YES) – 2nd Site
Youth group in the sector of social
mobilization, capacity building,
water and sanitation, HIV and
AIDS, Sustainable Livelihood and
socio-economic empowerment
Samaj Bikas Sanja (SBS) Dang District, Nepal
Community organization, resource
mobilization, community capacity
building and advocacy for
marginalized people for enabling
quality of life.
Community Based Org.
Development Center
Parivartan and Adarsha,
Nepal*
NGO building community groups
to tackle business training, health
awareness, and basic rights
* Serves two sites. Note: As of July 2020
Age of
program
No Loans
Avg. Loan
Size
Total
Earnings
Funds
Granted
0.7 Yrs $3.0k 15 $1.5k$215
0.6 Yrs $1.5k 4 $0.8k$357
0.6 Yrs $1.5k 5 $0.8k$307
0.5 Yrs $1.5k 11 $0.8k$136
Accham District, Nepal

23. NIGER PARTNER PROFILES
23
Partner Location Description
Babangata, Niger
Community organization focused
on fostering savings, investing in
productive activities, and growing
community capacity to self-
manage resources
Dosso, Tillaberi, Maradi,
Tahoua, Zinder, Agadez
and Niamey, Niger*
Women in agriculture
empowerment organization
Fifed, Ourzp, and
Achet’Akal
Niger
Kabey Fo, Niger
School hosting 6 grade levels,
adult literacy classes, and village
forums
Age of
program
No Loans
Avg. Loan
Size
Total
Earnings
Funds
Granted
5.2 Yrs $3.7k 102 $2.3k$115
2.2 Yrs $3.0k 270 $1.5k$28
0.4 Yrs $1.5k 70 $0.9k$44
All 3 Partners
are new
$4.5k N/A N/AN/A
Three grassroots NGOs added
through NPCA group “Friends of
Niger”
* Serves two sites. Note: As of July 2020

24. KENYA, SENEGAL & UGANDA PARTNER PROFILES
24
Partner Location Description
ASLA
Dakar, Senegal
NGO that teaches women to make
different kinds of soap which they
sell to supplement their family
income
Chrysalis Uganda Project
Kampala, Uganda
Social services for families
centered around an orphanage
and childcare
CCEDUC
Yumbe District, Uganda
NGO supporting orphans,
vulnerable children, marginalized
women in Yumbe district through
education and business advising
Kenya (Rural Western)
Improves the nutrition/livelihoods
of vulnerable communities by
planting restorative gardens that
grow health, wealth, and a sense
of belonging
Age of
program
No Loans
Avg. Loan
Size
Total
Earnings
Funds
Granted
0.8 Yrs $1.5k 59 $1.0k$86
1.1 Yrs $1.5k 102 $0.8k$30
1.7 Yrs $1.5k 14 $0.8k$230
0.2 Yrs $3.0k 42 $0$100
Note: CCEDUC serves as an umbrella organization for three smaller organizations. Mid-North Priv. Sector Dev. is a new partner in Aug. 2020. Data as of July 2020

25. ZAMBIA, NIGERIA, TOGO & LIBERIA PARTNER PROFILES
25
Partner Location Description
Kabuchi Cooperative
Society
Lunchu B, Zambia
Beekeeping cooperative that also
supports small business
development
Kafanchan, Nigeria
NGO supporting grassroots
agriculture and ICT for
Development in northern Nigeria
Kpalimé, Togo
Volunteer organization
strengthening communities
through education, leveraging local
and international volunteers
Note: As of July 2020
Age of
program
No Loans
Avg. Loan
Size
Total
Earnings
Funds
Granted
0.4 Yrs $1.5k 13 $0.8k$110
1.2 Yrs $4.5k 59 $3.0k$127
0.5 Yrs $1.5k 2 $0$750
Salala, Liberia
Women’s empowerment and girl’s
education organization funded by
sales of homemade lappa
accessories
New Partner $1.5k N/A N/AN/A