Category Archives: Faith in the Marketplace

Eden’s Bridge Blog Milestone: Top Article

Okay, so my blog is not exactly setting the world on fire but it has just passed 20,000 page views. To date, the most popular post (accounting for about 4.4% of all page views across 160 posts) has been “On Justice and Righteousness (mishpat & tsadaq)—Strong’s 4941 & 6663,”  an excerpt from my book, Eden’s Bridge: The Marketplace in Creation and Mission.

I find this intriguing because given all the other content of the blog, this post is fundamentally biblical and theological study. Mostly what I hear from folk when I share on the integration of Christian faith and economics is that they want bullet points on “what do I need to do.” I am encouraged that my most popular article is focused more on knowing God and understanding his ways.

Eden’s Bridge has been, from its start, a fledgling ministry. Without the support of an academy, I have largely funded operations out of my own pocket. I am deeply grateful to a handful of people who have come alongside and offered help when I needed it most (especially in getting to Chiang Mai, Thailand for the Global BAM Congress last April).

Right now, however, I could use your help. I believe there are two areas of concern that require more research in the business as mission movement. One is on the theoretical (biblical and theological) side where we need to more carefully consider how BAM and Christian Social Enterprise (CSE) tend to set themselves apart from Christians who are already doing “business as business” and whether creating such a dichotomy is helpful, or even a legitimate approach. Are we called to create “alternatives” to worldly institutions (like the marketplace) or are we called to lead and transform these institutions, from where they are, according to the  biblical, redemptive mission of God?

The second area for research is on the practical side. There are thousands of BAM / CSE initiatives popping up all over the world but communications between them is often all but nonexistent. We need academic leadership to step up and engage in the coordinated research of assigning, then collecting, collating, and analyzing case studies to help us better understand what is happening and where, and what we can learn from melding these data in a “big picture” conversation, especially to develop best practices, answer the big questions of funding, facilitation, and mobilizing marketplace Christians from developed economies, and press the community of faith that is transforming business as we know it. The world’s poor continue to die everyday, both physically and spiritually. What is the role of the marketplace in revealing God to the world that they might be fed materially and in Christ?

Would you join with me? Donations can be made at PayPal using my email address: Eden’s Bridge, Inc. is a U.S. registered, 501(c)(3) not for profit corporation and all gifts are tax deductible. Thank you for your continued support, especially in prayer.


Dave Doty

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“Ripple Up” Economics, or How LinkedIn (and Facebook) Can Easily Change the World

As of June, 2013, LinkedIn membership is said to have topped 225 million. The vast majority of those are employed people in developed economies where a cup of coffee can easily cost $2.00 or more. Let’s think about how the sheer numbers of that worldwide association could change the world.

The best way to lift the global economy is to create new jobs. The best way to create new jobs is to fund the startup of new small businesses. In numerous countries, a new business can be launched for $2,000 (US) or less. But let us use that benchmark.

If an investment fund were to be created to help all LinkedIn members invest in global small business development, at $1.00 per day per member, at the end of one year the sum in hand would be $82,125,000,000.00. At $2000 each to launch a new enterprise in a developing economy, even allowing for ten percent costs to manage the fund (because money handlers like PayPal take their cut first if the money is contributed online, and other administrative functions – like finding and evaluating the use of funds – do not happen in a vacuum), the net result would be the launch of 36,956,250 small businesses. . . in one year!

If each one of those business only produced one new job:

The CIA World Factbook ( ) states that the global workforce stood at 3,264,000,000 (2011) and unemployment at 9.2% (2012). That means 300,288,000 are unemployed. If each one of the new businesses launched created just one new job, it would reduce the global unemployment rate to 8.1% (263,331,750 workers) IN ONE YEAR!

Over five years, that unemployment rate could be reduced to 3.5% (115,506,750 workers), cut by more than 60% . . . all for $1.00 per day from 225,000,000 million of the most affluent people on earth . . . LinkedIn members.[i]

The concept is what I call “Ripple Up” economics. As people in impoverished economies rise out of abject poverty, their household incomes are stabilized, and new wealth is created by the increased productivity among the poor, they buy products and services to make their lives more convenient. The funds invested in those economies would circulate within them, stimulating further local growth. Those same funds would then be exported to buy locally unavailable products and the ripple effect would start to reach into more developed economies, creating more demand for products from Japan, the United States, Australia, Europe, and so on, and reducing unemployment in those countries as well.

All gross domestic product (GDP), the core measure of economic energy in the world, ultimately is labor. Unemployed workers are rife with latent potential. Helping them become productive, even in a miniscule way, releases the potential of their effort. That potential, once released, builds upon itself to increase the size of the local and global economic pie to the benefit of all. All for $1.00 per day.

Is that an “investment” business people should be interested in as the rising tide will lift all boats? These are your future customers we can lift from poverty!

Is the cost to any of us so high as to keep us from thinking this is a good return-on-investment (ROI) on our smallish donation to such a cause?

This is a simple idea but one that is actually doable in the face of innumerable global hindrances, especially political, to enhancing the common good. Why would we not do this? This is not an issue of any particular faith or political ideology. This is an issue of human flourishing that affects us all, and especially our children and grandchildren. Such a program would create a rising tide of tax revenues to shore up indebted governments, allow for greater global commitments to education and healthcare, and provide a peace-inducing philosophy (trade partners have been proven less likely to fight one another if it is likely to disrupt their economic health) of human unity.

Production and exchange function at the  very foundations of human community and are the source of all prosperity. Business pays for everything in this world, that is, the value created by the division but cooperation and collaboration of our labors and exchanges provides a better quality of life for all who participate.

Please share this essay…let’s get the conversation going. I know there are plenty of professionals on LinkedIn we can gather together to facilitate the creation of a charitable investment fund that can change the world . . . all for $1.00 per day.

Just think if we accomplished the same thing with Facebook . . . at more than 1 billion users! We could gut global unemployment in less than one year! This is an opportunity never before seen in human history, to work together as one people, globally connected. “What hath God wrought?”[ii]

[i] – “75% of LinkedIn users are college educated, with 27% at the graduate school level. Unsurprisingly, 39% of LinkedIn users make over $100K annually.”

[ii] Samuel Morse (citing Numbers 23:23) – first message sent on May 24, 1844 to officially open the Baltimore – Washington telegraph line.

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Business is Ministry

–          David B. Doty © 2013

The complexity of the ministry to which I have been called is exacerbated by the attempt to press the integration of its numerous aspects, especially theological research and education, and direct business practice. As I have shared with others that I am trying to raise capital funds to launch a new business, the question I most consistently hear is, “How is that related to your ministry?” The queries are honest simply because those asking have not made the logical connection from what looks like to them the two disparate activities.

A consistent foundational concern of maturing in Christian faith is the holistic re-integration of all areas of life – business, education, the arts, family, ideology, etc. ­– into their rightful spiritual significance. When God placed Adam in the Garden (Gen 2:15), He did not command Adam to till and tend the Garden. Rather, those functions were inherent in the created design of being human. Nor did God ask if Adam wanted a co-worker (a helpmate) and the material, intellectual, and spiritual exchanges that would occur within that relationship.

Over time, and especially the last few hundred years and in the progression of Western individualism and pragmatism, many of the various aspects of human life, described above by their institutionalized modeling, have fallen prey to the dis-integrating influence of the increasing complexity and specialization within human cultural and social development. Given that work is inherent to being human, as we have just seen, the influence of specialized work on the human psyche lends itself to compartmentalization of these various aspects of life and even of activities and disciplines within them. For example, specialization calls worship leaders to focus on the execution of music ministry but their time committed to perfecting their talents may undermine their commitment to reflect on the deep theological significance of the lyrics in the songs chosen since they may not necessarily understand their role as also being that of theologian and teacher. The hymnists of old understood the unification of these roles very well and the evidence is in how the lyrics are framed and shared through music.

But to answer the quizzical before me when I present the idea of starting a ministering business, I would begin with the assertion that “business is ministry.” I make this claim in Eden’s Bridge: The Marketplace in Creation and Mission but have found few other voices joining the chorus. More often we hear of business as mission (a means of ministering to specific needs in the world, as witness to God’s glory, or advancing God’s Kingdom in the world) or business for ministry (as a means to generate funding to support the work of churches and missions organizations). I find no fault in either of these concepts other than, perhaps, they fall somewhat short of understanding that business is ministry (as a means of our “being Christ” in the world).

Let me unpack that just a bit. I make an additional claim in Eden’s Bridge that profit should not be the aim of Christians in business. The argument goes that, first, there would have been not need of profit in the overt abundance in the Garden of Eden, and, second, the aim of Christian life is intimacy with God, that is, spiritual prosperity. The material and intellectual prosperity that comes by way of cooperation and collaboration in the marketplace are outcomes of that intimacy. That is not to say that everyone who prospers in the marketplace is intimate with God. Human beings have been bestowed with great strength of both imagination and endurance and can often produce great results, despite the thistles and thorns, by those strengths. But those successes, more typically oriented toward self indulgence, aggrandizement, and glory, are works without faith, just as dead as the futility of faith without works – an obvious theme in the integrative nature of the Gospel message.

So, how exactly is it that business is ministry? The answer lies in the nature of creation itself, which emanates from the nature of the godhead. The central focus of God as God and of creation as a product of God’s nature, character, and will, is relationship. Ministry is simply the mediation of the relationship between God and humankind, and business, as a vital institution in human society, is fundamentally about the facilitation of relationships. It is not the only institution that mediates the relationship of the divine and the temporal but it is perhaps as significant as any simply by the fact that it is the institution by which we survive and even thrive. Notice Jesus often fed people when he preached because 1) he knew they were hungry, but also 2) he knew people with grumbling stomachs are distracted people.

The core function of business is service through relationship. All gross domestic product is ultimately a function of labor, and labor alone. All the materials (and energy) used in production have already been provided by God for the abundant blessing of humankind. We simply manipulate what already exists. Therefore, the only real concern of business is relational stewardship – how we care for others. If we treat our vendors, customers, employees, and communities with the due respect and dignity of being created in the image of God, the outcomes are to be left in the hands of God’s determination. That is not to say we do not exercise due diligence to sustain the business and “give away the farm,” but it places the emphasis on what is not seen rather than what is seen. That is living by faith, or walking in the Light, or according to the Spirit, whichever descriptive phrasing we prefer.

God reveals himself to creation by 1) the order of creation (things tend to work consistently in certain ways to allow us a predictability of seasons and a stable environment, etc, as created by an unchanging God), and 2) in the character of the behavior of His people. We see Christ in another when they behave in godly ways. In the Old Testament, the term holy, when God says “be holy; for I am holy” (Lev 11:44), in Hebrew is qadosh a derivative of qadash which means to be clean, pure without defilement or sin. Sin is always framed as being an act committed against the interests of someone else (see Gen 39:9 or Ps 119:11). Sin can most simply be described as a(n unrighteous) violation of relationship.

Perhaps Micah 6:8 captures best what righteousness, the opposite of sin, looks like: “[God] has showed you what is good; and what does the LORD require of you but to do justice, and to love kindness, and to walk humbly with your God?” In other words, right relationship toward humankind (in justice and kindness) and toward God (in humility) are the echo we hear in Jesus’ words to “Love God and love others” (Lu 10:27, paraphrased).

The point is this: business is a place where we can live according to our relationship with God, that is, in holiness, as witnesses to the very reality of God. As I have argued before, holiness occupies empty space. It cannot be practiced in isolation but only exists within how we interact with others, whether on our behalf or theirs or both. Therefore how we steward every relationship is of vital importance to our spiritual transformation. We lean into our life in Christ by knowing him (in intimacy) and living according to God’s will and ways (in obedience). That can sometimes lead us to face and make decisions that seem irrational to the world (because they are irrational to the world). But that is because godly behavior introduces a bit more of God’s Kingdom which countermands the world.

In the end because business is fundamentally about serving others, and so is charged with a myriad of relational obligations – business is ministry. Without that understanding, we might retain the idea that it is only ancillary to our faith and fall short of all that God intends for it, or us, to be.


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Exchange 2.2: The Journal of Mission and Markets (June 2013) IS LIVE!!!

Read online or download .pdf

AUTHORS INVITED: Submit your article or idea for inclusion in the next issue. See writer’s guidelines here.

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Milt Kuyers Redefining Success

–                  Timothy Stoner

[Return to Table of Contents]

(Reprinted with permission from Doug Seebeck and Timothy Stoner’s My Business My Mission, 2009, pp. 225-33.)

Over breakfast at the Hampton Inn in Vicksburg, Mississippi, one of the founding board members of Partners Worldwide, Milt Kuyers, is sharing with me a memory that determined the trajectory of his life.

It happened in his family’s kitchen. Milt was 11 years old. His parents were talking, and several of the children, including Milt, were listening in. Their father said he had decided to ask for a bank loan because he believed God wanted him to give $1,000 to the capital fund drive of a local Christian school. At that time, he was a factory worker making $80 a week. Although Milt’s parents understood and practiced faithful biblical stewardship, Milt’s mother was taken aback by her husband’s desire. Paying their bills was already difficult, and since the family had no savings, she knew that they were simply incapable of raising that money. Milt never forgot the depth of his dad’s emotion at being prevented from giving what he believed God wanted him to give.

The next day Milt’s father met with the bank manager. Milt recalls, “That evening, Dad came home and my mom asked him what the manager’s response had been. He didn’t say a word. He just dropped down on a kitchen chair, bowed his head, and began crying. Through his tears he told her that the bank had not granted him the loan because the officer did not believe they were able to pay it back.”

Milt never forgot the depth of his dad’s emotion at being prevented from giving what he believed God wanted him to give. As he tells me the story I can feel its impact on him, 60 years later. It has been imprinted on his mind and has served as an example and a motivation throughout his life. Today, after having started and sold six companies, and currently owning 12, Milt and his wife, Carol, live on less than 10% of their income. What his father was unable to give, Milt and Carol have given hundreds of times over.

Family Debt and Reconciliation

After graduating from the University of Michigan in 1958 with an MBA, Milt worked for seven years in private practice as a CPA for a large international accounting firm. He admits he was “on a single-minded mission to become highly successful.” In pursuit of this goal he believed that he was ignoring his family and his relationship with God. He recognized that he needed to strengthen both areas.

As he was doing this soul-searching, an attorney from a leading law firm in Milwaukee called to ask if Milt would be interested in becoming the CFO of a manufacturing company that was poised to grow through acquisitions. Milt discovered that the CEO was a man who valued family, so he accepted the position along with its 40% pay cut. Four years later, at the age of 33, Milt was named president of the company’s first acquired subsidiary.

Milt’s dreams of financial success were being fulfilled, but a telephone call from his younger brother, Cal, derailed the trajectory of his comfortable life. It would put a halt to his plans for expansion and prosperity and would cause a wound that would take years to heal. The purpose of the call was to inform Milt that Cal was in serious financial trouble. The banks were getting ready to call in the loans on his businesses. He was facing bankruptcy. Milt agreed to go to Grand Rapids, Michigan, to talk things over.

At their face-to-face meeting Cal admitted that he had talked their father into guaranteeing his business loans. If his businesses folded it would take down their father, whose only asset was his home. Milt was furious but felt his only choice was to take responsibility for the notes.

The debt load took all of Milt’s excess income and more. For several years he and his wife drove older cars. He recalls overhearing a conversation by a church member who clearly believed he had taken the infamous Dutch frugality to an extreme. Eyebrows were raised by those incapable of reconciling Milt and Carol’s lifestyle choices with his position and salary as president of an apparently successful company. It comes as no surprise to hear him admit that he was extremely angry at his brother.

It took several years, but finally Milt was able to get Cal’s debt paid off. During all that time there had been no contact between the two. Unaccountably, three days before his brother’s 35th birthday Milt began finding it impossible to sleep. He was convicted about his deep resentment of his brother.

On the evening of his brother’s birthday, Milt dialed Cal’s number. He requested forgiveness for the anger that he had been harboring. As he spoke, Cal began to weep. He asked Milt’s forgiveness for what he had done, and soon the two brothers were crying together. They forgave each other, and Milt’s burden was lifted.

Three weeks later, Milt was at work when a phone call came. The message was that his brother had just died. Though deeply grieved, Milt was thankful that God had pushed him to reconcile with his brother three weeks before.

Heart on Fire

In 1984 Milt decided it was time to go out on his own. He began to look for a company he could purchase and turn around so that, as he puts it, he could “live happily ever after.” While doing this, he was introduced to Star Sprinkler, a manufacturer of fire protection equipment that was on the ropes and needed new leadership. It was perfect for developing his skills in “turn-around” work.

Not long after, John DeHaan, a college friend and president of the Christian Reformed World Relief Committee (CRWRC), asked Milt to join eight other Christian Reformed businessmen at a MEDA (Mennonite Economic Development Association) conference in Charlottesville, Virginia. This Mennonite group was at the forefront of a movement to enlist businesspeople to get involved in building businesses and creating jobs in the developing world.

After the day’s session, the nine men would go to John’s hotel room and brainstorm how they could put the principles they had heard about into practice. Sometimes the discussions would extend almost to midnight. Their conversations centered on one question: how can businesspeople address the problem of poverty? Though focused internationally, they did not overlook the reality that there were serious local needs as well.

The late-night talks triggered something deep within Milt that was waiting to be awakened. He went back home with his heart on fire. He had been given an entirely new and ennobling vision of his role in the world. He now understood that he existed to do more than write checks for the church. For the first time he recognized that his position and skills as a businessperson were gifts from God, entrusted to him for a significant function in God’s kingdom.

Milt now saw himself as a steward with unique, divinely bestowed abilities that were intended to have an impact beyond his family and even beyond his church. With that new awareness came a compelling sense of mission and a conviction that he was to begin in Milwaukee, where his business and his home were located. The task would be straightforward: providing work for the unemployed in the inner city.

Forming a Partnership Model

As he prepared his strategy and studied the challenges of poverty, Milt became convinced that the major problem for the poor was not finding jobs, but holding on to them. He concluded that it was essential to partner with an organization in the inner city that could provide the accountability to help unskilled workers develop the practices and habits needed to become valued employees.

Milt contacted several ministries in Milwaukee, but none had an interest in partnering with a businessperson. They were willing to receive his financial support, but they suspected his motives. He tried for six months, but the doors kept closing in his face.

Finally someone encouraged him to speak with Pastor James Carrington of Light House Gospel Chapel, a church in one of the most dangerous neighborhoods in the city. Before calling, Milt discovered that about 20% of the congregation was unemployed. He phoned Pastor Carrington and briefly explained his idea. The pastor agreed to meet and hear him out. He left with his heart on fire. He had been given an entirely new and ennobling vision of his role in the world.

A few days later Milt drove down to the church building at 35th and North to share his vision of partnering to provide jobs, accountability, and assistance so workers could succeed in their work. Pastor Carrington listened carefully. But when Milt was done he did not mince words. “I don’t think it will work,” he said. He was convinced Milt was a white employer on the lookout for cheap labor and good press. The pastor’s experience had taught him that while white do-gooders might start strong, they usually failed to persevere when things became difficult. “The truth of it is,” he explained, “I don’t know whether I can trust you. If I went out on a limb with my people and then you decided to give up, I would lose significant credibility. I don’t want to risk that you will give one member a job and then if it doesn’t work out you’ll just bail on the whole community.”

Milt dragged himself back to his car feeling drained of his last hope. But at home he began to think the conversation over more calmly. A question struck him: Why did the pastor even agree to see me? Why invite me to come to his office just to tell me he didn’t trust me?

Milt went to see Pastor Carrington a second time and repeated his idea almost verbatim. Again Pastor Carrington expressed his unwillingness to partner with Milt. He repeated his fears: “You will probably try this once and then when it gets hard you’re gonna give up.”

Milt left more discouraged than before. On his way back home he protested: “God, it was you who gave me this idea, but no one wants to help me bring it about. Why make me excited about something so wonderful if nobody is going to come alongside?” He again thought the conversation through. Something about it seemed almost staged, as if the rejection were somehow a test. He decided to call Pastor Carrington one more time. The afternoon of the meeting, as he was again winding his way through the narrow streets of Milwaukee’s danger zone, Milt was battling anxiety mixed with the fear of being shot.

Once more Milt found himself sitting across the desk from the African American pastor. For a brief moment Pastor Carrington did not say a word. Then he leaned back in his swivel chair and said, “Mr. Kuyers, you are for real.” It was a statement of fact laced with genuine surprise. Without pausing for any further discussion, the pastor told Milt that he could identify the unemployed members in his congregation who could make good, faithful employees. He told Milt he would call a meeting and invite them all to attend. But, he added, “I’m not sure how many will show up.”

A few days later Milt and Pastor Carrington met with 19 people in the church auditorium. Pastor Carrington briefly introduced Milt and told them that this business owner had a great idea “and,” he said, “I trust him.” As Milt looked out at the group he saw hope in their eyes. What he did not tell them was that he had no idea what he was going to do with all of them. He had come to the meeting having identified only one job opening at Star Sprinkler. A question struck him: Why did the pastor even agree to see me? Why invite me to come to his office just to tell me he didn’t trust me?

Milt pressed forward and asked the group to write down their names, addresses, past work history, and job preferences. He thanked them, put the resumes in a folder, and drove home with them in his briefcase. Though he had arrived at the chapel with a sense of excitement, he was leaving it in a panic. “What in the world am I going to do?” he groaned out loud. He had intended to hire one person, but now he’d created a sense of expectation for 19 people. What had seemed like an excellent idea just hours earlier appeared now to have been a huge error in judgment.

But in the next two weeks something unprecedented occurred. Orders came in so fast that Star Sprinkler needed to hire new workers immediately. All 19 members of Light House Gospel Chapel were put to work. Stable members of the church agreed to provide the accountability assistance needed to help their newly-employed members succeed. Transportation was offered for those who ran into difficulties getting to work. Light House began a daycare center to serve the single mothers who became part of the program.

Pastor Carrington remained personally involved. He made regular phone calls to Milt, alerting him when one of the church-member employees was having unusual difficulties. Through this partnership Milt and his friend James Carrington were able to impact more than 100 members of the Gospel Chapel.

As Milt finished his cup of coffee, he smiled at me. “That was the beginning of Milt the businessperson seeing there is a lot more to life than running your own company and becoming financially successful.”

Hope, Purpose, and Transformation

A few years later John DeHaan called again, this time with an invitation for Milt to accompany him and some others on a “discovery trip” to Central America. Milt recognized that as executive director for the CRWRC, John might have a hidden agenda behind the call. “I knew that John was trying to build a stable donor base of businesspeople,” he said, but he agreed to go anyway. The trip opened his eyes to the impact of Christian community development. The group was exposed to the dramatic contrast between a village with hope and purpose and one where the atmosphere is clouded with despair. Seeing with his own eyes profound economic, material, and spiritual transformation only deepened Milt’s excitement. “That was the beginning of Milt the businessperson seeing there is a lot more to life than running your own company and becoming financially successful.”

In 1992 Milt and Carol traveled with John and Alice DeHaan to Kenya on another “discovery trip.” Also joining the group were Tony Betten, Marv and Joan Cooper, John and Margaret Vander Ploeg, Ed and Marcie Muller, Doris Tuinstra, and Meg Van Tol. Walking through the garbage dumps of Nairobi, which are home to hundreds of people, made a profound impression on them. They were used to seeing problems as challenges to be solved, but what they saw in the slum was overwhelming.

However, as they observed the substantial economic impacts in areas where CRWRC was making inroads, this oppression began to lift. They began to see the potential for businesspeople like themselves to make a significant contribution.

At each project the team would ask the development workers the same questions: “What happens when these microenterprises become successful? What is your strategy when they expand beyond meeting their immediate needs and begin hiring employees?” In each case the answer was the same: “There is none. They don’t need us anymore. They are successful.” The business owners were stunned. Not always as tactfully as they might have, they responded, “But, you need them!” They came to see that relief and development workers often looked at poverty through the lenses of social sciences rather than business. As a result, their focus tended to be on meeting the immediate basic needs (a good thing!), but not on broader economic sustainability.

These businesspeople understood immediately that successful businesses and business leaders are essential engines to ending poverty. Not only will an expanding business create jobs, it can also help pay the bills that the agencies depended upon donations to cover. But as owners of companies and as hard-headed realists, they also recognized that if a project cannot sustain itself there will come a day when the outside resources dry up and those who have been trained to be dependent will be worse off than before.

Milt and John Vander Ploeg decided to partner with John DeHaan in developing a funding arm for CRWRC comprised of businesspeople who wanted to do more than give money. Partners for Christian Development would be an organization that would measure success not by profit but by the number of jobs created. The vision was to link arms with capable entrepreneurs to help them succeed so they could in turn help their neighbors succeed. Ultimately, success would be achieved not when a family was able to feed itself, but when an entire community was freed from both poverty and charity.

It became obvious to Milt and to John Vander Ploeg that their first priority was to change the mindset of businesspeople. The revolutionary message needed to be delivered emphatically and unapologetically: business is not just business; in reality it is an outstanding Christian calling.

In 1997 Doug Seebeck took Milt and some of the other business people back to Kenya to investigate a pilot project. They met with a group of successful business people in Nairobi who had been gathering for weekly Bible study. The Kenyans described the unique cultural issues and needs of their country. Following these sessions there was an agreement that a real partnership as Christians for business development was possible.

The business people broke up into two groups to hammer out the details. The North Americans sat under one shade tree in the Lanana House courtyard and the Kenyans under another. When they came back together they agreed to establish a $100,000 loan fund to be administered by an organization that would be called the Kenyan Investment Trust (KIT). It would be overseen by trustees from both sides of the partnership. The Kenyans committed to identifying trustworthy Christian entrepreneurs who needed loans to grow their businesses.

Looking back, Milt concedes that there might have been a strategic error in the formation of this first partnership. Despite its promising start, KIT was exclusively a loan organization, and the members were encouraged only to borrow, not save. That caused great difficulties, but it was an important lesson that resulted in a savings plan being hard-wired into all future agreements. It was implemented by Simon Ngeru in a new organization: CHESS (Christian Entrepreneurs Savings Society). It began with 25 businesspeople pooling their savings and has grown to include over 400.

James Gitao, a Kenyan trustee and KIT’s chairperson, had a coffee farm that was facing financial difficulties. That same year James asked Milt if he would be interested in partnering directly together on his coffee farm. This called for a drastic re-evaluation of the role of the North American affiliate and its members. Prior to this time, the affiliate partnered by providing loans, advising, mentoring, and encouraging. There was no personal, individual financial risk involved. This invitation to become a viable partner “with skin in the game” caused no small consternation within the organization.

As Milt thought over the proposal, he explains to me, “It was obvious that there was no good, logical, or compelling reason to invest in the high-risk, culturally volatile, and business-unfriendly climate of Africa.” But despite what his head told him, he felt convinced that the Lord still wanted him to do it. This was the first investment in what he would later call “heart entrepreneurship” or “leading with the heart.” That heart investment has helped to save and sustain around 400 jobs in the coffee industry in Kenya.

More Than Playing Shuffleboard

Now in the latter decades of his life, Milt is a very content and fulfilled man. “At the age of 72 I have more joy than if I were spending six months in Florida playing shuffleboard and planning where to go next to eat out. I want to be doing something productive in God’s kingdom.” I sit up. He has gotten my complete attention. I am not used to this kind of language from a multimillionaire.

“There is no biblical precedent for self-indulgence,” Milt continues. “That has nothing to do with God’s kingdom. God nowhere encourages his people to ‘eat and drink and take it easy now that you have reached your golden years.’ In fact, Jesus spoke harshly about the wealthy businessperson who embraced that lifestyle. He warned that he will return when people least expect it and declare: ‘This night your soul will be demanded since there is no place or purpose for you in my kingdom.’” This 72-year-old philanthropist takes a deep breath. He looks steadily at me and says, “I don’t want to be one of the people Jesus has to speak to in that way.”

Milt picks up his cup and finishes the last of the coffee. He shifts gears. “The strength that businesspeople bring to the table is that they have had a lot of experience with failure. They have learned to struggle and to overcome through dogged perseverance and a hard-won dependence on God. They understand that problems and obstacles are unavoidable. Success in only 1 out of 10 ventures is not grounds for discouragement; it is better than never having made the attempt. God makes it so hard. But, I’ve come to see that the struggles are God’s way of saying: ‘Milt Kuyers, do you know who is in control? You think you are so smart and that you can do all these things, but I’m the one who pulls the trigger. Although you have to keep pushing and struggling, I am going to open doors and close doors.’”

He smiles, but his eyes are very serious. “Through the adversity the successful businessperson has been taught the importance of not giving up. You still have to continue plowing forward through disappointments and discouragements. But if you have one success in the face of 10 failures, that’s more than you would have had had you given up or not even made the attempt.” Now he speaks more expansively as a member of the Partners board. “The businesspeople who are drawn to Partners Worldwide are folks who have learned through hard struggles to trust in God. These struggles have served to break them of their independence. Now they can joyfully celebrate what God has done, knowing that it was him, not them, that caused the success. This 72-year-old philanthropist takes a deep breath. He looks steadily at me and says, “I don’t want to be one of the people Jesus has to speak to in that way.”

“The reality is that God needs moneymakers in his kingdom who will be faithful and responsible with the wealth he allows them to create. They are the ones who realize that stewardship is not really so much about what you give but what you allow yourself to keep.” He continues describing the kind of stewards God is looking for. “Their goal is not to give a tithe and live comfortably on the rest, because they know that all their money is God’s. They understand there is coming a day when they will have to give an account for what they justified to themselves they could live on.”

I am stunned and convicted by the depth of this successful capitalist’s commitment to a lifestyle I usually hear spoken of in the abstract. This son of a factory worker who could not give as much as he wanted is destined to hear the same words undoubtedly spoken to his own father: “Well done, good and faithful servant: enter into the joy prepared for you.”

The beauty of it is that because of the wise choices Milt and Carol Kuyers are making now, they are experiencing that joy already.

Doug Seebeck serves as the President of Partners Worldwide which encourages, equips, and connects business and professional people in global partnerships into more than 20 countries to grow sustainable enterprises and jobs. Doug previously served 19 years with the Christian Reformed Relief Committee in twelve countries initiating and managing relief and development programs. He co-founded Partners Worldwide to expand the business as ministry model pursuing the quadruple bottom line: profit, people, planet, and purpose. Doug co-authored My Business, My Mission: Fighting Poverty through Partnerships, a book now at the forefront of the global business as missions (BAM) movement.

Timothy Stoner was born in Michigan but grew up in Chile and Spain, the child of missionary parents. After college, Tim received Masters of Divinity and Juris Doctor. He spent several years as a bilingual staff attorney with Michigan Migrant Legal Services. He now has a private law practice in Grand Rapids, Michigan specializing in estates and trusts. Tim is the founder of Orphan Justice Mission which is committed to caring for more than 450 Ugandan children, most of whom are AIDS orphans.


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The Importance of Incremental Change

–                  Steve Marr

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Most change in business is incremental.  That means that one small change or improvement builds upon another.  Malcolm Gladwell, in his book Tipping Point (Back Bay Books, 2002),  makes the case that small incremental changes can reach a point where they tip to unleash a flood of success. The result isn’t so much about the last step, but about the culmination of many steps.

Think about the straw that broke the camel’s back.  Each piece of straw had limited impact.  Eventually the camel collapses, not because of a bit of straw; but from many bits of straw continuously piled on top of him.

In Scripture we learn that Absalom led a revolt against his father, King David (See 2 Samuel 15-18). While Absalom launched the uprising on a certain day, over time he had been meeting with the people and turning away the people of Israel one person at a time.  If the revolt had started much earlier, nothing would have happened.  Few would have followed Absalom. The key was the incremental day-by-day change that reached a tipping point that made the revolt possible.

Many skills require 5,000 hours of work to master. Consider the road to becoming a professional athlete. At a young age some have far more natural talent than others.  However a 12 year old doesn’t compete with professionals. Step by step, with good coaching and practice, a young player gets better day by day and week by week. When a star emerges we respond as if they came from nowhere. Most often they came from years of hard work, gaining incremental improvement over time.

During my business career, I was thrust into selling part time. It was in the mid 1970’s.  Business was down during a recession and all managers were dispatched to get new business.  I was assigned to make customer calls four to five days a month.  I had very little experience in sales. Over time I learned the basics.  However in the beginning I tried to make the most calls possible with little success.  Then I learned how to qualify prospects.  That led to more effective calls and more business.

I needed to understand how to get to the point quickly.  I learned that I had less than five minutes to hook a customer.  I had to fine tune how to best use that time. I needed to understand how to respond to customer questions in ways that would help move toward a sale.  I needed to ask good questions that would draw out possible opportunities for a sale. I also needed to learn how to close a sale and follow up.

Over time, I was able to develop competency in sales work. To move from being a newbie to achieving competency in sales took several years and many hours of work.  I had to improve a little bit every week.  After the recession passed I focused most of my time on operations. However I maintained a prospective customer contact list.  I made sure to carve out time to meet with customers and new prospects regularly. Incremental change and improvement was my friend.

Another example comes from a Phoenix restaurant. Business had been growing slowly.  Then after an outstanding review of the restaurant in the local paper there was a major increase in business.   Many people ascribed the boost to the newspaper article. However, looking deeper, the owner and chef had worked for several years to improve the menu items using fresh ingredients and sauces.  They also addressed attentive service. While service had been good for the three years before the restaurant had consistently made improvements. Had the dining critic reviewed the establishment three years earlier, the feedback may have been mediocre.  It probably would not have generated such an increase in business. Because of small step-by-step improvements the restaurant had delivered food and service at a much higher standard.

The Lord told the people, “Little by little I will drive them out before you, until you have increased enough to take possession of the land.” (Exodus 23:30, NIV) When Israel was taking possession of the Promised Land progress was slow because moving the people was a slow process. While they made some progress each day, you would have seen little change most of the time. However within a generation they occupied the land.

Often I work with a business owner who is looking for that big breakthrough that will change everything. Over and over I must remind business leaders that it is the daily details that eventually make the big differences.  Incremental change is your ally.  Make sure your business plan addresses this important principle.

Steve Marr has learned from 40 years of business experience that God’s way works.  As an author, speaker, radio host, and business consultant, Marr helps companies and organizations apply the ancient wisdom of the Bible to avoid the common mistakes and headaches of growing a business. Steve is the CEO of the fourth largest import-export firm in the United States.Through one-on-one consulting, Marr connects with business leaders and helps them apply the Bible’s wisdom. He offers practical advice and solutions that help business owners get started, move to the next level, or respond to a crisis that threatens their company. Marr has written several books and also shares his insights through a syndicated monthly business column. He can also be heard on through the one-minute radio feature “Business Proverbs,” heard on over 1,200 radio stations internationally.Marr also speaks at conferences and offers seminars for businesses and organizations. He’s worked with the Billy Graham Center for Evangelism, The Salvation Army, appeared on The 700 Club and 100 Huntley Street, consulted for Family Life Radio Network.

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Feature Article: Changing Chattanooga

–        Dave Doty

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Part 1 – Marketplace Revolution `13: A Partners Worldwide National Gathering

A couple of weeks back, I attended this Partners Worldwide event in Chattanooga, Tennessee. I spent most of Thursday with Scott Soltau (see “Adventures in Grace” in this issue), co-founder and visionary of LAUNCH Chattanooga. We spent time chatting about how Scott came to start LAUNCH with long time friend Hal Bowling and about Scott’s foray into a new business model in his own career. We also spent time visiting some of the businesses LAUNCH had helped get out of the gate (and stabilize) – a food truck business (see “I Have Fallen…But I CAN Get Up!” in this issue), a new barbecue restaurant (whose grand opening celebration took place while we were there), and a floral shop.

There was lull in the action in the afternoon, so Scott and I had ample time to get to know each other. On Thursday evening, we attended the graduation ceremony for more than thirty students who had recently completed LAUNCH’s ten-week entrepreneurs training program. Several participants already own their own small businesses and learned through the training how to stabilize and improve their businesses. Others developed business plans during the course and were preparing for their own business start ups.

On Friday we were treated to several speakers beginning with Rudy Carrasco, United States Regional Facilitator for Partners Worldwide. If you have never met Rudy, you should. His is an indomitable, infectious spirit with a big heart for serving the poor through business as ministry. He laid out Partners’ role in helping local agencies find and coordinate the resources they need to serve their own communities. Our second morning session was presented by Hal Bowling, Executive Director of LAUNCH Chattanooga. Hal outlined LAUNCH’s history and programs, highlighted several of their small business starts, and laid out their vision for the future. LAUNCH has created an effective model of small business development among the marginalized worthy of replication across the country.

The afternoon sessions included great biblical teaching by Robbie Holt, pastor of Mountain Fellowship, Dr. Brian Fikkert, Founder and Executive Director of the Chalmers Center at Covenant College and co-author of the now famous When Helping Hurts: How to Alleviate Poverty without Hurting the Poor or Yourself (2009). Fikkert’s challenge, holding up Chattanooga as an example in his talk “Two Chattanoogas” was that we should all become more critically aware of the divide between the have’s and the have-not’s . . . and do something about it. The afternoon ended with a respondent panel of Sheldon Grizzle of The Company Lab, Paul Green of Hope for the Inner City, and Lane Ford of North Shore Fellowship. The conference closed with a commissioning of attendees to take the charge of rebuilding lives and cities home with us.

To say the event was inspiring would be an understatement. Literally, during Hal Bowling’s presentation, the four of us in attendance from Atlanta (coincidentally sitting within arm’s reach of each other), representing four distinct agencies, were inspired to launch our discussions about forming a city-wide coalition of organizations to “to create a pipeline from economic vulnerability to vocational stability for at risk youth, adults, and neighborhoods.” Furthering that discussion is already being scheduled and will take place in the coming weeks.

LAUNCH has helped start or stabilize 29 new or young businesses in its short two year history. The excitement of those served in having a chance to start and run their own businesses is palpable. It should be no surprise that in years to come, many other cities will be able to point back to Chattanooga and LAUNCH for having laid solid footing for others to spread the Spirit and model from there.

Part 2 – I Have Fallen . . . But I CAN Get Up!

When you meet Julius (Jay) Burrows, you are instantly struck by Jay’s joyfulness and pride of being an independent business owner. Jay and his wife, Sukitha (Suki), are the owner / operators of All Dogs and More, a food truck, in Chattanooga, Tennessee. I met them, and their son, recently at the food truck during a festival. The service is quick and friendly and the food is hot and good. But there is far more behind the big smile on Jay’s face.

As a young man, Jay served his community by helping with after-school programs, mentoring and tutoring school kids through the Young Life program. Along the way, however, he made some missteps and found himself facing drug charges and a prison sentence. The next thing you know, five years have passed and Jay re-enters the community. But he expresses gratitude for his prison experience. It was a wake-up call and motivated him to return to the path of faith from his early life and commit himself to making the most of opportunities.

After leaving prison, Jay soon found that his two jobs – driving a taxi and delivering newspapers – were not really letting him get ahead in life. But 2012 had some major changes in store. Jay was introduced to the LAUNCH Chattanooga entrepreneur training program. He started the ten week course in the spring of 2012. In July the same year, he married Sukitha Douglas. Suki brought fifteen years restaurant and food service experience to All Dogs and More and soon their dreams together started to materialize.

LAUNCH took Jay through the business planning process of narrowing his focus, honing the financial projections, in effect, crossing all the “t’s” and dotting all the “i’s.” Through the process, Jay also came into contact with A Better Tomorrow Executive Director Richard Bennett who helped him locate and purchase their food truck. All Dogs and More was on its way.

Jay is adamant about All Dogs and More being a family business and earlier this year Suki was able to leave her prior position and join him full time . . . and their dreams just keep growing. This fall they will open what they intend to be the first of many, many mall kiosk locations, and they dream even more of the possibilities if they can grow their kiosk model into a franchisable business.

One of the most rewarding things for Jay is that now he gets to facilitate other folk attending the LAUNCH entrepreneur training. He is giving back to the very program that put him in charge of his own destiny in such a short time since his prison release. Jay will be the first to tell you, the transition has been all God’s grace but if not for the folk who envisioned and started LAUNCH and Jay partnering with A Better Tomorrow, that grace might likely have been left unrealized.

At times when you are talking to Jay, he hesitates. You can almost see the wheels in his head turning. His eyes get a little distance in them. And you realize Jay is grateful because he knows that his is a story of the goodness of God manifest in the redemption of his own life.

Part 3 – Adventures in Grace

And we know that God causes all things to work together for good to those who love God, to those who are called according to His purpose. – Romans 8:28

Every once in a while you meet someone you are glad to call friend. Meet Scott Soltau. Born and raised by Christian missionaries in Japan, Scott has a long faith walk through the years of his life. Although his parents are Americans, “coming home” to the United States at age thirteen, Scott found himself on the “outside and invisible.” He had been raised in dual cultures. One was the closely knit culture of ex-pat missionaries. The other was the gracious surrounding Japanese culture of his youth. But in the States, he was an unseen foreigner. He looked like many of his school mates but their culture, as on-the-ground Americans, was new and foreign to him. He learned to adapt. He had to because he was the one who was different even if that difference was masked by his Anglo genetics.

Scott had been sensitized to the plight of the poor and to the importance of ministering to them as he was raised by missionaries . . . or so he thought. It would take nearly forty years for Scott to realize that in some ways he was not so different after all. As he practiced his career in finance, daily he drove past what Brian Fikkert, director of the Chalmers Center at Covenant College and co-author of When Helping Hurts, recently labeled the “other Chattanooga.” This mid-sized Tennessee city has a beautiful downtown and sits amidst the plush, rolling landscape adjacent to the northern border of Georgia.

Chattanooga has received prize after prize for its innovativeness in revitalizing its city center. And it gained acclaim for its benevolence through the publication of Dean Arnold’s book Old Money New South: The Spirit of Chattanooga (2006). Arnold delves into the city’s history as well as its philanthropic bent. He makes the case that Chattanooga may well have been the most generous city in the South in the 20th century. A city steeped in its Presbyterian and Coca-Cola histories, Chattanooga had all the appearances of being a model city worthy of replication across the country.

Scott relates that God’s grace was moving simultaneously on his heart and that of Hal Bowling, a long time friend. Scott had been deeply moved by Kiva founder Jessica Jackley’s talk about the poor at the 2009 Redeemer Ei Forum, and by a six minute YouTube video, “How Not to Help the Poor,” from the Acton Institute. At the same time, Hal was, to his surprise, asked to host an Ethiopian child for a year. He was reluctant but acquiesced. Grace was moving with intention!

Noticing Chattanooga’s growing national prominence, Scott commissioned a study by Dean Arnold to see how the extraordinary multi-generational philanthropic heritage of Chattanooga might be scaled for even greater impact and export to other cities in need. Charitable giving in the city eclipses the rest of the State of Tennessee combined, and that heritage can all be traced back to a single Presbyterian minister.  Today, there are more than 1200 non-profits in Chattanooga.

But the discovery process revealed a rather shocking fact: Chattanooga hosts twice the national average of families dependent upon government and charitable assistance. While Chattanooga features three highly acclaimed college prep high schools, it is also home to highly dysfunctional public schools, and the dysfunction of separation between cultural and social elites and the local poor.

Scott and Hal were suddenly dumbfounded and disheartened by that “other Chattanooga.” They were shocked that their opinion of Chattanooga had been veiled by the city’s charitable history while they were living in a community so highly incongruous with the iconic success model they had hoped to emulate in other places.

So Scott and Hal shifted direction 180 degrees. They pondered what might be done to help Chattanooga narrow that gap and put the whole city on a more level playing field. Having no template, they started digging and concluded that entrepreneurship training to the under-resourced communities would be the best way they could make a contribution. Redeemer pointed the Chattanooga pair to Rising Tide Capital (as Scott puts it, their “big brothers and sisters”), a New Jersey community development not-for-profit, which provides business development, financial services, and entrepreneurial training among the poor.

And grace kept rolling. In the same time frame that Scott and Hal were building a relationship with Rising Tide, Rudy Carrasco of Partners Worldwide (PW) approached Rising Tide. Partners had a robust international development program but sought Rising Tide’s help in developing a domestic program. Rising Tide pointed Carrasco to Scott and Hal. Soon after Carrasco and Partners Worldwide founder Doug Seebeck came and spent a few days with Scott and Hal in Chattanooga.

Those collaborations led Scott and Hal to co-found LAUNCH Chattanooga and later become Partners Worldwide affiliates. They developed entrepreneurial training curricula and started meeting with other local organizations interested in achieving the same kinds of goals. Perhaps that was the final key to the value of LAUNCH, as someone said during a recent Partners Worldwide / LAUNCH event: it takes a community to build a business. Since its founding, LAUNCH now partners with an array of local organizations and businesses such that the coalition is gaining steam in creating jobs by creating businesses. To date, LAUNCH has fostered 29 new businesses in Chattanooga in just its first two years.

In his journey of discovering the needs around him, Scott was energized to discover ways to share resources with what was a new community to him. He had been blessed serving the institutional fixed income community and was looking forward to investing in Chattanooga, especially in a way that would release the pent up energy and economic potential of the many who saw no way to positively impact their financial future and the trajectory of their lives. He had no idea his own story was about to take a big turn.

Grace was not done just yet. A year after starting LAUNCH, another friend of Scott’s, Walt Robinson, suddenly found himself no longer interested in his current situation with a startup company. They surveyed options of what they could do together as a next professional step. Banking and other financial institutions were going through series of rehabilitative tremors and, as Walt and Scott had worked together twice before, they decided to explore serving the investment community together.  As those discussions started, Scott had resigned his own position and fully anticipated he would simply pick up where he left off with another firm.  But having been a party to the beginnings of LAUNCH, he had an “AHA!” moment. He realized he did not want to be part of a big institution and set about writing a “perfect job” description for himself.  But that job did not exist and Scott doubted it ever could. He looked into various partnership opportunities and in a matter of days had finalized the agreements necessary to starting a new business that he and Walt could grow together. Thus was born Bridgepointe Capital, a community bank advocacy business geared toward advising bank portfolios.

Having started BridgePointe Capital, Scott and Walt soon realized there was a second channel that could benefit their clients.  Walt had been introduced to the JOBS Act while serving as a mentor during a Gig Tank competition.  Walt’s background, heading up a commercial lending department of a large regional bank, had shown him first-hand how many businesses in need of commercial loans fall just outside the qualifying criteria of the currently tightened credit policies of most banks.  If a particular bank has a checklist of twelve criteria (many dictated by restrictive state and national legislation), small businesses often meet ten or eleven but not all items, and their requests for credit are denied a majority of the time. The sad part was that very often the bank personnel really wanted to make the loan and maintain the relationship. That is how banks make their money and they realize they are missing out on strong opportunities. At the same time, if those businesses flounder or fail, the lack of credit access undermines the bank’s own local economies.  If I were to write a book about Scott and Walt pursuing this new channel, I would simply call it Lowering the Bar.

In many cases, the businesses rejected for loans need just a bit more of its own equity to be able to solidify the deal with the bank. That’s where Scott and Walt step in. They have created a new category of financial investment instruments using a community-based lending approach. BridgePointe Markets will publicize the capital campaign of the business. Accredited investors can buy in to shore up the gap in the capital raise and banks can do the rest. The beauty of these instruments is that everyone wins – the banks, the companies, the investors, and the communities. BridgePointe’s aim is to lower the threshold (bar) to those businesses just on the bubble of current credit practices. No one yet can reasonably predict what potential lowering that bar might unleash. And an exciting prospect is, as investors see these businesses continue to grow and serve their industries and their communities, they may be enticed to lower the bar even more, creating a cascade effect of business development and growth in their own communities.  As with LAUNCH, BridgePointe became another vehicle for serving the community, using “Business as Mission”.  Apparently, grace takes no rest (Psalm 1121:4).

At Scott spoke to me about his life, his involvement with LAUNCH, and BridgePointe, he consistently pointed to God’s grace as the catalyst. He recounted numerous events the world would call coincidence or happenstance. But Scott will have nothing of that. As he spoke of loss and redemption, several Scriptures came to mind but one stands out. The Prophet foretold that the Christ would come to “provide for those who grieve in Zion– to bestow on them a crown of beauty instead of ashes, the oil of gladness instead of mourning, and a garment of praise instead of a spirit of despair. They will be called oaks of righteousness, a planting of the LORD for the display of his splendor” (Isaiah 61:3, NIV).


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