Just over a year ago, Delia was faced with a dilemma. She had damaged her car, and had been quoted over €600 to fix it. Postponing the repairs wasn’t an option as she needed transport for school runs. But she didn’t have the money to meet such a large expense, and felt she had nowhere to turn.

Delia says getting the loan from NILS was a lifeline, and the process was very straightforward and stress-free.

“I brought in ID and details of my income and what I was paying out. I wasn’t working at the time so I paid back €10 a week, and then when I got a part-time job I upgraded from €10 to €20 a week.”

Delia had cleared this loan by March of this year. However, shortly after that she had another stoke of bad luck; her car was damaged in an accident, and she was left with another substantial repair bill.

“I had to pay €400 and the insurance company was paying the rest. My last loan had been cleared, so I rang Helen and asked about another loan, and it was no problem. They dealt directly with the company where I was getting my car fixed, and I’m now paying back €20 a week again.

“I had thought down the line I might need them again, but I didn’t think it would be so soon,” adds Delia.

If the loans had not been available under NILS, she says she would have been tempted to turn to a loan shark, as there were no other options available to her.

 

It was then that she remembered hearing about Good Shepherd’s No Interest Loan Scheme (NILS). Four years previously, Delia had spent a few months in Edel House in Cork, a homeless shelter providing emergency accommodation for women and children, and she was still in regular contact with her aftercare worker who had mentioned the scheme to her before.

“I was renting a private house and the washing machine was giving me trouble. My aftercare worker told me about NILS, but I didn’t use it then,” says Delia.

“Then last year I damaged my car – my neighbour next door had blocked part of my entrance and I bumped my car off the gate and did €640 worth of damage. So I asked Helen [aftercare worker] about NILS and applied for a loan.”

“I had nowhere else to turn. I wouldn’t ask my family for money. A loan shark would have been next, and you’d be paying back a lot more, with a lot of interest.”  

“With NILS the big thing is there is no interest. You only pay back the amount you’ve borrowed. I wouldn’t ever miss a payment.”

Delia is grateful that the No Interest Loan Scheme was available to her when she needed it most, and also for the support of the aftercare team from Edel House.

“I meet with my aftercare person from Good Shepherd every two weeks – I meet up with them after work on a Thursday. If I’m upset about something, the first thing I will do is phone them for support,” she says.

Other Journals

When a household appliance breaks it usually needs to be replaced immediately, but finding the money to pay for it can be a struggle. When it happens just before Christmas, the financial pressure can be even more intense. The No Interest Loan Scheme is there to help people tackle those unexpected expenses.

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On a farm outside Limerick, Maurice and a team of volunteers are teaching young people how to grow African vegetables for the local community. The No Interest Loan Scheme was instrumental in getting the project off the ground.

 

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“He will have a diploma. She will have a diploma.”

“Il aura un diplôme. Elle aura un diplôme,” chant the children of the Bon Pasteur School in Domaine Marial, a settlement at the edge of the mining town Kolwezi in the Democratic Republic of Congo. The thought that even a single boy or girl in this settlement might one day earn a school diploma is not something that would not have been considered possible a few years earlier.

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“I’m in a better position now to get a job”: A step closer to employment thanks to NILS

Benoit loves to actively contribute to his local community, but as an asylum seeker has not been allowed to work. Thanks to the No Interest Loan Scheme, he recently returned to study and is preparing to enter employment in Ireland.

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Two new businesses help Dropati find her own voice

Dropati is a housewife living in the rural village of Khursipar in Madhya Pradesh in central India. When Dropati first married, the management of the family’s two-acres of land was left entirely to her husband. Over the last year, Dropati has taken on a more active role, starting two new businesses, building a new home and finding her own voice.

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“Thank God we are together again” – The path to Ireland for one Syrian family

It is a typical school scene: a group of children sit in a classroom, several more play football outside, a few lucky ones are having fun on the swings and seesaw in the playground. Over the roof of the building are the words ‘My school’ and on the other side of the picture is written a single word: ‘Welcome’. A Syrian flag flies above the school, while a backdrop of mountains, birds and fruit trees suggest an idyllic valley setting.

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Sharing Success in a Dairy Cooperative

Jayasri and her family – her husband, two children and parents-inn-law – are landless. Because they have no land of their own to farm, the family is entirely dependent on the irregular wages they earn as agricultural day labourers and selling the milk from their buffalo cow.

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Economic Independence Helps Reduce Violence Against Women

The women of Domaine Marial are sewing a bright new garment. Many hands hold down the colourful fabric as one of the women irons a straight new seam.
They are part of a women’s economic empowerment project run by Good Shepherd at their training centre on the outskirts of Kolwezi, a town in the southern-most province of the Democratic Republic of Congo.

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“When you have passion for something it is not difficult”: How NILS helped Champion follow his dreams

Champion is passionate about planes and recently undertook an introductory course in Aviation Engineering, thanks to the No Interest Loan Scheme. It was an important stepping stone for him as he builds his career and life in Ireland.

Read more

When a household appliance breaks it usually needs to be replaced immediately, but finding the money to pay for it can be a struggle. When it happens just before Christmas, the financial pressure can be even more intense. The No Interest Loan Scheme is there to help people tackle those unexpected expenses.

Read more

Sustainable Living, from Congo to Limerick

Sowing seeds of hope: How NILS helped Maurice to develop vegetable garden project

On a farm outside Limerick, Maurice and a team of volunteers are teaching young people how to grow African vegetables for the local community. The No Interest Loan Scheme was instrumental in getting the project off the ground.

 

Read more

“He will have a diploma. She will have a diploma.”

“Il aura un diplôme. Elle aura un diplôme,” chant the children of the Bon Pasteur School in Domaine Marial, a settlement at the edge of the mining town Kolwezi in the Democratic Republic of Congo. The thought that even a single boy or girl in this settlement might one day earn a school diploma is not something that would not have been considered possible a few years earlier.

Read more

“I’m in a better position now to get a job”: A step closer to employment thanks to NILS

Benoit loves to actively contribute to his local community, but as an asylum seeker has not been allowed to work. Thanks to the No Interest Loan Scheme, he recently returned to study and is preparing to enter employment in Ireland.

Read more
Dropati with 2 woman and cows

Two new businesses help Dropati find her own voice

Dropati is a housewife living in the rural village of Khursipar in Madhya Pradesh in central India. When Dropati first married, the management of the family’s two-acres of land was left entirely to her husband. Over the last year, Dropati has taken on a more active role, starting two new businesses, building a new home and finding her own voice.

Read more

“Thank God we are together again” – The path to Ireland for one Syrian family

It is a typical school scene: a group of children sit in a classroom, several more play football outside, a few lucky ones are having fun on the swings and seesaw in the playground. Over the roof of the building are the words ‘My school’ and on the other side of the picture is written a single word: ‘Welcome’. A Syrian flag flies above the school, while a backdrop of mountains, birds and fruit trees suggest an idyllic valley setting.

Read more
Jayasri

Sharing Success in a Dairy Cooperative

Jayasri and her family – her husband, two children and parents-inn-law – are landless. Because they have no land of their own to farm, the family is entirely dependent on the irregular wages they earn as agricultural day labourers and selling the milk from their buffalo cow.

Read more

Economic Independence Helps Reduce Violence Against Women

The women of Domaine Marial are sewing a bright new garment. Many hands hold down the colourful fabric as one of the women irons a straight new seam.
They are part of a women’s economic empowerment project run by Good Shepherd at their training centre on the outskirts of Kolwezi, a town in the southern-most province of the Democratic Republic of Congo.

Read more

“When you have passion for something it is not difficult”: How NILS helped Champion follow his dreams

Champion is passionate about planes and recently undertook an introductory course in Aviation Engineering, thanks to the No Interest Loan Scheme. It was an important stepping stone for him as he builds his career and life in Ireland.

Read more