Article originally hosted and shared with permission by The Christian Economic Forum, a global network of leaders who join together to collaborate and introduce strategic ideas for the spread of God’s economic principles and the goodness of Jesus Christ. This article was from a collection of White Papers compiled for attendees of the CEF’s 2019 Global Event.

by Brian Kluth

Everyone on the planet is on a generosity journey. Each person needs to be encouraged, equipped, and empowered in their faith journey to live and give generously. In today’s complex world this white paper seeks to provide practical and proven models, methods, and materials that can help leaders understand and unleash transformational biblical generosity in the hearts and lives of people everywhere.

For the sake of the readers of this white paper, I have identified and contrasted four generosity world views in the chart below. Please carefully read through these contrasting views to see which views you notice operating among people you know, in the Christian world around you, and in our larger society. I would then like to share with you 10 Ways Christians Learn to Be Generous with transferable and proven models, methods, and materials to better understand and unleash Transformational Biblical Generosity for Christians, churches, communities, and countries

Hopefully, you found the above graph insightful and helpful in recognizing the four generosity views that operate in our world and among people and leaders that you know.

10 Ways People Are Influenced to Live Generously

Now, let’s move on to how people learn to become generous. The fact is that no one is born generous when it comes to giving to God’s work. Joyful and faithful biblical giving and living is something that has to be taught and caught as part of people’s faith journeys to be all that God created them to be. Based on my experiences teaching, writing, and researching on generosity for many years, here is the link to the 5-minute training/discussion video to help you and others understand the top 10 ways people learn to become generous.

Now, let me share with you three slides to help you understand how Transformational Biblical Generositycan work among Christians of all income levels, churches of all sizes, and communities and countries anywhere in the world.

Transformational Generosity for Christians

A number of years ago, I was privileged to participate in several Lausanne Committee for World Evangelization (LCWE) meetings in Atlanta with other global leaders. During these meetings, we were trying to address the need for a generosity movement that would grow and spread across the world. The group grappled with what would need to happen to unleash biblical generosity among those they led and served. Because of my ministry travels to over 50 countries and my writing of biblical generosity materials for leaders in over 100 countries, I was especially seeking the LORD for, “What are the attributes of a generous person anywhere on planet earth?” What would be 100% true about a generous person living on $1/day in the slums of Asia, living in a small rural village in Africa, living in the suburbs of America, or living in a world class city and making millions of dollars a year? Through much prayer and group discussions, I eventually created the 7 Keys to Joyful Living & Giving teaching slide and a 7-Keys to Open-Handed Living in a Tight Fisted World 30-Day Bible devotional and free app (go to your app store and search for “joyfulgiving”). Hopefully, in this list of these seven key milestones, you will see what God did in your own faith journey to ignite in you the desire to live and give generously. Here is a link to the 8-minute training/discussion video on this topic for a grant-funded 6-session Church Generosity online course I helped develop for church leaders.

Transformational Generosity for Churches

For the past four decades, God has allowed me to help train and equip thousands of pastors and leaders in North America, Latin America, Europe, Russia, Asia, and Africa.  Through these experiences and many leadership conversations, I have discovered the five practices that will allow any church of any size anywhere in the world to grow givers and giving. By building on these practices, churches will be able to INSTRUCT people in God’s Word, IGNITE people’s faith, INSPIRE generosity, and INCREASE giving. Here is a link to the 5-minute training/discussion video that goes along with the Transformation Generosity for Churches teaching slide. As you watch the video and read each of the five practices, I trust God will inspire you on ways your church can unleash biblical transformational generosity that will bless families, your congregation, your community, and even the ends of the earth. Many churches have reported experiencing double and even triple-digit giving increases by following these practices that have proven to work in any church, country, or culture.

Transformational Generosity for Communities, Cities, and even Countries!

A number of years ago, I received a personal phone call from Hugh Macellan of the Macellan Foundation.  He asked if I could put together a list of Bible verses that encouraged people to live and give generously that he could share with others. So, I studied and identified 400 generosity Scriptures that I organized into a 40-Day Generosity Bible devotional. Over the years, God has used this simple 40-Day Journey to a More Generous Life Bible devotional around the world to changes people’s heads, hearts, hands, and habits when it comes to their generous giving and living. In America, thousands of churches have distributed this devotional to inspire generosity and increase giving. Around the world, the devotional has been translated into over 30 languages and been freely given out by churches on every continent.

Then, in Guatemala and in Florida, groups of churches decided to do #40DaysofGenerosity at the same time. In Guatemala, over 100 churches participated and greatly impacted communities across their country with God’s love through acts of generosity and charity. In Florida, I had the privilege of working with over 30 churches and many community groups to do #40DaysofGenerosity in the Titusville/North Brevard area. Through these initiatives, a free “givewithjoy” app was developed for Apple and Android phones along with #LoveInAction materials with #PayItForward cards and a GodsLoveforYou.com website. There are now discussions happening with leaders with MovementDay/GrandRapids and other cities, states, and countries about using the free open-source #40DaysofGenerosity customizable model, methods, and materials for their churches and communities. Here is a link to the 4-minute training/discussion video that helps provide more insights into the Transformational Generosity for Communities teaching slide. In addition, these links give insights on how God used #40DaysofGenerosity to transform lives in Guatemala and Florida.

It is my hope and prayer that these teaching models, methods, and materials instruct and inspire you personally. I also hope that the ideas presented here will help you spread biblical transformational generosity in your family, church, community, city, company, country, or culture!

Brian Kluth – Denver, Colororado

by Michael Norman

Normal Beginnings

My parents’ best friends are loud, joke-telling, game-playing people; my parents are the opposite. We were the “normal Normans” growing up. If you have seen the movie My Big Fat Greek Wedding, my parents were the non-Greek parents. My dad worked hard in our family’s small business – my mom took care of three kids in a relatively small, sleepy central Texas town where not much happened. Very normal. I confessed Jesus as savior at a young age, went to church, and all in all had a nice upbringing. I excelled in school and athletics and was able to attend university at a small liberal arts college in Texas. It was great.  

Abnormal Beginnings

I can reflect now that God took me specifically to that school to launch my “abnormal” journey. My family came from humble origins and had no experience internationally, yet I was drawn to studying international relations and business. I met my wife early in my college experience and we dated and married before we finished our education. We were young. Her family was like the Greek family in the movie. They were fun and she was beautiful, had lived abroad and could speak French! Wow! Encouraged by my relationship with her, I studied abroad and my passion for God’s world and his people was ignited. But I didn’t have a view for how this growing passion could flow forth in my life, so I took a “safe” path and went to law school.

We moved cities and I started school. My wife was working in an industry she loved (study abroad) when the opportunity to start a company presented itself in the same industry. We were young and we jumped at the chance. We lived on student loans and small paychecks and life was good. I started practicing law as both my wife’s business and our passion for the nations grew as we got to interact with wonderful people around the world through her business.

Abnormal at Full Speed Ahead and Calling Whispered

I began practicing law in a corporate practice with some great lawyers. I learned how business works, how decisions are made in the corporate setting and participated in some exciting ventures. My wife’s company grew. We started having kids – we ultimately had five – and life felt full. It was “up and to the right” for us. My wife’s situation allowed us to do really gratifying things like travel with our kids for extended stretches. I left my corporate legal job and began being more entrepreneurial myself. I was working mostly on my own and we had flexibility. Our lives seemed charmed to the onlooker.

As you may have noted, until now I have not said much about my faith. “Up and to the right” can make it hard to see your need for dependence on Christ. I had a real faith, but it was confined to a traditional way of thinking about faith, family and work. Thankfully during this time, one of my good friends became involved in the “business as mission” movement. This was early in the 2000s when the BAM movement was originating. He asked me questions like, “how does your faith intersect with your work?” and “how does your faith show itself beyond Sunday activities?” God used these thoughts to grab my heart. I felt alignment in my spirit for the first time; a real calling to align my faith and my daily life in Kingdom of God expanding activities. By early 2008, I convinced my wife that I should leave my legal practice and start a company with a friend. We had some money saved and an idea that we believed could have global ramifications that we could use for God’s Kingdom and Glory. It was exciting. How could we fail?

Crash and Burn but Calling Obeyed

The financial crisis hit and our fledgling business never got off the ground. Then my wife left her day-to-day job in her company, and our income changed dramatically. Then we experienced deep tragedy in our family. Up and to the right was over. We then knew at a deeply visceral level how badly things could go. It was a painful and difficult time. Deep inside though, my business partner and I knew that we weren’t supposed to go back to “normal.” We knew we had a defined calling, so in mid-January 2009, he and I got on our knees in our little office and prayed for God to do something with our business for his Glory – we knew we were called, but didn’t have a clue which way to go.

Shalom

Doors began opening and people pulled us in some very unexpected directions. A new company was borne from that moment. It was a huge dream: we were going to develop a diagnostic test to solve one of the biggest unmet needs in global health. We saw firsthand what God’s favor meant as real miracles happened – my faith “box” was being enlarged almost daily. New colleagues encouraged us with how God had called them into a faith/business journey as well.

But it was also hard. We lived without salaries for several years and used up our savings. We learned and grew, but it was difficult for our spouses. (As an aside, my view is that my wife has a far more difficult calling than I do, as she gets to feel the pain, but often is not a part of the cool moments that happen along the way. She is a praying saint who is a rock for me.) We worked diligently and were successful at slowly raising the money needed to develop the product from a globally prominent group of investors and global health stakeholders. We were at the forefront of the global Christian impact movement and making good progress on our product. We were living out real answers to questions that my friend had asked me ten years before. It was so “abnormal” that my kids struggled (and still do) to say what their dad did for a job, but we felt that we were being obedient.

Then our clinical trial failed. Our stakeholders and investors said they wouldn’t fund any more work on our technology. We had to lay off our staff. Seven years in, it was over. I had lost our investors’ money – some of whom are reading this (and are still my friends) – and we didn’t solve the big health problem.

But shalom was not lost in this process. We had pain and sadness, but over the previous ten years, God taught me how to live shalom. It is not rooted in my performance or the financial success of my business, but in the obedience to God’s call on my life. That is the source of shalom. I sought to manage the business in a way that lived out God’s grip on my life. Though my investors did not like losing their money, they did not come to me with the question of “how did this happen?” or “what went wrong?” We had communicated well and been transparent. Life science innovation is risky. We were doing something that could fail, and it did; but we worked in a way that was still glorifying to God and we continued to press on from there.  

Some who backed us in our former company introduced us to our current company. I believe we are living out our calling through this new endeavor. I also believe we will succeed financially and that the learning we gained in the previous company has increased that chance. No matter what happens, I will strive to continue living shalom, because it is not dependent upon my financial success or how well I manage a company or whatever else may happen in my life, but rather on my daily obedience to God’s calling.

This is one of the 2020 CEF Whitepapers. For more information on the Christian Economic Forum, please visit their website here.

Article originally hosted and shared with permission by The Christian Economic Forum, a global network of leaders who join together to collaborate and introduce strategic ideas for the spread of God’s economic principles and the goodness of Jesus Christ. This article was from a collection of White Papers compiled for attendees of the CEF’s Global Event.

by Anonymous

We don’t have a resource issue in the Body of Christ—we have a heart issue. Although there are estimates that Christians hold $20–100 Trillion in wealth, starting with $20 Trillion seems to be an excellent place to start.  

What would happen if $20 Trillion held by Christians was unleashed in our cities as an expression of God’s grace? What would happen if marketplace leaders saw their businesses as their ministry and came together to pool their capital to invest in for-profit “impact investments” and scalable end-use ministries in their cities?  

Since reading The Treasure Principle by Randy Alcorn in 2000, I have been asking these questions of myself and others, not as an intellectual exercise or for debate but to explore and practice living out biblical investing, generosity, and wealth creation as an entrepreneur. One of my early mentors, Walt Henrichsen, would often express it by saying, “We all take risks in the direction of our hope. When you take risks in a particular direction, you identify where you have placed your hope.” Perhaps this is obvious to others, but eternal accountability and rewards were a powerful insight that radically changed how I thought of risk along with income and wealth creation. 

Having spent half my life living and working in China/Asia and half in the US, I have seen brothers and sisters in Christ taking bold risks in the direction of their hope in Christ in for-profit businesses and non-profits. However, I also noticed that these were almost always operating in isolation with practically no connectivity to others in their city, diminishing potential impact. Where I have seen collaboration, it has often been through those linked with CEF. Many of you reading this have already made significant progress in many of the most pressing challenges of our lifetime.  

In 2017, after my family and I returned to the US, I sensed from the Lord some questions: “What if we could unlock $1 Billion in capital in the city of Columbus (and 10, 20, or 100 other cities) that would be invested in for-profit impact investments and strategic scalable ministries dealing with the biggest problems in our city? Would we be willing to take the risk and see if God could provide a 10-20-50 or 100x return in this life and the next?”

Over the last five years, we discovered 6 phases for initial steps to unlocking this capital in our city. These phases are not exhaustive or prescriptive and will undoubtedly change by this time next year. However, we are attempting to establish principles that can be easily communicated and given away to other cities. Many within the CEF community have already been practicing similar types of approaches and hope there can be a common language and encouragement to do this at scale.   

Phase 1:  Dealing with the Knowledge Issue of God’s Kingdom Economy

Over the last ten years, we have been blessed to see incredible works to bring together resources, stories, and research that provide more than enough content to give a clear biblical picture of God’s economic system. The content makes it clear that we are stewards, not owners. Here are some excellent resources to reframe how Christians should be thinking and living as it relates to stewardship and God’s economy: Faith Driven Investor and FDE, Crown Ministries, CEF, Tim Keller’s sermons and books, Kingdom Economics (Brett Johnson), Practicing the King’s Economy (Fikkert, Holt, and Rhodes), and Money, Possessions & Eternity (Randy Alcorn).

To compliment this, we need more of the incredible practical stories of Christians who have discovered these principles and put them to work in their businesses and personal lives. These stories can encourage and give models that others can use to live out their stewardship.  

Phase 2:  Necessity of Opportunities to Communicate Kingdom Economic Principles to Broad Audiences

Marketplace leaders need to create opportunities for broad-based discussions/meetings/talks on generosity and impact investing and leverage our capital as Christians for the good of our cities. These can be larger audiences in the hundreds to smaller 40–50 person events. However, the focus should be broader to identify those who resonate with the message and are ready to go deeper in both the knowledge and practice of the principles.  

We have found that marketplace leaders are drawn by the idea of using their talents and accumulated resources to impact their community for Christ. They are attracted by the ideas of impact investing and working with others to leverage resources to impact their city for Christ.  

In Columbus, we have used a combination of approaches for broader gatherings. In some cases, we utilize those in our city to give testimony on their journey and the practice of these principles. We also bring in national thought leaders to expand our thinking and application. 

This broader sowing approach leads to marketplace leaders selecting a more intentional phase of learning and practicing.  

Phase 3:  Initiating “Investing in the Eternal Kingdom Cells” of 10–25 people 

We all realize most marketplace leaders do not need another meeting or Bible study to attend. However, to have an impact, we must create a compelling opportunity for leaders to come together to share Christ in the context of these Kingdom economic principles. We must move beyond concepts to the heart issues that prevent practical applications in our businesses and companies. Here are some basic principles we established:

• There needs to be trust built and absolute secrecy on what is discussed, so we are free to share. 

• Only marketplace leaders are to be a part of a group, and we are not to use the group to solicit from one another.  

• There is no lecture/sermon. Instead, content and principles are facilitated each week, and the expectation is that the Spirit is leading us and everyone contributes as the Lord leads them. Sharing our lives with one another is foundational to the trust created.  

• Although the meetings are 1 hour, most members are organically integrated into each other’s lives weekly. In addition, many are on Boards and part of strategic end-use ministries in the city.  

• The content always returns to God’s economy vs. the world’s system. We deep dive to understand and see how our decisions are influenced and encourage one another to remain operating by the Spirit in God’s system.    

After 2+ years of being together, we felt compelled to take things to the next level of intentionality.  

Phase 4:  Holding “City Reaching Generosity Evenings” 2–3 Times per Year

Although many of us were doing impact investing projects together and supported various end-use ministries in our city, we sensed another level of intentionality we could pursue. In February of 2021, we did our first “Generosity Evening.” We committed to the following:

• Each person would pray in advance of the evening “how much” they sensed the Lord wanted them to give. The amount was to be over and above already committed giving.  

• Each person was to pray in advance about one end-use ministry in the city that the Lord would want to be considered as part of the evening. The intent was that the ministry was dealing with one of the significant issues facing our city and was doing it well.  

• Upon arrival, after a time of prayer, everyone confidentially wrote down the number the Lord had led them to give. Those were put in a bowl and tallied anonymously.  

• Each person then gave a concise summary of the ministry the Lord had laid on their heart. No persuasion. 

• After a few minutes, we returned to a time of prayer, asking the Lord to give us a unanimous leading of the Spirit on which ministry/ministries were to be selected. Again, no discussion, just prayer until the Lord confirmed three ministries to be funded.

• We then repeated the process of prayer and discernment until we also confirmed the amounts to be given to each. Spirit-led, not an extended open discussion. We joyfully concluded this process in about 90–120 minutes.

• We then enjoyed an incredible meal, sharing what the Lord revealed to us during this time and asking, “When can we do this again?”  

• All monies were distributed to the various ministries through a confidential vehicle set up through NCF. Therefore, this group can practice Matthew 6 principles of giving with confidentiality. Also, we do not know the amount others have given to protect against comparison.  

On the first evening, $300,000 was raised and distributed by seven people. The 2nd session, approximately a year later, had 14 participants with more than $1,200,000 raised for six ministries. The 2nd session saw such an incredible movement of the Holy Spirit, and the evening was filled with tears, laughter, and joy at how the Lord moved us together. It was a beautiful evening of worship and fellowship in the Spirit.  We all recognized the $ amount was not important, but the responding to the movement of the Holy Spirit that evening was an act of obedience we experienced together.   

We are now beginning to see the pathway to unlocking and unleashing $1B in capital for our city. We are seeing that by giving not only from income but also from wealth the Lord has entrusted to us via companies, real estate, and other vehicles, we can scale quickly to $1B. For example, if each Kingdom Cell has the capacity to unlock $10–50M in capital, then we would only need 50–100 Cells in a city to reach this first target.   

Phase 5:  Establishing “Stewardship Accountability Teams” of 3 People

Most Christians have never thought of putting themselves into an accountability relationship related to the stewardship of the resources entrusted to them. It is generally off-limits. As a subset of our Kingdom Cell weekly gatherings, we have established stewardship accountability teams where we mutually submit to one another on our stewardship of time, talent, treasure, and relationships. This cooperation involves an open-book approach to our resources and requests for feedback on where we are in the process. These teams intend to encourage going to the next level of living out the principles of the Kingdom economy.  

This 5th phase can begin at any point, but I have listed it in this order as it was how it organically happened for us.  

Phase 6: Launching a “5 Talents Collective” (or whatever you want to call it) in Your City

We desire to see deep spiritual integration and impact in our businesses and our communities. Such integration will require a group of leaders and their families willing to mutually and humbly submit to one another and set aside personal agendas, fears, and limits on God’s ability to produce the results He wants. It has to be about the process, not the $ amount deployed. It will require tremendous mutual trust and commitment up front never to break relationships over money. We all have seen too many situations of professing Christians cheating, suing each other, and breaking relationships over money, power, and who gets the credit. It is heartbreaking to us, and I can only imagine how heartbreaking it is to the Lord.  

The following are some examples of what this might look like in a city:

1. Kingdom Cells commit to “Generosity Evenings” 1–3 times per year to keep the practice of giving together consistently.  

2. Existing Kingdom Cells commit to disciple others to launch their Cells within their sphere of influence. Repeat this process with the hopes of 100 groups across a city. 

3. Commit to giving from wealth, not just income. This commitment can be the equity in your business, your own real estate, equities, and other assets you manage. How each person expresses this cannot be mandated, but it should be encouraged to think differently about leveraging what has been entrusted to us as 5 Talent people. NCF, Commonwealth, and the Impact Foundation are excellent resources to do this effectively.  

4. From the wealth and income you have committed to give, determine how much you would give as part of a city-wide collective that seeks to solve one or more of the big problems in your city. Collective giving can be far more powerful and scalable than individual giving. Unfortunately, what prevents such giving is usually fear, pride, and control.  

5. Commit to taking a portion of your portfolio for impact investing with others. There are a tremendous number of companies seeking investment from impact investors. Our capital has influence, and we must be shrewd in leveraging capital for Kingdom-focused investing. Suppose we can invest 1 dollar that returns 5 dollars, and the business is spiritually integrated. In that case, this is an incredibly clever way to increase our influence in our cities and generate more sustainable capital for end-use ministries and more impact investment opportunities.  

6. Practice principles of “gleaning” and “jubilee” in your business, should you have one. Adapting these principles includes how you pay, the type of healthcare, and even the willingness to give ownership of your business to those contributing to the company’s value creation. Modeling principles of abundance to those in your company is an expression of the Gospel. I have had the privilege of practicing this with my business in China/Asia and our COhatch business in the US.  

7. As your 5 Talent Collective takes shape by the Lord’s leadership, you can identify the worst zip code in the city. You can discern the most acutely felt spiritual need in the city and decide to allocate the collective resources (time, talent, treasure, and relationships) to take on this need in your city. Principles of collaboration and mutual submission bathed in prayer will be foundations for light to be brought to the darkest places of our cities.   

We can now see a Spirit led path to $1B being activated in our city and $20 Trillion globally.

1. 50+ Kingdom Cell groups on average unlocking $20M each in aggregated capital to be deployed 

2. The $20M is a result of families giving from their wealth creation, not just income. If 20 families are in each Kingdom Cell, then it is $1M average per family that is unlocked.  

3. 1000 families unlocking on average $1 million each to reach $1B in the city  

4. 20,000,000 families unlocking on average $1 million each to reach $20 Trillion globally

Conclusion

We have been blessed in Columbus to be a part of the initial stages of what appears to be a global movement of the Holy Spirit to inspire like-minded marketplace leaders that want to take responsibility for their role in the Body of Christ. The Body of Christ has the resources to meet the needs of our cities. Jesus waits for His Body to love our neighbors and become the fullest expression of the Church that God has intended since eternity past.  

Are we prepared to count the cost and take the risk?  

Are we willing to risk temporal resources for eternal rewards?  

Are we willing to put relationships before money?  

Are we willing to leverage our resources together, trusting God for the results?

Imagine millions of Christians globally leveraging their resources to love their neighbor.  

Imagine billions of dollars in every city deployed to serve one another as an expression of God’s grace that has been extended to us.  

Imagine $20 Trillion globally unleashed to serve our cities, as the Body of Christ demonstrates in whom we really trust!  

My hope and prayers are to see this in our lifetime!

by Christian Slager

Trees have always fascinated me. As a child, I loved to lay under these majestic organisms, gazing at the reflection of sunlight playing through the leaves. Trees mark highlights of my personal life. As a young adult seeking truth, I met Christ reading under a tree. Trees have a significant place in Scripture. Think of the tree of life or the saints pictured as trees of righteousness. Fascinating!

Spiritual Awakening 

In the early 2000’s, a spiritual awakening in Bamenda, Cameroon caused many to convert to Christ. People were standing in rows at church doors to receive prayer. Many churches were planted in the rural areas. Spiritual blessings were poured out, but the church remained economically poor. The ones suffering the most were the church leaders’ families. They were hungry. In these circumstances, many leaders were tempted into preaching a prosperity Gospel to ensure their livelihoods. The prosperity message revolves around the idea of ‘what can I get from God?’ But the danger is that it keeps our selfish nature intact. The awakening was slowly quenched out by greed. 

Laying Down His Life

Steven Babila, a pastor in Bamenda and one of the leaders of the awakening, chose differently. In 2003, he laid down his church ministry and started growing vegetables to provide for pastor families. We recognized the heart of Jesus in this act of humility and started supporting him. By 2014, his farm became self-sustaining, supporting poor pastors, Bible school students and missional activities using Cameroonian resources. Many young pastors were sent out as church planters into rural areas, but they suffered because the mother churches could hardly provide for them. We sought God for a solution: How could Christians in Africa become economically viable producers and change from being ‘takers’ to ‘givers’?

Movement of Givers

Praying for keys on how to unleash a movement of givers, we envisioned a tree – an organism where giving leads to multiplication. This led us to formulate a new vision in which pastors practiced and taught sustainable agriculture. Most Africans are farmers and these agri-pastors meet people in their biggest felt need: hunger. We envisioned equipping poor farmers to not only provide for themselves, but also to be good disciples of Jesus, disciplined stewards of God’s land, and become producers – generous givers that share and give back from their increase. So a movement will be created whereby these same individuals, families, and entire communities themselves BECOME the solution (as disciples of Jesus). THEY are the solution to the poverty third-world Africa is experiencing.

Training Farmers

We trained 51 farmers in Balikumbat, Cameroon, providing them good quality seeds from our farm. After a successful harvest, they returned seeds so we could continue to help others. We also invited farmers to give freely from their harvests towards the church. The pastor could then take care of the church and the needy. We found that the church grew, not only in a spiritual and socio-economic perspective, but also in dignity. Now they were producers, able to ‘give’.  What joy there was in this community.

Training Trainers

In 2017, we discovered that Foundations for Farming was practicing a complementary process: combining conservation agriculture with stewardship and so we partnered with them. In 2018, we brought the Cameroonian team to FFF, Zimbabwe. Many puzzle pieces fell into place for them. They left with a vision to reach a nation for God and unleash a movement of givers by using FFF as a tool to equip the church-planting movement to steward their resources well. We train people to use a variation of the Pfumfudza plot (52 rows of mais), which is a plot to feed a family of six for one year. We teach them to plant 55 rows – 52 for their food security, one for the trainer (Deuteronomy 25:4), one for the church (Leviticus 27:20), and one for the poor (Leviticus 23:22). We aim to create a culture of joyful giving and have people experience the Lord’s provision and His multiplication (Proverbs 3:9-10). 

From Takers to Givers

At present, we are establishing a national training center on this farm, which is steadily growing despite a military conflict. Food security doesn’t mean the end of poverty; we need to connect these people groups to the market. What we experienced in our first pilot – training 51 farmers in one village – was that the amount of crops they harvested flooded the local market. We managed to buy a fair amount of their produce and created a storage facility in the church so that it could be sold off later in the season. We believe that this is a good business model for the local church. Most local churches lack the liquidity to practice this, but once put in place, they can quickly return the investment. The next level up is product enrichment – our passion is to make these poor, small scale farmers a vital part of an honest value chain.   

Understanding Poverty

Since the early 2000’s, I’ve been involved in ministering to ‘the poor’. The world associates poverty primarily with a lack of material resources. The Bible acknowledges this type of poverty, but also looks at the condition of a person’s heart: man’s heart is evil from his youth (Genesis 8:21). In serving the poor, we’ve come to realise that to come out of poverty, a heart change is needed. Whether rich or poor, one could say: ‘no poorer life than the life of a selfish person.’ 

Christ is the Antidote in a Selfish World

When we get to understand the Gospel’s diagnosis of our inner state, we realize that it’s not at all about us. Jesus stated: “Whoever wants to be my disciple must deny himself, take up his cross, and follow Me. For whoever wants to save his life, will lose it, but whoever loses his life for Me and for the Gospel, will save it” (Mark 8:34-35). One of the things that attracted me to Christ is His boundless giving. How could we practically give without making people dependent? How could we teach people to start giving so that Jesus could do the multiplication? 

Don’t Despise Small Beginnings

Let’s look at a tree as a life-giving organism. A tree starts its life as a tiny seed. Some trees can become giants and live up to 2,000 years. These majestic creatures bring glory to God as they point to our Creator. But even though we might be impressed by a tree’s sheer size, enjoy its comfortable shade or tasty fruits, a tree’s purpose is not just this. The soil, sun, rain, air – the entire organism serves to produce seeds that bring forth life according to its kind. The purpose of a tree is a new tree, or even a new forest! Likewise we as Christians are meant to bring forth new Christians (and churches – new churches).

Multiplying by Sharing

Jesus states in John 12:24, ‘…unless a kernel of wheat falls to the ground and dies, it remains only a single seed. But if it dies, it produces many seeds.’ This is exactly what Christ did; He laid down His life for us and in doing so, gave us eternal life. This life is multiplied in others that are ‘born from above’. Jesus secured His legacy on earth, sharing His life with His disciples; equipping them to lay down their lives as well. There really isn’t much we can add, but share the little we have and surrender it to Him. His part is the miraculous event of transformation and multiplication.  

Favourable Conditions

The degree of the success of a tree depends on its conditions. Air, sun, water, nutrition and soil all play their part. As ministers of God, we can create favourable conditions for the miracle of transformation to happen in the lives of the poor. Sharing the Gospel of Christ’s love with them, modelling selfless giving, and inviting them to do the same. As poor people start giving of the little they have, the Lord may perform a miracle….

The Tree of Life project aims to strengthen rural farmers by training trainers in Foundations for Farming, Family, Finance and Health – a holistic approach to poverty eradication. In everything we do, we aim to include discipleship (stewardship) and the principle of self-support (or group-support). We are currently setting up training centers in Cameroon, Malawi, Kenya and Angola. We also come alongside existing training centers with the aim of assisting them to become more self-supporting. We have developed the Tree of Life app to tell the world about Foundations for Farming, Crown’s ‘I Was Hungry’, monitor our trainers’ progress, and facilitate them with offline training materials and a soil scanner. 

—

This is one of the 2020 CEF Whitepapers. For more information on the Christian Economic Forum, please visit their website here.

by Luke Bolton

Three Views on Values-Based Investment Screening

Few experiences impact your perspective as quickly as living abroad. Life in America was normal for our family, but when we moved to Asia a few years ago everything changed. Our local neighbors saw things quite differently than we did. We quickly learned that everything we did could be seen from multiple perspectives.

Looking at something from multiple perspectives is a valuable practice in many contexts, such as in teamwork and relationship building. By seeking to understand the perspective of others, we can develop empathy, deepen our understanding, and demonstrate respect for others – even if we do not agree.

Joining a Community

Those who participate in the faith-driven investor community come from a variety of backgrounds, united by a desire to integrate Christian faith and investing. To say we are dealing with a debated topic from a wide range of viewpoints is to admit the obvious. But as I see it, diversity of thought can be a sign of health in this movement characterized by creativity and rigorous thinking within a framework of unifying principles.

While there are many ways to honor the Lord and reflect biblical thinking in our investing, one recurring topic in the public market conversation is values-based screening. Since our views on it are diverse, the purpose of this article is to invite greater understanding across a wide spectrum of viewpoints.

One Among Many

Retail investors often associate faith-based investing with just one thing: screening for values alignment. But professionals who follow this topic likely realize faith-based investing is a broader concept than just screening. Faith-based investing has inspired many strategies in the public markets such as applying biblical wisdom to evaluating risk, engaging in corporate advocacy, integrating aspects of impact investing, applying positive moral screening, and applying negative moral screening.

Although faith-based investing entails other strategies, this article focuses on screening as it was first historically and remains well known today. Three perspectives on screening have emerged in the faith-driven investing conversation. Each view seeks to grapple with Scripture and can be heard as part of the larger conversation within this movement.

1. The Moral Obligation View

The first view sees screening as a moral obligation given by God in Scripture. It is often associated with the term Biblically Responsible Investing (BRI) which emphasizes the idea that God holds investors morally responsible for the companies represented in their portfolio. Failure to invest in a morally screened way feels, to them, like sinning against God, violating his will, and aiding and abetting acts of harm against humanity. Those who take this viewpoint usually emphasize the concepts of ownership, source of profits, and association with evil.

A. Ownership – The concept of ownership starts with the textbook definition of “common stock” as the right to a basic ownership claim in a corporation. Stock ownership is equated with company ownership in this view, and company ownership is equated with being morally responsible for what the company does. The application of this idea takes many forms, but it is often expressed in a question like, “Do you know what you own?”

B. Source of Profits – A second point addresses whether it is right to receive profit from evil deeds. This argument builds on verses that deal with money gained by ill-means, such as Prov 10:2 (“Treasures gained by wickedness…”), Prov 15:27 (“…greedy for unjust gain…”), Deut 23:18 (fees for prostitution not received in the temple), and Matt 27:6-7 (temple leaders refuse to take back Judas’ “blood money”). This view emphasizes that God cares how people make their money. Therefore, God must also care what companies we invest in since those companies send profit to their investors. Which leads to a question like, “Would you want to profit from someone having an abortion?”

C. Association with Evil – A third emphasis of this view is the desire not to be associated with evil, namely the evils committed by publicly listed companies. Authors from this viewpoint often say they are seeking to invest in a way that allows them to have a clean conscience or profits that are pure. Because they see investing as a significant moral relationship between investors and companies, they are bound by conscience to determine which moral issues to screen out and to screen them to the best of their ability.

Because this view sees screening as a matter of obedience to God, those who hold it often demonstrate a high level of persistence and sincerity in promoting a screened approach to other Christians. However, in the broad scope of all Christian investors, this view represents an articulate but growing minority.

2. The Strategic Opportunity View

The second view sees screening is a strategic opportunity to make an impact for good in a fallen world. It tends to be associated with terms like faith-based investing, stewardship and impact, or values-based investing. Those who hold it see screening as one way to reflect Christian faith and values, to make a difference in the world, and to express better stewardship as investors. Failing to use a moral screen, for them, feels like a missed opportunity rather than a sin. This view emphasizes concepts like creating value, the complexity of public markets, and the pervasive influence of sin and grace.

A. Creating Value – The concept of creating value goes back to the biblical story of creation where God entrusts a fruitful world to the care of his image bearers. People were given the task of cultivating creation, thus adding value by applying their creativity and skill to the world. It also builds on the great command of Jesus to love our neighbor as ourselves. This view seeks to invest in morally uplifting ways, not because the investor-company relationship is morally significant, but because the investor-neighbor relationship is morally significant. It asks the question, “How can my investing bless the world?”

B. Complexity of the Public Markets – This view sees screening as a strategy, rather than obligation, because of the complex and indirect relationship that exists between investors and companies. The complicated nature of the public markets is well recognized, and rarely understood. Depending on the type of security purchased, many layers of advisors, managers, analysts, bankers, directors, regulators, advocacy groups, financial markets, and governments contribute to its overall social context. In other words, retail investors and public companies don’t sit at a table and decide which goods and services to offer. Many factors outside their control play into those decisions. Given the limitations of knowledge, lack of investor control, and structural distance between them, this view does not to see the investor-company relationship as a significant basis from which to argue for moral responsibility.

C. Pervasive Influence of Sin and Grace – A third emphasis in this view is the comprehensive influence of sin on all human endeavor (Gen 3:17-19). Since the whole world is corrupted by sin (Rom 8:20-23), this view concludes that every company is imperfect, and every investment supports to the employment of sinners. But God’s grace is also pervasively at work so even the worst companies are not as wicked as possible. This leads them to trust that God’s grace is at work through normative investments as well as those that are morally screened. It can lead to screening methods that do not aim for “zero-tolerance” results. It also motivates them to seek other strategies like corporate engagement to compensate for the inevitable expressions of sin in the corporate world.

Since this view takes a moderate position on screening, it tends to be slightly less visible or vocal in the faith-driven investor community. This view is also often held by Christian professionals who work in an investment management context where zero-tolerance approaches are not viable.

3. The Unnecessary Distraction View

A third view sees screening as an unnecessary distraction from the central purpose of investing. It often avoids the term BRI and prefers faith-driven or principles-based instead. This view does not see screening as a moral responsibility, but as a matter of Christian liberty or conscience. They may express their values by engaging in corporate advocacy, but more often focus on how faith impacts the Christian’s overall financial experience (i.e. generosity, integrity, contentment, excellence, etc.). They see the investor-company relationship as insignificant and instead emphasize engagement in the world, the goodness of profitable investing, and character development.

A. Engagement in the World – The idea of engagement in the world goes back to Genesis and God’s call for people to be active managers of his creation. Both Christians and non-Christians are invited to collaborate (as far as possible) in cultivating the earth and developing society. In this view, one of the greatest examples of engaging in relationship with non-Christians is the earthly ministry of Jesus. Since Christ was a friend of sinners and received gifts of monetary value from sinners (Matt 9:10-12), they do not see entanglement with sinners in the markets to be wrong. Instead, it is part of their calling to be a godly presence in the world.

B. Goodness of Profitable Investing – Their second argument is that the purpose of investing is to seek a profit, and that seeking a profit is a morally appropriate goal. The roots of this idea go back to God’s design for human productivity in Genesis. Investing to make a profit is rooted in God’s design and reinforced by Jesus who used profitable investing to depict a “good and faithful servant” (Matt 25:14-29). The productive use of capital (such as, providing liquidity in the markets) is a moral good sufficient to justify investing without the additional layer of moral screening.

C. Character Development – This view also emphasizes the moral and spiritual concerns investors face on a personal level rather than a corporate one. Those who see screening as unnecessary tend to also see it as a distraction from important projects like developing a heart for contentment, generosity, and trust in God’s provision. Since this view rejects the claim that screening is obligated by God, they also tend to see those who promote screening as being legalistic or imposing their conscience on others. 

In the broad scope of investing, this view speaks to the majority perspective of Christian investors. But, as their faith-based approach does not involve screening, they often tend to be overlooked in the faith-driven investor community.

Conclusion

This article briefly introduced three views on screening but did not offer critical assessment of each view. Instead we have sought to lay the groundwork for future discussions by identifying several viewpoints held by believers on this matter. Evaluating the pros and cons of each view is an ongoing, collaborative project for the faith-driven investor community.

Since biblical truth can be seen in each view, we can welcome each of them as they wrestle with matters of truth, faith, and doing God’s will in the markets. Given this diversity within the faith, no single viewpoint can fully define what it means to be a faith-driven investor. Perhaps the best strategy in light of this is to honor the faith of those who differ from us and commit to a love that is patient, kind, and “does not insist on its own way” (I Cor 13:5).

—

Required Disclosure:

The opinions voiced in this material are for general information only and not intended to provide specific advice or recommendations for any individual. No investment strategy assures financial success or protects against loss. Past performance is no guarantee of future results. Investing in mutual funds involves risk, including possible loss of principal. 

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. WaterRock Financial, LLC is a separate entity from LPL Financial.
—

Luke Bolton earned a BA in Theology at Northland International University and an MA in Biblical Studies at Central Baptist Theological Seminary. He brings seven years of experience in the financial services industry and serves as Director of Operations at WaterRock Financial. He and his family are members at Bethlehem Baptist Church in Minneapolis.