YGro-HEED, PEER Servants’ Sri Lanka microfinance partner, passed the 14,000 micro-loans mark in August. That’s over $4.2 million invested in the families and communities of the materially poor, enabling them to survive tsunamis, civil wars, and a post-conflict environment. HEED offers one of the lowest loan interest rates in the country and yet covers most if not all of their operating expenses through the interest and fees collected on their micro-loans. Their loan repayment rate is consistently at or near 100%. They offer micro-loans through five branches primarily in the eastern and northern parts of Sri Lanka.