Practice with Identifying Verb Tenses

FINCA International

reprinted without permission from promotional materials for FINCA International
activity created by Daryl L. Beres

Read the article. Think about the highlighted verbs. What tense are they? Choose the correct tenses from the drop-down lists, and then press "Check."

Forgotten by her government and untouched by the world’s economy, Dona Rosita has spent her life in severe poverty. Like millions of mothers in developing countries, she has never had a chance to improve the quality of her life. Now her children face the same grim prospects:

But Dona Rosita is a survivor. In her determination to ensure her family’s survival, she is already running a small business, which allows her to feed and clothe her family on a cash budget of $3 per week.

Gaining access to small amounts of working capital—as little as $50-$500—will allow Dona Rosita to generate the extra income needed to ensure the survival of her children. With a $50 loan, she can finance a variety of small-scale, income-generating investments. She might:

She can double her investment in four months and will begin to generate the savings she needs to lift her family out of poverty.

Sadly, most poor mothers don’t qualify for a loan from a commercial bank, especially not for such a minuscule amount. Instead, they must borrow from traditional moneylenders, whose exorbitant interest rates devour most of the profits.

Dona Rosita’s neighbors are ready to move ahead too! To obtain working capital, they are willing to take on the responsibilities of budgeting, saving, and repaying their loans. In short, they are anxious to become better businesswomen in order to better feed, clothe, and ensure the health of their families.

FINCA has developed a banking methodology capable of stopping severe poverty in its tracks called “village banking.” Collectively our thousands of village banking groups on three continents are developing into a “World Bank for the Poor.”

Based on the principles of self-help and free enterprise, village banking offers the poor not charity, nor handouts, but loans—with no collateral required, a reasonable rate of interest, and a safe and profitable place to accumulate savings. Village bank members are fully responsible for their own success. They choose their investments, disburse and collect all loans, manage their savings, elect their officers, write their by-laws, and keep their books . Village banks provide first-time borrowers with a $50 loan. For each subsequent loan, the borrower’s credit line will be increased by an amount equal to her accumulated savings.

At FINCA, we’re working every day to help alleviate poverty one loan at a time, one woman at a time, one family at a time. Won’t you join us in helping our borrowers work their way out of poverty and open the door to a new—and more promising—life for their children?