Ecclesia Bank Limited will be a 'reserve bank' for the Kingdom of God - through which God's work will be financed in this end-time revival - in preparation for the coming of the LORD JESUS CHRIST.

" 'The silver is Mine, and the gold is Mine,' says the Lord of hosts." 

(Haggai 2:8)

MMI's Church Finance Trust and the Charity Finance Trust will eventually be consolidated to form the Ecclesia Bank; a fully-fledged institutional banking establishment under the regulations of the Central Bank of Kenya and the United States Federal Reserve System, which will be tailored on kingdom principles to provide complex financing and advisory functions to church organizations, and also a donor platform to charity entities in developing nations.

With the structure already in place, the bank will function with the same framework as the World Bank, with bonds in the global capital market, and lending to corporate bodies and governments. It will also form the central financial management system of the Michael Moyo International and its subsidiaries, and will be key in facilitating asset financing and capital management for the MMI's Investments Division. 

"I will shake heaven and earth, the sea and dry land; and I will shake all nations, and they shall come to the Desire of All Nations, and I will fill this temple with glory. The silver is Mine, and the gold is Mine. The glory of this latter temple shall be greater than the former," says the Lord of hosts.
(Haggai 2:6-9)

This will be a 'reserve bank' for the Kingdom of God - through which God's work will be financed in this end-time revival - in preparation for the coming of the LORD JESUS CHRIST. A great awakening is coming upon the earth, which will precipitate an unprecedented wave of revival - resulting in multitudes turning to the LORD JESUS CHRIST before His imminent return. This latter revival requires immense financing, and is the key purpose for which the Ecclesia Bank is instituted.

"I will give you the treasures of darkness and the hidden riches of secret places, that you may know that I, the LORD, Who call you by your name, Am the God of Israel."

(Isaiah 45:3)

Ecclesia Bank is structured to offer a wide variety of services to meet the needs of all churches under the International Church Organization, from the start-up phase to well-established ministries. The financial solutions cover a wide range of financial areas and are catered to meet the specific requirements of the client, and to help churches achieve financial self-sufficiency.

In addition, Ecclesia Bank will offer tailored financial solutions for church leaders and church members to create financial unity for the Body of Christ as a whole.

Under Ecclesia Bank, the following financial solutions will be offered to the Church:

• Church Financing – Secure financing for church/property acquisitions, existing land contract refinance, existing loan refinance, new constructions financing and equipment financing.

• Capital Campaign (Implementation) – Analyze the financial vision for the church and strategically develop a capital campaign program to bring the dream to fruition.

• Financial Policies and Procedures – Develop and/or analyze existing policies and procedures to ensure finances are handled in accordance with industry standards.

• Start-up Church Financial System Structuring – Plan, design and implement a financial system to meet the present and future demands of the church.

• Cash Flow Management – Create a plan to manage and allocate cash flow to create a stable financial atmosphere.

• Financial Accountability – Analyze every aspect of the church finances to ensure accountability on every level and in every department.

• Financial Stress Testing – Strenuously analyze every factor contributing to the financial success of the church and determine how a shift in any variable can impact the church.

"Behold, to the LORD your God belongs heaven and the highest heavens, the earth and all that is in it." 

(Deuteronomy 10:14)

“Go into all the world and preach the gospel to every creature. He who believes and is baptized will be saved; but he who does not believe will be condemned."

(Mark 16:15-16)

Ecclesia Bank will have special financing for independent church or kingdom-based initiatives. These involve the following:

• Financing Private Missionary Work: This is financing for individuals or groups undertaking missionary work in their own capacity as Believers. They may or may not be affiliated to any church, but have the burden of fostering the great commission by spreading the gospel of our Lord Jesus Christ.  

• Financing Kingdom Enterprises: Special financing products to believers within various churches to assist them in initiating and managing entrepreneurship ventures. This aims to financially empower believers and to improve their livelihoods. 

• Financing Gospel Music Production: This applies to gospel singers who are truly worshipping God in Spirit and in truth.

• Financing the Production of Christian Literature: This includes the production of bibles and good Christian literature on a large scale for free distribution. 

• Financing Ministry Education: Offering grants and/or financing to students in accredited ministry schools. 

“Blessed is he who considers the poor; the LORD will deliver him in time of trouble. The LORD will preserve him and keep him alive, and he will be blessed on the earth.”
(Psalm 41:1-2)

Ecclesia Bank is structured to offer banking services to charity entities under the Global Charity Network (an umbrella body for numerous charity organizations). These include:

Banking through Charity Reserve Account:  This is a current account for charitable and not-for-profit organisations, that aims to assist charity organisations in making the most of their funds. 

Savings for Charities: The savings accounts under Ecclesia Bank will be a great way to get charity funds to generate income when not in need of immediate spending. As well as providing own products, the bank will work with other trusted expert providers to bring a wider range of savings accounts, designed especially for charities.

Charity Investments: Ecclesia Bank will offer guidance or recommendations to help charity organizations to plan and manage charity investment portfolios. This includes investing in charity-specific funds, investing in a huge range of other funds, and investing directly in stocks and bonds.

Fundraising Assistance: Ecclesia Bank will assist charity organizations in setting up online donation pages, manage direct debits, process donations, and run reports on donations all in one place.

Offering Grants and Grantmaking: Ecclesia Bank is structured to assist donors in designing their own grant programs or delivering it for them. The bank aims to help create successful grant programmes, help donors navigate the challenges of making grants and for them to focus their grantmaking to get the right applicants.

Strategic Consultancy: Ecclesia Bank will help charities become financially sustainable and resilient so that they can perform at their best and make a bigger impact, at all stages of development. Ecclesia Bank will help charities transform ideas into strategies that will produce results over the long-term, and help to identify options, deliver the agreed course of action and articulate the impact.

 "You shall lend to many nations, but you shall not borrow; you shall reign over many nations, but they shall not reign over you."

(Deuteronomy 15:6)

A government bond or sovereign bond is a bond issued by a national government, generally with a promise to pay periodic interest payments called coupon payments and to repay the face value on the maturity date. The aim of a government bond is to support government spending. Government bonds are usually denominated in the country's own currency.

Ecclesia Bank is structured as a lending institution to governments through treasury bonds, mainly the US Government Treasury and the Kenya Government Treasury. 

For more details, visit Investments Division.

Some global bonds are denominated in the currency of the company's country base; others are denominated in the currency of the country where the bond is issued. Due to the fluctuation of exchange rates, investors typically invest in foreign fixed income that brings in modest returns and fluctuates slightly. Global bonds are seen as a way to diversify a portfolio that is limited to a specific denomination or one particular country's bond, such as a U.S. bond, for example, because this bond will have less correlation to the foreign fixed income bond.

Ecclesia Bank is designed to be a key player in the global bonds market, which will constitute a large portion of its income. 

A global bond is a bond that is issued in several countries at the same time. It is typically issued by large multinational corporations or sovereign entities with high credit ratings. By offering the bond to a large number of investors, a global issuance can reduce borrowing costs.

By issuing global bonds, an issuing entity is able to attract funds from a vast set of investors and reduce its cost of borrowing.

Global bonds are issued in different currencies and distributed in the currency of the country where it is issued. These bonds may have a fixed or floating rate with maturities ranging from one to 30 years.

Some global bonds are denominated in the currency of the company's country base; others are denominated in the currency of the country where the bond is issued. Due to the fluctuation of exchange rates, investors typically invest in foreign fixed income that brings in modest returns and fluctuates slightly. Global bonds are seen as a way to diversify a portfolio that is limited to a specific denomination or one particular country's bond, such as a U.S. bond, for example, because this bond will have less correlation to the foreign fixed income bond.

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