Building the next generation

Habitat for Humanity International Annual Report FY2009

July 1, 2008 – June 30, 2009

A child of a Habitat homeowner
sits in the Catalyst School near
Rainbow Village in Rach Gia,
Vietnam. The new village moves
69 families from a dump site to
their own safe, clean homes near
a primary school.
‘Love bears all things, believes all things, hopes all things, endures all things.’
Mikel Flamm
Table of contents
CEO letter: The power of hope. . . . . . . . . . . . . . . . . 1
By Jonathan T.M. Reckford
Introduction: The next generation. . . . . . . . . . . . . . . 3
Chapter 1: Hope grows . . . . . . . . . . . . . . . . . . . . . 5
Chapter 2: Hope in children . . . . . . . . . . . . . . . . . . 13
Chapter 3: Hope in community. . . . . . . . . . . . . . . . 17
Chapter 4: Hope on the move. . . . . . . . . . . . . . . . . 21
Chapter 5: Giving hope . . . . . . . . . . . . . . . . . . . . . 25
Chair letter: Invest in hope. . . . . . . . . . . . . . . . . 26
By J. Ronald Terwilliger
Major donors: Milestones in giving. . . . . . . . . . . . 28
Financial information . . . . . . . . . . . . . . . . . . . . 31
Leadership
For the founder. . . . . . . . . . . . . . . . . . . . . . . 36
Board of directors. . . . . . . . . . . . . . . . . . . . . . 37
Senior leadership team . . . . . . . . . . . . . . . . . . . 38
Habitat offices . . . . . . . . . . . . . . . . . . . . . . . . 39
Habitat for Humanity works in partnership with God and
people everywhere, from all walks of life, to develop com-
munities with people in need by building and renovating
houses so that there are decent houses in decent communities
in which every person can experience God’s love and can live
and grow into all that God intends.
— I Corinthians 13:7
 1

From the CEO: The power of hope

We are privileged to witness the These efforts allowed us to partner

Habitat for humanity el salvador

world over, time and again, the with a record of more than 61,000
power of hope. At the dedication families globally, in spite of a difficult
ceremonies of Habitat for Humanity fundraising environment.
homes, volunteers often cry tears of And so, we are looking ahead.
joy. CEOs hug employees they may We’ve cut expenses and reduced staff
otherwise have never met. Neighbors to maximize the impact of every dollar.
turn out to welcome new friends, and We intend to come out of this financial
homeowners flash brilliant smiles. crisis a stronger organization. We will
Families who receive the keys to their do that by staying true to our roots—
new homes take ownership of the by continuing to demonstrate God’s
future, as their mortgage payments go love to a world that needs it more than
to help others realize their dream of ever. We continue to help families find
owning a home of their own. communities by buying and rehabbing vacant hope. We must tend the soil—taking care of
The struggling economy during the past houses that could then be sold to low-income the work of today while staying focused on
year has been a challenge, but the thought of the families at prices they could afford. tomorrow—to create a world where everyone
families we serve struggling even more motivat- Internationally, we continue partnering has a decent place to live.
ed us to think creatively. We couldn’t lose hope. with other organizations, not only to build
In the United States, the economy and houses, but to ensure holistic community
the housing crisis caused many affiliates to development and truly transform lives. We
innovate. Rather than building predominantly have sought alternative forms of financing
new houses, Habitat responded to the glut to reach even poorer families with home- Jonathan T.M. Reckford
of foreclosed and empty homes in many improvement loans and technical assistance.

ezra millstein
2

In La Pintada, western Honduras,

a young Chorti boy plays with his
hat inside his family’s dilapidated
house. Habitat is partnering with
indigenous Chorti families to
improve their homes; replacing
thatched roofs with metal sheet-
ing, renovating and plastering
crumbling walls, and installing
concrete floors. The mud walls of
traditional Chorti houses attract
chinche picuda bugs, which cause
Chagas’ disease. With the financial
support of Gaston County Habitat
in North Carolina, 847 people now
have safer housing.

ezra millstein

Introduction:
The next generation
The children of Habitat for Humanity home-
owners are sometimes shy at first. With
serious faces, they shadow their parents as
they make the tentative steps toward owning
a home. Then children’s confidence grows,
and laughter soon follows.
Habitat works in nearly 90 countries.
Most Habitat houses are built in partner-
ship with parents who want to give their
children a better life. Owning a home has
the potential to break the cycle of poverty
for low-income families, especially for
the next generation. Low-income families
that become homeowners often improve
their financial situations and become more
self-sufficient. The whole family’s mental and
physical health improves. Parents become
more active in their communities. With a
greater sense of stability, children often make
better grades and stay in school longer.
Studies confirm these gains for families,
but, beyond the social science, there are thou-
3
sands of success stories. Children of Habitat
homeowners grow up. Many attend college—
often the first in a family to do so. Some excel
in the arts, attend medical school or play for
the National Football League. Some become
leaders and get elected to public office. Most
lead better lives and have their own children
who are more likely to own their own homes,
get better jobs and further their education. A
new cycle begins. It all starts at home.
In difficult economic times, increasing
the pace of our work—and planning and
building for the future—is something to fix
our hope on at Habitat. Most of us, despite
our differences in language, culture and ge-
ography, can find hope in a child’s face, even
in hard times. And so, we share the faces of
hope of Habitat children in this report, and
focus on the next generation of programs
and ideas to reach more of the 1.6 billion
people in need of decent housing.
ezra millstein
4

ezra millstein

Highlights to celebrate from FY2009
July 1, 2008 – June 30, 2009
ezra millstein
5
1
In May 2009, the first Habitat Resource
Center in Central Asia opened in Asht,
Tajikistan. It offers vocational education on
construction skills and housing services for
low-income Tajik families. The center idea
spread from Habitat’s success using it after
the 2004 tsunami in the Indian Ocean.
Chapter 1
6
4 11
Habitat for Humanity International earned a
four-star rating for sound fiscal management
from Charity Navigator, an independent
charity evaluator, indicating that Habitat
consistently executes its mission in a
fiscally responsible way.
10
In 2009, Habitat celebrated the 10th
anniversary of its work in Kyrgyzstan. A year
after Habitat started work, it broke ground
for the first 10 houses on the outskirts of
Bishkek, the Kyrgyz capital. Ten years later,
Habitat has served 1,735 families and
works in three regions of the country.
Habitat for Humanity was ranked as the
11th largest homebuilder in the United
States by Builder Magazine in
its 2008 “Builder 100” list.
20
The 20th anniversary of Collegiate Challenge
was celebrated in March 2009. Students
ages 16 to 25 volunteer during breaks with
more than 200 U.S. affiliates to work with
homeowners like Enjonie Ingram, right, in
Homestead, Florida. Since 1989, more than
168,700 young people have participated.
Steffan Hacker

25
In 2008, Habitat for Humanity Asia/
Pacific marked 25 years of building with
celebrations in Khammam and Chenai,
India. An estimated 360,000 people have
been served in the region since 1983.
99.65
99.65 percent was the repayment rate for
mortgage loans by Habitat for Humanity
Egypt families at the end of FY2009.
country with a campaign, “Casa 1000, ¡Manos a
150
la Obra!” (“House 1,000… Let’s get to work!”).
After Hurricane Felix, Habitat built 150 disaster-
recovery houses in Auhya Pihni, Nicaragua,
with the Miskito indigenous community.
7
100
$100 million is the remarkable legacy gift
pledged by Ron Terwilliger to further the
work of Habitat for Humanity worldwide.
The chair of the Habitat for Humanity
International board of directors explains his
steffan hacker
life-changing commitment to families and
housing in a letter on page 26.
1,000 1,500
Habitat for Humanity Paraguay organized Women Build crews have built 1,500 houses
a blitz build with more than 250 local and since the program began in 1998. The mile-
international volunteers to celebrate its first stone house was reached by Henderson
1,000 houses built and then inspired the County Habitat in North Carolina in May
2009. An average of 200 Women Builds are
now completed annually, with builds taking
place in the United States and internationally.
8

2,835
Each house built for the 26th Jimmy &
Rosalynn Carter Work Project in Chiang Mai,
Thailand, requires 2,835 blocks. Test builds
for the November 2009 project were under
way during FY2009. Also included in the
project are sites in Cambodia, Laos, Vietnam,
and Sichuan province, China.

6,000 7,000 10,000

Since 2002, Habitat for Humanity Chile
has made nearly 6,000 housing solutions
possible—more than 1,000 in FY2009 alone.
Habitat for Humanity El Salvador has built
7,000 houses since 1992. The national pro-
gram served a record number of families this
year, with 1,139 housing solutions provided.
The milestone of 10,000 families served in
Sri Lanka was celebrated Feb. 6, 2009, in the
capital, Colombo. Habitat for Humanity Sri
Lanka started work here 14 years ago. The
milestone house belongs to the family of
carpenter Arthur Fernando from Modera
village, Egoda Uyana city, in Moratuwa. The
family of five lived in temporary shelter for
more than three years after the Asian
tsunami of December 2004.

Mikel flamm

20,000
In April 2009, Habitat Guatemala made
a tithe commitment of US$20,000 to
Tajikistan, a focus country for launching
innovative projects and partnerships. This
is the first time a program outside of the
United States, Canada or Europe has
tithed to Tajikistan.
25,000
More than 25,000 Habitat advocates
contacted their U.S. congressional
representatives to support the Serve America
Act, which added to the AmeriCorps
members serving communities through
Habitat affiliates. Advocates were reached
and organized through a multiyear advocacy
campaign called “Build Louder.”
9
30,000 57,892
Habitat for Humanity Guatemala celebrated Through its disaster response work, Habitat
the construction of its 30,000th home on has served 57,892 families. In FY2009,
May 15, 2009. A 10-home build took place recovery projects were under way in Myanmar,
in the city of Quetzaltenango, also known Nicaragua, China, India and Indonesia.
as Xela. The event also celebrated the 30th
anniversary of the national organization,
which began in 1979.
50,000
Habitat for Humanity Lesotho reached an
estimated 50,000 people through an advoca-
cy campaign highlighting secure tenure and
61,000
More than 61,000 families were served by
inheritance rights. The campaign trained 40
paralegals in Maseru and Quthing districts, Habitat worldwide in FY2009, a record
held 691 public meetings, and conducted 287 number served in a single year.
school visits and 1,531 family or individual
visits through the network of paralegals.
10

300,000
On Nov. 13 and 14, 2008, volunteers raised
the walls on Habitat for Humanity’s 300,000th
house, in Naples, Florida, and the 300,001st
house, in Zacapa, Guatemala. The 200,000th
house was dedicated only three years earlier;
the 100,000th house in 2000.

Sam Durso, president and CEO of Habitat for

Humanity of Collier County in Naples, Florida. The
300,000th house was built in memory of his late
wife, Mary Ann, who served as the executive direc-
tor of the affiliate for 15 years. “Building this house
on Mary Ann’s legacy of passionate advocacy for the
working poor provides tremendous momentum for
all those involved in Habitat,” Durso said.

ezra millstein
 11

350,000
More than 350,000 families and 1.75 million
people have been served by Habitat for Humanity
worldwide, from Habitat’s founding in 1976
though the end of FY2009.

Guillermo Martinez and his niece, Anna, sit in their fami-

ly’s house in La Pintada, Honduras, which was renovated
in partnership with Habitat for Humanity Honduras.

ezra millstein
12

Habitat for Humanity International:

Families served in FY2009
Total
Area New Rehabs Repairs families served
Africa/Middle East 3,415 3,988 2,063 9,466
Asia/Pacific 9,746 6,015 11,874 27,635
Europe/Central Asia 169 538 3,479 4,186
Latin America/Caribbean* 5,743 4,454 3,453 13,650
USA and Canada 4,584 710 774 6,068
Total** 23,657 15,705 21,643 61,005

Additional families served:

*An additional 1,259 families were served in Latin America/Caribbean
through help in securing tenure for housing or land.
**An estimated 165 new houses also were under construction in FY2009 by
Habitat for Humanity Canada, which uses the calendar year as its fiscal year.
These families served are not included in totals above.

Strategic plan goal:

Five-year-old Arman Sarkisyan is

100,000
families served annually by 2013.
the nephew of Habitat home-
owner Vachik Sarkisyan in Nor
Armavir, Armenia.

ezra millstein
 13

Habitat for Humanity’s mission captures

the imagination, energy and hope of young
people worldwide. Children are both the
focus of programs and the key to the solution
to poverty housing. Youth serve as important
fundraisers, supporters partners and, if old
enough for the build site, builders. A few
samples of Habitat’s work with children and
children’s work for Habitat follow.

Chapter 2
steffan hacker
14
Africa: Overwhelming need requires partnerships, flexibility
Habitat has been at work for years in
countries where the HIV/AIDS pandemic
has left millions of orphans. In Lesotho, Mo-
zambique, South Africa, Uganda, Botswana,
Malawi and Zambia, Habitat works alongside
local communities, and complementary
organizations and institutions, to provide
secure shelter for orphans and vulnerable
children with community-centered preven-
tion, care and support.
In 2009, Habitat for Humanity Côte
d`Ivoire joined the work, uniting with other
partners to provide medical, psychological
and social support and help generating in-
come for child-headed families. In the next
four years, Habitat programs hope to reach
thousands more children.
Targeting the neediest families in the com-
munities, Habitat has found that the extended
family networks and institutions that have
taken in orphans and vulnerable children are
at a saturation point. Many orphans are part of
child-headed households, often with no place
to live, and end up as street children.
And so, innovation and flexibility are
necessary ingredients to helping.
Kimberly Pal Keeton, manager of resource
development and communications at Habitat
for Humanity Lesotho, used a story of six or-
phaned brothers to describe the most recent
approach in her country, where 25 percent of
children—one in four—are AIDS orphans.
“Given the number of orphans in
this country,” Keeton said, “we needed to
change our methods.” Previously, Habitat for
Humanity Lesotho worked to build foster
homes. Now the program focuses on helping
extended families take in children in need.
“We had found that extended families
weren’t unwilling to take in orphans,” Keeton
said. “They just didn’t have the means.”
The new model means that children who
have already gone through the pain of losing
Habitat for Humanity Lesotho
one or both parents don’t have to be further
traumatized by moving to a new community
and fitting in with a house full of strangers.
The result is happier, healthier families—not
just children—and stronger communities.
The six Rothe brothers, Keeton said,
Reekelitsoe Rothe with two of his older brothers. The brothers are building a better life for themselves with
moved into a new home built with the help the help of Habitat for Humanity Lesotho.
of a Global Village volunteer team early
in 2009. The youngest brother, 12-year-
old Reekelitsoe, has already improved his
schoolwork, his proud older siblings say.

In Chile: ‘Bring Our Children Home’
Gladys Robledo, 14, has a nurturing instinct
Phillip Jordan
that is on full display when she looks after
her precocious 5-year-old neighbor, Alison.
The teenager, who is HIV-positive, lives
with her mother, Isabel, 49, and her brother,
Jonathan, 19, in San Bernardo, Chile, a
community just south of Santiago. Gladys’
father and a sister died of AIDS, and her
mother also has HIV. The remaining family
members share one bedroom in their narrow
two-story house. Gladys’ weakened immune
system requires that she have separate, more
hygienic living quarters.
In Chile, many low-income families
receive medical aid from the government,
which helps provide vital treatment for
children with critical and chronic illnesses.
Those same families, however, frequently
lack the resources to improve their living
situation. This leads doctors to recommend
that some terminally ill children remain in
hospitals or other medical facilities—rather
than return to overcrowded, poorly insulated
Vuelvan a Casa” (“Bring Our
Children Home”), provides
basic, immediate home
improvements. Through
simple home additions
or renovations to existing
rooms, Habitat Chile creates
a healthier, more comfortable
home environment. In many
cases, this basic change to their
housing situation can make the
difference between whether a
child lives in the hospital or at
home with loved ones.
Fourteen-year-old Gladys Robledo, left, often looks after her neighbor,
Alison, 5. Gladys, who is HIV-positive, watched as Habitat added a
“We have to shift our focus
new room to her family’s house so that Gladys can live at home, to more than just medicine,”
rather than in a hospital.
says Ana Chavez, director of
or badly constructed homes. pediatrics. “[A sick child] has a lot of needs. But
Enter Habitat for Humanity Chile. In if they don’t have a safe and adequate environ-
partnership with Dr. Exequiel Gonzáles Cortez ment to go home to, then what we are doing
Pediatric Hospital in Santiago, Habitat Chile is here at the hospital doesn’t make any sense.”
creating a way to safely reunite children with Habitat Chile hopes to serve at least 200
their families. The project, “Nuestros Hijos families through this project by May 2011.
15
Each home improvement takes an average
of five to nine days to complete. Partner
families provide sweat-equity hours working
on their own homes, and also contribute
a one-time payment toward the home
improvement. Local volunteers, Global Vil-
lage teams (volunteers on short-term build
trips from other countries) and qualified
construction workers share the work.
Construction depends on the
conditions of the existing house and the
medical needs of the child: handicapped-
accessible modifications for a child with
cerebral paralysis; home weatherization
improvements for a child living with severe
asthma; the addition of a new bedroom
for an HIV-positive child living with a
weakened immune system, such as Gladys.
Page 13: Flowers grow in front of Loraen and Loli
Vilches’ Habitat house in Porongo, Bolivia. The
couple had been raising their three sons there since
2005. Before the house, the family lived in one room
of a family member’s house.
16
Helping children in Bulgaria
Thanks to a partnership in Eastern Europe,
Habitat for Humanity Bulgaria is launching
an initiative to adapt living environments to
meet the needs of children with disabilities.
Apartments will be reconstructed to meet
special needs: wider doors, extra space, rails
in hallways and bathrooms, sockets and
switches at accessible heights. The project
will help 20 Bulgarian families.
Habitat Bulgaria and the Center for Hope
Awareness in Hong Kong
In Hong Kong, youth are getting involved.
Students from Habitat’s campus chapter of
the Hong Kong International School build
shelters out of cardboard boxes and rubbish
bags on a school field and sleep in them over-
night to raise money and awareness about
Habitat for Humanity. It’s a way to advocate
for Habitat, have fun and try to make a point.
foundation are partnering on the project.
Habitat for Humanity International’s Women
Build program is providing financial support
as part of its effort to support projects affect-
ing women and children around the world.
For the renovations in Bulgaria, each
family repays a loan in three to five years,
and the families are actively involved in the
building process. Work began in September
2009 and should conclude by spring 2010.
“People are living under conditions that are
so many times worse than our simulated ones
all year round. We do it for one night,” high
school senior Andrew Mehrmann explained.
“The sleepout experience gives you an
urge to get people off of the streets, out of card-
board structures, and into proper homes. This
is what Habitat for Humanity is really about.”
Students at work
Campus chapters are student-led, student-
initiated organizations on high school or
college campuses that partner with local
Habitat affiliates to advocate, educate, build
and fundraise. In FY2009, more than 480
U.S. campus chapters involved more than
37,000 members. U.S. campus chapters
donated more than $1.6 million to local af-
filiates and contributed $65,000 to Habitat’s
global work through tithe donations.
The University of California-Berkeley’s
Habitat’ Campus Chapter was selected as
campus chapter of the year and awarded
$5,000 from State Farm Insurance, the na-
tional corporate sponsor of Habitat’s youth
programs in the United States.
Eighteen-year-old Samantha Page is
the daughter of a Habitat homeowner in
Brunswick, Georgia, USA. Her family’s
Habitat house made such a difference in
her life that she organized a youth group
at her affiliate. Called Youth United, such
groups work to fund and build Habitat
homes. Page started the Glynn County,
Georgia, group in 2008, which has begun
plans for a home for the Mann family.
Collegiate Challenge offers groups of
students, ages 16 to 25, the opportunity to
visit and build with host affiliates through-
out the United States during their school
breaks. Students spend one week working in
partnership with the local affiliate, the local
community and partner families. Since the
program began in 1989, more than 168,700
young people have participated, contributing
more than $16.1 million to Habitat’s work.
During the 2008-09 Collegiate Challenge
season, the 20th anniversary of the program,
more than 14,200 students participated.
Habitat partners with schools beyond the
Campus Chapters program. Habitat offers
teachers lesson plans about poverty hous-
ing—and provides educational field trips to
the Global Village & Discovery Center in
Americus, Georgia, a six-acre demonstration
of poverty housing and models of 15 houses
Habitat builds in other countries.
Global Village trips, short build trips to
countries around the world, also sometimes
include a visit with local schoolchildren.
 17

Chapter 3
steffan hacker
18
Neighborhood Revitalization
The work of Habitat for Humanity is
always about community—from building
a new village with 30 homeless families
in Cambodia to a decade-long project to
bring back a working-class neighborhood
in Macon, Georgia.
Once Habitat homeowners are settled
into their houses, they tend to spread good
will throughout the community. A recent
study by the University of Southern Indiana
found that people who live next door to
Habitat homeowners say they are good
neighbors—often the best in the neighbor-
hood. Good neighbors build community.
The disastrous wave of unemployment and
housing foreclosures from the economic crisis
have devastated once-stable neighborhoods
of all income levels throughout the United
States, leaving even more communities at risk.
The shockwaves around the world have only
exacerbated an already epidemic need for
decent, affordable housing.
steffan hacker
This sobering reality in housing—and
the equally challenging fundraising cli-
mate—have spurred Habitat to put a new
emphasis on strengthening communities
through programs under the umbrella of
Habitat’s Neighborhood Revitalization
Initiative. The refocus on making Habitat
affiliates the catalyst for holistic, sustainable
community development began this year
and will continue into FY2010 and beyond.
The initiative grew in response not
only to the volume of hurting communi-
ties who asked their local Habitat affiliate to
step up to the increasing need, but also to
Habitat’s interest in innovating and seek-
ing new resources to serve more families in
need of housing. In 2008, house repairs and
rehabilitations made up only 10 percent of
the work being done by most U.S. affili-
ates. But the Neighborhood Stabilization
Program (NSP1/NSP2), created by the
U.S. government to stabilize communities

Initiative: Refocus in the United States
with vacant houses, made money available
for affiliates to rehab houses and serve
low-income families.
Through community partnerships aided
by private and public funding, Habitat will
keep working and serving, through rehabs,
repairs and new construction.
Amid all the numbers, individual stories
help show the human side of what revital-
ization means to a community. Georgia
Ann Sanders and her neighbors in Macon,
Georgia, are a prime example.
Sanders moved into her new Habitat
house on Valentine’s Day 2009. Since the
family moved into their own home, Sanders’
daughter Misty, 24, has started school to be-
come a medical associate, beginning to build
a better future for her daughter Tristan, 2.
Stories of transformation, small and
large, spread along these streets. Habitat
has plans to build or rehab more than 46
homes in the neighborhood; more than 16
are already under way.
Also in progress is a special cultural
enrichment program created for teenagers
by area museums and Southside Community
Church. Because the teenagers couldn’t afford
field trips, the museums now come to them.
The Southside Community Church has
become the focus of change, offering a place
for GED testing, neighborhood meetings and
storage for Habitat. Other community classes
are in the works, all within the neighborhood.
Police patrol the neighborhood more
carefully now, and their relationship with
the people who live there has improved. One
result: Crime is down.
Students from Mercer University in Macon
have become regular volunteers with Habitat.
These are just a few of the partners who
have joined with Macon Area Habitat for
Humanity to build a new spirit of community,
where blight once destroyed lives and futures.
19
A Brush with Kindness
Repairing a neighborhood
Another component of Habitat’s fresh focus
on neighborhood improvement is A Brush
with Kindness, a home-exterior preservation
program that provides painting, landscaping,
weather-stripping and minor repairs for
homeowners in need—often elderly or
disabled. The program helps low-income
homeowners who are struggling to maintain
their homes, improving the looks and attitude
of entire neighborhoods while offering
opportunities for many volunteers inspired
to make a difference.
Selah, 5, daughter of homeowner Monica Echevarria,
practices her singing and dancing in the front yard
of her family’s Habitat house in Phoenix, Arizona.
Monica and Selah, Alondra, 7, and Adrian, 11, have
lived in their house for more than five years.
steffan hacker
20

At right, Pilson Kipkirui, grandson

of Kipkorir Tesot, stands at the
front door of the family’s home
in Bomet, Kenya. Kipkorir Tesot,
a retired teacher and subsistence
farmer, built his family’s home,
this page, with a series a small
loans from Habitat for Humanity
Kenya’s microfinance program.
The loans allowed him to build in
stages with materials he saved for
more than 10 years.

steffan hacker
 21

Chapter 4
steffan hacker
22
Housing microfinance offers strategic promise
A mortgage payment to build or rehabilitate
a whole house is beyond the means of most
lower-income families in Latin America/Carib-
bean, Europe/Central Asia, Africa/Middle East
and Asia/Pacific. But the need for decent, af-
fordable housing only grows, especially in cities.
For example, Africa faces the world’s most
rapid urbanization and population growth.
More than 85 percent of Africa’s population
cannot get a mortgage or conventional
housing loan from a formal institution.
Borrowing from the measurable success
of microfinance to build income for the
poor, Habitat for Humanity has increasingly
implemented microfinance principles and
become partners with other organizations to
offer small loans for rehabs or repairs in the
past four years. These practices allow families
to make housing improvements in stages—
one small loan at a time.
Habitat’s acknowledged expertise in hous-
ing makes it an ideal partner for microfinance
institutions. With increasing experience in
housing microfinance, Habitat has become a
respected, global source of advice, appearing
ezra millstein
at regional and world forums to speak for this
still relatively new strategy.
In FY2009, Habitat programs in 10
countries in Africa and the Middle East were
implementing, designing or researching hous-
ing microfinance programs. Eight countries
in Europe and Central Asia have housing mi-
crofinance programs at work. India, Thailand
and Nepal have active programs, and several
programs are under way in Latin America.
Some examples:
• A new partnership with HOPE Ukraine
has been expanded from Uzhgorod to
other towns in the Transcarpathian region.
• In Tajikistan, low-income households can
borrow US$500 for incremental home im-
provements such as roofing, flooring and
insulation, or as little as US$50 to install
water filters and upgrade sanitation.
• In Slovakia, loans have been used for
energy-efficient renovations that proved
critical last winter in rural areas left
without heat amid the energy crisis when
Russia cut gas deliveries to Europe.
• Habitat for Humanity Lebanon, in
partnership with Al Maj Moua, a leading
microfinance institution, plans to serve 60
families a year. The average loan size will be
US$1,500; maximum duration is two years.
• Habitat for Humanity Uganda seeks to
support over 1,400 families through a
partnership and direct lending programs.
Through its partnership program, Habitat
Uganda provides institutional and techni-
cal assistance to families and verifies the
loan is used for house construction or
improvement. Ugafode, a microfinance
partner, manages the loan.
• With a grant from USAID, Habitat is work-
ing to develop a housing finance technical
center in Chennai, a city in southern India.
• In Latin America, Habitat is working in
partnership with the Inter-American De-
velopment Bank to design and implement
a comprehensive housing microfinance
program for the region. The partnership
is already under way in Peru, where new
housing microfinance products targeting
very low-income families are scheduled
to be launched in early 2010.
 23

A mother holds her infant son in

the doorway of their dilapidated
apartment on the outskirts of
Vientiane, Laos. Habitat began
work in Laos this year with a
housing microfinance partner.

ezra millstein
24

ezra millstein
 25

J. Ronald Terwilliger on investing in hope . . . . 26

Donors making a difference for families.. . . . . 28

Recognition of million-dollar donors. . . . . . . 30

Chapter 5
ezra millstein
26

From the chair: J. Ronald Terwilliger

Join us on the journey:

Giving time, energy and wealth to
Transformation happens on Habitat for as the CEO of Trammell Crow Residential,
Humanity build sites. It is God’s work. one of the largest apartment builders in the
I saw it firsthand on a build in Ameri- country, and as an advocate for affordable
cus, Georgia, many years ago, which housing. I became acutely aware of the
eventually led to my joining scope of need for affordable
the board of directors nearly It is unimaginable that housing through my pro
nine years ago and becom- anyone could believe that bono work as chairman of a
ing chair just two years ago.
children can be well-edu- neighborhood development
My own journey led me organization in Atlanta.
this year to make a legacy gift cated and healthy without In both my professional
of $100 million to Habitat for a roof over their heads. life and as an advocate for
Humanity International. I affordable housing, I have
have since been told it is the largest gift from an seen how important it is for a family to have
individual in the 33-year history of Habitat. My decent shelter in a place with jobs nearby
hope, though, is that my gift will inspire other where a sense of community flourishes.
donors to match or exceed it in the future. Perhaps because of my work for affordable
I also hope Habitat’s mission will inspire ev- housing, it is unimaginable that anyone could
eryone who reads this to do whatever they can. believe that children can be well-educated
I have been involved in the housing and healthy without a roof over their heads.
industry for almost 40 years, most recently Yet research shows that health and educa-

ezra millstein

affordable housing invests in hope
tion get the most philanthropic dollars. Part
of the work of Habitat is to connect the dots
between decent housing and a better life—to
help people understand how hope grows
when the next generation has a good home.
The past two years I have traveled all over
the world for Habitat, spreading this message,
and I plan to continue. I have learned a great
deal from homeowners, staff and volunteers
at house dedications and celebrations. We
have exchanged information, and shared
laughter and tears. I know the work we are
doing, and it is more important than ever.
The need is huge and growing. Through-
out my tenure on the board, we have always
faced the limitation of doing only what we
have the money to do. Part of the $100 mil-
lion I have pledged will go toward innovative
housing microfinance that will let Habitat
reach many more people in the years and
27
decades to come. More than 60,000 families
alone will be reached by just part of this gift.
But decent, affordable housing needs
to reach more than 1.6 billion people. The
transformation that happens through the
mission of Habitat for Humanity needs to
grow as exponentially as that unfathomable
number of need.
Join us on the journey. Be a part of
transformation.
J. Ronald Terwilliger
Chair
Habitat for Humanity International
Board of directors
ezra millstein
28
Extending hope: A sampling of milestones and firsts from an
Thousands of people make heartfelt financial
and personal contributions to help hope
grow. The list here is a sample of just a
few donors whose ongoing partnerships
marked a particular milestone in FY2009.
Leading the list is Ron Terwilliger. With his
history-making $100 million commitment
freshly inked, Ron will dedicate his retirement
to encouraging others to give. On several
continents and in dozens of cities, his message
is consistent: “Those who work hard to operate
our companies, clean our hospitals and keep
our communities safe are the backbone of any
economy, and when they are properly housed,
that has a positive impact on you and me.”
Tom Gipson
North Carolina builder Tom Gipson came
up with an idea in 2002 that keeps on
growing: the Home Builders Blitz. Habitat for
Humanity decided to promote Gipson’s Home
Builders Blitz idea beyond North Carolina,
and two nationwide events in 2006 and 2008
resulted in more than 700 new Habitat homes
in communities across the country. In 2009,
Gipson’s commitment to building affordable
housing with Habitat earned him the Ultimate
Volunteer Award in a nationwide contest that
included a cash prize, resort points, a trip
to New York and an interview on “The View”
for the winner. Gipson and nine other finalists
won from a pool of nearly 2,000 nominees
in the online contest that attracted attention
across the United States. Gipson plans to
donate his $10,000 winnings to Habitat for
Humanity to further his and the organization’s
goal of eradicating poverty housing.
Martha Parrish
Longtime art dealer Martha Parrish knew
what she wanted to do when the time was
right to retire from the gallery she had co-
owned since 1993. The artist’s spirit stayed
with her, but her heart belonged to helping
others find dignity in homeownership. She
took the bold step of donating $100,000 to
Habitat for Humanity International, joining
the board of the New York City affiliate and
setting an ambitious schedule of worldwide
travel to bring friends and contacts into
the mission. Recognizing the vast need for
adequate housing around the world, Parrish
is committed to making a contribution with
positive results that will be as timeless as the
most significant works of art.
People of Qatar
As proof that generosity knows no borders,
the People of Qatar joined the list of donors
opening their hearts and financial resources to
survivors of Hurricane Katrina. With a $100
million gift, the Amir of Qatar, His Highness
Sheikh Hamad Bin Khalifa Al-Thani, created
the Qatar Katrina Fund to bolster the work
of 18 organizations operating in the disaster
region. At the start, a $22 million commit-
ment came to Habitat for Humanity. In the
2009 fiscal year, $3.23 million was added
toward completion of 337 homes along the
Gulf Coast. Habitat intends to build houses
in the region as long as the need exists and
resources permit. Continued partnerships and
gifts from generous donors such as the People
of Qatar allow Habitat to accelerate acquisi-
tion of land and materials necessary not
only to build houses but also to positively
affect surrounding communities for years.
The Salvation Army
With a shared mission of service to those in
need, Habitat for Humanity and The Salva-
tion Army entered an ongoing partnership
to assist families devastated by hurricanes
Katrina and Rita immediately after the
disasters. The Salvation Army provided more
than $10 million in grants that included:
down-payment assistance for homeownership
in the crisis areas; direct home sponsorship
at the 2008 Jimmy & Rosalynn Carter Work
Project on the U.S. Gulf Coast; and in-kind
program and project support for volunteer
builders and homeowner partner families. As

extraordinary year of giving
two of the largest religious charitable organi-
zations in the United States, Habitat and The
Salvation Army view their partnership as a
way to exponentially increase their reach to
touch the lives of countless men, women and
children in the United States and worldwide.
Barry and Dolly Segal and
the Segal Family Foundation
In 1966, Barry Segal started a small building
material distribution company called Bradco.
After more than 40 years, Segal sold his con-
trolling interest in the company that he had
grown into a $1.9 billion business with 150
branches. Segal’s approach to business, life
and now his foundation has been to focus on
preventing the root cause of any problem. For
Segal, Habitat for Humanity’s model for safe,
decent and affordable housing does just that.
This year, the Segal family partnered with
Habitat for Humanity in Madagascar and
Kenya, helping to break the cycle of poverty
and homelessness for more than 250 families
living in urban slums or temporary shelter.
Segal’s generous gift of $500,000 helps fund
urban redevelopment projects that include
water and sanitation for families in Habitat
homes and their surrounding communities.
Segal’s involvement in Africa has inspired
other donors to expand their investment in
the most destitute parts of the continent.
Subaru
Increasingly, consumers have expressed a
desire to extend their purchasing power to
do good deeds. In the inaugural year of cause
marketing as a fundraising opportunity for
Habitat for Humanity International’s cor-
porate partners, Subaru generated nearly $1
million in the United States as unrestricted
funds for Habitat’s work. Subaru donated
$250 for every new vehicle sold or leased
to one of five charities, including Habitat
for Humanity, through its “Share the Love”
event. In addition to the funds raised, the
month-long event created awareness of Habi-
tat’s mission through customer engagement
and media attention. By supporting Habitat,
Subaru and its customers extended hope to
families and communities around the world.
Reggie Van Lee
When he signed on to a leadership role with
Habitat, one of Reggie Van Lee’s major goals
was to increase philanthropic gifts from a
broader pool of donors. “I challenge other peo-
ple of color to learn about Habitat … to engage,
participate and consider the impact they can
make by philanthropically supporting its work
around the world,” Van Lee said. A published
author and executive vice president at Booz
Allen Hamilton, Van Lee contributed $500,000
of his personal funds to serve as a model for
the commitments he is seeking from friends
and colleagues. “When you realize there’s a
strong, logical connection between housing
and health, between housing and education,
between housing and hope—you want to do
what you can to help foster it,” Van Lee added.
29
Whirlpool
This year marks the 10th anniversary of
Whirlpool Corporation’s partnership with
Habitat for Humanity, and that decade sym-
bolizes thousands of lives made better around
the world. Whirlpool works with Habitat in
the United States and abroad. The partnership
focuses on product donations, volunteer labor
from employees and building awareness
of Habitat’s vital work. In Europe, Habitat
and Whirlpool have held special builds with
top European female tennis players joining as
volunteers. In addition, Whirlpool has viewed
its role over the years as one of encouraging
other companies to get involved. The com-
pany has donated more than 100,000 ranges
and ENERGY STAR® qualified refrigerators to
new Habitat homes built in North America,
and plans to support homes globally through
product donations, cash or volunteerism.
30

Donors whose gifts totaled

$1 million or more in FY2009
Akzo Noble Polymer Chemicals Ron Terwilliger

Bank of America Schneider Electric

Citi Foundation State Farm

Delta Air Lines Teammates for Kids

DeWalt The Home Depot Foundation

Dow Chemical Company The Salvation Army

Estate of Edwin A. Kehr Thrivent Financial for Lutherans

Lowe’s Tile Partners for Humanity

Nissan North America, Inc. Valspar

Pacific Gas & Electric Co. Whirlpool

People of Qatar

Six-year-old Dezika Rac stands with his father’s

hand on his head. Their home, in a Roma community
in Hodejov, Slovakia, has been rehabilitated with the
help of Habitat for Humanity Slovakia.

ezra millstein
 31

Habitat for Humanity International, Inc.

Years ended June 30, 2009 and 2008
ezra millstein
32
A commitment to global stewardship
Habitat for Humanity International (HFHI)
practices good stewardship with all funds
entrusted to its mission of eliminating
substandard housing. Using funds wisely
allows Habitat to serve more families and
communities around the world.
Revenue
Habitat for Humanity International is a
tax-exempt 501(c)(3) nonprofit corporation
supported by people who believe in its work.
Support comes in the form of contributions
from individuals (cash, stock gifts, estate
gifts and an annuity program), corporations
(cash, donated assets and services), founda-
tions and other organizations.
Government assistance is also welcomed.
Habitat for Humanity participates in select
government initiatives such as the Self-help
Homeownership Opportunity Program
(SHOP) and the AmeriCorps program in
the United States.
Total revenue in FY2009 was $245.8
million. Total cash contributions in FY2009
were $171.8 million, $87.6 million of
which were unrestricted cash donations.
Government grants totaled $17.4 million in
FY2009. Also included in revenue is $45.7
million in donations-in-kind and $10.9
million in other income.
Expense
Habitat for Humanity International classi-
fies expense in three primary categories:
program expense, fundraising expense and
management/general expense. Program
expense is further divided into three subcat-
egories: U.S. affiliates, international affiliates,
and public awareness/education (advocacy).
Total expense amounted to $267.1 million.
Program expense
In FY2009, Habitat for Humanity
International spent a total of $216.5 million
on program expense, representing 81 percent
of total expense. These funds were used
for direct cash and gift-in-kind transfers to
affiliates and national organizations around
the world for house construction and other
expenses. Program expense included costs
for programs that directly benefit affiliates
and national organizations, such as youth
programs, disaster response, training
seminars and information materials. Also
included is the cost of evaluating the work
of affiliates and national organizations, along
with providing technical support.
Included in international transfer ex-
pense is $14.8 million in tithe funds collected
from U.S. affiliates and used to support the
work of affiliates in other countries. Tithing
is a commitment set forth in covenants
signed by all Habitat for Humanity affiliates.
Affiliates outside the United States also
tithed to support Habitat for Humanity’s
work in other countries, often making direct
contributions that are not reflected in these
financial statements.
Habitat’s program expense also includes
costs associated with public awareness and
education, including special events such as
the Jimmy & Rosalynn Carter Work Project,
Global Village work trips, Web sites, videos,
Habitat World magazine and other costs to
respond to the public and media.
Fundraising expense
In FY2009, fundraising expense totaled
$37.8 million, representing 14 percent of
total expense. Major fundraising programs
include direct mail and telemarketing cam-
paigns and direct contact with major donors,
foundations and corporations. FY2009 saw
a sustained emphasis on targeted proposals
to major donors, and HFHI continued
to support fundraising efforts in Western
Europe and other strategic markets.
Many of HFHI’s fundraising appeals
result in donations made directly to U.S. and
international affiliates or other national and
international organizations. In such cases,
HFHI bears the fundraising expense but does
not reflect the resulting donations as revenue.
Management and general expense
For FY2009, management and general expense
totaled $12.8 million, representing 5 percent
of total expense. This includes costs of staffing
(other than program and fundraising staff),
utilities, building maintenance and other costs
from day-to-day operations of HFHI.
 33

Consolidated Statements of Financial Position Consolidated Statements of Activities and Changes in Net Assets

June 30 Year Ended June 30

2009 2008 2009 Total 2008 Total
Assets Revenues and gains
Cash and cash equivalents $48,297,181 $55,362,660 Contributions $171,787,684 $188,692,549
Investments at fair value 96,564,284 149,382,103 Donations-in-kind 45,718,451 16,520,127
Receivables 103,001,735 80,420,733 Government grants 17,364,922 20,023,766
Other assets 14,991,480 16,304,431 Other income, net 10,870,874 24,114,052
$262,854,680 $301,469,927 Total revenues and gains 245,741,931 249,401,167

Liabilities and net assets Expenses

Total liabilities $59,837,340 $75,246,266 Program services:
U.S. affiliates 134,986,851 165,237,599
Net assets: International affiliates 66,012,763 70,126,389
Unrestricted 11,011,735 32,340,392 Public awareness and education 15,543,764 17,773,405
Temporarily restricted 191,505,605 193,883,269 Total program services 216,543,378 253,137,393
Permanently restricted 500,000 –
Total net assets 203,017,340 226,223,661 Supporting services:
$262,854,680 $301,469,927 Fundraising 37,768,754 38,303,524
Management and general 12,809,294 13,468,231
Total supporting services 50,578,048 51,771,755

Total expenses 267,121,426 304,909,148

Losses on contributions receivable 1,826,826 911,287
Total expenses and losses
on contributions receivable 268,948,252 305,820,435

Habitat for Humanity International’s auditors, Ernst & Young, have expressed an unqualified
opinion on our June 30, 2009 consolidated financial statements. Those financial statements Change in net assets (23,206,321) (56,419,268)
include associated notes that are essential to understanding the information presented here- Net assets at beginning of year 226,223,661 282,642,929
in. The full set of statements and notes is available at Habitat’s Web site, www.habitat.org.
Net assets at end of year $203,017,340 $226,223,661
34

Habitat for Humanity International

audited consolidated financial statements
FY2009 Sources of Funds
Contributions – $172 million

70%
Gifts-in-kind – $46 million

19%

Government grants – $17 million

7%
4%

Other income – $11 million

FY2009 Use of Funds

Program - U.S. affiliates – $135 million

25%
Program - International affiliates – $66 million

50%
6%
Program - Public awareness and advocacy – $16 million
14%
5% Fundraising – $38 million

Management and general – $13 million

Total program expense equals 81 percent.

*rounded to the nearest million

 35

Habitat for Humanity’s unaudited combined financials

The audited financial statements of Habitat FY2008 Unaudited Combined Financials: Sources of Funds
for Humanity International reflect only
part of Habitat’s work around the world. Contributions and grants – $630 million
As autonomous nonprofit organizations,
Habitat for Humanity affiliates and national 33%
organizations keep their own records of Sales of homes – $465 million
revenues and expenditures. 45%
To better demonstrate the magnitude
of the movement, HFHI annually compiles 15%
Other income – $215 million
combined (unaudited) financial amounts for 7%
Habitat for Humanity in total.

Gifts-in-kind – $90 million

1.4 billion FY2008 Unaudited Combined Financials: Use of Funds

Total Revenue*
Program – $1 billion

2.1 billion
84%

Total Net Assets* Management & general – $104 million

8%
*The total impact of the entire Habitat 8%
for Humanity mission for the fiscal Fundraising – $101 million
year that ended June 30, 2008.

*rounded to the nearest million

36

The founder and the future

Millard Fuller

Andy Shivers
1935-2009

God abruptly called Millard Fuller home

on Feb. 3, 2009.
Inspired by Clarence Jordan’s challenging
premise that Christians ought to act as if
Jesus Christ meant what he said and lived,
Fuller and his wife, Linda, started Habitat for
Humanity in 1976 in Americus, Georgia.
From that beginning, Habitat for
Humanity has become a remarkable force in
the affordable housing movement worldwide.
So how do we remember Millard Fuller?
Here’s what Clive Rainey—director of com-
munity relations for Habitat for Humanity
International, with more than 30 years of
service to the organization—suggests:

“We raise our hammers a little higher;

we bring them down a little harder and
a little faster. We build more houses.”

ezra millstein
 37

Habitat for Humanity International board of directors: FY2009

Officers
Chair J. Ronald Terwilliger
Vice Chairman Tony Lanigan
Vice Chairman Ken Klein
Secretary Elizabeth Crossman
Treasurer Ted Dosch
National managing partner, Trammell Crow Residential Atlanta, Georgia, United States
Project and technology consultant Auckland, New Zealand
Building contractor, real estate developer Tulsa, Oklahoma, United States
Retired director, corporate contributions, and president, Weyerhaeuser Company Foundation Trail, Oregon, United States
Senior vice president of global finance, Anixter International Glenview, Illinois, United States

Board members
Nabil Abadir General director, CEOSS (Coptic Evangelical Organization for Social Services) Cairo, Egypt
Archbishop Vicken Aykazian Archbishop, Diocese of the Armenian Church of America (Eastern); president, National Council of Churches Washington, D.C., United States
Kathleen Bader (Ret.) Chairman, president and chief executive officer of NatureWorks LLC Midland, Michigan, United States
Edward Bastian President and chief financial officer, Delta Airlines Atlanta, Georgia, United States
Henry Cisneros Chair, City View San Antonio, Texas, United States
John Gilbert (Ret.) Chair, Thrivent Financial for Lutherans Minneapolis, Minnesota, United States
Renee Glover President and chief executive officer, Atlanta Housing Authority Atlanta, Georgia, United States
Mary Kazunga Canada Fund coordinator, Canadian High Commission Lusaka, Zambia
Kevin Kessinger Executive vice president and chief information officer, TD Bank Financial Group Toronto, Ontario, Canada
Chainarong Monthienvichienchai Vice chancellor, Saint John’s University Bangkok, Thailand
Anugerah Pekerti Adviser, World Vision International, Indonesia Jakarta, Indonesia
Jonathan Reckford Chief executive officer, Habitat for Humanity International Atlanta, Georgia, United States (ex-officio)
Ed Schreyer Former governor general of Canada Manitoba, Canada
Alex Silva President and founder, Omtrix, Inc. San Jose, Costa Rica
Juel Shannon Smith Educational consultant and founding director, Institute on Black Life and the Center for Africa and the Diaspora Tampa, Florida, United States
John Stack Senior minister, Alberton Methodist Church Alberton, South Africa
Eduardo Tabush President and chief executive officer, La Uva S.A.; Delimport Internacional S.A., Divinos S.A. de C.V Guatemala City, Guatemala
Gladys Gary Vaughn Director of the Office of Outreach, U.S. Department of Agriculture Cabin John, Maryland, U.S.A.
38

Habitat for Humanity International senior leadership FY2009

Jonathan T.M. Reckford Mike Carscaddon Elizabeth Blake Chris Clarke Mark Crozet Ed Quibell Audley Bell Larry Gluth
Chief executive officer Executive vice president Senior vice president Senior vice president Senior vice president Senior vice president Vice president Vice president
International field operations Government Relations and Marketing and Resource Development Administration Internal Audit U.S. field operations;
Advocacy; general counsel Communications Chief financial officer Canada, Guam, Bermuda

Connie Steward Steve Weir Richard Hathaway Gregory Foster Don Haszczyn Torre Nelson Tom Jones
Vice president Vice president Vice president Vice president Vice president Vice president Ambassador of Habitat
Human Resources, Learning and Global Program Asia and Pacific area Africa and Middle East area Europe and Central Asia area Latin America and
Organizational Development Development and Support Caribbean area
 39

Habitat for Humanity International offices

Habitat for Humanity International
Operational headquarters
121 Habitat St.
Americus, GA 31709 USA
Phone: (800) 422-4828
Email: publicinfo@habitat.org
Habitat for Humanity International
Administrative headquarters
270 Peachtree St. NW, Suite 1300
Atlanta, GA 30303 USA
Phone: (404) 962-3400
Email: publicinfo@habitat.org
Asia and the Pacific area office U.S. and Canada area office
Q. House, 8th Floor 121 Habitat St.
38 Convent Road Americus, GA 31709 USA
Silom Phone: (800) 422-4828
Bangrak, Bangkok 10500, Thailand Email: publicinfo@habitat.org
Phone: +66-2-632-0415
Email: ap_info@habitat.org HFHI Government Relations and Advocacy office
1000 Vermont Ave. NW, Suite 1100
Europe and Central Asia area office Washington, D.C. 20005 USA
Zochova 6-8 Phone: (202) 628-9171
811 03 Bratislava, Slovakia Email: HFHIadvocacy@habitat.org
Phone: +421-2-33-66-90-00
Email: eca@habitat.org

Africa and the Middle East area office Latin America and the Caribbean area office
Celtis Plaza, North Block, 1085 Schoeman St. Del Hotel Irazu 300 Noreste y 100 Este, La Uruca
Hatfield, Pretoria 0083, South Africa San José, Costa Rica
Mailing address: Mailing address:
Box 11179 SJO-2268
Pretoria 0028, South Africa P.O. Box 025331
Phone: +27-12-430-9200 Miami, FL 33102-5331
Email: ame@habitat.org Phone: +506-2296-8120
Email: lac@habitat.org
 The children of today
“Many things we need can wait. The child cannot. Now
is the time his bones are formed, his mind developed.
To him we cannot say tomorrow, his name is today.”
—Gabriela Mistral, Nobel Prize-winning poet from Chile.

7601/7M/CAS/12-09
International Headquarters: 121 Habitat St. Americus, GA 31709-3498 USA
(229) 924-6935 (800) HABITAT fax (229) 928-8811 publicinfo@habitat.org www.habitat.org

Cover: Nevine Sayyed, wife of Zakariya Sayyed, holds their 11-month-old son, Mustafa, and chats with neighbors through a hole used as a window in
their home in Tripoli, Lebanon. The family will make repairs through a housing microfinance partnership with Habitat Lebanon. STEFFAN HACKER