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CEO letter: Te power of hope 1
ByJonathanT.M.Reckford
Introduction: Te 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
ByJ.RonaldTerwilliger
Major donors: Milestones in giving 28
Financial information 31
Leadership
For the founder 36
Board of directors 37
Senior leadership team 38
Habitat oces 39
T of contnts
A child of a Habitat homeowner
sits in the Catalyst School nearRainbow 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.
Mikel FlaMM
Lovebearsallthings,believesallthings,hopesallthings,enduresallthings.
ICorinthians13:7
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1
Fom th CeO: Th pow of hopWe are privileged to witness the
world over, time and again, the
power of hope At the dedication
ceremonies of Habitat for Humanity
homes, volunteers oen cry tears of
joy CEOs hug employees they may
otherwise have never met Neighbors
turn out to welcome new friends, and
homeowners ash brilliant smiles
Families who receive the keys to their
new homes take ownership of the
future, as their mortgage payments go
to help others realize their dream of
owning a home of their own
Te struggling economy during the past
year has been a challenge, but the thought of the
families we serve struggling even more motivat-
ed us to think creatively We couldnt lose hope
In the United States, the economy and
the housing crisis caused many aliates to
innovate Rather than building predominantlynew houses, Habitat responded to the glut
of foreclosed and empty homes in many
communities by buying and rehabbing vacant
houses that could then be sold to low-income
families at prices they could aord
Internationally, we continue partnering
with other organizations, not only to build
houses, but to ensure holistic community
development and truly transform lives We
have sought alternative forms of nancingto reach even poorer families with home-
improvement loans and technical assistance
Tese eorts allowed us to partner
with a record of more than 61,000
families globally, in spite of a dicult
fundraising environment
And so, we are looking ahead
Weve cut expenses and reduced sta
to maximize the impact of every dollar
We intend to come out of this nancial
crisis a stronger organization We will
do that by staying true to our roots
by continuing to demonstrate Gods
love to a world that needs it more than
ever We continue to help families nd
hope We must tend the soiltaking care of
the work of today while staying focused on
tomorrowto create a world where everyone
has a decent place to live
Jonathan M Reckford
HabiTaTFOrHuManiTyelsalvadOr
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In La Pintada, western Honduras,
a young Chorti boy plays with his
hat inside his familys 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 oors. The mud walls of
traditional Chorti houses attract
chinche picuda bugs, which cause
Chagas disease. With the nancial
support of Gaston County Habitat
in North Carolina, 847 people now
have safer housing.
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Te children of Habitat for Humanity home-
owners are sometimes shy at rst With
serious faces, they shadow their parents as
they make the tentative steps toward owning
a home Ten childrens condence 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 oen improve
their nancial situations and become more
self-sucient Te whole familys mental and
physical health improves Parents become
more active in their communities With a
greater sense of stability, children oen make
better grades and stay in school longer
Studies conrm these gains for families,but, beyond the social science, there are thou-
Introduction:
Th nxt gntonsands of success stories Children of Habitat
homeowners grow up Many attend college
oen the rst 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 oce 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 dicult economic times, increasing
the pace of our workand planning and
building for the futureis something to x
our hope on at Habitat Most of us, despite
our dierences in language, culture and ge-
ography, can nd hope in a childs 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 16 billion
people in need of decent housing
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1In May 2009, the rst Habitat Resource
Center in Central Asia opened in Asht,
ajikistan It oers vocational education on
construction skills and housing services for
low-income ajik families Te center ideaspread from Habitats success using it aer
the 2004 tsunami in the Indian Ocean
Chapter 1era MillTei
Highlights to celebrate from FY2009July1,2008June30,2009
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4Habitat for Humanity International earned a
four-star rating for sound scal management
from Charity Navigator, an independent
charity evaluator, indicating that Habitat
consistently executes its mission in a
scally responsible way
10In 2009, Habitat celebrated the 10th
anniversary of its work in Kyrgyzstan A year
aer Habitat started work, it broke ground
for the rst 10 houses on the outskirts of
Bishkek, the Kyrgyz capital en years later,
Habitat has served 1,735 families and
works in three regions of the country
11Habitat for Humanity was ranked as the
11th largest homebuilder in the United
States by Builder Magazine in
its 2008 Builder 100 list
6
20Te 20th anniversary of Collegiate Challengewas celebrated in March 2009 Students
ages 16 to 25 volunteer during breaks with
more than 200 US aliates to work with
homeowners like Enjonie Ingram, right, in
Homestead, Florida Since 1989, more than
168,700 young people have participated
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25In 2008, Habitat for Humanity Asia/
Pacic 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
99659965 percent was the repayment rate for
mortgage loans by Habitat for Humanity
Egypt families at the end of FY2009
1,000Habitat for Humanity Paraguay organized
a blitz build with more than 250 local and
international volunteers to celebrate its rst
1,000 houses built and then inspired the
country with a campaign, Casa 1000, Manos a
la Obra! (House 1,000 Lets get to work!)
100$100 million is the remarkable legacy gi
pledged by Ron erwilliger to further the
work of Habitat for Humanity worldwide
Te chair of the Habitat for Humanity
International board of directors explains his
life-changing commitment to families and
housing in a letter on page 26
sTeFFanHaCker
150Aer Hurricane Felix, Habitat built 150 disaster-
recovery houses in Auhya Pihni, Nicaragua,
with the Miskito indigenous community
1,500Women Build crews have built 1,500 houses
since the program began in 1998 Te mile-
stone house was reached by Henderson
County Habitat in North Carolina in May
2009 An average of 200 Women Builds are
now completed annually, with builds takingplace in the United States and internationally
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2,835Each house built for the 26th Jimmy &
Rosalynn Carter Work Project in Chiang Mai,
Tailand, requires 2,835 blocks est 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
8
10,000Te 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 Te
milestone house belongs to the family of
carpenter Arthur Fernando from Moderavillage, Egoda Uyana city, in Moratuwa Te
family of ve lived in temporary shelter for
more than three years aer the Asian
tsunami of December 2004
MikelFlaMM
7,000Habitat for Humanity El Salvador has built
7,000 houses since 1992 Te national pro-
gram served a record number of families this
year, with 1,139 housing solutions provided
6,000Since 2002, Habitat for Humanity Chile
has made nearly 6,000 housing solutions
possiblemore than 1,000 in FY2009 alone
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25,000More than 25,000 Habitat advocates
contacted their US congressional
representatives to support the Serve America
Act, which added to the AmeriCorps
members serving communities through
Habitat aliates Advocates were reachedand organized through a multiyear advocacy
campaign called Build Louder
30,000Habitat for Humanity Guatemala celebrated
the construction of its 30,000th home on
May 15, 2009 A 10-home build took place
in the city of Quetzaltenango, also known
as Xela Te event also celebrated the 30th
anniversary of the national organization,
which began in 1979
50,000Habitat for Humanity Lesotho reached an
estimated 50,000 people through an advoca-
cy campaign highlighting secure tenure and
inheritance rights Te campaign trained 40
paralegals in Maseru and Quthing districts,
held 691 public meetings, and conducted 287school visits and 1,531 family or individual
visits through the network of paralegals
61,000More than 61,000 families were served by
Habitat worldwide in FY2009, a record
number served in a single year
20,000In April 2009, Habitat Guatemala made
a tithe commitment of US$20,000 to
ajikistan, a focus country for launching
innovative projects and partnerships Tis
is the rst time a program outside of the
United States, Canada or Europe has
tithed to ajikistan
57,892Trough its disaster response work, Habitat
has served 57,892 families In FY2009,
recovery projects were under way in Myanmar,
Nicaragua, China, India and Indonesia
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300,000On Nov 13 and 14, 2008, volunteers raised
the walls on Habitat for Humanitys 300,000th
house, in Naples, Florida, and the 300,001st
house, in Zacapa, Guatemala Te 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 afliate for 15 years. Building this house
on Mary Anns legacy of passionate advocacy for the
working poor provides tremendous momentum for
all those involved in Habitat, Durso said.
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350,000
Guillermo Martinez and his niece, Anna, sit in their fami-
lys house in La Pintada, Honduras, which was renovated
in partnership with Habitat for Humanity Honduras.
More than 350,000 families and 175 millionpeople have been served by Habitat for Humanity
worldwide, from Habitats founding in 1976
though the end of FY2009
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Area New Rehabs RepairsTotalfamilies served
Africa/Middle East 3,415 3,988 2,063 9,466
Asia/Pacic 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/Caribbeanthrough 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 scal year
Tese families served are not included in totals above
Htt fo Hmnt intnton:Fms s n Fy2009
Strategic plan goal:
100,000fms s nn 2013.Five-year-old Arman Sarkisyan isthe nephew of Habitat home-owner Vachik Sarkisyan in NorArmavir, Armenia.
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Chapter 2
Habitat for Humanitys mission captures
the imagination, energy and hope of young
people worldwide Children are both thefocus 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 fewsamples of Habitats work with children and
childrens work for Habitat follow
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afc: Owhmng n qs ptnshps, fxt
Habitat has been at work for years in
countries where the HIV/AIDS pandemic
has le 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 supportIn 2009, Habitat for Humanity Cte
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
argeting 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 areat a saturation point Many orphans are part of
child-headed households, oen with no place
to live, and end up as street children
And so, innovation and exibility 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
childrenone in fourare 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 helpingextended families take in children in need
We had found that extended families
werent unwilling to take in orphans, Keeton
said Tey just didnt have the means
Te new model means that children who
have already gone through the pain of losing
one or both parents dont have to be further
traumatized by moving to a new community
and tting in with a house full of strangers
Te result is happier, healthier familiesnot
just childrenand stronger communitiesTe six Rothe brothers, Keeton said,
moved into a new home built with the help
of a Global Village volunteer team early
in 2009 Te youngest brother, 12-year-
old Reekelitsoe, has already improved his
schoolwork, his proud older siblings say
Reekelitsoe Rothe with two of his older brothers. The brothers are building a better life for themselves with
the help of Habitat for Humanity Lesotho.
HabiTaTFOrHuManiTylesOT
HO
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in Ch: bng O Chn Hom
Gladys Robledo, 14, has a nurturing instinct
that is on full display when she looks aer
her precocious 5-year-old neighbor, Alison
Te 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 Te remaining family
members share one bedroom in their narrowtwo-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
Tose same families, however, frequently
lack the resources to improve their living
situation Tis leads doctors to recommend
that some terminally ill children remain inhospitals or other medical facilitiesrather
than return to overcrowded, poorly insulated
or badly constructed homes
Enter Habitat for Humanity Chile In
partnership with Dr Exequiel Gonzles Cortez
Pediatric Hospital in Santiago, Habitat Chile iscreating a way to safely reunite children with
their families Te project, Nuestros Hijos
15
Vuelvan a Casa (Bring Our
Children Home), provides
basic, immediate home
improvements Trough
simple home additions
or renovations to existing
rooms, Habitat Chile creates
a healthier, more comfortable
home environment In many
cases, this basic change to theirhousing situation can make the
dierence between whether a
child lives in the hospital or at
home with loved ones
We have to shi our focus
to more than just medicine,
says Ana Chavez, director of
pediatrics [A sick child] has a lot of needs But
if they dont have a safe and adequate environ-
ment to go home to, then what we are doing
here at the hospital doesnt make any senseHabitat Chile hopes to serve at least 200
families through this project by May 2011
Each home improvement takes an average
of ve 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 qualied
construction workers share the work
Construction depends on theconditions of the existing house and the
medical needs of the child: handicapped-
accessible modications 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
Fourteen-year-old Gladys Robledo, left, often looks after her neighbor,
Alison, 5. Gladys, who is HIV-positive, watched as Habitat added a
new room to her familys house so that Gladys can live at home,
rather than in a hospital.
Page 13: Flowers grow in front of Loraen and Loli
Vilches Habitat house in Porongo, Bolivia. Thecouple had been raising their three sons there since
2005. Before the house, the family lived in one room
of a family members house.
PHilliPJOrdan
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Hpng chn n bgTanks 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 Te project
will help 20 Bulgarian families
Habitat Bulgaria and the Center for Hope
foundation are partnering on the project
Habitat for Humanity Internationals Women
Build program is providing nancial support
as part of its eort to support projects aect-
ing women and children around the world
For the renovations in Bulgaria, each
family repays a loan in three to ve years,
and the families are actively involved in the
building process Work began in September
2009 and should conclude by spring 2010
In Hong Kong, youth are getting involved
Students from Habitats campus chapter of
the Hong Kong International School build
shelters out of cardboard boxes and rubbish
bags on a school eld and sleep in them over-night to raise money and awareness about
Habitat for Humanity Its a way to advocate
for Habitat, have fun and try to make a point
Campus chapters are student-led, student-
initiated organizations on high school or
college campuses that partner with local
Habitat aliates to advocate, educate, build
and fundraise In FY2009, more than 480
US campus chapters involved more than
37,000 members US campus chapters
donated more than $16 million to local af-
liates and contributed $65,000 to Habitats
global work through tithe donationsTe University of California-Berkeleys
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 Habitats youth
programs in the United States
Eighteen-year-old Samantha Page is
the daughter of a Habitat homeowner in
Brunswick, Georgia, USA Her familys
Habitat house made such a dierence in
her life that she organized a youth groupat her aliate 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
awnss n Hong kong
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
Te sleepout experience gives you anurge to get people o of the streets, out of card-
board structures, and into proper homes Tis
is what Habitat for Humanity is really about
tnts t woCollegiate Challenge oers groups of
students, ages 16 to 25, the opportunity to
visit and build with host aliates through-
out the United States during their school
breaks Students spend one week working in
partnership with the local aliate, the local
community and partner families Since the
program began in 1989, more than 168,700
young people have participated, contributing
more than $161 million to Habitats workDuring 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 oers
teachers lesson plans about poverty hous-
ingand provides educational eld trips to
the Global Village & Discovery Center in
Americus, Georgia, a six-acre demonstration
of poverty housing and models of 15 housesHabitat builds in other countries
Global Village trips, short build trips to
countries around the world, also sometimes
include a visit with local schoolchildren
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Chapter 3TeFFa HaCker
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ghohoo rtzton
Te work of Habitat for Humanity is
always about communityfrom 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 Indianafound that people who live next door to
Habitat homeowners say they are good
neighborsoen the best in the neighbor-
hood Good neighbors build community
Te 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
Te shockwaves around the world have only
exacerbated an already epidemic need fordecent, aordable housing
Tis sobering reality in housingand
the equally challenging fundraising cli-
matehave spurred Habitat to put a new
emphasis on strengthening communities
through programs under the umbrella of
Habitats Neighborhood Revitalization
Initiative Te refocus on making Habitat
aliates the catalyst for holistic, sustainable
community development began this year
and will continue into FY2010 and beyondhe initiative grew in response not
only to the volume of hurting communi-
ties who asked their local Habitat aliate to
step up to the increasing need, but also to
Habitats 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 US affili-
ates But the Neighborhood Stabilization
Program (NSP1/NSP2), created by theUS government to stabilize communities
18
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with vacant houses, made money available
for affiliates to rehab houses and serve
low-income families
Trough 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 GeorgiaAnn Sanders and her neighbors in Macon,
Georgia, are a prime example
Sanders moved into her new Habitat
house on Valentines 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 ristan, 2
Stories of transformation, small and
large, spread along these streets Habitat
has plans to build or rehab more than 46homes 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 couldnt aord
eld trips, the museums now come to them
Te Southside Community Church has
become the focus of change, oering a place
for GED testing, neighborhood meetings and
storage for Habitat Other community classesare 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
Tese 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
Repairinganeighborhood
Another component of Habitats 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 needoen elderly or
disabled Te program helps low-incomehomeowners who are struggling to maintain
their homes, improving the looks and attitude
of entire neighborhoods while oering
opportunities for many volunteers inspired
to make a dierence
Selah, 5, daughter of homeowner Monica Echevarria,
practices her singing and dancing in the front yard
of her familys Habitat house in Phoenix, Arizona.
Monica and Selah, Alondra, 7, and Adrian, 11, havelived in their house for more than ve years.
intt: rfocs n th unt tts
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At right, Pilson Kipkirui, grandson
of Kipkorir Tesot, stands at the
front door of the familys home
in Bomet, Kenya. Kipkorir Tesot,
a retired teacher and subsistence
farmer, built his familys home,
this page, with a series a small
loans from Habitat for Humanity
Kenyas micronance program.
The loans allowed him to build in
stages with materials he saved for
more than 10 years.
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Chapter 4
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22
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/Pacic But the need for decent, af-
fordable housing only grows, especially in cities
For example, Africa faces the worlds most
rapid urbanization and population growth
More than 85 percent of Africas population
cannot get a mortgage or conventionalhousing loan from a formal institution
Borrowing from the measurable success
of micronance to build income for the
poor, Habitat for Humanity has increasingly
implemented micronance principles and
become partners with other organizations to
oer small loans for rehabs or repairs in the
past four years Tese practices allow families
to make housing improvements in stages
one small loan at a time
Habitats acknowledged expertise in hous-ing makes it an ideal partner for micronance
institutions With increasing experience in
housing micronance, Habitat has become a
respected, global source of advice, appearing
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 micronance programs Eight countries
in Europe and Central Asia have housing mi-
cronance programs at work India, Tailand
and Nepal have active programs, and several
programs are under way in Latin AmericaSome examples:
A new partnership with HOPE Ukraine
has been expanded f rom Uzhgorod to
other towns in the ranscarpathian region
In ajikistan, low-income households can
borrow US$500 for incremental home im-
provements such as roong, ooring and
insulation, or as little as US$50 to install
water lters and upgrade sanitation
In Slovakia, loans have been used for
energy-ecient renovations that provedcritical last winter in rural areas le
without heat amid the energy crisis when
Russia cut gas deliveries to Europe
Habitat for Humanity Lebanon, in
Hosng mconnc offs sttgc poms
partnership with Al Maj Moua, a leading
micronance institution, plans to serve 60
families a year Te 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
Trough its partnership program, Habitat
Uganda provides institutional and techni-
cal assistance to families and veries theloan is used for house construction or
improvement Ugafode, a micronance
partner, manages the loan
With a grant from USAID, Habitat is work-
ing to develop a housing nance 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 micronance
program for the region Te partnershipis already under way in Peru, where new
housing micronance products targeting
very low-income families are scheduled
to be launched in early 2010
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A mother holds her infant son in
the doorway of their dilapidatedapartment on the outskirts of
Vientiane, Laos. Habitat began
work in Laos this year with a
housing micronance partner.
23
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24
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25
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J. Ronald Terwilliger on investing in hope . . . .26
Donors making a difference for families. . . . . .28
Recognition of million-dollar donors . . . . . . .30
Chapter 5
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26
ransformation happens on Habitat for
Humanity build sites It is Gods work
I saw it rsthand on a build in Ameri-
cus, Georgia, many years ago, which
eventually led to my joining
the board of directors nearly
nine years ago and becom-
ing chair just two years ago
My own journey led methis year to make a legacy gi
of $100 million to Habitat for
Humanity International I
have since been told it is the largest gi from an
individual in the 33-year history of Habitat My
hope, though, is that my gi will inspire other
donors to match or exceed it in the future
I also hope Habitats mission will inspire ev-
eryone who reads this to do whatever they can
I have been involved in the housing
industry for almost 40 years, most recently
as the CEO of rammell Crow Residential,
one of the largest apartment builders in the
country, and as an advocate for aordable
housing I became acutely aware of the
scope of need for aordable
housing through my pro
bono work as chairman of a
neighborhood development
organization in AtlantaIn both my professional
life and as an advocate for
aordable housing, I have
seen how important it is for a family to have
decent shelter in a place with jobs nearby
where a sense of community ourishes
Perhaps because of my work for aordable
housing, it is unimaginable that anyone could
believe that children can be well-educated
and healthy without a roof over their heads
Yet research shows t hat health and educa-
From the chair: J. Ronald Terwilliger
Jon s on th jon:
Gng tm, ng n wth to
It is unimaginable that
anyone could believe that
children can be well-edu-cated and healthy without
a roof over their heads.
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tion get the most philanthropic dollars Part
of the work of Habitat is to connect the dots
between decent housing and a better lifeto
help people understand how hope grows
when the next generation has a good home
Te 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, sta and volunteersat 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
Te need is huge and growing Trough-
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 micronance that will let Habitat
reach many more people in the years and
decades to come More than 60,000 families
alone will be reached by just part of this gi
But decent, aordable housing needs
to reach more than 16 billion people Te
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 oftransformation
J Ronald erwilliger
Chair
Habitat for Humanity International
Board of directors
27
ffo hosng nsts n hop
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28
Tousands of people make heartfelt nancial
and personal contributions to help hope
grow Te 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 messageis consistent: Tose 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 om Gipson came
up with an idea in 2002 that keeps on
growing: the Home Builders Blitz Habitat for
Humanity decided to promote Gipsons HomeBuilders Blitz idea beyond North Carolina,
and two nationwide events in 2006 and 2008
extnng hop: a smpng of mstons n sts fom n
resulted in more than 700 new Habitat homes
in communities across the country In 2009,
Gipsons commitment to building aordable
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 Te View
for the winner Gipson and nine other nalists
won from a pool of nearly 2,000 nominees
in the online contest that attracted attentionacross the United States Gipson plans to
donate his $10,000 winnings to Habitat for
Humanity to further his and the organizations
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 Te artists spirit stayed
with her, but her heart belonged to helpingothers nd 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 aliate 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 signicant 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 nancial resources to
survivors of Hurricane Katrina With a $100
million gi, the Amir of Qatar, His Highness
Sheikh Hamad Bin Khalifa Al-Tani, 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 the2009 scal year, $323 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
gis 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
aect surrounding communities for years
The Salvation ArmyWith a shared mission of service to those in
need, Habitat for Humanity and Te Salva-
tion Army entered an ongoing partnership
to assist families devastated by hurricanes
Katrina and Rita immediately aer the
disasters Te 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 US Gulf Coast; and in-kindprogram and project support for volunteer
builders and homeowner partner families As
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two of the largest religious charitable organi-
zations in the United States, Habitat and Te
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 buildingmaterial distribution company called Bradco
Aer more than 40 years, Segal sold his con-
trolling interest in the company that he had
grown into a $19 billion business with 150
branches Segals approach to business, life
and now his foundation has been to focus on
preventing the root cause of any problem For
Segal, Habitat for Humanitys model for safe,
decent and aordable housing does just that
Tis year, the Segal family partnered with
Habitat for Humanity in Madagascar andKenya, helping to break the cycle of poverty
and homelessness for more than 250 families
living in urban slums or temporary shelter
Segals generous gi of $500,000 helps fund
urban redevelopment projects that include
water and sanitation for families in Habitat
homes and their surrounding communities
Segals involvement in Africa has inspired
other donors to expand their investment in
the most destitute parts of the continent
SubaruIncreasingly, 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 Internationals cor-
porate partners, Subaru generated nearly $1
million in the United States as unrestricted
funds for Habitats work Subaru donated
$250 for every new vehicle sold or leased
to one of ve charities, including Habitat
for Humanity, through its Share the Loveevent In addition to the funds raised, the
month-long event created awareness of Habi-
tats 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 Lees major goals
was to increase philanthropic gis 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 theres a
strong, logical connection between housing
and health, between housing and education,between housing and hopeyou want to do
what you can to help foster it, Van Lee added
Whirlpool
Tis year marks the 10th anniversary of
Whirlpool Corporations 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 Te partnership
focuses on product donations, volunteer labor
from employees and building awareness
of Habitats vital work In Europe, Habitatand 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 Te com-
pany has donated more than 100,000 ranges
and ENERGY SAR qualied refrigerators to
new Habitat homes built in North America,
and plans to support homes globally through
product donations, cash or volunteerism
29
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30
Six-year-old Dezika Rac stands with his fathers
hand on his head. Their home, in a Roma community
in Hodejov, Slovakia, has been rehabilitated with the
help of Habitat for H umanity Slovakia.
donos whos gfts tot$1 mon o mo n Fy2009
Akzo Noble Polymer Chemicals
Bank of America
Citi Foundation
Delta Air Lines
DeWalt
Dow Chemical Company
Estate of Edwin A. Kehr
Lowes
Nissan North America, Inc.
Pacic Gas & Electric Co.
People of Qatar
Ron Terwilliger
Schneider Electric
State Farm
Teammates for Kids
The Home Depot Foundation
The Salvation Army
Thrivent Financial for Lutherans
Tile Partners for Humanity
Valspar
Whirlpool
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Habitat for Humanity International, Inc
Years ended June 30, 2009 and 2008
31
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32
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) nonprot corporationsupported by people who believe in its work
Support comes in the form of contributions
from individuals (cash, stock gis, estate
gis 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
otal revenue in FY2009 was $2458
million otal cash contributions in FY2009
were $1718 million, $876 million of
a commtmnt to go stwshp
which were unrestricted cash donations
Government grants totaled $174 million in
FY2009 Also included in revenue is $457
million in donations-in-kind and $109
million in other income
Expense
Habitat for Humanity International classi-
es expense in three primary categories:
program expense, fundraising expense andmanagement/general expense Program
expense is further divided into three subcat-
egories: US aliates, international aliates,
and public awareness/education (advocacy)
otal expense amounted to $2671 million
Program expense
In FY2009, Habitat for Humanity
International spent a total of $2165 million
on program expense, representing 81 percent
of total expense Tese funds were used
for direct cash and gi-in-kind transfers to
aliates and national organizations around
the world for house construction and other
expenses Program expense included costs
for programs that directly benet aliates
and national organizations, such as youth
programs, disaster response, training
seminars and information materials Also
included is the cost of evaluating the work
of aliates and national organizations, along
with providing technical support
Included in international transfer ex-
pense is $148 million in tithe funds collected
from US aliates and used to support thework of aliates in other countries ithing
is a commitment set forth in covenants
signed by all Habitat for Humanity aliates
Aliates outside the United States also
tithed to support Habitat for Humanitys
work in other countries, oen making direct
contributions that are not reected in these
nancial statements
Habitats 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
$378 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 eorts in WesternEurope and other strategic markets
Many of HFHIs fundraising appeals
result in donations made directly to US and
international aliates or other national and
international organizations In such cases,
HFHI bears the fundraising expense but does
not reect the resulting donations as revenue
Management and general expense
For FY2009, management and general expense
totaled $128 million, representing 5 percent
of total expense Tis includes costs of stang
(other than program and fundraising sta),
utilities, building maintenance and other costs
from day-to-day operations of HFHI
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Jn 30
2009 2008
Assets
Csh n csh qnts $48,297,181 $55,362,660
instmnts t f 96,564,284 149,382,103
rcs 103,001,735 80,420,733
Oth ssts 14,991,480 16,304,431
$262,854,680 $301,469,927
Liabilities and net assets
Tot ts $59,837,340 $75,246,266
t ssts:
unstct 11,011,735 32,340,392
Tmpo stct 191,505,605 193,883,269
Pmnnt stct 500,000
Tot nt ssts 203,017,340 226,223,661
$262,854,680 $301,469,927
y en Jn 30
2009 Tot 2008 Tot
Revenues and gains
Conttons $171,787,684 $188,692,549
dontons-n-n 45,718,451 16,520,127
Gonmnt gnts 17,364,922 20,023,766
Oth ncom, nt 10,870,874 24,114,052
Tot ns n gns 245,741,931 249,401,167
Expenses
Pogm scs:
u.. fts 134,986,851 165,237,599
intnton fts 66,012,763 70,126,389
Pc wnss n cton 15,543,764 17,773,405
Tot pogm scs 216,543,378 253,137,393
ppotng scs:
Fnsng 37,768,754 38,303,524
Mngmnt n gn 12,809,294 13,468,231
Tot sppotng scs 50,578,048 51,771,755
Tot xpnss 267,121,426 304,909,148
losss on conttons c 1,826,826 911,287Tot xpnss n osss
on conttons c 268,948,252 305,820,435
Chng n nt ssts (23,206,321) (56,419,268)
t ssts t gnnng of 226,223,661 282,642,929
t ssts t n of $203,017,340 $226,223,661
Consolidated Statements of Activities and Changes in Net AssetsConsolidated Statements of Financial Position
Habitat for Humanity Internationals auditors, Ernst & Young, have expressed an unqualied
opinion on our June 30, 2009 consolidated nancial statements. Those nancial statements
include associated notes that are essential to understanding the information presented here-
in. The full set of statements and notes is available at Habitats Web site, www.habitat.org.
33
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34
Pogm - u.. fts $135 mon
Pogm - intnton fts $66 mon
Pogm - Pc wnss n occ $16 mon
Fnsng $38 mon
Mngmnt n gn $13 mon
50%
25%
6%
14%
5%
FY2009 Use of Funds
70%
19%
7%4%
Conttons $172 mon
Gfts-n-n $46 mon
Gonmnt gnts $17 mon
Oth ncom $11 mon
FY2009 Sources of Funds
Htt fo Hmnt intntont consot fnnc sttmnts
*on to th nst mon
Tot pogm xpns qs 81 pcnt.
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35
Te audited nancial statements of Habitat
for Humanity International reect onlypart of Habitats work around the world
As autonomous nonprot organizations,
Habitat for Humanity aliates and national
organizations keep their own records of
revenues and expenditures
o better demonstrate the magnitude
of the movement, HFHI annually compiles
combined (unaudited) nancial amounts for
Habitat for Humanity in total
Htt fo Hmnts nt comn fnncs
FY2008 Unaudited Combined Financials: Sources of Funds
Conttons n gnts $630 mon
s of homs $465 mon
Oth ncom $215 mon
Gfts-n-n $90 mon
FY2008 Unaudited Combined Financials: Use of Funds
Pogm $1 on
Mngmnt & gn $104 mon
Fnsng $101 mon
84%
8%
8%
*on to th nst mon
14 billionotal Revenue*
21 billionotal Net Assets*
*Te total impact of the entire Habitat
for Humanity mission for the scal
year that ended June 30, 2008
45%
33%
15%
7%
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36
Millard Fuller
1935-2009
God abruptly called Millard Fuller home
on Feb 3, 2009
Inspired by Clarence Jordans 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, GeorgiaFrom that beginning, Habitat for
Humanity has become a remarkable force in
the aordable housing movement worldwide
So how do we remember Millard Fuller?
Heres what Clive Raineydirector of com-
munity relations for Habitat for Humanity
International, with more than 30 years of
service to the organizationsuggests:
Weraiseourhammersalittlehigher;
webringthemdownalittleharderandalittlefaster.Webuildmorehouses.
Th fon n th ft
era MillTei
andysHivers
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37
Ofcers
Chair J. ron Twg ton mngng ptn, Tmm Cow rsnt atnt, Gog, unt tts
Vice Chairman Ton lngn Pojct n tchnoog constnt acn, w n
Vice Chairman kn kn bng contcto, stt op Ts, Ohom, unt tts
Secretary ezth Cossmn rt cto, copot conttons, n psnt, Whs Compn Fonton T, Ogon, unt tts
Treasurer T dosch no c psnt of go nnc, anxt intnton Gnw, inos, unt tts
Board members
a Gn cto, CeO (Coptc engc Ognzton fo oc cs) Co, egpt
achshop vcn azn achshop, docs of th amnn Chch of amc (estn); psnt, ton Conc of Chchs Wshngton, d.C., unt tts
kthn b (rt.) Chmn, psnt n chf xct ofc of tWos llC Mn, Mchgn, unt tts
ew bstn Psnt n chf nnc ofc, dt ans atnt, Gog, unt tts
Hn Csnos Ch, Ct vw n antono, Txs, unt tts
John Gt (rt.) Ch, Thnt Fnnc fo lthns Mnnpos, Mnnsot, unt tts
rn Go Psnt n chf xct ofc, atnt Hosng athot atnt, Gog, unt tts
M kzng Cn Fn coonto, Cnn Hgh Commsson ls, m
kn kssng exct c psnt n chf nfomton ofc, Td bn Fnnc Gop Toonto, Onto, Cn
Chnong Monthnchnch vc chnco, nt Johns unst bngo, Thn
angh Pt as, Wo vson intnton, inons Jt, inons
Jonthn rcfo Chf xct ofc, Htt fo Hmnt intnton atnt, Gog, unt tts (x-ofco)
e ch Fom gono gn of Cn Mnto, Cn
ax Psnt n fon, Omtx, inc. n Jos, Cost rc
J hnnon mth ecton constnt n fonng cto, insttt on bc lf n th Cnt fo afc n th dspo Tmp, Fo, unt tts
John tc no mnst, aton Mthost Chch aton, oth afc
e o Tsh P s nt n ch f xct o fc, l u .a.; d mpot i nt ncon .a. , d nos .a. C .v Gt m C t , Gtm
Gs G vghn dcto of th Ofc of Otch, u.. dptmnt of agct Cn John, Mn, u..a.
Htt fo Hmnt intnton o of ctos: Fy2009
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38
Htt fo Hmnt intnton sno shp Fy2009
Jonathan T.M. Reckford
Chf xct ofc
Mike Carscaddon
exct c psnt
International feld operations
Larry Gluth
vc psnt
U.S. feld operations;
Canada, Guam, Bermuda
Elizabeth Blake
no c psnt
Government Relations and
Advocacy; general counsel
Connie Steward
vc psnt
Human Resources, Learning and
Organizational Development
Chris Clarke
no c psnt
Marketing and
Communications
Steve Weir
vc psnt
Global Program
Development and Support
Mark Crozet
no c psnt
Resource Development
Richard Hathaway
vc psnt
Asia and Pacifc area
Ed Quibell
no c psnt
Administration
Chie fnancial ofcer
Gregory Foster
vc psnt
Arica and Middle East area
Audley Bell
vc psnt
Internal Audit
Don Haszczyn
vc psnt
Europe and Central Asia area
Torre Nelson
vc psnt
Latin America and
Caribbean area
Tom Jones
amsso of Htt
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Habitat for Humanity International
Operational headquarters121 Htt t.
amcs, Ga 31709 ua
Phon: (800) 422-4828
Habitat for Humanity International
Administrative headquarters270 Pcht t. W, t 1300
atnt, Ga 30303 ua
Phon: (404) 962-3400
Africa and the Middle East area ofceCts Pz, oth boc, 1085 chomn t.
Ht, Pto 0083, oth afc
Mng ss:
box 11179
Pto 0028, oth afc
Phon: +27-12-430-9200
Htt fo Hmnt intnton ofcs
Asia and the Pacic area ofceQ. Hos, 8th Foo
38 Connt ro
om
bng, bngo 10500, Thn
Phon: +66-2-632-0415
Europe and Central Asia area ofceocho 6-8
811 03 bts, o
Phon: +421-2-33-66-90-00
Latin America and the Caribbean area ofced Hot iz 300 ost 100 est, l uc
n Jos, Cost rc
Mng ss:
JO-2268
P.O. box 025331
Mm, Fl 33102-5331
Phon: +506-2296-8120
U.S. and Canada area ofce121 Htt t.
amcs, Ga 31709 ua
Phon: (800) 422-4828
HFHI Government Relations and Advocacy ofce1000 vmont a. W, t 1100
Wshngton, d.C. 20005 ua
Phon: (202) 628-9171
39
8/8/2019 H4H 2009 Annual Report In the United States
42/42
iTeraTiOal HeadQuarTer: 121 Htt t. amcs, Ga 31709-3498 ua
(229) 924-6935 (800) HabiTaT fx (229) 928-8811 [email protected] www.htt.og
7601/7M/CAS/12-09
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 micronance partnership with Habitat Lebanon. STEFFAN HACKER
Manythingsweneedcanwait.echildcannot.Now
isthetimehisbonesareformed,hisminddeveloped.
Tohimwecannotsaytomorrow,hisnameistoday.
GabrielaMistral,NobelPrize-winningpoetfromChile.
Th chn of to
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