Unbound

“An independent accounting firm prepares the 990. The 990 is then reviewed by the organization's president/ceo and accounting personnel. Any questions and concerns the organization's president/ceo and accounting personnel have are addressed and any corrections or clarifications that need to be made are made. The 990 is then provided to the full board for their review. Any questions and concerns of the board are addressed and corrections or clarifications are made prior to filing the 990.”

“All board members annually disclose their involvement with other organizations, communities, employment, staff, vendors or any other associations that might potentially produce a conflict, regardless of the likelihood of an actual conflict arising. New board nominees also complete a disclosure form. When the board is to decide an issue that presents an unavoidable conflict of interest for a member, the member with the conflict abstains from participation in both the deliberation and vote. All employees annually sign a receipt and acknowledgement of unbound's employee manual. The code of conduct which forbids a conflict or the appearance of a conflict between the employee's personal interests and those of unbound is part of that review. The employee's signature acknowledges their agreement to adhere to this code and to immediately disclose a suspected conflict of interest to a staff director, member of the human resources department or confidentially through unbound's independent reporting service.”

“The compensation of the president/ceo for june 2021-june 2022 was determined at the june 2021 governing board of directors meeting. Prior to this discussion, the president/ceo and the non-voting members of the board excused themselves from the board meeting. The voting members met with the director of human resources who provided them with the following information which they used to determine the compensation amount. Using companalyst, which is an independent compensation consultant subscription program, market data research was reviewed based on current market pay for similar positions. Our philosophy is to target the 25th to 50th percentile of the range where the job has been matched. It is also based on current market data within the profit and non-profit industries, containing up to 500 employees and matched on job responsibilities in the market place. The board considered other factors such as a comparison of compensation of executives from similar sponsorship organizations and a formal evaluation of job performance to determine the president/ceo's june 2021-june 2022 compensation. The voting members then approved the annual salary for the president/ceo. Substantiation of the decision of the board's determination was maintained by the director of human resources. The compensation of the other officers (treasurer and secretary) and all other employees were approved by their respective supervisor at unbound. It was based on both a written performance evaluation as well as the organization's compensation framework and planning system. Compensation change decisions are planned and documented in the adp workforce now compensation module.”

“Unbound's articles of incorporation, audited financial statements, by-laws and conflict of interest policy along with irs forms 1023, 990 and 990-t are available for inspection at our offices. Unbound's audited financial statements and irs forms 990 and 990-t are posted on our website (www.unbound.org). Printed copies are available upon request.”

“Unbound's mission is to walk with the poor and marginalized of the world. 1. WE PROVIDE PERSONAL ATTENTION AND DIRECT BENEFITS TO CHILDREN, YOUTH, AGING AND THEIR FAMILIES SO THEY MAY LIVE WITH DIGNITY, ACHIEVE THEIR DESIRED POTENTIAL AND PARTICIPATE FULLY IN SOCIETY. 2. WE INVITE PEOPLE OF GOODWILL TO LIVE IN DAILY SOLIDARITY WITH THE WORLD'S POOR THROUGH ONE-TO-ONE SPONSORSHIP. 3. WE BUILD COMMUNITY BY FOSTERING RELATIONSHIPS OF MUTUAL RESPECT, UNDERSTANDING AND SUPPORT THAT ARE CULTURALLY DIVERSE, EMPOWERING AND WITHOUT RELIGIOUS OR OTHER PREJUDICE. GROUNDED IN THE GOSPEL CALL TO SERVE THE POOR, UNBOUND IS A LAY CATHOLIC ORGANIZATION WORKING WITH PERSONS OF ALL FAITH TRADITIONS TO CREATE A WORLDWIDE COMMUNITY OF COMPASSION AND SERVICE.”

“While the COVID-19 pandemic continued to disrupt the lives of individuals and societies across the globe in 2021, the impact on Unbound programs and the families served in 19 countries depended heavily on local situations, as the organization persisted with distributing cash benefits without interruption. Cash transfers give families a lifeline Individuals and families participating in the Unbound sponsorship program have flexibility to use their benefits for what they need most. About 94% receive assistance through cash transfers, which have been a lifeline during the pandemic. Food vendors, drivers, day laborers and others earning their living in the informal economy saw their jobs significantly affected. Many used sponsorship benefits to help keep their families afloat until they could find or resume work. In the early months of the pandemic, food insecurity was an emerging crisis impacting families, and many reported using funds to buy food. Some started or adapted a small business. In addition to sponsorship assistance, Unbound sent $5.5 million to the field specifically to help families in dire need because of the pandemic. The funds were raised from sponsor donations for critical needs. Technology gaps impact students With the disruption of in-person learning, disparities in access to technology made it difficult for students to stay engaged and motivated. However, Unbound has evidence from Guatemala, the Philippines and India that there has not been an increase in dropout rates among sponsored members. In Ecuador, 79% of sponsored students in high school and university continued with their studies through 2021, while 96% of the students who were not enrolled reported that they had plans to return to school, with 76% planning to return within three months of the evaluation. Unbound programs reported that digital learning has been a major challenge, and some were doing more in-depth surveys to better understand obstacles faced by students. In some cases, students had the option to use additional assistance from Unbound to purchase tools they needed to continue studying, such as laptops or internet access. COVID-19 also impacted the Unbound Scholarship Program. Students continued to receive scholarship support, however, and were encouraged to use funds for technological needs related to schooling. The required community service component was adapted to allow for completion of requirements remotely. Many scholars focused on COVID-19 prevention initiatives in the community, while some continued with tutoring assistance and programing to sponsored members using virtual methods. Local teams stay connected to families In-person interactions between Unbound staff and families were disrupted, including home visits by social workers, community gatherings, mothers group meetings and other activities. Local Unbound teams, however, stayed connected with families by communicating with group leaders and members who had access to technology. Local teams focused on COVID prevention strategies and used cell phones, free messaging apps, social media platforms, radio broadcasts and other means to pass along important health and safety information. Letters go digital One of the core tenets of Unbound is building relationships of mutual respect. While relationships between sponsors and their sponsored friends have always formed across distances, mainly through correspondence, the pandemic created barriers to normal letter-writing processes. Before the pandemic, handwritten letters from sponsored children, youth and elders to their sponsors were typically collected by mothers group members or social workers and delivered to the local Unbound office. Pandemic lockdowns prompted families and staff to get creative so correspondence could resume. Despite significant gaps in access to technology, families managed to send letters to Unbound staff through email, text, free messaging apps, or land lines of family members and neighbors. Letters were s”

“Total grants for the sponsorship program were 113.1 million in 2021. At the end of 2021, a total of 280,800 individuals in Latin America, Asia and Africa were sponsored through Unbound. They included 250,096 children and youth, 30,480 elders and 224 candidates studying for the priesthood or religious life. Following are examples of achievements in the sponsorship program, as sponsored individuals and their families partnered with Unbound to identify the specific challenges they must overcome, set their own goals and formulate plans to achieve them. Unbound's sponsorship program connects sponsored individuals and their families with sponsors and supportive local communities of staff members and other families. Through sponsorship, individuals and families have resources and a solid support network to begin to chart their paths out of poverty. In 2021, Unbound had programs in 19 countries including Bolivia, Chile, Colombia, Costa Rica, the Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, India, Kenya, Madagascar, Mexico, Nicaragua, Peru, the Philippines, Rwanda, Tanzania and Uganda. Sponsorship connects people across geographic, economic and social boundaries. It enables the development of relationships based on listening, encouragement and mutual respect. Sponsors - through their monthly financial contributions and correspondence they receive from their sponsored friends - can experience a sense of connection with someone in another part of the world and satisfaction knowing they are helping another human being reach their potential. Sponsors can also write their sponsored friends to offer encouragement and build rewarding relationships. Unbound had 231,844 sponsors from the U.S. and around the world at the end of 2021. Sponsored individuals and their families partner with Unbound to make program and benefit decisions that help them meet their basic needs and develop their potential over the course of their time in the program, which can be up to 18 years or more. Sponsored individuals and their families use financial assistance to help meet needs such as education, nutrition, housing improvements, transportation and health care. They also have access to leadership and economic development opportunities related to financial literacy, skill development and income generation. Because of COVID-19, many programs saw families shifting their resources to basic needs, such as food, rather than their planned goals. The flexibility of the program and Unbound's cash transfer system of benefit delivery allowed families to use the funds to meet their specific needs. Sponsorship requires active participation from families as the program is highly personalized. With support from social workers and other local Unbound staff, families take a central role in shaping the sponsorship program and forming support networks to encourage each other and hold each other accountable. Small support groups of parents and guardians, mostly made up of mothers, are key to the sponsorship program's success. Mothers are the primary leaders in Unbound. They know best when it comes to meeting their children's needs, and Unbound listens to them and learns from them. Mothers of sponsored children join small support groups and often become leaders by serving their communities and planning program activities. Mothers participating in Unbound have taken advantage of micro-savings and credit opportunities to meet urgent family needs or start or boost small businesses to generate income. Parents have also formed cooperatives to meet community needs and provide income for members. Outcomes of sponsorship vary but typically relate to education, leadership development, improved health and nutrition status, dignified housing, skill development and increased income through livelihood opportunities for families. Monitoring program success Monitoring and evaluation of programs Unbound is committed to learning from experience and ensuring that efforts make a posit”

“Monitoring activities and evaluation methods unbound conducts financial and program audits of projects on a regular basis to ensure that financial resources provide intended benefits and services, and sponsored members are empowered to direct their own development. In 2021, all local program teams continued to receive regular, virtual support from headquarters through calls, emails, meetings and virtual conferences. Of unbound's 34 program sites, 33 participated in at least one virtual event in 2021 with 32 sites participating in two or more. In addition, the organization performs quality checks on letters and photos from sponsored friends to their sponsors, and monitors member retirement rates and sponsor retention rates. Unbound collects educational attendance and performance data and documents the final education level achieved by sponsored members leaving the program. Unbound projects around the world conduct evaluations in their local contexts to determine outcomes for sponsored members and their families. Methods include surveys of sponsored members on income and skill development, focus groups on attitudes and behavioral changes, and interviews to document empowerment. Organization-wide program evaluations focus on four key domains: education, economic status, community participation and empowerment. Empowerment refers to one's ability to make decisions for oneself and act freely in a way that is intentional and goal oriented. In 2021, unbound engaged with the canopy lab, a consultancy firm, to conduct an external evaluation to better understand if the unbound program helps sponsored families exit economic poverty. The canopy lab designed a questionnaire that was administered in five program sites around the world. The canopy lab's analysis showed positive results in four of the five sites regarding a decrease in poverty over length of time of participation in the program. The fifth site yielded more complex results indicating increased perceptions of resilience in households with longer participation in the program; however, further analysis will be needed to better understand the overall economic impact on families. Also in 2021, unbound initiated a program, unbound's goal orientation powered by poverty stoplight, which will allow for participating families to define poverty and then measure their own progress as they set and work toward goals to exit poverty. Fourteen unbound program sites completed orientation on this methodology in 2021, with four program sites completing pilots of the methodology including more than 800 families. In 2022, 12 additional program sites will complete orientation. Examples of program success cash transfers with the introduction and adoption of individual bank account models, the vast majority of sponsored members now have more direct access to their personal benefits. While a major concern surrounding cash transfer programs has been misuse of funds, unbound seeks to answer these concerns by conducting evaluations that focus on the purchasing behavior of the families participating in the sponsorship program. In 2021, 59 local-level evaluations were conducted, with many focused on continued needs to adapt the program to the ongoing global pandemic. A need that has emerged in evaluation results from india, ecuador, and mexico is sufficient technology. In times of disaster, when physical connection becomes the most challenging, virtual connection to others is crucial for receiving necessary services. Although most families have at least access to a cell phone, this is insufficient to meet their needs, thanks to these evaluation results, local program sites have been able to adapt their programs with a focus on supporting families in meeting their technological needs. Education sponsorship helps children achieve a level of education that prepares them to compete with peers for jobs and be responsible community members, parents and leaders. At a global level, when they left the program, 75%”

“FAMILIES SPONSORSHIP IMPACTS THE SPONSORED CHILD AND THE ENTIRE FAMILY. UNBOUND'S DIRECT WORK THROUGH A PERSONALIZED BENEFIT MODEL AND PARENT GROUPS MEANS FAMILIES CAN BEST ALLOCATE RESOURCES FOR THEIR CHILDREN AND DIRECT HOW THE PROGRAM SUPPORTS THEIR DEVELOPMENT AS FAMILIES. MOST SPONSORED CHILDREN HAVE REPRESENTATION IN THE PROGRAM THROUGH SMALL PARENT/GUARDIAN GROUPS. THESE GROUPS PROVIDE THE SPACE FOR FAMILIES TO HAVE A VOICE IN THE PROGRAM AND BE PART OF A SUPPORTIVE COMMUNITY, ADDRESSING TWO SIGNIFICANT COMPONENTS OF POVERTY: LACK OF CHOICES AND ISOLATION. IN 2021, ENTREPRENEURSHIP GRANTS WERE AWARDED TO ENTREPRENEURIAL SPONSORED FAMILY MEMBERS IN LATIN AMERICA. RESULTS FROM THESE EVALUATIONS SHOWED ENTREPRENEURS EXPERIENCED A WIDE RANGE OF POSITIVE RESULTS FROM REDUCED PRODUCTION TIME, IMPROVEMENTS IN GENERAL BUSINESS PRACTICES AND THE ABILITY TO REACH NEW CLIENTS THROUGH VIRTUAL PLATFORMS. ENTREPRENEURS WHO RECEIVED THE SUPPORT ALSO REPORTED ATTITUDINAL CHANGES SUCH AS AN INCREASE IN GOAL ORIENTATION, SELF-ESTEEM AND PERSONAL SATISFACTION. IN 2021, $291,000 IN AGENTS OF CHANGE GRANTS WERE AWARDED TO GROUPS OF SPONSORED FAMILIES TO SUPPORT COMMUNITY IMPROVEMENT PROJECTS. BEYOND THE BENEFITS THE COMMUNITIES RECEIVED FROM THE COMPLETED PROJECTS, PARTICIPATING GROUP MEMBERS EXPERIENCED AN INCREASE IN PSYCHOLOGICAL ASSETS OF AGENCY. THERE IS A SIGNIFICANT INCREASE FELT IN COMMUNITY INCLUSION AFTER THE COMPLETION OF PROJECTS. PARTICIPANTS ALSO HAVE SIGNIFICANTLY MORE INTERACTION WITH PEOPLE FROM OTHER SOCIAL GROUPS AND SIGNIFICANTLY FEWER PERCEIVED RESTRICTIONS TO SOCIALIZATION THAN PEOPLE WHO DID NOT PARTICIPATE IN THE AGENTS OF CHANGE GRANTS. IN 2019, A LOCAL EVALUATION IN KISUMU, KENYA, FOCUSED ON UNDERSTANDING THE FACTORS THAT WERE STOPPING THE MEMBERS OF THE PARENT GROUPS FROM TAKING LOANS FROM THEIR GROUP'S COOPERATIVE CALLED BORNEKA SACCO (SAVINGS AND CREDIT COOPERATIVE). THEY FOUND OUT THAT 54% OF THE RESPONDENTS HAD NEVER TAKEN A LOAN FROM THE SACCO, MOSTLY BECAUSE THEY FELT LIKE THE REGULATION THAT QUALIFIES THE MEMBERS FOR LARGER LOANS LIMITED THEM IN TERMS OF WHEN AND HOW MUCH THEY COULD WITHDRAW FOR A LOAN. THE TEAM AND THE SACCO MEMBERS ARE REVIEWING AS WELL AS EDUCATING THE MEMBERS ON THE GUIDELINES AND REGULATIONS OF THE LOANING PROCESS TO HELP MORE MEMBERs IN NEED. MOTHERS AND GUARDIANS IN UNBOUND REPORTED FEELING THEY ARE HAVING A GREATER IMPACT ON THEIR COMMUNITIES. THIRTY PERCENT OF UNBOUND MOTHERS SAID THEY WERE INVOLVED IN MAKING DECISIONS WITHIN THEIR COMMUNITIES COMPARED TO 16% OF MOTHERS IN THE COMPARISON GROUP. EVALUATION RESULTS SHOWED HOW MORE WOMEN IN UNBOUND ARE TAKING ECONOMIC RISKS STARTING SMALL BUSINESSES TO ENACT CHANGE. MORE WOMEN IN THE UNBOUND PROGRAM HAVE THEIR OWN BUSINESSES, AND FEWER WOMEN IN THE PROGRAM ARE UNEMPLOYED THAN MOTHERS IN THE COMPARISON GROUP. MORE MOTHERS IN UNBOUND ALSO REPORTED HAVING COMPLETE CHOICE IN DECIDING OR CHANGING THEIR OCCUPATIONS. THIS EVALUATION WAS A FOLLOW-UP TO A 2013 GLOBAL EVALUATION ON THE SAME TOPIC. THE 2017 STUDY REVEALED THAT 9% OF MOTHERS OF SPONSORED CHILDREN BELIEVED THEY HAD THE POWER TO CHANGE THEIR FAMILY'S SITUATION, AND 63% REPORTED THEY WERE ACTIVE IN SOLVING PROBLEMS IN THEIR COMMUNITIES, AMONG OTHER FINDINGS ON PARTICIPATION AND EMPOWERMENT INDICATORS. IN 2022, UNBOUND WILL CONCLUDE A SIX-YEAR LONGITUDINAL DATA COLLECTION ON ECONOMIC OUTCOMES FOR SPONSORED MEMBERS AND THEIR FAMILIES. THE STUDY'S CONCLUSION WAS POSTPONED DUE TO THE PANDEMIC. THE EVALUATION INCLUDES BOTH QUANTITATIVE AND QUALITATIVE DATA AND FOLLOWS FAMILIES FROM THE TIME THEY BEGAN IN THE PROGRAM. Elders Elders in communities where Unbound works face challenges related to health, access to care and medicine, and loneliness. Unbound seeks to overcome these challenges through monthly benefits such as food assistance, help with health and medical expenses, home visits and group activities. In 2018, an evaluation was conducted to measure Unbound's impact with elders in re”

“THE FOLLOWING ARE EXAMPLES OF ACHIEVEMENTS IN THE UNBOUND SCHOLARSHIP PROGRAM. THE UNBOUND SCHOLARSHIP PROGRAM ASSISTS STUDENTS WHO ARE PURSUING SECONDARY, POST-SECONDARY AND VOCATIONAL EDUCATION AND STRUGGLING TO CONTINUE BECAUSE OF ECONOMIC CIRCUMSTANCES. ALONG WITH ACADEMICS, THE PROGRAM FOCUSES ON SERVICE TO THE COMMUNITY AND LEADERSHIP DEVELOPMENT. IT INCLUDES A SELECTION PROCESS FOR APPLICANTS THAT RECOGNIZES STUDENTS WITH A PARTICIPATORY ATTITUDE, PERSEVERANCE, COMMITMENT TO SERVICE AND A DESIRE TO BE LEADERS IN THEIR COMMUNITIES. WHILE EDUCATION REDUCES POVERTY, THE COST CAN BE PROHIBITIVE. MANY STUDENTS MUST CHOOSE BETWEEN PAYING FOR SCHOOL AND USING INCOME THEY EARN FROM PART-TIME OR FULL-TIME WORK TO PROVIDE MUCH-NEEDED INCOME for their FAMILIES. THIS LEADS TO HIGHER DROPOUT RATES AT EACH LEVEL OF SCHOOL. UNBOUND SCHOLARSHIPS MAKE AN EDUCATION THAT WAS ONCE OUT OF REACH ACCESSIBLE. SCHOLARSHIPS HELP STUDENTS IN COMMUNITIES AROUND THE WORLD ACHIEVE THEIR EDUCATIONAL GOALS, FOLLOW THEIR CHOSEN CAREER PATHS AND BE OF SERVICE TO THE LARGER COMMUNITY. IN 2021, SCHOLARSHIP GRANTS TO UNBOUND FIELD OFFICES TOTALED MORE THAN $3.3 MILLION. SCHOLARSHIPS WERE AWARDED TO 8,586 STUDENTS IN BOLIVIA, CHILE, COLOMBIA, COSTA RICA, THE DOMINICAN REPUBLIC, ECUADOR, EL SALVADOR, GUATEMALA, HONDURAS, INDIA, KENYA, MEXICO, PERU, THE PHILIPPINES, TANZANIA AND UGANDA. SCHOLARSHIPS HELP WITH TUITION AND OTHER SCHOOL FEES, INTERNET ACCESS, COMPUTER NEEDS, TRANSPORTATION, BOOKS, SUPPLIES AND MORE. STUDENTS CONTRIBUTE WHAT THEY CAN TOWARD THEIR EDUCATIONAL COSTS, AS UNBOUND SCHOLARSHIPS ARE INTENDED AS SUPPLEMENTAL ASSISTANCE. MANY SCHOLARS ARE UNBOUND SPONSORED YOUTH WHO NEED FINANCIAL HELP IN ADDITION TO SPONSORSHIP SUPPORT TO COMPLETE THEIR EDUCATIONS. IN 2021, 54% OF SCHOLARSHIP STUDENTS WERE ALSO SPONSORED. QUALIFIED NON-SPONSORED STUDENTS ARE ELIGIBLE FOR SCHOLARSHIPS AND REPRESENT 46% OF THOSE RECEIVING AWARDS. UNBOUND SCHOLARS PARTICIPATE IN COMMUNITY SERVICE AS A REQUIREMENT OF THE PROGRAM. SCHOLARS TUTOR CHILDREN, TEACH LITERACY AND HEALTH WORKSHOPS, PLAN ACTIVITIES FOR ELDERS, HELP WITH CORRESPONDENCE BETWEEN SPONSORED CHILDREN AND THEIR SPONSORS, PROVIDE TECHNOLOGY EXPERTISE, AND PERFORM OFFICE WORK OR OTHER TASKS RELATED TO THEIR FIELDS OF STUDY. THE COVID-19 PANDEMIC HAS CONTINUED TO DISRUPT IN-PERSON LEARNING AROUND THE GLOBE. AS A RESULT, SCHOLARSHIP STUDENTS WERE ENCOURAGED TO USE FUNDS FOR TECHNOLOGICAL NEEDS. THE REQUIRED SERVICE COMPONENT WAS ALSO ADAPTED TO ALLOW FOR DISTANCE COMPLETION. MANY SCHOLARS HAVE FOCUSED ON COMMUNITY COVID-19 PREVENTION INITIATIVES, WHILE SOME CONTINUED WITH TUTORING ASSISTANCE AND PROGRAMING TO SPONSORED MEMBERS USING VIRTUAL METHODS. A NUMBER OF FORMER SCHOLARS HAVE JOINED UNBOUND AS STAFF MEMBERS AFTER THEY GRADUATED. THEY BRING TO THEIR WORK A WEALTH OF KNOWLEDGE AND A SPECIAL PERSPECTIVE ON THE PROGRAM AND THEIR COMMUNITIES. IN ADDITION, IT HAS BEEN NOTED THAT SOME FORMER SCHOLARS, BECAUSE OF THEIR EXPERIENCES IN THE SCHOLARSHIP PROGRAM, HAVE BEEN INSPIRED TO CHOOSE CAREER PATHS THAT CONTRIBUTE TO THE SOCIAL AND ECONOMIC DEVELOPMENT OF THEIR COMMUNITIES (OR RATHER ARE SERVICE-ORIENTED), CAREERS SUCH AS THOSE IN THE FIELDS OF SOCIAL WORK, PSYCHOLOGY, EDUCATION, HEALTH CARE AND WORKING WITH NONPROFIT ORGANIZATIONS. MONITORING PROGRAM SUCCESS SCHOLARS ARE REQUIRED TO MAINTAIN GOOD GRADES IN ADDITION TO FULFILLING SERVICE REQUIREMENTS. LOCAL UNBOUND TEAMS MONITOR STUDENTS TO MAKE SURE THEY ARE MEETING PROGRAM REQUIREMENTS. THEY ALSO PROVIDE ANNUAL REPORTS ON THE SCHOLARSHIP PROGRAMS IN THEIR AREAS. EXAMPLES OF PROGRAM SUCCESS AT VARIOUS LOCATIONS AROUND THE WORLD, COMMUNITY-LEVEL EVALUATIONS ARE ONGOING AND BEING LED BY PROGRAM STAFFS IN EACH COUNTRY. THE PRIMARY PURPOSE OF EVALUATIONS AT THE LOCAL LEVEL IS TO ENSURE CONTINUOUS PROGRAM IMPROVEMENTS AND ADAPTATIONS TO THE EVER-CHANGING ENVIRONMENT. IN 2021, 59 LOCAL-LEVEL EVALUATIONS WERE CONDUCTED, INCLUDING THE FOLLOWING THREE EXAMPLES. IN BOLIV”

“The most significant, long-term outcomes of the Unbound program were overwhelmingly real and intangible. Housing and health, education and work were all present in the lives of Unbound alumni, yet the core of the impact remaining for formerly sponsored members lies in a moral, character-centered, reflective and goal-oriented worldview. This intangible core appears to offer a foundation for the alumni to continue to build their own tangible ripples in providing for their families and assisting community members. One benefit of the ripple-effect-mapping method over separate evaluations of each outcome domain is that it more clearly demonstrates links between physical and psycho-social-spiritual development. This makes an excellent case for the personalized attention, program activities and relationships that complement tangible sponsorship benefits. These components can also be called benefits. "The beauty is that each family can choose what is needed in each moment," said one participant in Guatemala. Each individual tells a different story, but all are united in their experience with Unbound. So, while these experiences do cause us to recognize the significant influences of external factors in the lives of individuals, they also emphasize the remarkable flexibility of the Unbound program. It has the potential to contribute to an individual's path out of poverty in ways unlike a standard aid-distribution or community-based development approach.”

“Change in uninsured annuity obligations $ 18,523”