Since I will not be able to be at home in Colorado this year for Christmas, I decided that giving a gift that will benefit a whole family in need is the best way of celebrating family.    I decided to buy a Yak for a family  in need (detailed below) through the Pentok Institute from the Staffords, Andersons and Hills.
Lhapal and his family are nomadic herders, living on grassland quite a long way from any major towns.  Lhapal is 30 years old and he and his wife have two children, a  preschool boy and a school-aged girl. The girl is not attending school  because the family cannot cover the expenses and the school is so far  away.  Additionally, the girl has to help with household chores because  the mother is always sick with an undiagnosed illness. The family has no  money to send her to a hospital. Lhapal  and his wife started their herd with 5 yaks from Lhapal’s parents. Over  the last 10 years he and his wife have worked really hard and have  raised 15 more yaks.  Lhapal also helps other families to graze their  yaks and sheep for additional income of around 1,000—2000 RMB a year.  His wife makes around 500—1,000 RMB a year from selling surplus butter  and cheese. They now have enough money to buy food and clothes but no  surplus to save for their children’s education or pay for medical help  for his wife. Their primary desire is to have enough money to raise some  more yaks and be able to send their two children to school.
Pentok  means “to benefit and positively impact others.” The Pentok Institute,  founded in 2007, is a not-for-profit, grass-roots initiative based in  Qinghai Province. It aims to empower women from rural areas to take the  lead in improving the quality of life in their communities. Projects  include education, women’s leadership development, cultural preservation  and community development. To date, 100% of the money Pentok has  received has gone directly to projects benefiting local communities.
How does the yak-loan system work? 
Pentok  formed the Yak Loan Project Committee consisting of a local highly  respected Lama named Samdan, the village leader Darbum, and a respected  elder man named Uncle Drolby. Fifty low- income families from the Mukbo  region were identified using the criteria of the number of livestock  they own, additional caterpillar fungus income resource potential, the  amount of debt they have as well as the number of school-aged children  in each family. (Caterpillar fungus grows in the ground and is widely used as a traditional Chinese medicine)
The  poorest six of these families were identified and interviewed. These  are families who are barely able to meet their basic needs, let alone  repay debts or educate their children. The Pentok Yak Loan Project  Committee aims to provide 10 milking yaks for each family. The families  can keep their loaned yaks for five years during which time the families  will keep all by-products, such as off-spring, milk, meat, wool, butter  and cheese. Most of this will be sold to generate cash income; some  will be kept for their own families’ use. They  will repay half of their loan in Year 3 (5 yaks or equivalent funds) and  the other half of the loan in Year 5 (5 yaks or equivalent funds). By  Year 3 of the project The Yak-Loan Project Committee will therefore be  able to distribute milking yaks to another very poor household in the  village so the project can be self-sustaining.
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