h4h 2009 annual report in the united states

8/8/2019 H4H 2009 Annual Report In the United States

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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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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

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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

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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.

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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

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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.

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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

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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

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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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TeFFa HaCker

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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TeFFa HaCker

Chapter 4


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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.

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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


28/42

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.

era MillTei


29/42

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


31/42

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

xton of gng


32/42

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

era MillTei


33/42

Habitat for Humanity International, Inc

Years ended June 30, 2009 and 2008

31

era MillTei


34/42

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


35/42

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


36/42

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.


37/42

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%


38/42

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


39/42

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


40/42

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


41/42


Operational headquarters121 Htt t.

amcs, Ga 31709 ua

Phon: (800) 422-4828

em: [email protected]


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


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

h4h 2009 annual report in the united states

Documents