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One of the things I love about this time of year is the spirit of giving.

The desire to care and provide for others, even when you don’t know them personally. There are toy drives for needy children. Care packages for our troops overseas. The ubiquitous red kettle and bell advertising the Salvation Army’s fundraising efforts.

These are all wonderful things, efforts that are truly making a difference. Yet it is not enough. What about the other 11 months of the year? What about those who seek to make better lives for themselves yet have literally zero resources to do so?

The Numbers Whisperer™ embraces a double bottom line for 2012

The Other Bottom Line

Everyone has heard of the bottom line – the profits that your business earns. In fact “What’s the bottom line?” has become a catch phrase used in everyday situations that don’t even involve business.

There is another bottom line, the lesser known younger sibling to The Bottom Line. It’s one that reflects a company’s impact on social and environmental issues. You might call it the Tree Huggers Ledger(yes I just made that one up!). It provides accountability for the company against its stated social goals.

Opportunity is not equally distributed

Having lived and traveled throughout the world, I have seen poverty up close. I know that children born into these conditions have little hope to improve their lives, unless someone offers them a hand up.

For Small Business Finance Forum, I have set the second bottom line goal to provide the opportunities to others that I often take for granted. This isn’t just for the holidays, it is a permanent commitment to helping others help themselves.


Kiva is a non-profit organization with a mission to connect people through lending to alleviate poverty. Leveraging the internet and a worldwide network of microfinance institutions, Kiva lets individuals lend as little as $25 to help create opportunity around the world.

I have formally committed to Kiva to donate $2 for every hour of coaching services purchased. That is revenues, not profit, so $2 comes right off the top. Every time you hire me, you are also helping someone else.

In addition, for every copy of my forthcoming book sold (How to be a Finance Rock Star), $1 will be donated to for funding microloans. The donation will be made for both physical copies of the book purchased as well as the electronic version that will be available for Kindle.

Interested in getting directly involved? Visit today and make it happen.

Nicole Fende, A.S.A.
The Numbers Whisperer™
President, Small Business Finance Forum

P.S. Just call me the happy tree hugger capitalist!

Kiva Business Sponsor

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