Five Talents USA

The information on this page was last updated 3/27/2024. If you see errors or omissions, please email: [email protected]


Five Talents is a micro-enterprise development organization that helps the world's most vulnerable families escape poverty. Partnering with local churches around the world, we train men and women, mostly women living in extreme poverty, to form savings groups, take out loans, and build their own businesses.

It may seem surprising, but even those living in extreme poverty can save a little each week, start a tiny business, and fulfill their God-given potential. Because most of the participants use their earnings for their children, the result is healthier families, strong and sustainable communities, and vibrant and growing churches.

As a Five Talents entrepreneur grows her business, she increases her children's access to healthier protein-rich meals, clean water, education, healthcare, and, ultimately, a sustainable community in which to grow up. But that's not all. Five Talents offers its entrepreneurs the consistent spiritual support necessary for transformed lives. Each entrepreneur learns about God's love, intention, and desire to transform her and her community

Five Talents is inspired by the biblical Parable of the Talents and the call of Jesus to minister good news to the poor.

Contact information

Mailing address:
Five Talents USA
PO Box 331
Vienna, VA 22183


Phone: 703-227-7166

Email: [email protected]

Organization details

EIN: 541940918

CEO/President: Elizabeth Ha

Chairman: Kimberly McClure Pacala

Board size: 17


Ruling year: 1999

Tax deductible: Yes

Fiscal year end: 12/31

Member of ECFA: Yes

Member of ECFA since: 2006


Five Talents' vision is to eradicate extreme poverty by restoring human dignity and creating strong, sustainable communities.

Mission statement

Transforming lives through economic empowerment.

Statement of faith

Donor confidence score

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Transparency grade


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Financial efficiency ratings

Sector: Foreign Missions

CategoryRatingOverall rankSector rank
Overall efficiency rating985 of 1110129 of 146
Fund acquisition rating1079 of 1111140 of 146
Resource allocation rating1023 of 1111137 of 146
Asset utilization rating435 of 111051 of 146

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Balance sheet
Receivables, inventories, prepaids$359,053$400,598$229,561$156,679$55,725
Short-term investments$110,613$140,298$139,588$132,307$0
Other current assets$0$0$0$0$0
Total current assets$699,745$798,322$413,144$396,358$246,354
Long-term investments$0$0$0$0$0
Fixed assets$655$898$550$761$3,536
Other long-term assets$0$0$0$0$0
Total long-term assets$655$898$550$761$3,536
Total assets$700,400$799,220$413,694$397,119$249,890
Payables and accrued expenses$12,403$21,707$7,510$73,677$38,098
Other current liabilities$0$0$0$0$0
Total current liabilities$12,403$21,707$7,510$73,677$38,098
Due to (from) affiliates$0$0$0$0$0
Other long-term liabilities$0$0$0$0$20,000
Total long-term liabilities$0$0$7,000$0$20,000
Total liabilities$12,403$21,707$14,510$73,677$58,098
Net assets20222021202020192018
Without donor restrictions$525,006$443,323$159,850$131,256$37,525
With donor restrictions$162,991$334,190$239,334$192,186$154,267
Net assets$687,997$777,513$399,184$323,442$191,792
Revenues and expenses
Total contributions$1,135,095$1,244,357$1,071,633$989,267$868,355
Program service revenue$0$0$0$0$0
Membership dues$0$0$0$0$0
Investment income$7,015$14,061$10,042$7,538$8,397
Other revenue$0$0$0$0$247
Total other revenue$7,015$14,061$10,042$7,538$8,644
Total revenue$1,142,110$1,258,418$1,081,675$996,805$876,999
Program services$863,991$753,957$700,270$674,336$671,657
Management and general$110,765$104,213$87,406$90,726$60,376
Total expenses$1,194,985$1,034,424$933,349$900,117$865,078
Change in net assets20222021202020192018
Surplus (deficit)($52,875)$223,994$148,326$96,688$11,921
Other changes in net assets$0$0$0$0$0
Total change in net assets($52,875)$223,994$148,326$96,688$11,921


Dale Stanton-HoyleCEO$106,370

Compensation data as of: 12/31/2022

Response from ministry

No response has been provided by this ministry.

The information below was provided to MinistryWatch by the ministry itself. It was last updated 3/27/2024. To update the information below, please email: [email protected]


Five Talents is a a micro-enterprise development organization that helps families living in extreme poverty to save, invest, and develop small businesses.

Five Talents began in 1998 as a means for churches to respond wisely to the realities of global poverty through transformational development. Five Talents was established based on the call of Jesus to minister good news to the poor and the biblical Parable of the Talents (which teaches that we should all work to multiply the resources we are given). Born at the Lambeth Conference, the Archbishop of Canterbury became Five Talents' first advocate and supporter. Encouraged by church leaders from around the world, the founders worked to guard the dignity of the poor while assisting them to create jobs and opportunities to lift themselves out of poverty.

Our first programs began as a novel initiative in 2000 in the Philippines. Our focus was on the formation of savings and loans groups and training for microenterprise development. Through patient investment and working to build the capacity of local partners, Five Talents' impact has multiplied across the country.

As programs have graduated and become self-sustaining and replicating, Five Talents has expanded to pioneer work in countries in Africa, Asia and South America. In 2006, Five Talents UK was established, helping to catalyze growth of developing programs in Kenya, Tanzania, and Uganda. The Kenya program itself became a model for financial inclusion across Africa, helping poor families save over $2.5 million and build businesses with over 99% repayment on loans. In 2016, Five Talents Kenya was officially established.

Today, thousands of churches around the world host and support our programs. Five Talents continues to serve communities in some of the most risky, remote, and rural areas in the world - places not served by banks or commercial microfinance agencies. Our work has inspired churches of all denominations, as well individuals and organizations of all religious and non-religious backgrounds, to join with us in fighting poverty and empowering the poor. Our US office is headquartered in Falls Church, Virginia, outside Washington, D.C.

Since its inception, Five Talents has worked to build the capacity of indigenous organizations in 21 countries, providing business skills training, spiritual formation, and access to financial services to over 235,000 individuals. Currently, Five Talents USA is engaged on three continents funding and implementing programs in the deltas of Myanmar, the mountains of Bolivia, and across Eastern Africa.

Through our programs, members and their families have access to savings and loan associations and community banks that have provided over half a million loans to develop their micro-enterprises. Five Talents, through the businesses supported by these loans, has had the opportunity to provide jobs and opportunities that have impacted over 1 million beneficiaries.

Program accomplishments