Capital Deployed
¥277.5M
From ¥150M — capital that keeps working
Impact & Giving
Every grant tells a story. Every repayment starts a new one.
Your charitable capital becomes sustainable. Mission agencies verify trust. Borrowers flourish. Repayments fund the next entrepreneur. Kingdom impact compounds — and you'll see it measured across financial returns, human flourishing, and UN Sustainable Development Goals.
Projected Impact — Year 1
The numbers behind the mission
Repayment Rate
85%
No courts. No collectors. Just trust.
Trust Verifiers
300+
Foreign workers who already know the community
Flourishing Score
+34%
Not just richer. Actually thriving.
Grants Deployed
74
For families who were told they didn't qualify
Jobs Created
180+
In neighborhoods banks forgot exist
SDGs Advanced
5
Institutional credibility, not decoration
Average Grant
¥3.75M
$25K — enough to change a family's trajectory
UN SDG Alignment
Five goals. One integrated model.
Mujin directly advances measurable progress on five UN Sustainable Development Goals. This language unlocks foundation grants, Japanese government alignment, and ESG-conscious family offices.
SDG 1 — No Poverty
Capital access for credit-excluded populations (foreign residents, unconventional entrepreneurs). Grants enable economic self-sufficiency and reduce financial vulnerability.
SDG 8 — Decent Work & Economic Growth
Entrepreneurship support creates jobs, sustains small businesses, and contributes to local economic vitality. Target: 1,000-2,000 businesses supported at scale.
SDG 10 — Reduced Inequalities
Trust verification bypasses discriminatory credit systems. Foreign residents and minority community entrepreneurs access capital on equal terms through community standing, not credit scores.
SDG 11 — Sustainable Cities & Communities
Borrower businesses serve local communities (rural and urban). Wrap-around services strengthen community networks and social cohesion.
SDG 17 — Partnerships for the Goals
Multi-agency collaboration model. Cross-sector partnerships (mission agencies + charitable capital + technology + mentoring networks) demonstrate how diverse actors achieve shared outcomes.
Beyond Financial Returns
We measure what actually matters
Financial returns tell part of the story. We track six dimensions of human flourishing — because a thriving business means nothing if the person behind it isn't thriving too.
Adapted from Harvard's Human Flourishing Program
01
Financial Stability
Income sustainability, debt reduction, asset building — the foundation everything else rests on.
02
Vocational Fulfillment
Meaningful work that matches skill and calling. Entrepreneurial confidence growing over time.
03
Social Relationships
Deeper community integration. Peer networks. Family stability. Mentorship connections that last.
04
Mental & Physical Health
Financial security reduces stress. Sustainable work-life rhythms. Measured through self-assessment.
05
Meaning & Purpose
When your business serves your community and aligns with your deepest convictions.
06
Character & Virtue
Integrity in practice. Generosity that flows naturally. Graduates mentoring the next cohort.
Stories of Flourishing
Meet the people behind the numbers
KT
2:14
Coming Soon
I had the business plan. I had the community support. What I didn't have was a bank that would listen. My agency worker understood what a credit algorithm never could — that I show up, that I give back, that my neighbors trust me. That trust became my capital.
— Kenji T., Social Enterprise Founder, Osaka
ML
1:48
Coming Soon
As a foreign resident in rural Tohoku, no bank would give me the time of day. But my pastor knew my character, my neighbors knew my work ethic, and the mission worker knew my business was viable. Community trust opened the door that credit scores kept shut.
— Maria L., Cafe Owner, Tohoku Region
TM
3:02
Coming Soon
Our ministry needed capital to sustain the community programs that serve hundreds of families. Traditional funding was drying up. Through Mujin, we accessed resources that let us grow sustainably — and now we're mentoring three other ministry leaders through the same process.
— Takeshi M., Ministry Leader, Nagoya
Revolving Fund Economics
How ¥150M becomes ¥277.5M in Year 1
85% repayment means your charitable dollar funds two entrepreneurs. Not a one-time gift — a revolving engine. Capital recycles through community accountability, compounding impact with every cycle.
Repayments flow back through a moral covenant — not legally enforced. Community accountability and honor dynamics drive the 85% rate.
Initial Capital
¥150M
$1M USD from DAFs, churches, and foundations
First Deployment
40 grants
¥3.75M average grant size
Repayment
¥127.5M
85% repaid over 12 months
Redeployment
34 more grants
Recycled capital funds the next cohort
Year 1 Total
¥277.5M deployed
74 grants from ¥150M initial investment
DAF Impact Calculator
What your capital enables
Enter your contribution amount and tax situation to see the true cost after deductions — and the community impact your gift creates through revolving capital.
Consult your tax advisor for personalized guidance. All contributions are tax-deductible through Frontier Commons, a registered 501(c)(3).
Tax Savings
$24,150
48.3% effective return
True Cost After Savings
$25,850
Families Funded Immediately
10 grants
5-Year Revolving Impact
33 total grants
at 80% repayment rate
Assuming 80% loan repayment rate, your initial contribution funds multiple grant cycles as capital revolves. Average grant size: $5,000 USD.
Understanding DAFs
Donor Advised Funds — explained
What is a Donor Advised Fund?
A DAF is a charitable giving account. You contribute cash, securities, or other assets, receive an immediate tax deduction, and then recommend grants to qualified nonprofits over time. Think of it as a charitable savings account — you get the tax benefit now and deploy the capital when you are ready.
How do I give through a DAF?
If you already have a DAF (through Fidelity Charitable, Schwab Charitable, National Christian Foundation, or similar), simply recommend a grant to Frontier Commons (our fiscal sponsor, a registered 501(c)(3)). Include "Mujin 2.0" in the grant purpose. Your DAF administrator handles the rest.
Why is Mujin a strong DAF investment?
Unlike one-time grants, your DAF contribution enters a revolving fund. 85% of grants are repaid through community accountability, meaning your initial gift funds multiple entrepreneurs over time. You get SDG-aligned impact reporting, measurable flourishing outcomes, and the knowledge that your capital keeps working long after the initial deployment.
What if I do not have a DAF?
You can contribute directly to Frontier Commons via check, wire transfer, or online giving. All contributions are tax-deductible. If you are considering opening a DAF, most major brokerages offer them with low minimums — and contributing appreciated securities can provide additional tax benefits.
Risk & Transparency
Honest about the hard parts
Credibility comes from honesty, not polish. Here is how we manage risk and maintain full transparency with every donor and partner.
Below 80% Repayment Trigger
Pause new grants from affected agency, conduct root cause analysis. We don't wait for problems to compound.
Loss Absorption
15% loss reserve covers shortfalls without impacting new deployment. ¥22.5M held as buffer from the initial fund.
Agency Accountability
Partnership agreement includes mutual performance review. Agencies and Mujin hold each other to shared standards.
Borrower Hardship Protocol
Restructure timeline, increase support services, never pursue legal recovery. People over repayment rates.
Transparency
Quarterly financial reporting to all donors, annual audit. Full financial and flourishing reporting published openly.
Partnership Tiers
Deploy capital that compounds
Every tier funds real entrepreneurs through embedded mission agency networks. Impact measured across UN SDGs and human flourishing — not just financial returns.
Founding Partner
$250K+
50 entrepreneurs funded
- Board briefings and co-design input
- Named portfolio of funded entrepreneurs
- Quarterly impact reports with flourishing data
- Annual site visit to Japan operations
Catalyst
$100K
20 entrepreneurs funded
- Annual impact report with borrower stories
- Invitation to partner community events
- Direct updates from field operations
Accelerator
$25K
5 entrepreneurs funded
- Quarterly updates with outcome metrics
- Acknowledgment in annual impact report
Sustainer
$5K
1 entrepreneur fully funded
- Personal update from the entrepreneur you fund
- Annual impact summary
All contributions are tax-deductible through Frontier Commons, a registered 501(c)(3). Quarterly financial reporting and annual audit provided to all donors.