Provides interest-free loans to Jewish residents of Northern California to help achieve financial self-sufficiency and pursue their dreams.  Loan categories include student, business, and special needs, plus adoption, fertility, health care, emergency, first-time home buyer and more. Loans support individuals who are overcoming challenging situations or pursuing lifelong dreams. As loans are repaid, funds are recycled for new loans. Organization’s model has been successful for 120 years, with a repayment rate of 99.75 percent.