PRESIDENT's MESSAGE /l\ s I begin my tenure as /-lthe new IAJFL President, l would like to raise a toast
to all of our past Leaders for their collective vision and stewardship in bringing our organization to 31 years strongl
:lt has:been said thatl have interest-free lending
60 attendees gathered in Atlanta October 6-8 for the
by the Jewish Educational Loan Fund (JELF) and Jewish lnterest Free
flowing through my veins as I have volunteered
loan of Atlanta (JIFLA). This year's theme "/nterest-Free Lending - An ancienttradition
my time and passion since inception to the growth
for modern tirnes" was quite apropos for the group. We participated in educational
of our lotal South Florida agency which begins its
sessions about the Jewish origins of interest-free lending, strategic planning, board
25th year of service to the community in 2014. ln
developmenq innovative loan programs, and fundraising. HighlighS also included a
addition, I have been on the IAJFL Executive team
visit to the Atlanta History center, a southern style home hospitalig dinner, an evening
for the past 20 years in various capacities.
honoring the presidency of susan Luterman and recognizing the leadership and tenure
So I am a free loaner from way back and have
of Mark Meltzer and Ed Cushman, and a bluegrass duo performance.Another year
had many opportunities to learn our craft from so
filled with camaraderig excitement, energy and the strengthening of our mutual bond
many professional and lay leaders within our 50
in providing a helping hand, not a handout.
plus agencies. I have been empowered and
entrusted to lead this dynamic organization forward and
do so with pridg honor and enthusiasm.
with our executive team in promoting a cohesive strategic growth and I am excited to work
development plan to raise awareness and allow us
to collectively reach out further in providing our
helping hand, not a hand-outto those in need. HappyThanksgivukkah to one and all!
President's Award Presented to Ed Cushman ln recognition of your many years of Leadership and commitment to the lnternationalAssociation of Jewish Free Loans. Dear Friends and Colleaguel During my years in San Francisco, I have been so fortunate to have
I am extremely disappointed that my lr...nt medical setback is making it
worked with such an outstanding colleague and dear friend as Cindy Rogoway. Cindy and I have been blessed these last 5 years to have
impossible for me to be with you at the
Franciscq and thus, most likely my last
had Jordan Gill on our team as well and he has been a wonderful addition and has become an extremely important element to our success. I have also worked with great lay leaders and a dedicated board of directors who have moved our agency forward in so many
conference. I am sorry I cannot be there
conference this year. As I am sure you
all know by now this is going to be my last year at the Hebrew Free Loan in San
Our collective mission is to take an ancient Jewish value and practice
in person to say goodbye and to let you
and to continue to find ways that enable this biblical injunction about interest-free lending to continue to provide meaning and relevancy
all know how much I have enjoyed and appreciated my contact with you.
in today's changing world. lt is not easy, given the demographic and
When I first started at Hebrew Free Loan in San Francisco almost 11.5 years ago I was quickly brought into the lnternational leadership
structure by my wonderful colleague Mark Meltzer. Under Mark's guidancq I found the contact with other free loan agencies to be one of the more meaningful aspects of my new position and I soon found a wealth of colleagues and friends from around the country.
During Glenn Gopmant presidency,
Execulive Board began to hold
monthly conference callt and we began to function in a more serious and involved fashion. I followed Glenn as president and throughout the years I have been privileged to have worked closely with so many outstanding individuals; Mark Glen, Richard Broder, the wonderful pair of Alan and Susan Luterman,AndyWeinberg, Cindy Rogoway,
Nic$ Madoff, Manny
Vorspan,Ina Sheinbein, and
many others.We have been able to innovate and help make the entire
additional challenges we are facing. I hope we will all choose to continue to take chances, be open to innovation and to continue our dedication to excellence. Only from that spirit will we be able to grow serve as many people in need as possible and continue to build relevancy. I will leave you all with my favorite saying about change. lt is a quote associated with Yogi Berra, the famous old Yankee catcher. the saying is that "Progress always involves risk; you can't steal second
base and keep your foot on first." So my final wish for all of us is that we take a little more of a lead-off of first at times and strive to get ahead. We owe that much to the generations of individuals in our communities who started our agencies and the donors who so generously funded our institutions. May we all continue to go from
strength to strength.
enterprise strongerwiffr more communication between individuals and
between agencies in different cities. I am proud of my tenure as a result.
oel lsraelwas created in June 2013, Uy
group of members of tre Jewish
' We have:already
guarantor and must show how he/she will
for several cases and are very proudto be the first official Guemaj of the Panama
repay the loan within a 24-mon*r period.
Community in hnama.lhese members saw' the economic problems of many Jewish families in *re communfiy and decided to qreate an
Ihe initial areas we are lending for are
creatq the Bylaws'of this Guema! (Gemach)
interest*ee loans wi*t low monthly paymenE
may need the'loans..' : :A Rabbinicalconsultation committee is also
arise from having to ask for ?edakah.
being aeated to help the board rnembers in
Allthe funds are being donatedby members of *ie Panama Jewish community.'The basic
that can be used as loans for commercial or
the opportunity to members of *re Jewish
â‚Źrimmunig in hnama,to receivefinancial
membem of the
and the requirements that need to be fulfilled btt tie local Jewish members that
any Halachic issue that maybe
Ihe mission of Goel lsrael is to offerto the hnama Jewish community
mihrahs, and heahh issues among o*res.
Ihe main idea of Gel lsrael
any humiliation frat may
of lendinq,rnsney to his fellow Jewish bro*rer, as urell as making the lvliztfa LoAseh of not
charging interest on loans.
personat needs Our vision is to give
And at the same time give tre opportunity fund's donor to do
several loans outstanding
busines$ debt cancellation, weddingq bar
interest-tee loan fund to address ttose needs; A'13-person board was created in order
requiremen8 for the bonower is to have one
of *re.Fanama Jewish community :
to get economic help without asking
:donationr Avoiding the need to askfor
INTERNATIONAL ASSOCIATION OF JEWISH FREE TOANS PAST PRESIDENTS PAST PRESIDENT
Andrew Weinberg Susan C. Luterman Richard Broder Edward L. Cushman Glenn H. Gopman Mark Meltzer Allen N. Luterman lrwin Weiner Bernard Granor Ruth Marcus Irving Levine* Efraim Joffe* Mark Meltzer Harry Adler* Julius Blackman Henry Leopold
2011-2013 2009-2011 2007-2009 2o0s-2007 2003-2005 200't-2003 1999-2001
1998-1999 1995-1998 1994-1996 1992-1994 1990-1992 1 989-1 990 1982-'t988 1982-r985
oF oRtGlN Miami, Florida Dallas, Texas
Detroit, Michigan San Fransicso, California Miami, Florida Los Angeles, Cal ifornia Dallas, Texas 5an Francisco, California Phildelphia, Pennsylvania
Detroit, Michigan Pittsburgh, Pennsylvania San Antonio, Texas Los Angeles, Cal ifornia Phoenix, Arizona San Francisco, California Detroit, Michigan *deceased
CINDY ROGOWAY Associate Director, Hebrew Free Loan of San Francisco fI
or the past 25 years, Cindy has worked in fundraising and non-profit management for the Jewish community. Cindy is decidedly a west coast person. She was born and raised in Seattlg lrtlashington
and spent a decade in LosAngeles. After graduating from UCLA, where she majored in Conttnunication Studies, Cindy moved to the BayArea and began her career in the college textbook publishing business. After a few years, she decided to transition to the non-profit world. Cindy has found meaning and purpose in working for organizations that strenghen community and provide support to those in need. She worked for the Jewish Community Federation for '14 years. She's spent the last 1 1 years at the Hebrew Free Loan Association, where she! currently theAssociate Director. ln this capacity, she oversees the marketing and internal operations ofthe agency, assists with board development and fundraising, and is in charge of the loan program.
Cindyhasbeenimpressedwiththeprofoundandlastingimpactamicro-loancanmake' ln addition to her professional involvement in the Jewish community, Cindy has also been an active volunteer for political campaigns and several local Jewish organizations, including Congregation Kol Emeth, the South Peninsula Hebrew Day Schooland
Ihe Friendship Circle. Cindy lives in San Carlos, CA, with her husband, Joe Goldberg, and their sweet and precocious four-year old son, Alan. 0n weekends, they can be spotted around town riding their new triple - tandem bicycle.
f,pffiHk 6505 Wilshire Blvd., Suite 715 Los
Angelel CA 90048
Tet. (323) 761-8830 Fax (323) 761-8841
President Andrew B.Weinberg
Vice Presidents David Contorer (Ml) Lara Dorfman (GA) Cindy Rogoway (CA) Iina Sheinbein (AZ)
Treasurer Mannie Druker (Vancouver)
Secretary Ginny Gendleman (Wl)
Administrator Natalie Fainberg (CA) RETURN SERVICE REQUESTED