MONEY LOCKDOWN

I'm Margaret Macharia — Faith Strategist, Biblical Money Coach, and founder of HavenPEP, based in Nairobi.

I served for years as a church treasurer. I watched tithes decline not because people stopped believing, but because their hands turned to other needs and tithing was set aside — generosity that rose and fell with pressure instead of conviction. The gap wasn't in people's faith. It was in how few had been taught to steward what God had already entrusted to them.

"The earth is the Lord's, and everything in it." — Psalm 24:1 (NIV)

That conviction became the work I now build.

Not motivation. Formation.

It begins with the PEPSTAR Challenge, where gaps are named. It continues in Biblical Money Coaching, where leaks are identified — money stewarded as a trust.

"Now it is required that those who have been given a trust must prove faithful." — 1 Corinthians 4:2 (NIV)

It comes full circle in Born to Belong, where what's been named and stewarded is finally fulfilled.

"Faith by itself, if it is not accompanied by action, is dead." — James 2:17 (NIV)

Awakening. Stewardship. Purpose. — the three stages of this work.

If you're a leader or builder sensing your life needs realigning — this is where that starts.

Begin the PEPSTAR Challenge.