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Matthew chapter 25, verses 31 to 46, talks about the rules of God’s judgment, including whether we have cared for hungry, sick, or naked people. Taking care of the physical needs of people with low incomes is no less than their spiritual needs. CEDAR set up a savings group in slum areas and established a small loan fund. Villagers participating in the group can start small businesses with loans and improve their livelihoods in the long run, which is more effective than one-off relief assistance.