The International Association of Jewish Free Loans (IAJFL) is a membership organization dedicated to building, strengthening and promoting an international network of interest-free lending institutions. We provide mentorship, networking, and educational opportunities to existing free loan agencies and support new and developing programs to encourage economic empowerment and self-sufficiency through the provision of interest-free loans.
Please note: IAJFL is not a lending institution and does not provide direct service to individuals. We encourage you to find and contact your local free loan agency using the information provided on this site.
Founded in 1982, IAJFL has grown from a grassroots movement into a professionally-run organization comprised of nearly 50 free loan agencies whose cumulative assets total over $175,000,000 and whose impact is felt in communities around the world. For more information about IAJFL, the free loan movement and/or the benefits of membership, please contact us.
The Board of Directors of the IAJFL is comprised of lay and staff leadership from agencies throughout the US and Canada. We thank the committee for their dedication to the IAJFL and to furthering the concept of interest-free lending around the world.
Ellen Friedman SacksPresident
Ellen Friedman Sacks is the Executive Director of the Jewish Free Loan of Phoenix and the President of IAJFL. She has been part of JFL since 2010 – serving on the Board of Directors before joining the staff in 2012 as the organization’s first Director of Programs and PR. Ellen has more than 25 yearsRead more
Tim GrossmanExecutive Vice President
Tim is currently the Executive Vice President of the International Association of Jewish Free Loan. He is the current Treasurer of Hebrew Free Loan Association of San Antonio and a Past President. He also serves as a volunteer for the Tobin Center for Performing Arts which originally opened as the San Antonio Municipal Auditorium in 1926, asRead more
Terry BorerVice President
Terry Borer is a former president and current board member of Jewish Free Loan Toronto. Terry spearheaded many initiatives including $1,000 loans without guarantors, revamped constitution, streamlined the application process, and adding rigorous measurement of agency progress. During his time as president and board chair, loans granted and fundraising increased dramatically. In his personal life,Read more
Cheryl Barish ErlickVice President
Cheryl Barish Erlick has been the Executive Director of Hebrew Free Loan Society of Greater Philadelphia since 2016. Prior to that, she served as Kehillah Director for Jewish Learning Venture and Jewish Federation of Greater Philadelphia where she worked in the Jewish communities of Chester, Bucks and Delaware Counties, Bux-Mont, Old York Road corridor and LowerRead more
Nancy joined JIFLA as the Executive Director in March 2016. As Executive Director, Nancy is responsible for the organization’s operations as well as borrower, donor, and community relations. When she is not working to raise awareness of JIFLA’s important work and identifying new opportunities for organizational partnerships, Nancy can most likely be found on theRead more
Selwyn is a founder and President of Hebrew Free Loan of San Diego. He is also the founder of the Kindness Initiative serving the needs of Jewish households in poverty in San Diego county, and founder of Shabbat San Diego and Partners in Torah San Diego. He is also a director and Past-Chairman of CityRead more
Joanna is the Executive Director of the Hebrew Free Loan Association of Vancouver. Joanna has over 20 years of experience volunteering or working in the Jewish community. She has a passion for helping both people and organizations thrive. As Executive Director of HFLA Vancouver, Joanna has focused on finding ways “to say yes” whenever possible.Read more
Cindy RogowayImmediate Past President
Cindy Rogoway is the immediate past president of the International Association of Jewish Free Loan, and is also the Executive Director of Hebrew Free Loan San Francisco. For more than 30 years, Cindy has worked in fundraising and nonprofit management within the San Francisco Jewish community. She joined Hebrew Free Loan of San Francisco inRead more
Tina SheinbeinIAJFL Coordinator
Tina is the first IAJFL Coordinator. Tina joined Jewish Free Loan in 2005 as the Director of Development and Outreach. In 2008 she assumed the position of Executive Director. As of June 2020, Tina retired as the Executive Director of Phoenix. Tina has served as President and Secretary of the IAJFL Executive Committee and wasRead more