Just Small Change

Growing livelihoods, overcoming poverty, one small business at a time.

   

Our mission:

To enable the very poor in developing countries to build a pathway out of poverty through small business development.

Our work:

Working through partner organisations in developing countries, we facilitate local microfinance schemes which respond directly to the needs of vulnerable rural and urban communities.

Just Small Change is a Registered Charity.

Make a donation using Virgin Money Giving

August 2017. Angelina has now completed a five day training course for another 50 aspiring businesswomen. They all have their business plans ready and loans are being distributed to them as funds become available. All donations welcome to help all 50 get started on their new ventures! If you are able to help, please use the Virgin button on the left or see our 'How you can help' page. Thank you.

Here they all are with their course certificates.

In May we made a short trip to our partners in Kisumu, where we met 29 clients, visited their small businesses and discussed with them their challenges, hopes and plans for the future. We are immensely encouraged by the improvements in income, nutrition and housing which these ladies have achieved through running their businesses. Their self esteem has grown; they say they now feel they have a voice in the community. It was great to meet Angelina, the project coordinator and to see her at work. Shortly we will be publishing an impact report detailing all the outcomes of our visit, which was funded privately by the trustees.

Elizabeth Achieng at her fruit stall, Kibos Road, Kisumu

LOANS TO DATE 498

MICROFINANCE - HOW IT WORKS

We believe that microfinance is a sustainable means of tackling poverty, which leads to lasting personal and economic development. Financial support and training empower entrepreneurs to build businesses, support their families and transform their communities.

WHY WE ARE DIFFERENT

LOW COST: Working with UK volunteers and local partner charities in the field keeps our costs to an absolute minimum, ensuring your donation has maximum impact at transforming lives in developing countries.

DIRECT LINK: Our close links with local partners means we can provide feedback to our UK donors on the progress of businesses & improvement in the lives of people.

BUSINESS TRAINING AND SUPPORT

Most of our clients have very little prior experience of handling money or of business. We offer training and business support to enable them to gain the skills needed to repay a loan and run a successful business. A three day training course covers topics such as costing and pricing, working as a group, managing their money and understanding their rights and responsibilities. This training is delivered through role plays and games so that it is accessible to women with no formal education.

TRUST GROUPS

Consisting of 5-10 entrepreneurs from the same area, trust groups meet regularly to discuss the progress of their businesses and receive training. By exchanging ideas and encouraging each other, loan repayment rates are increased. Lasting and supportive relationships are formed in these groups - one has even organized a monthly kitchen utensil merry-go round to share their kitchen equipment.

The meetings are also used as an opportunity for additional training on topics relevant to the social issues facing the group eg HIV prevention or health education.

LOCAL FIELD PARTNERS

We work through local field partners who are already closely involved with marginalized communities. This ensures your donation reaches the most needy as efficiently as possible.

VISION AND MOTIVATION

We believe that with suitable training and support, microfinance has the power to unlock the personal and economic potential of the poorest communities, allowing them the opportunity to achieve a life free from poverty, with dignity and purpose.

As Christians, we are responding to Jesus Christ’s call to love and serve the poor. We serve all people regardless of race, faith, ethnicity and gender.

WHERE WE WORK

Tanzania.

Despite growth resulting from gold production and tourism, Tanzania remains one of the most impoverished countries in the world. Approximately 36 percent of Tanzanians live below the poverty line. Yet the country’s economic potential is unmistakable.
One out of every three Tanzanians is self-employed, indicating a high level of microenterprise activity. Only 20 percent of the population, however, has access to a formal bank within an hour’s walking distance of their home.

Kenya.

Kenya is among the world’s 30 poorest countries and is home to one of the world’s harshest HIV and AIDS epidemics. More than a half of the country’s population lives below the poverty line, on less that one US dollar a day. With an estimated population of 436,000, Kisumu has one of Kenya’s highest poverty levels and worst set of health indicators. Approximately 22-25% of the population is HIV positive.