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.

 Loans to date: 656

Elizabeth Achieng at her fruit stall, Kibos Road, Kisumu

June 2019: We have just published our second Impact Report, detailing activities for the year ending 31 March 2019. It's available to read or download from our Reports page.

May 2019: A 5 day training course was delivered by Roselyne and Angeline, in the last week in May, to 34 new clients joining the project. They will be receiving their first loans in June and we look forward to hearing news of their progress. 

April 2019: Many thanks to the community of St Michael's Church, Houghton le Spring, for their great support and kind donation. We were delighted to get to meet some of you and very much enjoyed your wonderful cake and coffee! 

January 2019: Our new Project Coordinator, Ms Roselyne Okanda, joined the project at the start of the year. Roselyne (on the left) will be working closely with Angelina (on the right) to strengthen and expand the much-needed work in Kisumu. Plans are in place to train a further 150 clients over the year as well as to continue the mentoring of existing clients. 

Roundup of 2018: 

In early 2018, we published our first Impact Report, which you can find under the Reports tab. Next, 25 ladies received business training in March, and a further 25 in June. The June training, as well as the loans for these 25 new clients, was generously funded by the parish of Our Lady of Lourdes, Harpenden. In July, on finally reaching the end of the school year in the UK, we were delighted to receive a generous cheque from Year 6 at St Gregory's School, Stratford upon Avon. The children had raised the funds through running micro businesses themselves. We are grateful for the many other generous donations we have received during the year too.

In October we made a short visit to Kisumu. While we were there we met with almost 40 clients, visiting their businesses and hearing at first hand about their successes, challenges and hopes for the future. We were very impressed with their determination to succeed in building a better life. We also attended table banking meetings. Table banking was introduced to our programme this year to improve its sustainability by encouraging clients to save. You can read more about how table banking works here. In line with our commitment to use100% of all donations to fund the work of Just Small Change, the cost of the visit was funded privately by the trustees.

March 2018 training group  June 2018 training group


Round up of 2017:

In March, Angelina trained 25 new clients, advancing loans to them all in April. In May we made a short trip to our partners in Kisumu, where we met 29 clients, visited their 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 had achieved through running their businesses. Their self esteem had grown; they now felt they had a voice in the community.  It was great to meet Angelina, the project coordinator for the first time, and to see her at work. This visit was funded privately by the trustees, at no cost to Just Small Change.

In June and July 2017, Angelina ran two more 5 day business training courses. Here are the participants, with their training certificates. 

 By November 2017,  Angelina had advanced start up loans to all these ladies. By July 2018, 29 of them had fully repaid their loans and borrowed again, this time for a larger amount of Ksh 20,000, which they use to expand their businesses.