Just Small Change

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

   

"The secret of change is to focus all of your energy not on fighting the old, but on building the new."

Socrates

Just Small Change is a Registered Charity.

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Loans to date: 498

Update September 2017

In June and July, 50 more attended the 5 day training workshops run by Angelina. These have now formed into ten new groups, have their business plans ready, and are hoping soon to get loans. We are fundraising now for the funds to provide these loans. Please help us if you can; you can find out how on our 'How you can help' page. We will post here as these fledgling entrepreneurs take flight!

25 new ladies successfully completed their 5 day business training in March this year, and received small loans to develop their business plans. Here they are with their certificates and green loan passbooks. We visited 7 of these ladies at their places of business in May this year. Each lady impressed us with their energy and determination to succeed. Each one expressed improved self esteem, greater empowerment and better hopes for the future. The training and support provided by Angelina was described as essential to their progress. We were very encouraged by these meetings.

Ladies with certificates

 

Update January 17: A new and encouraging report has come in this week from Angelina! The 22 ladies she trained last summer received their first loans in October 2016. Trade is going well and they are all successfully repaying their six month loans. Businesses include school lunch, porridge, samosa and fast food kiosks, vegetable farming, rope and sack making, as well as stalls selling groceries, fish, firewood, cereals and washing powder.  Angelina has also visited the six ladies we featured last summer, so scroll down to read updates on their progress.

 Angeline

August 2016: We are delighted that Angelina, who has experience in both Microfinance and in small business development, has now started working full time for our partners in Kisumu, Kenya. She will be training and supporting existing as well as new clients, enabling the programme to expand securely and sustainably. We are looking forward to working closely with her to achieve her aim.

July 2016: the first group set up by Angeline, the new programme coordinator in Kisumu, has chosen the name ‘Focused’,  showing their determination to succeed. Read more about their new businesses here.  Angeline has also completed initial business training with 22 more ladies who are hoping to receive funding soon. 

Faith

 

Faith Aching Oyieko has used her loan to open a shop. With her profits, she will be to afford to pay her rent and meet the basic needs of her children, including their medical care. Update January 17: Faith’s business is going well. Turnover has increased and she says the quality of her family’s day to day life has improved as a result

 

 

 

Jane Achieng Otui

Jane’s new business is a grocery kiosk. Her profits will help her to care for the three orphaned children of her sister. Update January 17 : Jane’s profits have enabled her to extend her building and buy more stock, as well as paying the school fees for all three of her sister’s children.

 

 

Jane Naliaka John

Jane Naliaka John has set up a school lunch service. She will use her profits to pay for meals for her six orphaned grandchildren, and also to expand her business.

Update January 17: Jane has made enough profit to provide for her family and also to put a sheet iron roof on her kiosk, so she avoids panic in the rainy season and has shelter during sunshine.

 

Kesiah Aumo Aguko

 

 

Kesiah has used her loan to buy beads which she manufactures into rosaries at home and sells at local markets. Her profits will enable her to provide food, shelter and medical care for herself and her small baby. Update January 17: Kesiah’s turnover has increased so much that she has been able to employ two assistants to help making her rosaries. So more families are being supported!

 Magdaline

 Magdaline has set up a charcoal selling business, which should enable her to pay school fees for her children. Here she is with one of her customers. Update January 17: Magdaline used her profits to increase her stock, so now she sells wholesale as well as selling to consumers. She and her family have been able to move to a more secure house.

 

Mercy 

Mercy has set up a stall selling second hand clothes and household linens. Update January 17: Mercy has started to sell household hardware alongside her linens. Her profits now provide for all the basic needs of her family; she is proud of what she has achieved so far.

 

July 2016: The 'Ladies for Better Life' trust group from Kisumu, Kenya, have recently all repaid their first micro loans. Here they are marking the occasion with a team photo.

 

Moses

Moses completed a free course in pig rearing, he went along. Our partners in Tanzania, JIKWAMUE, helped him write a business plan and provided a loan, which he used to rent an acre of land and buy two pigs. Within a year, he had raised and sold 30 piglets, and with the profit he bought 3 acres of farmland and a building plot for a house. Growing his own maize has cut his pig feeding costs; he also grows sunflowers to sell the oil, and rears chickens to provide more regular cash flow. He and his wife are now able to send his children to school, pay for healthcare when needed, and are building a family home.

Maria

Maria’s dream is to expand her dressmaking business. She has used her loan from JIKWAMUE, our partners in Tanzania, to set up a small shop beside the local primary school; she sells groceries, school stationery and sweets morning and evening. In between, she sews school uniforms and dresses. She is saving to buy a second sewing machine. She believes this is less risky than borrowing directly to fund the new machine, as her dressmaking client base may take time to grow. She hopes eventually to employ an apprentice seamstress too, using the profits from the shop to pay this person’s wages. Great impact from one small loan!

Angelo

Angelo had some metalworking equipment and knew there was plenty of demand for gates, window grilles and furniture, but with no money for materials, and no prospect of a bank loan, he couldn’t get started. A small loan from JIKWAMUE, our partners in Tanzania, solved this problem; he now has a workshop and is building a successful business which now employs two college students part time. So one loan is now providing income and training for them, as well as a brighter future for Angelo and his family.