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."


Just Small Change is a Registered Charity.


Loans to date: 441


Susan (left) is a single parent who received her first loan in 2018 and used it to begin manufacturing and selling soap and detergents. From her profits, she has met all her household needs, including food and school fees for her 6 children. She has also invested profits, and a second micro loan, in dress fabric and employs two dressmakers in a second business. Here is one of them on the right.She supports her two children from the wages Susan pays her.  Susan's success has won respect in her community and she has been appointed as a community elder.

Mary: Mary is 74 and provides for her 5 orphaned grandchildren aged 18,16,14,12 and 8, all of whom are still at school. Mary is a hawker of second hand clothes, walking several miles a day carrying her stock.

She says hawking enables her to reach more customers. She has repaid her first loan on time and took her second loan in July this year.Both her loans have been used to add stock. She buys piece by piece in the local wholesale market, at Kibuye. Her daily profit has doubled, she says, because she can afford to buy better pieces of clothing now. She enjoyed the training because 'everyone was treated as equal' and because care was to make sure she had fully understood every topic. The best learning for her was to keep a notebook of debtors so you don’t forget who owes you money.
Mary spends her extra income on school fees, uniforms and school lunches for her grandchildren; she also saves in her table banking group. Mary says life is ‘so much better’ even though her head is now very busy.




Loice:Aged 34, Loice is a widow with 6 children aged 15,12,9,6 and twins aged 4. She lives in a rural village just outside Kisumu.Before she received her first loan (10,000Ksh in June 18), she earned money by digging in the fields for her neighbours.It was heavy work. With her loan she has started her own vegetable garden, renting land for a year and spending the remainder of the loan on seeds. She grows green vegetables, which she sells every day at the market.
She says her earnings have improved and there is much less heavy work. She is using her extra income for school fees, better meals and is also saving with her table banking group. In the future, she plans to use her savings to grow a wider variety of vegetables. In the long run she would like to rent more land and to pay others to help her tend it, to increase her sales. Loice says she now feels life is more hopeful and that she is treated with more respect.