JUST SMALL CHANGE (JIKWAMUE MICROFINANCE)

Registered charity 1154462 · accounts filings on the Charity Commission register · also known as JUST SMALL CHANGE

Relief of poverty or financial hardship among people in need, in particular but not exclusively by enabling individuals to generate a sustainable income

Causes: Education/training · The Prevention Or Relief Of Poverty · Economic/community Development/employment · website · Get email alerts

Latest income

£36k

Latest spending

£35k

Registered

2013

Accounts read

FY2026

Financial health, per its FY2026 accounts

The accounts state that total funds raised from supporters increased by 63% compared to the previous year, while spending on programme activity decreased by 7%. The charity holds unrestricted reserves of £48,367, which the trustees confirm are above the level required to fund planned activities for the upcoming year. No material uncertainties or going concern issues were identified in the filing.

Automated summary of the FY2026 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Largest income source: Donations and grants (99% of income)

“Income from grants and monthly donations performed very well this year, rising by 137% and 20% respectively. Total funds raised from supporters was 63% greater than last year.” — page 41

Per its FY2026 accounts as filed with the Charity Commission.

Reserves policy: sufficient funds to cover the whole year’s planned activities (held: £48k)

“To safeguard the charity from unexpected fluctuations in income, it is our policy to hold as reserves at the start of each year sufficient funds to cover the whole year’s planned activities.”

Per its FY2026 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 5 of 6 completeness components.

Funders the charity credits

Named as funders/supporters on the charity’s own website (the charity’s claim, distinct from accounts-verified grants).

People's Postcode Lottery — “Huge thanks to all our donors and to the the People's Postcode Lottery which provided £2000 match funding” (source page)

Trustees · trustee networks

PETER JOSEPH DONAGHUEchair
ANDREW WILLIAM MAHER
GERARD JOHN ADAMS
MARY JANE DONAGHUE

Trustee list from the Charity Commission register (current, not historical).

Operates in: Kenya · Mali · Tanzania · Uganda

Income and spending

Financial year end	Income	Spending
08/04/2026	£36k	£35k
08/04/2025	£22k	£38k
08/04/2024	£34k	£38k
08/04/2023	£44k	£35k
08/04/2022	£20k	£4k

Common questions

Is JUST SMALL CHANGE (JIKWAMUE MICROFINANCE) financially healthy?

Per its FY2026 accounts: The accounts state that total funds raised from supporters increased by 63% compared to the previous year, while spending on programme activity decreased by 7%. The charity holds unrestricted reserves of £48,367, which the trustees confirm are above the level required to fund planned activities for the upcoming year. No material uncertainties or going concern issues were identified in the filing. Its FY2026 accounts were independently examined.

Who funds JUST SMALL CHANGE (JIKWAMUE MICROFINANCE)?

Funders whose own accounts filings name JUST SMALL CHANGE (JIKWAMUE MICROFINANCE) as a grant recipient include W F SOUTHALL TRUST, ALLAN AND NESTA FERGUSON CHARITABLE SETTLEMENT, LET YOURSELF TRUST, THE CARMELA & RONNIE PIGNATELLI FOUNDATION, THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ALL SAINTS EMSCOTE WARWICK.

Known funders

Grants to this charity found in funders’ own accounts filings.

Funder	Year	Amount	Purpose (as stated by the funder)
W F SOUTHALL TRUST	FY2024	£4k	Social Action
ALLAN AND NESTA FERGUSON CHARITABLE SETTLEMENT	FY2024	£3k	Overseas education
LET YOURSELF TRUST	FY2025	£3k	CDD to fund 180 women in the Village Savings and Loan scheme in Uganda
THE CARMELA & RONNIE PIGNATELLI FOUNDATION	FY2022	£3k
THE PAROCHIAL CHURCH COUNCIL OF THE ECCLESIASTICAL PARISH OF ALL SAINTS EMSCOTE WARWICK	FY2023	£98