Jul 2015 campaign date
180 members
£7,444.01 raised
Deki our charity partner
June 2015 175 members raised £7,384.68 August 2015 183 members raised £4,708.45

Being an entrepreneur isn’t just for young people. Meet Josephine.

Josephine Atoo Otema at 70 years is one of Deki’s oldest entrepreneurs and has lived through hard times – she is undoubtedly an amazing woman. She lives in Palabek Kal in Uganda, a hot and arid, sparsely populated place where she has been a refugee from the war in South Sudan for over 20 years. Josephine has seven children, one of which has died, and 10 grandchildren. Eight of Josephine’s grandchildren still live with her and she helps support them. Her husband has also recently been sick.

Josephine is a strong and much respected character in the local tightly knit community. She is also a group leader for Deki microloans in the village. The love and respect the people of the village have for her is clear – many women speak to her about their businesses, their homes, children, husbands, crops and every other aspect of life which she may be able to advise on.


As part of her job as a group leader, Josephine oversees implementing of Deki loans. She makes sure their loan is the correct amount for their business and checks they know how to invest it properly. Josephine’s help and guidance is invaluable and in the absence of traditional banks and community business training programmes, many rely upon her.

Adam Dickens Photography 2014 - Deki Uganda 748.jpg

Josephine has now been able to apply for her own small loan of £130 to expand her market business. She trades mainly in maize sprouts – used for local brewing, silver fish and white beans. With her loan she is able to by increased stock at lower prices. Josephine’s business is doing well and her income has dramatically increased since taking out her loan.

With the extra income Josephine is now able to send her youngest daughter to university in Gulu to study agriculture. This is especially important, as no one in the family has been to University before especially a woman. She hopes in the future she will be able to help all 10 grandchildren to follow in her daughter’s footsteps…

As Josephine’s pays back her loan it is now being re-invested by Deki lenders into more life changing loans.

Thanks to Be One Percent Members we have now made over £46,000 in micro-loans to entreprenears like Josephine and this donation pot will be recycled again and again. Giving is good!

See all of the loans the 1%Pot has made here


Deki empowers people living in poverty to create sustainable livelihoods by providing access to ethical microloans and training, currently Deki works in Malawi, Ghana, Togo, Uganda, South Sudan and Tanzania. The loans averaging £180 are used to create a sustainable income. For example, Deki loans have been used to purchase sewing machines to create small tailoring businesses, to buy water pumps to increase farmer’s yields and to buy better stock for local restaurants or stores.  Deki loans are funded by lenders and donors on crowd-funding website www.deki.org.uk. Individual lenders in the UK (and overseas) have the opportunity to lend from £10 to a chosen entrepreneur. Through an increased income entrepreneurs have the ability to support their extended family; on average Deki loans have a positive impact on the livelihoods of six or more people. This translates to an increased ability to access clean water, putting regular meals on the table, sending their children to school and saving for the future.

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