Obumwe was designed in collaboration with recipient groups and its principle is that monetary loans of between one and two million Ugandan shillings (£250 - £500) are provided to disadvantaged or marginalised groups to start a business. 

The loan is subject to interest at a much lower rate than is available locally, especially for unsecured loans, and is repaid over a 6 month period, coinciding with the length of a growing season in the region. Subsequent loans are not made until the original loan is repaid, resulting in strong inter-group peer pressure and a high repayment success from the loan recipients. 

The key benefit of this scheme is that the same funds are used time and again whilst the recipient groups become less reliant on aid.

The scheme has been running for over a year and has a 100% success rate, so it is now time to expand the scheme and provide more opportunities, not aid.