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2025-04-08-accounts

33

Annual report 2024-2025

Registered Charity 1154462 www.justsmallchange.org.uk info@justsmallchange.org.uk

Some of our VSLA group members

CONTENTS

1 Increasing impact through synergy

3 Meet the people of Budaka

Our work in detail

Finance and management

1.Increasing impact through synergy

Goat rearing to improve livelihoods of the most vulnerable families

Village Savings and Loan Associations to encourage resilience and enable small businesses

Village Health Teams to improve health awareness, spread good hygiene practice and reduce disease

Cooking skills and training in child nutrition to tackle child malnourishment and stunting

Training in regenerative agriculture to improve crop yields, food supplies and income

2.Our mission and work:

to enable the very poor to build sustainable pathways out of poverty.

Through projects which build skill sets, strengthen livelihoods and improve health, we aim to unlock the personal and economic potential of the poorest families and communities. Through training and support, our projects empower the very poor to achieve a life free from severe poverty, with dignity and purpose.

Since 2011, we have been working in sub-Saharan Africa. We are currently working in Budaka District, Eastern Uganda.

The treasurer and secretary of a VSLA group arrive for a meeting

Since our last report, our work in Budaka District, Uganda has expanded in size, depth and scope. This is in response to growing demand for the training our projects provide.

Budaka is a rural, partly swampy area of around 140 hectares with a population of around 280,000. Almost all are dependent on subsistence farming for survival and live below the international poverty line of $3/day. Although the Ugandan economy is making some progress, the gains are concentrated in urban areas and among the better off. The people of Budaka are slipping into even deeper poverty as climate shocks, erratic rainfall patterns and soil erosion threaten their crop yields, reduce food supply and income and increase risks to health such as heat stress and spread of disease. With very large families, sometimes up to 20 children, poor child nutrition is widespread; over one in four children under five are stunted, leading to poor health, long term development problems and poorer life chances.

Through our partners in Uganda, Just Small Change delivers a broad range of interlinked projects which enable the people of Budaka to make progress in improving their lives and livelihoods.

Training in sustainable agriculture tackles the challenges of poor soil and climate change while goat breeding improves food security and incomes. The grass roots support network provided by our Village Savings and Loans Associations (VSLA) builds community trust and resilience. The VSLA also provide financial inclusion, enabling saving and borrowing and giving members more control over their small resources. Meanwhile, recognising that better health underpins improvements in living standards, one of our healthcare projects focuses on maternity care, care of infants, home health and hygiene and prevention or treatment of common illnesses. Our second healthcare project addresses the ever-present issue of child malnutrition.

Together, these interlinked projects are having a powerful impact in Budaka, improving living standards, building participants’ confidence, strengthening community bonds through shared experience and knowledge and empowering people to take some control of their lives and futures.

Our work follows the recommendations of the World Bank:

Poor and vulnerable households can be supported through…. livelihood programs designed to reduce negative coping strategies such as reducing food intake, selling productive assets, and pulling children out of school. In the longer term, these programs can help households increase income, build assets, and develop resilience. World Bank Uganda Economic Update Dec 2023

It also supports these United Nations Sustainable Development Goals

One of our VSLA groups

Why work with us:

3.Meet the people of Budaka:

We work directly with over 1600 households in Budaka, and indirectly with many more.

90% of Savings Group members and all the beneficiaries of the goat programmes are women.

32% of our participants are single heads of household, struggling alone to provide for their families. One in five is a widow. All households live in deep poverty.

Houses are made of brick or mud, with a thatched or sheet metal roof. Three in ten households have no access to a latrine, and one in five has no local source of safe water.

Four in ten households live in a single room, while a further four out of ten have only 2 rooms.

Average household size is 8 but can be as high as 27. In a typical household there will be two under-fives and three older children at school. One in five households has more than 10 members. In our goat programme, 16% of households include orphans, who may be grandchildren or children of relatives or of neighbours.

Three in ten of our programme participants find every day is a struggle to provide for their family’s needs, with a further third struggling most days to do this. One in six households frequently have ‘hungry’ days when they don’t eat. A third of the remaining households only eat once a day. Four out of five households cannot afford meat, fish or eggs, so just eat carbohydrates with vegetables.

4.Village Savings and Loan Associations (VSLA)

This is a simple but powerful project which gives members more control over their limited funds, enables planning ahead and increases resilience. Members work together, pooling their small savings so that some can borrow and then repay with interest. Many borrowers use their loans to set up a micro business to boost the family income, as most households survive on subsistence farming and very little else. Others borrow to manage schooling costs for their children, or for emergency medical expenses.

Associations are self-selecting and choose their own officers; members trust and support each other, vetting would-be borrowers and advising on each other’s business ideas. Everyone benefits from earning interest on their savings. Cash is kept in a strong-box with three key holders, chosen by the group. After twelve months, members’ savings are returned to them with a pro-rata share of the interest earned. The following month the whole cycle starts again. Some members choose to reinvest their savings, but most use the funds they have accumulated for a large project such as home improvement (often replacing thatch with a tin roof, or replacing mud and wattle walls with brick), buying a plot of land or starting or expanding a business. Testimonies show that being able to plan for and attain such ‘big ticket’ items is truly life changing for many members and consequently for their families too.

A training session for two VSLA groups.

----- Start of picture text -----
VSLA members often speak about the importance of the friendship and
support they find in their savings group. Homesteads are widely scattered in
rural Budaka, so the weekly meetings add an important new social dimension
to the lives of many members, increasing their sense of well-being and their
self-esteem.
The weekly meetings of the VSLA provide a valuable forum for training,
delivered by social workers or health professionals, on important topics
including childcare and management, home hygiene, family planning,
menstrual health and many more. Members enjoy these sessions and often
ask for more.
Our VSLA project has expanded in response to huge demand. 25 new
associations were set up in 2024-5. At end March 2025 there were 42 groups
running with around 1600 members in total. Four are mixed gender with the
remainder being all-female groups. All members of new associations receive
training in money management and basic business skills. Additional training is
given to the group’s officers. Ongoing supervision and refresher training is also
provided.
42 groups - Average
1607 interest Average loan
members in earned size £15
total £2.3 4
Average 850 women
savings per took small
member £13 loans
----- End of picture text -----

Ladies from our VSLAS share their stories..

Before, I was covered in dirt, digging in the bushes, working in gardens, everyone despised me. But since I joined the savings group I am a respected woman in the community (Mother with six children) Before the savings group came, I was not a respected woman in the community. I was despised and I had little hope. But when I was able to borrow a little money, I bought a few kilos of broken rice and sold it by the cupful. Each

time I sold out I reinvested the profit and now my stock is fifty kilos! (Single mother of four children) I borrowed money to buy some piglets and feed and now I am rearing pigs. When new piglets are born, I will sell some

to repay the loan. The savings group is happy to lend to me because they

see the new piglets arriving! Before I just used to gossip but now I am so busy all the time (widow with 7 dependents)

After training, I saved hard and bought a few shoes to sell. I went around the villages and sold them all. My business has grown; My shoe stock is worth over (£65), I am so delighted. (Single mum, seven children,) I feel so positive since the savings group came.

I’ve been going out looking for any work I can get so when we meet, I have a little money to add to my savings. Soon I will be able to borrow and set up a business. I will build it up over time and earn income from outside the village (Young mother of six)

Joining the group woke me up. Before I wasn’t doing anything, I didn’t realise what was possible if you save. After the training, I saved and I borrowed and now I run a small café. With the profit I have been able to rent some land where I am growing crops to eat and to sell. (Young mother of five)

I feel so positive since the savings group came. It has created a community, I have friends here now, we all support each other. I have borrowed to start a business. Life is improving and I am a changed person. (Single mother of three)

The children couldn’t take their school exams because I was not able to pay the fees. But I borrowed, so they sat their exams. Now I am managing to earn some money to repay the loan, and I am saving too. I am hoping to buy a cow, so I can sell her calf each year, to pay for the children’s education. (Grandmother supporting six children) Before I joined the savings group I was not happy at all. I felt I didn’t’ belong. I borrowed money and was able to start a little business so now I have a way to earn money. I feel it’s possible

to move on and make things better. We are all able to help each other. Things are looking up (Mother with five children)

5. Goat rearing to improve livelihoods

This project benefits the poorest families, improving income, welfare and diet. Goats are hardy and can thrive even during food and water shortages. They breed twice a year and often produce twins.

The 30 initial beneficiaries of each group each receive a local nanny goat. The project also provides a buck goat from a stronger breed (Boer). Through cross breeding, the size and strength of kids can be improved, increasing their value. Beneficiaries can earn income from small-scale goat-rearing. The goats also provide useful manure for vegetable gardens, improving families’ diets and often also providing an income through sale of vegetables.

The project provides a buck shed, built on stilts for safety, and a local buck keeper who supports the beneficiaries in their care of their goats. The bucks are rotated between groups to prevent inbreeding. Training is provided for both keepers and beneficiaries.

Each beneficiary is enrolled in a Village Savings and Loan Association, so she can save and borrow as her goat generate incomes by producing kids. The project is designed to grow sustainably. Each beneficiary returns a cross-bred kid to the buck keeper, to be gifted to another needy recipient. This happens after weaning, when the kid is five months old. The ability to gift is a real source of joy and pride to both giver and receiver.

Currently we have nine goat groups running in Budaka. One new group was set up in the year ending March 2025, and one was closed. Repairs were carried out on all the buck houses.

In total 178 kids have been gifted by the 300 original group members to new beneficiaries, so there are now 478 goat beneficiaries. Each has been chosen because of her acute poverty. Some are very elderly and/or infirm, while many others have been widowed or abandoned and are struggling alone to support children. Their goats and the kids they produce provide a muchneeded buffer against the hardships of their lives. The goats are also a source of self-esteem and means of social inclusion in communities where the most vulnerable women are often disregarded.

Mother of five children: I am so grateful to have received a goat. She has given birth to 2 kids. I was able to sell one and I used some of the money to buy some turkeys, which have also produced, so now I have two goats and ten turkeys! I am so excited about what I have achieved because of

the goat.

Single mother of 7: My goat produced two kids. I will return one to the project and will sell the other to pay school fees. The best thing is that my goat will have kids every year which will help me to sustain my children’s education.

Elderly widow with 7 dependents: I’m so happy. The community and our neighbours see us differently now. We have sources of income now and some of us do business, so we are no longer dependent on other people. Before we were despised but now people admire us as they see we are doing well.

Gifting a goat kid helps the project grow sustainably and is a source of joy and pride. Here a beneficiary is gifting a female kid to a needy neighbour.

6. Community Healthcare

Improvements in health awareness and healthcare make a huge contribution to reducing illness and improving families’ wellbeing and living standards. In Uganda, the most common illnesses are communicable diseases such as malaria, TB, HIV/AIDS, respiratory diseases and diarrhoea, yet in rural areas there is often little understanding of basic hygiene and of how to avoid transmission of disease.

Rural healthcare provision in Uganda relies on Village Health Teams (VHT) who provide a crucial link between their communities and local Health Centres. VHT members are volunteers who complete a one-year Government healthcare training programme, delivered by health ministry staff. They work within their villages, teaching their neighbours about hygiene and sanitation, the benefits of pre- and post-natal care and immunisation and care of infants. They help with Government health programmes in the community and make referrals to Health Centres.

JSC has trained 66 VHTs in Lyama sub-county, where previously there were none. We have provided monthly Continuing Professional Development (CPD) delivered by midwives, nurses, health assistants, and the District Health Officer (DHO). The impact of the VHTs work is clear. Household visits by VHTs have increased fourfold, from around 2,500 per year in 2022 and 2023 to over 10,500 per year in 2024. Their work has contributed to a significant reduction in malaria cases (down from over 13,500 in 2022 to an estimated 4050 in 2024), to greater uptake of Health Centre maternity services (uptake is generally low in rural areas) and to a larger proportion of households with refuse pits, handwashing facilities and access to pit latrines. Cases of diarrhoea in children under five have fallen. Cases of measles have also fallen, as more children are immunised against this killer disease

Also, through helping with the Nutrition project, seven VHTs have been trained in the basics of child nutrition and in how to identify cases of child malnutrition so these can be referred for treatment. They have gained valuable experience of how to spot and tackle the prevalent issue of child malnutrition and are sharing this in their villages.

Eighteen of the VHTs were selected as senior VHTs in early 2025 and in March 2025 completed the first of five weeks of intensive full-time training. When qualified, they will be able offer more advanced, much needed services such as first aid, antenatal care, at-home immunisations for mother and child, family planning advice/ supplies and diagnosis and treatment of illnesses.

We look forward to seeing even greater improvements in the health of communities in Lyama in the years to come, as a result of this strengthening of the VHT team.

VHT William walks from homestead to homestead in his community.

Here, he is advising a young mother and father, encouraging them to visit the Health Centre for immunisation for their new baby

7. Child nutrition

Child malnutrition and stunting is widespread in Uganda affecting a quarter of children under five, severely impacting their immune system, long term health, brain development and life chances. In Budaka, deep rural poverty, failing harvests, large family size and poor child feeding practices combine to intensify the problem. In response, the nutrition programme was introduced in Spring 2024. This project aims sustainably to reduce malnutrition among the under 5s by changing mindsets, teaching caregivers about the importance of a balanced diet and teaching them how to cook nutritious meals from foods they can grow themselves.

At a community day, families are invited to have their children’s growth checked. Caregivers with malnourished children are invited to join the year

long programme which is run by trained local nutritionists and supported by the local JSC Volunteer Health Teams. The local VHTs receive five days training in child nutrition and how to identify malnourishment.

A mother waits to have her children assessed

Over a twelve-day period the nutritionists, VHTs and caregivers cook together to feed the children a wide variety of foods including vegetables and protein, all cooked by steaming. Local traditional practice is to feed small children only on maize porridge as it is believed other foods will be harmful. This fear is overcome as caregivers see their children respond to their improved diet, gaining appetite, energy and weight. As well as daily teaching on how to provide a balanced diet, each day talks are given by a social worker on a family-related topic. Areas covered include good parenting, birth control and

menstrual health, the importance of hygiene and sanitation and how to provide clean water for drinking and home use.

For a further twelve months, the local VHTs encourage and support the caregivers in following the new feeding practices and improving home hygiene. They also monitor the children’s growth.

In 2024-25 two projects took place covering five villages in all. Ninety four malnourished children were identified including two needing immediate admission to hospital. One of these was admitted and has since improved. The second very sadly died, as the parents were fearful of the hospital and would not permit admission.

On both projects, the twelve days of communal cooking were well attended, with almost all the children gaining weight and energy. The local VHTs monitored the children’s progress and supported the caregivers until March 2025. Overall, most caregivers are continuing to use their new cooking skills and a great improvement has been seen in the health and wellbeing of most of the children.

However, we were very sorry to learn that one little girl who attended later died from measles, still being too weak to fight the disease. There is much work still to do in improving the lives of children in Budaka and more child nutrition projects are planned for 2025-26.

Children tasting new foods and waiting for millet porridge to cool down

8. Agricultural training

The people of Budaka survive by subsistence farming, which has become more difficult in recent years. Unpredictable weather patterns caused by climate change, soil degradation caused by poor cultivation methods and soil erosion caused by tree clearing have combined to reduce harvests and food supplies. Since early 2024, VSLA members have been offered training in sustainable agriculture. This has led to great improvements in crop quality and yield, improving their food security, diets and livelihoods (as many now have surplus crops to sell). Workload is also greatly reduced; a much smaller area of land is needed than is traditionally used to produce food for the family and the no

dig-method is used. This is a huge bonus in two ways. Firstly, the women save time and energy which they spend elsewhere, regaining some control over their lives. Secondly, should they wish to, many are now able to grow cash crops for the first time on the land they own or rent, since less of the land is needed to feed the family. This is another empowering step forward for many women who find they have a source of income for the first time.

Learning to plan crop spacing to increase yields

In response to huge demand from the communities we serve, we have expanded this project in 2024-25. Over 940 women have now been trained in these techniques.

Sustainable agriculture aims to restore soil integrity, reduce pests, increase crop yields and widen the variety of crops grown. This leads to better biodiversity, better nutrition, improved food security and income from crop sales. Training includes crop planning and seed selection, the no-plough method of planting, mulching, irrigation management and composting. A

demonstration garden is planted by participants, who see the results of these methods within the half year growing season and go on to apply them in their own gardens. Many teach the techniques to neighbours who have not been able to attend a course, but who see the quick improvements in yields and want to learn.

This is a really powerful programme which is renewing the fertility of Budaka to the great benefit of its population. Many participants are also beneficiaries of the goat project and almost all are in a VSLA. The three programmes together create a powerful synergy, with goats providing essential manure, waste material from crops providing goat fodder and the VSLA providing a safe place to save income, build capital or borrow to rent land or buy seeds.

Below, a village community is learning about mulching techniques

These ladies are delighted with their plentiful maize harvests

9. Plans for 2025-26

An expanding goat group: these new members are delighted to receive a female kid goat gifted by another group member

Just Small Change www.justsmallchange.org.uk info@justsmallchange.org.uk Charity number 1154462 38, Orchard Way, Stratford upon Avon CV37 9QE

Can you help? With your support, we can do more. We have no costs in the UK.

Your full donation, plus any gift aid, will be spent on one of our programmes. Whatever you can spare will make a difference to the lives of the very poor. £500 sets up and supports a Village Savings and Loan group for 35 women £50 will provide a nanny goat to a very poor family £25 will provide a reference book and bag for a Village Health Team volunteer £10 will provide a goat keeper with gumboots and a t-shirt £2.10 will provide a VHT volunteer with a pair of heavy-duty gloves

Every penny helps….it’s Just Small Change! You can write to us at the address above, or give online :

We have accounts with Give As You Live, CAF (Charities Aid Foundation) and Stewardship.org. It’s possible to donate online through any of these organisations, via the links on our website “Support us” page.

Online banking with HSBC: Account name: Just Small Change Account no. 32134314 Sort Code 40-43-19 HSBC Bank, Chapel St, Stratford upon Avon.

If you wish to gift aid your donation, please email us at the address above so we can send you a gift aid form, or download one from the “Support us” page of our website.

10. Outputs April 2024 to March 2025

What has been achieved with your donations in the period:

Goat project

Village Savings and Loan Associations

Healthcare

Child nutrition

Sustainable farming

Monitoring programme activities

This report is based on data available up to end March 2025.

A Village Savings and Loans group meeting in full swing

We and everyone involved in our programmes in Budaka thank you for your support.

Beneficiaries of a goat project with some of their children

11. Reserves Policy

We are a very small charity. Therefore, even though we have a stable and generous base of regular supporters, our income fluctuates considerably from year to year, as it is disproportionately affected by grant and gift inflows, which are by their nature unpredictable. 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. The level of reserves at the year-end was above the amount required to fund planned activity for 2025-2026.

12. Risk Management

Principal risks and uncertainties:

Liquidity risk: the Trustees’ policy is to have funds in place at the start of the financial year to cover all planned expenditure for that year.

Funding risk: fundraising, particularly from private individuals, may dip due to the cost of living crisis. We monitor income closely so that we can seek to mitigate any losses. In our reserves, in addition to keeping funds to meet our other 2025-26 commitments, we have designated a sum to cover our largest planned 2025-26 commitment, which is advanced training for health workers.

Operational risk: we are constantly working to improve reporting and recording processes for project operations and for financial management. We liaise with our implementing partner on a weekly basis throughout the year by email and Zoom. We have strengthened our monitoring and reporting process by employing five local support workers to collect data from our projects. This data is sent to us regularly by our partners in Uganda. We visit our projects annually (at the trustees’ expense) to monitor progress, check records and audit spending. We are confident of the integrity and professionalism of our partners in Mbale, Uganda.

13. Charity details and governance

Just Small Change was established with the UK Charity Commission as a Charitable Incorporated Organisation on 5 November 2013. Our charity number is 1154462.

Charity’s principal address:38 Orchard Way, Stratford upon Avon, CV37 9QE

The activities of Just Small Change are managed and overseen by the trustees, all of whom were in post for the entire year:

The power to appoint additional or replacement trustees rests with the existing trustees

Public benefit

The work of Just Small Change provides the following identifiable benefits: Just Small Change establishes savings and loans associations (VSLA) and goat rearing groups as well as training community health volunteers to raise standards of health and hygiene in their neighbourhoods. Beneficiaries are also trained in sustainable agriculture and in child nutrition. Members of our goat and VSLA programmes can for the first time access a safe place to save. Many take small loans to invest in an income generating activity or to help them manage better the many demands on their small resources. All savers benefit from the interest earned by the savings pot. Incomes generated and knowledge gained from all these programmes enable beneficiaries to better feed and educate their families, manage external shocks and sustainably raise their living standards, improving economic resilience. Their increased standing in the community gives beneficiaries greater agency and confidence, with many women reporting improved relationships at home and in the community and some taking up leadership positions for the first time. In choosing our projects, all trustees have had regard to the guidance on public benefit issued by the Charity Commission.

14. Financial Review

Income from grants and monthly donations performed very well this year, rising by 17% and 10% respectively. Despite this, total funds raised from supporters was 28% less than last year because two large gifts received in 2023-24 raised the comparative figure for that year. Overall receipts fell by more (35%) as most of outstanding gift aid due has not been claimed this year. It will be claimed in 2026.

Our accounts have been independently examined by HL Barnes (Chartered Accountants). Their report and a full copy of the accounts is presented separately. A summary of income and spending is included below.

Year to Year to
Annual Accounts to year ending 8 April 08.04.2025 08.04.2024
Receipts
Donations and grants 21,685 29,915
Gift Aid 202 3,080
Paypal charity sales income 52 748
Donation from trustees for bank charges 257 233
Total receipts 22,196 33,976
Payments
Charitable activities 37,724 37,239
Bank charges 257 244
Purchases of materials 22 92
Total payments 38,003 37,575
Net of receipts/(payments) (15,807) (3,599)
Cash funds last year end 63,682 67,281
Cash funds this year end 47,875 63,682
of which: held at bank 42,089 57,926
held in Paypal account 5,786 5,756
Total 47,875 63,682

Notes to accounts:

  1. It is the Trustees’ policy that funding for each year’s planned project activities must be in place at the start of that financial year.

  2. A designated reserve of £9,478 has been created to fund health worker training planned for 2024-5.

JUST SMALL CHANGE Reglstered Charlly No. 1154462 ACCOUNTS FOR THE YEAR ENDED 8 APRIL 2025

JUST SMALL CHANGE RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED 8 APRIL 2025 Year to 08.04.2025 Unrestricted Unrestricted Restricted general - designated Year to 08.04.2024 Total funds Total funds RECEIPTS Donations and grants 15,625 6,060 21,685 29,915 Gift Aid 202 202 3,080 Donations from trustees for bank charges 257 257 233 Paypal charity sales income 52 52 748 TOTAL RECEIPTS 16,136 6,060 22,1g6 33,976 PAYMENTS Charitable activilies Programmes in Budaka, Uganda Bank charges 13.727 13,687 10,310 37,724 37,239 257 257 244 Purchases of materials 22 22 92 TOTAL PAYMENTS 14,006 13,687 10,310 38,003 37,575 NET (PAYMENTS)I RECEIPTS Transfer between funds 2,130 {13,687) (4,250) (15,8071 (3,599) 15,7501 5,750 Cash funds last year end 42,017 17,415 4.250 63,682 67,281 CASH FUNDS THIS YEAR END £ 38,397 £ 9,478 £ 47,875 £ 63,682

JUST SMALL CHANGE STATEMENT OF ASSETS AND LIABILITIES AS AT 8 APRIL 2025 2025 Total funds 2024 Total funds CASH FUNDS Cash al bank HSBC current account 42,089 57,926 Paypal account 5,786 5,756 TOTAL CASH FUNDS £ 47.875 £ 63,682 REPRESENTED BY Unrestricted funds general designaled 38,397 9,478 42,017 17,415 (nole 2) Restricted funds (note 3} 4,250 TOTAL CHARITY FUNDS £ 47.875 £ 63.682 Approved by the Trustees on 3 February 2026 and signed on their behalf by .' M J DONAGHUE

JUST SMALL CHANGE NOTES TO THE ACCOUNTS FOR THE YEAR ENDED 8 APRIL 2025 1. It is the Trustees. policy that funding for each yearfs planned project activities must be in place al the start of that financial year. 2. The designated fund was sel up by the Trustees in Ihe year to 8 April 2023 to fund the Community Health Project. 3. Restricted funds Balance 9 April 2024 Income Expenditure Balance 8 April 2025 Community Health Project Goal Project Village Savings and Loan Associatons 750 3.500 750 3,500 6,060 6,060 £4,250 £ 6.060 £ 10.310 Balance 9 April 2023 Income Expenditure Balance 8 April 2024 Community Health Project Goat Project Village Savings and Loan Associatons 3,907 3.157 9,880 970 750 3,500 13.380 970 £ 3,907 £ 14,350 £ 14,007 £ 4,250

INDEPENDENT EXAMINER'S REPORT TO THE TRUSTEES OF JUST SMALL CHANGE I report to the charity trustees on my examination of the accounts of the charity for the year ended 8 April 2025 which are set out on pages 1 lo 2. Responslbllities and basis of report As the charity's trustees you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 1"the Act"). I report in respect of my examination of the charitys accounts carried out under section 145 of the Act and in carrying out my examination I have followed all the applicable Direclions given by the Charity Commission under section 145(5){bl of the Act. Independent examlner's statement I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect = accounting records were not kept in respect of the charity as required by section 130 of the Act., or the accounts do not accord with those records. I have no concerns and have come across no other rnatters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. H E BOWEN ACA Chartered Accountant H L Barnes Barclays Bank Chambers Stratford upon Avon 3 February 2026