Success Story 4: Strengthening Business Discipline and Household Stability

Christiana Abugiya from Zuarungu-Daboore participated in the financial literacy and business management training organised by the Widows and Orphans Movement (WOM) in partnership with the KGL foundation. Before the training, she often spent her daily sales income to meet her children’s immediate demands and struggled to plan how to use her savings when she received them. She also saved with only one VSLA group and lacked a clear financial direction.

Through the training, the leaky pot analogy helped Christiana identify unnecessary expenses and strengthen her spending discipline. As a result, she expanded her savings efforts, increasing her participation from one VSLA group to four. During the share-out period, she used part of her savings to purchase a goat, which she intends to grow as a productive asset.

Christiana also invested in improving her household stability by resuming construction of a house left unfinished after her husband’s death. She is now gradually completing the building and plans to move in with her children once it is finished, providing them with a secure, stable home.

In addition, the training positively influenced her business practices. Previously, she frequently closed her shop to attend funerals and other social events, leading to lost income. Today, she keeps her shop open consistently. When she needs to attend social functions, she waits for her children to return from school so she can help manage the shop, ensuring uninterrupted business operations and steady income.

Christiana describes the training as empowering and life-changing, helping her gain control over her finances, strengthening her business discipline, and building long-term security for her family.

This story highlights how improved financial discipline can translate into stronger livelihoods and household stability.