Adzo and the journey to empowerment 

What do you do when your children leave home and you now have the chance to make your own contribution and not rely on your husband to pay the monthly bills? This was a lifechanging opportunity for Adzo Agbanyo.

Kat Gulyas
Digital Marketing Manager

 Adzo using her first loan to open her first market stall

Adzo using her first loan to open her first market stall

She could now start her own business in the market, selling clothes. She used to make them for her children all the time and loves how something she enjoys doing can help her be financially independent. As her business grew, one Deki loan turned into three. She became more confident and empowered, armed with a wealth of big ideas and business training from our field partner. Her dreams became possible and other women in the community noticed it too.  Adzo’s success was empowering women in her community to become financially independent, savvy entrepreneurs, just like her. This is Adzo’s story. 

She starts the day at home, taking care of her house and small garden before heading to the market. Days are long when you work 60 hours a week, but with her children all grown up, she’s doing it for herself and to help other women feel inspired and empowered by her example.

When she applied for her first Deki loan, she wanted to extend her clothing range. Her new designs attracted customers from far and wide, and many wanted other products as well. Recognising the opportunity for extending her business, she started to think long term. By the time she repaid her loan, her eyes were set on owning a big shop, not just having a market stall. To establish her business further, she applied for her second loan, bringing in a range of cosmetic products, just what her customers have been asking for. It allowed her to start saving for her future shop and even got a new metal roof for her house. 

 Adzo with her expanded market stall

Adzo with her expanded market stall

She says she wouldn’t have been able to do it without all the training and support from IADES, our Togolese field partner. The ‘Avoid selling at credit’ course was an eye-opener for her – at the market you know everyone, all your customers, so it’s easy to agree on getting your payment later – but it made her income fluctuate too much and she never knew how much money she would have from one day to another. Now that she can stay on top of her finances, the dream of opening her shop is slowly becoming a reality.

With her third loan, Adzo had saved money to buy the land where her shop will be. She’s still repaying it and putting 80% of her income back into her business. Achieving her big dream will take time, but she knows that she’s on the right track with Deki and IADES. In the meanwhile, she continues to inspire others in her community to follow their dreams, become entrepreneurs like her and have a financially sustainable future. Nicely done, Adzo!


With Deki, you can provide life-changing amounts of money to those in marginalised communities. 100% of your loan goes to your chosen entrepreneur. Lend now, or become a Deki Friend.