Micro-Credit has been used as a development tool globally for poor women to enable them run income-generating activities for their livelihoods. There have been a lot of success stories in relation to the use of micro credit in developing countries. However, in recent times, the concept has been abused being used as an exploitative tool for some business people. Many vulnerable and poor women have been left in a more deplorable state because micro-finance institutions charge exorbitant interest rates which were not favorable for them and their businesses. Consequently, their income generating initiatives cannot be sustained. Moved by the plight of our beneficiary group, VTF Programme offers micro-credit to entrepreneurs in order to have the needed financial leverage for business growth. Since 2012, a number of young people have benefitted from micro-credit support and as a result they have expanded their businesses in different ways. Some have added on additional equipment, purchased properties, upgraded their working places which also enabled them employ others. A number of training activities are also held for the clients of the micro-credit. A very low interest rate is charged to sustain the fund.