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SOWDEC Scent Of Water
Development & Empowerment Centre
Empowerment Empowering Communities
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Our Programs

At Scent of Water Development & Empowerment Centre (SOWDEC), our programs are built on the pillars of dignity, opportunity, and access. We are passionate about building thriving communities through inclusive interventions in health, education, micro-finance, and empowerment.

From micro-loans to women’s development, youth skills empowerment to health outreach campaigns, we design programs that respond to real-life needs, transform individual stories, and inspire sustainable change.

Through SOWDEC’s initiatives, families gain financial independence, youths discover their potential, and communities grow stronger.

Our Programs

Beneficiary Testimonials

Real stories of transformation through our community microfinance programs.

Testimonial 1
My name is ALICE SILAS, I live at No 3 Odudu Street Agric Ojo. I am a member of Goodness Union in Ariyo Branch. Scent of Water has really helped a lot of people with the loan they have been giving to them of which I am a beneficiary. The loan has helped to improve our business. Personally, I hope to continue to do business with Scent of Water next year 2022 and beyond.
Testimonial 2
My name is TEMITOPE AKINTIBIBO, I live at No 6, Akindele Street Ira Quarter, Ojo. A member of Chichi group in Ariyo Branch. I sell provision. I was introduced to Scent of Water by a friend. I have no cause to regret doing business with them. Because I have gained a lot from them. Thank you very much scent of water, hope to continue to do business with you.
Testimonial 3
My name is OLABISI MITHONGOYI, I live at No 15, Surulere Street Ariyo Street. I sell provision and food Stuff. Things were not easy for me at that time when I saw my CO and ask about Scent of Water. After her explanation I decided to collect loan (Daily) from them and since then I have been doing business with them. They have been helping financially, my business is doing well and am able to fulfill some of my life long wishes.
Testimonial 4
My Name is Joy Aketi, a member of Goodness Union in Ariyo Branch. I live at No 19 Mike Opeseyi Street, Isanashi. I deal on supply of Red Oil. I have been seeing the CO pass by my Shop on a daily basis. Out of curiosity I call and enquire what she does. After explaining to me I join the union and I collected loan from her. Today am happy I joined Scent of Water because business has really improve since I collected their money to add to my business.
Testimonial 5
My name is ALIU ESTHER, I live at No 2A Ojo Local Government Quarters Ojo. I belong to Goodness Union in Ariyo Branch. I started doing business with scent of Water 2 years ago. I started through the daily contribution. There was a time things were very difficult with me. I discussed with the CO and she advised me to collect loan (Daily), though I was scared initially but am happy I joined them. The repayment is very easy to pay as it is done daily. May I God continue to bless Scent of Water for us.
Testimonial 7
Ijeoma Blessing Ejike is my name. I live at No 109 Agboola Adebayo Way Jakande. Ever since I joined the organization to access loan, I have been able to acquire my own Shop for doing business that has led to the expansion of my business. Paying back the loan is very easy as it is paid daily. They are very prompt in attending to me whenever I need loan.
Testimonial 8
My name is Adewalehinmi Evelyn Victoria. Am a member of Ifelodun Union in Ajangbadi Branch. It has been a great testimony so far. God has bless my business with Scent of Water. My business has been upgraded within a few months of doing business with them. I started small but am making steady progress. Scent of Water has really open my eyes to better ways of doing business. I pray that God Almighty, will continue to bless and increase their Strength.
Testimonial 9
I am ESTHER IFEANYI, I live at No 19 Moshalashi Street, Ilogbo. I belong to Glory Union in Ajangbadi Branch. Since I started collecting loan from scent of Water, my business has been growing every day. I have been using this money to train my children and also to pay my shop and house rent. God bless Scent of Water.
Testimonial 10
My name is Nonoawawo Badmus. I live at No 20 Ilogbo Road. I have been doing business with Scent of Water for the past 10 months. I started collecting loan from them since March, 2021. Since then my business has grown very well and I have been paying back the loan very well. I have never regretted borrowing from them. The prayers that the manager pray for me during disbursement make the money to be easy to pay back.
Testimonial 11
My name is KUBURA SALAM, a member of OPEYEMI union at Amuwo Branch Amuwo Odofin, Lagos. I live at No 4, Casco Street, off Old Ojo Road, Demorose Bus stop. I sell vegetable and tomatoes. Before I joined the union at Scent of Water to access loan, nobody was willing to assist me financially in my business, until I was introduced to scent of water, who assisted me. One of the thing I like about their loan is the method of repayment. It is very easy and flexible to pay as it is done every day. I want to say a big THANK YOU to scent of water for coming to my rescue, when nobody did.
Testimonial 12
My name is TOYIN RAJI, I live at No 7 Casco Street Agboju, Amuwo. I am a member of OPEYEMI Union at Amuwo branch. I sell Tomatoes, Pepper and other food spices. The money I collected from Scent of Water has impacted greatly in my life and business. I used the money to buy my produce in large quantity to sell. This has increase my customers’ base and income that I make from my business. I say a big thank you to Scent of Water.
Testimonial 6
My name is Amusa Sikirat Bola. I am a member of Glory Union Ajangbadi Branch. I live at No 59 Muniru Street Itire Bus stop Ilogbo Road. Since I started collecting loan from this organization, my business has been moving very well. I like the money of Scent of Water, because it is not giving me any problem. The money has assisted me to train my grandchild in school and the paying back method is not stressful. My CO and manager are very good to me.