The research was conducted throughout Kampala in a range of settings. This research paper examines which groups among the poor Uganda Women’s Finance Trust (UWFT) reaches. It aims at understanding the nature of risks confronting the poor clients of the UWFT and how financial services improve client’s capacity to manage and control assets and build up their asset base to protect against and cope with risks. The research paper analyses how microfinance services enable clients to use assets to maintain a minimum economic threshold.