"It's working, the only issue that we have is that demand far outstrips what we can actually deliver," said project manager Hugh McNeill.
People who come through the charity's doors have "no financial resilience whatsoever, they've borrowed and they've sold everything they've got", he added.
"You can go right round the country and it's exactly the same in every city and every town."
For Wester-Okiya, hopes of building resilience are a long way off.