A Non Government Organisation (NGOs) A registered Charity: No. SO 8485 HEAD OFFICE P.O BOX 72 Biharamulo Tel:+255 28 2225173/2225085 Tanzania Fax: +255 28 2225001/2225052 E-mail: [email protected] Cell: +255 28 784 784906/788 369136
A Non Government Organisation
(NGOs)
A registered Charity: No. SO 8485
HEAD OFFICE
P.O BOX 72 Biharamulo Tel:+255 28 2225173/2225085
Tanzania Fax: +255 28 2225001/2225052
E-mail: [email protected] Cell: +255 28 784 784906/788 369136
FAIDERS PROFILE.
1.0 BACKGROUND
Facilitation for Integrated Development and Relief Services, in short FAIDERS, is a
membership local Non – Governmental Organization (NGO) registered as a charitable
organization on 1/09/1995 with registration No. SO 8584. It is guided by her constitu-
tion for management and control of its affairs .FAIDERS was founded by 11 members
and to date the number has risen to 18 persons composed of 12 men and 6 women.
Structurally, FAIDERS members form the General Assembly that meets twice a year.
The General Assembly delegates powers to the Board. Presently the Board is composed
of 9 members (6men and 3 women) to oversee the management and other FAIDERS op-
erations. It meets 4 times a year.
FAIDERS is staffed with 16 employees and headquartered in Biharamulo where the per-
manent offices are located. It also has a service center in Karagwe District to bring ser-
vice closer to the community in terms of outreach and monitoring operations. In Bihara-
mulo, FAIDERS’ office is situated about 300m. from the main Bus STAND within the
township near Biharamulo R.C. Parish. Please see the sketch map below:-
3.0 VISION
♦ “To have a confident, self motivated and poverty free community”.
4.0 MISSION STATEMENT
♦ “To facilitate a sustainable development process towards improved socio – eco-
nomic living standards of the community”.
6.0 MAIN OBJECTIVES
In order to operate within its Vision, Mission and maintain its core values, FAIDERS is targeting
to achieve the following objectives.
♦ To promote rural community in the fields of economic, environment and financial ser-
vices as well as other activities related with the improvement of peoples living condi-
tions.
♦ To facilitate the reduction of poverty through individual household by participating in
the Savings and Credit activities in their respective groups.
♦ To facilitate the sustainability of Savings and Credit Associations through financial mo-
bilization locally and improved governance practices.
♦ To facilitate the rural community in fighting poverty through training in entrepreneur-
ship skills so as to utilize the locally available resources for development and undertake
economic activities.
♦ To mainstream gender, HIV/AIDS and other crosscutting activities that add value to the
Savings and Credit programme as a core activity.
7.0 AREA OF OPERATION AND TARGET GROUP
♦ FAIDERS is operating in all districts of Kagera Region namely: Bukoba, Muleba,
Karagwe, Ngara, Biharamulo, Chato, Missenyi districts and part of Geita District in
Mwanza Region.
♦ FAIDERS is focusing on rural financial service provision by targeting the rural commu-
nity with low and middle earnings. The categories of the rural community are identified
by the main activities they do for their livelihood.
♦ The target groups in the coverage area include small farmers, livestock keepers, fisher
folk, small scale entrepreneurs, beekeepers and low cadre civil servants such as teachers,
nurses, drivers, office attendants and others.
♦ They are organized into groups officially known as Savings and Credit Associations
(SACAs) whose members range between 15 and 50 persons each SACA.
8.0 MODE OF OPERATION
♦ FAIDERS facilitates SACAs in building their capacities through training, establishment
of leadership and writing of constitution for enabling SACAs to exercise ownership and
function properly.
♦ SACAs mobilize their own financial resources in terms of shares, entrance fees, and
compulsory/ voluntary savings.
♦ The mobilized fund is borrowed by members for engaging in both economic and social
activities. When more money is needed then FAIDERS comes in by
extending additional funds to enable an individual SACA to meet its members’
growing demands.
♦ Reliability, honesty and transparency ♦ Exemplary staff personality
♦ Competency, hard work and commit-
ments
♦ Teamwork
♦ Respect and self-esteem ♦ Motivated staff
♦ Punctuality ♦ Efficiency and customer care
♦ Integrity ♦ Collaboration
♦ Patriotism and voluntarism
9.0 CURRENT STATUS
♦ To date (2008) there are 183 SACAs comprising of 3557 members (2149 males and 1408
females). FAIDERS’ interlending fund amounts to Tsh. 278,000.000.= and the total
loans distributed since 1998 amounts to Tsh. 1,033,028,835/=.
10.0 SERVICES OFFERED
FAIDERS microcredit services delivery is through Savings and Credit operations by offering to
clients the financial and non – financial services.
FINANCIAL SERVICES NON – FINANCIAL SERVICES
a. Provision of loans for increasing associations’
lending capital.
• Managing an interlending loan facility by
topping upon individual association’s own
capital for onward lending to individual
members.
a. Community mobilization and formation of new
associations.
• Dissemination of information to the community
on the Savings and Credit systems.
• Organizing meetings at community level and
physical visits to organized groups with
facilitation of local leadership.
b. Outreach and advisory support.
• Offering regular extension services to Savings
and Credit Associations to provide guidance,
advisory and monitoring support.
• Visits made to each association during
members’ monthly meetings.
b. Capacity building.
• Conduct training at the association level to
increase capacities and competencies of both
leaders and members.
• Leaders’ trainings involve Board, treasurer,
supervisory and education committees’
members.
c. Auditing of associations’ books of accounts.
• Facilitate annual auditing of associations’
books of accounts to enable the members
know the financial position/status of their
association.
• The report helps members to make appropriate
decisions for future improvement in terms of
operations and performance.
c. Partnership building, networking and linking the
associations with other partners.
• FAIDERS organizes networking forums for
itself and associations and facilitate exchange
visits among associations in order to share
experience and learn from each other as a means
of improving performance.
• It also plays an intermediary role by linking
Savings and Credit Associations with other
development partners for collaboration purposes
at local, district, regional, .national and
international levels
d. Environmental conservation.
• It is a subsidiary undertaking to promote
agro – forestry practices.
• Carry out watershed conservation and
management as well as regeneration of natural
vegetation
e. HIV/AIDS Issues.
• HIV/AIDS Work Place Programme
• External mainstreaming of HIV/AIDS
d. Supply of standard books and papers of
accounts.
• Funds collection and disbursement forms
• Receipt and payment vouchers
• Ledger cards
• Passbooks
• Cash analysis books
11.0 EXPERIENCES FROM PREVIOUS ASSIGNMENTS
♦ In 2005 FAIDERS was contracted by the Smallholders Dairy Support Programme (SDSP) to build
capacity of Dairy farmers in Kagera Region.
♦ The objective of the assignment was to build capacities of 24 Diary Farmers Associations (DFAs)
in the areas of general record keeping, conflict management, leadership and management skills,
basic book keeping and development of Savings and Credit Associations.
♦ The assignment lasted for six months but it was extended for another six months in order to con-
solidate and strengthen the functioning of DFAs.
♦ In the second assignment, emphasis was on governance, management of SACAs, setting up ac-
counting systems and procedures as well as writing of three years (2006 – 2008) Business Plans
for each DFA.
12.0 COMPETENCIES
FAIDERS has, in the last 9 years, registered note worthy successes in savings mobilization and credit
delivery and recovery systems. In so, doing its staff has gained competencies in:-
♦ Community mobilization by organizing and facilitating relevant meetings involving all stake hold-
ers at the community level.
♦ Formation of groups, setting up administration and management systems and formalizing leader-
ship.
♦ Writing of constitution and establishment of record keeping systems as well as developing rules
and regulations for the members and leaders accountability.
♦ Facilitation and training on management systems, development principles, governance, account-
ing, strategic planning, business planning and budgeting as well as entrepreneurship skills.
♦ Networking and linking with relevant development partners for exchange of experience and learn-
ing from each other.
• Building the capacity of institutions/associations at community level to enable them to carry out
the roles and responsibilities of co – ordination, facilitation, monitoring and evaluation for these
institutions to operate sustainably.
13.0 ORGANIZATION CAPACITY
11.1 OFFICE ASSETS:
♦ FAIDERS has a permanent office which is equipped with basic assets including two motor
vehicles, three motor cycles, ten computers, furniture and fittings, generators and other office
equipment.
♦ The service center in Karagwe is also equipped with necessary office equipments.
11.2 STAFF RESOURCES AND CAPACITY
♦ FAIDERS has a total of 16 staff out of whom 11 are professionals in various expertise and
the remaining 6 are support staff including office secretaries, drivers, watchmen and volun-
teers.
♦ The summary of staff specialization , expertise and experience is shown below:-
NO NAME OF
STAFF
EXPERTISE/SPECIALIZATION EXPERIENCE
1 Christian Bya-
mungu
Administration and management of credit programmes;
Establishment and moderation of groups; Resource mo-
bilization; Peace/confidence building; Legal advisory
support; Project design and proposal development;
Leadership skills development; Humanitarian and relief
aid management.
20 years
2 Leon Kassano Finance and administration; Co-operative society man-
agement; Savings and Credit systems management;
Community mobilization; Co-operative auditing and
inspection
28 years
3 Ahmad Kisili Project co–ordination ; Project planning, monitoring
and evaluation ; Community management capacity
building ; Community training manual development ;
Savings and Credit systems management ; Strategic
planning and business plans; Logical framework analy-
sis.
26 years
4 Deo Tindyebwa Secondary School teaching; Cargo tolling and account-
ing; Management of information technology; Commu-
nity mobilization and management of rural microcredit
programme; Accounting and auditing of Savings and
Credit Associations;
24 years
5 Edwin Mugarula Community mobilization; Capacity building and man-
agement of Savings and Credit schemes; Personnel
management; Computer programming and design;
Loans evaluation and assessment.
11 years
6 Nusura Kinyunyu Accounting (Cashier); Secretarial services; Monitoring
of rural microcredit schemes; Auditing of Savings and
Credit Associations.
9 years
7 Pili Mkaka Secretarial services; Farmers outreach services; Com-
munity mobilization in rural microcredit progamme;
Accounting in Saving and Credit Association; Capacity
building and management of rural Savings and Credit
schemes as well as loans evaluation and assessment.
12 years
8 Benedict Katonda Primary school teaching; Savings and Credit Co-
operative Societies (SACCOs) management and ac-
counting.
7years
9 Liberata Gerald Microfinance cashier and accounting 8 years
10 Mecktilda Marco Secretarial services; Computer programmes application
skills in Ms word, excel, publisher, data base, power
point and internet.
10 years