THE MOST SGNIFICANT CHANGE STORY- KWAMTORO.

WORLD VISON TRANSFORMED MY LIFE.
When Mr. Christian Matano visited by the Kwamtoro ADP facilitator, had the following
to narrate.
“My name is Christian Matano. I am a father of four children. My first born is in
secondary school while others are in primary school.
Warm welcome! When I see a World Vision staff I become very happy because they do
help us with great love. And in reality the organization took us very far.
Before they came to our area we had had very tough life. In the past we used to hunting
and collecting honey in the bush. But as the type and range of animals hunted for food
diminished many people tried agriculture. But they were very blind on agricultural
practices!
We thank God that the World Vision came at the right time to give people the right skills
required in agriculture. After all the governments’ effort to ensure extension services
reach all people engaging in agriculture was not of promising! They had the burden of
providing relief food even when the drought was not the case! This was due to poor
farming techniques.
In the past people spread seeds on untilled land then turn the soil with hand hoe! And
they managed to do this with 1-2 acres only. No one bothered with application of manure,
planting in rows, thinning or what! During harvesting they end up with 2 or 3 bags of
maize or millet. Funny enough the same little produce was used in making local brew
called ‘‘KHAMEE’’ Many families faced food shortage including myself.
In 1992 when the ADP came the situation found was very discouraging. The area was
characterized with low production, high level of illiteracy, poor health services as well as
bad leadership.
The ADP started with different sensitization meetings and trainings. Different groups
were trained on improved crop production, good animal husbandry, health issues,
environmental conservation, importance of education, leadership skills etc. Furthermore
they provided us with farm equipments such as ox-plough, solo pumps, moneymaker
pumps and oil seeds pressing machine.
That time I was a member of the ADP committee and to be an exemplary to other
community members. I bought different items including ox-plough and oil seeds
pressing machine which sold at a subsidized price. I also attended different trainings
conducted within and out the ADP operation area. I remember one challenging study visit
to Mpunguzi ADP. The visit revealed how far we are lagged behind others in
development. People were very social, very hard worker and committed to development
activities.
With the ADP partnership we have attained very great changes. Today almost every
farmer, herdsmen, businessmen or vendors can stand and say a lot about them. Myself no
one can cheat me on mixed farming, issues of primary health care, importance of sending
my kids to school, food storage, human rights etc. It’s my belief that if every member of
this community observes and make use of the skills equipped through Word vision
intervention, we will enjoy standard life complying to21st century.
In the past I used hand hoe! Today I have ox-plough. I owned only 2 acres while using
hand hoe! Today I have 10 acres. We are food secured since we harvest 20 bags of either
maize or millet simultaneously with 30 to 35 bags of sunflower. Before the Kwamtoro
ADP intervention, no one knew sunflower crop. Today almost eight households out of
ten produce sunflower as a cash crop. In the past we had only one cash crop (rosella).
‘‘Do you can see that machine’’. He stretched hand pointing on manual seed oil pressing
machine! About five bags of sunflower are being pressed here seasonally. My wife does
not buy cooking oil for a long time now. I use this machine as a joint project which also
leads to multiproduct. You know what! ‘‘First we get cooking oil and then we have the
seedcake for the chicks and pigs’’.
Do not forget! His wife interrupted. ‘‘Every week we slaughter a chick to make a very
nutritious and palatable meal for our kids’’. Our kids enjoy every bit of the poultry and
piggery projects’’ Many times it is through sales of pigs and chicks that our children get
their scholastic materials as well as treated mosquito nets that no long provided by the
Malaria Control Project. Thank you the World Vision for leading us towards self
reliance and sustainable development” He concluded

ABOVE: From left hand side is Vincent (Kwamtoro ADP-Programme
facilitator) when visited Matano’s family.
ABOVE: Mr. Matano’s family in front of their improved house, the
kid in grey gown with blouse is their sponsored child.
ABOVE: Mr. Matano walking in his farm planted after been tilled
using ox-plough.
ABOVE: Matano’s piggery project at Magambua village.
ABOVE: Mrs. Matano while feeding chicks.

PHOTOS FOR SUNFLOWERS

SERA YA AKIBA NA AMANA LAKWAO TSACCOS

1
Namba ya kuandikishwa . ……………………
SERA YA AKIBA NA AMANA
YA
CHAMA CHA USHIRIKA WA AKIBA NA MIKOPO
CHA
LAKWAO TALANTA
SAVINGS AND CREDIT COOPERATIVE SOCIETY (2008) LTD.
LALTA
OVADA KWAMTORO
2
YALIYOMO
YALIYOMO ......................................................................................................................... 2
SERA YA AKIBA NA AMANA ............................................................................................ 3
UTANGULIZI .................................................................................................................. 3
DIRA YA CHAMA ........................................................................................................... 3
AZMA/MWELEKEO WA CHAMA .................................................................................. 3
MIPANGO YA MBELENI ................................................................................................ 3
MADHUMUNI YA CHAMA ............................................................................................. 3
SEHEMU YA 1 .................................................................................................................... 4
VYANZO VYA FEDHA ZA CHAMA ............................................................................... 4
SEHEMU YA II .................................................................................................................... 5
AINA ZA AKAUNTI ZA AKIBA NA AMANA ................................................................. 5
SEHEMU YA III ................................................................................................................... 5
UTARATIBU WA KUPOKEA AKIBA NA AMANA ........................................................ 5
a) Akiba na amana za wanachama .................................................................. 5
SEHEMU YA IV................................................................................................................... 6
AKIBA NA AMANA KUTUMIKA KAMA KIGEZO NA DHAMANA YA MIKOPO ......... 6
SEHEMU YA V .................................................................................................................... 6
MUDA WA KUWEKA AKIBA NA AMANA .................................................................... 6
SEHEMU YA VI................................................................................................................... 7
KUCHUKUA NA KUREJESHA AKIBA NA AMANA ZA MWANACHAMA ................... 7
SEHEMU YA VII ................................................................................................................. 7
USALAMA WA AKIBA NA AMANA ZA MWANACHAMA ............................................ 7
SEHEMU YA VIII ................................................................................................................ 8
RIBA JUU YA AKIBA NA AMANA ZA MWANACHAMA ............................................. 8
3
SERA YA AKIBA NA AMANA
LAKWAO T SACCOS(2008) LTD
UTANGULIZI
Sera ya akiba na amana ni mwongozo ulioandaliwa na chama cha ushirika wa
Akiba na mikopo (LAKWAO T SACCOS LTD) kwa ajili ya uwekaji akiba na amana
za wanachama na wateja wake.
Talanta chama cha ushirika cha Akiba na mikopo (LAKWAO T SACCOS LTD) ni
asasi ya hiari ya kifedha inayowahudumia wanachama na wateja
wanaojishughulisha na shughuli mbalimbali za kiuchumi katika tarafa ya
Kwamtoro. Makao makuu ya chama yapo katika kijiji cha Ovada.
LAKWAO T SACCOS LTD imeandikishwa kama chama cha ushirika wa akiba na
mikopo chini ya sheria ya ushirika na. 20 ya mwaka 2003 na imeandikishwa kwa
Na ………………………...
DIRA YA CHAMA
Asasi ya kifedha inayoongoza katika utoaji wa huduma bora za kifedha vijijini
kwa kushirikisha wadau wote.
AZMA/MWELEKEO WA CHAMA
Kuwawezesha wanachama wengi kununua hisa, kuweka akiba na amana ili
kupata mikopo yenye masharti na gharama nafuu ili kujieletea maendeleo
endelevu.
MIPANGO YA MBELENI
a) kuhamasisha na kuelimisha jamii kujiunga na LAKWAO T SACCOS LTD
b) kushirikiana na asasi nyingine za kifedha za ndani na nje ya nchi
c) kuajiri watumishi wenye uelewa pevu juu ya ushirika wa akiba na mikopo
ili watoe huduma bora na endelevu kwa wanachama na wasio
wanachama.
MADHUMUNI YA CHAMA
Madhumuni ya LAKWAO T SACCOS LTD pamoja na mambo mengine ni:-
(a) kuendeleza uanachama wa mtu mmoja mmoja na kukuza uwezo wao
kiuchumi ili kuwawezesha kujiwekea akiba, kukopa kwa ajili ya shughuli
za kiuchumi na kurejesha kwa wakati kupitia vikundi vyao vya
wanachama 10-15.
(b) Kupokea kiingilio, hisa, akiba na amana kutoka kwa wanachama na
kutoa mikopo kwa kuzingatia kiwango cha akiba na amana za
mwanachama.
(c) Kujenga tabia ya kujiwekea akiba na amana na kuepuka matumizi
yasiyo ya lazima miongoni mwa wanachama.
4
(d) Kuweka viwango vya riba juu ya akiba, amana na mikopo kwa
wanachama dhidi ya hasara/majanga.
(e) Kuunda mtaji wa kutosha kuendesha shughuli za LAKWAO T SACCOS
LTD.
(f) Kujenga na kuimarisha uwezo wa wanachama kuendesha na kusimamia
chama kwa njia ya elimu ya ushirika na ushirikishwaji wa wanachama.
(g) Kubuni utaratibu mzuri wa kutoa taarifa za shughuli za LAKWAO T
SACCOS LTD kwa wanachama na kupokea maombi ya wanachama
wapya.
(h) Kununua hisa na dhamana (bond) kwenye vyombo vya fedha na serikali
baada ya kufanya utafiti wa kina wa kitaalamu.
(i) Kuwawezesha wanachama kuongeza kipato katika kaya na kusaidia
kuongeza mzunguko wa fedha katika eneo lao kwa kuhakikisha kuwa
huduma na mahitaji muhimu yanapatikana kwa urahisi katika eneo la
LAKWAO T SACCOS LTD.
(j) Kutoa elimu ya ujasiriamali na uendeshaji na usimamizi wa biashara
kwa wanachama.
(k) Kushirikiana na taasisi nyingine za fedha na vyama vingine vya akiba na
mikopo kwa ajili kuongeza mtaji wa chama cha kusaidiana.
(l) Kufanya shughuli nyingine muhimu kwa manufaa ya wanachama na
ustawi wa LAKWAO T SACCOS LTD.
SEHEMU YA 1
VYANZO VYA FEDHA ZA CHAMA
LAKWAO T SACCOS LTD inatarajia kupata fedha kwa ajili ya kuendesha shughuli
zake, kuwekeza kwenye vitega uchumi na kutoa mikopo kwa wanachama
kutoka vyanzo vifuatavyo:-
a) Viingilio vya wanachama
b) Hisa za wanachama
c) Akiba za wanachama
d) Amana za wanachama na wateja
e) Faida kutoka Benki
f) Mikopo kutoka taasisi zingine
g) Adhabu/faini
h) Misaada au zawadi au ruzuku
i) Akiba na malimbikizo ya lazima
j) Faida kutoka vitega uchumi kama vile gawiwo (dividend) kutoka
makampuni mbalimbali ambako LAKWAO T SACCOS LTD imenunua
hisa/imewekeza.
k) Riba kutoka mikopo ya wanachama
l) Riba zitokanazo na kuhifadhi amana za wateja
m) Viingilio vya wanachama
5
SEHEMU YA II
AINA ZA AKAUNTI ZA AKIBA NA AMANA
LAKWAO T SACCOS LTD itaendesha aina tofauti za akaunti ya akiba na amana
kama ifuatavyo:-
a) Akaunti za akiba
i) Akaunti ya akiba ya lazima kwa ajili ya kujenga fungu la
kukopeshana.
ii) Akaunti ya akiba kwa ajili ya elimu ya watoto
b) Akaunti za amana
i) Akaunti ya amana ya kawaida kwa ajili ya matumizi ya kila siku
ya mwanachama au mteja
ii) Akaunti ya amana ya muda maalum (muda unaweza ukawa ni
wa miezi kadhaa (sita) au miaka kadhaa (mf. Miwili)
SEHEMU YA III
UTARATIBU WA KUPOKEA AKIBA NA AMANA
a) Akiba na amana za wanachama
i.) kuweka akiba katika LAKWAO T SACCOS LTD ni jambo la lazima
kwa kila mwanachama. Kila mwanachama wa LAKWAO T SACCOS
LTD ni lazima ajenge tabia ya kuweka akiba mara kwa mara ili
kujenga fungu la kukopeshana kama ilivyo katika masharti.
ii.) Mwanachama anaweza kuweka amana katika LAKWAO T SACCOS
LTD.
iii.) Akiba na amana zitalipwa kwa fedha taslimu tu na sio vinginevyo
iv.) Fedha za mwanachama zinaweza kupelekwa/kuwekwa na mwenye
akaunti yeye mwenyewe au mweka hazina wa kikundi chake au
kiongozi yeyote wa kikundi chake au mtu yeyote atakeyekuwa
ameaminiwa na mwenye fedha.
v.) Mweka hazina wa LAKWAO T SACCOS LTD ni lazima aandike
stakabadhi ya fedha mara tu akishapokea fedha za mwanachama
akifuatiwa na maingizo katika vitabu na kumbukumbu nyingine za
fedha kulingana na mfumo wa uhasibu uliopo.
b) Amana za wateja
Wasio wanachama (wateja) wanaweza kuweka amana zao katika
LAKWAO T SACCOS LTD kwa kulipia gharama kidogo. LAKWAO T SACCOS
LTD inaweza kupokea amana kutoka kwa makundi mbalimbali kama
vile:-
6
i) Wafanyabiashara wanaokuja kununua mifugo au mazao kwa
kuhifadhi fedha zao na kuchukua kidogo kidogo kulingana na
mahitaji yao ya kibiashara
ii) Taasisi zinazokuja kuendesha mafunzo au semina wanaweza
kuhifadhi fedha zao kwa usalama kwa muda katika chama.
iii) Wananchi wa kawaida na/ au taasisi zilizomo ndani na/au nje
ya eneo la chama.
Mteja anayekuja kuweka fedha zake katika LAKWAO T SACCOS LTD atatozwa
ada ya asilimia moja (1%) ya kiasi cha fedha kilichowekwa kwa kipindi cha
mwezi mmoja. Baada ya muda/kipindi hicho kupita ada yake itakuwa nusu ya
asilimia (0.5%) ya kiasi cha fedha kilichobaki.
SEHEMU YA IV
AKIBA NA AMANA KUTUMIKA KAMA KIGEZO NA DHAMANA YA MIKOPO
a.) Akiba na Amana za wanachama wa LAKWAO T SACCOS LTD zitatumika
kama kigezo na dhamana ya mikopo.
b.) Mwanachama ataruhusiwa kukopa mara mbili ya kiasi cha akiba na
amana alizonazo chamani wakati wa kuomba mkopo.
c.) Amana za mwanachama zinapotumika kama dhamana ya mkopo
hazitaruhusiwa kuchukuliwa hadi pale mkopaji atakaporejesha mkopo
aliopewa pamoja na riba yake.
d.) Kiasi chochote cha akiba na amana alizonazo mwanachama
kitamwezesha kuomba mkopo.
SEHEMU YA V
MUDA WA KUWEKA AKIBA NA AMANA
a.) Mwanachama wa LAKWAO T SACCOS LTD ataweka akiba na amana wakati
wowote wa mwaka kulingana na hali ya mapato.
b.) Mwanachama ataweka kiasi chochote kile kwenye akaunti yake ya akiba.
Hata hivyo mwanachama anashauriwa kuweka kiasi kisichopungua
asilimia kumi (10%) ya mapato yake anayopata kwa vipindi tofauti.
7
SEHEMU YA VI
KUCHUKUA NA KUREJESHA AKIBA NA AMANA ZA MWANACHAMA
Mwanachama wa LAKWAO T SACCOS LTD atarejeshewa au kuchukua akiba zake
endapo:-
a) Ataamua kujitoa
b) Atahama eneo la chama
c) Atafukuzwa uanachama
d) Atathibitika kuwa ni mwenda wazimu (mwanachama aliyepata na
kuthibitika kuwa ni mwendawazimu anaweza kurejeshewa haki zake au
kukabidhiwa kwa mtu yeyote atakayeteuliwa naye kumiliki haki zake
kwa niaba yake).
e) Atafariki dunia (mwanachama anapofariki dunia haki zake zote
zitahamishiwa kwa mrithi wake au kama aliweza kutoa maagizo yoyote
yatafuatwa).
f) Kupata ulemavu wa kudumu (kwa mwenye ulemavu wa kudumu hisa na
akiba zake zitaweza kurejeshwa kwa kulingana na aina ya ulemavu au
uamuzi wake mwenyewe).
Amana za mwanachama wa LAKWAO T SACCOS LTD zinaweza kuchukuliwa
wakati wowote ule kulingana na masharti ya chama. Mwanachama aliyepoteza
sifa za uanachama anaweza kuweka amana katika chama.
SEHEMU YA VII
USALAMA WA AKIBA NA AMANA ZA MWANACHAMA
Ili kuhakikisha kuwa fedha za wanachama na wateja wa LAKWAO T SACCOS LTD
zinakuwa salama mambo yafuatayo yatazingatiwa:-
a) Fedha zote zitapokelewa na mwenye mamalaka ya kupokea fedha kwa
niaba ya chama (mweka hazina)
b) Chama kitaajiri mweka hazina mwenye ujuzi na uaminifu wa hali ya juu
c) Ofisi ya chama italindwa na mlinzi mwenye silaha ya masafa ya mbali
d) Fedha zitawekewa bima
e) Fedha zitahifadhiwa katika benki ya CRDB isipokuwa kiwango/kiasi
kidogo kwa matumizi ya dharura.
f) Ofisi ya chama itakuwa kwenye jengo imara na la kudumu
g) Kutakuwa na kasiki kwa ajili ya kutunzia kiasi kidogo cha fedha
h) Kiasi cha fedha cha chini kabisa kitakachotunzwa katika kasiki kwa
matumizi ya dharura kitakuwa Tshs. 500,000/=
8
SEHEMU YA VIII
RIBA JUU YA AKIBA NA AMANA ZA MWANACHAMA
LAKWAO T SACCOS LTD inaweza kutoa riba/faida juu ya akiba na amana za
mwanachama. Riba inayoweza kutolewa kwa ajili ya akiba na amana
zilizowekwa na wanachama itakuwa pungufu kwa asilimia moja (1%) ya ile
(riba) inayotolewa na benki ya NMB/CRDB kwa mwaka.

MASHARTI LAKWAO(2008)TSACCOS LTD

1
Namba ya kuandikishwa . ……………………
MASHARTI
YA
CHAMA CHA USHIRIKA WA AKIBA NA MIKOPO
CHA
LAKWAO TALANTA
SAVINGS AND CREDIT COOPERATIVE SOCIETY (2008) LTD.
LALTA
OVADA KWAMTORO
2
YALIYOMO
YALIYOMO ...................................................................................................................... 2
MASHARTI YA LAKWAO TSACCOS LTD ............................................................... 4
TAFSIRI YA VIFUPISHO AU MANENO .................................................................. 4
SEHEMU YA KWANZA ................................................................................................ 5
1.0 JINA NA ENEO LA SHUGHULI ................................................................... 5
2.0 OFISI NA ANUANI ......................................................................................... 5
SEHEMU YA PILI ............................................................................................................ 5
3.0 MADHUMUNI YA CHAMA- Kilimo na biashara .................................. 5
SEHEMU YA TATU ........................................................................................................ 6
4.0 UANACHAMA ................................................................................................. 6
4.1 AINA YA UANACHAMA .............................................................................. 6
4.2 MAKUNDI YA UANACHAMA .................................................................... 6
4.3 SIFA ZA UANACHAMA ................................................................................. 6
4.4 MAOMBI YA UANACHAMA....................................................................... 7
4.5 KUACHA NA KUSIMAMISHWA UANACHAMA .................................. 7
4.6 KUTEUA MRITHI ............................................................................................ 8
4.7 WAJIBU NA HAKI ZA MWANACHAMA ................................................ 8
5.7.1 WAJIBU WA MWANACHAMA .......................................................... 8
5.7.2 HAKI ZA MWANACHAMA .................................................................. 8
4.8 WAJIBU WA TSACCOS ................................................................................. 9
SEHEMU YA TANO ....................................................................................................... 9
5.0 KIINGILIO, HISA, AKIBA NA AMANA .................................................... 9
5.1 KIINGILIO ......................................................................................................... 9
5.2 HISA .................................................................................................................... 9
6.2.1 KUUZA AU KUHAMISHA HISA ........................................................ 10
5.3 AKIBA ............................................................................................................... 10
5.4 AMANA............................................................................................................ 10
SEHEMU YA SITA......................................................................................................... 10
6.0 MIKOPO KUTOKA TAASISI ZA FEDHA ................................................ 10
SEHEMU YA SABA ....................................................................................................... 11
7.0 VYANZO VYA MAPATO, HIFADHI NA UWEKEZAJI ....................... 11
7.1 VYANZO VYA MAPATO ............................................................................ 11
7.2 MTAJI WA TSACCOS ................................................................................... 11
7.3 HIFADHI NA UWEKEZAJI ......................................................................... 11
SEHEMU YA NANE ...................................................................................................... 11
8.0 UHASIBU NA MWAKA WA FEDHA ....................................................... 11
SEHEMU YA TISA..................................................................................................... 12
9.0 MGAO WA ZIADA ....................................................................................... 12
SEHEMU YA KUMI ...................................................................................................... 13
10.0 TARATIBU ZA UTUNZAJI WA AKIBA ............................................... 13
SEHEMU YA KUMI NA MOJA ................................................................................. 14
3
11.0 TARATIBU ZA MIKOPO ......................................................................... 14
SEHEMU YA KUMI NA MBILI ................................................................................. 15
12.0 UONGOZI NA USIMAMIZI .................................................................... 15
12.1 UONGOZI .................................................................................................... 15
13.2.1 UCHAGUZI WA VIONGOZI ........................................................... 15
12.2 USIMAMIZI ................................................................................................. 16
13.2.1 BODI YA TSACCOS ............................................................................ 16
13.2.2 KAMATI YA MIKOPO ...................................................................... 18
13.2.3 KAMATI YA USIMAMIZI ................................................................. 19
13.2.4 KAZI ZA MWENYEKITI WA TSACCOS ........................................ 20
13.2.5 KAZI ZA KATIBU / MENEJA WA TSACCOS .............................. 20
13.2.6 KAZI ZA MWEKA HAZINA ............................................................. 21
SEHEMU YA KUMI NA TATU .................................................................................. 22
13.0 MIKUTANO MIKUU ................................................................................ 22
13.1 Mkutano Mkuu wa Mwaka .................................................................... 22
13.2 MIKUTANO MIKUU YA KAWAIDA ................................................... 23
13.3 MKUTANO MKUU MAALUM ............................................................... 23
13.4 KUITISHA MIKUTANO MIKUU ........................................................... 23
13.5 AKIDI KATIKA MIKUTANO .................................................................. 24
SEHEMU YA KUMI NA NNE .................................................................................... 25
14.0 UIDHINISHAJI NA UWEKAJI SAINI KUMBUKUMBU ZA
TSACCOS .................................................................................................................... 25
SEHEMU YA KUMI NA TANO ................................................................................. 25
15.0 UKOMO WA MADENI ............................................................................ 25
SEHEMU YA KUMI NA SITA .................................................................................... 25
16.0 MUHURI WA TSACCOS “COMMON SEAL” ..................................... 25
SEHEMU YA KUMI NA SABA ................................................................................... 25
17.0 MAREKEBISHO YA MASHARTI ............................................................ 25
SEHEMU YA KUMI NA NANE ................................................................................. 25
18.0 KUVUNJWA AU KUFUTWA KWA TSACCOS .................................. 25
SEHEMU YA KUMI NA TISA .................................................................................... 26
19.0 MENGINEYO ............................................................................................... 26
4
MASHARTI YA LAKWAO TSACCOS LTD
(Chama cha Ushirika wa Akiba na Mikopo cha LAKWAO Talanta. SACCOS
LTD)
Namba ya kuandikishwa ……………………… tarehe ya kuandikishwa
…………………………….
TAFSIRI YA VIFUPISHO AU MANENO
Kwa madhumuni ya masharti haya maneno haya yatatafsiriwa Kama ifuatavyo:-
TSACCOS: Talanta Chama cha Ushirika wa Akiba na Mikopo
KIINGILIO: Fedha inayolipwa na mwanachama anapojiunga na chama na
hairudishwi.
HISA: Dhamana anayonunua mwanachama anayeomba kujiunga na
chama ili kuchangia mtaji wa chama.
AKIBA: Fedha ambazo mwanachama anaweka chamani mara kwa
mara ili kujenga fungu la kukopeshana.
AMANA: Fedha anayoweka mwanachama au asiye mwanachama kwa
ajili ya hifadhi. Amana inaweza kutumika kama kigezo na
dhamana ya mkopo.
KIKUNDI: Taasisi iliyoundwa na watu 10 – 15 (wakulima au
wafanyakazi au wafanyabiashara kwa makusudi ya kiuchumi
au kijamii).
MWANACHAMA: Ni mtu au taasisi iliyojiunga na chama na kukubali kufuata
masharti ya chama.
MRAJIS: Ni mtumishi wa umma aliye na mamlaka ya kuandikisha au
kufuta chama cha ushirika kwa mujibu wa sheria ya vyama
vya ushirika.
KUANDIKISHWA: Kuingizwa katika daftari la serikali baada ya chama kutimiza
taratibu/masharti yanayotakiwa.
CHAMA: Ni Talanta Chama cha Ushirika wa Akiba na Mkopo
kilichoandikishwa.
SCULT: Ni shirikisho la vyama vya ushirika wa Akiba na mikopo
Tanzania (Savings and Credit Cooperative League of
Tanzania)
JINSI: Ni maumbile ya kuwa mwanamke au mwanaume.
TAASISI: Ni vyama vya wanajamii kama vikundi, shule/vyuo,
makanisa, misikiti, CBO, NGO.
CBO (Asasi): Ni Community Based Organisation
NGO (Azise): Ni Asasi ya jamii (Asasi Zisizo za Serikali)
NON Government Organisation
5
SEHEMU YA KWANZA
1.0 JINA NA ENEO LA SHUGHULI
(i) Jina la chama litakuwa LAKWAO TSACCOS (LAKWAO Talanta
Savings and Credit Cooperative Society (2008) Ltd).
(ii) Eneo la shughuli la LAKWAO TSACCOS NI KATA za LALTA,
KWAMTORO na OVADA.
(iii) Mfungamano wa uanachama WAKULIMA, WAFUGAJI, WAFANYA
BIASHARA NA WAFANYAKAZI.
2.0 OFISI NA ANUANI
(i) LAKWAO T.SACCOSS Box 1187 DODOMA.
(ii) Makao Makuu OVADA.
SEHEMU YA PILI
3.0 MADHUMUNI YA CHAMA- Kilimo na biashara
Madhumuni ya LAKWAO TSACCOS ni kuwawezesha na kuwapa
wanachama fursa ya kujiwekea akiba na kutoa huduma za kibenki kwa
masharti nafuu kwa wanachama na wasio wanachama ili waweze kukidhi
mahitaji mbalimbali ya kiuchumi na kijamii na hatimaye kuinua hali ya
kiwango cha maisha.
LAKWAO TSACCOS itafanya kazi zifutazo ili kutimiza madhumuni yake:
(a) Kuendeleza uanachama wa mtu mmoja mmoja na kukuza uwezo wao
kiuchumi ili kuwawezesha kujiwekea akiba, kukopa kwa ajili ya
shughuli za kiuchumi na kurejesha kwa wakati kupitia vikundi vya
wanachama 10 – 15.
(b) Kupokea kiingilio, hisa, akiba na amana kutoka kwa wanachama na
kutoa mikopo kwa kuzingatia kiwango cha akiba na amana za
mwanachama.
(c) Kujenga tabia ya kujiwekea Akiba na Amana na kuepuka matumizi
yasiyo ya lazima miongoni mwa wanachama.
(d) Kuweka viwango vya riba juu ya Akiba, Amana na Mikopo kwa
wanachama vinavyokidhi gharama za uendeshaji wa LAKWAO
TSACCOS.
(e) Kupanga utaratibu unaofaa wa kutunza na kuweka kinga ya fedha ya
wanachama dhidi ya hasara/majanga.
(f) Kuunda mtaji wa kutosha kuendesha shughuli za LAKWAO TSACCOS.
(g) Kujenga na kuimarisha uwezo wa wanachama kuendesha na kusimamia
chama kwa njia ya elimu ya Ushirika na ushirikishwaji wa wanachama.
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(h) Kubuni utaratibu mzuri wa kutosha taarifa za shughuli za LAKWAO
TSACCOS kwa wanachama na kupokea maombi ya Wanachama
wapya.
(i) Kununua hisa na dhamana (bond) kwenye vyombo vya fedha na
serikali baada ya kufanya utafiti wa kina wa kitaalamu.
(j) Kuwawezesha wanachama kuongeza kipato katika kaya na kusaidia
kuongezeka kwa mzunguko wa fedha katika eneo lao kwa kuhakikisha
kuwa huduma na mahitaji muhimu yanapatikana kwa urahisi katika
eneo la LAKWAO TSACCOS.
(k) Kutoa elimu ya ujasiriamali, uendeshaji na usimamizi wa biashara kwa
wanachama.
(l) Kushirikiana na taasisi nyingine za fedha na vyama vingine vya akiba na
mikopo kwa ajili ya kuongeza mtaji wa chama na kusaidiana.
(m) Kufanya shughuli nyingine muhimu kwa manufaa ya wanachama na
ustawi wa LAKWAO TSACCOS.
SEHEMU YA TATU
4.0 UANACHAMA
4.1 AINA YA UANACHAMA
Uanachama wa LAKWAO TSACCOS utakuwa na aina mbili kama
ifuatavyo:
(i) Uanachama wa HIARI kwa mtu mmoja mmoja ndani ya kikundi cha
wanachama 10 – 15 bila kujali jinsi.
(ii) Uanachama wa HIARI wa Taasisi kama vikundi, shule/vyuo, Vijiji,
makanisa, misikiti, CBO, NGOs.
4.2 MAKUNDI YA UANACHAMA
Uanachama utajumuisha makundi yafuatayo:-
(i) Wanachama waanzilishi wote waliohudhuria mkutano wa kwanza
na ambao wametimiza masharti haya.
(ii) Wanachama watarajiwa ambao watajiunga kwa kuomba na
kujadiliwa na bodi ya chama.
4.3 SIFA ZA UANACHAMA
(a) Awe mwenye umri wa miaka isiyopungua 18
(b) Awe na akili timamu.
(c) Awe mwaminifu na mwadilifu
(d) Awe raia wa Tanzania mkaazi wa eneo la shughuli za LAKWAO
TSACCOS.
(e) Awe amelipa kiingilio na angalu hisa moja
(f) Asiwe ni mtu mwenye kufanya shughuli zinazoshabihiana na LAKWAO
TSACCOS.
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(g) Awe tayari kufuata masharti ya LAKWAO TSACCOS, kanuni za vyama
vya ushirika ya 2004 na sheria ya vyama vya ushirika Na. 20 ya mwaka
2003.
4.4 MAOMBI YA UANACHAMA
Maombi ya uanachama kwa kikundi au mtu mmoja mmoja yatafanywa
kwa kujaza fomu maalum. Maombi ya mtu mmoja mmoja yatafanywa
kwa kupitia kwenye kikundi chake na hatimaye kwenda kwenye Bodi ya
uongozi ya LAKWAO TSACCOS, ambapo mwenye kutimiza sifa
atapokelewa na kulipa michango yote kwa mujibu wa masharti haya.
Mwanachama atakayepokelewa ataorodheshwa kwenye daftari la
wanachama. Watakaokataliwa watajulishwa kwa maandishi. Maombi
yote ya wanachama wapya yatathibitishwa na mkutano mkuu.
4.5 KUACHA NA KUSIMAMISHWA UANACHAMA
(a) Mwanachama anaweza kuacha uanachama kwa kutoa taarifa ya
maandishi.
(b) Mwanachama anaweza kusimamishwa uanachama na Bodi ya Uongozi
endapo:-
(i) Atashindwa kulipa mkopo wake katika muda ulioruhusiwa na
LAKWAO TSACCOS, kukosa uaminifu na uadilifu au kufanya
kitendo ambacho ni kinyume na madhumuni ya LAKWAO
TSACCOS.
(ii) Kuacha kushiriki shughuli za TSACOSS (kushindwa kuweka Akiba
na Amana kwa mwaka mmoja).
Kusimamishwa kutahesabika tangu tarehe ya kutoa uamuzi wa
kusimamishwa mwanachama.
(c) Uanachama utakoma kwa:-
(i) Kifo
(ii) Kuchukua hisa zake zote kwenye LAKWAO TSACCOS
(iii) Kujiuzulu mwenyewe baada ya kutoa taarifa ya miezi mitatu
(siku 90) kwa maandishi kwa TSACCOS kwa kipindi yawe
yamekamilika na kukubalika na Mkutano Mkuu.
(iv) Ugonjwa wa akili uliothibitishwa na Daktari.
(v) KUhama katika eneo la shughuli za LAKWAO TSACCOS.
(vi) Kufukuzwa uanachama katika Mkutano Mkuu kwa kura ya
wanachama wasiopungua nusu ya wanachama waliohudhuria,
baada ya kupewa nafasi ya kujitetea kutokana na makosa
ambayo yanasababisha kufukuzwa.
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4.6 KUTEUA MRITHI
Kila mwanachama atateua mrithi wake ambaye atakuwa na haki ya
kulipwa hisa, akiba, amana na fidia zote za LAKWAO TSACCOS baada ya
makato yote ya madeni anayodaiwa na chama. Mwanachama ana haki ya
kubadilisha jina la mrithi. Kila uteuzi utaandikwa katika daftari ya
wanachama na mwanachama anayehusika atatia saini. Pia mrithi anaweza
kurithi hisa, akiba, amana, faida na madeni.
4.7 WAJIBU NA HAKI ZA MWANACHAMA
Mwanachama yeyote atakuwa na wajibu na haki kama ifuatavyo:-
5.7.1 WAJIBU WA MWANACHAMA
i) Kulipa kiingilio, kununua hisa na kuweka Akiba na Amana na
masharti ya LAKWAO TSACCOS hii.
ii) Kulipa mkopo muda uliopangwa kulingana na masharti ya
LAKWAO TSACCOS.
iii) Kulipa mkopo alioudhamini endapo mkopaji atashindwa
kulipa mkopo wake.
iv) Kuwa mwaminifu kwa LAKWAO TSACCOS na kushiriki
kikamilifu katika shughuli zote ili kuiwezesha LAKWAO
TSACCOS kutimiza madhumuni yake.
v) Kubeba dhamana endapo janga lolote litatokea.
vi) Kuweka akiba mara kwa mara
vii) Kukopa kwa ajili ya shughuli za uzalishaji mali (kiuchumi)
viii) Kuhudhuria na kushiriki kikamilifu katika mikutano.
5.7.2 HAKI ZA MWANACHAMA
i) Kushiriki katika shughuli zote za TSACCOS hii kwa kufuata
sheria ya ushirika namba 20 ya mwaka 2003, kanuni za
vyama vya ushirika za mwaka 2004, masharti ya LAKWAO
TSACCOS na maazimio yote ya Mkutano Mkuu wa
wanachama.
ii) Kuhudhuria na kutoa maoni yake katika mikutano ya
TSACCOS.
iii) Kuchagua na kuchaguliwa kuwa mjumbe/kiongozi.
iv) Kuweka na kuchukua akiba, amana na zake kwa kufuata
masharti ya LAKWAO TSACCOS hii.
v) Kuwa mdhamini wa mikopo kwa mwanachama mwingine
ndani ya kikundi chake.
vi) Kupatiwa taarifa ya maendeleo ya LAKWAO TSACCOS.
Kuwa masharti, kutazama mizania, mihtasari ya Mikutano
Mikuu na nyaraka za Mrajis wakati wa saa za kazi.
vii) Kuomba kuitisha Mkutano Mkuu kwa mujibu wa kifungu
15.35 cha masharti haya.
viii) Kupatiwa mkopo kwa ajili ya kuongeza tija na maendeleo ya
kiuchumi.
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ix) Mwanachama atakuwa na wajibu kama ilivyo kwenye
kifungu cha 40, 41 na 42 cha Sheria ya Vyama vya Ushirika
ya mwaka 2003.
x) Katika kufilisika chama, mwanachama atawajibika kwa
kiwango cha hisa ambacho analazimika kulipa.
4.8 WAJIBU WA TSACCOS
i) Kutowabagua wanachama
ii) Kuweka mazingira bora kwa mwanachama ya kuweka akiba, amana
na kukopa.
iii) Kutunga masharti ya sera bayana kwa mwanachama.
iv) Kulinda maslahi ya wanachama.
v) Kuhamasisha wanachama watarajiwa hususan wanawake kujiunga
na LAKWAO TSACCOS
SEHEMU YA TANO
5.0 KIINGILIO, HISA, AKIBA NA AMANA
Kiwango cha kiingilio, Hisa, Akiba na Amana kitakuwa kinapangwa na
Mkutano Mkuu kila inapobidi kulingana na thamani ya fedha.
5.1 KIINGILIO
Mwanachama lazima alipe kiingilio katika kipindi cha kukubalika kwake
uanachama. Kiingilio hakirejeshwi Kwa mwanachama akiacha uanachama
au kusimamishwa uanachama na wala hakizai faida. Kiwango cha kiingilio
kitapangwa kila mara na Mkutano Mkuu. Kiingilio kitakuwa 5,000/=
fedha za kitanzania.
5.2 HISA
(a) Thamani ya hisa moja ni shilingi 5,000/= fedha za kitanzania.
(b) Mwanachama inabidi anunue hisa nyingi kwa faida yake mwenyewe na
ya TSACCOS yake lakini isizidi 1/5 ya hisa zote za TSACCOS.
(c) Mwanachama anaweza kununua hisa moja au zaidi kwa wakati mmoja
na kuingizwa kwenye daftari la orodha ya wanachama.
(d) Mwanachama atakayekamilisha ununuzi wa hisa zote atapewa hati ya
hisa.
(e) Ili uwe mwanachama, mwanachama anatakiwa awe amenunua si chini
ya hisa 1 na kuwa ametimiza kununua hisa angalau 2 katika kipindi cha
mwaka mmoja na hisa angalau 10 zinunuliwe katika kipindi cha mwaka
wa pili.
(f) Mwanachama akiachishwa uanachama atarudishiwa hisa na akiba
pamoja na amana zake zote katika kipindi cha siku 90 iwapo hadaiwi
na LAKWAO TSACCOS.
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6.2.1 KUUZA AU KUHAMISHA HISA
a) Hisa zinaweza kurithiwa, kuuzwa au kuhamishwa.
b) Mwanachama wa LAKWAO TSACCOS anaweza kununua hisa za
mwanachama ambaye uanachama wake umekoma.
c) Mwanachama akishindwa kukamilisha hisa zake zote katika kipindi cha
miaka miwili, hisa alizonunua zitahesabiwa kuwa zimefutika.
5.3 AKIBA
a) Kila mwanachama lazima ajenge tabia ya kuweka akiba mara kwa mara
kwa ajili ya kujenga fungu la kukopeshana.
b) Kila mwanachama ataweka si chini ya asilimia 10 ya mapato yake
anayoyapata kwa vipindi tofauti.
c) Akiba za mwanachama zitachukuliwa kama dhamana na kigezo cha
kupata mkopo kulingana na sera ya mikopo, akiba na amana, na
zitakuwa hazitolewi au kupunguzwa mara kwa mara.
d) Mwanachama mpya anapaswa kuweka akiba yake mfululizo zaidi ya
miezi sita bila kupata mkopo isipokuwa pale ambapo LAKWAO
TSACCOS itakuwa na fedha za kutosha kukopesha wanachama wapya.
e) Kuweka akiba ni lazima katika TSACCOS.
5.4 AMANA
a) Mwanachama anaweza kuweka amana katika LAKWAO TSACCOS.
b) Wasio wanachama nao wanaweza kuweka amana kwa ajili ya kupata
huduma za kibenki kwa kulipia gharama zitakazoamuriwa na LAKWAO
TSACCOS.
c) Amana zinaweza kuchukuliwa muda wowote ule ambapo aliyeweka
anahitaji kuchukua
d) Fedha za amana zinaweza kutumika katika kukopesha wanachama na
kama dhamana ya mkopo kwa mkopaji.
SEHEMU YA SITA
6.0 MIKOPO KUTOKA TAASISI ZA FEDHA
a) LAKWAO TSACCOS inaweza kukopa baada ya kupata idhini ya
Mkutano Mkuu na Mrajis wa vyama Ushirika.
b) LAKWAO TSACCOS inaweza kukopa kiasi kisichozidi robo (1/4) ya
jumla ya hisa zote pamoja na akiba, amana kwa uamuzi wa angalau
robo (3/4) ya wajumbe wa Bodi ya Uongozi.
c) Kiasi zaidi kinaweza kukopwa baada ya kupata uamuzi wa wanachma
kwenye Mkutano Mkuu ambao wataafiki pendekezo lililofanywa na
robo tatu (3/4) ya wajumbe wa Bodi ya Uongozi. Lakini kiasi
kitakachokopwa kisizidi nusu ya raslimali ya TSACCOS.
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d) Dhamana ya mwanachama kwa ajili ya madeni ya TSACCOS haitazidi
kiwango cha hisa zake ndani ya TSACCOS ziwe zimelipwa au bado.
SEHEMU YA SABA
7.0 VYANZO VYA MAPATO, HIFADHI NA UWEKEZAJI
7.1 VYANZO VYA MAPATO
Mapato ya TSACCOS yatatokana na:-
a) Viingilio
b) Hisa za wanachama
c) Akiba za wanachama
d) Amana za wanachama na wasio wanachama
e) Michango maalum, ruzuku na misaada
f) Akiba na malimbikizo ya lazima
g) Faida zitokanazo na shughuli za chama
h) Mikopo kutoka mabenki na taasisi nyingine za fedha
i) Mapato yatokanayo na vyanzo vinginevyo
7.2 MTAJI WA TSACCOS
Mtaji wa LAKWAO TSACCOS utatokana na:-
a) Hisa za wanachama
b) Ziada halisi
c) Akiba ya lazima na malimbikizo
d) Michango maalum, ruzuku na misaada
Mapato ya LAKWAO TSACCOS yatatumika kwa shughuli za maendeleo ya
LAKWAO TSACCOS ili kuweza kufikia madhumuni yake kwa idhini ya
Mkutano Mkuu wa wanachama.
7.3 HIFADHI NA UWEKEZAJI
LAKWAO TSACCOS itahifadhi na kuwekeza fedha kama ifuatavyo:-
a) Kwa kutumia mtaji wake kununua amana za serikali.
b) Kutoa mikopo kwa wanachama
c) Kununua hisa kwenye vyombo vya fedha na makampuni n.k.
d) Kujenga nyumba na kununua mali isiyohamishika
e) Fedha zote za LAKWAO TSACCOS lazima ziwekewe bima.
f) Fedha za LAKWAO TSACCOS isipokuwa zile zinazohitajika kwa
matumizi madogo madogo zitahifadhiwa benki. Bodi itaamua kiasi cha
fedha kitakachobaki kwa matumizi madogo madogo na kwa ajili ya
kulipia amana.
SEHEMU YA NANE
8.0 UHASIBU NA MWAKA WA FEDHA
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(a) Mwaka wa fedha wa chama utakuwa kuanzia tarehe 1 Julai hadi tarehe
31 Juni.
(b) LAWAO TSACCOS itaandika vitabu vya hesabu na kutunza
kumbukumbu muhimu kwa kuzingatia mfumo ulioidhinishwa na Mrajis
wa vyama vya ushirika na kanuni za uhasibu.
(c) Hesabu za TSACCOS zitaandikwa kila siku.
(d) Kamati ya Usimamizi ya LAKWAO TSACCOS itapitia mfumo wa hesabu
na utunzaji kumbukumbu za TSACCOS kila mwaka kwa kushirikiana na
mkaguzi wa LAKWAO TSACCOS. Wajumbe wa Kamati wanaweza
kuchunguza vitabu na kumbukumbu za TSACCOS wakati wowote wao
wenyewe au kwa kushirikiana na Maafisa Ushirika.
(e) Vitabu vya LAKWAO TSACCOS vitakaguliwa na mizania kutolewa
kulingana na Sheria ya Vyama Ushirika Na. 20 ya mwaka 2003, na
mkaguzi yeyote atakayechaguliwa na chama.
(f) Gharama za ukaguzi zitalipwa na LAKWAO TSACCOS yenyewe.
(g) TSACCOS itakuwa na “Mfumo wa Uhasibu” na “Kanuni za Fedha”.
(h) LAKWAO TSACCOS itatengeneza makisio ya mapato na matumizi na
kupitishwa na Mrajis wa Vyama vya Ushirka mwezi mmoja kabla ya
kuanza mwaka mpya wa biashara.
SEHEMU YA TISA
9.0 MGAO WA ZIADA
Bodi ya Uongozi ya LAKWAO TSACCOS itatoa mapendekezo ya mgao wa
ziada ya mwaka na miaka iliyopita baada ya ukaguzi wa mahesabu na
mizania kutolewa; kwenye Mkutano Mkuu wa wanachama ili uidhinishwe
kwa kuzingatia kifungu cha 67 cha kanuni za vyama vya ushirika za 2004.
(a) Kiasi kisichopungua asilimia (20%) kitatengwa kutokana na faida halisi
kwa ajili ya akiba ya lazima. Akiba ya lazima itabakia kuwa ni mali ya
TSACCOS na haitawezekana kugawanywa isipokuwa kama
kinavunjwa. Viingilio vyote, adhabu mbalimbali na gharama za
uhamisho wa Hisa zitaongezwa katika akiba hii baada ya kutoa
gharama za kuandikishwa TSACCOS.
(b) Asilimia kumi na tano (15%) kwa ajili ya mfuko wa kukombolea hisa za
walioacha uanachama isipokuwa kiasi hicho kisizidi asilimia kumi na
tano (15%) ya hisa zote.
(c) Asilimia kumi na tano (15%) ya faida halisi itatengwa kwa ajili ya kinga
ya madeni mabaya. Isipokuwa kiasi hicho kisizidi asilimia kumi na tano
(15%) ya madeni yote.
(d) Ziada inayobaki itagawanywa kama itakavyoamuliwa na Mkutano
Mkuu kwa ajili ya:-
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(i) Mgao wa ziada kwa wanachama au faida ya hisa;
(ii) Nyongeza za hisa wanachama;
(iii) Mchango kwa shughuli za maendeleo ya LAKWAO TSACCOS.
(iv) Mchango au msaada kwa ajili ya elimu, afya, au shughuli
nyingine yeyote.
(e) Tuzo kwa wajumbe wa bodi ya uongozi na watumishi wasiolipwa
mishahara.
(f) Malipo mengine yoyote kama yatakavyoamuliwa ikiwa ni pamoja na
kubakiza kwa mwaka unaofuata.
SEHEMU YA KUMI
10.0 TARATIBU ZA UTUNZAJI WA AKIBA
Akiba za mwanachama zitatunzwa kwa kufuata taratibu zifuatazo:-
a) Kila mwanachama atapatiwa kitabu cha akiba (pass – Book)
b) Kitabu cha akiba kitaonyesha jina mwanachama, namba ya kitabu na
uanachama
c) Katika kitabu cha mwanachama zitaingizwa hesabu za Hisa, Akiba,
Amana na Mikopo
d) Kutakuwa na daftari la kutolea vitabu vya akiba vya wanachama.
e) Fedha yote ya mwanachama inayopokelewa ndani ya TSACCOS
ikatiwe stakabadhi ya fedha na kuingizwa katika kitabu chake (Pass
Book) na kutiwa saini na Mweka Hazina au mtu mwingine
aliyeidhinishwa kupokea fedha, kisha kitabu hicho atapewa
mwanachama mwenyewe akitunze.
f) Ikiwa kitabu kitapotea mwanachama anayehusika atawajibika kutoa
taarifa ya maandishi kwa Mweka Hazina/Katibu. Bodi inaweza
kuidhinisha kitabu kingine kitolewe na mwenye kitabu atalipa ada ya
kitabu kipya kadri itakavyoamuliwa na bodi. Kitabu kipya kitaingizwa
salio za hesabu zote za mwanachama kama zilivyo kwa tarehe
anayopatiwa kitabu kipya kutoka kwenye leja ya mwanachama.
g) Kitabu cha akiba hakina budi kionyeshwe wakati wote wa kuweka
fedha au wakati wa kuchukua fedha ili Mweka Hazina aweze kuingiza
kiasi kilichowekwa au kuchukuliwa na mwanachama.
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SEHEMU YA KUMI NA MOJA
11.0 TARATIBU ZA MIKOPO
(a) Mikopo itatolewa kwa wanachama wa LAKWAO TSACCOS tu.
(b) Maombi yote ya Mikopo yataidhinishwa na kamati ya mikopo,
ambayo lazima ihakikishe kuwa taratibu na masharti ya utoaji mikopo
yamezingatiwa na mkopaji.
(i) Mikopo ya dharura italipwa katika kipindi kisichozidi miezi 3 na
kwa kadri itakavyoamuliwa na kamati ya mikopo.
(ii) Mikopo ya maendeleo italipwa katika kipindi kisichozidi miezi
36 na kwa kadri itakavyoamuliwa na kamati ya mikopo.
(c) Fomu maalum ya maombi ya mkopo lazima ijazwe na kila mwombaji
na kuwasilisha kwa mhusika. Mwombaji atoe taarifa sahihi za uwezo
wa kulipa mikopo mingine aliyonayo.
Kamati ya mikopo itapitia maombi ya mkopo ikizingatia dhamana ya
mkopo kama inatosha, uwezo wa kulipa mikopo ya
LAKWAOTSACCOS.
(d) Mwombaji lazima awe na akiba na amana na adhaminiwe na
mwanachama mwenzake/kikundi chake. Mwanachama haruhusiwi
kudhamini zaidi ya mikopo miwili.
(e) Kwa wajumbe wa bodiyauongozi, kamati ya mikopo au kamati ya
usimamizi, mikopo yao itapaswa kudhaminiwa na wanachama wengine
kama mwanachma mwingine yeyote.
(f) Miradi inayopatiwa mikopo itakuwa pia dhamana ya mikopo hiyo
mpaka mlipaji atakaporejesha mikopo na salio kuwa sawa na kiasi cha
hisa au akiba alizonazo ndani ya TSACCOS.
(g) Urejeshaji wa mikopo utafanywa kwa kulipa fedha taslimu, hundi au
kukatwa kwenye mshahara au vyote kwa pamoja katika ofisi ya
TSACCOS wakati wa saa za kazi, au muda mwingine utakaopangwa.
(h) Baada ya mkopo kuidhinishwa mkopaji atajaza fomu maalum ya
mkataba ambayo itatiwa saini na wadhamini. Fomu hii itaonyesha
masharti ya mkopo.
(i) Maombi ya mwanakamati wa mikopo yatajadiliwa na wanakamati
waliobaki ili mradi akidi inatosha.
(j) Iwapo TSACCOS imepata mkopo toka sehemu nyingine itakopesha
kulingana na masharti ya mkopo huo (mfano faida au jinsi).
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SEHEMU YA KUMI NA MBILI
12.0 UONGOZI NA USIMAMIZI
12.1 UONGOZI
(a) TSACCOS itaongozwa na Bodi ya Uongozi ambayo itaundwa na
wajumbe wasiopungua watano na wasiozidi tisa ikiwa ni pamoja na
Mwenyekiti na Makamu wake.
(b) Wajumbe wa Bodi watachaguliwa na Mkutano Mkuu wa TSACCOS
na muda wao wa ofisi utakuwa miaka mitatu lakini wanaweza
kuchaguliwa tena na kila baada ya miaka mitatu 1/3 ya wajumbe wa
Bodi watajiuzulu. Wale waliojiuzulu hawapaswi kuchaguliwa tena
mpaka baada ya miaka mitatu.
(c) Kutakuwa na Kamati ya mikopo ambayo itachaguliwa na wanachama
kutoka miongoni mwa wajumbe wa Bodi ya uongozi. Kamati hii
itakuwa na wajumbe watatu. Kamati hii inaweza ikachaguliwa pia na
wanachama kutoka nje ya wajumbe wa Bodi ya uongozi.
(d) Kutakuwa na Kamati ya usimamizi ya wajumbe watatu ambayo
itachaguliwa na Mkutano Mkuu wa wanachama kutoka miongoni
mwao.
(e) Bodi ya Uongozi inaweza kuunda kamati zingine ndogo kama vile
kamati ya elimu na uhamasishaji na kuteua wajumbe kulingana na
mahitaji.
13.2.1 UCHAGUZI WA VIONGOZI
Uchaguzi wa Bodi ya Uongozi utafanyika kwa mujibu wa kifungu cha 63
cha Sheria ya vyama vya ushirika Na. 20 ya mwaka 2003 pamoja na
Kanuni ya 42 na 43 ya vyama vya ushirika ya 2004.
Hatua zifuatazo zitafuatwa wakati wa uchaguzi wa Bodi ya Uongozi:-
(a) Kila mwanachma anayetaka kugombea nafasi ya ujumbe wa bodi
atajaza fomu maalum zilizoandaliwa na kuzirudhisha kwa msimamizi
wa uchaguzi ndani ya tarehe itakayokuwa imeelekezwa.
(b) Kamati ya uchaguzi itafanya mchujo wa wagombea kwa kuweka alama
walizopata kutokana na maelezo binafsi na uzoefu wao. Watakaopata
chini ya alama 40 hawapendekezwi.
16
(c) Inapofika agenda ya uchaguzi wa viongozi, Mrajis Msaidizi/Afisa
Ushirika wa eneo la TSACCOS atasimamia uchaguzi na Mwenyekiti
atakayeongoza uchaguzi, Mwenyekiti huyo sharti atokane na miongoni
mwa wajumbe wa Mkutano Mkuu.
(d) Wanachama wapendekeze idadi ya wajumbe wa bodi wanaohitajika
kulingana na maendeleo ya chama.
(e) Majina ya wagombea waliopendekezwa na kamati ya uchaguzi
yatasomwa na msimamizi wa uchaguzi.
(f) Uchaguzi wa wajumbe wa bodi utafanywa kwa kupigiwa kura ya siri
tu na wala siyo vinginevyo.
(g) Mara tu baada ya uchaguzi, kura zitahesabiwa na matokeo
kutangazwa na Mwenyekiti wa Mkutano.
(h) Uchaguzi wa Mwenyekiti, Makamu Mwenyekiti, Katibu na Mtunza
hazina utafanywa moja kwa moja na Mkutano Mkuu.
(i) Uchaguzi wa Kamati ya Mikopo, Kamati ya usimamizi na kamati
ndogo ya Elimu na uhamasishaji utafanywa na Mkutano Mkuu.
(j) Nafasi ya Mwenyekiti au Makamu Mwenyekiti iwapo itagombewa na
mtu mmoja bila upinzani kura za siri sio lazima zipigwe.
12.2 USIMAMIZI
13.2.1 BODI YA TSACCOS
(a) Bodi ya TSACCOS itachaguliwa na Mkutano Mkuu wa wanachama
wote.
(b) Bodi ya TSACCOS itafanya Mkutano angalau mmoja kila baada ya
miezi mitatu.
(c) Bodi itapokea na kujadili taarifa za maendeleo ya TSACCOS kutoka
kwa kamati na watendaji wa chama.
(d) Bodi ya TSACCOS itateua mwanachama atakayeshika nafasi iliyoachwa
wazi katika Bodi hiyo na Kamati za usimamizi na mikopo.
Watkaoteuliwa watashika nafasi hizo mpaka mkutano mkuu mwingine
unaofuata ambapo nafasi zilizowazi zitajazwa kwa kura za wanachama.
(e) Katibu wa vikao vya Bodi atakuwa Meneja wa TSACCOS au Katibu wa
kuchaguliwa kama TSACCOS itakavyoamua.
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(f) Hakuna mjumbe atakayekuwa na haki ya kudai malipo ya mshahara au
posho isipokuwa kama ilivyoelezwa katika masharti haya.
(g) Mjumbe wa Bodi ataacha madaraka kama akifukuzwa na Mkutano
Mkuu/Kamati ya usimamizi au sababu yoyote kama ilivyo katika kanuni
za vyama vya ushirika za mwaka 2004 kifungu cha 42 (1).
(h) Mjumbe wa Bodi atakayeshindwa kuhudhuria vikao vitatu mfululizo
bila sababu inayokubaliwa na kamati anaweza kuachishwa uongozi na
kuteua mwanachama mwingine badala yake hadi Mkutano Mkuu
unaofuata.
(i) Bodi itakuwa na mamlaka ya kusimamia shughuli zote za TSACCOS,
mbali na majukumu mengine bodi itakuwa na wajibu wa kufanya
mambo yafuatayo:-
(i) Kueneza elimu ya uwekaji akiba na utoaji mikopo kwa
kuwaelimisha wanachama kuhusu matumizi bora ya mikopo
yao.
(ii) Kupokea na kufikiria maombi ya wanachama wapya na
kuyafikisha mbele ya Mkutano Mkuu unaofuata kwa uthibitisho.
(iii) Kuhakikisha kuwa wakopaji wanalipa madeni yao kama
walivyoahidi na kuwachukulia hatua za kisheria wakopaji wasio
waaminifu, na kupendekeza kwa Mkutano Mkuu ufutaji wa
mikopo mibaya ambayo haiwezi kulipwa kabisa.
(iv) Kuweka utaratibu wa uendeshaji a shughuli za akiba na mikopo
ila kwa masharti kwamba taratibu hizo zisikiuke sheria na kanuni
za vyama vya ushirika za 2004, masharti na maagizo ya Mrajis
ya vyama vya ushirika.
(v) Kusimamia matumizi yote ya TSACCOS isipokuwa kazi za
kuidhinisha maombi ya mikopo kulingana na masharti ya utoaji
mikopo yaliyowekwa na TSACCOS na Mrajis wa vyama vya
ushirika.
(vi) Kuajiri, kusimamisha au kufukuza watumishi kazi kwa kuzingatia
sheria za ajira za TSACCOS (kanuni za utumishi).
(vii) Kufikisha mbele ya Mkutano Mkuu wa mwaka, mapendekezo ya
makisio, hesabu ya mapato na matumizi, mizani na taarifa ya
ukaguzi.
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(viii) Kuandika na kutunza mihtasari ya Mikutano Mikuu na vikao vya
bodi katika kitabu cha kumbukumbu a mikutano na kutiwa saini
na Mwenyekiti na Katibu.
(ix) Kuendesha shughuli za TSACCOS katika misingi ya kibiashara.
Hasara yoyote itakayotokea katika TSACCOS kutokana na bodi
kutojali wajibu wao na madaraka waliyopewa na wanachama,
itawalazimu kufidia hasara hiyo kama itakavyoamuliwa na Mrajis
wa Vyama vya Ushirika, kwa mujibu wa sheria ya ushirika Na.
20 ya mwaka 2003 kifungu cha 93(1).
(x) Kusimamisha uanachama mwanachma au mjumbe yeyote wa
kamati ya mikopo au ya usimamizi kutokana na tabia mbaya au
kushindwa kutimiza wajibu wake wa kazi na kupeleka
mapendekezo katika Mkutano Mkuu unaofuata ili uamuzi wa
mwisho utolewe.
13.2.2 KAMATI YA MIKOPO
(a) Kutakuwa na kamati ya mikopo itakayokuwa na wajumbe watatu
ambao watachaguliwa na Mkutano Mkuu.
(b) Wajumbe wa kamati hii watashika madaraka yao kwa muda wa
miaka mitatu. Theluthi moja (1/3) ya wajumbe itajiuzulu kila baada
ya miaka mitatu na wanaweza kuchaguliwa tena kwa mujibu wa
kifungu 63 cha sheria ya ushirika Na. 20 ya mwaka 2003 na kanuni
za vyama vya ushirika za 2004 kifungu cha 39.
(c) Wajumbe wa kamati hii watachagua miongoni mwao, mwenyekiti na
Katibu. Kumbukumbu za mambo yote yatakayofanywa na kamati ni
lazima nakala ziwe tayari kwa muda usiozidi siku tatu, tangu shughuli
hizo zitendeke.
(d) Maombi yote ya mikopo yatafikiriwa na Kamati hii. Itahakikisha
kuwa mkopo unaoombwa ni wa manufaa kwa mkopaji. Itachuguza
dhamana iliyotolewa kama ni sawa.
(e) Kamati hii itawajibika kufuatilia matumizi bora ya mikopo na
kuhakikisha kwamba wakopaji wanatumia fedha kwa miradi au
shughuli waliyoombea mikopo hiyo.
(f) Kamati itafanya kikao angalau kimoja kila mwezi, lakini inaweza
kufanya kikao cha dharura wakati wowote. Hakuna mkopo
utakaotolewa pasipo kukubaliwa kwanza na wanakamati wote
ambao wamehudhuria katika kikao isipokuwa Kwa mikopo ambayo
19
Afisa wa mikopo amepewa kibali. Taarifa za mikopo zitatolewa Kwa
wanachama katika mikutano yao mikuu.
(g) Kamati ya mikopo itachunguza kwa uangalifu tabia na hali ya fedha
ya kila mwombaji wa mkopo pamoja na dhamana, kama zipo na,
kuhakikisha uwezo wa kulipa deni kwa ukamilifu katika muda
ulioweka.
(h) Kwa wingi wa kura, kamati ya mikopo inaweza kumchagua Afisa au
Maofisa wa mikopo, kufanya kazi kama itakavyohitajika na kamati na
kumpa uwezo wa kuidhinisha mikopo kwa kadri ya kiasi
kinachowekwa na kamati. Hataweza kuchaguliwa zaidi ya afisa
mmoja wa mikopo kutoka kwenye kamati. Kila afisa mikopo atatoa
kwa kamati kumbukumbu ya kila mkopo aliouidhinisha au alioukataa
kwa muda usiozidi siku saba tangu siku ya maombi yaliyopokelewa.
Mikopo yote isiyoidhinishwa na afisa mikopo, itashughulikiwa na
kamati ya mikopo. Hakuna mtu yeyote atakayekuwa na mamlaka ya
kulipa kutoka mfuko wa chama hiki, mkopo usioidhinishwa na
kamati ya mikopo au afisa mikopo (mhasibu au meneja wa TSACCOS
atakuwa afisa wa mikopo).
13.2.3 KAMATI YA USIMAMIZI
(a) Kutakuwa na kamati ya usimamizi ambayo itakuwa na wajumbe
watatu watakaochaguliwa na Mkutano Mkuu wenye maadili mema,
wapenda haki, wanaweza kusimamia kazi na kuchukua hatua za
kurekebisha dosari pasipo upendeleo.
(b) Wajumbe wa kamati hii watashika madaraka kwa muda wa miaka
mitatu na theluthi (1/3 ya wajumbe itajiuzulu kila baada ya miaka
miatatu na wanaweza kuchaguliwa tena kwa mujibu wa sheria ya
ushirika ya mwaka 2003).
(c) Wajumbe wa Kamati hii watatengeneza utaratibu wa kutekeleza kazi
zao. Watachagua Mwenyekiti na Katibu miongoni mwao. Katibu
atatengeneza na kuhifadhi kumbukumbu zote pamoja na hatua
zinazochukuliwa na kamati hii.
(d) Kamati itafanya kazi zifuatazo:-
(i) Kusimamia fedha na mali zote za TSACCOS kwa niaba ya
wanachama.
(ii) Kusimamia utekelezaji wa shughuli zote za TSACCOS na
kuhakikisha kuwa zinazofanywa ipasavyo.
(iii) Kamati hi itatoa au itaamua ufanyike japo mara moja katika
miezi mitatu uchunguzi wa shughuli za TSACCOS pamoja na
20
ukaguzi wa vitabu. Kamati itatengeneza au itaamuru
utengenezaji wa taarifa itakayotolewa kwa Mkutano Mkuu
kwa maandishi na itakagua au itaamuru ukaguzi wa mwaka
ufanyike na taarifa yake itolewe kwa maandishi katika
Mkutano Mkuu wa mwaka ufuatao.
(iv) Kamati itafuatilia maendeleo ya miradi mikubwa ambayo
imepatiwa mkopo wa TSACCOS mpaka wahusika
watakapomaliza marejesho.
(v) Kutayarisha taarifa ya maandishi juu ya hali ya fedha na
huduma zitolewazo kwa Bodi na Mkutano Mkuu na nakala
kwa Afisa Ushirika wa Wilaya, Mkoa na SCCULT, kila miezi
mitatu ya mwaka wa fedha wa TSACCOS.
(vi) Kusikiliza malalamiko ya wanachama na kuyatafutia
ufumbuzi.
13.2.4 KAZI ZA MWENYEKITI WA TSACCOS
(a) Kusimamia / kuongoza mikutano yote mikuu isipokuwa Mkutano
Mkuu maalum uliotishwa na Mrajis.
(b) Kusimamia / kuongoza mikutano yote ya bodi ya uongozi
(c) Kuweka saini kumbukumbu za mikutano mikuu vikao vya bodi ya
uongozi
(d) Kuitisha mikutano yote mikuu na vikao vya bodi kufuatana na
masharti haya.
(e) Kuweka saini kwa niaba ya chama kumbukumbu zote na za mikataba
zinazohitaji kupigiwa muhuri wa chama.
(f) Kuwa msemaji mkuu wa chama kama haitaamuliwa vinginevyo na
bodi ya uongozi wa LAKWAO TSACCOS.
13.2.5 KAZI ZA KATIBU / MENEJA WA TSACCOS
Kazi, wajibu na madaraka ya Katibu / Meneja wa TSACCOS yatakuwa
kama ifuatavyo:-
(a) Kupokea barua zote na kuziwasilisha kwa wahusika kwa utekelezaji.
(b) Kujibu na kupeleka barua zote zitakiwazo baada ya maelezo ya
wahusika.
(c) Kuandaa Mikutano Mikuu na vikao vya LAKWAO TSACCOS.
(d) Kuweka mahali pa usalama fedha, vitabu, kumbukumbu na mali za
TSACCOS
(e) Kufanya mawasiliano yote kwa niaba ya LAKWAO TSACCOS
(f) Kutengeneza / kuandaa mipango ya maendeleo ya muda mrefu na
mfupi pamoja na makisio ya mapato na matumizi.
21
(g) Kushauri bodi ya uongozi kuhusu upatikanaji, uajiri, matumizi na
endeshaji watumishi
(h) Kushauri bodi ya uongozi katika shughuli za kifedha, kibiashara,
kiutaalamu na kiuongozi.
(i) Kusimamia na kuratibu mipango yote ya uchumi ya chama.
(j) Kutayarisha na kutengeneza taarifa za mwezi, robo, nusu na mwaka
mzima.
(k) Kuwa Katibu wa vikao vya bodi ya uongozi na Mikutano Mikuu na
kuandika kumbukumbu za mikutano hiyo na kutia saini.
(l) Kuhifadhi nakala za masharti haya, kanuni na sheria ya vyama vya
ushirika na nyaraka hizi ziwe wazi kukaguliwa na wanachama
wanapohitaji.
(m) Kufanya kazi nyingine zote ambazo atapewa / ataagizwa na bodi ya
uongozi.
13.2.6 KAZI ZA MWEKA HAZINA
TSACCOS itaajiri Mweka Hazina/Mhasibu mwenye sifa na ujuzi wa
kutosha. Aidha mwanachama mmojawapo mwenye ujuzi wa utunzaji
vitabu anaweza kufanya kazi ya Mweka Hazina na kulipwa ujira kidogo.
Kazi za Mweka Hazina zitakuwa hizi zifuatazo:-
(a) Kuandika na kutunza vitabu vya mahesabu na kumbukumbu nyingine
za fedha kwa kufuata kanuni za uandishi wa vitabu.
(b) Kutunza fedha na mali za TSACCOS kwa kufuata taratibu zilizowekwa.
(c) Kupokea fedha yote iingiayo ndani ya TSACCOS na kufanya
malinganisho ya fedha iliyopokelewa na iliyolipwa kila siku.
(d) Kufanya malipo yote baada ya kupata kibali maalumu cha bodi ya
uongozi. Kamati ya mikopo au Afisa mikopo.
(e) Kukusanya marejesho ya mikopo na faida.
(f) Kufanya malinganisho ya hesabu ya benki kila mwezi.
(g) Kuyatayarisha orodha ya wadaiwa kila mwezi na kuwasilisha kwa bodi
ya uongozi na kamati ya mikopo ambao watatoa uamuzi kuhusu hatua
za kuwachukulia wanachama waliocheleweshwa madeni yao zaidi ya
miezi mitatu.
(h) Kusaidia wanachama katika kujaza fomu ya maombi ya mikopo na
kuziwasilisha kwa kamati ya mikopo ili zifikiriwe.
(i) Kuandaa taarifa ya kila mwezi ya hali ya fedha na takwimu (monthly
financial and statistical report form) na kuiwasilisha kwa bodi ya
uongozi na nakala kwa afisa ushirika wilaya, mkoani na Mrajis wa
vyama vya Ushirika.
(j) Kutia saini katika hundi za TSACCOS.
(k) Kusimamia shughuli zote za kila siku ndani ya TSACCOS zihusuzo fedha.
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SEHEMU YA KUMI NA TATU
13.0 MIKUTANO MIKUU
Mkutano Mkuu ndiyo mwenye madaraka na mamlaka ya mwisho ya
uendeshaji wa shughuli za LAKWAO TSACCOS. LAKWAO TSACCOS
itakuwa na Mikutano Mikuu ifuatayo:-
(i) Mkutano Mkuu wa mwaka
(ii) Mkutano Mkuu wa kawaida
(iii) Mkutano Mkuu maalum
13.1 Mkutano Mkuu wa Mwaka
(a) Mkutano Mkuu wa mwaka wa TSACCOS utafanyika mara baada ya
kufunga mwaka wa fedha wa TSACCOS na isizidi miezi mitatu baada ya
mwisho wa mwaka wa hesabu.
(b) Mahudhurio ya Mkutano Mkuu yasipungue nusu (1/2) ya wanachama
wote au 100. Idadi isipotimia Mwenyekiti ataahirisha mkutano na
kupanga siku nyingine ya kufanya ndan ya siku 7 na idadi yoyote ya
wanachama waliohudhuria itafanya mkutano kuwa halali. Agenda ni
zile zile za mkutano ulioahirishwa.
(c) Mambo yafuatayo lazima yajadiliwe katika Mkutano Mkuu wa
Mwaka:-
(i) Kusoma na kuthibitisha mambo ya Mkutano Mkuu uliopita na
yatokanayo.
(ii) Taarifa za Mwenyekiti, Mweka Hazina na Katibu wa TSACCOS.
(iii) Kujadili taarifa ya ukaguzi wa Mrajis na kukubali au kukataa
taarifa ya mwaka ya mahesabu na mizania.
(iv) Kufanya uchaguzi wa wajumbe wa bodi na kamati mbalimbali za
TSACCOS ikibidi kusimamisha na kufukuza baadhi yao.
(v) Kujadili namna ya kugawana ziada kwa kuzingatia masharti ya
TSACCOS, kanuni na sheria ya vyama vya ushirika.
(vi) Kujadili mapendekezo ya miradi ya TSACCOS na kutoa
maamuzi.
(vii) Kuidhinisha ununuzi na uuzaji wa mali za TSACCOS zenye
thamani kama inavyoruhusiwa na sheria ya ushirika.
(viii) Kuzungumza mambo mengine yanayohusu maendeleo ya
TSACCOS kwa jumla na kutoa maelekezo ya utekelezaji kwa
bodi ya uongozi.
(ix) Kuidhinisha makisio ya mapato na matumizi ya mwaka
unaofuata.
(x) Kufikiria kiwango cha honoraria kwa ajili ya bodi ya uongozi.
(xi) Kuweka kiwango cha riba juu ya mikopo na amana za wasio
wanachama.
(xii) Kuweka idadi ya hisa na thamani ya hisa moja.
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(xiii) Kubadili au kufanya marekebisho yoyote katika masharti haya
kama ilivyo kwenye sheria ya vyama vya ushirika NA. 20 ya
mwaka 2003 kifungu Na. 46.
(xiv) Kujadili mapendekezo ya sera za TSACCOS.
(xv) Kupokea na kuthibitisha maombi ya wanachama wapya na
wanaojitoa.
13.2 MIKUTANO MIKUU YA KAWAIDA
(a) Kutakuwepo na Mikutano Mikuu ya kawaida miwili ambayo itafanyika
wakati wowote katika mwaka wa fedha wa TSACCOS.
(b) Mambo yafuatayo yatajadiliwa katika Mkutano Mkuu wa kawaida:
(i) Kuthibitisha muhtasari wa mkutano uliopita na yatokanayo.
(ii) Kujadili na kufikiria taarifa za maendeleo ya utekelezaji kutoka
kwa bodi ya uongozi, kamati ya mikopo na ya usimamizi.
(iii) Kuthibitisha kuingizwa au kufukuzwa kwa wanachama.
(iv) Kuidhinisha makisio ya mapato na matumizi ya mwaka
unaofuata.
(v) Kuweka ukomo wa madeni kwa mujibu wa sheria ya vyama vya
ushirika.
(vi) Kuzungumzia mambo yote yanayohusu maendeleo ya TSACCOS
kwa jumla na kutoa maelekezo ya utekelezaji. Hata hivyo
wanachama waliohudhuria mkutano wowote wanaweza
kuamua kubadilisha kwa muda mambo yatakayozungumzwa
kwa kura ya 2/3 ya wajumbe wote.
13.3 MKUTANO MKUU MAALUM
Kutakuwepo na Mkutano Mkuu Maalum wakati wowote utakapohitajika
na utaitishwa na:-
a) Mrajis wa vyama vya ushirika au Afisa aliyeidhinishwa naye.
b) Kwa maombi ya maandishi ya wanachma wasiopungua theluthi moja
(1/3) ya wanachama wote. Maombi ya wanachma hao ni budi yataje
sababu au jambo/mambo yatakayozungumzwa na waombaji lazima
waweke saini zao au alama za dole gumba. Nakala ya maombi hayo
itapelekwa kwa Mrajis au mwakilishi wake.
Mkutano Mkuu Maalum ulioitishwa kwa mujibu wa kifungu cha 36 kanuni
za vyama vya ushirika za mwaka 2004 hautajadili mambo mengine zaidi
ya yale yaliyotakiwa. Mkutano Mkuu Maalum ulioitishwa na Mrajis
utaongozwa naye au mwakilishi wake.
13.4 KUITISHA MIKUTANO MIKUU
a) Matangazo ya Mikutano Mikuu yatabandikwa katika ofisi ya TSACCOS
na kwenye mbao za matangazo au kwa kutumia taratibu nyingine
zinazokubalika.
24
b) Muda wa matangazo ya Mikutano Mikuu kwa mujibu wa kanuni za
vyama vya ushirika za mwaka 2004 kifungu cha 37 ni kama ifuatavyo:-
(i) Mkutano Mkuu wa mwaka na si chini ya siku 21.
(ii) Mkutano Mkuu wa kawaida si chini ya siku 21.
(iii) Mkutano Mkuu maalum si chini ya siku 7.
13.5 AKIDI KATIKA MIKUTANO
Kwa mujibu wa kanuni za vyama vya ushirika za mwaka 2004 kifungu cha
38 mahudhurio ya lazima katika Mikutano Mikuu itakuwa:
(i) Mahudhurio ya lazima katika mikutano ya chama yatabidi kuwa si
chini ya nusu ya wanachama wote au asilimia (100) ukichukulia
idadi yoyote iliyo ndogo. Uwakilishi utakubalika kwa wanachama
nje ya Makao Makuu.
(ii) Kwa Mkutano Mkuu ulioitishwa na Mrajis au Afisa aliyeteuliwa na
Mrajis idadi yoyote ya wanachama waliohudhuria wataendesha
mkutano na yoyote yatakayozungumzwa yatakuwa ni halali.
(iii) Kwa Mikutano Mikuu ya Mwaka na Kawaida ikiwa mahudhurio ya
lazima hayatoshi baada ya saa moja na nusu ya saa zilizopangwa
kupita, mkutano utaahirishwa kwa siku saba (7), na mkutano
utakaofuata mambo yatakayozungumzwa ni yale yale ya mkutano
ulioahirishwa. Iwapo mahudhurio hayatatosha tena, wanachama
waliohudhuria wanaweza kuendesha mkutano na maazimio
yanaweza kutolewa na idadi isiyopungua nusu (1/2) ya wanachama
waliohudhuria na maamuzi yatakuwa halali.
(iv) Kwa Mkutano Mkuu Maalum ulioitishwa na wanachama, Mkutano
utafutwa kabisa iwapo mahudhurio hayatatosha.
(v) Mwenyekiti wa TSACCOS ataendesha Mikutano Mikuu yote
isipokuwa Mkutano Mkuu Maalum ulioitishwa na Mrajis ambapo
Mrajis mwenyewe au Afisa yeyote atakayemteua atakuwa
Mwenyekiti. Mwenyekiti akiwa hayupo makamu wake ataongoza
mkutano. Iwapo wote wawili hawapo au hawataki kusimamia
mkutano huo katika muda wa dakika 30 baada ya muda
uliopangwa kuanza mkutano kupita, mwanachama yeyote katika
waliohudhuria atachaguliwa kuwa Mwenyekiti wa muda na
ataongoza mkutano huo.
25
SEHEMU YA KUMI NA NNE
14.0 UIDHINISHAJI NA UWEKAJI SAINI KUMBUKUMBU ZA TSACCOS
Kumbukumbu zote na mikataba ya TSACCOS itasainiwa na Mwenyekiti, au
Makamu Mwenyekiti, kama Mwenyekiti hayupo. Katibu/Meneja na kama
Mwenyekiti na Makamu Mwenyekiti hayupo basi mjumbe mmoja wa Bodi
ya uongozi.
SEHEMU YA KUMI NA TANO
15.0 UKOMO WA MADENI
Mkutano Mkuu wa TSACCOS lazima uweke ukomo wa madeni na ambao
utaidhinishwa na Mrajis msaidizi wa vyama vya Ushirika kama ilivyo
kwenye sheria ya ushirika.
SEHEMU YA KUMI NA SITA
16.0 MUHURI WA TSACCOS “COMMON SEAL”
(a) TSACCOS itakuwa na “Common Seal” na muhuri huo utakuwa na jina
kamili la chama LAKWAO TSACCOS LTD (LAKWAO Talanta Savings
and Credit Cooperative Society (2008) Ltd) na itakuwa tofauti na
mihuri ya kawaida ya TSACCOS.
(b) “Common Seal” itatunzwa ndani ya kasiki na kutumika na wahusika
wakuu tu wanao saini kumbukumbu za TSACCOS.
SEHEMU YA KUMI NA SABA
17.0 MAREKEBISHO YA MASHARTI
Masharti haya yatafanyiwa marekebisho kulingana na sheria ya ushirika na
marekebisho hayo hayatakuwa halali hadi hapo yatakapoidhinishwa na
kuandikishwa na Mrajis wa vyama vya ushirika.
SEHEMU YA KUMI NA NANE
18.0 KUVUNJWA AU KUFUTWA KWA TSACCOS
TSACCOS itaweza kuvunjwa na kufutwa kwa sababu zifuatazo:-
(a) Kwa maombi ya wanachama wasiopungua ¾ ya wanachama wote.
(b) Iwapo wanachama wamepungua na kuwa chini ya ishirini (20).
(c) Kwa amri ya Mrajis wa vyama vya ushirika chini ya kifungu 97 na 98
cha sheria ya vyama vya ushirika na 20 ya mwaka 2003.
26
SEHEMU YA KUMI NA TISA
19.0 MENGINEYO
(a) Migogoro au malalamiko yoyote kuhusu masharti au huduma za
TSACCOS kati ya wanachama au wanachama wa zamani au watu
wanaodai kupitia TSACCOS Bodi ya uongozi wa Afisa yeyote au kati
ya TSACCOS hii na Afisa yeyote, au kati ya TSACCOS na TSACCOS au
kati ya TSACCOS na chama kikuu (SCCULT) yapelekwe kwa Mrajis wa
vyama vya ushirika.
(b) Masharti haya yatasaidiwa na viambata au visaidizi kama vile kanuni za
fedha, kanuni za utumishi, sera na utaratibu za mikopo na kununi za
uhasibu.
19.1 Sisi tuliotia saini hapa chini ndiyo tulioteuliwa na mkutano wa
wanachama anzilishi wa LAKWAO TSACCOS (2008) LTD.
19.2 SAINI ZA WANACHAMA ISHIRINI (20)
NO JINA UMRI JINSI MAHALI WILAYA SAHIHI
1 PIUS MAJENGO
2 AUGUSTIN MOYA
3 HUSEIN YUSUFU
4 ZACHARIA SHIGUKULU
5 THEONIS NTWANGA
6 VICENT TARIMO
7 MALISELINA NCHIMBI
8 MATILDA NAMU
9 ISAYA MBUA
10 EMMANUEL JUMA
11 VIRGIN NJIKU
12 MWAJABU KITIMA
13 STELLA LAURENT
14 RAMADHAN ISSA
15 ROZI MAXIM
16 WILLIUM WENGA
17 BONIPHAS LOLA
18 OMARY ISSA
19 MARTIN DOMINIC
20 ELIZABETH MOYA
27
19.3 MUUNDO WA UONGOZI WA LAKWAO
TSACCOS(2008) LTD.

JAPAN VISITOR AT MSAKWALO SITE

PARTICIPATORY ASSESSMENT REPORT.

1
&
COMMUNITY ECONOMIC DEVELOPMENT PROGRAM.
ICD 531: PROJECT DESIGN AND MANAGEMENT.
DAR ES SALAAM – CENTRE.
SUBJECT: PARTICIPATORY ASSESSMENT REPORT.
STUDENT: SHIGUKULU, ZACHARIA FULI.
CLASS: 3.
INSTRUCTOR: DR HUSSEIN SINDA.
DATE: APRIL, 2008.
2
TABLE OF CONTENTS. PAGE.
1.0 TABLE OF CONTENTS………………………………………………………….2
2.0 INTRODUCTION…………………………………………………………………3
3.0 BACK GROUND INFORMATION……………………………………………...4
3.1 Community profile…………………………………………………………4
3.2 CBO Profile………………………………………………………………...5
4.0 AIMS/ OBJECTIVES OF THE ASSESSMENT…….…………………………..6
5.0 METHODOLOGIES………………………………………………………………7
5.1 Methods used in community assessment…………………………………8
5.2 Methods used in economic assessment……………………………………9
5.3 Methods used in health assessment………………………………………10
5.4 Methods used in environmental assessment…………………………......11
6.0 PARTICIPANT COMPOSITION……………………………………….………13
7.0 FINDINGS…………………………………………………… ………………….13
7.1 Asset/best practices………………………………………………………..13
7.2 Community assessment findings……………………………………...….14
7.3 Economic assessment findings……………………………………………17
7.4 Environmental assessment findings……………………………..………19
7.5 Health assessment findings………………………………………………..21
8.0 CHALLENGES…………………………………………………………………….22
9.0 CONCLUSION AND WAY FORWAD……………….…………………….…....22
10. REFERENCES……………………………………………………………………..23
3
2.0 INTRODUCTION.
In this paper, I am going to examine and explain on how participatory assessment was
conducted in the community of my own choice, the methodologies, findings observed
during the assessment and eventually use of the findings to prioritize the problem in a
participatory manner.
The exercise done in collaboration with the selected Community Based Organization
known as UMAKWA i.e. Umoja wa Maendeleo eneo la Kwamtoro, the government,
other stake holders and the Kwamtoro community. The Participatory assessment
included the Community assessment, the economic assessment, the environment
assessment and the health assessment.
However the main focus regarding this assessment is to identify problems and eventually
develop a project proposal basing on one of the 6 CED guiding principles namely
‘Developing a strong and sustainable local economy, through building local capacity
to sustain CED, so as to attempt to solve the identified problems in a joint effort.
4
3.0 BACKGROUND INFORMATION.
3.1 COMMUNITY PROFILE.
Location and climatic conditions.
Kwamtoro division is one of the 8 divisions of Kondoa District that is in Dodoma
Region. It is located in Southern Kondoa, lying between latitude 30o to 37 o East at
an altitude ranging from 1056 to 1300m above sea level. The area has 2 major
seasons, wet season from December to April and dry season from May to November.
Annual rainfalls ranging from 500-800mm per annum. Temperature ranges between
20 o C and 25 o C with an annual average of 22 o C; Annual average humidity is
67%. The, mean annual wind velocity is 130kms blowing from South- East West to
Northwest.
Coverage and demographic status
The area covers 950 Square kilometers that is about 7% of the total district area.
The total population is about 33,010 whereby 9,283 are females, 8,372 males, and
5,917 are boys and 9,438 girls with the average growth rate of 2.9% per annum,
as per 2002 census report. Dominant tribes in the area are Sandawe, Gogo, Nyaturu
and Barbeig who are basically pastoralists. More than 50% are Christians, 30%
Muslims and about 20% animists
5
Administration.
Kwamtoro Division is statutory divided in five (5) Wards, namely Lalta, Kwamtoro
and Ovada; others are Sanzawa and Mpendo.
Nevertheless, UMAKWA CBO covers three wards, these being Lalta, Kwamtoro and
Ovada. It encompasses a total of 17 villages
Socio- economic activities.
In comparison with other parts of the United Republic of Tanzania, this area is
estimated to have lower per-capita income (of less than 100,000 TSHS). Arable
farming, livestock husbandry and beekeeping are the major economic activities
Mixed farming is being practiced in this area i.e. crop-livestock integration. 30% of
the total population is agro-pastoralists and the rest are peasants.
Crops grown include: millet, sorghum, bulrush millet, groundnuts, cassava, sesame,
sweet potatoes, sunflower, pigeon peas and cowpeas.
3.1 CBO PROFILE.
The selected Community Based Organization is known as Umoja wa Maendeleo eneo la
Kwamtoro (UMAKWA). It is the Community Based Organization dealing with holistic
development issues. Its registration number is SO 14516 of 30th September, 2006.
UMAKWA operates in the Kwamtoro Division where by it covers three wards namely;
Kwamtoro, Lalta and Ovada in Kondoa District which is in Dodoma Region. The
coverage area of operation of UMAKWA is about 950 sq kms while the total population
as per 2002 census is 33,010 at projected rate of 2.9%
6
The aim/purpose of the Community Based Organization is to improve socio-economic
life of the community within the operation area. Its mission is to mobilize and involve
community for sustainable economic development through using the locally available
resources and other resources from outside the community.
In its operation, UMAKWA focuses on Agriculture, Health, and Education, Community
capacity building, Gender & Advocacy, HIV/AIDS & Malaria prevention and control,
Income generating activities and other related activities.
4.0 AIMS/OBJECTIVES OF PARTICIPATORY ASSESSMENT.
Participatory assessment is the process of gathering, analyzing, and reporting information
about the needs of your community and the capacities or strengths that are also currently
available in your community to meet those needs. A community assessment begins by
convening a group of citizens, establishing a vision and prioritizing the issues that require
change. This collaborative effort between local citizens provides a foundation for a
community assessment that includes professionals who have expertise on issues and
others who are likely to be affected by the changes you are planning ( such as children
and parents). The aim/objectives of the participatory assessment including Community
assessment, Economic assessment, Health assessment and Environment assessment were
as outlined below;

To understand the Kwamtoro Community and the operation of UMAKWA CBO.

To learn more about NGOs and other stake holders working in the community.

To identify problem/stresses, the causes of stresses, and community assets and
other best practices.
7

To collect information from the community in a participatory and joint manner.

To analyze the information and identify the problems/needs, capacities and
strengths available in the community, and ultimately prioritize the community
needs.

Use findings to develop/formulate a statement of a problem.

Develop project/programme proposal as an attempt to solve the jointly identified
problem.
5.0 METHODOLOGIES.
The methods used to collect/gather information were interview method; where by the
participants (stake holders were asked questions. Questionnaires and schedule were
prepared. Structured questionnaires were prepared. The questions were both closed and
open.
Focus group discussion was also used to collect data from the selected women, youths
and IGA groups.
Other methods used were-key informant interview, where by 20 individuals were selected
for their knowledge. In-depth and semi structured interviews were used to interview the
selected individuals. Interview guides listing topics were used.
However, questions were framed during the interview using probing techniques.
Community interview- public meetings were conducted where by questions from the
prepared interview guide were asked by the team of interviewers and answered by the
participants.
8
Direct observation and transect walk were also used. The CED student and CBO officials
recorded the information in the sites, meetings, gatherings and discussion.
Secondary data reviews were used.
5.1 METHODS USED IN COMMUNTY ASSESSMENT.
During community assessment, we used different methods and techniques.
such as demographic information.
Interview- focused or controlled interview has been used to test some particular
practices. The questions are pre-determined, pre-planed and reframed on the basis of the
pre-determined or pre-studied situation. The social and psychological reactions were
tested. The method was used because it enabled to study the events that are not open to
observation, also to study abstract factors like attitudes, back emotion reactions. It studies
the phenomena in its historical background.
Past events were studied through this method, and information gathered is quite reliable.
Another method used during community assessment was- questionnaire, which is very
less cost and expenditure compared to other method like observation.
It is only getting the questions prepared, and postage expenses, no much time on traveling
on meeting people, and need less skill to administer. Since the coverage of my chosen
community covers the large geographical and the informants are scattered, questionnaire
method helped to cover the larger area.
9
Focus group discussion method also used, where by small groups of people with
common interest e.g. IGAs groups, cultural groups, and business men/women were used.
Through this method, the selected data using other techniques were cross-checked.
The group size ranged from 7-10 participants. Interview guide were prepared in advance
before the day of discussion.
The selected participants were informed in advance on the date, time and venue for
discussion. Secondary data reviews were also used to get other secondary
information
5.2 METHODS USED IN ECONOMIC ASSESSMENT.
During Economic assessment, we used different methods and techniques.
Interview- focused or controlled interview has been used to test some particular
practices. The questions are pre-determined, pre-planed and reframed on the basis of
the pre-determined or pre-studied situation. The social and psychological reactions
were tested. The method was used because it enabled to study the events that are not
open to observation, also to study abstract factors like attitudes, back emotion
reactions. It studies the phenomena in its historical background.
Past events were studied through this method, and information gathered is quite
reliable.
Another method used during community assessment was- questionnaire, which is
very less cost and expenditure compared to other method like observation.
It is only getting the questions prepared, and postage expenses, no much time on traveling
on meeting people, and need less skill to administer.
10
Since the coverage of my chosen community covers the large geographical and the
informants are scattered, questionnaire method helped to cover the larger area.
Focus group discussion method also used, where by small groups of people with common
interest e.g. IGAs groups, cultural groups, and business men/women were used.
Through this method, the selected data using other techniques were cross-checked.
The group size ranged from 7-10 participants. Interview guide were prepared in advance
before the day of discussion.
The selected participants were informed in advance on the date, time and venue for
discussion. Secondary data reviews were also used to get other secondary information
such as demographic information.
5.3 METHODS USED IN HEALTH ASSESSMENT.
Observation- The participants observed the reality on the field to compare what was said
in the questionnaires. We used controlled observation where by a systematic observation
based on logic and reasoning was planed before. This method is objective oriented and
free from bias and prejudice. The observers were also as participants.
A non-participant observation method was also used where by the observer is present
in the group but he does not participate in their activities. The method was used due to the
number of reasons namely;

Simplistic and non-technical requirements.

It is also a greater accuracy guaranteed as the data collected or results achieved
are more accurate since the researcher himself collects data.
11

Moreover the result are more dependable and convincing that, results are based on
the data collected as the researcher himself collects the data and know that they
are correct.
Transect walk was also used where by I and CBO members walked to verify the
information reviewed from secondary data tools. Secondary data reviews were also
used to get other secondary information such as disease out break and infection
information.
Interview- focused or controlled interview has been used to test some particular
practices. The questions are pre-determined, pre-planed and reframed on the basis of the
pre-determined or pre-studied situation. The social and psychological reaction were
tested
The method was used because it enabled to study the events that are not open to
observation, also to study abstract factors like attitudes, back emotion reactions.
It studies the phenomena in its historical background. Past events were studied through
this method, and information gathered is quite reliable.
5.4 METHODS USED IN ENVIRONMENTAL ASSESSMENT.
Observation- The participants observed the reality on the field to compare what was
said in the questionnaires.
We used controlled observation where by a systematic observation based on logic and
reasoning was planed before. This method is objective oriented and free from bias
and prejudice. The observers were also as participants.
12
A non-participant observation method was also used where by the observer is
present in the group but he does not participate in their activities. The method was
used due to the number of reasons namely;

Simplistic and non-technical requirements.

It is also a greater accuracy guaranteed as the data collected or results achieved
are more accurate since the researcher himself collects data.

Moreover the result are more dependable and convincing that, results are based on
the data collected as the researcher himself collects the data and know that they
are correct.
Transect walk was also used where by I and CBO members walked to verify the
information reviewed from secondary data tools. Secondary data reviews were also used
to get other secondary information such as forest reserves and other natural resources
information.
Interview- focused or controlled interview has been used to test some particular
practices. The questions are pre-determined, pre-planed and reframed on the basis of the
pre-determined or pre-studied situation. The social and psychological reactions were
tested.
The method was used because it enabled to study the events that are not open to
observation, also to study abstract factors like attitudes, back emotion reactions.
It studies the phenomena in its historical background. Past events were studied through
this method, and information gathered is quite reliable.
13
6.0 PARTICIPANT COMPOSITION.
As the name of the exercise, participatory assessment involved different stake holders
within the community. The exercise conducted in three administrative wards of Ovada,
Lalta and Kwamtoro. Division, Ward and Villages Leaders participated.
NGOs like World Vision, Faith Based Organizations like mosques and churches were
represented by their respective leaders. Income generating activities group were also
represented, Women, Children, and youth were also represented in the exercise. 8
members from the UMAKWA Board of trustees participated.
Technical staff such as Rural Extension Officers, Ward Education Officers, Medical
Doctors, Nurses and Teachers were participated and consulted on technical issues and
information. Income generating activities group were also represented,
7.0 FINDINGS.
7.1 Assets/Best practices in the area.

Presence of other NGOs, and FBOs like World vision, Africare, RFSP, SEDA,
Churches.

Artistic and cultural activities in the community are sufficient.

Traditional dances and entertainments are still respected and highly valued hence
entertain the community, unites, and bring self esteem, personality and
community identity.
14

Availability of natural resources such as forests, bees, stone and minerals, sands
and animal reserves

Manpower/labor.
7.2 COMMUNITY ASSESSMENT FINDINGS.
The communities in the three Wards of Ovada, Lalta, and Kwamtoro have high
awareness on development issues due to the presence of World Vision Tanzania in the
area for almost 16 years.
However, it was noted that the community voluntarism is declining as time goes
compared to when World Vision entered in the area in 1992. The reasons behind the
voluntarism decline are poor supervision of the planned activities, egoism, lack of social
capital and misuse/misinterpretation of political freedom and democracy.
The community decision-making in the area is an open-minded process as the whole
community involved in planning and other community issues. The area is dominated by
the tribes of Sandawe, Gogo, Nyaturu, and Barbeig, and all are involved in community
activities. All genders, age groups, ethnic groups, traditional believers (animists) are
involved to reach the community decisions.
New ideas and alternative points are encouraged and accepted. However, women and
children participation in decision making is still low compared to men. There are gender
imbalances in leadership position, for example there is no women leader at Division and
Ward level, while there are only three women leaders at village level among the 17
villages.
Most of the Wards, Village, and Sub-village leaders have not received enough training to
enable them to perform there duties well. Village Governments are not competent enough
15
to manage their affairs. Village leaders, Extension workers and Ward Education Officers
have no transport and other working facilities to enable them to reach the target group
and perform their respective duties effectively.
The community seems to be a good place to raise children as good tradition values are
maintained and bad traditional values are removed and discouraged such as female
genital mutilation.
However, it is only good by approximately 60%, since there are some basic needs for
children remain unfulfilled or inadequate such as Education, health care and balanced
diet.
The community is not dealing adequately with poverty due to lack of capital, human
capacity, social capital as a result other basic needs termed as luxury such as balanced
diet, education, and other human right especially women and children right. Most of the
community members are not accessing health care due to low income. The cost of living
compared among community members differs, but majority of them are low income
earners and there cost of living are very high compared to District, Region and National
figures due to lack of small scale industries. Most of industrial and semi finished goods
come from the District and Region of which includes transport costs from manufacturing
place/plant to the community.
The community per capita income is 100,000/= tshs per annum compared to 135,000/=
tshs per annum of the District figure, while the average working distance to access basic
needs and services is 2 to 10 kms. The basic needs include; water, fuel, markets, shops,
Dispensary, Rural Health Clinics, Primary Schools, Secondary Schools, Traditional Birth
Attendants, milling machines and Cooperatives.
16
Most labor is carried by women in the community. This means women in the community
have to walk long distances to fetch for water, collect firewood, take children to health
centers, attend farm activities and get to markets, milling machines, shops and other
essential service centers. There is no financial institution in the area until 85 km long in
Kondoa town.
The housing in the community is not adequate. More than 70% of the population live in
the muddy grass roofed houses or not improved houses.
There are some community assets and traditional values declined such as admiration that
is relation between children and adults. Formerly, the children were treated as children of
the community. Any parent could warn or advise any child irrespective of child- parent
relationship, but today it is not acceptable to punish children who are not their own sons
or daughters. This decline of traditional values resulted into decline of respect among
community members, absence of social capital and ultimately increase of labor outflows
as youth are moving to town for job search as house girls/boys and barmaids. Some
cultural differences resulting in conflict for example, barbeigs tribes are animal keepers
while Sandawe tribes are hunters and farmers traditionally. There fore, sometimes animal
feed on farmers crops hence conflict arises between animal keepers and farmers.
In addition, men are not allowed to check/inspect food storage facilities as it is only
women who are supposed to control and monitor each and every thing in storage
facilities. Contrary to that conflict may arise between father and mother in the family.
Education facilities in the community are not sufficient. Some villages have no primary
schools e.g. Kisande Village. Even those with schools, the classrooms, desks and text
books are not sufficient and there fore not helpful to business and labor in the
17
community. However, the artistic and cultural activities in the community are sufficient.
Traditional dances and entertainments are still respected and highly valued hence
entertain the community, unites, and bring self esteem, personality and community
identity.
7.3 ECONOMIC ASSESSMENTS FINDINGS.
Kwamtoro community is one among the community in Tanzania with little Business and
Economic activities. Even these little existing business are not doing well these include;
transportation, petty business like women cafes, milling machines etc. these businesses
and economic activities are not doing well due to lack of reliable markets, low per capita
income among the community members, low savings, lack of source of capital, lack of
entrepreneurship skill, lack of financial institution and services until 85km long in
Kondoa or 165 km in Dodoma, hence low money circulation in the local economy.
Moreover, transportation sector is hurting more than other sector due to poor
infrastructures and poor economic growth. Although it is usually difficult to get a
business or home loan in the area, in some locality like Msera Village, local economy
success make housing more affordable to the community members due to small scale
irrigation activities and vegetable production.
Private investors tend to shun the community due to lack of markets, low economic
growth and poor infrastructures. The community expansion through influx of Barbeigs,
Nyaturu and Gogo from the neighbor Districts helps business, although in some places
cause environmental degradation.
There are certain types of jobs paid less than living wage. These include; labor employed
in domestic works as house girls/boys, labor employed in agriculture and labor employed
18
to look after cattle. Business and other economic activities do not provide adequate
benefits to employees. However there are prospects of employments to improve for the
next generation due to expansion of agriculture sector, improvement of education and
opening of more Secondary Schools and other civil services in the community.
The challenge of today is inadequate job training being received by employees and the
job opportunities are not matching with the job skills in the community. Some of the jobs
such as computer operator, health/medical staff and Secondary teachers are very hard to
fill, where by the community residents can not fill them. Business people feel to operate
in a hard business environment due to lack of reliable markets, Poor infrastructures and
lack of reliable source of capital or financial institutions. There is only one weak saving
and credit cooperative society which stationed its head quarter at Kwamtoro village. The
saccos failed to mobilize more members to join it due to long distance from some of the
villages to the saccos office, poor knowledge on saving and entrepreneurship.
Industrial goods and other semi processed items are bought from out side the community
because there are even no small scale industries. Agricultural products and other animal
products are purchased from within the community, though are not produced at optimum
point. Much money and other resources leak from the local economy because the local
economy promote more out flows than inflows, that is industrial goods and other services
like transportation, banking etc take a large amount of resources received through selling
of agriculture and animal products. However, economic development tends to emphasize
business retention and expansion.
19
Agriculture sector is the most beneficial in the community as it employ almost 95% of
the population and is the only main reliable source of income in the community though
there is about 25% disguised unemployment in the local economy. There are very few
people employed in other business apart from agriculture and animal husbandry, despite
the fact that they have no appropriate business skills necessary to succeed.
The size of informal business is very small which benefits less than 25% of the
population. The public service and infrastructure are not adequate to promote informal
business, for example there is only one rural health centre, one Police station, no fire
station, only three Secondary schools, no tarmac roads and no passable feeder roads to
join the villages scattered over the area of 950 sq kms.
Despite the inadequate public services in the area, the community attracting new growth
that will require expansion of existing services/facilities and the creation of new facilities
and they are ready to pay or contribute for the services.
7.4 ENVIRONMENTAL ASSESSMENTS FINDINGS.
There is an indiscriminate cutting down of trees in various places of the area due to lack
of alternative sources of energy. Falling of trees is done for firewood and charcoal
burning that is used in urban area particularly Kondoa, Singida and Dodoma towns.
The continued reduced forest cover which has being caused by reduced size of forest
area, caused by uncontrolled livestock grazing, shifting cultivation, high frequency of
wild fires caused by honey collector, hunters, poachers, shifting cultivation, pastoralist
for the aim of getting fresh pasture and eradication of ticks and tsetse fly. These are
hampering natural regeneration resulting in eventual deforestation. There is an
20
indiscriminate cutting down of trees in various places of the area due to lack of
alternative sources of energy. Falling of trees is done for firewood and charcoal burning
that is used in urban area particularly Kondoa, Singida and Dodoma towns.
The continued reduced forest cover which has being caused by reduced size of forest
area, caused by uncontrolled livestock grazing, shifting cultivation, high frequency of
wild fires caused by honey collector, hunters, poachers, shifting cultivation, pastoralist
for the aim of getting fresh pasture and eradication of ticks and tsetse fly. These are
hampering natural regeneration resulting in eventual regeneration.
The continued rate of farm expansion, which is caused by population increase and low
production per unit, leads to the increased demand of more land for farming, hence
increases the depletion of trees and accelerated deforestation with intensive tree cutting.
These unsustainable uses of natural resources lead to depletion of ecosystems and affect
other resources such as water sources of Mala and Totose at Ovada village. Hard woods
as Mininga and Mipingo for furniture are being used faster than they are replenished.
Given the current trend, the community children are likely to find community’s natural
resources and ecosystem services in a very bad condition. There are no recreational
places or activities essential to business in the community except the public holidays.
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7.5 HEALTH ASSESSMENTS FINDINGS.
In the case of health facilities, the Kwamtoro community has one Health centre at
Kwamtoro and 4 Dispensaries at Magambua, Ovada, Kinyamsindo and Lahoda Villages.
In addition, there are 7 Health posts at Ndoroboni, Msera, Ilasee, Mengu, Takwa, Baaba,
and Dinae Villages. All these health facilities are facing inadequate health staff and other
working facilities including shortage of medical supplies, medical equipments and
furniture. There is no children ward at Kwamtoro health centre. Children are mixed with
adult in case of admission. The health services provided in these facilities include also
HIV/AIDS counseling and testing, malaria and prenatal.
The nearest referral Health centre/Hospital is about 85 kms that is from Kwamtoro to
Kondoa or to Makiungu Hospital in Singida Region. The transport to reach the nearest
referral facilities is not readily available due to poor infrastructure. The Nurse/patient
ratio at Health facilities is 1: 100 the same as medical doctor/ patient ratio. There is no
children ward at the health centre. Children were admitted in the same ward with adults.
More than 40% of the population has no latrine. High occurrences of malaria, diarrhea
pneumonia, skin diseases, anemia and high infection of HIV/AIDS
The Community members’ pays for health services and some times share costs as the
Government and other service providers subsidize the cost. The major service providers
in the community are the government and the church where by the government
contributes 98% and 2% contributed by churches.
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The current increases in population resulted in an increase and improve of health
facilities and service as their contribution through payment in exchange of service
received in term of treatments, since the services are not offered free of charge. Also they
participate in day today activities and planning session in the community.
8.0 CHALLENGES.

Difficulties to get district data and technical officials for consultation.

Higher expectation of the community to be assisted to solve their problems
irrespective of the student aspiration, education background and experience.

Demand of sitting allowance for participating in the exercise.
9.0 CONCLUSION AND WAY FORWARD.
After going through the information collected, analyzing them, we agreed that, the
problem is “lack of income generating activities, saving and credit initiatives” basing on
my future aspiration, education background and experience I will focus on developing a
strong and sustainable local market economy through, building local capacity to sustain
CED, by mobilizing and creating community awareness on income generating activities,
saving and credit cooperative initiatives, where by the existing IGAs will be strengthened
and mobilized to form a saving and credit cooperative within the community. In summary
my project’s problem statement will be “promotion of income generating activities,
savings and credit initiatives”. The ultimate goal will be to form a strong saving and
credit cooperative society within the community.
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10.0 REFERENCES.
 Kondoa District profile
 National Population census report, (2002).
 Narayan, J.R.M. (1962). Participation and social assessment. Tools and
techniques.
 Rwegoshora, H.M.M.(2006). A guide to social science research.