CED PROJECT PLANS

&
COMMUNITY ECONOMIC DEVELOPMENT PROGRAM.
ICD 531: PROJECT DESIGN AND MANAGEMENT.
DAR ES SALAAM – CENTRE.
SUBJECT: PROJECT PLAN REPORT.
Project implementation plans,
Project monitoring & evaluation plan,
Project sustainability plans.
STUDENT: SHIGUKULU, ZACHARIA FULI.
Email. shigukulu06@yahoo.co.uk
Tel. 0784425498 or 0754830713.
CLASS: 3
INSTRUCTOR: DR HUSSEIN SINDA
DATE: JUNE, 2008.
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TABLE OF CONTENT PAGE.
1.0 TABLE OF CONTENT………………………………………………………..1
2.0 INTRODUCTION……………………………………………………………..2
2.1 DEFINITIONS…………………………………………………….…3
2.2 PARTICIPATORY ASSESSMENT AND ITS FINDINGS……….…4
2.3 PROBLEM STATEMENT AND PROJECT DESCRIPTION……......5
3.0 PROJECT IMPLEMENTATION PLAN……………………………………...9
3.1 Description of activities and outputs…………………………………...9
3.2 Inputs, staffing pattern and budget…………………………………….11
3.3 Project implementation plan table……………………………………..15
4.0 PROJECT MONITORING AND EVALUATION FRAME WORK……….21
5.0 PROJECT SUSTAINABILITY PLAN…………………………….….…….27
5.1 Sustainability…………………………………………………...……..27
5.2 Sustainability plan and sustainable development..................................27
5.3 Strategic planning and management……………………………..…..29
6.0 CONCLUSION…………………………………………………………..…..32
7.0 REFERENCES………………………………………………………………..34
8.0 APPENDICES/ANNEXES…………………………………………….……..35
8.1 Logical frame work matrix………………………………………….…40
8.2 Project budget spreadsheet (proforma)………………………………...35
8.3 SACCO’S Organization structure……………………………….……44
8.4 Job description for SACCO’S staff……………………………….…..45
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2.0 INTRODUCTION.
This project is the outcome of the joint effort done during the participatory assessment
by the kwamtoro community, UMAKWA CBO (the host organization), other stake
holders and the CED student. The participatory assessment included Community
assessment, Economic assessment, Environmental assessment and the Health assessment.
This paper will provide meaning of basic concepts together with the analytical
description of the project implementation plan, project monitoring & evaluation and
project sustainability plan in a detailed manner.
The project is going to take place in the three Wards of Kwamtoro, Lalta and Ovada in
the Kwamtoro Division within Kondoa District in Dodoma Region.
The total villages to be covered are 17 with the coverage area of 950 square kilometer,
while the total population estimated to be 38,528 at a projected rate of 2.9% as per 2002
National population census.
The project has two components, where by the first component is to promote
income generating activities and microenterprises while the second component will
be promotion of savings and credit initiatives through formation of community
owned saving and credit cooperative society (SACCOS).
This initiative will solve a number of problems identified during participatory
assessment such as ; poor savings and investment, low money circulation in the local
economy, low income among community members caused by lack/ inadequate
capital, lack of entrepreneurship skills, lack of financial intermediaries and
unemployment.
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2.1 DEFINITIONS.
Project implementation plan is a systematic list of activities planed in order to
accomplish the project objectives, while activities are series of specific steps or tasks
carried out in order to achieve an objective. They require resources, have a sequence and
have some one responsible for carrying them out. In other words, activities are actions in
the context of programming which are both necessary and sufficient, and through which
inputs (financial, human, technical and material resources) are mobilized to produce
specific outputs or contribute to the outcome. Activities may also be referred to as
“Development interventions”
The components of an implementation plan are project objectives, activities, person
responsible, time frame (starting and ending points) and necessary resources. Project
implementation plan is the tool for planning, monitoring/supervision, allocation of
resources and evaluation.
Participatory project monitoring and evaluation plan is the systematic series/steps of
monitoring and evaluation activities planed in a participatory manner (involves all project
stake holders). A participatory project monitoring is the continuous function that aims
primarily to provide managers and main stake holders with regular feedback and early
indications of progress or lack thereof in the achievement of intended results. Monitoring
tracks the actual performance or situation against what was planed or expected according
to pre-determined standards. It involves collecting and analyzing data on implementation
processes, strategies & results and recommendation corrective measures. All these are
done in participatory way (involving all project stake holders). Participatory evaluation
is the collective examination and assessment of the programme/project by the stake
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holders and beneficiaries. Participatory evaluation are reflective, action oriented, and
seek to build capacity. Participatory evaluations are primarily oriented to the
information needs of the stake holders rather than the donor who act as facilitator.
Project sustainability plan is the systematic outlines which explain the continuity or the
capacity of the project to continue functioning supported by its own resources (human,
material and financial) even when external source of funding have ended. Or it explains
the durability of positive programme/project result after the termination of the technical
cooperation channeled through that programme or project.
Static sustainability- the continuous flow of the same benefits set in motion by the target
by the completed programme or project, to the same target groups and/or other groups.
For an out come, it reflect whether the positive changes in development situation will
endure. The list of inputs that lead to sustainability of the project includes;
community participation in the project planning process, community recognition of
real needs, varied funding sources, technically, competent staff, budget within reach
of community, progressive growth of project, properly phased activities, politically
feasible, appropriate collaboration with other agencies, support of community
leaders, use of appropriate technology in the intervention, revolving funding.
2.2 PARTICIPATORY ASSESSMENT AND ITS FINDINGS.
The participatory assessment conducted jointly by the Kwamtoro community, the
host organization (UMAKWA CBO), other stake holders and the CED student. The
assessment included community assessment, economic assessment, health
assessment and Environ mental assessment. The methodologies used during the
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participatory assessment included, interview method through questionnaires. Other
methods used were focus group discussion, documentary review and observation
methods.
The findings/problems observed/identified during participatory assessment
includes; inadequate capital, low per capital income (100,000/= Tshs), far walking
distance to access basic needs (water, markets, shops, dispensary, rural health
clinics, schools and milling machines) which is 2 to 10 kms. Poor housing i.e. muddy
grass roofed houses, high labor outflows i.e. youths are moving to towns for job
search as job house girls/boys and barmaids, very few existing business, no reliable
markets, lack of entrepreneurship skills Lack of financial institution in the
community until 85 km in Kondoa/Singida or 165 kms in Dodoma, low money
circulation, poor infrastructures low savings, about 25% of disguised
unemployment, small size of informal sector benefiting less than 25% of the
population. Deforestation caused by uncontrolled livestock grazing, fire wood and
charcoal burning, wild fire outbreak caused by honey collectors and hunters.
2.3 PROBLEM STATEMENT AND PROJECT DESCRIPTION.
After going through the problems/findings identified during the participatory assessment,
the community, stake holders, the host organization (UMAKWA CBO), and the CED
student, agreed to prioritize the problem basing on beneficiaries priority, and also basing
on student aspiration, Education background and experience, we opted to focus on
developing local capacity to sustain community economic development. The
concentration will be to tackle the problem of income poverty by reducing the
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problem where by the identified causes are; unreliable markets, insufficient existing
businesses/income generating activities or microenterprises, lack of
entrepreneurship skills, lack of financial intermediaries, inadequate capital and low
per capita income. The income poverty in the community resulted(effects) to poor
housing(muddy grass roofed houses), inability to fulfill basic needs like education,
food, medical care and treatment and other social obligations, poor/low savings, low
money circulation, small size of informal sector, disguised unemployment,
deforestation and environmental degradation.
The project therefore, will focus on mobilizing and creating community awareness on
income generating activities, savings and credit initiative, where by the existing income
generating activities will be strengthened and mobilized to form a strong community
based/owned savings and credit cooperative society. Under the project, the existing
business groups (small and microenterprises) will be empowered through business
trainings to equip them with entrepreneurial skills. Other new interested community
members will be encouraged to start microenterprises and be trained in microenterprise
skills.
In addition, the empowered economic/business groups together with other community
members will be sensitized and mobilized to join and form a strong community owned
saving and credit cooperative society. By so doing members will eventually save and
borrow money for their small and micro businesses.
The target community/beneficiaries are expected to participate in the project
implementation by attending fully in the workshop and entrepreneurship trainings and
sensitization meetings by also covering the transport cost to the training venues/centre.
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Moreover, the potential members are expected to contribute through entrance fee, buying
shares, saving and depositing their little earning voluntarily to the SACCOS. The interim
committee selected by the community will offer service on voluntary basis.
The initiative will not only increase savings, investments and money circulation in the
economy but also raise income level, employment and business ownership among
community members. There fore, the project's problem statement is “promotion of
income generating activities, savings and credit initiatives at Kwamtoro, Lalta and
Ovada wards.”
Target community.
The project targeted to serve the total population of 33,010, where by 9,293 is adult
female, 8,372 are adult males, 5,917 are boys and 9,438 are girls. The coverage area will
be under the three Wards of Kwamtoro, Lalta, and Ovada in Kwamtoro Division, which
encompasses of a total of 17 Villages namely; Ndoroboni, Kwamtoro, Msera, Ilasee,
Magambua, Handa, Lahoda, Manantu, Wairo, Kisande, Dinae, Ovada, Mengu,
Kinyamsindo, Takwa, Jogolo and Baaba.
Stake holders.
There are other stake holders in the project. The first one is the Kondoa District council,
where by the cooperative development officer and the community development officer
will participate to guide the formation of microenterprise and SACCOS as per National
policies and guidance. They are going to be the Lead trainers of the groups and SACCOS
in general and facilitate legal aspects towards registration.
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Another important stake holder is World Vision Tanzania, who is going to offer
financial assistance particularly in all trainings costs by covering training fees and
related costs. World vision agreed to support the initiative because it is in line with its
strategic plan of empowering the poor community in sustainable issues. World vision
through its community based programme at Kwamtoro, will offer a temporary
office freely for a new established SACCOS. Commercial banks like NBC, CRDB
will be other stake holders in terms of financial services.
Project goal.

To improve socio- economic status of the Kwamtoro, Lalta and Ovada Wards,
Kondoa district, Dodoma Region, Tanzania.
Project purpose.

To strengthen 54 groups of income generating activities in Kwamtoro, Lalta and
Ovada.

To establish saving and credit cooperative society in the community.
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Project objectives.

Increase the knowledge and practices of microenterprise to 54 income generating
activity groups (160) members’ people by the end of 2009.

To increase the knowledge, participation and management of 1,000 community
members on SACCOS issues by the end of 2009.

To increase savings, shares and deposit to 60,000,000/= by the end of 2009.

To increase employment opportunities to 150 peoples by the end of 2009.

To reduce disguised unemployment by 2% in October 2009.

To Increase the size of informal sector from 25% - 30% by the end of 2009.
3.0 PROJECT OF IMPLIMENTATION PLAN.
3.1 Description of activities and outputs.
At the end of the second year, the project will accomplish a variety of activities and
generates a number of products and outputs. The activities to be accomplished
includes; trainings to 54 groups of income generating activities on microenterprise
skills, supporting income generating with appropriate facilities like sewing machines and
carpentry tools/inputs. Sensitize and create awareness to the community members on
microenterprise knowledge and informal sector.
In addition, the community members will be sensitized and equipped knowledge on the
importance of saving and credit cooperative society (SACCOS) and the advantage of
saving and depositing of their little earnings to the community owned SACCOS.
The project will facilitate the selection of SACCO’s interim committees of 15 members
and train them on effective operation of primary SACCOS. The interim committee
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members will form the Management Board, Supervision committee, loan committee,
education and promotion sub-committee. The key employees such as SACCO’s
secretary/manager and Account clerk will be trained on the relevant skills focusing on
effective operation and accounting system as per the Tanzania Cooperative Development
policy of 2002, and the Cooperative ACT no 20 of 2003.
Moreover, the project will facilitate the SACCOS interim committee to prepare SACCOS
constitution, loan policy, and savings and deposits policy and eventually assist the
committee to register the SACCOS legally, in collaboration with the Kondoa District
Cooperative officer. During constitution preparation, the SACCO’s mission and vision
will be taken care of. The project will assist the interim committee to visit other similar
organization within Tanzania for learning purposes.
After the registration, the project will facilitate promotion activities through use of
inaugurations functions, promotion meetings accompanied with the use of t-shirts, posters
and leaflets, and provide of prizes like shares and special t-shirts to those members with
more savings and deposits.
However training of income generating activist group leader and training the community
on the entrepreneurship skills and importance of establishing income generating activities
and small and medium enterprises will lead to increase of employment to about 150
people and reduce disguised unemployment by 2%.
on the other hand the community members will be sensitized and equipped on the
advantages of using financial intermediaries like microfinance institutions, their own
SACCOS, and hence strengthen their business and eventually increase the size of
informal sector from 25% to 30% by the end of 2009.
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After the performance and accomplishment of the above activities, the expected
outputs/products are; 160 community members trained and practicing
microenterprise/businesses in the community, 25 groups of income generating activities
supported with appropriate facilities such as sewing machines and carpentry tools/inputs.
1,000 or more members joined the SACCOS with a minimum average of 3 shares of
5,000 each and 45,000 saving & deposits per each member. The Management Board and
other sub-committee will be in place and exercising their respective responsibilities. 2
trained key employees (SACCO’s manager and Account clerk) in place and working with
the SACCOS. At the end of the project, the registered SACCO’S important documents
such as constitution, loan policy, saving and deposits policy will be in place and in use.
Other output expected are 250 t-shirts, 500 posters and leaflets distributed to community
members and SACCOS members. 10 special t-shirts distributed to winners of the share,
savings and deposits competition during the promotion activities aiming at increasing
shares, savings and deposits to 60 millions Tshs.
The 54 trained group leaders and 150 peoples employed as a result of new employment
opportunities created. The size of informal sector expected to increase from 25% to 30%
by the end of year 2009.
3.2 Inputs, staffing pattern and budget.
(a) Inputs.
During project implementation, there must be a number of inputs to be used to enable the
activity accomplishment. These inputs include; training facilities/equipments such as
flipcharts, note books/exercises books, ball pens, transport facilities, motor vehicles,
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loudspeakers, t-shirts, posters & leaflets, financial documents like receipt books,
membership ledger book, passbooks, trainers/facilitators and funds/money.
Others are sewing machines, carpentry tools/inputs like hammers, cutting saws, other
documents such as Cooperative development policy of 2002, the Cooperative ACT no 20
of 2003, the small and medium enterprise development policy of 2000 as guideline and
references for the training and process towards registration of SACCOS and formation of
microenterprises and income generating activities.
(b) Staffing pattern.
Since the project involves also the formation of a community owned SACCOS, there
must be an organization structure which includes also staff for the day today
operation/running activities. The overall management of the SACCOS will be under the
Management Board of not more than 9 people including supervision committee of 3
peoples. The chairperson will lead the Management Board, which is accountable to the
general meeting assembly.
However, there must be a Secretary or SACCOS Manager who will supervise the day to
day activities and other staff. The SACCOS Manager is accountable to the Management
Board. Under the secretary or manager, there must be an Account clerk to deal with all
financial transaction and book keeper of the SACCOS.
The manager will need training on fund raising and business promotion, how to manage
the SACCOS, with reference to the Cooperative development policy of 2002 and
Cooperative act no 20 of 2003. The SACCOS Account clerk will need training on
SACCOS accounting, Cooperative accounting, book keeping and customer care services.
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(c) Budget.
The budget for this project will come from different stake holders. The host organization
(UMAKWA CBO), World Vision Tanzania through its community based Programme
(Kwamtoro Area Development Programme), the community and the Kondoa District
council will contribute towards the project implementation.
World Vision through Kwamtoro Area Development Programme will provide a
temporary office at Ovada village free of charge. Kwamtoro Area Development
Programme will bear all the training costs pertaining income generating activities,
microenterprise, entrepreneurship skills, SACCOS, microfinance, study visits, promotion
activities and other item supports. On the other hand the host organization (UMAKWA
CBO) will foot the cost for training of the 15 SACCOS interim committee members,
registration costs and prize cost for the competition winners. The community members
will bear the cost for fare to the training centers, costs during the selection of the 15
interim committee members and during the preparation of the SACCOS important
documents. The formed SACCOS will pay all the salaries and benefits of the employees
i.e. SACCO’s manager and Account clerk.
At the beginning, the SACCOS manager preferably to be a SACCOS member, will be
paid 180,000 Tshs per month while the Account clerk also preferably a SACCOS
member will be paid 150,000 Tshs per month. The management board will work on
voluntary basis until the SACCOS financial and economic status stabilizes.
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(d) IMPLEMENTATION PLAN IN A SUMMARIZED TABLE.
OBJECTIVE1.0.
To increase knowledge and practice of microenterprise to 54 income generating activity groups by the end of2009.
Activities
Project month.
Resources
needed.
Person
responsible.
j a s o n d j f m a m j
1.1 To conduct 4 trainings on microenterprise
knowledge to 54 income generating activity
groups of 160 people.
x
x
x
x
Trainees,
Trainers,
stationeries,
money,
transport,
meals,
accommodati
on and
drinks.
UMAKWA
Chairperson
& CED
student.
1.2 support income generating activity groups
with appropriate facilities like sewing machines,
carpentry tool/inputs
x
Money for
buying
facilities.
UMAKWA
Chairperson
& CED
student.
OBJECTIVE 2.0
To increase the knowledge, participation and management of 1,000 community members on SACCOS issues by the end to
2009.
2.1 To conduct 17 sensitization and awareness
creation meetings to community members on
SACCO’s issues- i.e. savings deposits, joining &
buying shares.
Transport,
meals, soft
drinks,
loudspeaker,
UMAKWA
Chairperson
& CED
student.
15
x
facilitator
and money
for
facilitation
fees.
2.2 facilitate selection of SACCO’S interim
committee of 15 members.
x
Transport &
meals
CED
student.
2.3 Train 15 SACCO’S interim committee
members on effective operation of primary
SACCOS that is Management Board, Supervision
committee, loan committee, and education &
promotion sub-committees.
x
Trainees,
Trainers,
stationeries,
money,
transport,
meals,
accommodati
on and
drinks.
UMAKWA
Chairperson
& CED
student.
2.4 Train key employees (secretary & Accounting
clerk) of SACCOS on relevant skills focusing on
effective operation & accounting system as per
Tanzania cooperative ACT No 20 of 2003.
x
Trainees,
Trainers,
stationeries,
money,
transport,
meals,
accommodati
on and
drinks.
UMAKWA
Chairperson
& CED
student.
2.5 To facilitate the SACCO’S committee to
prepare SACCOS constitution, loan policy,
savings and deposits policy.
Stationeries,
transport,
meals,
accommodati
UMAKWA
Chairperson
& CED
student.
16
x on and
drinks.
2.6 Assist the SACCOS interim committee to
register the SACCOS as per Tanzania cooperative
ACT NO 20 of 2003.
x
Money for
networking,
transport,
meals &
accommodati
on.
UMAKWA
Chairperson
& CED
student.
2.7 support interim committee members to visit
other similar organization within Tanzania for
learning purpose.
x
Meals,
accommodati
on, transport
costs and
institutional
fees.
UMAKWA
Chairperson
& CED
student.
OBJECTVE 3.0.
Increase savings, deposits and shares to 60,000,000/= by the end of 2009.
Activities
Project month.
Resources needed. Person
responsible.
j a s o n d j f m a m j
3.1 Conduct promotion activities through use of
meetings, T-shirts, posters and leaflets.
x
x
Money, t-shirts,
posters, leaflets &
transport costs
UMAKWA
Chairperson
& CED
student
3.2 Provide prizes like special T-shirts, 1-2 shares
to members with more savings/shares.
Money, t-shirts &
transport costs
UMAKWA
Chairperson
17
x x & CED
student
OBJECTIVE 4.0
To increase employment opportunities to 150 people by the end of 2009.
Activities
Project month.
Resources needed. Person
responsible.
j a s o n d j f m a m j
4.1 Train 54 leaders of IGAs on entrepreneurship
skills
x
Trainees, Trainers,
stationeries, money,
transport, meals,
accommodation and
drinks.
UMAKWA
Chairperson
& CED
student.
OBJECTIVE 5.0
To reduce 2% of disguised unemployment by the end of 2009.
Activities
Project month.
Resources
needed.
Person
responsible.
18
j a s o n d j f m a m j
5.1 Conduct sensitization meeting to the
community members on the importance of
establishing income generating activities.
x
x
Transport, meals,
soft drinks,
loudspeaker,
facilitator and
money for
facilitation fees.
UMAKWA
Chairperson &
CED student
5.2 Creating awareness to the community
members on the advantage of using financial
intermediaries like SACCOS, microfinance
institution to strengthen their businesses
x
x
Transport, meals,
soft drinks,
loudspeaker,
facilitator and
money for
facilitation fees.
UMAKWA
Chairperson &
CED student
OBJECTIVE 6.0
To increase the size of informal sector from 25% to 30% by the end of 2009.
Activities
Project month.
Resources needed. Person
responsible.
j a s o n d j f m a m j
6.1 To sensitize and mobilize youth to engage
them in the informal sector.

x
x
Transport, meals, soft
drinks, loudspeaker,
facilitator and money
for facilitation fees.
UMAKWA
Chairperson &
CED student
19
OBJECTIVE 7.0
To support SACCO’s staff for effective and efficient project implementation.
Activities
Project month.
Resources
needed.
Person
responsible.
j a s o n d j f m a m j
1.7.1 Facilitate staff salary payment to the SACCOS
Secretary/manager.
x
x
x
x
Money,
stationeries,
employees.
SACCOS
Chairperson &
MANAGER
1.7.2 Facilitate benefit payment to the SACCOS
Secretary/manager.
x
x
x
x
Money,
stationeries,
employees
SACCOS
Chairperson &
MANAGER
1.7.3 Facilitate salary payment to the SACCOS
Account clerk.
x
x
x
x
Money,
stationeries,
employees
SACCOS
Chairperson &
MANAGER
1.7.4 Facilitate benefit payment to the SACCOS
Account clerk.
x
x
x
x
Money,
stationeries,
employees
SACCOS
Chairperson &
MANAGER
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4.0 PROJECT MONITORING & EVALUATION PLAN
Objectives
Activities
Indicators
Data source
Methods/tools
Person
responsible
Time frame
1.0. Increase
knowledge and
practice of
microenterprise to 54
groups of income
generating activities
by the end of 2009.
1.1 To conduct 4 trainings on
microenterprise knowledge to
160 people for 2 days.
#of trainings
conducted.
#of days for the
training.
- Training reports.
- Attendance list.
-documentary review
- focus group
discussion
-CBO Chair person
- Comty members.
-CED student.
July-oct 08.
1.2 support IGA’s groups with
appropriate facilities (15 sewing
machines & 10 carpentry tools
#of community
members
attended the
trainings.
#of IGA groups
supported.
#of inputs
facilities
provided.
- Project reports.
- Handing over
reports.
- Distribution list.
- Observation.
-Documentary review.
-CBO Chair person
- Comty members.
-CED student.
November 08.
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2.0
Increase the
knowledge,
participation and
management to 1,000
community members
on SACCOS issues by
the end to 2009
2.1 facilitate 17 sensitization and
awareness creation meetings to
community on SACCO’S issues.
# of
sensitization/awa
reness creation
meetings
conducted.
# of community
members
attended.
- Project repots.
- Minutes and
attendance list.
-observation
- documentary review
-CBO Chair person
- Comty members
- CED student
July 08.
2.2 facilitate selection of 15
SACCO’S interim committee
within their respective villages
and meet at Ovada for one day
workshop.
# of SACCO’s
interim
committee
members
selected.
# of work shop
conducted.
# of members
attended the
workshop.
- Project repots.
- Minutes and
attendance list.
- documentary review
-CBO Chair person
- Comty members
- CED student
July 08
2.3 Train 15 SACCO’S interim
committee members on effective
operation of primary SACCOS
for 2 days.
# of members
trained.
# of training
days.
- Training reports.
- Project reports.
- documentary review
-CBO Chair person
- Comty members
- CED student
September 08.
22
2.4 Train 2 key employees of
SACCOS (secretary &
Accounting clerk) on relevant
skills focusing on effective
operation & accounting system
and procedures.
# of employee
trained.
# of training
days.
- Training reports.
- Project reports.
- documentary review
-CBO Chair person
- Comty members
- CED student
November 08
2.5 To facilitate the SACCOS
interim committee to prepare
constitution, loan policy, savings
and deposits policy.
# of constitution
prepared.
# of loan policy
prepared.
# of saving and
deposits policy
prepared.
- Project reports.
- Documentary review.
-Observation
-CBO Chair person
- Comty members
- CED student
November 08
2.6 Assist the interim committee
to register the SACCOS legally.
# of SACCOS
registered and
operating.
# of certificates
of registration
received.
- Registration/project
reports.
- Original certificate
file.
- Documentary review.
-Observation
-CBO Chair person
- Comty members
- CED student
October 08
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2.7 support interim committee
members to visit other similar
organization within Tanzania for
learning purpose.
# of learning
visits supported.
# of members
attended learning
visit.
- visit reports.
-project reports.
- Documentary review.
-CBO Chair person
- Comty members
- CED student
January 09.
3.0. Increase savings,
deposits and shares to
30,000,000/= by the
end of 2009.
3.1 Conduct promotion &
inauguration activities through
use of meetings T-shirts, posters
and leaflets.
# of promotion/
inauguration
events
facilitated.
# of t-shirts
distributed.
# of posters and
leaflets
distributed.
-project/ village report
-minutes and
attendance list.
- Distribution list.
-handing over reports.
- documentary review
- questionnaires
-CBO Chair person
- Comty members
- CED student.
Jan-febr 09.
3.2 Provide prizes (special Tshirts)
to 10 members with more
shares, savings and deposits.
# of special tshirts
distributed.
# of SACCO’s
members
received prizes.
- Project reports.
-Distribution lists.
-Handing over reports.
- Documentary review.
-Observation
-CBO Chair person
- Comty members
- CED student
Jan-febr 09.
4.0. Increase
employment
opportunity to 150
people by the end of
2009.
4.1 Train 54 group leaders of
IGAs on entrepreneurship skills.
# of group
leaders trained.
# of trainings
conducted.
# of training
days.
- Training reports.
- Project reports.
- Documentary review.
- Questionnaires
-CBO Chair person
- Comty members
- CED student
March 09.
24
5.0 Reduce disguised
unemployment to 2%
by the end of 2009.
5.1 Conduct 17 sensitization
meetings to the community
members on the importance of
establishing income generating
activities.
# of sensitization
meetings
conducted.
# of community
members
attended.
- Project reports.
-Village meeting
minutes.
- Documentary review.
- Questionnaires
-CBO Chair person
- Comty members
- CED student
Nov-Dec 08.
5.2 Creating awareness to the
community members on the
advantage of using financial
intermediaries like SACCOS,
microfinance institutions to
strengthen their businesses
# of awareness
creation meeting
conducted.
# of community
members
attended.
- Project reports.
-Village meeting
minutes.
- Documentary review.
- Questionnaires
-CBO Chair person
- Comty members
- CED student
Sept-Oct 09.
6.0 Increase the size
of informal sector
from 25% to 30% by
the end of 2009.
6.1 conduct 17 sensitization
meeting and mobilize youth to
engage themselves in the
informal sector.
# of sensitization
meetings
conducted.
# of community
youths attended
- Project reports.
-Village meeting
minutes.
- Documentary review.
- Questionnaires
-CBO Chair person
- Comty members
- CED student.
Nov-Dec 08.
7.0 SACCO’s staff
supported for efficient
and active project
implementation by the
7.1 facilitate staff salary
payment to the SACCOS
Secretary/manager.
# of staff
facilitated with
salary.
- Project reports.
- Salary slips.
- Documentary review.
- Questionnaires
-CBO Chair person
- Comty members
- CED student.
Marc-Dec 09.
7.2 facilitate benefit payment to
the SACCOS
Secretary/manager.
# of staff
facilitated with
benefits.
- Project reports.
- Salary slips.
- Documentary review.
- Questionnaires
-CBO chair person
- Comty members
- CED student.
Marc-Dec 09
25
end of 2009. 7.3 facilitate salary payment to
the SACCOS Account clerk.
# of staff
facilitated with
salary payment.
- Project reports.
- Salary slips.
- Documentary review.
- Questionnaires
-CBO Chair person
- Comty members
- CED student.
Marc-Dec 09
7.4 facilitate benefit payment to
the SACCOS Account clerk.
# of staff
facilitated with
benefits
- Project reports.
- Salary slips.
- Documentary review.
- Questionnaires
-CBO Chair person
- Comty members
- CED student.
Marc-Dec 09
26
5.0 PROJECT SUSTAINABILITY PLAN.
5.1 SUSTAINABILITY.
The promotion of income generating activity, savings and credit project is a sustainable
project in the sense that it is a community based and owned from the planning stage to
evaluation stage. The community members who are the primary beneficiaries involved on
the identification and selection of the project.
The SACCOS which will be owned by the members from the community will depend on
the interest rate earned from the loan disbursed to its members. Other income will be
from penalties, grants and loan from other financial institutions. The SACCOS as one the
financial institution can mobilize savings from the community members, where by it can
use that savings for business and investment promotion in the community.
In additional, strengthening small and medium enterprises/business provide wealth and
ownership opportunities to the groups that face socio-economic exclusion and
discrimination. Therefore, individual members and groups participating in micro
business increase their rate of business ownership. Strengthening of
microenterprises/micro businesses is a unique process in this project in the sense
that it offers individuals the opportunity not only to generate income but also build
assets and to save as owners, not just workers. All these substantiate the project
sustainability.
5.2 SUSTAINABILITY PLAN AND SUSTAINABE DEVELOPMENT.
The project aimed at sustainable development economically, socially and
environmentally. Through increase knowledge and practice of microenterprises to
community members increase savings, deposits and shares will lead to efficient
27
utilization of accumulated resources (money) where by investors can access easily and
invest the money in productive businesses hence increase income and wealth among the
community members.
Moreover, the use of income generating activity groups and SACCO’s groups will
increase social coercion and social capital among community members. Women
participation in income generating activities and in savings and credit will be highly
encouraged to empower women and eventually take leadership position.
The project will emphasize more on the women and girls participation during the
formation of socio-economic group. Parents will be sensitized to save more for their
children’s needs such school fees and other education support for both (girls and boys)
other social groups like traditional dancing groups football clubs, FBO’s groups
(churches & mosques) will be organized & mobilized to form groups and join SACCOS
people with disabilities and other abnormalities will be sensitized and encouraged to form
socio-economic groups so as join SACCOS.
In additions income generating activities and other informal sector activities which are
not environmental friendly will be discouraged. Business activities like charcoal burning
and fire wood selling business will be discourage instead environmentally friendly
activities like use of biogas, seedlings and tree planting activities will be highly
supported.
Other stake holders like financial institutions such as Banks will be involved for financial
consultations and advice pertaining finance issues. UMAKWA CBO and World Vision
will continue to support the project financially.
28
The District government particularly through District community development and
cooperative officers will continue to guide the SACCOS and income generating
activities.
5.3 STRATEGIC PLANNING AND MANAGEMENT.
The project is highly supported by the community, local government authority and other
NGOs like World Vision due to the fact that, they were all involved in design. As
outlined in the project design, the community members are the owners of income
generating businesses (entrepreneurs) and also owners of the formed SACCOS by paying
their entrance fee, buying shares and depositing savings and deposits in the SACCOS.
They are willing to attend the workshop and trainings by contributing transport cost to the
respective workshop/training venue on top of other labour power and in kind
contribution.
The government authority as an important stake holder will be responsible for legal
registration of the SACCOS and small & medium enterprises in the community. The
District development officer, Business/commercial officer and Cooperative development
officer will be the lead facilitators/trainers of the business group’s entrepreneurs,
SACCO’S management board and other sub-committees.
However World Vision and UMAKWA CBO is going to provide financial assistance
regarding all training costs including training fees and other related cost. Both World
vision and UMAKWA CBO agreed to support the project because it is in like with their
strategic plan of empowering the poor community in sustainable issues. World Vision
through its community based programme at Kwamtoro will offer a temporary office
freely for a new established SACCOS.
29
Commercial banks like NBC, CRDB and NMB are other important stake holders’ in
terms of financial services.
Nevertheless, the overall objective of the project is to contribute to sustainable
development and poverty reduction in line with the National vision of 2025 and the
National strategy for growth and reduction of poverty (NSGRP/MKUKUTA) as well as
other national development and poverty reduction programmes. It is also in line with the
small and medium enterprise development policy of 2002, whose overall objective is to
foster job creation and income generation through promoting the creation of new small
and medium enterprises and improving the performance and contribution to the Tanzania
economy. One of the policy statement states that, the government will promote
entrepreneurship development through facilitating improved access of small and medium
enterprises to financial and non financial services.
Another policy sustaining the project is the national microfinance policy (2000) which
covers the provision of financial services to household, small holder farmers and small
micro enterprises in rural areas as well as in the urban sector. The cooperative
development policy of (2002) and the cooperative ACT NO 20 of 2003 both emphasizes
on cooperatives which are member based i.e. owned and controlled by members for
sustainability.
The two organization supporting the project (World vision and UMAKWA CBO)
guarantee the support to the project in long term due to the fact that it is a community
based organization, in the sense that, members of UMAKWA are also members of
SACCOS and other microenterprise/businesses, while World Vision maintains
relationship with their respective area Development programmes and handover all the
30
activities to the CBO and community after the end of programme. In principle World
Vision programme are run in collaboration with the respective communities.
The project will be institutionalized through the formation of SACCOS which is
established by socio economic group of 10 -20 group members. Apart from improving
the social coercion it improve the sense of social/community ownership and a self
guaranteed of the member on financial loan issues in their SACCOS and other financial
intermediaries.
The project will be sustainable over time due to the fact that, the SACCOS established
will play a great role in financial services within the area. The income generating
activities will be strengthened, while SACCO’s members will be increasing their
portfolio for self reliance in terms of capital for their respective business and other
social obligations.
My expectation for future therefore is to have a community with a strong SACCOS
which can provide/carter the member’s demand of capital for their small and medium
enterprises.
Among other things which may be needed to improve the projects sustainability is the
existence of social and political peace and stability in the country and Kwamtoro area in
particular others are practical commitment and implementation of the government
policies pertaining the project.
The sustainability indicators to monitor the sustainability of the project includes,
- varied source of funding sources
- Number of community members continuing participating in project planning
process.
31
- budget within reach of community
- number of technically competent staff in the project
- Progressive growth of project in terms of members and their portfolio capital
shares, saving, deposits.
- Number of community leaders supporting the project.
- More than 85% percent of loan repayment.
The data collection method using participatory research methods includes; interview
method through questionnaires. Other methods to be used are focus group
discussion, documentary review, transact walk and observation methods.
6.0 CONCLUSION.
The project therefore, will focus on improving economic status of the community
members, where by, the project's problem statement is “promotion of income
generating activities, savings and credit initiatives at Kwamtoro, Lalta and Ovada
wards Kondoa District, Dodoma Region.”
The concentration will be to tackle the problem of income poverty by reducing the
problem where by the identified causes are; unreliable markets, insufficient existing
businesses/income generating activities or microenterprises, lack of entrepreneurship
skills, lack of financial intermediaries, inadequate capital and low per capita income. The
income poverty in the community resulted(effects) to poor housing(muddy grass roofed
houses), inability to fulfill basic needs like education, food, medical care and treatment
and other social obligations, poor/low savings, low money circulation, small size of
informal sector, disguised unemployment, deforestation and environmental degradation.
32
The main project objectives are; to increase the knowledge and practices of
microenterprise to 54 income generating activity groups (160) members’ people by the
end of 2009, to increase the knowledge, participation and management of 1,000
community members on SACCOS issues by the end of 2009, to increase savings, shares
and deposit to 60,000,000/= by the end of 2009, to increase employment opportunities to
150 peoples by the end of 2009, to reduce disguised unemployment by 2% in October
2009 and to Increase the size of informal sector from 25% - 30% by the end of 2009.
33
7.0 REFERENCES.
 CEDPA (1994), Project Design for Program Managers:
 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.
 Shigukulu, Z.F. (2007). Kwamtoro Participatory Assessment.
 Young, Trevor (2000). Successive Project management.
34
8.0 APPENDICES/ANNEXES.
8.1 Logical frame work matrix.
PROJECT OBJECTIVE.
OBJECTIVELY VERIFIABLE
INDICATOR
MEANS OF VERIFICATION
COSTS.
COMMENTS/
ASSUMPTIONS
DESCRIPTION.
TARGET
BASEL
INE
DATA SOURCE
TIMING
RESPONSIBLITY
GOAL
To improve socioeconomic
status of the
Kwamtoro, Lalta and
Ovada Community.
Political and
peace stability in
the area and
country.
PURPOSE 1
To strengthen 54 groups of
income generating
activities in Kwamtoro,
Lalta and Ovada Wards.
# of groups existing
and performing their
activities
54 0 Project report.
-field visit report.
-evaluation report.
trienniall
y
UMAKWA CBO
-Community
leader &members
Government
maintain the
policies
supporting the
project.
PURPOSE 2.
To establish saving and
credit cooperative society
in the community.
# of SACCOS
Performing financial
activities efficiently.
1 0 Project report.
-field visit report.
-evaluation report.
trienniall
y
UMAKWA CBO
-Community
leader &members
OUTPUT 1. 1.0
Increased knowledge and
practices of
microenterprise to 54
income generating activity
groups (160) members’
people by the end of 2009.
# of groups
knowledgeable and
practicing
microenterprise
54
0
-Project report.
-field visit report.
-evaluation report.
annually
-CED Student
-UMAKWA CBO
-Community
leader &members.
35
ACTIVITY1.1.1
To conduct 4 trainings on
microenterprise knowledge
to 160 people for 2 days.
# of group’s
members trained.
# of training days
160
2
0
0
-Training reports. Annually -CED Student
-UMAKWA CBO
-Community
leader &members
2,880,000/=
ACTVITY 1.1.2
support IGA’s groups with
appropriate facilities (15
sewing machines & 10
carpentry tools
# of IGA groups
supported with
sewing machines.
# of IGA groups
supported with
carpentry tools.
15
10
0
0
-project report.
-distribution list.
Annually
-CED Student
-UMAKWA CBO
-Community
leader &members
2,500,000/=
OUTPUT 1.2.0
Increased knowledge,
participation and
management to 1,000
community members on
SACCO’s issues by the
end of 2009.
# of community
members joined
SACCOS.
# of Community
members
knowledgeable in
SACCOS
Management.
1,000
15
0
0
-Project report.
-SACCO’S
membership
register/ledger.
Monthly
CED Student
-UMAKWA CBO
-Community
leader &members
ACTIVITY 1.2.1
Facilitate 17 sensitization
and awareness creation
meetings to community on
SACCO’S issues.
# of
sensitization/awaren
ess creation
meetings conducted.
# of community
members attended.
17 0 - Project repots.
- Minutes and
attendance list.
Annually CED Student
-UMAKWA CBO
-Community
leader &members
1,000,000/=
ACTIVITY I.2.2
Facilitate selection of 15
SACCO’S interim
committee within their
respective villages and
meet at Ovada for one day
workshop.
# of SACCO’s
interim committee
members selected.
# of work shop
conducted.
# of members
attended the
workshop.
15
1
15
0
0
0
- Project repots.
- Minutes and
attendance list.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
105,000/=
36
ACTIVITY 1.2.3
Train 15 SACCO’S interim
committee members on
effective operation of
primary SACCOS for 2
days
# of members
trained.
# of training days.
15
2
0
0
- Training reports.
- Project reports.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
470,010/=
ACTIVITY 1.2.4
Train 2 key employees of
SACCOS (secretary &
Accounting clerk) on
relevant skills focusing on
effective operation &
accounting system and
procedures.
# of employee
trained.
# of training days.
2
3
0
0
- Training reports.
- Project reports.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
2,000,000/=
ACTIVITY 1.2.5
To facilitate the SACCOS
interim committee to
prepare constitution, loan
policy, savings and
deposits policy.
# of constitution
prepared.
# of loan policy
prepared.
# of saving and
deposits policy
prepared.
1
1
1
0
0
0
- Project reports.
-Approved hard copy
documents in place/in
use.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
150,000/=
ACTIVITY 1.2.6
Assist the interim
committee to register the
SACCOS legally.
# of SACCOS
registered and
operating.
# of certificates of
registration
received.
1
1
0
0
- Registration/project
reports.
- Original certificate in
file.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
300,000/=
ACTIVITY 1.2.7
Support interim committee
members to visit other
similar organization within
Tanzania for learning
purpose.
# of learning visits
supported.
# of participants
1
15
0
0
- visit reports.
-project reports.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
4,500,000/=
37
OUTPUT 1.3.0
Increased savings,
deposits and shares to
30,000,000/= by the end of
2009.
Amount of money
collected as shares,
saving and deposits.
30 millions 0 -project report
Monthly
CED Student
-UMAKWA CBO
-Community
leader &members
ACTIVITY 1.3.1
Conduct promotion &
inauguration activities
through use of meetings Tshirts,
posters and leaflets.
# of promotion/
inauguration events
facilitated.
# of t-shirts
distributed.
# of posters and
leaflets distributed.
1
250
500
0
0
0
-project/ village report
-minutes and
attendance list.
- Distribution list.
-handing over reports.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
3,750,000/=
1,500,000/=
ACTIVITY 1.3.2
Provide prizes (special Tshirts)
to 10 members with
more shares, savings and
deposits.
# of special t-shirts
distributed.
# of SACCO’s
members received
prizes.
10
10
0
0
- Project reports.
-Distribution lists.
-Handing over reports.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
300,000/=
OUTPUT 1.4.0
Increased employment
opportunity to 150 peoples
by the end of 2009.
# of people
employed
150 0 -project report Annually
CED Student
-UMAKWA CBO
-Community
leader &members
ACTIVITY 1.4.1
Train 54 group leaders of
IGAs on entrepreneurship
skills.
# of group leaders
trained.
# of trainings
conducted.
# of training days.
54
2
0
0
- Training reports.
- Project reports
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
972,000/=
OUTPUT 1.5.0
Reduced disguised
unemployment to 2% by
the end of 2009.
% of unemployment
reduced
2% 0 -project reports Annually
CED Student
-UMAKWA CBO
-Community
leader &members
38
ACTIVITY1.5.1
Conduct 17 sensitization
meetings to the community
members on the
importance of establishing
income generating
activities.
# of sensitization
meetings conducted.
# of community
members attended.
17
17
0
0
- Project reports.
-Village meeting
minutes.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
1,000,000/=
ACTIVITY 1.5.2
Creating awareness to the
community members on
the advantage of using
financial intermediaries
like SACCOS,
microfinance institutions to
strengthen their businesses
# of awareness
creation meeting
conducted.
# of community
members attended.
17
1700
0
0
- Project reports.
-Village meeting
minutes.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
1,000,000/=
OUTPUT 1.6.0
Increased size of informal
sector from 25% to 30%
by the end of 2009.
% increase of
informal sector
5% 0 -project report. Annually
CED Student
-UMAKWA CBO
-Community
leader &members
ACYIVITY 1.6.1
Conduct 17 sensitization
meeting and mobilize
youth to engage them in
the informal sector.
# of sensitization
meetings conducted.
# of community
youths attended
17
54
0
0
- Project reports.
-Village meeting
minutes.
Annually
CED Student
-UMAKWA CBO
-Community
leader &members
1,000,000/=
OUTPUT 1.7.0
SACCO’s staff supported
for efficient and active
project implementation by
the end of 2009.
# of SACCO’S staff
supported.
2 0 -Employees
file/records
Monthly
CED Student
-UMAKWA CBO
-Community
leader &members
39
ACTIVITY 1.7.1
Facilitate staff salary
payment to the SACCOS
Secretary/manager.
# of staff facilitated
with salary.
1 0 - Project reports.
- Salary slips.
Monthly SACCO’S
Chairperson &
Manager.
2,160,000/=
ACTIVITY 1.7.2
Facilitate benefit payment
to the SACCOS
Secretary/manager.
# of staff facilitated
with benefits.
1 0 - Project reports.
- Salary slips.
Monthly
SACCO’S
Chairperson &
Manager.
216,000/=
ACTIVITY 1.7.3
Facilitate salary payment
to the SACCOS Account
clerk.
# of staff facilitated
with salary payment.
1 0 - Project reports.
- Salary slips.
Monthly
SACCO’S
Chairperson &
Manager.
1,800,000/=
ACTIVITY 1.7.4
Facilitate benefit payment
to the SACCOS Account
clerk.
# of staff facilitated
with benefits
1 0 - Project reports.
- Salary slips.
Monthly
SACCO’S
Chairperson &
Manager.
180,000/=
8.2 Project budget spreadsheet (profoma).
Activities/items Quantity Costs per
item in Tshs
Total cost for
the whole
project.
Terms of reference for
activities
Donor/funder.
1.1 To conduct 4 trainings on microenterprise knowledge to
160 people for 2 days.
160
9,000x2=
18,000/=
2,880,000/=
- Meals.
- Accommodation.
- Training fees.
- Stationeries.
World Vision
(Kwamtoro ADP).
40
1.2 support 25 IGA’s groups with appropriate facilities (15
sewing machines & 10 carpentry tools
25
100,000/=
2,500,000/=
- Purchase of 15 sewing
machines.
- 10 carpentry tools i.e.
screw hammers, cutting
saws.
- Transport costs.
World Vision
(Kwamtoro ADP).
2.1 facilitate 17 sensitization and awareness creation
meetings to community on SACCO’S issues.
17
58,824/=
1,000,000/=
- Car hire/fuel.
- Meals for facilitators.
World Vision
(Kwamtoro ADP).
2.2 facilitate selection of 15 SACCO’S interim committee
members within their respective villages and meet at Ovada
for one day workshop.
15
7,000/=
105,000/=
- Transport costs.
- Meals (breakfast &
lunch only)
Community
members.
2.3 Train 15 SACCO’S interim committee members on
effective operation of primary SACCOS for 2 days
15
15,667 x 2=
470,010/=
- Meals.
- Accommodation.
- Training fees.
- Stationeries.
- Transport costs
UMAKWA CBO.
2.4 Train 2 key employees of SACCOS (secretary &
Accounting clerk) on relevant skills focusing on effective
operation & accounting system and procedures.
2
1,000,000x2=
2,000,000/=
- Meals & transport costs
- Accommodation.
- Training fees.
- Stationeries.
World Vision
(Kwamtoro ADP).
41
2.5 To facilitate the SACCOS interim committee to prepare
constitution, loan policy, savings and deposits policy.
3
50,000/=
150,000/=
- Secretarial services.
- Meals.
- Accommodation.
- Transport,
Community
members.
2.6 Assist the interim committee to register the SACCOS
legally.
2
150,000x2=
300,000/=
- networking costs with Distr &
Region Coop officers.
- meals and transport costs
- Registration fees.
UMAKWA CBO.
2.7 support interim committee members to visit other similar
organization within Tanzania for learning purpose.
15
300,000/=
4,500,000/=
- Meals.
- Accommodation.
- Visiting fee if any.
- Transport costs
World Vision
(Kwamtoro ADP).
3.1 Conduct promotion & inauguration activities through use
of meetings, T-shirts, posters and leaflets.
250 tshirts.
500
posters &
leaflets
15,000/=
3,000/=
3,750,000/=
1,500,000/=
- Design & print.
- Purchase t-shirts.
- Design, print &
purchase of posters &
leaflets.
- Transportation costs
World Vision
(Kwamtoro ADP).
3.2 Provide prizes (special T-shirts) to 10 members with
more shares, savings and deposits.
10
30,000/=
300,000/=
- Design & print.
- Procurement of special
t-shirts.
- Transportation costs
UMAKWA CBO.
4.1 Train 54 group leaders of IGAs on entrepreneurship
skills.
54
9,000x2=
972,000/=
- Fare costs.
- Meals &
accommodation.
- Training fees.
World Vision
(Kwamtoro ADP).
5.1 Conduct 17 sensitization meetings to the community
members on the importance of establishing income
generating activities.
17
58,824/=
1,000,000/=
- Car hire/fuel.
- Meals for facilitators.
- Facilitation fees.
World Vision
(Kwamtoro ADP).
42
5.2 Creating awareness to the community members on the
advantage of using financial intermediaries like SACCOS,
microfinance institutions to strengthen their businesses
17
58,824/=
1,000,000/=
- Car hire/fuel.
- Meals for facilitators.
- Facilitation fees.
World Vision
(Kwamtoro ADP).
6.1 conduct 17 sensitization meeting and mobilize youth to
engage themselves in the informal sector.
17
58,824/=
1,000,000/=
- Car hire/fuel.
- Meals for facilitators.
- Facilitation fees.
World Vision
(Kwamtoro ADP).
7.1 facilitate salary payment to the SACCOS
Secretary/manager.
1
180,000/=
2,160,000/=
- NSSF Payment.
- Salary payment.
- Pay as you earn.
SACCOS/
community members
7.2 facilitate benefit payment to the SACCOS
Secretary/manager.
1
18,000/=
216,000/=
- NSSF Payment by
employer.
SACCOS/
community members
7.3 facilitate salary payment to the SACCOS Account clerk.
1
150,000/=
1,800,000/=
- NSSF Payment.
- Salary payment.
- Pay as you earn.
SACCOS/
community members
7.4 facilitate benefit payment to the SACCOS Account clerk.
1
15,000/=
180,000/=
- NSSF Payment by
employer.
SACCOS/
community members
TOTAL PROJECT BUDGET. 27,783,000/=
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8.3 SACCOS ORGANIZATION STRUCTURE.
SACCOS GENERAL MEETING.
Executive
Committee
Board Secretary
Supervision
committee.
KWAMTORO WARD
SACCOS COMMITTEE.
Loan
committee
OVADA WARD
SACCOS
COMMITTEE.
LALTA WARD
SACCOS
COMMITTEE.
Village socioeconomic
group
Village
socioeconomic
group
Village
socioeconomic
group
Village socioeconomic
group
Village
socioecon
group
Village
socioeconomic
group
SACCOS
manager
Account
clerk
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8.4 JOB DESCRIPTION FOR SACCO’S STAFF.
JOB DESCRIPTION FOR ACCOUNT CLERK JOB DESCRIPTION FOR SACCOS MANAGER.
- Report to the SACCO’S Manager.
- Prepare and keep financial and other documents.
- Receive all money and reconcile inflows and out
flows.
- Collect loans, prepare bank reconciliation,
monthly report, list of creditors and submit to the
Board.
- Assist members to fill loan forms and implement
daily financial activities.
- To do any other responsibilities as required by the
manager/Board.
- Report to the SACCO’S Management Board.
- Receive and respond to all correspondence accordingly.
- Prepare all General meetings and other SACCO’s meetings.
- Responsible for all communication on behalf of SACCOS.
- To ensure that all SACCO’S money and other assets are kept safely.
- Prepare short and long term plans, budget and SACCO’S reports.
- Advice the management Board on all issues pertaining employment, expenditures,
business management and administrative issues.
- He/she is the custodian of all important SACCO’S documents.
- To supervise and coordinate all SACCO’S economic activities.
- To do any other responsibilities as required by the Board.
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