KWAMTORO COMMUNITY PROFILE

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&
COMMUNITY ECONOMIC DEVELOPMENT PROGRAM.
ICD 503: RESEARCH AND EVALUATION METHODS.
DAR ES SALAAM – CENTRE.
SUBJECT: COMMUNITY PROFILE.
STUDENT: SHIGUKULU, ZACHARIA FULI
CLASS: 1
INSTRUCTOR: MICHEL ADJIBODOU
DATE: JANUARY, 2008.
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TABLE OF CONTENTS. page
TABLE OF CONTENTS…………………………………………………………….2
INTRODUCTION…………………………………………………………………..3
KONDOA DISTRICT PROFILE……………………………………………...........3
.1 Location and climate………………………………………………………....3
.2 Population distribution……………………………………………………….3
.3 Area and administration……………………………………………………...4
.4 Marketing…………………………………………………………………….5
.5 Agriculture……………………………………………………………………5
.6 Livestock……………………………………………………………………..5
.7 Accessibility to basic services………………………………………………..6
.8 Economic infrastructure………………………………………………………6
.9 Air service…………………………………………………………………….7
.10 Communication facilities………………………………………………….…..7
.11 Energy and power…………………………………………………………….8
KWAMTORO COMMUNITY PROFILE……………………………………….......8
.1 Location and climatic condition………………………………………………8
.2 Coverage and demographic status……………………………………………8
.3 Administration………………………………………………………………..9
.4 Social economic activities…………………………………………………….9
.5 Stake holders engaging in development activities………………………...…10
CONCLUSION………………………………………………………......................11
6.0 REFERENCES………………………………………………………………...........12
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2.0 INTRODUCTION.
This paper reviews the community profile of Kwamtoro as my choice to work with in
pursuing the Masters in Community Economic Development Program for eighteen
months.
However the Kondoa District in which Kwamtoro Division belong, is also going to be
reviewed a little bit to make a clear understanding of the Kwamtoro community.
3.0 KONDOA DISTRICT PROFILE.
3.1 Location and climate.
The District is located in the north of Dodoma region about 160 km from the capital
town, Dodoma. It lies between 35o E and 36o E and 4o S and 5o S. In the north the
District borders with Babati District, northeast Simanjiro, Kiteto District in the east ,
Manyoni District in the southwest, Singida District in the west, Hanang District in the
northwest and Bahi and Kongwa Districts in the south. Annual average rainfall ranges
between 400mm-800mm. altitude ranges between 1056-1300m above sea level with
temperature between 20o C -25o C, average 22o C and humidity of annual average of
67%. Wind blows south- east to north-west at an annual average velocity of 130km per
hour.
3.2 Population Distribution.
According to the 2002 National Population Census report, the District has a population of
429,824 with the average growth rate of 1.6% per annum and population density of 34
per sq km. the average size of the house hold is 4.8 people.
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3.3 AREA AND ADMINISTRATION.
The District has an area of 13,210 sq. kms. Administrative units of Kondoa District
contain 8 Divisions, 35 wards, and 178 villages. Since 1st July, 2000 there has been an
establishment of Kondoa Town ship Authority (KTA), which has mandate of deciding,
planning and implementation of all development activities. The Authority comprises of 4
wards and 15 villages in Kondoa mjini Division while Kondoa District Council (KDC)
Comprises of 7 Divisions with 31 wards and 163 villages.
AUTHORITY. DIVISION NO.of WARDS NO. of VILLAGES
KTA Kondoa Mjini 4 15
KDC Bereko 6 27
KDC Farkwa 3 17
KDC Goima 4 28
KDC Kolo 3 13
KDC Kwamtoro 5 26
KDC Mondo 4 20
KDC Pahi 6 32
TOTAL 8 35 178
KONDOA DISTRICT ADMINISTRATIVE UNITS.
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The District is bush land with isolated bushed grasslands. The total area of the forest in
the District is 257,379 hectares. Central government has an area of 27,379 hectares, while
the District council forest has an area of 4,249 hectares. Natural forest has an area of
2,200 hectares other institutions have 494 hectares, and HADO (forest conservation
Program in Dodoma) has forest area of 125,600 hectares. The District has a total of 1.9
million hectares while the total arable land is 924,630 hectares, and land under cultivation
is 222,184 hectares.
3.4 MARKETING.
The barter system was part of life in this District. People exchanged goods such as
Livestock, honey and clothes and beard. The barter system features still exist though cash
trade has taken larger portion of the marketing system.
3.5 AGRICULTURE.
The district is almost entirely depending on agriculture and animal husbandry. About
91% of the District population depends on agriculture. 70% of the total area of the
District is potential for agriculture while those entirely depend on livestock is 1.6%.
Average acreage per household is between 3 to 10 acres. The main crop grown are;
Bulrush millet, which is the staple food. Others crops are maize, sorghum, pigeon, peas,
simsim, ground nuts, cassava, sweet potatoes, beans, cowpeas, bambaranuts and
sunflower.
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3.6 LIVESTOCK
Livestock is the second contributor to the district economy. The district has a total of
718,574 livestock composed of 418,874 cattle, 286,700 goats, 13,000 sheep, 2,000 pigs
and 19,000 donkeys. The livestock density per area suitable for grazing is 22.4 LU per
km. cattle keeping is still small scale with the majority of livestock being owned by
pastoralists in the District. Zero grazing especially of dairy cows and goats is developing,
though potential only in certain agro-ecological zone. A paravet scheme established in
1998 to assist livestock keepers in developing well.
3.7 Accessibility to basic services.
In order for a house hold to access a service, the average walking distance is 2 to 10 km.
basic service include water, fuel market, shops, dispensary, rural health clinic, Hospital,
primary school, secondary school, traditional birth attendants, milling machine and
cooperatives. Most labor is carried by women. This means women in the District have to
walk long distances to fetch for water, collect fire wood, take children to health centers,
attend farm activities and get to milling machine, market, shops, and other essential
service centers.
3.8 Economic infrastructure.
(a) Road network.
The feeder road, though fairly distributed, does note cover all potential agriculture
area in the District. The District had a total of 1,611 km of road network distributed as
follows,
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TYPE OF
ROADS
TARMAC GRAVEL EALTH TOTAL
Trunk road - 130 - 130
Region road - 226 - 226
District roads - 16 483 499
Feeder Road - - 756 756
TOTAL - 372 1,239 1,611
There is no tarmac road in kondoa District. All types of road in the District i.e. trunk
roads, regional roads, District roads and feeder roads have greatly deteriorated due to
heavy rainfall, particularly El-Nino rains in 1997/98 and lack of routine and periodic
maintenances.
3.9 Air services.
There is an air strip situated about 2km from the centre of Kondoa town towards kondoa
girls’ secondary school. The air strip is mostly catering for quelaa quelea control project.
3.10 Communication facilities
The existing telecommunication network in the District consists of 186 telephone lines,
one post office and 3 sub-post offices at Kwamtoro, Pahi and Bereko. The telephone
system is an STD system. Radio calls from the District hospital to different rural health
units is also an effective way, which has contributed to the improved communication in
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the District. The radio calls are found at ; Hamai RHC, Kisese RHC, Kwamtoro RHC,
Busi RHC and Mpendo, Kisaki, Haubi, Masawi, Chase, Gwand, Farkwa, Kalema, Balao,
Chandama and Jangalo Dispensaries. Mobile network is not available in some places
especially remote areas.
3.11 Energy and power.
For along time TANESCO was unable to supply Kondoa town with electricity. Domestic
and industrial power was coming from diesel-powered generator up to 1999 when
Kondoa District was joined in National grid, though still there is use of generator.
4.0 KWAMTORO COMMUNITY PROFILE.
4.1 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.
4.2 Coverage and demographic status
The area covers 950 Square kilometers that is about 7% of the total district area.
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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
4.3 Administration.
Kwamtoro Division is statutory divided in five (5) Wards, namely Lalta, Kwamtoro
and Ovada; others are Sanzawa and Mpendo.
Nevertheless, the community under review covers three wards, these being Lalta,
Kwamtoro and Ovada. It encompasses a total of 17 villages namely, Kinyamshindo,
Mengu, Ovada, Takwa, Jogolo, Baaba, Dinae, Magambua, Wairo, Manantu, Kisande,
Ilasee, Lahoda, Handa, Msera, Kwamtoro, Ndoroboni
4.4 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.
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4.5 stakeholders (actively engaged in development activities)
S/No. NAME OF PARTNER WHAT THEY DO
1. KONDOA DISTRICT HOSPITAL Provide health services and facilitate
the fight against HIV/AIDS.
2. THE KONDOA DISTRICT
COUNCIL AND VILLAGE
GOVERNMENTS.
Provide technical support and
guidance in development activities.
3. CHURCHES Spiritual nurture in the community.
4. CRDB Provide Micro-credit (SACCOS)
5. TASAF Deals with education and water
development.
6. WFP Provide food to primary schools.
7. CBHI Deals with community health.
8. CEDHA Provide Education on HIV/AIDS.
9. UMATI Deals with health education and VCT
services.
10. KCMC Deals with research on HIV/AIDS.
11 RFSP Deals with SACCOS capacity
building.
12 UMAKWA CBO Deals with development issues
13 WORLD VISION TANZANIA CBO Deals with development issues
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KEY. TASAF -Tanzania Social Action Fund
WFP -World Food Programme
CRDB -Cooperative Rural Development Bank
CBHI -Community Based Health initiative
RFSP –RURAL FINANCIAL SERVICE PROGRAMME
5.0 CONCLUSION.
From the description about both Kondoa District profile and Kwamtoro community in
particular, it is obvious that the area is among of the remote area with a lot of under
utilized natural resources, hence need a great attention to the National for allocating more
resources and priority.
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6.0 REFERENCES.
• Kondoa District profile,(2007)
• National population census report,( 2002).
• Shigukulu, Z.F. (2007). Participatory Assessment report.

BUSINESS PLAN-SUNFLOWER EXPELLER PROJECT UNDER UMAKWA CBO

UMAKWA CBO.
BUSINESS PLAN/PROPOSAL
3 SUNFLOWER OIL EXPELLER
MACHINES.
PROJECT LOCATION:
KWAMTORO DIVISION,
KONDOA DISTRICT,
DODOMA REGION,
TANZANIA,
EAST-AFRICA
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TABLE OF CONTENTS. PAGE.
1.0 TABLE OF CONTENTS………………………………………………….. ……….1
2.0 THE BUSINESS PLAN…………………………………………………….. ……....2
2.1 Project at a glance………………………………………………………….….2
2.2 Executive summary………………………………………………………...….3
2.3 Introduction………………………………………………………………...… 3
2.4 Historical back ground information………………………………………...…4
2.5 Project objectives…………………………………………….. …………...…4
2.6 Project description………………………………………………………...…. 4
2.6.1 Project location………………………………………………...….5
2.7 Project management………………………………………………………….. 5
2.8 Cross cutting themes (issues)………………………………………………….5
2.9 Benefits and justification of the project……………………………………….6
2.9.1 Socially……………………………………………………………6
2.9.2 Economically……………………………………………………...6
2.10 Project market……………………………………………………………..6
2.11 Financial aspect and project worthiness…………………………………..7
2.11.1 Assumption and consideration……………………………….….. 7
2.11.2 Project viability and sustainability………………………………...7
3.0 CONCLUSION……………………………………………………………………... 7
4.0 APPENDICES/ANNEXES……………………………………………………….. 8
4.1 Project cost estimates (without salaries and others)……………………..….. 8
4.2 Manpower required and costs…………………………………………..…… 8
4.3 Project operation costs………………………………………………..……... 9
4.4 Project and means of finance…………………………………….………….. 9
4.5 Projected project revenue……………………………………….…………... 9
4.6 Projected profit and loss account…………………………….….………….. 10
4.7 Project grant loan repayment………………………………….…………… 10
4.8 Cash flow fore cast…………………………………………………….…… 11
4.9 Discounted cash flow…………………………………………………….… 11
4.10 CBO and project organization structure…………………………….… 12
4.11 CBO Leader CVs……………………………………….……………... 13
8.12 CBO Certificate of Registration …………………………. …….…….. .17
8.13 Sun flower farm at Kwamtoro area………………………………………18
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2.0 THE BUSINESS PLAN.
2.1 The project at a glance.
REQUEST OF USD 25,105 (TSHS 30,126,000/=) FOR PURCHASE OF 3 MEDIUM
OIL SEED PRESSING MACHINES (OIL EXPELLER) FROM WORLD VISION
IRELAND.
PROJECT NAME: PURCHASE AND INSTALATION OF 3 MEDIUM OIL SEED
PRESSING MACHINES.
PROJECT OWNER/CARRIER: UMAKWA CBO.
PROJECT TARGET:
I. To promote sunflower production/growing in the Kwamtoro area.
II. To increase the number of farmers growing sunflowers.
III. To increase house hold income.
IV. To boost the price of sunflower seeds.
V. To create and provide employment to the community members.
VI. To increase the number of poultry and pig keepers (realization of animal feed
from the sun flower seed by-products suitable and delicious for pig and poultry).
VII. Raise nutritious food for the community.
PROJECT LOCATION: KWAMTORO DIVISION,
KONDOA DISTRICT,
DODOMA REGION,
TANZANIA- EAST AFRICA.
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2.2 Executive summary.
UMAKWA (Umoja wa Maendeleo eneo la Kwamtoro) is the community Based
Organization (CBO), operating in Kwamtoro Division, covering three Wards namely
Kwamtoro, Lalta, and Ovada. UMAKWA covers the total area of 950 squire kilometers.
The area has a population of 38,528 at a projected rate of 2.9% as per 2002 National
population census.
UMAKWA is the Community Based Organization dealing with holistic development
issues. It was registered by the ministry of home affairs, with the registration number SO
14516 of 30th September, 2006. It is a non-profit (Not for Profit Organization) or Non
Governmental Organization.
In looking various opportunities in the community, UMAKWA tried to come up with
different proposals so as to fight against poverty and underdevelopment among the
Kwamtoro Community members. One of these opportunities is to undertake initiative for
sunflower crop production as one of the popular cash crop in the area, by shifting from
selling raw materials sun flower crude seeds at low price to semi finished/processed
products (sunflower oil seed) at a better price.
In order to facilitate the above objective, UMAKWA CBO is requesting for the assistance
of finance amounting USD 25,105 from World Vision Ireland, which is equivalent to
Tshs 30,126,000/= . The equity contribution from UMAKWA CBO is USD 770 which is
equivalent toTshs 1,000,000/= and will be spent in capacity building regarding the
machine operation and servicing, while the 3 CBO active groups will pay in advance of
25% of the machine cost, apart from their labor and locally available material
contribution estimated to be USD $ 2,188 or tshs 2,625,000/=
2.3 INTRODUCTION.
UMAKWA CBO started its operation in 2003 as a non profit organization, where by it
was legally registered in September 2006 by the ministry of home affairs under the
Societies (application for registration) rules, 1954.
The 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 locally available
resources and other resources from outside the local community. In its operation,
UMAKWA focuses on Agriculture, Health, Education, Community capacity building,
Gender and Advocacy, HIV/AIDS and malaria prevention & control together with
income generating activities.
More than 95% of the Kwamtoro community members depend on Agriculture, and
sunflower is the most rewarding and profitable cash crop. There fore, UMAKWA CBO
decided to promote the crop through which economic status of the area can be boosted.
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2.4 HISTORICAL BACKGROUND INFORMATION.
UMAKWA CBO was registered legally on 30th September, 2006. It is operating in
Kwamtoro Division. Kwamtoro Division is one of the eight Divisions of Kondoa District,
which is in Dodoma Region; it is located in southern Kondoa. UMAKWA operates in
three Wards of Kwamtoro, Lalta and Ovada which encompasses 17 villages namely
Msera, Kwamtoro, Ndoroboni, Ilasee, Lahoda, Handa, Wairo, Manantu, Magambua,
Kisande, Ovada, Dinae, Baaba, Jogolo, Takwa, Kinyamsindo, and Mengu.
The operation area has an estimated population of 38,528 people at a projected rate of
2.9% as per 2002 National population census.
The area is 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. The area has low per capital income not
more than 100,000/=Tshs. The main socio-economic activities are crop production and
animal rearing (mixed farming practice).
The main crops grown are Bulrush millet, which is the staple food. Other crops are
maize, sorghum, pigion, peas, simsim, ground nuts, and sunflower. The livestock kept in
the area includes; cattle, goats, sheep, pigs, donkey, chicken and ducks.
2.5 PROJECT OBJECTIVES.
The effort of UMAKWA CBO to achieve sustainable development to its member’s
community at large is mainly limited by the lack of resources particularly in terms of
finance. In order to undertake the proposed initiative, UMAKWA need/requires a certain
amount of capital/funds to compliment to the locally available resources in terms of
human and material. After the implementation, the project is expected to achieve the
following objectives;
I. To promote sunflower production/growing in the area.
II. To increase the number of farmers growing sunflower.
III. To increase house hold income.
IV. To raise/increase the price of sunflower seeds.
V. To provide employment to the community members.
VI. To increase the number of pig and poultry keepers (using oil processing byproducts
for animal feed).
VII. To raise nutritious status in the community.
2.6 THE PROJECT DESCRIPTION.
The project aim to purchase and install 3 medium oil pressing machines. The machine
will be installed and owned by three UMAKWA active groups in the three Wards of
Kwamtoro, Lalta, and Ovada. Apart from procurement and installation activities, the
project will conduct seminar and trainings to the respective group members on how to
manage, operate, and run the machine, focusing on the sustainability of the project.
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In order for the project continuation and sustainability, the respective group will be
required to pay back the cost of the machine on installment basis. Moreover, they will be
supposed to pay an advance of 25% (4,125,000/=) of the total cost of the machine
excluding installation and transportation cost to the site. The realized amount of money
will be used to purchase other oil pressing machines and distributed to other CBO active
groups or reinvested in other productive activities.
The project cost and means of finance require investment of USD 25,105 which is
equivalent to Tshs 30,126,000/= out of these, USD 770 equivalent to Tshs 1,000,000/=
is contribution of the applicant as owners equity, being the cost to facilitate capacity
building in terms of machine management, running, operation and service. On the other
hand, USD 2,188 equivalent to Tshs 2,625,000/= will be community contribution in
terms of locally available materials like sand, gravels, stones and labour in kind.
The project duration is expected to be one year (twelve months), while the grant/ loan
repayment period will cover 6 years period. Payment structure is shown in annex 8.7
The execution of the project will be made by the UMAKWA CBO and the respective
groups’ management as shown on the annex of CBO Organization structure.
2.6.1 Project location.
The proposed project will be installed within the three Wards of Kwamtoro, Lalta and
Ovada, where by the sites will be located strategically basing on the accessibility of
sunflower producers, to easily reach the oil pressing machines in each Ward. In addition,
the location will be strategically located in such that, it can curb the outflows of
sunflower seeds to Kondoa and Singida.
2.7. PROJECT MANAGEMENT.
The oval management of the project will be undertaken by the UMAKWA executive
committee, the economic committee and the management of the respective CBO groups.
The executive secretary of the UMAKWA CBO will be the overall in charge and
manager of the project. The project manager will be responsible for day to day
management of the project assisted by the project treasurer, who will be responsible for
administration and financial matters.
Each CBO group will employ two employees namely; one security guard and one
machine operator for starting the business, and later the management will see if there is a
possibility to increase the number of employees depending to need and profitability of the
project.
2.8 CROSS CUTTING THEMES (ISSUES).
The project operation will be sensitive in gender equality; where by both sex (males and
female) will be encouraged to participate on the operation. The responsible groups will be
sensitized to involve women and males in the planning, implementation and running of
the project/business.
In addition, the project will employ one of the disabled people to constitute the project
staff.
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Apart from being ant child labour and children abuse, the project will also be
environmental friendly by making sure that all waste products from the sun flower oil
processing activities are used for other productive work like animal feeding. Planting
trees around the semi processing plants/industries will be a daily agenda.
2.9 BENEFIT & JUSTIFICATION OF THE PROJECT.
The investment cost is shown in annex 8.4 while annex 8.3 shows clearly the operating
cost which covers, diesel, salaries, maintenance and repair, whereby employee includes
Project Manager, Treasurer, Machine Operators and Security Guards. Repayment of the
loan/grant and interest shown in annex 8.7
2.9.1 Socially.
The sunflower oil expeller project is expected to increase social relation ship and
development in the community. Six people are expected to be employed by the project,
through which they can increase their house hold income, hence use the money for
productive business and other social obligations such as school fees and medical care and
treatment.
Moreover, the project is expected to increase the value of sun flower. In stead of selling
sunflower crude seed at low price, the farmers can now sell finished product (oil) which
can fetch better price, hence increase house hold income and bring peace of mind.
2.9.2 Economically.
As you can see in the annex no 8.6, the project is economically viable and more
profitable. It can generate revenue as profit after tax of 44,901,955/= for the whole
period of six years which enable the project to repay back the loan/grant and pave the
way for other money to be invested in other projects. The project can employs six people
directly, apart from the fact that it can create ready market for sunflower, hence stimulate
sunflower production as producers gets substantial amount of money.
Moreover, production of pigs and poultry will be increased due to the availability of
suitable and delicious foodstuff from waste product. Environmental hazards of waste
product will be taken care of, as the waste products are used as animal feed.
Apart from getting money, the community members can also get nutritious food from the
oil by using part of them as cooking oil. In addition the project will contribute direct to
the national income the tax realized amounting to 11,225,489/= for the period of six
years as shown in annex no 8.7.
2.10 PROJECT MARKET.
The market for the service is available. Currently, there is no processing/plant for
sunflower oil in the whole Division of Kwamtoro. Farmers do transport their produce to
Kondoa/Singida town 85 kilometers for the service or opt to sell at low price within their
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respective villages. The area is now producing sun flower seriously due to the fact that it
is the only most profitable cash crop in the area.
In the villages, the price for 1 kg of sunflower seed is 300/= tshs. Therefore, one bag
of 70 kgs can earn 20,000/= to 21,000/=. One bag of 70 kg can produce one tin of 2o
liters of oil, which is sold at 35,000/= in the area. By selling processed oil, farmer can
get 10,000/= after deduction of all other expenses. One acre of sunflower can
produce 10 bags of 70 kgs each.
Sun flower oil is more marketable because it has no contamination from inorganic
substances. It is pure vegetable.
2.11 FINANCIAL ASPECT AND WORTHINESS.
2.11.1 Assumptions and consideration.
-It has been assumed that, the project economic life will be six (6) years.
-the loan/grant secured will be repaid within period of six years without grace period.
- Only cost of expeller machines will be repaid back with the interest rate of 10% per
six years.
-The repaid money will be invested in other productive and viable projects within the
community.
- The community members will contribute 25% of the oil expeller machines before
receiving them.
2.11.2 Project viability and sustainability.
The project has a positive net present value which shows that it worth undertaking
as shown under annex. The internal rate of return (IRR) is positive as NPV. There
fore, the project is financially, commercially, economically, and socially viable and
worth undertaking.
Moreover, the project is the community initiative hence community members
involved in project design, planning and definitely will participate in the project
implementation, monitoring and evaluation of the project. The availability of the
raw material and the market of the product (Sunflower oil) will sustain the project
too!
3.0 CONCLUSION.
Through the analysis outlined, the project/plan has the capacity to repay back the
loan/grant apart from increasing the value of agricultural products and raising income
among community members of Kwamtoro and contribute and contribute to National
economic growth. There fore, I recommend for funding.
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4.0 APPENDICES/ANNEXES.
4.1 PROJECT COST ESTIMATES EXCLUDING SALARIES & OTHER OPERATIONAL COSTS.
Item Details/Quantity Unit cost
inTshs
Total cost in
Tshs
Unit cost
in US $
Total cost in
US $
Oil Expeller Machines with
engine & filter
3 sets of diesel engine 5,500,000/= 16,500,000/= 4,583/= 13,750/=
Cement 450bags 18,000/= 8,100,000/= 2,254/= 6,761.5/=
Iron bars 12mm 30 bars 10,000/= 300,000/= 83/= 250/=
DPC 3roll 10,000/= 30,000/= 8/= 25/=
Complete doors 6pcs 100,000/= 600,000/= 167/= 500/=
Complete windows 6pcs 50,000/= 300,000/= 83/= 250/=
Corrugated iron sheet 3m-G28 60pcs 15,000/= 900’000/= 250/= 750/=
Treated timber2"x3"@2"x6" 300pcs 6000/ 1,800,000/= 500/= 1,500/=
Nails 2",3",4"@5" 60kgs 2,500/= 150,000/= 42/= 125/=
Hinges 2"@4" 30pcs 15,000/= 450,000/= 125/= 375/=
Door locks 6pcs 20,000/= 120,000/= 33/= 100/=
Sand 25trips 25,000/= 625,000/= 174/= 521/=
Stones 10trips 25,000/= 250,000/= 69/= 208/=
Community contribution NA 2,625,000/= NA 2,188/=
TOTAL NA NA 32,750,000/= 8,368/= 27,298/=
Exchange rate: 1 US$=1,200/= Tshs
The project is hereby in need of USD 25,105/= as loan/grant and US $ 2,188 As Community contribution.
4.2 MANPOWER REQUIRED AND COSTS.
S/N ITEM QUANTITY SALARY PER MONTH 1ST YEAR. YEAR 1-3.
1 Project manager 1 180,000/= 2,160,000/= 6,480,000/=
2 Treasurer 1 120,000/= 1,440,000/= 4,320,000/=
3 Machine operators 2 160,000/= 1,920,000/= 5,760,000/=
4 Security guards 2 150,000/= 1,800,000/= 5,400,000/=
TOTAL 6 610,000/= 7,321,000/= 21,960,000/=
9
4.3 PROJECT OPERATION COSTS.
ITEM/YEAR YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6
Diesel 1,920,000/= 2,016,000/= 2,116,800/= 2,222,640/= 2,333,772 2,450,461
Salaries 7,320,000/= 7,320,000/= 7,320,000/= 7,686,000/= 7,686,000/= 7,686,000/=
Maintenance &
repair
100,000/=
100,000/=
100,000/=
100,000/=
100,000/=
100,000/=
Contingency 20,000/= 20,000/= 20,000/= 20,000/= 20,000/= 20,000/=
Depreciation by
12.5% of
16,500,000/
2,062,500/= 1,804,688/= 1,579,102/= 1,381, 714/= 1,209,000/= 1,057,875/=
TOTAL 11,422,500/= 11,260,688/= 11,135,902/= 11,410,354/= 11,348,772/= 11,314,336/=
4.4 PROJECT AND MEANS OF FINANCE.
S/N ITEM/DESCRIPTION GRANT/LOAN EQUITY CBO GROUP’S
CONTRIBUTION.
TOTAL
1 Capacity building to the groups 1,000,000/= - 1,000,000/=
2 Project (installation costs) 13,625,000/= - - 13,625,000/=
3 Oil expeller machines 16,500,000/= - - 16,500,000/=
4 Working capital( as also Advance payment 25% of
item 3 oil expeller machines costs)
- - 4,125,000/= 4,125,000/=
5 Community contribution in local materials. - - 2,625,000/= 2,625,000/=
TOTAL 30,125,000/= 1,000,000/= 6,750,000/= 37,875,000/=
4.5 PROJECTED PROJECT REVENUE.
S/N ITEM/PARTICULAS QUANTITY UNIT PRICE TOTAL INCOME
1 Oil pressing process 5,760 BAGS 3,000/= 17,280,000/=
2 Sales of waste products 4,800 KGS 50/= 240,000/=
TOTAL REVENUE 17,520,000/=
10
4.6 PROJECTED PROFIT AND LOSS ACCOUNT FOR THE END OF THE YEAR IN TSHS.
ITEM/YEAR YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6
Revenue from oil pressing service 17,280,000/= 20,160,000/= 21,000,000/= 21,600,000/= 21,900,000/= 21,900,000/=
Sales revenue from waste products. 240,000/= 260,000/= 280,000/= 300,000/= 350,000/= 400,000/=
Total revenue 17,520,000/= 20,420,000/= 21,280,000/= 21,900,000/= 22,250,000/= 22,300,000/=
Operating costs.
Diesel 1,920,000/= 2,016,000/= 2,116,800/= 2,222,640/= 2,333,772 2,450,461
Salaries 7,320,000/= 7,320,000/= 7,320,000/= 7,686,000/= 7,686,000/= 7,686,000/=
Maintenance & repair
100,000/=
100,000/=
100,000/=
100,000/=
100,000/=
100,000/=
Contingency 20,000/= 20,000/= 20,000/= 20,000/= 20,000/= 20,000/=
Total costs 9,360,000/= 9,456,000/= 9,556,800/= 10,028,640/= 10,139,772/= 10,256,461/=
Operating profits. 8,160,000/= 10,964,000/ 11,723,200/= 11,871,360/= 12,110,228/= 12,043,539/=
Depreciation 2,062,500/= 1,804,688/= 1,579,102/= 1,381, 714/= 1,209,000/= 1,057,875/=
Interest on term loan 10% distributed equally. 275,000/= 275,000/= 275,000/= 275,000/= 275,000/= 275,000/=
Total 2,337,500/= 2,079,688/= 1,854,102/= 1,656,714/= 1,484,000/= 1,332,875/=
Profit before tax 5,822,500/= 8,884,312/= 9,869,098/= 10,214,646/= 10,626,228/= 10,710,660/=
Tax 20% 1,164,500/= 1,776,862/= 1,973,820/= 2,042,929/= 2,125,246/= 2,142,132/=
Profit after tax 4,658,000/= 7,107,450/= 7,895,278/= 8,171,717/= 8,500,982/= 8,568,528/=
4.7 PROJECT GRANT/LOAN REPAYMENT IN TSHS.
YEAR/ITEM OUTSTANDING AMOUNT ANNUAL PAYMENT INTEREST AT 10% TOTAL PAYMENT
YEAR 0 16,500,000/= 4,125,000/= - 4,125,000/=
YEAR 1 12,375,000/= 2,062,500/= 275,000/= 2,337,500/=
YEAR 2 10,312,500/= 2,062,500/= 275,000/= 2,337,500/=
YEAR 3 8,250,000/= 2,062,500/= 275,000/= 2,337,500/=
YEAR 4 6,187,500/= 2,062,500/= 275,000/= 2,337,500/=
YEAR 5 4,125,500/= 2,062,500/= 275,000/= 2,337,500/=
YEAR 6 2,062,500/= 2,062,500/= 275,000/= 2,337,500/=
- TOTAL 16,500,000/= 1,650,000/= 18,150,000/=
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4.8 CASH FLOW FORECAST IN TSHS.
ITEM/YEAR YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YRAE 6
CASH IN FLOW
Equity 1,000,000/=
Advance payment from the CBO 3
Groups
4,125,000/=
Term loan 16,500,000/= -
Sales revenue 17,520,000/= 20,420,000/= 21,280,000/= 21,900,000/= 22,250,000/= 22,300,000/=
Depreciation - 2,062,500/= 1,804,688/= 1,579,102/= 1,381, 714/= 1,209,000/= 1,057,875/=
TOTAL INFLOW 21,625,000/= 19,582,500/= 22,224,688/= 22,859,102/= 23,281,714/= 23,459,000/= 23,357,875/=
CASH OUTFLOW
Investment. 17,500,000/=
Operating costs - 11,422,500/= 11,260,688/= 11,135,902/= 11,410,354/= 11,348,772/= 11,314,336/=
Payment (p+i). 4,125,000/= 2,337,500/= 2,337,500/= 2,337,500/= 2,337,500/= 2,337,500/= 2,337,500/=
TOTAL OUT FLOW. 21,625,000/= 13,760,000/= 13,598,188 13,473,402/= 13,747,854/= 13,686,272/= 13,651,836/=
Net cash flow - 5,822,500/= 8,626,500/= 9,115,700/= 9,533,860/= 9,772,728/= 9,706,039/=
Opening balance - - 5,822,500/= 14,449,000/= 23,564,700/= 33,337,428/= 43,043,469/=
Closing balance. - 5,822,500/= 14,449,000/= 23,564,700/= 33,337,428/= 43,043,469/= 52,749,508/=
4.9 DISCOUNTED CASH FLOW IN TSHS.
ITEM/YEAR YEAR 0 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 6
Net Benefits 21,625,000/ 5,822,500/= 8,626,500/= 9,115,700/= 9,533,860/= 9,772,728/= 9,706,039/=
DF 10%
Discounted cash flow.
DF 15%
Discounted cash flow.
12
4.10 CBO and project organization structure.
CBO
BOARD
Executive
Committee
Board Secretary
Education &
Mobilization
Committee
Active
CBO Group
(Ovada Ward)
Economic
Committee
Active
CBO Group
(Kwamtoro Ward)
Active
CBO Group
(Lalta Ward)
Machine
Operator
Security
Guard
Security
Guard
Machine
Operator
Security
Guard
Machine
Operator
Treasurer
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4.11 CBO Leader CVs.
CV FOR CHAIRPERSON.
Name : Pius Kawa Majengo
Date of birth : 28/12/1947
Place of birth : Baaba
Ward : Ovada
Division : Kwamtoro
District : Kondoa
Region : Dodoma
EDUCATION BACK GROUND:
1955 – 1958 : Kilimba Primary school
1959 – 1962 : (Middle School) STD V – VIII
1963 : Appointed to join Bihawana Secondary school but not attended
due to family problems dearth of mother.
1969 – 1920 :
Correspondence for ROYAL SOCIETY OF ARTS from Britain
1970 & acquire elementary stage certificate in mathematics &
book – keeping.
Other trainings:
• One month management training at 1978.
• One month management & administration training prepared by CCM
• Training on counseling responsibilities 2001 – 2006.
• Management, mobilization and supervision facilitated by WVT/ADP.
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WORKS & PUBLIC ADIMISTRATION EXPERIENCE
I: WORK EXPERIENCE
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a) 1964 – 1972 : Account clerk (Anglo – American corp.) mineral research
b) 1979 – 1982 : Account assistant
c) 1985 – 1986 : Secretary Primary cooperative society
d) 1986 – 1989 : Village seretary rulling part C.C.M
e) 1993 – 1995 : VEO – Village executive officer
II: UONGOZI:
1. 1961 – 1962 : Chairperson, Kurio student association.
2. 1999 – 2004 : Chairperson Village
3. 2000 –To date : Council ward
4. 1998 – 2004 : secretary (WVT)
5. 2004 – 2005 : chairperson (WVT)
6. 2002 to date : Member of C.C.M executive committee Kondoa District
7. 2003 to date : Member of C.C.M parent committee C.C.M Regional level
: Member of councilor’s discipline
CV – FOR HUSSEIN YUSUPH HUSEIN
NAME : Hussein Yussuph Hussein
DATE OF BIRTH : 08/03/1959
PLACE OF BIRTH : Msera Village
15
ADRESS : S.L.P. Msera/Kwamtoro
MERITAL STATUS :
EDUCATION :
• 1974 : Primary School Education
• 1977 – 1979 :
(Carpenter/Mason) 3years Kurio Technical School.
OTHER TRAINING :
Exposure & learning visits:
• 2001 : Mpunguzi ADP
• 2002 : Shinyanga – Dakawa ADP – ya CBO issues
• 2005 : Njombe – UVIMTA – CBO issues
• 1980 – 1991 : (JWTZ) training management Senior ncos course
Junior ncos Course in Morogoro.
• 1992 – 1998 : Village Executive Officer.
• Book keeping training
• Workshop on management administration & community participant by (TASAF).
• Training on animal reeling Dairy goat’s cluckier bee keeping.
• Training on seed multiplication. Onions seeds Mangola Red and Tengeru 94.
SEMINA NA WARSHA MBALIMBALI:
Seminars and workshops.-
• 2001 – 2004 : World Vision conference in Morogoro, Dodoma leading Kwamtoro ADP as the
Chairperson.
• HIV workshops and seminars under EU-HIV/AIDS Project Centre Zone through Kwamtoro
ADP.
16
CURRICULUM VITAE (CV)
A: PERSONAL INFORMATION
Full name: FRANK MATHEW SAKI
Birth date: 11.08.1962
Place of birth: Kurio village, Kwamtoro division,
District: Kondoa
Region: Dodoma
Nationality: Tanzanian
Marital status: Married with two children.
Contact address:
Kwamtoro ADP
C/o world vision – central zone
P.O.BOX 3113
DODOMA
MOBILE: 0786361164
E. mail: saki_frank@yahoo.com
Residential address:
Magambua village
Lalta ward
Menduse (mandalaa) sub village
B: Schools attended
Kurio primary school 1972 – 1978
Award: primary school leaving certificate
Kurio carpentry and joinery school 1979 -80
St peters junior seminary (Morogoro) 1981- 1987
Award: Certificate of secondary Education Division three 1984
Advanced certificate of Secondary education Division two 1987
Jeshi la kujenga Taifa (JKT) 1987 -1988
Award: Certificate of National Service
C. Other courses/trainings attended
Financial management on job training induction course – Msimbazi centre Dsm
for two weeks – Nov 1988
Chuo cha Polisi Moshi (six months 1993)
Subjects – criminal law
Law of evidence
Criminal procedure act
Investigation and administration
Award: certificate of performance
Computer training (one week) VETA Dodoma – November 2007
Projects proposal writing – (one week) CBHI Kondoa
17
D. Work experience and positions held
Income tax dept (DSM and singida stations)
Position: tax collection assistant II (TCAII) 1988 – 1989
Presidents office – investigation Dept DSM and Mbeya stations) 1991 – 1994
Position: Investigator IV
World Vision – Kwamtoro ADP 1998 to date
Position: Customer Relations services In charge
4.12 CBO certificate of registration.
18
ABOVE: One of the big Sun flower farm at Kwamtoro Village.

LAKWAO TSACCOS MEMBERS AFTER SEMINER.

LAKWO TSACCOS AT WORK SHOP.

REGINAL SECRETARY, JAPAN VISITOR AND UMAKWA OFFICIALS

LAKWAO TSACCOS (2008) LTD SAVINGS AND DEPOSITS POLICY

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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.
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(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:-
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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.
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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/=
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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.

LAKWAO TSACCOS (2008) LTD LOAN POLICY

1
Namba ya kuandikishwa . ……………………
SERA YA MIKOPO
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 MKOPO – LAKWAO TALANT SACCOS LTD ....................................................................................... 3
UTANGULIZI. .................................................................................................................................................. 3
DIRA YA CHAMA ............................................................................................................................................ 3
AZMA/MWELEKEO WA CHAMA .................................................................................................................... 3
MADHUMUNI YA CHAMA ............................................................................................................................... 3
MISINGI NA KANINI KUU ZA UTOAJI MIKOPO. ......................................................................................... 4
SEHEMU YA I.................................................................................................................................................. 5
SIFA ZA MKOPAJI. .................................................................................................................................... 5
SEHEMU YA II ................................................................................................................................................. 5
KUSUDIO LA MKOPO NA AINA ZA MIKOPO. .......................................................................................... 5
SEHEMU YA III. .............................................................................................................................................. 6
MAOMBI YA MIKOPO. ............................................................................................................................... 6
SEHEMU YA IV................................................................................................................................................ 7
KUTATHMINI NA KUIDHINISHA MIKOPO ................................................................................................ 7
SEHEMU V ....................................................................................................................................................... 7
MAPENDEKEZO NA MAAMUZI YA MKOPO .............................................................................................. 7
SEHEMU YA VI................................................................................................................................................ 7
ADA YA MIKOPO ........................................................................................................................................ 7
SEHEMU YA VII .............................................................................................................................................. 8
DHAMANA YA MKOPO ............................................................................................................................... 8
SEHEMU YA VIII ............................................................................................................................................. 8
MKATABA WA MIKOPO .............................................................................................................................. 8
SEHEMU YA IX ................................................................................................................................................ 9
MIPANGO YA UREJESHAJI MIKOPO ........................................................................................................ 9
SEHEMU YA X ................................................................................................................................................. 9
UFUATILIAJI NA USIMAMIZI WA MIKOPO. ............................................................................................. 9
SEHEMU YA XI .............................................................................................................................................. 10
UKUSANYAJI MIKOPO ............................................................................................................................. 10
SEHEMU YA XII ............................................................................................................................................ 10
UCHELEWESHAJI WA MAREJESHO ....................................................................................................... 10
SEHEMU YA XIII ........................................................................................................................................... 11
KUAHIRISHA ULIPAJI WA MKOPAJI ...................................................................................................... 11
SEHEMU XIV ................................................................................................................................................. 12
KUFUTWA KWA DENI LA MKOPO .......................................................................................................... 12
SEHEMU YA XV ............................................................................................................................................ 12
BIMA........................................................................................................................................................... 12
SEHEMU YA XVI ........................................................................................................................................... 12
FORM YA MAOMBI YA MIKOPO .............................................................................................................. 12
TAARIFA ZA MWANACHAMA .................................................................................................................. 12
TAARIFA ZA MKOPO ............................................................................................................................... 12
TAARIFA ZA DHMANA NA UDHAMINI ................................................................................................... 13
UTHIBITISHO ............................................................................................................................................ 13
MAONI YA MWAJIRI ................................................................................................................................ 13
UAMUZI WA KAMATI YA MKOPO ........................................................................................................... 13
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SERA YA MKOPO – LAKWAO TALANTA SACCOS LTD
UTANGULIZI.
LAKWAO T SACCOS LTD ni taasisi ya hiari ya kifedha inayohudumia wanachama ambao ni
wananchi wanaoishi katika vijiji vya Ndoroboni, Kwamtoro, Msera, Ilasee, Magambua, Handa,
Lahoda, Wairo, Manantu, Kisande, Dinae, Baaba, Jogolo, Takwa, Kinyamsindo, Mengu na
Ovada, Tarafa ya Kwamtoro wilaya ya Kondoa, mkoani Dodoma na wengine wanaotoka nje ya
maeneo haya ili mradi wakubalike katika vikundi vya eneo hili.
LAKWAO T SACCOS LTD ni chama kilichoandikishwa rasmi mwaka …….. na mrajisi wa ushirika
chini ya sheria namba 20 ya mwaka 2003. namba yake ya kuandishwa ni ………………….
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 kujilitea maendeleo endelevu.
MADHUMUNI YA CHAMA
Madhumuni ya chama hiki pamoja na mambo mengine ni:-
a) kuendeleza uanachama wa mtu 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 kati ya 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 T SACCOS LTD.
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 T SACCOS LTD.
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g) kujenga na kuimarisha uwezo wa wanachama kuendesha na kusimamia chama kwa njia
ya Elimu ya ushirika na ushirikishwaji wa wanachama.
h) kubuni utaratibu mzuri wa kutoa taarifa za shughuli za LAKWAO T SACCOS LTD 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 na wa kitaalamu.
j) kuwawezesha wanachama kuongeza kipato katika kaya na kusaidia kuongezeka kwa
mzunguko wa fehda katika eneo lao kwa kuhakikisha kuwa huduma na mahitaji muhimu
yanapatikana kwa urahisi katika eneo la LAKWAO T SACCOS LTD.
k) kutoa elimu ya ujasiriamali, uendeshaji na usimamamizi wa biashara kwa wanachama.
l) kushirikana na taasisi nuingine 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 T
SACCOS LTD.
MISINGI NA KANUNI KUU ZA UTOAJI MIKOPO.
Kupata faida ni dhana ambayo itasaidia kusitawi na kuendelea kwa chama. Kuwepo kwa sera hii
ya mikopo inatarajiwa kupunguza hatari za hasara zinazoweza kujitokeza katika chama. Vigezo
hivi pamoja na vifuatavyo vimewekwa ili kuwa kama kinga ya kudhibiti utendaji bora wa
huduma za taasisi yenyewe:-
a.) Ili biashara iweze kustawi, uaminifu katika biashara ni jambo muhimu sana na chama
kitalisimamia kuhakikisha kuwa wanachama wake wanakuwa waaminifu na biashara ya
kukopesha inakuwa endelevu.
b.) Chama kitatilia mkazo kuhakikisha kuwa wanachama wake wanaorejesha mkopo kwa
muda unaotakiwa wanapewa motisha. Aidha wanachama watakaoweza kukopa na
kurejesha mapema wanapatiwa nafasi ya kufikiriwa kwa mikopo mikubwa.
c.) Kuhakikisha kuwa wanachama wanajisikia kuwepo kwa mkopeshaji. Chama kupitia
watumishi wake watahakikisha kuwa wanakuwa karibu na mkopaji na kuona kuwa
urejeshaji wa mkopo unafanyika kama ilivyokubalika.
d.) Chama kitazingatia zaidi tabia ya mkopaji kama moja ya vigezo muhimu wakati wa utoaji
mkopo. Vingine ni pamoja na uwezo, dhamana, hali yake na mtiririko wa fedha.
e.) Misingi ya malipo itabakia kuwa ni uwezo wa kuzalisha kipato katika shughuli za kila siku
za mwanachama. Ili kupunguza hatari ya kupata hasara, utoaji wa mkopo utazingatia pia
uzoefu wa mkopaji na ujuzi wake katika shughuli zake za uzalishaji.
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f.) Huduma za kifedha ni shughuli ya biashara. Usimamizi wa mikopo unajengwa na kufuata
taratibu na kutafsiri kanuni ili kuweza kuepusha matumizi mabaya ya fedha za
wanachama na kuporomoka kwa taswira na hadhi ya chama cha ushirika wa akiba na
mikopo yaani LAKWAO T SACCOS LTD.
SEHEMU YA I.
SIFA ZA MKOPAJI.
LAKWAO T SACCOS LTD kitazingatia sifa za kikatiba kwa mwanachama zinazomwezesha kuomba
na kufikiriwa kupewa mkopo. Sifa hizi ni pamoja na;
1. mwombaji awe ametimiza angalau Miezi sita tangu ajiunge na LAKWAO T SACCOS LTD
mwombaji awe angalau amenunua si chini ya hisa mbili chamani.
2. mwombaji awe ameweka akiba na/au amana kwa kiasi kinachomwezesha kupata mkopo
na kwamba Maombi ya mkopo hayatazidi mara mbili ya kiasi cha akiba na/au amana
aliyonayo chamani. Kama chama kitaweza kupata fedha nyingine kwa kuwakopesha
wanachama wake zaidi ya mara mbili, wanachama watapatiwa taratibu za kufuata.
3. mwombaji pamoja na kuwa na akiba na/au amana kwa kiasi cha kutosha chamani
anatakiwa kushiriki na kutimiza majukumu mbalimbali ya chama, hususani, kuhudhuria
mikutano ya chama na kushiriki kikamikilifu.
4. mwombaji asiwe na madeni mengine na kama yapo, pawepo na ushahidi kuwa anao
uwezo wa kuyalipa.
5. mwombaji awe na dhamana ya hakika ya kumwezesha kupata mkopo (k.m mshahara,
shughuli ya uzalishaji mali, biashara,n.k.)
SEHEMU YA II
KUSUDIO LA MKOPO NA AINA ZA MIKOPO.
LAKWAO T SACCOS LTD kitakuwa tayari kumkopesha mwanachama ambaye amenuia kuwa na
mradi wa kiuchumi au shughuli yoyote ya kihalali (kama kilimo cha kisasa, bustani za mboga,
ufugaji wa kuku, ng’ombe, nyuki, uvuvi, mazao ya misitu, viwanda vidogovidogo, biashara za
rejareja, na huduma nyingine, kama vile Elimu, afya ujenzi wa nyumba bora, kununua hisa
kwenye makampuni, n.k.
Mikopo katika ushirika wa LAKWAO T SACCOS itagawanyika katika makundi makuu yafuatayo:-
a.) Mkopo wa biashara – huu ni mkopo wa muda mfupi kwa ajili ya mtaji wa biashara
b.) Mikopo ya uzalishaji – hiii ni mikopo ya msimu kwa ajili ya wakulima kununulia
pembejeo na shughuli zingine zihusuzo kilimo
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c.) Mikopo ya huduma - hii ni mikopo kwa ajili ya ada ya Elimu, matibabu, hifadhi ya
Chakula, harusi, hija n.k.
d.) Mikopo ya dharura- hii ni mikopo kwa ajili ya misiba, ugonjwa hasa kwa mwanachama
mwenye mkopo mingine tayari.
e.) Mikopo ya mtaji mkubwa au rasilimali – hii ni mikopo kwa ajili ya kupata mtaji wa
malighafi au kulipa vibarua/wafanyakazi au ununuzi wa rasilimali kama mashine, ardhi
Majengo, magari nk. Kwa ajili ya uzalishaji.
mikopo hii pia itatengwa katika madaraja manne (4)
i.) Mikopo midogo – kuanzia Tsh. 1 – 400,000/= itatozwa riba ya 8% kwa Miezi 6
ii.) Mikopo ya kati - kuanzia 400,001 – 2,000,000/= itatozwa riba ya asilimia 10% kwa
Miezi 12.
iii.) Mikopo mikubwa – 2,000,001/= na kuendelea, itatozwa 12% kwa Miezi 12.
iv.) Mikopo ya dharura- 20% ya amana na akiba, hii itatozwa 5% kwa miezi 3.
N.B. Mkutano mkuu unaweza kubadilisha viwango hivyo kulingana na hoja na wakati.
SEHEMU YA III.
MAOMBI YA MIKOPO.
Mwombaji wa mkopo atatakiwa kufuata taratibu zifuatazo:
1. kabla ya kupewa mkopo, mwanacham atatakiwa kujaza fomu maalumu ya Maombi ya
mkopo.
2. Pia atatakiwa kuonyesha mambo muhimu yafuatayo kwenye fomu maalumu ya Maombi ya
mkopo
a.) Jina la mwombaji
b.) Nambari ya kitabu cha akiba
c.) Kikundi anachotoka
d.) Kijiji chake
e.) Anuani ya mwombaji
f.) Aina ya mkopo
g.) Kiasi cha fedha anachoomba
h.) Sababu/madhumuni ya mkopo
i.) Muda wa marejesho ya mkopo
j.) Kiasi cha fedha kitakachorejeshwa kwa kila awamu.
k.) Dhamana ya mkopo.
l.) Ahadi ya wadhamini.
m.) Uthibitisho/kiapo juu ya ukweli wa maelezo aliyoyatoa
n.) Saini ya mwombaji
o.) Tarehe ya Maombi
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SEHEMU YA IV
KUTATHMINI NA KUIDHINISHA MIKOPO
Mambo yafuatayo yatatakiwa kuzingatiwa na kamati ya mikopo wakati wa kutathmini Maombi ya
mikopo kabla ya kuidhinisha;
1. madhumuni ya mkopo (kwa nini mwanachama anaomba mkopo)
2. uwezo wa mwombaji wa kulipa mkopo anaouomba pamoja na riba.
3. uwezekano wa mkopo kulipwa kwa wakati uliokusudiwa
4. Kuwepo kwa chanzo/au vyanzo vingine vya mapato
5. Aina ya dhamana ya mkopo anayoitoa
6. usahihi wa maelezo aliyoyatoa kwenye fomu ya Maombi
7. Tamko la wadhamini wake
8. Aina ya mkopo
9. Tabia na mwenendo wa mkopaji
10. Mwombaji kuwa na makao maalum
SEHEMU V
MAPENDEKEZO NA MAAMUZI YA MKOPO
1) Uamuzi wa mkopo wa muda mrefu utatolewa ndani ya kipindi kisichozidi mwezi mmoja toka
Maombi ya mwanachama yalipofika kwa kamati ya mikopo.
2) Maamuzi ya Maombi ya mkopo wa dharura yatatolewa baada ya kipindi kisichozidi siku tano
tangu maombi yalipofika kwa kamati ya mikopo.
3) Kiasi cha dharura kitakachotolewa kwa mwanachama aliyeomba kitakuwa si zaidi ya asilimia
ishirini ya kiasi cha akiba na amana alizonazo mwanachama chamani. Maombi ya dharura yapitie
kwenye kikundi cha mwanachama kabla ya kufikishwa kwenye kamati ya mikopo.
4) mkopo wa dharura utatolewa kwa mwanachama aliyekwisha kopa mkopo wa kawaida.
5) Endapo mkopo utakuwa nje ya kipengele Na 4. hapo juu mkopaji atahudumiwa ndani ya siku
tano lakini riba itabaki kama ilivyo katika mkopo wa kawaida.
SEHEMU YA VI
ADA YA MIKOPO
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1) Kwa kuanzia, mkopo unaotolewa na LAKWAO T SACCOS LTD utalipiwa ada ya shilingi 1,000/=
ili kufidia gharama za utawala na mchanganuo wa mkopo, isipokuwa, chama kupitia mkutano
mkuu, kinanaweza kufikiria, kujadili na hatimaye kuweka kiwango kingine cha malipo ya ada ya
mikopo.
2) Endapo LAKWAO T SACCOS LTD kitaamua kuwa na utaratibu wa kutoza malipo ya ada ya
mikopo, ada hizo zinaweza kutofautiana kutokana na aina moja ya mkopo hadi nyingine.
SEHEMU YA VII
DHAMANA YA MKOPO
1) kila mkopo unaotolewa na LAKWAO T SACCOS LTD ni lazima uwe na dhamana yake.
2) Dhamana za mkopo zitakazokubaliwa na LAKWAO T SACCOS LTD ni pamoja na;
a.) Jinsi LAKWAO T SACCOS LTD inavyomwamini mwanachama wake katika kurejesha
madeni.
b.) Udhamini wa Mwajiri (kwa wanachama ambao ni waajiriwa) ambapo anatia saini na
kupiga muhuri kwenye fomu ya Maombi.
c.) Udhamini wa wanachama ambao ni wanakikundi wasiopungua wawili ambao dhamana zao
za akiba katika chama kwa pamoja hazitapugua nusu ya mkopo ulioombwa isipokuwa kwa
mkopo unaotokana na fedha za nje ya chama kutoka katika taasisi za kifedha ambapo
dhamana ya mkopo itatokana na makubaliano kati ya chama na taasisi husika.
SEHEMU YA VIII
MKATABA WA MIKOPO
Mkataba wa mkopo ni makubaliano ya kisheria kati ya LAKWAO T SACCOS LTD na mkopaji au
LAKWAO T SACCOS LTD na mkopeshaji. Makubaliano hayo ni kielelezo cha kwamba chama
kimemkopesha mwanachama wake au kimekopeshwa fedha na taasisi nyingine. Kwa madhumuni
haya;
1. mwombaji aliyekubaliwa kupewa mkopo atapaswa kusaini mkataba wa mkopo.
2. mambo muhimu yafuatayo yatatakiwa kuonyeshwa katika mkataba wa mkopo;
a.) nurejeshaji mkopo ambapo mkataba utaweka bayana kuhusu muda wa kurejesha,
tarehe ya kuanza marejesho na kiasi kitakacholipwa kwa kila awamu;
b.) dhamana ya mkopaji; na
c.) kiasi cha riba juu ya mkopo kitakachotozwa kwa kuzingatia aina ya mkopo.
9
Kila mkopaji atasaini nakala mbili za mkataba wa maandishi; Nakala moja itakuwa ya LAKWAO T
SACCOS LTD na nyingine atapewa mwanachama aliyekopa ili awe akielewa Masharti na taarifa
zilizomo kwenye mkataba huo hususani juu ya urejeshaji, riba, dhamana, nk.
SEHEMU YA IX
MIPANGO YA UREJESHAJI MIKOPO
1) LAKWAO T SACCOS LTD itapanga jinsi mkopaji atakavyoweza kurejesha mkopo kutokana na
shughuli ya uzalishaji au biashara anayofanya mkopaji. Kiasi cha mkopo na riba yake itakuwa
ikilipwa kwa muda/wakati uliopoangwa ambao unaweza kuwa kwa kila wiki, mwezi hadi mkopo
utakapokwisha kulipwa. Kiasi cha mkopo ulioombwa kitatolewa kutokana na mahitaji ya
mkopaji. Kwa mfano kama ni kilimo kuna kulima, kupalilia na kuvuna. Hivyo basi kila kipindi
mkopo utatolewa kulingana na mahitaji ya mkopaji badala ya kumpa mkopo wote mara moja.
2) kiasi kinachopaswa kurejeshwa kwa mwezi/Miezi kinapaswa kuwa sawa kwa muda wote. Kwa
mfano kama marejesho ya mkopo pamoja na riba kwa mwezi ni Tshs. 10,000/=, basi kila mwezi
mkopaji anapaswa kulipa hivyo na si chini ya hapo.
3) mkopo wa dharura unapaswa kurejeshwa kwa mikupuo miwili, ikijumuisha mkopo pamoja na
riba. LAKWAO T SACCOS LTD iepuke mkopo wa dharura kulipwa zaidi ya mikupuo mitatu.
Mkopaji anapokopa afahamishwe hivyo.
4) Mkopo wa dharura utakuwa 20% ya akiba na amana za mwanachama alizonazo. Marejesho ya
mkopo huo utalipwa si zaidi ya Miezi mitatu (3) na kwa kadri itakavyo amriwa na kamati ya
mkopo. Kiwango hicho cha mkopo wa dharura kitaendelea kurekebishwa kulingana na pato la
mwanachama kupitia mkutano mkuu wa chama. Marekebisho yatafanywa na kamati ya mikopo;
hii ni pamoja na riba yake.
SEHEMU YA X
UFUATILIAJI NA USIMAMIZI WA MIKOPO.
1) Kamati ya mikopo itahitaji kufanya ufuatiliaji na usimamizi wa mkopo ili kuhakikisha kuwa
mikopo ya wanachama inatumika kama ilivyokusudiwa.
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2) Endapo kamati ya mikopo itabaini kuwa mkopo ulioidhinishwa na kutolewa kwa
mwanachama haukutumika kama ilivyokusudiwa, mojawapo ya hatua za haraka zifuatazo
zinaweza kuchukuliwa;
a.) Kamati itamwita mkopaji (mwanachama) na kutaka kupata uhakika wa jambo hilo kutoka
kwake.
b.) Endapo itabainika kuwa ni kweli mkopo huo haukutumika kama ilivyokusudiwa, kamati
inaweza kuamuru mkopaji kuurejesha mkopo huo mara moja, au
c.) Kupunguza kiasi cha fedha kinacholingana na mkopo/fedha anayodaiwa mkopaji kutoka
kwenye hesabu ya akiba yake ili kufidia kiasi hicho, au
d.) Mkopaji hatapewa nafasi ya kukopa tena hadi hapo atakapoihakikishia kamati kuwa
mkopo atakaopewa atautumia kwa busara.
e.) Mkopaji akitaka kubadilisha Malengo ya mkopo yaliyokusudiwa ni vema awasiliane na
kamati ya mikopo na kufahamisha mabadiliko hayo.
SEHEMU YA XI
UKUSANYAJI MIKOPO
LAKWAO T SACCOS LTD itakuwa na mafanikio endapo itakuwa na uwezo wa kukusanya madeni
yake kutoka kwa wakopaji ambao ni wanachama wake. Hii ni pamoja na:-
1. kama katika eneo la chama kutakuwa na chama cha ushirika na mazao, utaratibu
unaweza kuandaliwa kati ya LAKWAO T SACCOS LTD na kile chama cha mazao ili
mwanachama anayeuzia mazao katika chama hicho fedha zake zikatwe na kulipwa mara
moja katika LAKWAO T SACCOS LTD. Pia kama kuna idadi kubwa ya watumishi, kamati ya
mikopo itafanya utaratibu wa kuwa na kumbukumbu sahihi za mikopo ambazo zitakuwa
zikiwasilishwa kwa Mwajiri mapema kabla mishahara ya kila mwezi haijaandaliwa ili
kuhakikisha kuwa makato sahihi yanafanyika kwa mujibu wa kumbukumbu zilizopelekwa
kwake.
2. Endapo itabainika kuwa mkopaji ana matatizo yanayomsababishia ugumu wa ulipaji wa
mkopo anaodaiwa, kamati itafikiria kumpangia tarehe ya mbele ili kumpa nafasi zaidi ya
kulipa mkopo wake.
3. Tarehe ya kutolewa mkopo inapaswa kutumika kama siku ya kwanza. Muda wa juu kabisa
wa kurejesha mkopo usiokuwa wa dharura kwa LAKWAO T SACCOS LTD ni miaka mitatu.
Iwapo mkopo utarejeshwa wote kabla ya muda wake, malipo ya riba yatabaki vilevile.
SEHEMU YA XII
UCHELEWESHAJI WA MAREJESHO
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Urejeshaji wa mikopo uliocheleweshwa ni pale mwanachama mkopaji anaposhindwa kurejesha
mkopo siku aliyotakiwa kwa kuzingatia mkataba. Hii inaweza kuwa ni;-

sehemu ya mkopo – yaani fungu la wiki, mwezi/Miezi n.k halikurejeshwa kwa siku ya
mkataba au

mkopo uliokuwa urejeshwe kwa mkupuo haukurejeshwa siku ya mkataba
ucheleweshaji wowote wa mikopo utafuatiliwa na adhabu kwa mcheleweshaji. Madhara
yatokanayo na kuruhusu uchelewesho kwa chombo cha fedha ni makubwa. Hii ni pamoja na;-

kujenga/kuambukiza tabia hii kwa wakopaji ambao ni warejeshaji wazuri;

chama kupata adhabu ya riba ya nyongeza kama kimekopa nje;

biashara kulega lega kutokana na wanachama kukosa imani; na

kuwafanya wawekezaji kuchelea au kusita kuwekeza katika chama.
Kutokana na hali hiyo, adhabu zifuatazo zitachukuliwa kwa ucheleweshaji:

Meneja kufuatilia mkopaji – siku ya tatu baada ya mkataba. Faini ya ufuatiliaji ni Tshs.
5,000/=

Kama deni halikulipwa lote, kuwajulisha wadhamini kuwa hisa zao zitafidia deni kama
hawatahakikisha mdaiwa amelipa katika kipindi cha wiki moja;

Kama ni mfanyakazi kumjulisha Mwajiri wake na kumtaka kufanya marejesho pamoja na
adhabu ya 10% ya salio la mkopo huo;

Kamati inaweza kupanga adhabu nyingine kufuatana na usumbufu atakaosababisha
mkopaji; na

Kwa yule ambaye dhamana yake ilikuwa ni mali inayohamishika au isiyohamishika, hatua
za kuzuia, mali hizo kisheria zichukuliwe mara moja.
SEHEMU YA XIII
KUAHIRISHA ULIPAJI WA MKOPAJI
1) Mkopo utaweza kuahirishwa endapo mambo yafuatayo yamebainika kumkabili mkopaji;

Kutokea kwa janga lolote linaloweza kumfanya mkopaji (mwanachama) kushindwa
kumudu malipo ya mkopo kama vile mafuriko.

Mkopaji kukosa kabisa uwezo wa kulipa deni kutokana na kushuka kwa uwezo wake
kifedha, hali hii yaweza kutokana na, kifo, matatizo ya kiafya, kusimamishwa/kufukuzwa
/kupunguzwa kazi n.k.
2) baada ya mkopo kuahirishwa, ulipaji wa deni kama hili unaweza kuchukuliwa hatua zifuatazo
ili kufanikisha urejeshaji;

Kuongeza muda wa urejeshaji,

Kupunguza kiasi cha urejeshaji deni,
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Kusogeza mbele muda wa kuiva kwa tarehe/muda wa marejesho,

Kubadili tarehe ya makubaliano ya awali ya urejeshaji wa mkopo.

Mkopaji kutoruhusiwa kukopa tena hadi hapo atakapokamilisha marejesho ya mkopo
wake.
SEHEMU XIV
KUFUTWA KWA DENI LA MKOPO
Sehemu ya deni la mkopo inaweza kufutwa endapo uanachama wa mkopaji (mwanachama)
utakoma mali alizodhamini zitauzwa katika mazingira ambayo hisa, akiba na amana zake
kutotosheleza kulipa deni linalodaiwa na chama;
1. kifo
2. wazimu uliothibitishwa na daktari
3. wadhamini wake kukumbwa na kipengele 1 na 2 hapo juu.
SEHEMU YA XV
BIMA
Ili kuepuka madhara mbalimbali yanayoweza kutokea, LAKWAO T SACCOS LTD kitawekea bima
mikopo, fedha na mali zake nyingine
SEHEMU YA XVI
FOMU YA MAOMBI YA MIKOPO
TAARIFA ZA MWANACHAMA
1. Jina la mwanachama
2. Namba ya kitabu cha akiba
3. Anuani ya mwanachama, simu, Email.
4. Jina la kikundi chake
5. Kitongoji/ Kijiji
6. kata anamoishi
TAARIFA ZA MKOPO
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7. Aina ya mkopo
8. Ninaomba/tunaomba mkopo wa fedha kiasi cha shs. ……….. kwa maneno) ……………
9. Madhumuni ya mkopo
10. Mkopo huu nitaurejesha kwa kipindi cha Miezi . (kwa maneno) ..
11. Marejesho ya mkopo yatafanyika kwa awamu na nitalipa/tutalipa vifungu vya shs……… .
(Kwa maneno)………………………………………………………………………………………… Kwa mkupuo
mmoja/kila wiki/kilamwezi/miezi…………...pamoja na riba juu ya mkopo.
12. Sidaiwi/tunadaiwa na ……………………………….. kiasi cha shs………………. (Kwa maneno)
………………………………………………………………………………………………………………………………………..
TAARIFA ZA DHMANA NA UDHAMINI
13. Dhamana ya mkopo huu ni ……………
14. Thamani ya mali (dhamana) ni shs ………………………….. (kwa maneno)
15. Ahadi ya wadhamini:
Sisi Kwa pamoja na kila mtu kwa nafsi yake mwenyewe tunaahidi kwamba tunamdhamini
mkopaji wa mkopo huu na Endapo atashindwa kulipa sisi tutakuwa tayari kulipa deni hilo au
sehemu ya mkopo uliobaki.
Jina……………………………………………..saini…………………………..tarehe……………………………………..
Jina …………………………………………….. saini ………………………….tarehe…………………………………
Jina………………………………………………. saini………………………….tarehe………………………………….
UTHIBITISHO
Mimi/sisi …………………………………...ninathibitisha/tunathibitisha kwamba taarifa
nilizozitoa/tulizotoa ni kweli kwa kadri ninavyojua/tunavyoujua.
Saini ya mwanachama……………………………………………..tarehe ya Maombi………………………………..
MAONI YA MWAJIRI
(sehemu hii ijazwe na Mwajiri kama mwanachama ni mfanyakazi)
Mwombaji wa mkopo huu apewe/asipewe. Kwa sababu……………………..
………………………………………………………………………………………………………………………………………
Cheo ………………………………………….saini ……………………………………………...tarehe……………..
UAMUZI WA KAMATI YA MKOPO
1. Kwa ajili ya mkopo nitakaokopeshwa/tutakaokopeshwa naahidi kuurejesha kwa chama
cha akiba na mikopo cha …………………………………………………………………………..
2. Nitarejesha/tutarejesha kiasi cha shs………………………. (kwa
maneno)………………………………………………………………………………………………………………..
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3. Fungu la kwanza litalipwa siku ya tarehe ……………………na malipo mengine yatalipwa
kila wiki/kila Miezi …………. Hadi deni lote litakapomalizika.
4. Dhamana ya mkopo huu ni ………………………………………………
5. Saini ya mkopaji jina ………………………………….. saini………………………….tarehe…………
6. Saini za wajumbe wa kamati ya mikopo
jina ……………………………………….. Saini ……………………………….. tarehe………………………
jina…………………………………….….. saini ………………………………. tarehe ……………………...
jina …………………………………………..saini ……………………………....tarehe …………………….
8. Ushahidi
Makubaliano haya yamefanyika na kushuhudiwa na wafuatao:
Jina .;…………………………………………………..
Cheo ……………………………………………………
Saini ……………………………………... Na muhuri ………………………..
Jina ………………………………………………………..
Cheo ………………………………………………..
Saini ………………………………….….. Na muhuri ………………
Tarehe …………………………………………………..