A Non Government Organisation (NGOs)

HEAD OFFICE

P.O BOX 72 Biharamulo Tel :+255 28 2225173/2225085 Tanzania Fax : +255 28 2225001/2225052 E-mail: [email protected] Cell : +255 28 784 784906/788 369136

A registered Charity: No. SO 8485 FAIDERS PROFILE.

1.0 BACKGROUND Facilitation for Integrated Development and Relief Services, in short FAIDERS, is a membership local Non – Governmental Organization (NGO) registered as a charitable organization on 1/09/1995 with registration No. SO 8584. It is guided by her constitu- tion for management and control of its affairs .FAIDERS was founded by 11 members and to date the number has risen to 18 persons composed of 12 men and 6 women.

Structurally, FAIDERS members form the General Assembly that meets twice a year. The General Assembly delegates powers to the Board. Presently the Board is composed of 9 members (6men and 3 women) to oversee the management and other FAIDERS op- erations. It meets 4 times a year.

FAIDERS is staffed with 16 employees and headquartered in Biharamulo where the per- manent offices are located. It also has a service center in Karagwe District to bring ser- vice closer to the community in terms of outreach and monitoring operations. In Bihara- mulo, FAIDERS’ office is situated about 300m. from the main Bus STAND within the township near Biharamulo R.C. Parish. Please see the sketch map below:-

3.0 VISION ♦ “To have a confident, self motivated and poverty free community”.

4.0 MISSION STATEMENT ♦ “To facilitate a sustainable development process towards improved socio – eco- nomic living standards of the community”. ♦ Reliability, honesty and transparency ♦ Exemplary staff personality

♦ Competency, hard work and commit- ♦ Teamwork ments ♦ Respect and self-esteem ♦ Motivated staff

♦ Punctuality ♦ Efficiency and customer care

♦ Integrity ♦ Collaboration

♦ Patriotism and voluntarism

6.0 MAIN OBJECTIVES In order to operate within its Vision, Mission and maintain its core values, FAIDERS is targeting to achieve the following objectives. ♦ To promote rural community in the fields of economic, environment and financial ser- vices as well as other activities related with the improvement of peoples living condi- tions. ♦ To facilitate the reduction of poverty through individual household by participating in the Savings and Credit activities in their respective groups. ♦ To facilitate the sustainability of Savings and Credit Associations through financial mo- bilization locally and improved governance practices. ♦ To facilitate the rural community in fighting poverty through training in entrepreneur- ship skills so as to utilize the locally available resources for development and undertake economic activities. ♦ To mainstream gender, HIV/AIDS and other crosscutting activities that add value to the Savings and Credit programme as a core activity.

7.0 AREA OF OPERATION AND TARGET GROUP ♦ FAIDERS is operating in all districts of Kagera Region namely: Bukoba, Muleba, Karagwe, Ngara, Biharamulo, Chato, Missenyi districts and part of Geita District in Mwanza Region. ♦ FAIDERS is focusing on rural financial service provision by targeting the rural commu- nity with low and middle earnings. The categories of the rural community are identified by the main activities they do for their livelihood. ♦ The target groups in the coverage area include small farmers, livestock keepers, fisher folk, small scale entrepreneurs, beekeepers and low cadre civil servants such as teachers, nurses, drivers, office attendants and others. ♦ They are organized into groups officially known as Savings and Credit Associations (SACAs) whose members range between 15 and 50 persons each SACA.

8.0 MODE OF OPERATION ♦ FAIDERS facilitates SACAs in building their capacities through training, establishment of leadership and writing of constitution for enabling SACAs to exercise ownership and function properly. ♦ SACAs mobilize their own financial resources in terms of shares, entrance fees, and compulsory/ voluntary savings. ♦ The mobilized fund is borrowed by members for engaging in both economic and social activities. When more money is needed then FAIDERS comes in by extending additional funds to enable an individual SACA to meet its members’ growing demands.

9.0 CURRENT STATUS ♦ To date (2008) there are 183 SACAs comprising of 3557 members (2149 males and 1408 females). FAIDERS’ interlending fund amounts to Tsh. 278,000.000.= and the total loans distributed since 1998 amounts to Tsh. 1,033,028,835/=.

10.0 SERVICES OFFERED FAIDERS microcredit services delivery is through Savings and Credit operations by offering to clients the financial and non – financial services.

FINANCIAL SERVICES NON – FINANCIAL SERVICES

a. Provision of loans for increasing associations’ a. Community mobilization and formation of new lending capital. associations. • Dissemination of information to the community • Managing an interlending loan facility by on the Savings and Credit systems. topping upon individual association’s own • Organizing meetings at community level and capital for onward lending to individual physical visits to organized groups with members. facilitation of local leadership.

b. Outreach and advisory support. b. Capacity building. • Offering regular extension services to Savings • Conduct training at the association level to and Credit Associations to provide guidance, increase capacities and competencies of both advisory and monitoring support. leaders and members. • Visits made to each association during • Leaders’ trainings involve Board, treasurer, members’ monthly meetings. supervisory and education committees’ members. c. Auditing of associations’ books of accounts. c. Partnership building, networking and linking the • Facilitate annual auditing of associations’ associations with other partners. books of accounts to enable the members • FAIDERS organizes networking forums for know the financial position/status of their itself and associations and facilitate exchange association. visits among associations in order to share • The report helps members to make appropriate experience and learn from each other as a means decisions for future improvement in terms of of improving performance. operations and performance. • It also plays an intermediary role by linking Savings and Credit Associations with other development partners for collaboration purposes at local, district, regional, .national and international levels d. Supply of standard books and papers of d. Environmental conservation. accounts. • It is a subsidiary undertaking to promote • Funds collection and disbursement forms agro – forestry practices. • Receipt and payment vouchers • Carry out watershed conservation and • Ledger cards management as well as regeneration of natural • Passbooks vegetation • Cash analysis books e. HIV/AIDS Issues. • HIV/AIDS Work Place Programme • External mainstreaming of HIV/AIDS

11.0 EXPERIENCES FROM PREVIOUS ASSIGNMENTS ♦ In 2005 FAIDERS was contracted by the Smallholders Dairy Support Programme (SDSP) to build capacity of Dairy farmers in Kagera Region. ♦ The objective of the assignment was to build capacities of 24 Diary Farmers Associations (DFAs) in the areas of general record keeping, conflict management, leadership and management skills, basic book keeping and development of Savings and Credit Associations. ♦ The assignment lasted for six months but it was extended for another six months in order to con- solidate and strengthen the functioning of DFAs. ♦ In the second assignment, emphasis was on governance, management of SACAs, setting up ac- counting systems and procedures as well as writing of three years (2006 – 2008) Business Plans for each DFA.

12.0 COMPETENCIES FAIDERS has, in the last 9 years, registered note worthy successes in savings mobilization and credit delivery and recovery systems. In so, doing its staff has gained competencies in:- ♦ Community mobilization by organizing and facilitating relevant meetings involving all stake hold- ers at the community level. ♦ Formation of groups, setting up administration and management systems and formalizing leader- ship. ♦ Writing of constitution and establishment of record keeping systems as well as developing rules and regulations for the members and leaders accountability. ♦ Facilitation and training on management systems, development principles, governance, account- ing, strategic planning, business planning and budgeting as well as entrepreneurship skills. ♦ Networking and linking with relevant development partners for exchange of experience and learn- ing from each other. • Building the capacity of institutions/associations at community level to enable them to carry out the roles and responsibilities of co – ordination, facilitation, monitoring and evaluation for these institutions to operate sustainably.

13.0 ORGANIZATION CAPACITY 11.1 OFFICE ASSETS: ♦ FAIDERS has a permanent office which is equipped with basic assets including two motor vehicles, three motor cycles, ten computers, furniture and fittings, generators and other office equipment. ♦ The service center in Karagwe is also equipped with necessary office equipments.

11.2 STAFF RESOURCES AND CAPACITY ♦ FAIDERS has a total of 16 staff out of whom 11 are professionals in various expertise and the remaining 6 are support staff including office secretaries, drivers, watchmen and volun- teers. ♦ The summary of staff specialization , expertise and experience is shown below:-

NO NAME OF EXPERTISE/SPECIALIZATION EXPERIENCE STAFF 1 Christian Bya- Administration and management of credit programmes; mungu Establishment and moderation of groups; Resource mo- bilization; Peace/confidence building; Legal advisory support; Project design and proposal development; 20 years Leadership skills development; Humanitarian and relief aid management. 2 Leon Kassano Finance and administration; Co-operative society man- agement; Savings and Credit systems management; Community mobilization; Co-operative auditing and inspection 28 years 3 Ahmad Kisili Project co–ordination ; Project planning, monitoring and evaluation ; Community management capacity building ; Community training manual development ; 26 years Savings and Credit systems management ; Strategic planning and business plans; Logical framework analy- sis. 4 Deo Tindyebwa Secondary School teaching; Cargo tolling and account- ing; Management of information technology; Commu- nity mobilization and management of rural microcredit 24 years programme; Accounting and auditing of Savings and Credit Associations; 5 Edwin Mugarula Community mobilization; Capacity building and man- agement of Savings and Credit schemes; Personnel management; Computer programming and design; Loans evaluation and assessment. 11 years 6 Nusura Kinyunyu Accounting (Cashier); Secretarial services; Monitoring of rural microcredit schemes; Auditing of Savings and 9 years Credit Associations. 7 Pili Mkaka Secretarial services; Farmers outreach services; Com- munity mobilization in rural microcredit progamme; Accounting in Saving and Credit Association; Capacity 12 years building and management of rural Savings and Credit schemes as well as loans evaluation and assessment. 8 Benedict Katonda Primary school teaching; Savings and Credit Co- operative Societies (SACCOs) management and ac- 7years counting. 9 Liberata Gerald Microfinance cashier and accounting 8 years

10 Mecktilda Marco Secretarial services; Computer programmes application 10 years skills in Ms word, excel, publisher, data base, power point and internet.