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Rural Financial Services Programme (Tanzania)


Titre : Rural Financial Services Programme (Tanzania)

Pays : Tanzanie

Durée : 2000 - 2009

Institution initiatrice : International Fund for Agricultural Development (IFAD)

Emprunteur : United Republic of Tanzania

Organisme d’exécution : Ministry of Finances

Who are the beneficiaries ? The Rural Financial Services Programme (RFSP) will target the rural poor, consisting of marginal farmers (possessing 2-3 acres of cultivable land), the landless, and women who are already members or intend to become members of rural solidarity groups and grass-roots microfinance institutions (MFIs) such as savings and credit cooperatives (SACCOs), savings and credit associations (SACAs) and village banks. The target group suffers from malnutrition, food insecurity and lack of income-generating opportunities. Institutional beneficiaries are institutions at the grass-roots level such as MFIs, local non-governmental organizations (NGOs) and the private-sector training service providers (TSPs), that will be directly involved in providing critical and essential microfinance services to the poor in rural areas.
Why are they poor ? The causal factors of poverty in the programme area are numerous – economic, social and political. However, poverty is largely due to the past policies of the government, which had built-in biases to exclude the poor from accessing the microfinance services provided by formal financial institutions. Poverty can in large part be attributed to : (i) lack of training, information and access to financial resources, which inhibit the poor from engaging in potential income-generating activities ; (ii) absence of an appropriate institutional framework and conducive policy environment (e.g., savings and lending rates, national microfinance policy) to empower the poor to save, invest and assume decisionmaking responsibilities within the MFIs ; (iii) strict legal formalities and traditional customs that prevent women (as they cannot be heads of family) from becoming members of MFIs ; (iv) women’s lack of tangible physical assets, which disqualifies them from satisfying the prescribed collateral requirements for obtaining credit, and their inadequate financial resources, which preclude them from paying high membership fees ; and (v) lack of initial seed capital needed to build up the asset base of the poor.
What will the proposed programme do for them ? The programme is designed to enrich the poor by enhancing their social bargaining and access to financial resources. In specific terms, the programme will : (i) empower the rural poor by removing legal, regulatory and social barriers that prevent their active participation within MFIs ; (ii) provide the target groups with demand-based training to enhance their business and technical skills, so that they can manage their farm and non-farm operations efficiently and effectively ; (iii) support the design and development of a comprehensive financial system at the grass-roots level, which will be owned, operated and managed by the members of the MFIs, under the prudential regulatory norms of the Bank of Tanzania (BOT) ; and (iv) provide the rural poor with increased access to various financial instruments, such as working capital, term loans and lease funds to expand their incomeearning and employment-generation opportunities.
How will the beneficiaries participate in the programme ? An intensive participatory and consultative process guided the programme design during all stages of the project cycle. It consisted of a participatory rural appraisal (PRA) exercise, stakeholders’ workshops, focus group discussions, and formal and informal interviews in order to reflect the felt needs and constraints of the beneficiaries and the measures needed to resolve these issues during implementation. The following institutional mechanisms and modalities will be used to realize this objective : (i) the MFIs (SACCOs, SACAs and village banks) will be organized and supported according to a demand-driven approach ; (ii) a board of directors, elected and appointed by the members will govern, administer and manage the MFIs ; (iii) specific measures and criteria will be used to ensure a certain percentage of women’s participation in MFIs, including in the decision-making process ; and (iv) participatory monitoring and impact analysis will be carried out so that the need

Partenaire (s)  : United Nations Office for Project Services (UNOPS) ; OPEC Fund ; Swiss Agency for Development Co-operation

Informations financières
Coût total du projet : US$ 23.8 million
Montant du financement IFAD : US$ 16.3 million
Swisss Development Corporation : US$ 2.2 million
Organizatioin of the Petroleum Exporting Countries Fund for International Development (OPEC Fund) : USD 2.2 million
Contribution de l’emprunteur : USD 2.7 million
Contribution des bénéficiaires : USD 0.4 million


President’s report

Page publiée le 15 juillet 2016, mise à jour le 10 juillet 2018