Evolution of village community bank groups in Matombo Ward - Morogoro Rural District

dc.contributor.advisorMutasa, Felicianen_US
dc.contributor.authorMkombe, Agnes D.en_US
dc.description.abstractVillage Community Banks (VICOBA) was established in 2003 by District Road Support Program-DRSP to respond to the peoples' problem of income poverty. This scheme is run in a transparent manner and in solidarity by savings and attend capacity building. The objective of VICOBA was to improve living standard of communities along the road corridor, by enabling them to have their own source of capital, which will enable them to establish income-generating activities and maximize the benefits of improved roads. With direct actions that targeted the poor, DRSP enabled the poor to take advantage of opportunities of improved roads by facilitating access to new economic opportunities. The baseline data conducted before the program was established showed that, the economic conditions were very poor (below Tshs 9000 per month), which did not meet all the basic needs necessities and makes savings for investment. The evaluation of beyond road project showed that, after one year the income has improved from Tshs 9000 before the program to 30000 per month. Moreover group members managed to distribute profit of an average of 150,000 Tshs as profit, and remained with some amount to start a new cycle.Therefore savings are among the most important aspects to investment. To come out of income poverty one needs savings to invest in income generating activities. VICOBA program offers beneficial financial services for low-income people and the capacity of managing scarce household and enterprise resources more efficiently, protection against risks, provision for the future, and taking advantage of investment opportunities, for economic returns. (Author abstract)en
dc.description.bibliographicCitationMkombe, A. D. (2005). Evolution of village community bank groups in Matombo Ward - Morogoro Rural District. Retrieved from http://academicarchive.snhu.eduen_US
dc.description.degreeMaster of Science (M.S.)en_US
dc.description.schoolSchool of Community Economic Developmenten_US
dc.digSpecsCreation hardware: Epson Expression 10000XL Color Flatbed Scanner. Creation software: ABBYY FineReader Professional 9.0; Adobe Acrobat Professional 9.0en_US
dc.format.extent3512411 bytesen_US
dc.format.extent5204437 bytesen_US
dc.publisherSouthern New Hampshire Universityen_US
dc.relation.requiresAdobe Acrobat Readeren_US
dc.rightsAuthor retains all ownership rights. Further reproduction in violation of copyright is prohibiteden_US
dc.rightsHolderMkombe, Agnes D.
dc.sourceOriginal format: Bound CED Project Report, Shapiro Library, Southern New Hampshire Universityen_US
dc.subject.lcshSouthern New Hampshire University -- Theses (Community Economic Development)en_US
dc.subject.lcshOpen University of Tanzania -- Theses (Community Economic Development)en_US
dc.subject.otherasset buildingen_US
dc.subject.otherorganizational assessmenten_US
dc.subject.otherrural developmenten_US
dc.subject.otherMatombo Ward (TZ)en_US
dc.subject.otherMorogoro Rural District (TZ)en_US
dc.subject.otherMorogoro Region (TZ)en_US
dc.titleEvolution of village community bank groups in Matombo Ward - Morogoro Rural Districten_US
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