Evaluation of DESCOBA's savings and credit scheme, Temeke Municipality

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Southern New Hampshire University
This project on Evaluation of DESCOBA's Savings and Credit Scheme was carried out in 9 wards in Temeke and Mkuranga Districts (where DESCOBA is currently operating) from September 2005 to January 2007. The project goal was to evaluate DESCOBA's Savings and Credit Scheme while three specific objectives were worked upon. A Community Need Assessment carried out, identified a number of factors that adversely affected DESCOBA members and leaders. These includes: - lack of capacity in business skills, lack of knowledge and skills on project write-up, low funding capacity to respond to increasing demand for loans from the NGO members and lack of premises to conduct their business. The results of this work show that community involvement in planning and management of savings and credit scheme was good and loan retirement rate was excellent with default rate of 2%. However loan demand was higher than what the NGO could supply leaving the gap of 67% un attended. The level of education was generally low hence working in-groups of five people with different talents and background was necessary in order to complement each other. Monitoring plan was developed and implemented to ensure the study performance meets set goal and objectives. This was done throughout the period in order to track changes together with the NGO leadership and members too.Record review, focus group discussion and observation methods were used to evaluate the progress and impact of the scheme on regular basis. Evaluation process also involved assessment of the achievement of three objectives. Sustainability of the NGO scheme was a primary concern of the CED consultant in order to determine long-term impact and to what extent it could run itself for the future in view of the changing environment (Political, financial and social circumstances). In order to ensure future sustainability, the CED consultant together with the NGOs' leadership developed a proposal on fund raising skills training for 280 people currently involved in NGO's savings and credit scheme. (Author abstract)