Fisheries Co-Management Programme
A BRIEF PRESENTATION ON VICOBA MODEL
Our Experience in Rufiji Mafia Kilwa Temeke & Mtwara
VICOBA
Origin of VICOBA
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VICOBAs are savings and credit groups organized and
run by a group of 15-30 people.
Started in 1991 in Niger West Africa by CARE
International. The concept wa successfully transferred
to India and Bangladesh, Uganda, Eritrea, Mozambique
& Zimbabwe
In 2000 it was introduced to Tanzania, Zanzibar
(Jozani-Chwaka Conservation Project) by CARE Int.
and later introduced to Pemba and Tanzania Mainland
in 2002.
Experience of VICOBA
under Fisheries CoManagement Program
2006 WWF-RUMAKI Seascape
Programme adopted VICOBA modal
Trained 15 district extension officer to
trainers of VICOBA Kilwa 5, Mafia 5
& Rufiji 5
2007 Trained 21 Community Based
Trainers
By end of 2007, 63 groups were
established (4 under NORAD Support
in North Delta)
By end of 2010, 10 more groups were
established through EU support total
number of VICOBA was 73
VICOBA Progress FY 10 - FY12
Member access financial services :
Saving & loans
Savings
Loans
2010: 205,309
301,809
2011: 544,425
963,745
2012: 728,000
1,520,519
VICOBA Status FY 13 (as at Dec 2013)
District
No. of
Groups
Members
Men
Women
Total
Savings
Mobilised
USD
Loan
Disbursed
USD
Rufiji
31
338
380
718
16,731
53,849
Mafia
89
767
1,427
2,194
232,415
433,708
Kilwa
45
321
842
1,168
110,434
203,733
Temeke
13
88
260
348
6,455
588
Mtwara
9
75
175
250
5,548
3,179
1,589
3,089
4,678
371,572
695,056
Total
187
Why VICOBA modal
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100% Community ownership
High level of transparency and simplicity of financial transaction
Promote accountability among the group
Enhance good governance
Rules and regulations are set by members and mutually agreed
upon. Like how much to save per week, when to end a savings &
loan cycle procedures are transparent
Flexible in its operation in a sense that it can link with other
social economic activities including forest, marine conservation
and health issues
Strong sense of ownership of group resources and outcomes
Weekly meetings enhance activeness and timely loan
repayments
Why VICOBA
modal
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Profit gained is ultimately
shared to members
Not conflicting with other
schemes
Is a participatory
methodology in its
procedures
Act on built behavior and
transform them for better
Less paper work to access
loan
Benefits of VICOBA
What are the Challenges
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High demand for livelihood technical skills
Demand on Training on VICOBA management
Lack of VICOBA self coordinating body
Low business and entrepreneurial skills
Changing from typical rural to semi urban setting
Opportunities
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Secured fund for training on livelihood technical skills
training and business training
Trained more Community Based Trainers CBT to
meet demand of VICOBA management training
5 district VICOBA coordinating bodies are in process
of formation
Demand for consumer good stimulate growttuktukh of
small business majority of VICOBA members are
engaged. Eg Mobile money transfer, retail shops, motor
bike taxis,, buying & selling fish
Mwamko VICOBA group Cerebrated a 5th
Saving & Loan Cycle 29 April 2014
Mwamko VICOBA Comparison Cycle 4 & 5
Year
Loan
cycle
Savings
USD
Social
Fund
USD
Loan
Disburse
d
Number
of Loans
to
Women
Numbe Interest
r of
earned
Loans USD
to Men
Aver
age
loan
USD
2011
4
15,114
911
20,179
36
20
2,067
360
2014
5
18,725
1,432
41,358
63
31
4,102
440
Asanteni
Thank You