Tanzania (5)

Saturday, 16 January 2016 18:00

Small Enterprise Programme

Small Enterprise loan

BRAC established the small enterprise programme (SEP) in 2008, to financially empower young entrepreneurs who do not have access to formal financial services. SEP offers small individual loans to men and women who are less vulnerable than the microfinance group members. Most clients are now successfully running their businesses and generating employment opportunities for others. Higher economic benefits are indicated through single loans, placing less credit burden on other community members. Members who have successfully repaid their loans are able to expand their businesses by taking further loans. SEP also provides financial support and capacity building to help expand their businesses.

Most of BRAC’s small enterprise clients are now creating employment opportunities through their business initiatives. These results in higher economic benefits through single loans and less credit burden to the community. Some members, who borrowed microloans from BRAC and successfully repaid it with their business profits, are mature enough to take larger loans and expand their businesses in a bigger scale. In such situations, small enterprise programme provides financial support and business knowledge for expansion of their businesses. BRAC is providing credit support to small scale enterprises like small manufacturing businesses of wood and wooden products, trading businesses, carpentry, handicrafts, hotels and restaurants, as well as in agro based sectors like agriculture, poultry and livestock.

BRAC started using mobile money in 2012 by piloting in three branches of Dar Es Salaam as an opportunity to collect loan installment from borrowers by using their mobile handsets, which resulted in reduced cost in operation, and proved to be riskless, convenient and effective.

Since January, 2014 the Small Enterprise Programme (SEP) started using mobile money in collecting monthly installments from the borrowers (Loan repayment) in all 59 branches both in Mainland Tanzania and Zanzibar. BRAC is working with Vodacom Company (Mobile Network Operator MNO) which provides mobile money (M-PESA) services. Currently, about 75 per cent of the current borrowers are using mobile money.

The pilot phase for investment fund has been successful among Tanzanian entrepreneurs, expanding their business in Agricultural (maize) and livestock (poultry) since it’s launching in 2014. Entrepreneurs from Iringa, Mbeya, Dodoma, Arusha and Manyara were supported financially through this process. Due to its success, the first round of the project was launched on March, 2015 in 15 regions of Tanzania. The funds will reach a large number of entreprepreurs and help them in their business investment through the training given to them on business operations and management.  



Saturday, 16 January 2016 00:00


Over the last nine years, BRAC in Tanzania through its microfinance programme has grown to become one of the largest providers of financial services to the poor, providing tools that enable financial inclusion of millions of people, across 18 regions in Tanzania. Through its innovative, client-focused and sustainable approach, BRAC continues to show that microfinance can have a powerful impact on the lives of the poor. The BRAC microfinance programme is a critical component of our holistic approach to support livelihoods.

The microfinance programme is designed to reach out to a large number of clients with cost- effective financial services. A distinctive aspect of BRAC’s microfinance programme is the credit-plus approach, which addresses the special needs of various target populations, such as rural women, adolescents, and small entrepreneurs. Microfinance is at the heart of BRAC's integrated approach to alleviating poverty. BRAC's microfinance programme in Tanzania provides micro loans to women who are not served by other microfinance institutions, giving them the opportunity to operate businesses which sell products or services to their local communities. BRAC delivers micro loans along with other services through village organisations (VOs), an organised group of women who come together to improve their socio-economic position.


Currently the microfinance programme has been operating successfully in 18 regions with 120 branch offices across Tanzania. The credit-plus approach addresses the special needs of rural women, farmers, youth, adolescents, and small entrepreneurs. BRAC provides social education and financial literacy through weekly group meetings. Participants are advised on the best ways to manage their businesses in order to pay back loans efficiently.

BRAC has established strong internal control and corporate governance by following the international standards of its internal audit manual. BRAC’s monitoring department ensures that the programme runs as planned and identifies if there are any kind of discrepancies. Senior staff members also visit groups from time to time to assess situations on the ground. Proper financial reporting is ensured with advanced information technology, and through monitors, auditors and an accounts team. It provides door-to-door services and collateral free loans with group guarantee as well as death benefits for themembers.

The agri-finance products aim at addressing the critical barrier of smallholder farmers in investment and upgrading their agricultural activities and poultry. The loan product addresses and responds to farmers’ investment needs and income flows.

Aside from distributing loans and providing training, BRAC has developed an integrated set of services that strengthens the supply chains of its members' enterprises, giving them access to quality inputs and support in marketing their products.


Saturday, 16 January 2016 18:00

Empowerment and Livelihood for Adolescents

BRAC’s Empowerment and Livelihood for Adolescents Girls (ELA) programme is designed to empower vulnerable Tanzanian teenage girls. The ELA clubs provide safe spaces for them to socialize, and receive mentoring and life skills training. Networks of clubs are active in five regions in Tanzania. BRAC combines this approach with financial literacy training and customised micro-loans, which socially and financially empowers adolescent girls.

The ELA programme focuses on improving the quality of life of adolescents, especially vulnerable girls through the two objectives of social education and financial empowerment. This is done by enabling to protect adolescent girls increase their awareness, knowledge, and developing skills on reproductive health, unwanted pregnancy, early marriage and HIV/AIDS and by promoting awareness on gender discrimination, abuse and all forms of violence, and meaningful participation of adolescent girls in decision making and finally creating income generating opportunities

The objective of this programme is to build confidence and instill a sense of self-worth, encourage positive behavioural changes, and improve the quality of life for these young girls. Many of the older members in the club, who had dropped out of school at a young age, have received training on income generating skills. The programme is designed to socially and financially empower vulnerable teenage girls aged between 11 to 19 years.

Tanzania's ELA programme consists of six components: adolescent girls' club, life skills education, livelihood training, financial literacy, credit support, and community participation. The programme combines innovative livelihood and life skills training with a customised microfinance programme. It combines this approach with financial literacy training, offering customised microloans that contribute to the social and financial empowerment of adolescent girls. This in turn helps to prevent early marriages and leads to a more stable future for the next generation.



Ongoing projects


August 2008 to September 2018

Novo foundation and Whole Planet

BRAC’s programmes for adolescents are designed to socially and financially empower those between the ages of 11-19


Saturday, 16 January 2016 18:00


BRAC’s education programme has become the largest secular and private education system in Tanzania, reaching a number of regions with its education programme.

At the pre-primary school level, it targets underprivileged children to prepare them for mainstream primary school entry. BRAC primary schools are designed to give a second chance at learning to disadvantaged children who have been left out of the formal education system due to extreme poverty, violence, displacement or discrimination. The non-formal primary schools complement the mainstream school system with innovative teaching methods and materials.

At the secondary level, BRAC provides need-based training and student mentoring to improve mainstream education. Under the education programme in Tanzania, it has two components: Pre-Primary School Education (PPE), and Girls Education Challenge (GEC) Project.


Pre-Primary School Education

In Tanzania, It is reported that the net enrolment rate of pre-primary school children (5-6 years) is 33 per cent, which is lower than the average in most developing countries. Approximately 30 per cent of children from poor families transitioned from pre-primary school, but failed to complete primary school. In this context, when BRAC started receiving requests from communities to provide education for their children, BRAC responded by opening 50 community based pre primary schools in 18 branches reaching a total of 1500 students under the age of four in  Iringa, Mbeya, Dar es salaam and Dodoma. The schools are housed within the empowerment and livelihood for adolescents (ELA) clubs where the classes are held in the morning. This maximises usage of space and reduces overhead costs. The mentors of the ELA clubs are trained as pre-primary teachers who also motivate community members to send their children to school.

The overall goal of the pre primary school programme is to make children aged between 5-6 years participate in early learning activities in safe, child-friendly, learning environments in centers, homes and communities and develop their cognitive, emotional, linguistic and numerical abilities to communicate, socialise and learn, and become better prepared for school.


The programme aims to develop para-professional early childhood teachers, trainers, training materials and child-centric learning materials for children's education. It is crucial to provide five-six year old children with safe and friendly learning environments to develop their cognitive, emotional, linguistic and numerical abilities. This will also enhance their socialization and learning skills. Early learning activities would better prepare the children for school.


The Girls' Education Challenge (GEC)

The Girls Education Challenge (GEC) project started in 2013 to support marginalised adolescent girls stay in school and improve their learning. The project is funded by the Department for International Development (DFID).

The project is currently implemented in 20 branches in Dar es Salaam, Mwanza, Shinyanga, Tabora and Singida. The aim is to improve the lives of girls, both in schools, at risk of dropping out and out of school girls.

It includes subject-based tutoring (Mathematics and English) and peer mentoring for girls in government schools who are at risk of dropping out. Study clubs give girls who are out-of-school a second chance at secondary education. Life skills education is provided and community members are sensitised to understand the importance of girls’ education.

GEC has supported more than 7,010 marginalised adolescent girls stay in school or re-enrol and improve their learning. The project aims to improve life chances of marginalised girls in 5 regions in Tanzania through completing a full cycle of education.

The components of the project are:

• Tutoring for in-school marginalised girls
• Mentoring- for students (in school and out of school)
• Tutoring centre for out-of-school girls
• Life Skill Based Education(LSBE) in-school and for out-of school girls
• Teacher (primary, secondary and non-formal) development
• Community Sensitisation

Ongoing projects





Girls education challenge project

March 2013 to March 2016


Improving life chances for marginalised girls

Pre primary schools

April 2012 to March 2015


The overall goal of the pre- primary school programme is to make children aged between 5-6 years participate in early learning activities in safe, child-friendly, learning environments and develop their cognitive, emotional, linguistic and numerical abilities to communicate, socialise and learn, and become better prepared for school.

Saturday, 16 January 2016 00:00

Agricultural and food security

Agriculture is the core income generating activity in Tanzanian economy. Agriculture (including Livestock) provides livelihood, income and employment to over 80 per cent of the population. In Tanzania, BRAC started its agriculture programme funded by Bill and Melinda Gates Foundation in 2007 in order to increase income at farmer level, create employment opportunities and improve agricultural productivity through technical support to farmers. For successful implementation of the overall agriculture programme, BRAC has collaborated with national and international agriculture research organisations. It continues to address numerous challenges in terms of-cropping patterns, geographical barriers, quality inputs, market linkages, difficulty in reaching farmers living in extremely remote areas and risks of natural calamities due to climatic changes.

The agricultural sector is a major contributor to Tanzania’s GDP and provides employment to more than one quarter of the population, and remains an area where significant achievements can be made with small undertakings[1]. However, cultivable land in Tanzania is limited to only 4% of the land area and although it’s ranked third in Africa after Sudan and Ethiopia, livestock husbandry does not suffice majority of the rural population. As a result, food insecurity is a significant factor in hampering progress towards Tanzania’s Vision 2025 and MDG1 targets”

BRAC through its Global Poverty Action Fund (GPAF) and Livelihood Enhancement through Agricultural Development (LEAD) projects address this gap by scaling up its women-oriented agricultural programme and provide quality, affordable agricultural inputs and training at the community level so as to improve agricultural productivity, food security, and income of the small and marginalised farmers.

BRAC’s agriculture programme builds capacity of farmers. It promotes the use of efficient farming techniques and proven technologies, linking them with market actors. BRAC produces and markets quality seeds at fair prices. Research is conducted to develop better varieties of seeds and agricultural practices. Credit is offered to support poor farmers.


Poultry and Livestock

BRAC started its poultry and livestock programme in Tanzania in 2007, funded by Bill and Melinda Gates Foundation. The objectives of the programme were to increase income at the farmer level, create employment opportunities and improve livestock productivity and provide technical support to the poultry and livestock farmers. The poultry and livestock programme operates through its cadre of self-employed volunteers, community livestock and poultry promoters (CLPP) comprising of women who are experienced in rearing livestock and poultry.  After selection, BRAC extensively trains them in livestock husbandry, health issues, vaccinations, and the production and conservation of fodder crops. Once trained, they generate income by charging farmers a fee for their services and consultation. 

BRAC’s poultry and livestock programme aims to promote improved practices and modern technologies amongst poultry and livestock farmers. Through capacity development, boosting livestock productivity and reducing mortality to provide them with a supply of high quality inputs, and management of small and medium farm enterprises. BRAC also produces and markets day-old chicks, poultry feed and bull semen at fair prices. Poor farmers are given credit in the form of loans as support.

The phased out GPAF project funded by UKaid succeeded to provide quality, affordable livestock inputs and training at the community level with a special focus on women. The aim of the programme was to help poor farmers in Tanzania increase their livestock productivity and income. Under the GPAF livestock programme, BRAC provided training and input supply to community livestock promoters (CLPs) on poultry vaccination and basic treatment of poultry and livestock. Training and supply of inputs were provided to key poultry rearers, livestock farmers, artificial insemination (AI) service providers and traders. Demonstration farms, both layers and broilers are established in peri-urban areas to promote layer and broiler rearing in order to get better profit and disseminate the technology to other farmers.


GPAF project

BRAC started the Global Poverty Action Fund (GPAF) project supported by DFID in 20 branches through the agriculture and livestock programme, to provide quality and affordable agricultural inputs and training at the community level with a special focus on women while helping poor farmers increase their agriculture productivity and income.

Under GPAF agriculture, training has been provided to community agriculture promoters (CAPs) on crop cultivation and management and they have received inputs such as seed and fertilisers to start their income generating activities. To support the rural farmers, majority of whom are females, BRAC has provided training on crop production, technology and improved grain storage techniques. Kitchen gardeners have been trained on improving management and practice of different vegetable production. BRAC has also trained farmers on horticulture nursery. BRAC Tanzania has taken on a new innovative technique of a crop demonstration project, to promote improved farming practices and disseminate modern agricultural technologies amongst community farmers. 


LEAD project

BRAC launched the livelihood enhancement through agricultural development (LEAD) project in Tanzania on 23 April, 2013. It is a four year project implemented and funded by DFID. LEAD project is aiming to improve the household income of more than 105,000 rural, poor and small farmers (65 per cent women) in the poultry and maize subsectors in 40 branches under 15 regions in Tanzania. LEAD project follows an approach of Marking Markets Work for Poor (M4P). The project aims to increase the overall access of inputs and technologies among poor farmers, and improve their performance in maize and poultry market system both of which are highly relevant to Tanzania’s rural poor.

LEAD project is targeting the poor, small and marginal farmers in the market system through coordination, and partnership with ongoing interventions to bring about large scale systemic change. The project outputs are:

  • improved agronomic practices and application of agricultural technologies by developing improved market access (both input supply and market linkage)
  • improve access to finance (support small scale loans for working capital and investments, appropriate financial for farmers) and stimulating private investment in the value chains

After the successful implementation of its inception phase on September 2013 in 10 branches, the project has extended its operation to all 40 branches. The project has provided capacity building training to general farmers, lead farmers, demo farmers and community poultry promoters.. BRAC provided trainings to selected agro dealers/agro vets to improve their understanding and application of proper business and management skills in running sustainable businesses. The LEAD project also organised value chain facilitation workshops between producer group, government and private sectors with the purpose of developing effective market relationships.

Greater awareness through training and facilitated linkages with traders has given farmers better access to non-local markets. Most significant is the large increase in the incidences of farmers finding buyers and transporting their own poultry products. Since the training, the percentage of farmers using these methods has more than doubled. Access to non-local markets has also increased by a significant amount, from six per cent to over 11 per cent. For maize, all sales methods have significantly increased amongst farmers from 1.2 percent to 8.4 percent.

The project has managed to develop partnerships with a number of private sector companies from poultry and maize sectors and is working together to make their inputs and services available at a smallholders level. LEAD team is maintaining regular communication with the partner companies and key persons to ensure planned activities are in progress. Moreover, the team also explored new companies relevant to maize and poultry sectors for linkage purposes.

LEAD summary report - 2013 - 16