The Isimani SACCOS was started in 2013 with 66 members. They
now have 57 active members. The
membership consists of 35 women and 22 men.
17 officers and board members of the SACCOS and AMCOS were present.
A total of TZS 49,200,000 (or about $21,800) was loaned last
year. Of this, 21,400,000 TZS was from Internal SACCOS funds and TZS
27,800,000 was from loans from the Iringa Hope Joint SACCOS. A total of 33 loans were made. The average loan was for TZS 1,490,000 (or
about $660 per loan). The loan
repayments have already started and TZS 1,020,000 has been repaid to the Iringa
Hope Joint SACCOS.
The AMCOS was registered in 2018 and is a member of the
Joint AMCOS. There are 30 members of the
AMCOS. Of the 30 members, there are 13
men and 17 women.
The AMCOS operates a five-acre farm. The farm has three acres of maize and two
acres of sunflowers. An insufficient
amount of fertilizer was used and only ten bags of maize were harvested from
the three acres of maize.
Venance Msigala gave a presentation on how the AMCOS and the
SACCOS would work together. Again there
were many questions. One of the AMCOS
members asked about whether the SACCOS and AMCOS work separately? Are they separate organizations, or do they
work together? Ascriti Msemwa, the
Chairwoman of the SACCOS directed her answer to the member. It was clear that she understands the
organization very well. It appeared that
some of the misunderstanding is as a result of their AMCOS making loans of
fertilizer, separate from the SACCOS.
Sisto Uhagile, the Chairperson of the AMCOS said that the
AMCOS members are new, so they are looking for direction. They lack funds at this time.
Rinusi Ngoro, the Chair of the SACCOS loan committee, said
that there had been problems with AMCOS members taking out loans for fertilizer
from the AMCOS and not paying the money back.
He felt very strongly that all AMCOS members should also be members of
the SACCOS, and take their loans from the AMCOS.
Consolata Mng`Ong`O, the Secretary of the SACCOS agreed that
all AMCOS members must become members of the SACCOS. Sisto Uhagile, the Chairman of the AMCOS
stated that the AMCOS is new, and that the registration process should be
stopped until all AMCOS members become members of the SACCOS.
There was another question about why members needed to pay
for shares and fees in both the SACCOS and the AMCOS. We responded that those are rules of the
Tanzania Cooperatives Development Commission and not rules made up by our
SACCOS and AMCOS. Sisto Uhagile, the
Chairman of the AMCOS stated that the members understand that they need to
become members of the SACCOS, however they may not be able to pay for the fees
and shares of both the SACCOS and the AMCOS at the same time.
Peter Silayo asked what fertilizer members are using. Ascriti Msemwa, the Chairwoman and Rinusi
Ngoro, the Chair of the SACCOS loan committee responded that they use cow
manure. We are still working to help
members recognize the value of using inorganic fertilizer with organic fertilizers
such as cow manure.
Rinusi Ngoro, the Chair of the SACCOS loan committee stated
that they had previously bought from distribution and were promised low prices,
but ended up with high prices for the supplies.
He said that if you want to help us, we need low prices for
supplies.
Ngoro went on to say that there is no market for their
crops. After further discussion, when
members say that there is no market for their crops, they mean that when they
want to sell their crops, middlemen do not show up in the village to buy their
crops. It does not mean that there is no
market anywhere. However it does mean
that members need to find ways of transporting their crops to the location
where buyers are located. This is
exactly the solution that the staff at Iringa Hope is proposing. The staff is identifying buyers who buy
regularly and reliably, and is developing plans for the AMCOS to arrange for
contract trucking to collect the grain from villages and to deliver the grain
to buyers.
Having answered all the questions, we began our first interview
with Sophia Chambo. Sophia is 32 years
old and has been a member of the AMCOS for one year. She has three children. Her children are two boys, 16 and 13 and one
girl who is 10 years old.
Sophia farms five acres of maize, sunflowers and groundnuts. Of the five acres, two acres are owned and
three acres are rented.
So far, she has used local seed and has used manure as
fertilizer. She said that the AMCOS has
been very helpful, helping her to understand better farming practices. She intends to begin using hybrid seeds and
organic fertilizer. She says that she
and her husband farm together and contract for the use of oxen to plow the
land.
Our next interview was with Rinusi Ngoro, who is also the
Chair of the loan committee. Rinusi is
52 years old and has been a member of the SACCOS for three years. He farms 20 acres. He raises 10 acres of maize and 10 acres of
sunflowers. He also has a shop, selling
domestic supplies. He has six children,
two girls and four boys. The children
range in age from 32 years old to 11 years old.
Rinusi’s first loan was for TZS 900,000 to purchase fertilizer and inventory for his
shop. The weather was not good that year
and his income was TZS 500,000 from his maize and TZS 500,000 from his
shop. From this income, he repaid his
loan and was left with TZS 100,000 of profit after repayment of his loan.
He has savings of TZS 300,000, so the maximum loan he is
able to obtain is TZS 900,000. So his
second loan was also TZS 900,000 to purchase DAP and CAN for four acres. He used 35 bags of fertilizer for maize and
20 bags of fertilizer for sunflowers.
His income from farming was TZS 1,400,000 so his profit was TZS 500,000
(or about $221) after repaying his loan
His third loan was for TZS 900,000 again, for DAP and CAN
fertilizer for his 10 acres of sunflowers.
His harvest is not yet complete, but he expects to harvest 35 bags of
sunflowers.
Rinusi explained that when he said there was no market, he
really meant that no middlemen had come to the village. He said that last year the price for
sunflowers was TZS 50,000 per bag. This
year the price is TZS 35,000 per bag.
He said that last year the price for maize was TZS 60,000
per bag. This year the price is TZS
35,000 per bag.
He said that the middlemen only show up when the price is
low. No middlemen show up when the price
is high.
He said that the original AMCOS is still in existence, but
the repayment rate from their members is very slow.
Rinusi said that his objective is to earn enough money to
put his children through school, expand his shop business and to rent more land
to expand his farming.