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Table of ContentsList of Abbreviations................................................................................................................................................ 3
Executive Summary.................................................................................................................................................. 4
Grants.......................................................................................................................................................................... 5
Small and Medium Enterprise Competitiveness Facility (SCF)........................................................6
Tanzania Private Sector Foundation (TPSF)..........................................................................................10
Southern Agricultural Growth Corridor of Tanzania (SAGCOT)...................................................12
Alliance for a Green Revolution in Africa (AGRA)................................................................................14
Africa Enterprise Challenge Fund (AECF)....................................................................................................16
Loans......................................................................................................................................................................... 19
FINCA-TANZANIA.............................................................................................................................................. 19
National Social Security Fund (NSSF)....................................................................................................... 21
Entrepreneurs Financial Centre (EFC)..........................................................................................................24
APPENDICES............................................................................................................................................................. 26
Appendix I.............................................................................................................................................................. 26
Appendix II............................................................................................................................................................ 29
Appendix III.......................................................................................................................................................... 31
Appendix IV........................................................................................................................................................... 42
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List of Abbreviations
SCF Small and Medium Enterprise Competitiveness Facility
AECF Africa Enterprise Challenge Fund
SAGCOT Southern Agricultural Growth Corridor of Tanzania
AGRA Alliance for a Green Revolution in Africa
TPSF Tanzania Private Sector Foundation
EFC Entrepreneurs Financial Centre
NSSF National Social Security Fund
BDS Business Development Services
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Executive Summary
The aim of this study was to assess various relevant sources of finance for Small and
Medium Size Enterprises (SMEs) engaged in agri- food sector. The study involved review
and analysis of grants and loans from various institutions. Specifically the study focused on
grant providers namely SCF, TPSF, SAGCOT, AGRA and AECF. Few selected institutes were
further visited to assess the loans facility program offered. They include FINCA-Tanzania,
NSSF and EFC. In what follows, the major findings from the study are summarized.
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An Overview
Agriculture is a very important sector in the economy of a country. There are private and
government institutions that provide various grants to ensure the success of the
agricultural businesses. Unlike loans, grants need not to be repaid.
There is a range of grants and financial assistance projects that are open to entrepreneurs
and business owners. Grants provide an important source of funding for various business
entities. The money can be used in a variety of ways so long as all terms and conditions are
adhered to. The requirements for eligibility may vary, but one thing’s for sure; there are
several grant funds which are up for grabs every year.
While the simple fact is that grants are free money to complete a set task, SMEs must
understand that grants are very competitive and sometimes take a lengthy process to
acquire it. Grants often come out with a set of rules and sometimes they tend to demand
certain activities must be included in any project to be funded, which may increase firm’s
expenses.
To determine if the firm is eligible for a particular grant, it is important to read all the
information provided about the grant the firm wishes to apply for and the agency who is
awarding the money. The funds must be used effectively and economically, and the
expenses must be essential for the activities for which the funds were awarded. Funders
like to give grants to people who are committed to what they are doing, not people who will
only do it if a funder gives them the money to do it.
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Small and Medium Enterprise Competitiveness Facility (SCF)
Background
The SME Competitiveness Facility (SCF) is a matching grant opportunity for businesses in
Tanzania that wish to develop their ability to trade and export. The SCF aims to support
product quality improvement and the meeting of international standards to enable SMEs
with potential market development within and outside Tanzania plays their potential roles
of contributing to economic growth, employment creation and the reduction of poverty
SCF welcomes matching grant requests from SME food processors and marketers, as
individual companies or as clusters and associations
The Size of the Grant
The size of the grants will range between TSH 10m (ten million Tanzania Shillings) and
TSH 100m (one hundred million Tanzania Shillings) per request. Under exceptional
circumstances, an SME may request follow-on grants that in sum go beyond the ceiling of
TSH 100m; these requests will be considered, weighing the projected impact of the
initiative and the availability of SCF funds to continue supporting other proposals of high
merit.
Activities Supported by SCF
1. On a proactive basis, i.e., activities initiated by the SCF to facilitate food SME
development
Market assessments/surveys of BDS Market survey, baseline studies, and
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providers mapping of potential SMEs
Impact assessments Reviews of available technologies or cutting
edge management principles that are
directly applicable to SMEs in Tanzania
Awareness creation among SMEs of
importance of ICT, other technologies
Creation of manuals for provisions of export
marketing services
Creation of a database of BDS providers Creation of a database of export financing
institutions
Creation of a database of SCF supported
SMEs and associations
Creation of a database of quality
certification authorities, laboratories
2. On a demand-driven basis (ie, activities initiated by SMEs and BDS providers)
Technological transfer and innovation Product and/or process
development/diversification
Product standardization Production management
Quality assurance MIS development
Packaging Market research
Marketing strategies Trade fair participation
International standard certifications Match making
Value chain management Network creation
Other – on the specific approval of the SCF
Activities which are not supported by SCF
Purchase, construction or lease of buildings; Down payment of loans; repayment of
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purchase or lease of land, vehicles &
equipment
debts, bridging funds; loan capital
Endowments & scholarships Political parties
Projects or activities, which have already
been finished
Projects that provide grants to other
organizations
Organizations that are in a significant debt Salaries and honoraria for the SME's paid
staff
Income-generation / Micro-finance
activities
Unanticipated costs (contingencies)
Applications that are incomplete, not
honest, or not transparent enough
Approved activities which have
misappropriated funds during
implementation
Eligibility of Applicants
The Applicants should be:
SMEs engaged in food processing and/or food marketing;
Clusters of Food SMEs in the same geographic area or industry, including
Associations of food processors, etc.
For consortium Organization
A consortium of eligible organisations may submit Applications, provided that the basis
and membership of the consortium is clearly identified.
Applicant organizations must:
Be registered as a business or association;
Have a bank account;
Have a written constitution, memorandum of understanding; and
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Where an Applicant is a branch of a larger organisation, these requirements will
apply both to the branch and to the larger organisation.
Assessment Criteria
The SCF Board will assess eligible applications on a competitive basis against the
established criteria. Some aspects of the eligibility criteria are outlined below:
The initiative should make an Effective Contribution to the SCF Objectives
In making this assessment, preference will be given to initiatives from Food
Processing and Food Marketing SMEs.
The initiative should be well designed
The design should be realistic.
Capacity of the applicant to implement the initiative successfully
The applicant SME or SME Cluster should demonstrate that it is capable of
implementing the initiative, and is a suitable recipient of grant funds.
Mode of Application
Grant applicant may apply by sending maximum two (2) page project concept paper in
either English or Kiswahili to the following address:
By postal address:
SCF BUSINESS MANAGER
P. O. BOX 5789, DAR ES SALAAM (or relevant Branch Office)
By email: [email protected]
Website: www.marketaccesstz.org
(See appendix I for Concept note and Business plan formats)
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Tanzania Private Sector Foundation (TPSF)Background
The Tanzania Private Sector Foundation (TPSF) was established in 1998 as a result of
multi-folded efforts by various stakeholders of the Private Sector to provide a focal point
for articulation of private sector-led approaches to Tanzania’s socio-economic
development by:
providing member organizations with services they value
understanding and representing their common interest; and
Engaging in effective advocacy with the Government
Since then, TPSF has served as apex and focal point for private sector advocacy and
lobbying on behalf of the private sector.
Membership Services
Membership to the foundation is open to properly established business associations,
organizations and corporations which support the aims and objectives of the foundation.
Membership Categories
Ordinary Membership
Category A: National Coverage Associations
Category B: Medium Sized Associations
Category C: Regional Coverage Associations
Category D: Small and Emergent Associations
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Associate Membership: Open to private sector business support organisations and to the
Government agencies providing specialised services to businesses.
Corporate Membership: Open to corporations supporting the aims and objectives of the
Foundation (as per Cap 212 companies).
Matching Grants
TPSF aimed at improving the competitiveness of private firms within Tanzania, both in
export markets and in domestic markets. It provided standard 50% cost-sharing grants to
private firms, for the use of outside services & travel, within a properly-formulated
business development plan, aimed at improving competitiveness, and thus boosting sales.
TPSF is examining the possibility of re-instituting a matching grant programme under
negotiations currently underway with donors and other stakeholders to further assist
vibrant SME sector within the Private Sector now recognized universally as the engine of
growth.
Application Procedure
Business associations, organizations and corporations are encouraged to join and become
effective members of TPSF by clearly filling and submitting the Membership Application
Form (see the sample of application form below). Ordinary applicants should belong to
their respective registered associations such as Tanzania Farmers Association (TFA).
(See Application form in Appendix II)
Contacts
Private Sector House,
Mwaya Road, Msasani Peninsula
P.O.Box 11 313, Dar es Salaam, Tanzania
Tel:+255222601913/222601938
Fax: +255222602368
Email: [email protected]
Website: www.tpsftz.org
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Southern Agricultural Growth Corridor of Tanzania (SAGCOT)Background
The Southern Agricultural Growth Corridor of Tanzania (SAGCOT) is an agricultural
partnership designed to improve agricultural productivity, food security and livelihoods in
Tanzania.
The SAGCOT Investment Partnership Program (IPP) aims to promote responsible
agribusiness and infrastructure investments in Tanzania's Southern Corridor that will
stimulate local smallholder farmers, MSEs and SMEs throughout the agribusiness value
chain. SAGCOT covered the five regions including Dar es Salaam, Morogoro, Iringa, Mbeya
and Rukwa emphasizing rice, sugarcane and livestock production.
SAGCOT’s Objective
To foster inclusive, commercially successful agribusinesses that will benefit the region’s
small-scale farmers, and in so doing, improve food security, reduce rural poverty and
ensure environmental sustainability.
Benefits
SAGCOT offers many benefits to partners – most significantly,
The opportunity to make a real change to Tanzania’s agricultural development and
be part of a unique, game-changing initiative.
By joining a community of some of the most respected national and international
players in agriculture and beyond, a SAGCOT partner will also benefit from full
access to information, networking, and professional services.
The biannual Partnership Forum provides an opportunity for all partners to come
together and give input to relevant stakeholders on challenges and opportunities
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faced in the implementation of Corridor activities, as well as an opportunity to get to
know fellow partners and share information, ideas and best practice.
How to Apply
SAGCOT welcomes interest from new potential partners to apply to become part of the
SAGCOT Partnership (partners including farmers, agri-business, the Government of
Tanzania and companies from across the private sector.)
Contacts
SAGCOT Centre Limited
Ground Floor, Tanzania Private Sector Foundation (TPSF) Building
Plot No. 1288, Mwaya Road
Msasani Peninsula
P. O. Box 11313Dar es Salaam, Tanzania
Tel: +255 22 260 1024 /+255 22 260 0146
Fax: +255 22 260 2368
E-mail: [email protected]
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Alliance for a Green Revolution in Africa (AGRA)
Alliance for a Green Revolution in Africa (AGRA) is an Africa based organization
working in partnership with governments, agricultural research organizations,
farmers, private sector, civil society and other rural development stakeholders, to
significantly and sustainably improve the productivity and incomes of resource poor
farmers in Africa.
Current Grant Making Programs
AGRA's programs focus on four basic areas: Soil, Seeds, Policies and Markets.
Program for Africa’s seed system: The Seeds Program supports the breeding of improved
seed and works to ensure that this good seed gets to
farmers.
Soil Health Program: Improving smallholder soil fertility and production.
Market Access Program: Developing well- functioning markets that provide reliable
outlets for farm produce.
Policy and Partnerships: Developing policy across the agricultural value chain.
The size of the grant
Applicants are requested to ask for what they need but make sure all the costs in their
budget are justifiable and sufficiently explained in the form of budget notes.
Guideline for Grant Seekers
AGRA grants are awarded based on merit and relevance to AGRA’s vision, mission
and specific program objectives.
AGRA's grants are intended to provide small-scale farmers with the tools and
opportunities needed to boost their productivity, increase their incomes, and build
better lives.
AGRA is currently giving grants to institutions only.
AGRA does not give grants intended for construction, endowment, general
fundraising events or for primary and secondary level education.
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Please Note:
Applicants are advised not to submit the full proposal before their concepts are reviewed
and accepted by AGRA program staff.
Application Process:
1. Compose a 1-2 page concept application
2. AGRA reviews the concept application
3. Successful applicants are sent proposal submission guidelines
4. Applicants send proposal as per submission guidelines
(See Appendix III for proposal submission guidelines)
Contacts
Head Office (Kenya)
Alliance for a Green Revolution in Africa (AGRA)West End Towers, 4th FloorKanjata Road, off Muthangari Drive,
P.O. Box 66773Westlands 00800Nairobi
Tel: +254 (20) 3675 000 / +254 (703) 033 000Web: www.agra.org
Fax: +254 (20) 3675 401
E mail enquiries: [email protected]
Tanzania
Tanzania Country office:c/o International Institute of Tropical Agriculture (IITA)Plot 25, Mikocheni Light Industrial AreaMwenge-Cocacola Road, Mikocheni BP.O. Box 34441, Dar es Salaam, Tanzania
Tel: +255 22 2700097Fax: +255 22 2775021Mobile: +255 776 000 702
E mail enquiries: [email protected]
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Africa Enterprise Challenge Fund (AECF)
Background
The Africa Enterprise Challenge Fund (AECF) is a private sector fund, backed by some of
the biggest names in development finance and hosted by the Alliance for a Green
Revolution in Africa (AGRA). The aim of AECF is to encourage private sector companies to
compete for investment support for their new and innovative business ideas.
AECF provides grants and interest free loans to businesses who wish to implement
innovative, commercial viable, high impact projects in Africa.
Key elements of the Fund are:
Providing grants and/or repayable grants (at 0% interest) between US$ 250 and
$1.5 million to solid, for-profit private companies with an established track record,
that can implement the project;
The AECF can contribute up to 50% of the investment. The rest is matched by the
companies themselves;
Contracts are awarded through an open, competitive and transparent international
bidding process;
The selection criteria emphasize high socio-economic impact as well as commercial
viability.
Activities Supported by AECF
The AECF supports businesses working in agriculture, financial services, renewable energy
and technologies for adapting to climate change. The entity also support initiatives in
media and information services related to these sectors.
Size of the Grant
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The maximum amount the AECF can award to a single business idea is US$ 1.5m and the
minimum is US$ 250,000, although this amount may vary depending on the competition.
The average amount is expected to be around US$ 750,000.
Eligibility Criteria
The competition is open to companies from anywhere in the world provided the business
idea is implemented in Africa. To qualify for funding, the business idea should be
commercially viable and have a positive impact on the rural poor, delivering increased
employment, reduced costs and improved productivity.
Application Procedures
The AECF proposal application process follows two stages.
Stage 1: Submission of an initial application form
The applicant has the chance to tell AECF about his/her business idea, and about the
company. The applicant will need to sell the idea not only in terms of its commercial
viability but also on its potential rural development impact.
The initial application will be assessed by a small team of assessors and the Fund Manager
who will shortlist the best applications and forward them to the AECF's independent
Investment Committee (IC). The IC will then decide which applications will progress to the
second (business plan) stage. During the first stage, applications are judged solely on the
quality of the written submissions.
Stage 2: Preparation and submission of a detailed business plan
The company will be asked to prepare and submit a detailed business plan provided that
the application has been selected to move forward by the Investment Committee. During
this stage AECF will also engage with and visit all of the companies preparing business
plans. The final business plans are presented to the independent Investment Committee for
a decision about which business ideas win the competition for AECF funding.
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NOTE: Regularly Visit AECF projects page to see the funding windows available for a
specific country.
Contact AECF
The Africa Enterprise Challenge Fund
Equatorial Fidelity Centre, Opposite New Safaricom House,
Behind Shell Petrol station,3rd Floor, Waiyaki Way, Nairobi
P O Box 13459-00100 GPO
Nairobi - Kenya
Telephone: +254 20 2699137 / 8 / 9
Website: www.aecfafrica.org
FINCA-TANZANIATypes of Finance Available
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Products Range Interest
RateMaturity Fee Collateral
Individual business loan I
TZS.500,000-5m
5% per month
3-18 Months
0.5% Mortgage, vehicles, immovable property
Individual business loan II
TZS.5m-10m 4% per month
3-18 Months
0.5% Mortgage, vehicles, immovable property
Individual business loan III
TZS.10m-15m
3% per month
3-18 Months
0.5% Mortgage, vehicles, immovable property
1. Collateral: Proposed collateral should have a proof of ownership. The value of the asset
should be higher than the loan.
2. Documents/ Information Required: Legal business registration document, Collateral
document
3. Eligibility Criteria:
Applicant’s age must be 18 years and above.
The business must be in operation for at least 6 months.
The applicant should have a legal identification
The applicant should be able to follow loan terms and conditions
4. Other terms and conditions: The business should be visited by the loan officer prior to
the issuance of the loan.
5. Summary comments: The loan will be processed within 1 week after the submission of the loan application.
Contacts
FINCA Tanzania Ltd
Head Office- Magomeni Mwembechai,
P.O.Box 78783, Dar es Salaam
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Telephone: +255 222172452/3
E- mail: [email protected]
Website: www.FINCA.org
For more information, visit the nearest branch
National Social Security Fund (NSSF)Background
The National Social Security Fund (NSSF) was established by the Act of Parliament No. 28
of 1997 to replace the earlier National Provident Fund (NPF). NSSF is a compulsory scheme
providing a wider range of benefits which are based on internationally accepted standards.
NSSF covers the following categories of employers and employees:-
A. Private Sector which includes:-
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Companies
Non-governmental organizations
Embassies employing Tanzanians
International organizations
Organized groups in the informal sector
B. Government ministries and departments employing non-pensionable employees.
C. Parastatal organizations
D. Self-employed or any other employed person not covered by any other scheme
E. Any other category as declared by the Minister of Labour
Scheme’s Benefits provided by NSSF
The scheme provides eight benefits which are categorized as long term benefits and short
term benefits as follows;
Long Term Benefits/Pensions Short Term Benefits/PensionsRetirement Pension Funeral Grant
Invalidity Pension Maternity Benefit
Survivor's Pension Employment Injury BenefitHealth Insurance Benefit
Withdrawal Benefit
Scheme’s financing
The scheme is financed through contributions at the rate of 20% of what an entrepreneur
earns in a month.
Loan Facility
Apart from other benefits, NSSF also offers loans to the members through SACCOS. It is
another opportunity for entrepreneurs to get loans while enjoying other benefits provided
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by the fund. To acquire loan, an entrepreneur must be an active member of both NSSF and
any registered SACCOS.
Beneficiaries of the Program
All members of NSSF who are also members of registered SACCOS operating in Tanzania.
SACCOS LoanProducts Range Interest Rate Maturity Collateral
Members loan 50m-1 billion 10%-14% 24-60 Months
Be a member of SACCOS
Loan Terms and Conditions Loan applicant should be a registered member of both NSSF and SACCOS.
Loan applicant should be an active member of NSSF and have been contributing for
at least 6 months.
Loan amount should not exceed 50% of the worth of SACCOS.
Loan Application
SACCOS members who are also members of NSSF should apply through their
respective SACCOS.
SACCOS will assess the loan application before requesting loan from NSSF.
(See appendix IV for NSSF Loan Guideline)
Contacts
Head Office
Postal address: P.O.Box 1322, Benjamin Mkapa Pension Towers,
Dar es Salaam, Tanzania
Tel :( 255) (22) 2163400-19 or (255) (75) 6140140
E-mail: [email protected]
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(For more information, visit nearby NSSF branch)
Entrepreneurs Financial Centre (EFC)Types of Finance Available
Business Loans
The EFC Business Loan is specifically designed for entrepreneurs who need fast and
efficient loan services for a wide range of needs including working capital, equipment
purchase and investments, agricultural supplies or any other business related purpose.
Products Range Interest Rate Maturity Fee CollateralBusiness Loans
TZS.750.000-50m
1.75%-2.5% per month
36 Months
2.5% Building, vehicle
1. Collateral: Proposed collateral should have a proof of ownership
2. Documents/ Information Required:
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Business premise ownership/ contract document
2 applicant passport size
Photocopy of one of the following identity( vote, driving license, travelling passport)
Business license, TIN
Identification letter from the local government
Bank statement for 3 consecutive months
3. Eligibility Criteria:
The applicant should be an entrepreneur or a registered company with the purpose
of making profit through business activities
Applicant’s age must be 18 years and above.
The business must be in operation for at least 6 months.
The applicant should be able to follow loan terms and conditions
The applicant and the business should be located in Dar es Salaam
The applicant should keep business records all the time
The applicant should have at least one referee (employee or business person)
4. Other terms and conditions:
The loan beneficiary should have a special period bank account with a balance of
10% to 20% of the requested loan.
Creditor Life Insurance to protect the borrower’s legacy in the event of death
5. Benefit
EFC has Professional Credit Officers specialized in business lending and advisory services
to micro and small business entrepreneurs.
CONTACTS
EFC Tanzania M.F.C Limited
Head Office and main Branch
1st Floor, Letsya Towers, 59 New Bagamoyo Road
P.O. Box 11735, Dar es Salaam, Tanzania
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Telephone: +255 22 2701319/20.
Website: www.efctz.com
APPENDICES
Appendix I
TEMPLATE FOR CONCEPT NOTE (TCN): AN OUTLINE OF ITS CONTENTS Definition: The business concept note submitted to SCF by the applicant is the business layout showing what the business wants to do, how it will be done and the value it will add to the business. It will be a maximum of two pages covering the following outline:
1. Applicant’s name and project title
2. Please briefly describe your business context
What the business will do
How it will be done
How will growth be pursued
What product(s)/services to be offered
Who are your competitors
Marketing and market structure.
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1. Please provide an overview of business challenges
2. Proposed business solutions to overcome these challenges
3. Please indicate resources required to implement business solutions
4. Proposed role of SCF in attaining (5) above
What assistance requested from SCF
Magnitude of assistance required
OUTLINED BUSINESS PLAN (PROPOSAL) FORMAT FOR SCF MATCHING GRANTS APPLICATION
Definition: The proposal submitted for SCF matching grants is a business solution
proposition covering eight business topics and is a maximum of ten pages, excluding the
budget tables to execute it and financial statements.
Contents of the proposal:
1. Applicant’s Name and Project Title
2. Legal status of the applicant/business
3. Contact details of applicant:
1) Physical and postal addresses
2) Telephone and e-mail account
3) Name and Position of contact person
4. Profile of business promoters/owners or managers and their experiences with
other businesses, if any
5. Business profile
a. Business history
b. Food products produced
c. Sources of raw materials and other inputs and ingredients
i. Quantities and their unit costs
ii. Raw material sourcing arrangements
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d. Sources of finance
e. Markets served and how that is done
f. Business performance trends in sales volumes and gross sales values for at
least the last 2 years and projections for next 3 years
g. Level of employment
h. Any other relevant business information
6. Business long term goal or vision/mission
7. Business challenges to attain both long term goal and immediate objectives or
vision/mission
8. Proposed business solutions to resolve challenges outlined above
a. Please describe strategy and methods to achieve business objectives
b. Resources required (self generated, bank finance, SCF, other?)
c. How SCF support contributes to attain the desired immediate business
solutions
d. How will you demonstrate SCF contribution to your business success on
reaching objectives
9. Present a project budget (in TSH), including all resources required and the timing
for each of the required inputs (including suggested milestones over time that, once
achieved, would trigger sequential releases of funds in pre-defined tranches).
a. The budget should be detailed, realistic, accurate and appropriate to the
company’s size and goals, and demonstrate “value for money”.
b. It should be presented with separate columns to indicate:
a. resources committed by the company requesting a grant (in cash & in kind)
b. resources requested from SCF as a grant (in TSH)c. resources committed or requested from other sources (eg banks,
NGOs, etc)10. Work Plan, including the tasks during the project and the timing of each key steps
as per template below 11. Template for Budget Submitted to SCF
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Budget by activity list and per expenditure items within activity and financing plan
Financing Plan
SCF SME
12345
AddTotal budgetPercent per financing plan
Activity No.
Activity Description Unit Quantity Unit Price (Tshs)
Total Cost (Tshs)
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Appendix II
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Appendix III
Grants Proposal Submission Guidelines
GUIDELINES FOR SUBMITTING A PROPOSAL TO THE ALLIANCE FOR A GREEN REVOLUTION IN AFRICA (AGRA)
You are kindly advised to adhere to these guidelines to facilitate processing of your proposal.
Please submit all materials in English:
1 PRE-AWARD ASSESSMENT DOCUMENTS
1.1 INSTITUTIONAL INFORMATION
Provide a brief description of the institution, including its mandate, status, and the
locations at which it operates. Provide a brief narrative description of (i) your
organization's principal purpose or mission, (ii) the activities and operations
presently carried on by your organization, and (iii) those activities that you intend
to carry on in the future.
Describe the unit within the institution that will carry out the project, what
experience it has working in the specific problem area; what special competencies,
facilities and physical assets it brings that qualify it to conduct the present project.
Indicate the date on which your organization was first organized.
Attach a copy of your organization's charter, bylaws, and any other documents, in-
cluding any relevant statutory laws, pursuant to which your organization was
organized or by which its operations are governed.
Provide a list of your organization's governing board and key officers.
Provide recent audited accounts of your organization.
Provide a description of recent grants made by other organizations or units of
government to your organization.
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Include a signed copy of the pre-grant inquiry form (see annex I below)
2 COVER LETTER
This letter must be on letterhead and signed by the head of the institution, his/her
designee authorized official. It should include the following details:
A short (1 paragraph) description of the project.
The total amount being requested from AGRA.
3 GRANT PROPOSAL OUTLINE
Proposal Cover Page (no more than 2 pages) to include the following
information:
Name of institution requesting funds.
Name, address, telephone, fax and e-mail of contact person at institution.
Name of institution’s chief executive and financial officer, and contact
information for each.
Project Title.
Executive Summary (a short description of the project, including problem
to be addressed, goal, main activities, duration and general description
of main outputs and expected outcomes).
Total project budget amount.
Amount requested (from AGRA) for the project.
Other collaborating institutions, if applicable.
Additional funding for this project requested/obtained from other
organizations.
Proposed start date of project.
Duration of project.
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TABLE OF CONTENTS
Provide a list of sections and page numbers for easy reference by the reader.
1. DETAILED PROPOSAL
1.1 Statement of the Problem: (sub-questions will be developed and provided that
are tailored for the specific sub-program; these will cover the following broad
areas)
Describe the nature (what, why, when) and dimensions (geography and
numbers of people affected) of the problem being addressed.
Demonstrate its importance for poor and vulnerable households.
Describe current status of work on this problem.
Note that quantitative data is very important.
1.2 Strategy Proposed to Solve the Problem:
Describe the most promising opportunities to solve the problem, and which
have been chosen in this project, explaining the choice.
Describe the overall strategy to be used in this project.
Describe past work of the grantee institution in this problem area and the
stage on initiation of this project.
1.2 Result framework (Goals, Objectives, outcomes, outputs and Activities)
Using the result framework or program logic approach provide the casual
relationship of your project laying out the strategy being implemented by the
project, in terms of the causal paths leading from short-term outcome or lower
level results to the achievement of upper-level objectives and the project goal.
State your project goal which gives the overarching aim of your project.
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Provide the specific objective or objectives which can be a series of one
sentence statements of the specific actionable objectives that the project
seeks to accomplish. The objectives should support the project goal, should
be significant development of outcome and should be linked to the program
or sub-program objectives. The following criteria should be used when
stating the project objectives
i. It should be objectively measurable
ii. At a highest level of result or outcome for which the project is held
accountable
iii. Be achievable within program period
iv. And should have project activities that fall under it
For each project objective, identify and state, if applicable, the sub-objectives
that support the project objectives. There should be clear causal relationship.
The achievement of the sub-objectives leads (at least partial) achievement of
the project objective. Sub Objectives should be;
i. Specific and objectively measurable
ii. Single and uni-dimensional
iii. Objectively verifiable
For each stated Objectives indicate the outcomes
Fully describe or state the main activities that the project will be carrying out
to generate outputs that will contribute to the sub-objectives and the
objectives of the project. Project activities must be aligned with objectives
and the sub-objectives. A Project’s activities should be designed to change
some measurable result, with small effects or results from the full range of
activities arguably leading to the larger objectives. Activities should generate
outputs which will be used to measure the extent and the range of the
intervention strategies.
Results Framework
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Program objective:
1.4 Key Performance Indicator table with baselines and targets:
Defining measurable activities, outputs and outcomes associated with each objective is essential to monitor project implementation and assist management to track progress, identify problems early, guide adjustments as needed and facilitate evaluation. To facilitate this, key milestones need to be:
1. Outcome - Intermediate observable and measureable changes that may serve as steps toward impact for a population community, country, or other category of beneficiary
2. Outputs - The direct and early results of a grant or intervention’s activities. Outputs refer to the most immediate sets of accomplishments necessary, but not sufficient, to produce outcomes and impacts
3. Key Milestones – thresholds that show whether a task is on track to finish as expected
4. Unit of Measurement - For each indicator provided, state the unit of measurement,
eg. Numbers, percentage, hectares, etc.
5. Dis-aggregation - For each indicator provided, state how data collected will be
disaggregated. Eg. By sex, crop, location, year, country
6. Frequency – The number of times data on the indicator will be collected. Eg.
Quarterly, bi-annually, annually or every 3years
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Program Component objective:
Main Outcome:
Project Obj.2:
Outcome:
Project Obj.1:
Outcome:
Project Obj. 3:
Outcome:
Activities:
i.
Activities:
i.
Activities:
i.
7. Baseline - Baseline data indicates the state of an indicator prior to the beginning of
project intervention. Data may come from secondary data available, monitoring tools,
or from surveys
8. Target - All indicators in the IPTT must have annual targets. This should be what the
project hopes to accomplish in that given year
KEY PERFORMANCE INDICATOR TABLE
Program Logic/Re
sult Chain
Indicators
Definition
Level of Disaggrega
tion
Means of
verification
Frequency of
Measurement
Baseline
Target Year 1
Target
Year 2
Target
Year 3
Cumulative
Target
Goal
Project Objective and Outcomes
Activities/ Outputs
Processes/
Milestones
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1.5 Beneficiary Analysis including Gender
People (or entities) whose lives or experiences are expect to change as an eventual result of
the grant. Grant proposals should be able to trace a conceptual link to their intended
ultimate beneficiaries, even if the proposed project itself will not work directly with these
people (or entities).
The direct beneficiaries which are special under the project control should be described in
proportion to the general population of interest. The indirect beneficiaries which will be
influence and impacted by the program should also be stated.
Gender dynamics in terms of women and men access to the intervention strategy should be
described. The composition of Men, women and youth that will benefit from the Grant and
what the project will do differently to ensure that targeted women farmers gain fully from
the project should also be stated.
1.5 Project Implementation Plan (PIP):
A project implementation plan must be developed in the AGRA PIP design and
submitted with the proposal.
1.7 Risks and Assumptions:
Indicate the basic risks and assumptions that will affect the success of the
project.
These should be in respect to both internal and external factors.
1.8 Linkages to Closely Related Programs:
Describe other institutions (public, private, national, regional or international)
with which the grantee institution will collaborate to implement this
project (who, where, their mandate and core competencies).
Describe the nature of the collaboration (who will do what).
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For linkages with the private sector, describe in more detail the structure of the
sector, the main actors, the main partner companies, and any special
arrangements governing collaboration (licensing arrangements, etc.)
1.9 Plans for Disseminating Results:
Describe how the results of the project will be disseminated (publications, farmer
field days, field demonstrations, user-friendly manuals, local radio stations,
workshops, etc.)
4. BUDGET (in US dollars)
A detailed financial description of the project plus explanatory notes and a budget
narrative outline and itemization of the budget lines is required.
5. PROJECT SUSTAINABILITY
Provide a specific sustainability plan to show how the organization will manage
activities as a going concern after AGRA’s support.
6. OTHER CONTRIBUTORS TO THE PROJECT
Describe contributions (salaries, infrastructure, administrative support, etc.) to
this project from other sources (government, other donors, non- governmental
organizations).
7. PROJECT MANAGER(S) Provide CVs.
8. PROJECT STAFFING
Names Institution Discipline Training level Time devoted to the project (%)
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9. KEY ASSESSMENT CRITERIA FOR ALL APPLICATIONS
All applications for funding will be assessed for relevance to the AGRA strategy and
Program Objectives, with emphasis on how the proposed project will meet objective(s) of
the AGRA Program(s).
Alliance for a Green Revolution in Africa (AGRA)
Pre-Grant Inquiry
Name of Organization:
Acronym (if any)
Full Contact Address:
Phone:
Fax:
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Website:
Date of Formation or Incorporation:
Fiscal Year End: Month:
Day:
Organization’s total Operating budget for most recent audited financial year
US$:
Head of Institution: Name:
Title:
Phone (if different from above):
Email:
Financial Contact: Name:
Title:
Phone (if different from above):
Email:
Main Contact Person for AGRA Grants:
Name:
Title:
Phone (if different from above):
Email:
Name, title, signature and title of person who completed and submitted this form:
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Name: ______________ Title: __________________
Signature: ______________ Date: __________________
Appendix IV
NATIONAL SOCIAL SECURITY FUND
TANGAZO
MIKOPO KWA WANACHAMA KUPITIA SACCOS
1.0 UTANGULIZI1.1 Mpango huu unawalenga wanachama wa NSSF tu ambao wamesajiliwa kwenye
vyama vya Ushirika (SACCOS) zinazofanya kazi zake nchini Tanzania. Hivyo mikopo itatolewa kwa wanachama kupitia vyama vyao vya SACCOS kwa ajili ya kuwakopesha wanachama wa NSSF ambao pia ni wanachama wa hizo SACCOS.
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2.0 WATAKAONUFAIKA NA MPANGO HUU2.1 Wanachama wote wa NSSF kupitia kwenye vyama vyao vya ushirika (SACCOS).
3.0 MASHARTI YA MIKOPO KWA SACCOS3.1 Chama lazima kiwe kimesajiliwa na kufanya shughuli zake nchini Tanzania.3.2 Wanachama wa SACCOS lazima wawe wanachangia mfuko wa NSSF.3.3 Ushirika unatakiwa uwasilishe muhtasari wa SACCOS husika.3.4 Ushirika uwe umesajiliwa na kujiendesha kwa kipindi kisichopungua miaka
mitatu.3.5 Kuwasilisha Hesabu zilizokaguliwa kwa kipindi kisichopungua miaka mitatu.3.6 Kuwasilisha majina ya viongozi kama yalivyosajiliwa kwa mrajisi wa vyama vya
Ushirika.3.7 Kuwasilisha majina ya wakopaji yaliyoidhinishwa na SACCOS pamoja na kiasi
cha mkopo unaohitajiwa na kila mwombaji.
4.0 MASHATRI YA MKOPO KWA MWANACHAMA.4.1 Mwanachama awe amesajiliwa na mfuko wa NSSF na pia awe amesajiliwa na
chama cha ushirika(SACCOS).4.2 Awe mwanachama hai wa mfuko wa NSSF na awe amechangia kwa kipindi
kisichopungua miezi sita(6).
5.0 UKOMO WA MKOPO.5.1 Kwa chama chochote cha ushirika (SACCOS) kiwango cha chini cha mkopo ni
Tshs. 50 million na kiwango cha juu ni Tshs. 1.0 billion. Hata hivyo , mkopo unaoombwa usizidi 50% ya jumla ya mali za ushirika(SACCOS) na usizidi jumla ya mkopo ulioombwa na wanachama.
6.0 UREJESHAJI WA MKOPO6.1 Mkopo wa muda mfupi utarejeshwa kwa muda wa miaka miwili (2) na miaka
mitano(5).7.0 RIBA
7.1 Riba kwa mkopo usiozidi miaka miwili itakuwa 9.32% kwa mwaka 7.2 Riba kwa mkopo wa kati ya miaka miwili(2) mpaka mitano(5) itakuwa 10.68%
kwa mwaka.7.3 SACCOS inaruhusiwa kuongeza riba isiyozidi 3% ili kukidhi shughuli zake za
uendeshaji.
8.0 UTARATIBU WA MAOMBI.
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8.1 Wanachama wa SACCOS ambao pia ni wanachama wa NSSF wataomba mkopo
kupitia SACCOS zao.8.2 SACCOS itapokea, kutathimini na kuidhinisha maombi yote ya mikopo kwa
masharti ya SACCOS husika.8.3 SACCOS itafanya majumuisho yote na kuomba rasmi mkopo NSSF, majina ya
manachama yaliyoidhinishwa yataambatanishwa na maombi ya mkopo.
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