Friday, July 1, 2011

CORRUPTION IN TANZANIA

State of corruption in Tanzania has not changed yet-Diplomat PDF E-mail

The Swiss Ambassador to Tanzania has said what he said 13 months ago about the state of corruption in Tanzania had not changed and it continued mowing down development efforts and affecting millions of Tanzanians along its way.

In fact, if anything, he said the situation was still worrisome and hence the dire need to step up efforts in combating the deadly vice.

Mr Adrian Schlaepfer who was the guest of honour at the launch of the Kiswahili version of the Corruption Tracker website on July 5th this year (2010) at the New Africa Hotel in Dar es Salaam was speaking before he launched the Tanzania Corruption Tracker System (CTS) II website.

Speaking at the first launch of the Corruption Tracker at the same venue in Dar es Salaam on May 26th last year (2009), Mr Schlaepfer said “corruption is a development killer”.

“It is a sad necessity for me,” he said, “I have to repeat the sentence, corruption is a development killer, today 13 months on,” he said.

He said the simple inter linkage between the progress of a society and the behaviour of some of its members continue to be the key reason why all stakeholders working for the development of Tanzania need to join hands and efforts to combat corruption at all levels.

“To do so should not be seen as a matter for some of us to take the moral high ground, but it is indeed a vital need and in the direct interest of all segments of society to take upon themselves, with a view to paving the way for equitable and sustainable socio-economic development,” he said.

The Swiss ambassador paid glowing tribute to the Corruption Tracker and its host, Agenda Participation 2000, for a well done work.

“But how about impact?” he asked. “Has the Corruption Tracker System actually helped to reduce corruption in Tanzania?” he asked.

But without waiting for any answer, he said, “The answer is short: we don’t know yet”.

He said one year of work was simply too short to gauge changes that can be clearly and unequivocally attributed to the work of the Tracker.
“What we do know however, is that the number of ‘reported’ cases of corruption has not decreased,” he said.

He continued, “Corruption does remain one of the biggest impediments for development in Tanzania, and this in spite of a string of strong commitments by the Tanzanian legislative and executive to enhance the fight against the scourge,” he said.

He cited some of the country’s efforts towards containing the vice as the establishment of a comprehensive and commendable body of laws, regulations and oversight institutions aimed at preventing, investigating and sanctioning corrupt practices.

However, despite all these efforts, he said, the Transparency International (TI) indicated in its last year’s (2009) report that Tanzania had slipped down by 24 places in the TI’s Corruption Perception Index ranking from the year before.

“The report mentions as possible reasons for this the lack of transparency in the fight against corruption and halting and cumbersome conduct and conclusion for corruption prosecution cases,” the Swiss ambassador said.

The Swiss Ambassador also recalled Tanzania’s dismal performance in the US based Heritage Foundation’s 2010 Economic Freedom Report Index.

He said according to the renowned American institution, the country’s poor showing could be attributed to the manner with which Tanzania enforced laws, regulations and sanctions when it came to dealing with corruption.

He argued that if improving business environment was a major priority for the government as a means for fostering economic growth and income generation, then there was no way Tanzania was going to succeed without combating corruption.

He paid tribute both to the media and the Corruption Tracker for bringing forth a new enemy he described as the quiet corruption.

“This is the kind of cost that is inflicted upon a citizen when public servants fail to deliver services or input that have been paid for by the government,” he explained.

“The most prominent examples are absence of teachers in school or absentee doctors in primary clinics. Quiet corruption does not make the headlines the way bribery scandals do. Nevertheless, the long term consequences of this type of squandering of public funds on an economy and society can be just as devastating,” said the Swiss diplomat.

Mr Schlaepfer however, admitted that Tanzania, or developing countries for that matter, were not alone in the quagmire, noting that apart from being part of the problem, developed countries had a role to play both in preventing and combating corruption.

He said since developed nations were part of the problem, it was only fair that they also became part of the solution, a role he said they could play by stemming the flow of ill-gotten funds and assets from poor to rich countries.

“It is estimated that between 20 and 40 billion US dollars is stolen yearly from developing countries through bribery, misappropriation of funds and other corrupt practices.

Only five billion US dollars of stolen money has been actually returned over the last 16 years, one third of it from Switzerland,” he said.

“According to the World Bank, developing countries could use 20 billion US dollars to finance 48,000 kilometers of paved roads, first-line treatment for 120 million people living with HIV/aids for a full year, or some 50 million water connection for poor households,” he said.

Ambassador Schlaepfer and his Finnish colleague, Ambassador Juhani Toivonen have been supporting the Corruption Tracker since its inception as away of building civil society and government collaborative efforts in the fight against corruption. The two governments are also leading contributors to the government’s budget through the Joint Assistance Strategy and Budget Support framework.

MZEE WA VICOBA

Psychology and It's Importance

Psychology

What is psychology means? What’s the function of psychology? Is it important? What’s the importance of this then? What do you call a person who studies psychology? There are a lot of questions concerning psychology and as you continue reading this article all of those queries will get answered accordingly.

Well, psychology means a theoretical, educational and applied science connecting the scientific study of mental operations and behavior or performance. Psychology also refers to the application or usage of understanding, knowledge and skills to a number of areas of human activity, involving issues concerning with daily activities such as education, events, people and their task, employment, association, relationship as well as the treatment of mental health difficulties.

Psychology involves various sub-areas of study and applications related with different subject like human development, sports education, physical condition, business, media as well as the regulation. It also includes exploration and investigation from the natural sciences, social sciences and humanities.

The Importance of Psychology

Psychology is important as it is concerned with the study of behavior and mental processes and at the same time, it is also applied to many different things in human life. Everything we perform is very much related to or with psychology. Psychology, primarily studies who and what we are, why we are like that, why we act and think like that and what we could be as a person.

Psychology is important in a lot of different ways, for instance the studies that has been conducted in various life threatening illnesses. Through the process of utilizing psychology, the psychologist determined different diseases such as Parkinson’s disease, Alzheimer’s disease and some other Neurological diseases. By making use of psychological research, doctors have now developed medicines and even able to alleviate different illnesses.

Through studying psychology we are able to understand and determine how the mind and body of an individual works. With that said, people would no longer make things complicated for themselves and for their health as well. They are going to avoid things that can cause stress, they are able to manage time very well, and are more effective with their studies or chosen career.

As a writer, psychology is important as it helps me in understanding myself better, it helps me to perceive things positively and it assists me in determining the things that I enjoy doing the most and the kind of stuff I like to write about. It also contribute a lot of great help in the way I handle things in life, the way I face challenges and problems that occurs at an unexpected time and of course the way I make decisions in my everyday living.

Different Subfields of Psychology

  • Abnormal Psychology – primarily focused on the study of abnormal behavior. The study is conducted to determine, describe, predict, explain, illustrate and change abnormal patterns of performance. It studies the nature of psychopathology and its causes. It is very applicable in treating the patient with psychological disorders.

  • Biological Psychology – scientific study of biological basis of behavior and mental condition. Since the person’s behavior is controlled by the nervous system, biological psychologist suggested to examine the way the brain operate in order to comprehend the person’s behavior.

  • Cognitive Psychology – studies cognition or the mental processes bring about behavior. Various subjects included to this field are perception, learning, problem solving, memory attention, language and emotion. It is associated with a school of thought called cognitivism.

  • Personality Psychology – generally refers to the person’s personality. The main focused of this study are the patterns of person’s behavior, thought and emotions as well.

  • Psychology and Law – also known as Legal psychology. Explore the topic regarding jury decision-making, eye witness memory, scientific evidence and legal policy.

  • Quantitative Psychology – involves and usage of mathematical and statistical methods in psychological research and the development of statistical technique in analyzing and illustrating a behavioral data.

  • School Psychology – the combined principles of educational psychology and clinical psychology in understanding and treating students with learning difficulties and disabilities. As well as to encourage intellectual growth to every gifted students.

  • Social psychology – focus on how human think about each other and how they relate to one another. It primarily studies about the human’s social behavior and mental processes.

  • Comparative Psychology – the focal point of this studies are the behavior and mental process of animal compare to human beings.

  • Counseling Psychology – it performs personal and interpersonal operations in a person’s being wherein the main concern are the emotional, social, vocational, educational, health-related, developmental and organizational areas.

  • Industrial/ Organization Psychology – it is more related to optimizing human’s potentiality in the work place.

  • Clinical Psychology – the center of its practice are psychological assessment and psychotherapy, however it is also engage in making inquiries, teaching, consultation, forensic testimony and program development and administration.

  • Developmental Psychology – concentrating on the growth and development of the human mind in its entire existence. It also tries to find reasons and to comprehend why people perceive, understand and act and how these stages alter as they grow.

  • Forensic Psychology – deal with a lot of practices basically including clinical evaluations of defendants, statements to judges and attorneys and courtroom testimony at provided issues.

  • Health Psychology – the method of applying psychological theory and studies to health, disease and health care. It is concerned with health-related behavior involving healthy diet, the doctor-patient relationship the patient’s comprehension regarding health information and viewpoint about illness.

  • Child Psychology – studies about the child’s growth and development involving the stages of their social, emotional, mental and physical progress.

  • Psychology of Creativity – it mainly involves new discoveries and usually resulted from different way of thinking.

  • Psychology of Beauty – how an individual perceive and appreciates the beauty of other people and the things around him.

  • Animal Psychology – how the animal respond to a stimuli in a trial and error process. Their responds to this method determines their behavior.

How Psychology Improves a Relationship

You make use of psychology everyday of your life. Are you aware of that? You use it when you are talking with friends, with your co workers and with every one around you, you use it when arguing, reasoning and disciplining your child. Since psychology are being made use day by day, below I have prepared some helpful ways to all of you, my dear readers.

  • Psychology Help in Building Relationships – it helps strengthening a relationship and making everyday lives better through escalating a person’s self-knowledge and understanding towards another individual.

  • Psychology Improves Daily Communication – by understanding psychology, people learn on how to communicate effectively towards one another. It teaches people to understand what others are saying and of course in comprehending the person’s actions or gestures towards a certain condition.

  • Psychology Builds Self-Confidence – the more you know, and discover about yourself, your being, your personality and your weaknesses the more you seek for self-improvement and when that happens your self-confidence are increasing.

  • Psychology Enriches Careers – by knowing better and understanding your co-workers you are able to get along with them, you know where to stand as you know where they are coming from and what they are going through. Psychology teaches you how to correctly and rightfully deal with other people around you. As this condition continues occurring in a work place, it will positively enrich everyone’s career.

It is very important that a person knows what psychology is all about and how essential it is in everyday lives. I hope you will be able to make use psychology in every aspects of your life as well as in making decisions.

AFRICA AND EUROPE SOCIETY

Historical Perspective in Consumer Research: National and International Perspectives, 1985 Pages 51-55

AFRICAN AND EUROPEAN ROOTS OF MULTICULTURALISM IN THE CONSUMER BEHAVIOR OF AMERICAN BLACKS

Jerome D. Williams, University of Colorado

[Jerome D. Williams is a Doctoral Candidate in the Department of Marketing, University of Colorado, Boulder, CO 80309 and Assistant Professor of Marketing, Metropolitan State College, Denver, CO 80204.]

ABSTRACT -

This review traces the development of African and European value systems as evidenced in the consumer behavior of American blacks. Using the concept of multiculturalism, an explanation is given as to why there is confusion in the literature over cultural integration versus cultural distinctiveness.

INTRODUCTION

Blacks in rhe United States constitute over 12% of the population and spend over $150 billion annually (Spadoni 1984). There is no denying the importance of this market segment, both to researchers and practitioners. More consumer studies have been conducted with blacks as subjects than with any other minority ethnic group (Bauer and Cunningham 1970, Sexton 1972). Despite this plethora of academic research (Bafry, Harvey, and McGill 1976), many marketing practitioners view programs aimed at blacks as proceeding at little better "than a snail's pace" (Yovovich 1982) and characterize much of the research as being too scarce, outdated, unreliable, or non-existent (Andreasen 1978).

Part of the problem is that while most marketers and consumer behavior researchers are in general agreement that the consumer behavior of blacks differs from that of whites, there is no consensus as to the cause of the difference. The controversy seems to center around the issue of whether such differences are the result of cultural factors or relative socioeconomic status (Moschis and Moore 1981). Some contend that when socioeconomic variables are held constant, very few differences are observed. Others maintain that even when comparisons of blacks and whites of equal socioeconomic status are made, there are still observed consumer behavior differences which can be attributed to culture.

In addition, there is confusion as to the motivation of blacks, even when there is agreement that the differences are attributed to culture. For example, some researchers suggest that blacks will attempt to emulate whites, particularly as they move up the socioeconomic ladder. Other researchers suggest that blacks who move up the socioeconomic scale become less concerned-about being accepted or striving to be like whites. This is because the higher position of blacks allows them to do whatever they choose, and for many, this means identifying strongly with the black subculture. Robertson, Zielinski, and Ward (1984) describe this as the dichotomy in subcultural motivations between the preference for cultural integration versus cultural distinctiveness. It becomes a question of how much blacks desire assimilation and integration compared to how much they desire a separate identity and maintenance of a distinct cultural heritage.

This paper will examine this conflict using the concept of multiculturalism based on African and European roots. Multiculturalism can be helpful in explaining how African and European perspectives have merged and how both affect black consumers. This offers a resolution of the cultural integration versus distinctiveness question. Past research has been based on the assumption that as one becomes more acculturated that one loses cultural identity. However, this paper is based on the premise that American blacks can maintain strong ethnic identity based on African roots and simultaneously exhibit behavior based on the European values of the dominant culture.

PREVIOUS RESEARCH

A number of studies have commented on the cultural integration versus distinctiveness issue in the behavior of blacks compared to whites. During the 1960's and early 1970's, the dominant view was that blacks had a desire for cultural integration. It was assumed blacks wanted to be like whites and that they consumed in a manner which reflected a desire for assimilation into the total culture.

Bullock (1961) stated that blacks "attempt to surround themselves with symbols of whiteness." Bauer and Cunningham (1970) stressed that blacks are "fighting to attain full membership in American society," and they use consumption of a socially visible nature as a means of showing that they have arrived. In dividing blacks into "strivers" and "nonstrivers," Bauer and Cunningham found that "strivers" were more likely to accept values characteristic of whites and to emulate white consumer behavior.

Bennett and Kassarjian (1972) suggested that when socioeconomic status was held constant there was little difference between black and white consumer behavior. They indicated that blacks use white norms as a guide to expenditures to provide status in the dominant culture.

During the late 1970's and into the 1980's, there was more emphasis placed on cultural distinctiveness compared to earlier research. Blauner (1972) suggests that during the 1960's, blacks became increasingly concerned with their culture and aggressively substituted their own ethnic alternatives for dominant standards of beauty, behavior, and value, many of which were rejected as "white." Gibson (1978) feels there is little likelihood in the near future of the black community being assimilated into the white community. He states that as blacks move up the socioeconomic ladder, they no longer are concerned about emulating whites but become more aware of expressing "black consciousness."

Gibson's reference to income's being an important variable in the cultural integration versus distinctiveness has been cited by others. Karon (1958) felt that among lower income blacks there was little pressure to conform to middle class standards, but for upper income blacks, it was important to match the accepted white ideal, and much of the behavior of upper income blacks was directed towards that end. Bauer and Cunningham's (1970) "strivers" were middle class blacks while the "non-strivers" were the lower class blacks. Feldman and Star (1968) found shopping patterns of blacks and whites with incomes over $5000 to be very similar while substantial differences existed between blacks and whites with incomes less than $5000.

Ness and Smith (1984) conducted research that supported earlier findings of Darden (1977) and Frazier (1957) that middle class blacks tend to embrace middle class attributes and values to an even greater extent than do whites. Yovovich (1982) reported on research that found that the differences between better educated, more affluent blacks and lower income, less educated blacks is greater than between middle class blacks and whites. In harmony with this, Kochman (1981) suggests that the black cultural perspective will be more prevalent among blacks at a lower socioeconomic level than among middle or upper income blacks, which follows the reasoning of Herskovits (1941).

Another factor is age. Bauer, Cunningham, and Wortzel (1965) indicated that younger blacks might adopt white middle class values less so than older blacks. Isaacs (1963) commented on the "black awareness" movement and activism among younger blacks relative to the fatalism of older blacks. Blauner (1972) feels the emphasis on black identity was largely a project of the younger generation, and it pervaded the black ethnic group as a whole and affected the entire society.

MULTICULTURALISM

Due to the discrepancy in the literature regarding whether blacks desire to behave like whites or differently from whites, this paper proposes that the concept of multiculturalism might provide a way to explain these conflicting results. Rather than attempting to show that blacks desire to exhibit behavior following values of strong ethnic identity or desire to behave in a manner that emulates whites, the multicultural concept says that blacks can display both behaviors. Because blacks in America have descended from African ancestry, it is reasonable to assume that elements of the African cultural heritage and its values have continued to have an impact on the present behavior of American blacks. However, it is also reasonable to assume that after being submerged in the dominant white culture with its European-based culture and values that blacks also exhibit behavior reflecting those elements. Blacks become like an ambidextrous athlete, or a switch hitter in baseball, capable of employing the behavioral style for which the situation calls.

Ramirez and Castaneda (1974) define multiculturalism as the ability to exhibit behavior based on extensive socialization and life experiences in two or more cultures. The multicultural person is capable of actively participating in these cultures and interacting with members of these sociocultural groups. The behavior of the multicultural person is flexible in that the person can be adaptable in employing the appropriate style for a variety of different environments demanded by the different cultures.

The reason this may seem foreign to many consumer behavior researchers who have examined black behavior is that acculturation has traditionally been viewed as a linear concept. Acculturation is treated as the polar opposite of ethnicity. In many studies ethnic individuals are categorized as ethnically bound or acculturated with nothing in-between as cited by O'Guinn and Faber (1985).

There has been progress in rectifying this fallacious conceptualization. Hair (1973, 1975) devised a measure of consumer acculturation and later refined it for black consumers. Chang (1972) included a third "bicultural" category. Kim (1979) viewed ethnicity and acculturation as anchor points along a continuum so that an individual may be perceived as being more or less acculturated at any given point in time. O'Guinn, Faber, and Meyer (1984) proposed an alternative conceptualization of acculturation by utilizing role theory in which individuals may be at different levels of acculturation for the different roles they assume. For example, an individual may behave in accord with his or her ethnic norms when at home with other family members but may adopt the cultural norms and behavior of the host society at work or school.

For the most part, though, research has been based on ethnicity and acculturation as part of a linear concept. For example, Valencia (1985) uses an index of "Hispanicness" which goes from high "Hispanicness" to low "Hispanicness" to whites. However, research by Ellis et al. (1985) on "Chineseness" points out that an ethnic group can hold values more closely linked with the dominant cultural values and members of the dominant cultural groups can rank high on the value-based measures of an ethnic group.

Research on the ways blacks have come to assert pride in ethnic identity has also been characterized as linear. Cross (1978) uses the term 11psychological nigrescence," or the process of becoming black. Cross (1973) identifies four stages of black-identity development: PreEncounter, Encounter, immersion, and Internalization. This process involves developing a sense of self and personal worth that explicitly takes its reference points from a perspective of Afro-American history and consciousness, rather than primarily from the frame of reference toward oneself and blacks dictated by white society (Jenkins 1982). Thomas and Thomas (1971) developed independently a model similar to the Cross model. The Thomas and Thomas model reviewed the stages of blacks moving from "negromachy" to seeking racial identity. Milliones (1980) posited four stages of Preconscious, Confrontation, Internalization, and Integration, which represent the different values and belief systems of blacks, similar to the process models of Cross and Thomas and Thomas.

The difficulty with the above conceptualizations is that they do not allow room for multiculturalism. They assume that an individual can display only the behavior of one culture. Yet Ramirez and Castaneda (1974) cogently show that there can be a cultural democracy. An individual can strongly identify with his or her ethnic group and still exhibit the ideals and values of a dominant culture.

For example, McFee (1968) identified multicultural orientations to life among some members of the Blackfeet Indian tribe living in a bicultural reservation community, providing both Anglo and Indian cultural models. Because these individuals developed and expanded a behavioral repertoire representing both cultures, McFee labeled these bicultural people the "150% person."

Valentine's research (1971) with black American youth in urban centers also identified subjects with multicultural orientations to life. Valentine observed that there was a great deal of flexibility in these multicultural subjects, noting that "each Afro-American ethnic segment draws upon a distinctive repertoire of standardized Afro-American behavior, and simultaneously, patterns derived from mainstream cultural systems of Euro-American derivation."

Not only is there evidence that blacks display multicultural behavior, but Mendoza (1984) suggests that being multicultural may be in the best interest of an ethnic group. He states that being monocultural in a multicultural environment can actually be more dysfunctional than being multicultural in a monocultural situation, and cites studies to back up this point. Zea (1974) even went so far as to suggest that multiculturalism is the vehicle by which oppressed peoples could escape the dependency that has been imposed upon them, with multicultural individuals acting as change agents between members of the cultures with which they interact.

AFRICAN AND EUROPEAN ROOTS

Most social science researchers agree that when blacks were brought to America as slaves they also brought with them a cultural background regarded as highly sophisticated. There is, however, controversy as to whether there are African survivals in the present day behavior of American blacks (Wilcox 1971).

Some scholars have held the view that the African heritage was all but obliterated by the institution of slavery. Frazier (1939) all but discounted the relevance of Africa in his analyses of black family life, arguing that because blacks and whites have been compatriots for over three hundred years their present culture and behavior are identical.

Other scholars hold that there are significant vestiges of the African heritage in American black culture, although it is admitted that there has been distortion in some instances, but by no means has the African heritage been totally wiped out. DuBois (1908) observed concerning the African antecedents of the patterns developed in America that in cases where the present conditions were connected with the African past, this was not because blacks could trace an unbroken social history from Africa, but because there was a distinct connection between Africa and American blacks, though broken and perverted, that should not be neglected by the serious scholar. DuBois noted, though, that the connection may have represented only traces due to the effectiveness of the slave system in practically devastating the transfusion of the African heritage.

African-based values and mainstream American middle class values based on European roots form the basis for the concept of multiculturalism displayed by American blacks. Conventionally, these two sets of beliefs are referred to as "traditional" versus "modern" beliefs and values. Castaneda (1977) indicates these two sets of values determines how one perceives the universe, the environment, and humanity's relations to them.

The African and European perspectives can be discussed across several dimensions, including the mind-body dualism, the superiority or lack of superiority of the rational process, oral-auditory versus the visual-written tradition, time management, concept of the future, individualism versus collective survival, control of the universe, and immortality.

The European frame of reference has historically placed emphasis on rugged individualism, competition, and achievement motivation within a future oriented context (McClelland 1961). Boykin (1983) describes the European based American cultural values as centering around effort optimism, material well-being, possessive individualism, egalitarian-based conformity, the democratization of equality, and a person-to-object orientation.

The African perspective tends to focus on a rhythmic-music-movement orientation, an emphasis on affect, communalism, expressive individualism, a social time perspective, orality, and a person-to-person orientation (Boykin 1983).

Boykin (1983) argues that it would be inappropriate to conclude that traditional African views and values have been transferred wholesale into the life experiences of American blacks, completely intact, unmitigated, and untransformed. He also states that it is unlikely that no meaningful cultural correspondences exist. He identifies nine realms or dimensions that manifest themselves in American black behavior that grew out of the belief system and orientation of traditional African society. They are the following:

1. Spirituality: approaching life as though its primary essence were vitalistic rather than mechanistic.

2. Harmony: seeing oneself as inextricably linked to one's surroundings.

3. Movement: the interwoven mosaic of movement, music, dance, rhythm, etc.

4. Verve: disdain for the routinized, the dull, and the bland.

5. Affect: integration of feelings with thoughts and actions.

6. Communalism: awareness of the interdependence of people.

7. Expressive Individualism: putting one's personal brand on an activity.

8. Orality: special sensitivity to oral expression to carry meaning.

9. Social Time Perspective: construing time primarily in terms of the significance of events and not to be bound to the clock.

A number of empirical studies provide support for this dichotomy of African and European roots in the behavior of different cultures. Graham (1981) shows how ethnic background can affect perception of time, while Belk (1984) recognizes the differences in group-based versus individual-based orientations between cultural groups and the impact on consumer behavior.

Reflecting the view of the African tradition, blacks should put more emphasis on peer acceptance, be more people oriented rather than individual oriented, put a heavy emphasis on affective responses in conjunction with cognitive responses, and display participatory behavior.

Cosmas and Sheth (1980) found that blacks were more responsive to opinion leaders ranking high on the dimension of peer influence and charisma. Silverstein and Krate (1975) reported on several studies showing blacks being more feeling oriented, more auditory and tactile rather than visual and written oriented, and better at acting out and interpreting the emotions of various actors.

Hedegard and Brown (1969) found that black students characterize their ideal teacher in terms of interpersonal prowess as opposed to technical proficiency. In the area of group versus individual orientation, Slavin (1983) in numerous studies has shown that black students learn significantly better in cooperative, group situations compared to white students, who learned better in individual, competitive situations. He hypothesizes that this may be due to the greater importance of peer groups among blacks. Sims (1979) examined black children and their sharing behavior and found a significant emphasis on the importance of the reference group for these children.

Rychlak (1977) developed an operational measure of affective assessment called "reinforcement value" (RV). He found that black subjects were more influenced by RV considerations in their learning behavior. He suggests that the RVlearning style for blacks may reflect the strong tendencies within the culture to emphasize the basic human affective assessment propensities.

A SIMPLIFIED MODEL OF THE MULTICULTURAL CONCEPT

Ramirez (1984) points out that the acculturation models which have influenced most of the research of social scientists with respect to members of ethnic groups could properly be called "conflict-replacement" models. They are based on the assumptions that 1.) the value-belief systems and life-styles of the ethnic group will be replaced with those of the mainstream culture, and 2.) as the individual becomes more assimilated into the mainstream culture, he or she experiences less conflict and more success. Under this conceptualization, the multicultural individual is viewed as being assimilated.

A multicultural approach to acculturation is better conceptualized as a "flexibilitysynthesis" model. According to Ramirez (1977), this represents a synthesis experience, or the bringing together o-f different cultural modules to arrive at a new combination of elements that make the individual a functioning multicultural.

The model for blacks in America is represented by a two-dimensional matrix. The vertical axis represents orientation toward European-based, "modern" values, while the horizontal axis represents orientation towards African-based, "traditional" values. This results in four quadrants which are labeled as follows:

1. Multiculturals (High Traditional and High Modern Values) - Blacks who have reached cultural democracy and can display both African-based and European-based values in their behavior.

2. Assimilables (Low Traditional and High Modern Values) - Blacks who display European-based values and who have been acculturated in the traditional sense.

3. Transitionals (Low Traditional and Low Modern Values) - Blacks who have given up African-based values but have not adopted European-based values.

4. Identifiers (High Traditional and Low Modern Values) - Blacks who display primarily African-based values in their behavior.

Some researchers have argued that "traditional" values among ethnic groups are a declining part of American society. However, this view is characteristic of the "conflict-replacement" view of acculturation. Based on the above "flexibility-synthesis" model, it is hypothesized that Multiculturals, representing both "traditional" and "modern" values, are a growing segment within ethnic groups. Further research, including the development of scales to measure subjects along the two dimensions, is needed to support this hypothesis.

MARKETING IMPLICATIONS AND FUTURE RESEARCH

Accepting the "flexibility-synthesis" model of multiculturalism in understanding the consumer behavior of American blacks can help to explain much of the confusion that has surrounded the question of cultural integration versus distinctiveness. The answer is that blacks can be cultural integrated and distinct, and it does not have to be an "either/or" issue. Although there are a number of implications and opportunities for further marketing research using the concept, only two areas will be briefly discussed.

The first is the growing emphasis in America on values and lifestyle perspectives of consumer behavior. Values and Life Styles (VALS), a typology of the American consumer created by Mitchell (1978), is being adopted by many marketers. As a result of this emphasis on self-images, aspirations, and product use, a number of terms have crept into the marketing parlance. For example, Young Urban Professionals (YUPPIES), Young Upwardly Mobile Professionals (YUMPPIES), Spoiled Kids of the Eighties (SKOTIES or YUPPY children), Fun Loving Youths En Route to Success (FLYERS) are just a few. Now the terms BUPPIES and BUMPPIES have cropped up. These are Black Urban Professionals and Black Upwardly Mobile Professionals. They are the direct result of middle class acceptance (Smith 1985). At one time middle class was viewed as suspicious, representing a loss of identity, "the bourgeois" (Frazier 1957). Previously the "black bourgeois" was viewed as trying to act like whites. Now the BUPPIES are showing whites how to act (Smith 1985).- They rep-resent blacks who maintain a strong cultural identity, often forming ethnic groups within their corporations and creating dialogues with management over minority concerns, but still enjoying the "good life," based on European-based values, They are the Multiculturals as described in the above model.

Another area involves the use of Black English in advertising to reach blacks. Sobers (1979) says it is a myth that blacks respond more to "slanguage" in advertising than to conventional English. Yet Smitherman and McGinnis (1977) argue that black speech is adequate for linguistic, social, and intellectual functions, and black scholars should advocate its legitimacy and usage in the home, on the job, in school, in the media, and in all institutional contexts. Labov (1985) conducted research that indicates the language gap between whites and blacks is actually widening, particularly among urban black youths. Many black leaders maintain that the perpetuation of the black dialect to foster racial distinctiveness is illogical, nonsensical, and harmful to building a better future for blacks as cited by Brasch (1981). Putting this issue in a multicultural context might open new avenues to understanding how linguistic expressions peculiar to the black culture could be adopted while at the same time fostering the use of conventional English. This could be useful to advertisers developing campaigns aimed at blacks.

CONCLUSION

The marketer is faced with the task of selecting appropriate marketing strategies to reach blacks, a sizeable ethnic segment with significant purchasing power. Previous research has not been clear on whether blacks desire to be assimilated into the mainstream culture or desire to be treated as culturally distinct. Much of this discrepancy has been due to the linear models of acculturation employed. Multiculturalism with its emphasis on cultural democracy is used as the basis to develop a four cell matrix based on "traditional" African and "modern" European cultural values. This approach opens the way to explore new approaches and develop new theories about effective marketing programs to reach blacks.

REFERENCES

Andreasen, Alan R. (1978), "The Ghetto Marketing Life Cycle: A Case of Underachievement," Journal of Marketing Research, 25 (February), 20-28.

Barry, Thomas E., Michael G. Harvey and Michael E. McGill, eds. (1976), Marketing and the Black Consumer: An Annotated Bibliography., Chicago: American Marketing Association.

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Areas Where VICOBA Operates In Tanzania

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How Groups are Facilitated To Manage the Model
Group formation:
Groups are voluntary formed by target village members post awareness creation campaign. They decide themselves who is to join them in the five units groups (collateral/pressure groups) and which unit group should join each other to make a VICOBA group of 30 members.

Governance:
Group members decide themselves the rules and regulations which should guide them. They select their own leaders; they decide their own share values and social protection contribution values. They decide themselves when and where to meet for their weekly bank operation and training sessions.

Bank Operations:
They command all bank operations on their own. They contribute their shares and social protection amounts on weekly basis. After 14 to 16 weeks of training they take loans to support already identified relevant and realistic projects. For the first few months they take short term loans of three months. Later when they have gained competency in entrepreneurship skills they take long term loans of six months. Each loan is returned to the group basket with added value. This together with gifts etc. swells up their capital basket.

Capacity building:
SEDIT provides technical skills to group members through a training period of fourteen to sixteen months. In it members are equipped with knowledge on the meaning and importance of a VICOBA group, meaning and importance of VICOBA group leadership committee, rules and regulations, conflict resolution skills, saving and credit operations guidelines, any cross cutting issues relevant to each particular community such as HIV/AIDS and finally entrepreneurship skills.

The Excellency of this Model:
- VICOBA is a model which is fully owned by the target communities. The management costs are all taken care of by group members alone under voluntary basis. It is less cost in its management activities.

- VICOBA is a model that can easily be accessed by all the poor at the grassroots. Unlike SACCOS in which some of those below poverty line fails to qualify as share holders. In VICOBA it is different because share values are planned by group members themselves.

- VICOBA model can be used to address other social evils such as Diseases and environmental destruction. WWF in RUMAKI project for instance targeted conservation of environment and wild life. SEDIT proposals for the campaign against HIV/AIDS are already worked out looking for a partner funding agent.

- VICOBA is fully down top in terms of decision making, planning, implementation and ownership. This guarantees sustained economic evolution in line with MKUKUTA strategy.

This is the secret why VICOBA members are becoming Millionaires everywhere.

VICOBA Performance Cases:
VICOBA lending scheme has already proved to be one of the better tools for community emancipation socially and economically in Tanzania. This is evident in the people benefiting from the scheme. There are a lot best performing cases but only few are explained here to represent others.

Ilala District VICOBA project:
In Ilala District VICOBA project, the 18 groups started between 2006 and 2008 under the facilitation of SEDIT have achieved an accumulation of approximately 110,000,000/=Tshs and dished out approximately 120,000,000/= Tshs loans to members in a period of eighteen months only.

Most groups started with a weekly shares value of 1,000/= but now because of an improved income of each group member, they have lifted up the value to 2,000/=

Mtwara VICOBA project:
Mtwara VICOBA project 1st phase which covers three Districts; Masasi, Newala and Nanyumbu started in 2007 (last year) under the Ministry of Finance poverty eradication department and SEDIT funded by UNDP has performed as shown below in less than two years. In its First Intake; Each District formed 12 groups and hence 36 groups in all three Districts. A Minimum capital raised by groups’ members is around 80,000,000/=

Orgut-SEDIT VICOBA project:
The project is funded by the Financial Sector Deepening Trust (FSDT). Orgut Consult and SEDIT execute the project jointly; Orgut being the project supervisor and SEDIT carries all technical issues of the project. The project is in three phases.

Intake one:
The intake covers five (5) districts, which are Ukerewe, Bunda, Serengeti, Musoma Rural and Tarime between August and September 2008. Each district already has 40 VICOBA groups. Each raise 80,000/= in estimate every week. In a month with four weeks a total of 12,800,000/= is raised in each District. Therefore, a total amount of 64,000,000/= is collected every month for five District.

Intake two:
This intake covers seven (7) districts. They are; Handeni and Kilindi in Tanga Region, Simanjiro, Kiteto, Babati and Hanang in Manyara Region and Singida rural in Singida between September and October 2008. Each raise a minimum of 85,000/= in estimate every week. In a month with four weeks a minimum total of 13,600,000/= is raised in each District. Therefore, a minimum total of 95,200,000/= is collected every month for seven District

Intake Three:
Is expected to start in January 2009 and will cover seven Districts which are Iramba in Singida Region, Karatu and Monduli in Arusha Region, Mbulu in Manyara Region, Dodoma Rural, Bahi and Kongwa in Dodoma Region.

CONSTRAINTS:
Cultural constraints:
In some places especially in rural areas, women who are potentially better performers are restricted from joining by their husbands on jealous grounds

Educational Level constraint:
In some communities members fail to grasp the advantages of the scheme just because of low understanding capacity reinforced by wrong perceptions.

Infrastructure Constraint:
Some communities are located in remote areas that cannot be easily accessed by facilitators and development agencies like SEDIT.

Lack of funds:
Some places with vulnerable communities remain uncovered because of lack of funds.

Some vital activities and support in the implementation package are sometimes skipped such as VICOBA trainer’s refresher course, leadership and financial management training to the group leaders, monitoring and evaluation of the existing VICOBA groups, seed money for groups to boost up their loan capital, etc.

HISTORIA YA VICOBA

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Historia ya Fupi ya Shirika na Shughuli Zake
SEDIT ni shirika lisilo la kiserikali lililosajiliwa Februari 23, 2005 chini ya Wizara ya Mambo ya Ndani ambalo makao makuu yake yapo Ilala Sharifu Shamba, kitalu namba 58. Shirika letu limekuwa likijihusisha na uanzishaji wa vikundi vya kuweka na kukopa katika maeneo mbalimbali nchini kwa kutumia mfumo wa VICOBA (Village Community Banks) ambao ulianzishwa na shirika letu hapa nchini mwaka 2002 kutokana na mfumo wa MMD (Mata Masu Dubara) ambo umekuwa na mafanikio makubwa katika nchi nyingi za Africa kama Niger, Zimbabwe, Msumbiji, Uganda, na Eritria.
Shirika la SEDIT limekuwa likisaidiana na Mashirika mengine yasiyo ya kiserikali ya ndani na nje, Taasisi mbalimabi pamoja na Serikali hususani Wizara ya Mipango, Uchumi na Uwezeshaji Kitengo cha Kuondoa Umasikini katika kuanzisha na kusimamia mfumo huu wa VICOBA katika maeneo mbalimbali ya Tanzania. Miongoni mwa Taasisi na Mashirika hayo pamoja na maeneo waliyoanzisha mfumo huu katika mabano ni kama ifuatavyo: World Conference on Religion and Peace-WCRP/TZ (Kisarawe na Ukonga), miradi miwili ya kilimo inayoendeshwa na shirika la CARE Tanzania (Magu na Misungwi mkoani Mwanza), Mradi wa Hifadhi ya Milima ya Mahale (Kigoma Vijijini), Mradi wa Hifadhi ya Mto Ruaha Mkuu (Mbarali, mkoa wa Mbeya) pamoja na hifadhi za milima ya Udzungwa, Morogoro na Iringa katika wilaya ya Kilolo), mradi wa uhifadhi milima ya Mpanga/ Kipengele (Njombe na Makete), mradi wa uhifadhi maliasili za baharini na pwani (Rufiji, Mafia na Kilwa) inayosimamaiwa na shirika lisilo la kiserikali la WWF - Tanzania.

Pia miradi mingine ni pamoja na: mradi wa usimamizi wa barabara za wilaya na kuinua kipato cha wananchi unaoendeshwa katika Tarafa ya Matombo na ITECO Engineering kwa kusaidiana na Halmashauri ya Wilaya ya Morogoro (V), Mradi wa hifadhi ya misitu wa Ruvu Kusini na Kibaha unaoendeshwa na Shirika la CARE Tanzania, na mradi wa kuhifadhi ardhi na kuongeza kipato cha jamii (LAMP) unaoendeshwa katika wilaya ya Simanjiro, Kiteto, Babati (mkoa wa Manyara) na Singida vijijini unaofadhiliwa na shirika la kimataifa la SIDA, mradi wa kuhifadhi mazingira (FLORESTA) uliopo Marangu na maradi wa maendeleo ya wananchi wa kata ya Mletele (Songea). Miradi hii yote imeweza kuendesha mradi wa VICOBA kwa ufanisi mkubwa kwa kutumia wataalamu kutoka SEDIT.

Kutokana na mafanikio haya, mwaka jana 2007, SEDIT iliamua kuanzisha vikundi vya kuweka na kukopa kwa kutumia mfumo wa VICOBA katika mkoa wa Dar es salaam Manispaa ya Ilala. ambapo katika awamu ya kwanza, (Januari hadi Desemba 2007), SEDIT imeweza kuanzisha jumla ya vikundi 10 vyenye wastani wa wanachama 25 kila kikundi katika katika maeneo yafuatayo: Kata ya Segerea mtaa wa Segerea (kikundi 1) na mtaa wa Kisukuru (vikundi 4), Kata ya Kinyerezi mtaa wa Kinyerezi (vikundi 5). Vikundi hivi 10 katika kipindi cha mwaka mmoja tu vimeweza kukusanya jumla ya Shs, 45,000,000/= kutoka kwa wanachama wake kwa njia ya kujiwekea akiba. Aidha wanachama wapatao 250 kutoka kwenye vikundi hivi wameweza kunufaika na mikopo ya biashara yenye thamani ya Shs. 55,000,000/= pamoja na mikopo ya kutatulia matatizo ya kijamii kwa wanachama na familia zao yenye thamani ya Shs. 5,000,000/=

Katika kipindi cha kuanzia Januari - Desemba, 2008, shirika la SEDIT limeazimia kuunda vikundi vya VICOBA 30 katika Manispaa ya Ilala hususani kutoka katika maeneo ya Tabata, Kinyerezi, Kisukuru, Buguruni, Vingunguti na Ilala na kupanua mradi kwenda katika maeneo mengine ya mkoa wa Dar es Salaam. Hivyo basi kwa sasa SEDIT inaendelea kupanua huduma zake za uanzishwaji wa vikundi katika maeneo hayo yaliyotajwa hapo juu.

Lengo kuu la mradi huu ni kusaidia jitihada za serikali za kuinua kipato cha wananchi na kuondoa umasikini. Katika kutekeleza azma hii shirika letu la SEDIT limekuwa likihamasisha wananchi kuunda vikundi vya VICOBA vyenye wanachama 25 hadi 30 kwa kila kikundi, kutoa mafunzo ya kujenga uwezo wa wanachama ili kuweza kusimamia miradi wanayoibuni.

Ili kupunguza tatizo la mitaji kwa wanachama, shirika la SEDIT limekuwa likisaidia katika kuanzisha na kusimamia mifuko ya vikundi ambayo huchangiwa na wanachama kwa njia ya Hisa ambapo wahisani mbalimbali huhamasishwa kusaidia jitihada za wanachama ili kutunisha mifuko hiyo. Mifuko hiyo hutumika kutoa mikopo yenye masharti nafuu kwa wanachama kwa ajili ya kuendesha biashara zao. Shirika letu pia limekuwa likisadia katika kutafiti na kuandaa mtandao wa masoko (market links) kwa wazalishaji wadogo wanaoshiriki katika mpango huu.

HISTORIA YA MFUMO WA VICOBA

MUUNDO, KANUNI NA TARATIBU ZA MFUMO WA KUWEKA NA KUKOPA VIJIJINI (VILLAGE COMMUNITY BANKS - VICOBA)

A) UTANGULIZI:
Mfumo wa Kuweka na Kukopa Vijijini (Village Community Banks - VICOBA) ni mpya hapa nchini kwetu, mfumo huu uliingizwa nchini na Shirika la CARE International, Tanzania mwaka 2000 na kuendeshwa kwa mara ya kwanza katika visiwa vya Ungunja na Pemba huko Zanzibar ambako unajulikana kwa jina la Jozani Savings and Credit Association - JOSACA

Mfumo wa VICOBA umeundwa kutokana na mfumo mama wa “Mata Masu Dubara - MMD’’ yaani Wanawake katika harakati za kutafuta maendeleo ulioundwa na Shirika la CARE International Niger mwaka 1991. Mradi huu ulianzishwa ili kusaidia kufanikisha jitihada za akinamama waishio vijijini za kupambana na umaskini kwa kujenga uwezo wao wa mitaji, kuwapatia elimu ya kibiashara na kuimarisha mshikamano na ushirikiano miongoni mwao.

Mradi wa MMD ulionyesha mafanikio makubwa sana katika mwaka wa kwanza ambapo Serikali ya Niger iliamua kushirikiana na Shirika la CARE Niger na kueneza mradi huu katika maeneo mengine mengi ya vijijini. Baada ya miaka mitatu ya uendeshaji mradi wa MMD uliweza kuhudumia wanachama wapatao 80,000. Kutokana mafanikio hayo mradi huo ulichangia kupanda kwa kipato cha wanachama wake kwa wastani wa asilimia hamsini (50%), na kwa hivyo kuwawezesha kumudu gharama za familia zao na kuchangia shughuli za maendeleo ya maeneo yao. Kwa ufupi mradi huu ulichangia kuongezeka kwa uzalishaji katika maeneo husika na kujenga ufahamu juu ya mbinu bora za maisha na kukuza ushirikiano miongoni mwa wananchi waishio vijijini.

Baada ya kuonyesha mafanikio mazuri viongozi wa shirika la CARE Zimbambwe, Msumbiji, na Uganda waliamua kuanzisha mfumo huu mpya wa kuweka na kukopa ili kuharakisha maendeleo ya watu na kuleta ufanisi mkubwa wa miradi yao. Uanzishwaji wa mfumo wa MMD katika nchi zilizotajwa hapo ju ulifanyika kama ifuatavyo: mwaka 1994 (Zimbambwe), 1996 (Msumbiji), na 1998 (West Nile - Uganda) ambapo sehemu hizo zote mfumo huu umeonyesha mafanikio mazuri, hii ikiwa ni pamoja na kuinua uzalishaji wa mazao ya kilimo na kuboresha utoaji wa huduma za kijamii vijijni, na kuchangia maendeleo ya kitaifa kwa kiwango kikubwa.

Katika nchi ya Msumbiji mfumo huu huitwa Ophavela na CARE Uganda huita JENGA yaani Joint Encouragement for New Gainful Activities.

Baada ya Shirika la CARE International, Tanzania kutambua mafanikio makubwa ya mfumo huu mwezi Oktoba 2000 lilituma maafisa wake kwenda kutembelea mradi wa JENGA nchini Uganda mmoja wapo akiwa ni Mr. George Sweveta mwenyekiti wa shirika la SEDIT kwa sasa, kujifunza mfumo huu ili uanzishwe katika miradi ya maendeleo inayoendeshwa na Shirika hilo hapa nchini hususani Visiwa vya Zanzibar, Magu na Misungwi mkoa wa Mwanza. Maafisa hao baada ya kurejea nchini walianzisha mradi majaribio wa kuweka na kukopa kwenye maeneo yanayozunguka msitu wa Jozani na Ghuba ya Chwaka huko Unguja, Zanzibar ambao unaitwa Jozani Savings and Credit Association (JOSACA) kwa lengo la kuwasaidia wananchi wa maeneo hayo ya hifadhi kuboresha kuboresha maisha yao kwa kuendesha miradi endelevu isiyoharibu mazingira.

Mradi wa Jozani, Zanzibar umeonyesha mafanikio makubwa sana kwa mwaka 2001 na 2002 kiasi cha kuwa mfano kwa miradi mingine ya mazingira na maendeleo ya jamii inavyoendeshwa na Shirika la CARE International kwa nchi zilizo kusini nwa jangwa la Sahara.

B) HUDUMA ZINAZOTOLEWA NA MFUMO WA (VICOBA)
i) Uhamasishaji wa jamii na uundaji wa Vikundi vya Kuweka na Kukopa Vijijini (VICOBA) vinavyoendesha shughuli zao za kibenki wao wenyewe kwa njia ya kujitolea’
ii) Kusaidia vikundi katika kuaandaa vifaa vya kibenki na makala za kufundishia
iii) Kutoa mafunzo ya uongozi wa vikundi na mafunzo ya kuweka na kukopa katika maeneo yao
iv) Kutoa mafunzo ya biashara yanayolenga katika kuwawezesha wanachama kuweza kuchagua miradi mizuri ya kiuchumi, kuandaa mipango mizuri ya kuanzisha na kuendesha miradi yao ma mbinu za kusimamaia miradi hiyo kwa faidi.
v) Kutoa mafunzo ya teknolojia nyepesi kwa wazalishaji wadogo wadogo
vi) Kufanya utafiti wa masoko, kuandaa mikakati ya masoko kwa wazalishaji wadogo wadogo
vii) Kufanya tathmini ya uazalishaji na uendeshaji wa shughuli za kibenki, na kutoa ushauri kwa vikundi husika.
viii) Kusadia vikundi vya wazalishaji wadogo wadogo kubuni miradi endelevu ya kiuchumi, kusaidia kuratibu na kufuatilia usambazaji wa pembejeo na raslimali zingine za kibiashara.

C) MAFANIKIO YA MFUMO WA VICOBA NCHINI
Mradi wa Hifadhi ya Msitu wa Jozani na Kisiwa cha Misali, Zanzibar ni mfano mzuri sana wa kuigwa hapa nchini, ambapo hadi sasa wananchi wapatao 2144 (Vikundi 78) wamekwisha faidika na huduma hizo katika visiwa vya Unguja na Pemba

Kwa upande wa Tanzania Mfumo wa VICOBA hutumiwa na taasisi na Asasi mbalimbali za kimaendeleo ili kusaidia kuharakisha maendeleo ya jamii katika maeneo mabalimbali nchini na kuhifadhi mazingira. Miongoni mwa Taasisi na Mashirika hayo na maeneo waliyoanzisha mfumo huu katika mabano ni pamoja na: Mradi wa maendeleo wa wananchi wa kata ya Mletele (Kata ya Mletele, Songea), World Conference on Religion and Peace-WCRP/TZ (Wilaya ya Kisarawe), Shirika la Uhifadhi wa maliasili na mazingira - WCST (Hifadhi ya misitu ya Pugu na Kazimzumbwi, Kisarawe, Pwani), Miradi miwili ya kilimo inayoendeshwa ya Shirika la CARE Tanzania katika wilaya za Magu na Misungwi Mkoani Mwanza, Mradi wa Hifadhi wa Milima ya Mahale katika mkoa wa Kigoma, Mradi wa Hifadhi wa Mto Ruaha Mkuu katika wilay ya Mbarali katika Mkoa wa Mbeya pamoja na hifadhi za milima ya Udzungwa na Mpanga - Kipengele iliyoko mikoa ya Morogoro na Iringa inayosimamiwa na shirika lisilo la kiserikali la WWF - Tanzania, Mradi wa usimamizi wa barabara za wilaya na kuinua kipato cha wananchi unaoendeshwa katika tarafa ya Matombo na kampuni ya ITECO Engineering kwa kushirikiana na Halmashauri ya Wilaya ya Morogoro Vijijini, Mradi wa Hifadhi ya misitu wa Ruvu Kusini, Kibaha unaoendeshwa na Shirika la CARE Tanzania, na Mradi wa Hifadhi ya Ardhi na kuongeza kipato cha jamii (LAMP) unaoendeshwa katika wilaya za Simanjiro, Kiteto, Babati (Mkoa wa Manyara) na Singida Vijijini unaofadhiliwa na shirika la CIDA.

Kutokana na mafanikio makubwa yanayoendelea kupatikana kutokana na mfumo wa VICOBA, mashirika mengi tayari yameonyesha nia ya kutumia mfumo huu katika miradi yao ndani na nje ya nchi yetu.

Kukuubalika kwa mfumo huu nchini kunatokana na ufanisi wake katika kuwaletea maendeleo ya uhakika wananchi waishio vijijini ambao kwa miaka mingi wamehangaika kujikomboa na hali duni ya maisha yao kwa kutumia njia mbalimbali bila mafanikio. Isitoshe mfumo wa VICOBA huendesha shughuli za kuweka na kukopa kutokana na raslimali (hisa) zinazochangwa na wanachama wa vikund husika bila kutegemea sana msaada wa wafadhili na kusimam,iwa na wao wenyewe. Hali hii inawafanya waweze kuanzisha mradi haraka na bila matatizo makubwa na kuendesha shughuli zao kwa hali ya uelewano zaidi.

Idadi ya watanzania walikwisha jiunga na mfumo wa VICOBA hadi sasa inakadiriwa kuwa 25,542 sawa na vikundi 912 vyenye wastani wa wanachama 28 kila kimoja.

Wastani wa hisa zilizokusanywa na wanachama wote 25,542 inakadiliwa kufikia Tanzania shilingi 2,298,780,000 ambayo ni wastani wa thamani ya hisa sabini elfu za kila mwanachama, na kiwango cha jumla ya mikopo iliyo tolewa kwa vipindi tofauti kwa wanachama wote tangu mpango huu uanze mwaka 2001 inakadiriwa kufikia zaidi ya Tanzania shilingi 3,065,040,000 (Bilioni tatu, milioni sitini na tano na arobaini elfu tu) ambayo ni wastani wa mkopo wa shilingi laki moja na ishirini tu .

Vikundi vya Zanzibar vilivyoanzishwa mwaka 2001 vimefanikiwa kuweka hisa zenye dhamani ya kati ya Tsh. 5,000,000 na 50,000,000. Wanachama wa vikundi hivi wameweza kuboresha maisha ya familia zao kwa kiwango kikubwa ikiwa ni pamoja na kuanzisha miradi ya kudumu ya kiuchumi kama vile: kufungua mashamba ya miti, kununua vyombo vya usafiri, ufugaji wa nyuki, na kujenga nyumba bora za kuishi, kusomesha watoto wao, nk.

Pamoja na mafanikio haya makubwa vikund vy VICOBA Zanzibar pia vinachangia uboreshaji wa huduma za kijamii vijijni kama vile: ujenzi wa madarasa wa shule za msingi, ujenzi wa shule za awali, uingizaji wa umeme vijijini na kugharamia uingizaji wa maji ya bomba vijijni.

D) UIMARA WA MFUMO WA VICOBA DHIDI YA MIFUMO MINGINE YA KUWEKA NA KUKOPA NCHINI

1. Ni mfumo unaomilikiwa na kusimamiwa na wanachama wenyewe

2. Utendaji wa kazi zote hufanywa kwa njia ya kujitolea (bila kugharimu malipo yoyote)

3. Ni mfumo unaozingatia zaidi kujenga uwezo wa walengwa kimtaji na kiujuzi ili walengwa waweze kubuni miradi endelevu ya kifamilia na kuitumia vizuri mikopo wanayochukua kutoka kwenye benki za vikundi vyao

4. Ni mfumo rahisi katika kuendesha, unaotumia kumbukumbu rahisi zinazobuniwa kulingana na mazingira; kiwango cha ufahamu, mila na desturi za wanachama wa kikundi husika. Mfumo huu umeundawa kwa kuzingatia mifumo asilia wa uendeshaji wa shughuli za kuweka na kukopa wa kiafrika (UPATU)

5. Ni mfumo unaoweza kuanzisha mfuko wa kuweka na kukopa kwa kutumia hisa za wanachama wa kikundi na mapato mengine ya kikundi bila kutegemea sana kupatikana kwa msaada wa mitaji toka kwa wafadhili au kuchukua mikopo yenye masharti magumu.

6. Mfumo huu hujumuisha watu wa rika, jinsia na itikadi zote bila kubagua ili mradi wanao uwezo wa kutekeleza kikamilifu malengo na shughuli za kikundi chao

7. Ni mfumo unaoendeshwa kwa uwazi zaidi na ushirikishwaji wa wananchama wote wa kikundi kwa kutumia taratibu walizopanga wao wenyewe kwa kuzingatia mahtaji yao, mazingira na uwezo wao wa kutenda mambo.

8. Faida inayopatikana kutokana na shughuli za kikundi hugawanywa kwa wanachama.kwa kuzingatia mchango wa kila mmoja wao kwenye mfuk wa kikundi

9. Ni mfumo unaotoa fursa ya kuundwa kwa benki za kijamii za Wilaya, Tarafa au Kata kwa njia ya kuunganisha rasilimali za vikundi vya maeneo husika pamoja wawekezaji wengine binafsi

10. Mfumo huu unaruhusu kuanzishwa huduma nyingine za kijamii na kifedha ambazo zinasaidia katika kupunguza kasi ya ukali wa maisha, kuleta ufanisi wa kibiashara katika familia za wanachama na jamii kwa ujumla na hivyo kuweza kuleta maendeleo kamilifu katika jamii

11. Mfumo wa VICOBA ni mfumo shirikishi unaojengwa katika msingi ya upendo, ushirikiano na kuaminiana miongoni mwa wanachama wa kikundi. Kutokana na sharti hili muhimu, mfumo huu unachangia kwa kiasi kikubwa katika kurekebisha tabia za watu wenye tabia mbaya na wasiokubalika katika jamii na kuwafanya wawe raia wema, ili wakubalike kwenye vikundi na kudhaminiwa na wenzao

12. Mfumo huu unalenga katika kubadilisha taratibu mbaya (zisizoendelevu) za maisha na kuziwezesha familia hizo kujiewekea malengo maalum ya maisha na kuandaa na kuitekeleza mikakati ya kuyafikia malengo yao hatua kwa hatua. Hii ni pamoja na kuwa na matumizi mazuri ya fedha kutika familia, kujituma katika kufanya kazi.

13. Mfumo huu unaurahisi wa kupata mikopo ya masharti nafuu kijijini na husaidia kuwawezesha wakijiji (wanachama) kujiwekea hisa kila wiki katika benki yao katika eneo husika na kwa kiwango kidogo kulingana na uwezo wao pasipo na gharama yoyote..

E) MUUNDO NA TARATIBU ZA UENDESHAJI VIKUNDI VYA VICOBA

Muundo wa uongozi kikundi cha VICOBA huundwa na wajumbe tisa ambao huchaguliwa kidemokrasia kwa kuzingatia kazi za kila kiongozi na uwezo walionao. Miongoni mwa viongozi hawa ni: wajumbe watano wa Kamati Tendaji yaani Mwenyekiti, Katibu, Mweka Hazina, na wahesabuji fedha wawili. Kundi la pili ni la viongozi wa kikundi ni: washika funguo za sanduku la kikundi watatu na munza nidhamu wa kikundi.

Viongozi hawa huchaguliwa kidemokrasia na wanachama wote kwa kuzingatia sifa walizonazo katika kuongoza kikundi. Viongozi hawa hubaki madarakani kwa mzunguko mmoja ambapo sawa na miezi 9 - au zaidi

Mzunguko wa kikundi hufungwa kwa muda wa wiki moja (1) hadi tatu (3), mara nyingi hii, hufanywa wakati wa sherehe za kidini au za mwisho wa mwaka au wakati wa kazi nyingi za kilimo, ukame, au uhaba mkubwa wa chakula, maji nk.

Hisa zote zinazopatikana hugawanywa kwa wanachama pamoja na faida ili kusaidia kulipia gharama mbalimbali za familia kama vile kilimo, kununua chakula, nguo, ada za shule za watoto, na kugharamia sherehe na matumizi mengine mhimu ya familia.

Mzunguko hufungwa ili kutoa nafasi ya kutosha kwa wanachama kushiriki kikamilifu katika kutatua matatizo yanayozikabili familia zao kipindi hicho. Mzunguko mpya huanza mara ya muda uliopangwa kupunzika kwisha. Marekebisho mhimu ya sheria za kikundi, uongozi na taratibu za kuendesha mikutano ni mhimu kufanyika wakat wa kufunga mzunguko ili kuboresha ufanisi wa kikundi katika mzunguko unaofuata.

F) TARATIBU ZA UENDESHAJI WA SHUGHULI ZA VIKUNDI

Shughuli zote za vikundi vya VICOBA huendeshwa na wanavikundi wenyewe kwa njia ya kujitolea. Uzoefu unaonyesha kuwa wanavikundi huweza kuendesha vizuri shughuli zao baada ya kupatiwa mafunzo haya ya uongozi na usimamizi wa kazi za vikundi kutoka kwa wataalam wa mfumo wa VICOBA.

Kazi/wajibu wa wanakikundi ni:
- Kushiriki kwenye mikutano na mafunzo ya vikundi.
- Kuweka hisa za kila wiki.
- Kuendesha miradi ya kiuchumi.
- Kuchukua mikopo na kurejesha.
- Kuchangia mfuko wa jamii na bima ya mikopo.
- Kushiriki kikamilifu katika kuendesha miradi ya pamoja ya kikundi
Vikundi vya VICOBA huandaa mipango yao na kufanya maamuzi yote kwa njia ya vikao ; ambavyo ni mkutano wa kila wiki , Mkutano mkuu maalumu na mkutano mkuu wa kawaida wa mwaka.

G) HAKI YA KISHERIA YA VIKUNDI VYA VICOBA
Kwa sasa vikundi hivi huendesha shughuli zao chini ya sheria ya sekta isiyo rasmi na kuendesha shughuli zake chini ya uangalizi/ ulezi wa serikali za mitaa au halmashauri za miji na wilaya husika. Vikundi vinavyofadhiliwa na mashirika hulelewa na kupatiwa msaada wa kitaalam kupia mashirika yao pamoja na ofisi za serikali za maeneo yaonayohusika. Ili kuhakikisha taratibu zao zinafuatwa kikamilifu na wanachama wake ni mhimu vikundi kujitungia sheria ndogo ili kuthibiti ukiukaji wa taratibu zilizowekwa na kuhakikisha kwamba kila mmoja anawajibika ipasavyo.

H) MPANGO WA MAFUNZO WA VIKUNDI VYA VICOBA
Mafunzo ndio shughuli inayopewa kipaumbele zaidi katika mfumo huu wa VICOBA. Hii ni kwa sababu tafiti mbalimbali zilizofanyika zinaonyesha kuwa kukosekana kwa ujuzi an mbinu za kibiashara ndio kiini cha matatizo yanayozorotosha jitihada za kuleta maendeleo endelevu nchini husuan kwa wananchi waishio vijijini.

I) AINA YA MAFUNZO

Mafunzo ya mfumo wa VICOBA yamegawanyika katika makundi makubwa matatu ambayo ni:-
(a) Mafunzo ya uongozi wa kikundi na uendeshaji wa shughuli za kuweka na kukopa
(b) Mafunzo ya mbinu za biashara ya “ kuchagua, kupanga na kusimamia mradi wa ki-uchumi”
(c) Mafunzo ya teknolojia rahisi za kuboresha ujuzi wa uzalishaji wa bidhaa za wana-kikundi kama vile ufugaji wa nyuki, (Bee keeping) kilimo bora cha mbogamboga kazi za mikono n.k

Mafunzo haya hutolewa kabla ya wanachama wa kikundi kuchukua mkopo. Lengo la mafunzo haya ni kuwaandaa wana-kikundi kiujuzi na kuwawezesha, kubuni, miradi mizuri ya kiuchumi na kuandaa mipango ya namna nzuri ya kuendesha na kusimamia biashara hizo.

Mafunzo ya Kuweka na Kukopa na yale ya mbinu za biashara hutolewa kwa kipindi 12 kila wiki wanakikundi hufundishwa kipindi kimoja. Wakati huu wa mafunzo pia huweka akiba zao kwa njjia ya hisa ili kutunisha mfuko wao ambao baadaye hutumika kwa kukopeshana.

Mafunzo ya teknolojia rahisi hutolewa kwa wana-kikundi wanaoiendesha miradi ya uzalishaji bidhaa mbalimbali kama vile kazi za mikono, ufugaji, kilimo cha mbogamboga na shughuli zingine zinazohitaji ubunifu na mafunzo maalum. Mafunzo haya hutolewa ili kuongeza ubora wa bidhaa zinazozalishwa

Uchangiaji wa gharama za mafunzo
Kwa kawaida wanachama wa VICOBA hufundishwa mafunzo wanayotaka wao wenyewe. Vikundi vimeanzishiwa mfuko wa mafunzo ambao kila mwanachama huchangia kiasi kidogo cha fedha kwa ajili ya kuchangia gharama za mafunzo haya.

Kutokana na uwezo mdogo wa wanvikundi, wafadhili mbalimbali ikiwemo Serikali na Mashirika yasiyo ya kiserikali yamekuwa yakijitokeza kuchangia gharama ya mafunzo haya. Mfano Mashirika ya CARE Tanzania, WCRP, WCST, WWF, Ofisi ya Makamu wa Rais, WWF Tanzania, ITECO Engineering, Halmashauri ya Wilaya ya Kisarawe, Uropean Union, shirika lisilo la kiserikali la LAMP, Orgut nk

J) TARATIBU ZA UWEKAJI HISA ZA WANACHAMA
Kulingana sheria mama za mfumo huu wa VICOBA, mwanachama anatakiwa kuweka hisa 1-3 kila wiki. Kiwango cha hisa huamuliwa na wanakikundi wenyewe. Hata hivyo, kulingana na thamani ya fedha yetu kiwango cha chini kinachoweza kumnufaisha mwanachama kwa sasa ni shilingi mia tano (500). Mwanachama anaruhusiwa kuweka hisa moja, mbili hadi tatu kila wiki ili kutunisha mfuko.

Matumizi ya Hisa ya mwanachama

Hisa ni muhimu zana kwa mwanachma kwa sababu zifuatazo:
(i) Ni akiba ya mwanachama ambayo huichukua mwishoni mwa mzunguko pamoja na faida au wakati mwingine wowote apatapo matatizo kulingana sheria za kikundi chao. Kwa kawaida hisa zinazochukuliwa katikati ya mzunguko hutolewa bila faida
(ii) Hisa hutumika kama kigezo ch akujua kiwango cha mkopo ambacho mwanachama wa kikundi anaweza kuomba kutoka kwenye benki yao. Mumo wa VICOBA unamruhusu mwanachama kuchukua mkopo hadi mara tatu ya hisa alizoweka. Hata hivyo, uamuzi wa kupatiwa mkopo huo utazingatia matumizi na uhakika wa mwanachama kumudu kurejesha kwa wakati unaotakiwa.
(iii) Hisa hutumika kama dhamana ya mkopo unaotolewa kwa mwanachama wa kikundi kidogo cha watu watano (5). Dhamana ya awali ni ya mkopaji mwenyewe (Primary Guarantor) na dhamana ya pili ni ya wanachama wenzake wane (4) wa kikundi kidogo (Secondary Guarantors)

Hii inamaanisha kuwa ili kuhakikisha kuwa mikopo yote inayotolewa kwa wanachama 5 wa kikundi kidogo inadhaminiwa kikamilifu mambo yafuatayo yanatakiwa kuzingatiwa:
(a) Wanachama wa kikundi kidogo wasiruhusiwe kuchukua mkopo wakati mmoja. Tofauti ya mwezi mmoja hadi miezi miwilli ni kipindi kizuri kwa wastani wa watu wawili wawili kila awamu
(b) Kunatakiwa pawepo na makubaliano maalum baina ya mwanachama anayekopa na wale wanaomdhamini juu ya hatua zinazoweza kuchukuliwa na wadhamini endepo mdhaminiwa hatatimiza wajibu wa kulipa deni lake kwa uzembe
(c) Mwanachama anyekopa kutoka kwenye benki ya kikundi anatakiwa kuchangia mfuko wa bima ya majanga itakayokubaliwa na kikundi kwa mfano kufariki kwa mkopaji, kuugua kwa muda mrefu na kupoteza uwezo wa kufanya kazi/ kulemaa kwa mkopaji kuunguliwa au kuibiwa mali za biashara ya mkopaji, ukame, nk

Taratibu za utoaji na urejeshaji wa mikopo

Mikopo inayotolewa kwa wanachama wa VICOBA unatakiwa kurejeshwa na nyongeza (Interest) ndogo ambayo hutumika kwa kutunisha mfuko wa kikundi. Nyongeza hii hugawanywa kma faida kwa wanachama kwa kuzingatia kiwango cha hisa alizoweka kila mmoja. Mikopo ya mwanzo ambayo kwa kawaida huwa midogo kuliko mikopo inayofuata hutakiwa kulipwa kwa kipindi cha miezi 3 – 6. Lengo ni kumwezesha mkopaji aweze kulipa haraka na kuchukua mkopo mkubwa pale hisa zake zinavyopanda ambao utamwezesha kumudu kuanzisha na kuendesha biashara madhubuti zaidi

Mfumo wa VICOBA unamtaka mkopaji kurejesha mkopo aliokopa mwishoni mwa kipindi cha mkopo wake kwa awamu moja. Mkopaji anatakiwa kulipa sehemu ya nyongeza inayoiva kila ifikapo wiki ya mwisho ya mwezi. Sehemu ya mwisho hulipwa pamoja na mkopo

Mfano:
Endapo mwanachama atakapokopeshwa shilingi 100, 000.00 kwa nyongeza ya 10% (10,000.00) kwa kipindi cha miezi mitatu atarejesha kama ifuatavyo:-

Mwezi wa 1 Mwezi wa 2 Mwezi wa 3 Jumla
3,400 3,300 3,300 100,000 110,000

Endapo mkopo wa thamani hiyo hiyo (Shilingi 100, 000.00) utarejeshwa kwa kipindi cha miezi sita kwa gharama (nyongeza) ya asilimia ishilini 20% (20,000.00), marejesho yatakuwa kama ifuatavyo:-

Mwezi wa 1 Mwezi wa 2 Mwezi
wa 3 Mwezi
wa 4 Mwezi wa 5 Mwezi
wa 6 Jumla
3,400 3,400 3,300 3,300 3,300 3,300 100,000 120,000

Kwa kawaida mwanachama anayemaliza kurejesha mkopo wake vizuri anaruhhusiwa kuomba mkopo mwingine mara moja ili kufidia pengo la mtaji katika bishara yake.

Ufuatiliaji na Uthibiti wa shughuli za vikundi vya VICOBA

Makatibu wa vikundi vya VICOBA wanatakiwa kufuatilia mwenendo wa vikundi vyao na kuandaa taarifa za kila mwezi, miezi mitatu na taarifa za kila mwaka ambazo hujadiliwa na kupitishwa na mikutano mikuu ya vikundi vyao.

Afisa (Mkufunzi) anatakiwa kutoa maelekezo na msaada wa kiufundi pale inapobidi na kuwajulisha wafadhali wa vikundi na wadau wengine juu ya maendeleo ya vikundi kadiri inavyotakiwa.

VICOBA MEMBERS

sedit p05 vicoba members
sedit p04 vicoba members
sedit p03 vicoba members singing vicoba motto

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Welcome to Sedit

'Facilitating participation of rural and urban communities in Poverty Eradication with innovative solutions, approaches and professional services through teamwork'
SEDIT is a registered non-governmental, non-political, non-religious organization which has been established with the mandate of bringing social and economic development for the majority rural and urban Tanzanians. It is a local NGO with a profile detailed in this attachment.

We believe that to be aware of partners in poverty eradication warfield is by itself a tool by which the enemy is defeated.