More About PAMOJA
PAMOJA is a new strategy born of CCMP to address the question of capital to poor people. In our recent review we noted that many people awakened as results of CCMP mobilization meetings sometimes stack at some point due to limited capital to invest in their Income Generating Activities (IGA). PAMOJA was therefore established due to the fact that many poor people especially those in the rural areas lack access to financial institutions; hence became susceptible to extreme poverty as they cannot manage to run many economic activities.
PAMOJA program is capital formation program which build capacity of groups members raising capital and run socio-economic activities to increase their income and meet their daily needs. The program is therefore complimenting CCMP and has been accepted in the communities where groups have been formed, and already good progress have been seen whereby the speed of saving happily money hopping to get a room for taking loan in the future to come. The loan is taken with an agreed interest which is always reasonable and affordable as compared to other microfinance institutions.
PAMOJA gives people the opportunity to run small business and generating income. People are saving for a year and have loan to improve their living conditions. PAMOJA give microloan for social entrepreneurship and create a sense of ownership and take out dependency and prevent people from having a stake in their future.
I believe that PAMOJA can be one of the biggest players in the war against poverty. It is not so because of its ability to provide and bring people together but because it deals with other social and community issues.
The program is trying to address more social issues and more economic development in the community and in Churches so that their businesses can grow. This will create these vast and rapidly growing networks of group members. These networks are very valuable and sustainable. Currently the program has operations in every program funded by Tearfund through CCT facilitation in 11 diocese and 30 communities in Tanzania. We are working on how to figure out ways to use network and federations to do more on supporting groups.
At the moment we are working on Savings, many groups have started on to promote savings in every community and Parishes CCMP operates in. PAMOJA is actually running as a pilot project under CCMP program. What we are trying to do is figure out a sustainable way to use our network to promote non-financial products that can improve community lives. PAMOJA has a very valuable asset in the war on poverty because PAMOJA have social capital, it figure out ways to sustainably use of groups to have a greater social impact, then they will have the tools that will do so much more to eradicate poverty than saving and credit schemes alone.
Presented By Rev. William Msaki