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From the 23rd to the 27th of October, the Tanzania Social Action Fund (TASAF) carried out a mission to examine the progress of the Productive Social Safety Net (PSSN) program in Tanzania. Different stakeholders who support the Tanzanian government participated in the mission providing technical assistance and financial support. In addition, the objective of the mission was to generate new ideas and contributions for the design of the next generation of the PSSN program.

Fundación Capital joined the mission and participated in two visits to the country. The first visit went to Kigoma, in the west of the country, situated on the coast of the Tanganika lake and close to the border with the Democratic Republic of Congo and Burundi; the second city to be visited was Moshi, located in the north of the country, next to the border with Kenya and in the region of Kilimanjaro.


Both missions visited different communities where beneficiaries of the PSSN program lived. The major findings were:

The use of the CCT goes beyond the household consumption and has facilitated the improvement of infrastructure.

“The first year I worked with TASAF I saved and built a bathroom… This was something I really needed and it was beneficial for my whole family”
(Testimony of a beneficiary of the PSSN program in Okaseni – Moshi)

Although the focus of TASAF with the PSSN program is health promotion and education among families, many households decided to use the money to improve their houses. Some families invested it in fixing their roofs , acquiring solar panels or building bathrooms.

In the Kigoma region, female beneficiaries also invested the government subsidies in their houses and animals (especially goats). People who live in this type of region, which is prone to suffering violent rainstorms, consider having a strong house, made of bricks and a tin roof, very important.

“When I first received the subsidy, the first idea that came to my mind was to improve my house and buy chickens. Nowadays, my family and I live in a house of bricks, with a tin roof that protects us from rains. The first year animals killed the chickens, so I decided to invest in goats.”
(Testimony of a beneficiary of the PSSN program in Okaseni – Moshi)

Some houses had solar panels to supply the household with electricity and charge their cell phones, they were also using the tin roof to collect water.

Mobile wallets are well-known and many people are familiar with their use. However, a lot of their functions and benefits are not being used.

Its very easy to use. As soon as I receive the money on my phone I go to the wakala (agent) and I withdraw it.”
(Testimony of a beneficiary of the PSSN program in Okaseni – Moshi)

In spite of the low levels of education and low incomes, use of cellphones and mobile wallets is widely spread. During a short session of the group, carried out with citizens of Mawan Jeni, 90% of them showed a strong familiarity with the use of mobile wallets. They have access to them through their basic cellphones and find the interface very user friendly. However, their use is strongly attached with the receipt of transfers and their immediate withdrawal, and most of the services and possibilities that these mobile wallet offer are not taken advantage of.

Technology offers new possibilities for interaction and connectivity.

The high penetration level of cell phones engenders a certain degree of preparation and openness to non-conventional training systems that combine social capital (local leaders – CMS members) and digitals solutions (apps, training through mobile devices).

At this moment, TASAF is developing a pilot of e-payment through mobile wallets. The pilot seeks to develop an efficient payment systems for TASAF’s staff that is convenient for the beneficiaries of the PSSn program too. Thanks to this initiative, processes of financial inclusion are also being promoted through the use of financial products and services offered by electronic money. The pilot has identified the necessity of promoting training processes for the beneficiaries to use their mobile wallets in a more efficient way. To this effect, Fundación Capital will give its support by carrying out trainings with mobile tablets to generate financial capacities and a better relation with mobile wallets. Both beneficiaries of the program and members of the Community Management Commitee showed their enthusiasm for incorporating mobile devices into regular formative training processes.

“For us (CMC) this form of teaching is very positive and we would like to participate in something like it because it would help us gain knowledge and because having a tablet in our hands would be something that motivated us a lot.”
(CNC members of Okaseni – Moshi).

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