In this development project we claim the great need to think about all aspects when projects of development are initiated. In order to help the most vulnerable target groups, like moust vulnerable children one must also be able to help the whole familiy and the whole community as well.

The Most Vulnerable Families assisted by Tano Trust are selected through an identification scheme run by Unicef and the Commission of Social Welfare in Tanzania. Together with the local community they have identified the most needed in selected villages. The Moyo Mmoja Trust visits these families and examines their needs. Most of these families consist of elderly grandparents who are taking care of orphaned grandchildren. Also single mothers and handicapped caretakers are registered as most vulnerable as long as they have no extended family or the extended family is unable to assist the registered families.

In the first face, we assist these families with their basic rights and primary needs:

• For those who are without proper housing facilities we build local, but strong houses with iron sheeted roofs and a strong front door. This reduces the risk of abuse of the children at night time and heightens their quality of living.
• The families are supported with food and basic needs every month.
• The most vulnerable children are supported with school uniforms, school fees and other costs for schooling. Depending on age they are supported with either primary or secondary education.
• The families are supported with health and medical expenses. Primarily to transport, hospital fees, medicine and mosquito nets.
• The families are supported with mattresses, beds and other items needed to improve the children’s health.
• The families are also supported with local tools for farming, including hoes, rakes and machetes.

Micro Credit Scheme
Our experience shows that for some families, when they are stepping out of the poverty trap, are able to undertake small socially adapted micro credit schemes. These loans are at first paid back without rent. Also due to the risk of drought or sickness in the livestock, there are no debt-return payments if the harvest is destroyed by external factors. In approximately 40 % of the cases the families are unable to be self-sufficient by their own hands. An elderly grandmother staying alone with 5 grandchildren are not in the position of being self sufficient by any means.

In the second face, the families, who are enabled, are supported with socially adapted micro-credit loans. The terms and contracts are agreed upon and administered by the Moyo Mmoja Trust, the local government and the beneficiaries together. There are three main areas of income generated activities that are supported by the micro-credit scheme:

• Livestock: Cows, goats and chicken
• Agriculture: Seeds, fertilizer, labour and tools
• Investments: Wells, water-pipes and work-shops

Distribution by The Moyo Mmoja Trust
The Moyo Mmoja Trust secures the distribution of the cash crops. The vegetables and animals from families are bought by the Moyo Mmoja Trust and transported for sale at our own shop at the Bagamoyo marked, or in some cases of large quantities to the Kariakoo marked in Dar es Salaam. This is a part of our strategy to build up the Moyo Mmoja trust to be less depended of foreign aid to the projects as well as giving the farmers a better price than they normally receives from local traders. However we are cautious not to influence the local marked economy.

One of the positive side effects of the Kiromo Project is that it lifts up the poorest to such extend that the whole local community become more self-supportive. The Moyo Mmoja Trust are planning to use the experiences brought forward by the existing projects in order to initiate a more normal micro finance scheme for other poor families as well. However we choose to start with the most vulnerable first.