ASGROUP WE ARE LOOKING FORWARD TO GET FROM OTHER ORGANIZATIONS AND SPONSORS TO CORPORATE AND ABLE TO CREATE GLOBAL YOUTH ECONOMIC ZONE(GYEZ) A BANK THAT CAN BRING MAJORITY OF YOUTH COME AND WORK TOGETHER TO THE 21 MILLENNIUM AGAINST BOTH UNEMPLOYMENT & UNDEREMPLOYMENT CHALLENGES( GLOBAL CRISIS) .

1. PROPOSAL TO SOLUTION AGAINIST YOUTH
UNEMPLOYMENT AND UNDEREMPLOYMENT CHALLENGES
IN TANZANIA ESPECIALLY FOR COLLAGE AND UNIVERSITY
GRADUATES 2021 - 2025
BANK YA VIJANA
(ASG BANK).
P.o Box. 3126 SUA Morogoro
Plot No: 120V Manzese Street
Phone: +255620303706/255744171095
Registration No: MG/MMC/CBO/02295
TIN. 150 - 622 – 719
Business Lessen No: B 3624336
Email: asmallgiantgroup@gmail.com
Website: https://www.asmallgiantgroup.com

2. 1.0 Introduction
Since 2018 I have been thinking over the challenge of
YOUTH UNEMPLOYMENT and UNDEREMPLOYMENT
PROBLEM that keeps ceiling every year in my country of
NO SOLUTION. On my study over the problem I found
this are like a DISEASES of no CURE. Then I found there
were a large number of young men who are jobless and
non productive that I said were “a group of no where”
that looks for a help in any way. On my way study over
the extent of the problem (on how big the problem is) and
some of the initiatives that the Government and other
NGOs that has been put into ground to find its
REMEDATION over these, I found many remediation’s
was done of no Success.

3. 2.0 Hypothesis:
Since 2018, 2019 and 2020 My Hypothesis
Was!
 How can i turn such a big problem into opportunity?
 How can I be used to help such group of no where?
In both 3 years I couldn’t find the way in my mind, By
2020 after the world faced with a problem of COVID – 19
where most people forced to LOCKDOWN and become no
productive. I termed the crisis as a THIRD WORLD WAR
that will normally bring us to ECONOMIC CRUMBLE.
From the situation I have been linking the Crisis in,
relatively to the challenge of UNEMPLOYMENT and
UNDEREMPLOYMENT PROBLEMS as we was in before,
a situation that made me to expect and predict the
increase the problem over and over again than before
because of many reasons.

4. 3.0 Breakthrough:
For collage and university graduates, by now based on the
big of the two problems it is better to “PRIOLITIZE
SELF – EMPLOYMENT”. And working in a “TEAM
WORK” can help indeed.
4.0 Limitations.
Mental limitations that everyone should simply think to be
self – employed, are where to access a “STARTING
CAPITAL, WHAT TO DO, WHERE TO DO, WHOM
TO CORPARATE WITH and so on. All these hinder
our THINKING ABILITY to save ourselves from the
problems we are facing. It’s a dilemma any way.
Qns:
Brainstorm and give answer to the following:
 What is in your mind that you wish to do?
 How much money you want to fit your wish?
 How big your wish is?
 How long your wish was?
 Is it true you can’t afford your wish by yourself?

5.  Is it true you don’t have anything to support
your move?
 How much it will cost you per day, month and
year in collection to accomplish your demand?
 Do you believe as working in a TEAM can serve
anything to fit your dream?
 Which step have you already established
toward your dream?
 Have you attended to any job interview?
 How much money the interview costed?
 How many job interview you attended and how
much money demanded in total?
 Do you think all the sum you used could save
you in any way?
5.0 Mistakes we always commit.
Most young men we only do care for the
present, and the future isn’t our business. How?
6.0 Opportunities that we have in common.
Young men we have money, that I call “a plenty of
money “while we do not think as we have it. We do
always complain about CAPITAL. We normally say we
lack enough money to employ ourselves.

6. But my equation is:
 “How much is enough”?
 How much we need?
 It seems we do not know the exact amount we
need at given time to prepare our “FUTURE”.
7.0 let us think about the word “capital”.
 Capital is man made.
 An individual can accumulate capital by
compromising his/her current needs and saving for
future.
8.0 Accumulation of capital
Depends on Savings (is high if saving is high)
 Saving depends on 3 factors
–Ability to save
–Willingness to save
–Rate of interest

7.  Now think over this, HESLB Offer 425billions
shillings to University candidates almost
every year.
 An example;
 In 3years of an individual student could
receive;
First year
 Semester 1
Tzs. 740,000 + 540,000 = Tzs. 1,280,000
 Semester 2
Tzs. 540,000 + 540,000 = Tzs. 1,080,000
Second year
 Semester 3
Tzs. 740,000 + 540,000 = Tzs. 1,280,000
 Semester 4
Tzs. 540,000 + 540,000 = Tzs. 1,080,000
Third year
 Semester 5
Tzs. 740,000 + 540,000 = Tzs. 1,280,000
 Semester 6
Tzs. 540,000 + 540,000 = Tzs. 1,080,000

8. Fig.01
Therefore, only a single student could receive about Tzs.
7,080, ooo /3years from Loan Board (Heslb) for personal
use (BOOM) out of other school charges. Because of the
lack of the above mentioned three factor of capital
accumulation and lack of education on financial
management skill, where he/she finally go back home
with nothing. So what I wanted to say is “CAPITAL IS
MADE”.

9. AN IDEA OF ASG BANK
“Benki ya vijana “was an idea of our government
(TANZANIA) to serve YOUNG MEN in self employment
since then, but failed to be implemented based on the
doubt that we cannot be able to manage and run that bank
by ourselves as was like other Association banks; “Benki
ya wakulima” and “Benki ya Walimu”.
01. AN ADVICE FROM PRIME MINISTER
( https://youtu.be/N0gWXCgX8Fs)
An advice from Former Prime minister. PETER
MIZENGO PINDA on the formation of “Benki ya
Vijana” to this Millennium in Tanzania.
Mr. Mizengo Peter Pinda he advised that; “if a group of
young men can manage to associate together and
contribute one Million each probably they can
establish their own Bank and that bank can serve
indeed”

10. 02. THE CHALLENGE OVER THE IDEA OF
PRIME MINISTER.
The idea was very good to the
current generation which is
facing with the problem of
Unemployment and
Underemployment challenges, but
the issue is how many can have
ability to contribute a TZS.
1,000,000/=?
NOT POSSIBLE!

11. A BEST AND POSSIBLE WAY TO
IMPLEMENT THE IDEA.
If we can manage to corporate, and become “BUSINESS
PARTNERS”, able to organize small resources we have,
start from where we are, and combine our talents and
passion hope we can do something big that can serve has
to have beautiful life, serve our generation and society
( others). Now, think over this; every year our government
offer over 432 Billion shillings to young men hiring the
University as a loan to support their studies. From that big
sum, over 60,000 – 80,000 students benefit from the
loan. Apart from other University charges to those
students, a single one could receives over 7,080,000 –
13,000,000 TZS as BOOM to serve their lifing bills during
their studies. A big sum in general. But due to the problem
of having an education on Financial Management skills, a
situation that lead them to spend the entire sum by buying
“LIABILITIES” and save nothing that can support them in
the future, after their study. And others go into trap of
THIEVES, who promise them “fast prosperity” of no
hardworking. Which, PSYCHOLOGICALY NO SUCCESS
COME EASY.

12. Partnership format
If we can manage to join this way and put our personal
interest aside we can do wonders.

13. MY IDEA WAS!
We can transform some, from what we receive from
LOANBOARD (Helsb) in corporation to create our own
opportunity and financial environmental secure that will
help us after our university life. “MY CAMPAIN IS
ESTABLISH OUR OWN BANK” (BENKI YA VIJANA)
NOW. By having our own Bank, and owning a financial
control system every young men who is ready to be
successful will be successful because we will create best
and easy environment of financial secure to every young
men which is now impossible to access the capital from
any bank we have for small start – ups in business. And
only if we will manage to claim and establish our own
Bank from our initiatives, the Government will believe in
us and ready to support our Bank. This is going be a
GAME CHANGER. To change the business direction and
financial control system into our own hands, because the
large population and only productive group over the entire
population in the country are young men.

14. HOW THE IDEA IS
POSSIPLE?
The idea is really very simple to implement with no much
more to invest per individual. Only what is need is to
transform the Government money to create our financial
control system. The big deal here is “HOW TO
INNOVATE THE IDEA TO THE TARGETED
GROUP” and their level of ADOPTION OVER THE
IDEA/INNOVATION. People to innovate the idea must
well organized and ready.

15. WAYS HOW TO
IMPLEMENT THE IDEA
From my mind I could think for two ways or both
together;
First way:
It is a general idea, but it needs more effort to innovators,
to convince at least 3000 students from all the Universities
and institutes/businesses in the country to join our
initiatives where every one must have to contribute at least
400,000TZS an amount which is reasonable to majority.
Where,
3000students @ 400,000TZS
3000 X 400,000 = 1.2 billions.
From such sum of 1.2 Billion TZS, we can directly claim
the Bank from the Government (BoT). 3000 students it is
not a big number even a single University can cover all and
implement the idea very easily. And if not possible for a
single university able to supply a total of 3000 students to
join our campaign. In our country hope we have more than
15 Universities so innovate all of them to join our
movement.

16. Second way:
It is a simple way to implement the idea but it will take
time to have a full coverage implemented. Here it require
us to join and request a business partner with any bank
either CRDB, NMB or NBC and request for “WAKALA”
this will require us only to have 5,000,000TZS, in our
Bank account to start. It is very simple to implement
because, it will requires to form at least 12 groups and each
group will have at least 13 members where each member
will be required to contribute the same amount of
400,000TZS. For each group will have the same total
accumulation of 5,200,000TZS. Both 12 groups are going
establish and run such WAKALA to 12 Universities in the
country under one Umbrella. Both 12 groups will have a
wealth of 62,400,000TZS. It can be more helpful if each
group will include members from near University to
enhance the big goal of BENKI YA VIJANA on next step.
Both centers will operate and both will be earning from
transactions and both transactions will be directed to one
Bank account. From such one account that include both 12
centers will go to claim for our own Bank as an
ASSOCIATION. And we will use those 12 centers to make
sure each Centre innovate our target and other 250
members to join our campaign. After having our own bank

17. Both centers will change the label of other Bank to our
own label.
Fig 2. At initial point.
Twelve proposed centers under one A/C
ASG Bank A/C Under
CRDB/ NMB/NBC
64.2 Mill
G1
5.2Mill
G2
5.2 Mill
G3
5.2 Mill
G4
5.2 Mill
G5
5.2 Mill
G6
5.2 Mill
G7
5.2 Mill
G8
5.2 Mill
G9
5.2 Mill
G10
5.2 Mill
G11
5.2 Mill
G12
5.2 Mill

18. Fig. 3 Finally.
After 12 centers accumulate 3000 members. ASG
Bank emerges from the Corporation.
ASG Bank
A/C
G12
Under 3000
members
ASG Bank
under a
wealth of
1.2 Bil.
TZS

19. Fig. 4 ASG bank and its Branches.
All twelve initial centers will change to branches.
ASG
BANK
ASG
Bank
Branch. ASG
Bank
Branch
ASG
Bank
Branch.
ASG
Bank
Branch.
ASG
Bank
Branch.
ASG
Bank
Branch
ASG
Bank
Branch.
ASG
Bank
Branch
ASG
Bank
Branch.
ASG
Bank
Branch
ASG
Bank
Bracnch
ASG
Bank
Branch

20. WHAT WE WILL EXPECT LATER
AFTER HAVING A BANK IN OUR
CONTROL
After owning a Bank (it means now we have money
system) we can NOW control the money system and lead
its flow. We will no longer need to work for money
anymore, and only to let the money work for us.
After a Bank and its branches emerge everywhere around
all the Universities, and the more students join us, we will
expect around all 60 – 80% of the Billions from HELSB
will totally automatically directed through our Bank, and
other more than 200,000 students will join our initiatives
including other many from other business a situation that
will expand our transaction and many project will emerge.
Also we will expand to more branches to remote areas. The
days will go and the Bank expand day to day and take
control over other Banks in and out the country because its
a Bank of “YOUNG PRATICAL
DREAMERS”.

21. Fig.5 More Duplication of the Bank
A bank will have more coverage in and out the
country

22. Fig. 6 More Big projects and new systems will
rise up.
A bank will expand more and more with increase
to transaction.
ASG BANK
AGRIC. PROJECTS
MECHANIZATION
WORKSHOPS
E - COMMACE
&
LOGISTICS
INDUSTRIZATION

23. HOW THIS BANK IS GOING TO
SAVE YOUNG MEN TO THIS
CURRENT GENERATION WERE A
POPULATION KEEPS OVER 60
MILLION PEOPLE IN TANZANIA
AND 7.9 BILLION PEOPLE OVER
THE WORLD.
Point to note:
To save the poor is only to inspire
and empower them and not by
CHARITY.

24. HERE IS WHAT THE bank WILL
HELP TO YOUNG MEN
 More than 2000 young men of that field in finance
will have job a job that will be created through their
corporation.
 More than 200 new projects, that will be established
by members from the corporation support will
emerge will save other young men to have part time
and full time jobs.
 Majority of young men will be able to access the loan
from the bank to 2% interest rate under simple
restrictions, this free for everyone whatever
employed or not unless you are a corporative
partner and especially for graduates.
 The corporation will focus to expand and support
talented young men.
 Every member will benefit from share the bank will
offer to its corporative members no matter the
member will be from its benefits.
 The bank will give supports to social issues and
support the societies.
 From the bank and its corporative members, it will
serve; almost more than 1,000,000 people will be
served directly and indirectly. And other more.

25. PRESENT INITIATIVES
TOWARD THE PROJECT
(Where to start)
What we have now:
01. AN ORGANIZATION.
By now we have a registered Youth Association
called ASGROUP. ASGROUP it was registered
as a COMMUNITY BASED ORGANIZATION
(CBO). So we have a point to start.
Registration No: MG/MMC/CBO/02295
Company Regestration No: MG0229
Business TIN No:150 - 622 – 719
Business LESEN NO: READY PROCESSED
02. A BANK ACCOUINT OF ANY BANK.
ASGROUP Association has a BANK A/C already
to CRDB Bank.So we have a point to start
CRDB Bank A/C No: 0152526202200

26. 03. CONSTITUTION
ASGROUP Association has a REGESTERED
CONSTITUTION. So we have a point to start
and do some little AMENDIMENTs.
04. ADDRESSESS
ASGROUP Association has registered to a postal
address, Email; Mobiles phone No. and website
till April 2021. So we have a point to start.
Postal address: P.o Box. 3126 SUA
Morogoro
Email:asmallgiantgroup@gmail.com
Website: https://www.asmallgiantgroup.com
05. BUSINESS SITE
ASGROUP Association has a present Business
on (RETAILS SALES OF BEVERAGES IN
SPECIALIZED STORE) and RETAILS
SALES OF CEREALS IN SPECIALIZED
STORE as well. So we have a point to start
Business Premises located at: Plot
Number 120/V, Street MANZESE,
MOROGORO.
On April 2021, ASGROUP, we will expand to
AGRICULTURE under Drip irrigation
farming.

27. WHAT
NEEDED NOW
TO BE DONE
TO PUT THE
IDEA INTO
THE GROUND?

28. 01. A Best and strong TEAM
(PARTNERSHIP)
I recommend this to best five
leaders to run the move:
LEADERS THAT CAN GIVE
THEIR BEST, and able to
transform this idea from its
intangible image to
PHYSICAL FORM.
Leaders with Grit of success
who can THINK BIG.

29. Both were selected based on their
INSIGHT and PASION.
Adrianus
muganga
Musa Dotto
Mr. Simon
Mary Magoti
Jenifer Tairo

30. Leadership format for
ASG BANK
A team of 5 proposed leader over the
IDEA

31. A SHORT
DESCRIPTION
OVER PROPOSED
TEAM ABOVE.
I proposed those best 5
members based on their
PASSION and not for their
Talents because talent here is
not a big deal.

32. HOW EACH MEMBER IS
GOING TO WORK ON His/her
POSITION?
Both members will work in
corporation in this way:
01.
An idea generator
02.
A System creator over generated ideas
03.
A System evaluator, will focus on both the idea
and the system how are going to work to reach a
TARGETED POINT.
04.
Both in corporation will carry an evaluated idea
and its system to a TARGETED POINT
ADRIANUS A. MUGANGA
MUSA DOTTO
MR. SIMON
MARRY MAGOTI & JENIFER TAIRO

33. EARNING THE MONEY IS A
GAME
SO
IF WE CAN GIVE OUR BEST
AND THINK BIG WE CAN DO
SOMETHING BIG.
ASG
BANK

34. T®GETHER
WE CAN