Youth Association Bank of Tanzania research-report-2022

A SMALL GIANT GROUP (ASGROUP)
A Research Report for establishing Youth Association Bank in Morogoro Region - Tanzania
FROM A SMALL GIANT GROUP ASSOCIATION
Date: SEPTEMBER, 2021
Adrianus Muganga
ASGROUP CHAIRMAN
P.o Box 3126 SUA, Manzese Street, plot No.120, Block No. V, Sua Road Morogoro, Phone:
+255657224434/255756014529
Email: asmallgiantgroup@gmail.com Website: www.asmallgiantgroup.com
Registration No: MG/MMC/CBO/02295, Lessen No.B 3624336,
TIN. 150 - 622 – 719
Copyright© AsGroup 2021
September, 2021

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ABSTRACT
A Small Giant Group (ASGROUP) we are Graduates from Sokoine University of Agriculture (SUA) in
Tanzania, we were organized as a Community Bases Organization (CBO) to solve community
challenges and now we are seeking a support of USD$600,000 to establish an incredible project for
youth in Morogoro – Tanzania (Youth Association Bank), a Bank that will create YOUTH ECONOMIC
ZONE and bring them come and work together in the country. Youth Association Bank will look for
youth financial challenges. A Small Giant Group we are interested to serve a large group of more than 5
million youth in the country who left on the street with no where to work/jobless, a group which is
currently termed as a BUS OF NOWHERE. Youth Association Bank will be there to empower, inspire,
motivate and able to create youth platform in the country, a place where will be eligible for youth to get
support in all sectors of development such as Agriculture, Arts, Tourism, minerals, electricity, education
and support business growth and etc at low requirements and low rate interest of less than ten percent,
and facilitate the establishment of youth platform to discuss their matters which are currently not. Here
is a simple report based on a research we made from the targeted group of age between 18 – 40 from the
community around Tanzania, concerning the idea of Establishing Youth Association Bank in Morogoro
– Tanzania through Google form(online Questionnaire), where a total of 136 youth were fortunately to
fill out our research form (20%female and 80%male),from that of age between 18 – 30 where 85.7% and
of age between 30 – 41 where 13.5% and of age above 41+ where 0.8% of all respondents. From that
research only 22.2% already employed, 29.9% self employed, 17.9% jobless and 29.9% University
continuing students and on that 80.6% of all respondents responded that majority of youth they are
jobless because have no where to access a starting capital and 19.4% responded that majority are faced
with fear conciseness to adopt self employment. Further more from that research 84.2% of all
respondents said that, not easy for youth to access a financial support from any Bank that offer financial
services due to the reason of trust. Also from that research 79.5% of all respondents recommended that
majority of youth are currently unconditionally forced to involve on gambling games like sport bet and
other unproductive stuff because they have nothing to do rather than that and 88% of all respondents
complained over government policies in relation to youth growth support as most organs that look for
youth challenges has political charters so they do not serve anything in by considering we now in a
changed world of 21 Millennium. Then from that research over 88.1% of all respondents responded that
if could be an easy way for youth to access initial capital; this can help them to adopt self – employment
than to left on street of nothing to do (with no direction), by kept on streets waiting for government
employment. Concerning the current world of 60 million Tanzanian those are kept increasing with
3.11% each year and 7.9 billion people globally by estimate, so depending on government employment

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today is not a deal anymore today (World Meter, 2019). AsGroup team, to make this Bank possible from
only youth out other supports, we was highlighted that if 3000 youth (employed, self – employed,
graduates and continuing students) in Tanzania can manage to come together and share at least an
amount of US$ 174 each can bring a total of US$ 522,000, from that amount we can have such idea
possible. From the research we made Over 95.4% of all respondents accepted the proposal to establish
Youth Association Bank and over 95% of all who responded to that research were ready contribute an
amount US$ 174 each to facilitate the establishment and have shares to that bank. By having such non -
political Organ today (Youth Association) that will be lead by youth themselves can serve lives of
equivalent to 11.5% which is equal to 6.9 million youth out of 60 million people in Tanzania, around 64
million youth out of 1.7 billion youth, over 7.9 billion people globally as addressed from recent
researches are facing with the problem of YOUTH UNEMPLOYMENT and UNDEREMPLOYMENT
CHALLENGES (ILO, 2019). ASGROUP team based on the research had the hope that the
implementation of this bank can be a breakthrough to youth unemployment and underemployment
challenges in the country during these days of critical time of global economic crumble of COVID – 19
and on. As an association we are requesting to be supported a total of US$ 600,000 to have this idea
implemented at Morogoro region in Tanzania. To have this idea done we need a very close support from
Government body, Non Government Organizations, Productive Companies of different careers, top
leaders of all fields, sponsors from any field, subject matter specialists in collaboration with all youth in
Tanzania and our Association over this idea and especially Tanzania Government. AsGroup after putting
this idea into the ground in Morogoro, it will be able to expand the service to the entire country for the
service to the targeted group. AsGroup we are 100% ready to have this done, so what we need, are
people and Tanzania government to support our efforts in any way. This idea started since 2013 - 2014
by Prof. Ole Gabriel under the Honor President Dr. J. Kikwete but couldn‘t put into the ground due fact
of political change. But now we as youth we are put that idea to physical reality, so what we only need is
the support of fund of USD$600,000 to have it work. Who will lead this project are youth, because from
us some have a high level of study concerning to that career. If the project will get supported, we expect
to start by February 2022. As an association we have a vision to create more chances for youth and for
others before 2025 by solving community challenges and make our country to be better place for youth.
Respondent reactions and it‘s analysis from the targeted community over the proposal of Youth
Association Bank from the research we made:
https://docs.google.com/forms/u/1/d/e/1FAIpQLSdf4WR-
261kNZPQz9LlHa9CuSX3C9EuHYhnhCx8bt0VElQ6oQ/viewanalytics

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KEY WORDS
Youth, Youth Unemployment, Youth Underemployment, Youth Association Bank, Self – Employment, Gender
Gap, Employment, ASG BANK
COPYRIGHT
All rights ware reserved; no part of this project report may be reproduced, stored in any retrieval system or
transmitted in any form, or by any means without the prior written permission of the author or A Small Giant
Group on behalf.

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ACKNOWLEDGEMENTS
First and foremost, I wish to give my sincerely thanks to almighty God who gave me a healthier condition
throughout my studies and up to the completion of this work.
I am indebted to my supervisor Adrianus Muganga, chairman of A small Giant Group for his great assistance,
guidance, encouragement and advices since the development of the proposal up to the completion of this study,
who made sure that I established a good work. God bless him.
Special acknowledgment also goes to all members of ASGROUP who did the best on support from day one to
distribute my work (research questionnaire) to different social media till the end; they were very serious indeed
to make sure I do the best.
Lastly, I would thank my fellow students for their kind support during the progress of this study. They devoted
their energy as well as time to support me in conducting the study appropriately. May God bless them
abundantly.

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TABLE OF CONTENTS
Abstract ................................................................................................................................................................ i
KEY WORDS...................................................................................................................................................iii
COPYRIGHT.....................................................................................................................................................iii
ACKNOWLEDGEMENTS ............................................................................................................................... iv
LIST OF FIGURE............................................................................................................................................vii
CHAPTER ONE................................................................................................................................................ 1
1.0 INTRODUCTION......................................................................................................................................... 1
1.1 PROGRAM DESCRIPTION........................................................................................................................ 2
1.2 YA BANK E - COMMERCE....................................................................................................................... 2
1.3 YOUTH PLATFORM .................................................................................................................................. 3
1.4 THEORY OF CHANGE............................................................................................................................... 4
CHAPTER TWO.................................................................................................Error! Bookmark not defined.
2.0 PROBLEM AND JUSTIFICATION OF THE STUDY............................................................................... 5
CHAPTER THREE............................................................................................................................................. 7
3.0 GOAL AND OBJECTIVES.......................................................................................................................... 7
CHAPTER FOUR............................................................................................................................................. 8
4.0 EXPELMENTAL METHODS ..................................................................................................................... 8
4.1. Research area................................................................................................................................................ 8
4.2. Preliminary study and survey....................................................................................................................... 8
4.3 The key things that the research was assessing from Youth......................................................................... 8
4.3.1 Unemployed youth..................................................................................................................................... 9
4.3.2 Underemployed youth................................................................................................................................ 9
4.3.3 Self – employed youth................................................................................................................................ 9
4.3.4 Capital accessibility to youth ..................................................................................................................... 9
4.3.5 Youth that were supporting the Idea of ASG BANK................................................................................. 9
4.4 Data analysis, interpretation and reporting ................................................................................................... 9
CHAPTER FIVE............................................................................................................................................. 10
5.0 RESULTS.................................................................................................................................................... 10
5.1 Results and discussion................................................................................................................................. 10
5.2. Research ..................................................................................................................................................... 10
5.2.1 Respondents that involved to the research ............................................................................................... 10
5.2.2 Respondent Age group............................................................................................................................. 11

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5.2 Employment ................................................................................................................................................ 11
5.2.1 Employment status................................................................................................................................... 11
5.3 Youth Unemployment and Underemployment Challenges ........................................................................ 12
5.3.1 Unemployment and Underemployment status......................................................................................... 12
5 .4 Courses of Unemployment and Underemployment................................................................................... 12
5.4.1 Courses of Unemployment and Underemployment................................................................................. 13
Problems to youth in Tanzania.......................................................................................................................... 13
5.5 Youth Unemployment and Underemployment ........................................................................................... 13
Challenges Trend in Tanzania........................................................................................................................... 13
5.5.1 Extent over Youth Unemployment and Underemployment..................................................................... 13
Challenges (This is how respondents believe today) ........................................................................................ 13
5.6 Self – employment status and priorities...................................................................................................... 14
5.6.1 Self – employment status priorities.......................................................................................................... 14
To youth today in the country ........................................................................................................................... 14
5.7 Causes of self – employment failure to Most Youth in Tanzania............................................................... 14
5.7.1 What makes majority fail to Adopt.......................................................................................................... 15
Self – employment ............................................................................................................................................ 15
5.8 Small Business Startups vs. Capital and Policies........................................................................................ 15
5.8 .1 Does small business startups/graduates................................................................................................... 16
Easier to access a bank loan? ............................................................................................................................ 16
5.8.2 How many believe that if could be........................................................................................................... 16
Somewhere to access capital for youth ............................................................................................................. 16
Majority would be self employed...................................................................................................................... 16
5.9 Capital accessibility to youth (ASG BANK) .............................................................................................. 17
5.9.1 How many believe that if majority would................................................................................................ 17
Adopt self employed can be a breakthrough to................................................................................................. 17
Both youth Unemployment and ........................................................................................................................ 17
Underemployment challenges........................................................................................................................... 17
5.9.2 Does those who involve to online ............................................................................................................ 17
Gamboling are there to fulfill there dream........................................................................................................ 17
CHAPTER SIX................................................................................................................................................ 19
6.0.YOUTH ASSOCIATION BANK............................................................................................................... 19
6.1 ASG BANK................................................................................................................................................. 19

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6.1.2 How many believe that the establishment................................................................................................ 19
Of Youth Association Bank can be a breakthrough.......................................................................................... 19
to youth financial challenges............................................................................................................................. 19
6.1.2 Youth by themselves to support the Establishment ................................................................................. 19
Of Youth Association Bank in Tanzania (ASG BANK) .................................................................................. 19
CHAPTER SEVEN......................................................................................................................................... 20
7.0.PRESENT INITIATIVES TOWARDS IMPLEMENTATION OF THE PROJECT................................. 20
7.1 What we have now:..................................................................................................................................... 20
CONCLUSION AND RECOMMENDATION................................................................................................ 21
REFERENCES................................................................................................................................................ 23
APPENDIX....................................................................................................................................................... 26
10.1 Other Case Studies and statistical figures globally................................................................................... 26

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CHAPTER ONE
1.0 INTRODUCTION
A Small Giant Group (ASGROUP) has 20 members of which 15 members are men and only 5 members are
females. The association was established by Students from Sokoine University of Agriculture (SUA) with the
interest of employing ourselves (create our own jobs) and for others on the time being. On the initiatives toward
self reliance we found over 11.5% which is equivalent to 6.9 million youth of all population in Tanzania
including graduates are facing with the challenge of unemployment and Underemployment problem, a situation
that lead to career abortion and career dissatisfaction to most graduates in the country (National Bureau of
Statistics, 2019). Most of them are jobless and some were conditionally forced to their current work places with
under - salary status (underemployment), here is where we started to do research to find the means that serve
many. From a simple random research we made over the country, a total of 136 youth were fortunately to
respond our online questionnaire, over 70% of all of them said are not free from underemployment problem,
and some are working with no work contracts from their employers. A Small Giant Group based on such
problem, tried to roll down and link the problem to two important goals (global goal by 2030) and (Tanzania
goal by 2025) based on that two reports written by Tanzania Government referring to two goals, On these two
reports highlighted that our country based on the proposed 17 United Nations Sustainable Development Global
Goals (17 UN SDG by 2030) and Voluntary National Review (VNR) for SDG Implementation in Tanzania both
were focusing on the fight of NO POVERTY and ZERO HUNGER in the country and further more to bust
peoples life in the country targeting to reach Middle economy status of industrialization by 2025 as illustrated in
(Fig. 47 – 51) of this report. But, the agenda here is how can we reach the country and global goals while we
have a large, trusted, productive group that are useless, and educated but do not put their received education into
practical use, and the mentioned group(lost group) keeps increasing day to day of no solution?. According to
National Bureau of Statistics (2019),The report show that Tanzania had submitted 2019 VNR Key messages to
UN DESA by 17th May, 2019, with the results indicated that, Tanzania is doing reasonably well in goals 2, 3, 4,
5, 6, 8, 10, 16. Goals 7, 9, 11, 12 are likely to be achieved with stepped-up efforts among 17 SDGs. And that
report stated that among proposed 17 UN SDGs, Goals 1, 13, 14, 15 17 will need significant local efforts and
international support to achieve. AsGroup members based on those two reports plus the effects we are currently
encountered due to COVID -19 in our country and globally, plus a simple research we made concerning youth
current economic challenges, we decided put ourselves into charge to initiate the team that can look for a
solution over youth economic problems and come up with solution that can help that large group of nowhere to
bring them a breakthrough that will be against unemployment and underemployment challenges to among youth
in the country during this period of economic down time of COVID – 19 and on . Youth Association Bank will

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be serving and help for those youth with talents and passions to fulfill their dream of no bias of gender and put
majority to action and productive in the country through provision of simple loans to small business startups
and graduates. This will boost economic and creativity competition among youth in the country and globally,
particularly to serve their home and use their acquired education optimally.
1.1 PROGRAM DESCRIPTION
Youth Association Bank (YA BANK) in Tanzania will enable youth to have jobs ( Self dependence/ self –
employed) and able to generate their own income and pay their own life bills, school loan little by little after
they finish their study from their Colleges and Universities based on their careers without wasting time in the
street waiting for government employment. The project will be supplying small loans to youth who are
organized into eligible groups registered as Community Based Organization (CBO) of from 5 members, small
emerging companies to help them reinforce their projects, also the project will be used to empower, inspire,
innovate, provision of loans of farm structures, irrigations and machines, inputs and particularly to establish and
support YOUTH PLATFORM to enable them to develop a together discussion concerning their matters and
needs which is currently not. The project will be also focusing on supporting small projects from small business
start ups by provision of small simple loans of 2% interest rate to help them grow their business. The project
will be focusing to create a better financial system for youth in the country to suit the current changed world of
E – Commerce and technology development among youth in Tanzania. The project give more priorities to
Agriculture projects to in order rein force the government agenda of ―Kilimo Viwanda‖ in the country to bring
Agriculture Revolution in Tanzania via Youth by 2025 - 2023. The main objective of the association is to
involve in youth awakening process to help them able to shift their dependence mind to self reliance mind in
order to suit better to the environment of the current changed world and increase economic competition among
youth in the country and globally. By having this done will contribute to the Vision of Tanzania Government of:
Tanzania of Industrial Economy by 2025 and Goal 1,5,9,17 among 17 US Sustainable Development Goals(
17SDGs) through helping them to awake and supporting such potential and productive group (youth) to self –
reliance and become productive. The projects will positively affecting more than 5,000,000 youth in Tanzania
by 2025 of no job and those with underemployment problem of age between 18 – 40, to solve their financial
problems and able to drive their life standards and serve their loved one and their families. More enterprise and
business in the country are expected to emerge from here, to more effects to the National GDP by 2025 - 2030.
1.2 Youth Association Bank E - COMMERCE
In Tanzania we have no better E – commerce systems to support small business startups and graduates and
Africa in general (Ekekwe, 2015). Youth Association Bank will be focusing to establish and create a better E –
commerce system for fast and quick transaction in the country and outside the country to support businesses
logistics environment among youth and women.

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1.3 YOUTH PLATFORM
Information as was recently defined by the ancient philosophers and psychologists as ―it is the heart of the
matter”; it can unlock the door to the vault called success (Herb, 1982). From a simple research made by
AsGroup in the country found that majority of young men have no an organized site to get information
concerning emerging opportunities in time. This problem go far to a situation that even political makers are not
aware concerning the current youth needs based on the current changed world of 21 millennium. They have no
organized platform to address their needs and problems to help policy makers, to develop better policies based
on their voice than to be forced on policies that are no longer function to the current competitive World. By
considering to such problem among youth, Youth Association Bank will give a support to youth to establish a
Single Information Unit / Center as most researches as been advising to do in Tanzania where all information
concerning employment, sponsors, Grants and other related opportunities from public and private sectors will
be announced as a single source, information about NGOs that are funding projects in the country and globally,
information about Financial Funding Support Organization in the country and globally(youth App).A site where
information will be gathered together to enable easier access in time with no bias of gender. The bank will
facilitate the Establishment of youth social platform through different media for open discussion. Because most
research had recently revealed that Most Youth in Tanzania they lack Information on important opportunities
that emerge in the country and globally that can help them to put their knowledge that they acquired from
school to put them into practical use. Fore instance President loans ( ―Mabilion ya JK ‖ ),were released to serve
young men in Tanzania but most researches were revealing that those money that were released by Former
President Dr. Jakaya M. Kikwete during his time couldn‘t benefit the targeted group as was intended
(Simon,2013) because of not being well put awareness to the targeted group. The same time a former President
Dr. John P. Magufuri and The Current President Samia Suluha Hassan that had put an effort to provide sum
amount of money (TANZANIA YOUTH FUND) to every District and Municipals to support youth of new
emerging Entrepreneurs as a President loan of zero Interest rate that were intended to help them push their
projects, only few have that information concerning the fund and are benefiting to that fund but majority are not
well aware at all to that fund. Even to the system to get that money is totally politically (difficult to access from
the authorized people) So here you can see as Presidents from the government have better intension, with good
efforts to support youth in the country, but the issue is the information concerning to such supports to reach the
targeted group. On the end the authorized people to organize those funds to targeted group wouldn‘t fulfill
President‘s targets. AsGroup we are CBO since 2020, so we have such experience. So, if youth can generate the
system by themselves hope everything will be organized and available to everyone in time without bias and
unnecessary complications. Youth Association Bank will give a support to the important issues of information
right now to help youth because Information is everything now to this fast changing World.

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1.4 THEORY OF CHANGE
Why the idea of YA BANK are very important than other systems of today?
Apart from Collaterals needed by most Financial Banks in order to get a financial support. Also in Tanzania the
Government offers a financial support to youth (YOUTH FININCIAL FUND) to support those small business
startups youth to boost their business and their dreams, which is very good. But the challenge that arises from
those funds to youth is accessibility. To access that money it requires multiple steps and some limitations that
makes majority of young men to fail to benefit from those money and finally very few benefit from that money,
although the target of the fund is to serve jobless youth to get self employed. The system to run by step it is not
an issues, the issues is the level of understanding of the people with the authority to enable the money release to
the applicants concerning projects especially those from grass roots (local leaders). Based to this limitations
most CBO get die here. Even due the fact that most local leaders are politician, so if they have any political
differences the applicant application can limit only to the local offices and enough, AsGroup has this experience
from its area of registration. So, if that money would have reasonable limitations to small business startups
would be a big deal but due to its target, but due those limitations to eligible applicants make it difficulties to
access. Sometimes local leaders will give an advice to the applicant to change the business type to get helped
which is an issue to suddenly shift the business that you have already accumulated experience to now business
that you are not. AsGroup we were to so.
A presence of Youth Association Bank will be a bank that will create YOUTH ECONOMIC ZONE and bring
most youth together. Youth Association Bank will focus to support even small business startups of zero startup
capital at interest rate of 2% from the received loan. We will also be using local leaders as are always used to
other systems. Youth Association Bank will be supporting youth ideas, businesses, talents, offer materials and
machine loans to boost small industries and Agricultural activities, from where they are to another level of
development. Also the Bank will put more effort to motivate, inspire and to innovative graduates to get self
reliance by putting their acquired education into action. Generally Youth Association Bank will be looking
forward to support doable idea from both genders equally in groups without bias.

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CHAPTER TWO
2.0 PROBLEM AND JUSTIFICATION OF THE STUDY
Currently we are living in a very fast changing World, of great population of young men who are facing with a
great problem of Unemployment and Underemployment challenges in the Country and globally. Youth
unemployment problem, is currently a cross cutting issues (a world crisis), on which every country is struggling
to seek an absolutely proper way to solve this problem in advance while with no proper solution till today, while
a number of youth to the labor market worldwide are still ceiling day to day as illustrated on fig.22, of this
report (Buheji, 2019). Recent researches was addressed as 11.5% of which is equal to 6.9 million youth out of
60 million people in Tanzania, and around 64 million youth out of 1.7 billion youth, over 7.9 billion people
globally are facing with the problem of YOUTH UNEMPLOYMENT and UNDEREMPLOYMENT
CHALLENGES (ILO, 2019). This lost group of jobless young men are currently globally defined as ―A bus to
Nowhere” From this crisis it doesn‘t matter how good they are, how much levels of education they have, how
resourceful they are ,which family they come from, how talented they are and other many, but due to their
diversity and weak existing policies to their governments, those jobless youth keeps increasing in number over
time, while their governments still with nothing to do, and finally those young‘s develops complains to their
leaders and start to see their government as a negative place, and finally to be used by politicians of other side
to develop violence in the streets. Currently there are more than 64 million youth who are unemployed
worldwide; most of them are from developing countries (ILO, 2019), as illustrated in Fig.18 – 45, of this report.
In Africa youth unemployment problem keeps increasing with North Africa being the leader where the youth
unemployment rate was expected to exceed 30 per cent by 2019 from recent research, which means that young
people will continue to be 3.5 times more likely than adults to be unemployed further more the problem to 2020
and other next this year 2021 is expected to increase than the normal due to the effects of COVID – 19 with
further development in Data technology and Artificial Intelligent (AI:Sophia, World‘s First AI Humanoid
Robot) (ILO, 2019). The current Population in Tanzania is around 60 Million people; such population keeps
increasing at the rate of 3.11 per cent every year (WorldMeter 2019). The increase in youth population has
opportunities as well as challenges. One of the challenges is youth unemployment and underemployment
(Agwanda & Aman, 2014). Youth unemployment in Tanzania has been a long - term and critical problem (Haji,
2015; DTCIDC, 2016 & Kiaga 2016). The larger problem of chronic underemployment and unemployment can
be traced back since independence 1961 and during a global financial crisis. So, a recent policy of free
education up to cordially secondary level and high number of new universities has resulted to large number of
skilled young individuals without jobs. Each year more than 700,000 – 800,000 new young job seekers enter job
market and very few of them get employed and majority left of nowhere to go (DANIDA, 2018). The
unemployment rate in Tanzania is officially 11.5% however it is believed to be beyond that number since it is

6
masked by the tendency or culture of documenting the unemployed as ‘entrepreneur‘ in government documents
and after the current cold world war of COVID–19 and technology development. Most recent researches show
that the problem has been ignored to many years by the reasons that it was the fault of the youth who are labeled
as lazy and less creative. But in reality, youth are willing to work/ to be self employed but the issues is they
don‘t have smooth environment to make them work or innovative to put their dreams to reality. Most recent
research recommended that only solution can be from the government‘s to set good policies for them. Up to
early 2000s there was a big mismatch problem between jobs (employers) and labor(employees), especially in
Tanzania mainland (Haji 2015, DTCIDC, 2016)., however since primary education and Ordinary secondary
level education became free plus the opening of many universities the problem has changed. Most youth have
skills but there is nowhere to use such particular skills. In approximation youth from University have 5.5 years
of staying jobless while searching for job after University or vocation training Schools such as VETA (Haji,
2015). Youth unemployment results to extreme poverty, poor public health, low economic growth, gender gaps,
migration and high crime rate as well poor participation in social political activities in the society (Seleman,
2019).
A shocking event happened at Kilimanjaro to Middle of September 2021:
In the middle of September 2021, more than 500 youth were swindled of TZS. 200,000 – 900,000 each, with
one of an Unregistered Organization that promised to offer them some jobs, and finally to escape of nowhere
with an amount of more than TZS. 125,000,000 (USD$54347). That was very painful event to those affected
youth how gathered from different part of Tanzania and left in hardship situation of no even a single cent to
enable to get back home. If the situation is worth today, so how by tomorrow?

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CHAPTER THREE
3.0 GOAL AND OBJECTIVES
The goal of the project is to create a better environment for financial secure to jobless youth and women in
Tanzania by supporting small business startups.
The Main objectives of the project
1. To support small business startups to enable them to grow their business.
2. Provision of loans to collage and university graduates who are in groups in order to foster their dreams.
3. Provision of better a better E – commerce system for fast and quick transaction to youth in the country
and outside the country to support their businesses logistics (B2B, B2C).
4. To support the establishment of YOUTH PLATFORMS IN TANZANIA for youth discussion and
competition.
5. To resolve gender bias among youth to both employment and opportunity secure (both have the
same chance).

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CHAPTER FOUR
4.0 EXPELMENTAL METHODS
4.1. Research area
Youth of age between 18 – 34 years old were used for this study from different Colleges and Universities
including SUA, UDOM, UDSM, GERA FTC, IGABIRO TIA and from most graduates dwelling in streets who
are ready employed and non - employed groups in Tanzania. A Small Giant Group members proposed the name
of the bank as A SMALL GIANT BANK (ASG BANK) a research carried out by using ASG BANK name to
represent YA BANK.
4.2. Preliminary study and survey
A research questionnaire was designed on blank papers of two pages with 48 questions of both closed and open
ended questions formats, the questionnaire on a paper was further converted to online electronic form (Google
Form) to develop a ―LINK ―for easier distribution to a targeted groups via different Social Medias:
https://docs.google.com/forms/d/e/1FAIpQLSdf4WR-
261kNZPQz9LlHa9CuSX3C9EuHYhnhCx8bt0VElQ6oQ/viewform
After a link developed we tried to identify eligible social media to share the link with a message of instructions
to such media; WhatsApp groups, Facebook, LinkedIn, and Telegram and through normal text because a link
can be share to any form as a normal text. A link was accompanied with a very short text that was addressing
the purpose of the research and instruction of how to fill the form and the eligible group to fill such form, where
eligible youth of age between 18 – 34 years of age. A message with the link was distributed to the identified
social media as much as possible, also on the instruction that was designed on the text was directing the
respondent to share the link to more groups as much as possible in order to reach more youth based on the
research target.
4.3 The key things that the research was assessing from Youth
The research was targeting to see the rate and extent of youth that are currently affected with either
Unemployment or Underemployment problem in the country and how much they support the idea of
establishing YOUTH ASSOCIATION BANK as a breakthrough of these challenges. So, from that reasons both
who are jobless and those who are employed somewhere were allowed to involve to this research, including
those who have willing to adopt self – employment. The research was done very well as was expected.

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4.3.1 Unemployed youth
From the research unemployed youth was assessed how much they are, and how do they comment to their
situation of being jobless in the street and if feels. The research was also assessing the extent of how big the
situation is in the country.
4.3.2 Underemployed youth
From the research employed youth was assessed, to those who are employed somewhere but get paid below
salary and work with no identified employment document (contract) especially for those who are employed to
private sectors and it feels.
4.3.3 Self – employed youth
The research was also assessing how many youth adopted to be self employed and those who are ready and
passioned to be self employed today and how it feels.
4.3.4 Capital accessibility to youth
The research was also assessing what makes majority of youth fail to adopt self – employment in relation to
initial starting capital accessibility for graduates. As the financial systems that offer financial services do they
trust them to give them loans to support their project and obstacle they are facing on the way to grow their
business in the country.
4.3.5 Youth that were supporting the Idea of ASG BANK
The research was assessing how many believing as the presence of Youth Association Bank can be a
breakthrough for capital accessibility to youth to foster their dreams, and how many are ready to contribute on
the establishment of that Bank as shareholders based on the following idea:
https://www.asmallgiantgroup.com/assets/posts/BANK_YA_VIJANA.pdf
4.4 Data analysis, interpretation and reporting
At the end of the research form the respondent was requested to submit a form that he/ she filled. From that
form all responses from all respondents was analyzed automatically to the viewanalyiser as follows:

10
CHAPTER FIVE
5.0 RESULTS
5.1 Results and discussion
The main objective of the study was to determine the extent of youth unemployment and Underemployment
challenges in the country and find as the establishment of Youth Association Bank can be a breakthrough to
their limitation that makes them fail to the source of money to support their dreams to 21 Millennium and the
current world under COVID – 19, a situation where every where over the World we are facing a critical time of
economic crises. About ASG BANK in relation to 17 Sustainable Development Global Goals:
https://iris.thegiin.org/share/id/20289x6102ea12a0acb/
Below are defined pattern and results from the research.
5.2. Research
Youth were used to this research of age group between 18 – 34 years old, from all respondents women were
20% and male 80%.
5.2.1 Respondents that involved to the research.
SEX TOTAL INVOLVMENT
(%)
Male 11 80
Female 27 20
TOTAL 135 100
Fig. 1

11
5.2.2 Respondent Age group
AGE
GROUP
TOTAL
INVOLVMENT
( %)
18 - 30 114 85.7
31 - 40 18 13.5
41 - 50 11 0.8
51 - 60 0 0.0
60+ 0 0.0
Fig. 2
5.2 Employment
The Employment status of all respondents from those involved to this study have the following employment
status; 29.9% employed, 22.4% Self employed, 17.9% Jobless and 29.9% were collage and University
continuing students.
5.2.1 Employment status
CATEGORY TOTAL INVOLVMENT (%)
Employed 40 29.9
Self -
employed
30 22.4
Jobless 24 17.9
Student 40 29.9
Fig.3

12
5.3 Youth Unemployment and Underemployment Challenges
From this research 68.7% of all respondents said that was not free to both two challenges of Unemployment and
under employment, while the rest 31.3% said have no such problem that means that they have where to work
with balanced payments (salaries). As from the illustration below on fig.4 majority are not free from both two
challenges so they need a physical support that can help the support their dreams.
5.3.1 Unemployment and Underemployment status
RESPONDENTS
STATUS
TOTAL INVOLVMENT
(%)
Free from both
challenge
42 31.3
Not free 92 68.7
Fig.4
5 .4 Courses of Unemployment and Underemployment
The research shown that majority of youth of around 74.8% were faced to both two challenges due to the fact
that government policies concerning youth are not well organized to support them to adopt self dependent and
foster their dreams as illustrated on fig.5 below. These complain over the policies was very equivalent to the
recent researches.

13
5.4.1 Courses of Unemployment and Underemployment
Problems to youth in Tanzania
SOURCE OF
PROBLEMS
TOTAL INVOLVMEN
T (%)
Population
increase
24 17.8
Poor policies 105 74.8
Others 11 7.8
Fig. 5
5.5 Youth Unemployment and Underemployment
Challenges Trend in Tanzania
The research shown that the extent of those two challenges for both to those who are not yet employed and
those who are ready employed to different private organizations is around 72.5% as is shown to fig.6 below.
This mean that even those who are have employment somewhere, they work without contract and that makes
them to work under salary and unsatisfied.
5.5.1 Extent over Youth Unemployment and Underemployment
Challenges (This is how respondents believe today)
HOW BIG
THE
PROBLE
MS ARE
TOTAL INVOLVMENT
(%)
0 - 40 % 10 7.4
45 - 60% 52 38.5
80 – 90% 73 54.1
Fig. 6

14
5.6 Self – employment status and priorities
Based on this research majority of most Youth in the country have willing to adopt self employment lather than
to wait in the street jobless. From the situation that most youth are facing with being with no where to access a
working place, and for those who are already have somewhere to work but, having works with no proper
security of contract to the work with their boss, as well as to work under low salary by considering their level of
education, majority are ready to be self employed by establishing small businesses/small enterprises to run their
life and serve their families including the people they cherish. From this study 90% of youth are put self –
employment as their first priorities.
5.6.1 Self – employment status priorities
To youth today in the country
RESPONDE
NTS WHO
ARE READY
TOTAL FIRST
PRIORITY (%)
Self -
employed
120 89.6
Employed 14 10.4
Fig. 7
5.7 Causes of self – employment failure to Most Youth in Tanzania.
Apart from policies that are not friendly to small business startups, to support graduates those are coming from
poor families to be self – employed based on an regulated charges(taxes), also the big problem is where to
access initial starting capital to enable them put their projects into ground (reality). They are not even trusted by
the banks because they are having no collaterals to protect them get funded. From this research 52% of all
respondents complain to the issues related to Capital accessibility as to be source of problem and another
around 28% of the respondents said is just due to being a situation of fear among youth on self employment
adoption. Recently many researchers had been focusing on this problem of Youth Unemployment and
Underemployment in Tanzania over how to solve it, with multiple insights and approaches over it with no exact
solution, many recommendations have made with no even efforts and others had fortunately put into action but
the problem keeps on. So, from this study based on the seriousness of the problem and the overhead vision of
the country to next 10 – 20 years later of reaching a stage of industrization and having middle economy in

15
relation to the Global approaches on 17UN proposed Sustainable Development Goals and its adoption in the
country, we recommended some insights that the government, youth in themselves, Parents, and Educational
Institution should focus on to solve that complicated problem in relation toward winning the proposed country
and Global visions:
5.7.1 What makes majority fail to Adopt
Self – employment
Fig. 8
5.8 Small Business Startups vs. Capital and Policies
Apart from policies not being good to small business Startups, also this study was identify that for graduates no
matter they have potential ideas (projects) and are fully passioned to be self – employed, they have no where to
access capital to support them to implement their projects. Financial systems we have do not have trust to the
graduates because no collaterals to make them being trusted. For the all respondents who involved to this study,
about 85% of all of them said not easy form graduates and small business to be trusted by most Banks to access
a loan.
A CHALLENGE TOTAL INVOLVMENT
(%)
Lack of capital 69 51.9
Fear 37 27.8
Not self employed
consciousness
27 20.3

16
5.8 .1 Does small business startups/graduates
Easier to access a bank loan?
POSIBILITY TOTAL ARGUMENTS
(%)
Not easy 112 84.2
Easy 21 15.8
Fig. 10
5.8.2 How many believe that most youth are Jobless
Because they have no where to access capital
RESPONCES TOTAL INVOLVMENT
(%)
Nowhere to
access capital
108 80.6
Capital is
available
26 19.4
Fig.11
5.8.2 How many believe that if could be
Somewhere to access capital for youth
Majority would be self employed
OBSERVATIONS TOTAL ARGUMENTS
SUPPORTS (%)
Source of capital 117 88
Can not help 16 12
Fig.12

17
5.9 Capital accessibility to youth (ASG BANK)
From this study majority of young men said that, if could be a source or somewhere to youth to access capital
for them under little limitations and interest rate, most of them are ready to be self – dependent by establishing
their own business. Around 87% of all respondents from this study said are ready. All who involved to this
study said that being with Youth Association Bank in the country can be a breakthrough to their financial
problems to reinforce their projects.
5.9.1 How many believe that if majority would
Adopt self employed can be a breakthrough to
Both youth Unemployment and
Underemployment challenges
Fig.13
5.9.2 Does those who involve to online
Gamboling are there to fulfill there dream
OBSERVATIONS TOTAL COMMENTS (%)
Have jobs 27 20.5
They are wasting
time
105 79.5
Fig. 14
SELF -
EMPLOYMENT
STATUS
TOTAL A LEVEL TO
SERVE (%)
Self – employment
can serve
116 86.6
Can not help 18 13.4

18
5.9.3 How many believe that if youth could have
Their own financial system can be a breakthrough
to their financial problems
RESPONDENT
STATUS
TOTAL LEVEL OF TRUST
(%)
VERY HELPFUL 127 96.2
NOT HELPFUL 5 3.8
Fig.15

19
CHAPTER SIX
6.0. YOUTH ASSOCIATION BANK
6.1 ASG BANK
ASG BANK is a proposed Youth Association Bank (Organizational Financial System) to reinforce young
men‘s dreams as illustrated here: https://iris.thegiin.org/share/id/20289x6102ea12a0acb/
6.1.2 How many believe that the establishment
Of Youth Association Bank can be a breakthrough
to youth financial challenges.
STATUS
OF
RESPONCE
TOTAL A LEVEL TO
SERVE (%)
40% 10 7.6
60% 37 28
80% 49 37.1
90%+ 36 27.3
Fig.16
6.1.2 Youth by themselves to support the Establishment
Of Youth Association Bank in Tanzania (ASG BANK)
STATUS FROM
RESPONDENTS
TOTAL WHO ARE READY
(%)
Am read to
contribute
127 94.8
Not ready 7 5.2
Fig.17

20
CHAPTER SEVEN
7.0. PRESENT INITIATIVES TOWARDS IMPLEMENTATION OF THE PROJECT
7.1 What we have now:
. 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 Lessen No.B 3624336
. A Bank account
ASGROUP Association has a BANK A/C already to CRDB Bank. So we have a point to start
CRDB Bank A/C No: 0152526202200
. A constitution
ASGROUP Association has a REGESTERED CONSTITUTION. So we have a point to start and do some little
AMENDIMENTs.
. Addresses
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

21
. A 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.
. Leaders
Staff and Organization Information
Eng. Kija, Marketing Manager a continuing Student in a Bachelor‘s degree in Agricultural Engineering from
Sokoine University. Abass Mwakalobo, project coordinator, a continuing Student in a Bachelor‘s degree in
Wildlife Management from Sokoine University. Adrianus Andrew, chairman, holds a Bachelor‘s degree in
Agronomy from Sokoine University. Bahame Mikembo, vice Chairman, continuing Student in a Bachelor‘s
degree in Wildlife Management and Accountant from Sokoine University, Marketing Officer. Mr. Musa,
Technology Transfer and Farm Manager hold a Bachelor‘s degree in Agronomy from Sokoine University.
. Community Awareness
AsGroup has already created an awareness to majority of youth in the country concerning this project to the
targeted group, where all who to reach were very excited to this idea, over 95% are ready to contribute to this
idea get implemented.
CONCLUSION AND RECOMMENDATION
An establishment of this bank will reinforce dreams among graduates by using their acquired education wisely
and increase an Entrepreneurial competitive level among youth in the country and globally. Also those youth
that are coming from poor families will be able to serve their families to break poverty spell (poverty cycle).
Small enterprise, projects, and industries will be able to emerge in the country of different status and this have
big contribution to 17 SDGs (global agendas by 2030) and Tanzania Government plan to implement its Vision
by 2025 through five year development plans (FYDPs) as sidelined by heavily indebted poor countries (HIPC)
process and Qualifying for debt relief under HIPC required the preparation of poverty reduction strategy papers
(PRSPs), which focused on delivery of social sectors.

22
8.2 Contributions to Sustainable Development:
The ―Youth Association Bank‖ will increase and improve financial accessibility to youth/graduates to foster
their projects. The enterprise will contribute significantly in improving livelihoods of the rural population and
sustainable economic growth of the country.
More specifically, the successful implementation Youth Association Bank in the country will contribute to
Tanzania‘s sustainable development as follows:
t provides employment opportunities in the country using Collage and University
graduates and local workforce, which will give an increase in local communities‘ income. Also will contribute
to the poverty alleviation and improve living of households.
general the Bank will increasing access simple loans ( Funds and Machines) to youth to support their
projects and facilitates the economic development through enhances the local investment environment by
improving the local economics.
. Government Policies to youth still a big challenges to support small business startups to establish and build the
business in country, so due to the fact that those youth have no where to come together and enable them to
address their needs policy makers, ASG BANK will help to support the establishment of YOUTH PLATFORM
for discussion.

23
REFERENCES
Buheji, M. (2019).Youth Unemployment Mitigation Lab – An Empathetic Approach for Complex Socio –
Economic Problem: American Journal of Economics 2019, 9(3): 93-105 DOI: –
10.5923/j.economics.20190903.02
National Bureau of Statistics (2019).Tanzania in figures 2018, Dodoma. The United Republic of Tanzania.
ASG BANK research Questionnaire form sent to the targeted community for data correction:
https://docs.google.com/forms/d/e/1FAIpQLSdf4WR-
261kNZPQz9LlHa9CuSX3C9EuHYhnhCx8bt0VElQ6oQ/viewform
Respondent reactions and it‘s analysis from the targeted community over the proposal of ASG BANK from the
research we made:
Strategies highlighted on how to link Collage and University students to ASG BANK to enhance their support:
https://www.asmallgiantgroup.com/assets/posts/BANK_YA_VIJANA.pdf
About ASG BANK: https://iris.thegiin.org/share/id/20289x6102ea12a0acb/
Seleman Pharles Mabala. (2019), Policy brief: How to reduce youth unemployment in Tanzania, University of
Southern Denmark.
World Meter (2019) The Current Population and Growth Rate in Tanzania Accessed on 26 April 2019 at
2038hrs from: https://www.worldometers.info/world-population/tanzania-population/
Agwanda, A and Aman, H (2014) Population Growth, Structure and Momentum in Tanzania THDR 2014:
Background Paper No. 7 ESRF Discussion Paper 61. Economic and Social Research Foundation
(ESRF).
Haji, M (2015) Youth employment in Tanzania: Taking stock of the evidence and knowledge gaps 1-25,
International Development Research Centre, Canada
Kiaga A. (2016) United Nations Joint Programme on Youth Employment, Tanzania: Developing an integrated
strategy towards addressing the youth employment challenge in Tanzania

24
accessedfromhttps://www.ilo.org/addisababa/countries-covered/tanzania/WCMS_531382/lang--
en/index.htm
Danish Trade Council for International Development and Cooperation, (2016) (DTCIDC). .Labour Market
Profile: Tanzania and Zanzibar. Copenhagen, Denmark. 1-32
National Bureau of Statistics (2019).Tanzania in figures 2018, Dodoma. The United Republic of Tanzania.
National Bureau of Statistics,(2014 ).Integrated Labour Force Survey (ILFS)
Ministry of labour, employment and youth, (2007). National youth employment action Plan. Dar es Salaam.
The United Republic of Tanzania.
Danish Trade Union Council for International Development Cooperation/ LO/FTF Analytical Unit, (2018).
Tanzania and Zanzibar Labour Market Profile.
Nadia Belhaj, Hassine Belghith, Wendy Karamba, Elizabeth Talbert, and Pierre de Boisseson (2018). Tanzania
Mainland Poverty Assessment. World Bank Group.
Mahjabeen, H. (2015).Youth employment in Tanzania. Taking stock of the evidence and Knowledge gaps.
International Development Research Center (IDRC),Canada.
Tanzania Investment Centre, Tanzania development plan, vision and investment priorities to achieve middle
income status by 2025, Ministry of finance and planning. The United Republic of Tanzania.
Herb Cohen, (1982).You Can Negotiate Anything: The World‘s Best Negotiator Tells you How to get what you
Want. Bantam Books, Broadway, New York. (First Ed.). 101 pp.
Simon Peter, (2013), Nature of urban youth unemployment in Tanzania: Challenges and consequences: 19th
Annual research workshop, REPOA. Dar es Salaam, Tanzania. Draft Working Paper 17 – 18 pp.
Ministry of Labour, Employment and Youth Development (MLEYD), (2007). National youth employment
action plan. Dar es Salaam. The United Republic of Tanzania.
International Labor Organization ILO (2019). World Employment Social Outlook. Geneva, 1-121
Seleman, Pharles, Mabala (2019). Police Brief: How to Reduce Youth Unemployment in
Tanzania.ResearchGate, Universitry of Southern Denmark 1(1).
Ndubuisi, Ekekwe (2015). The Challenge Facing E – Commerce Start – ups in Africa: Technologies driving
business. Harvard Business Review. EmTech Next

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Jack Ma (2018). Alibaba’s Jack Ma’s lessons for African entrepreneurs. CNBCAfrica. YouTube:
https://youtu.be/LToLyCg0zel
Tanzania and IMF report 2019 accessed on 26 April 2019 from
https://af.reuters.com/article/topNews/idAFKCN1S00M4-OZATP at 2134hrs.
Denmark-Tanzania partnership Policy 2014-2018 - Current and future challenges and opportunities in
Tanzania retrieved from http://um.dk/en/danida-en/strategies%20and%20priorities/country-
policies/tanzania/current-and-future-challenges-and-opportunities-in-tanzania/ on 26 April 2019 at
2202hrs.
Ministry of labour, employment and youth development MLEYD (2007). National youth employment action
plan. Dar es Salaam
Yolanda, K. Kodrzycki (2002). Education in the 21st
Century: Meeting the Challenges of a Changed World.
Federal Reserve Bank of Boston 47th
Economic Conference June 2002.

26
APPENDIX
10.1 Other Case Studies and statistical figures globally.
It has been said that, ―Statistics are very vital in the development of any country particularly when they are of
good quality since they enable government to understand the needs of its people, set goals and formulate
development programs and monitor their implementation‖ (National Bureau of Statistics, 2019).Statistical data
provides a road map or general overview over the problem on its trends that enable to decision making on its
Mitigations. The following are statistical information on the problem and its trends worldwide and over the
country including different efforts that had been made till now;
Global youth unemployment is again on the rise, largely due to a significant economic slowdown in some
major emerging countries:
Figure 18.Youth unemployment trends over the World 2015 - 2017
Figure 6.Poverty trends over the world 2016.

27
Figure 19.Migration trends over the World 2009 & 2015.
Figure 20.Gender gaps to labor force Worldwide by region 1991 & 2016.

28
Figure 21.Youth Unemployment Trend in Africa (Trading Economics, 2019)
Source: Trading Economics
10.2 SOME MEASURES THAT WERE RECENTLY ALREADY ADOPTED BY COUNTRIES
AGAINST UNEMPLOYMENT CHALLENGES TO YOUTH WORLDWIDE:
Figure 22. List of Youth Unemployment Mitigation Labs carried out by the researcher from September,
2015 till March, 2019: Source: American Journal of Economics 2019, 9(3): 93-105
a) Direct Youth Unemployment Proactive Approaches (DP)
Type of Business Summary of Socio-Economic Type of Inspiring Projects/Models
1. Education for job
creators
& capacity building for
job
seekers (DP)
1-Developing creative thinking programs.
2-Discovering Inspiring Students at the right time during their 12 years in education.
(Early inspiration discovery Program).
3-Establishing track of the inspired students after graduation (Inspiration Pathways).
4- Delivery of (extra-curricular programs).
5-Establishing early inspiration discovery program.
6-Building Inspiration resources within School and after School.
12-Establishing Future Boundary-less Schools
2. High Education that
creates new labor
market (DP)
1-Build a knowledge economy driven practices, including implementation of Lifelong
learning skills programs
2-Improve the academic counseling that enhance the students‘ graduation time and give
proper guidance at the right time.
3-Improve the University capability to attract competitive projects and contracts through
re-organizing its knowledge expertise and profile.
4-Establish better readiness for students‘ lifelong learning skills as per type of specialty

29
and disciplines.
5-Enhance students‘ fitness or competence to meet labor market demand.
6-Ensure students finish the requirements of the curriculum in the planned time: i.e.,
within four years for Bachelor programs, and one and half years for Masters programs.
7-Apply Pull-thinking technique to improve academic advisory services.
8-Apply ‗smart registration practices‘ that enhances the students‘ choices and eliminate
waste in opening extra
3. Labour Market (DP) 1-Shifting Unemployment through inspiring the stratification of Human Capital data and
building models in specific industries as per countries sustainable socio-economy needs
2-Minimising unemployment rate through effective counseling
3-Raising opportunities for employment through sourcing type of job opportunities,
especially in less demanding Jobs.
4-Improving locals‘ employment and demand in areas of hospitality, engineering and
nursing
5-Minimise the gap between locals and expat in the main jobs of market demand by
defining areas that the national labor should compete
4. Improving
handcrafts in
Villages (DP)
Improving the quality of handcrafts finishing and representation in the villages
5. Village Society –
Productive Families &
Eco-Tourism Program
(DP)
1- Collection of small and large projects that target to create a comprehensive eco-
tourism village.
2-All projects related to working from home and provision of raw materials to making
gift products, fashion design are inter-related, and this gives more importance to the
project.
3-Target is to gradually make the village reach tourist spot with different hospitality
activities especially during holidays and specific seasons
6. Graduating and
Unemployed Graduate
Students Mindset
Management (DP)
1-Understanding Dynamics of Labor Market
2-Setting life purposefulness Mindset
3-Challenging transformation towards self- independence and ‗Big Picture‘ Legacy
Model
4- Enhancing Employer engagement with schools, colleges and universities and improve

30
the feedback Students interaction and readiness to challenges of the local economy.
7. Women
Entrepreneurship
NGO (DP)
1-Analysing the impact of programs on ‗woman development‘, not only ‗women-
empower‘, and the ‗living Standards‘ that comes with the ‗Quality of Life‘ in the NGO
area and scope of delivery.
2-Optimising the inter-disciplinary learning approach.
3-Enhancing the ‗learning by doing‘ practices
4-Measure the differentiation of women on the economy.
8. Organic Farming
Tourism (DP)
Select areas of Organic Farming and turn it around eco-tourism to enhance the young
formers profit margin and Quality of life while supporting family continuity and
encouragement of youth into this business.
9. Social Insurance
(DP)
1-Creating selective thinking in the way of investment of pension fund that would
enhance the productivity of the national economy
2-Inspiring the social responsibility plans to ensure that selective type of lower pension
jobs is more prepared for entrepreneurship after retirement
10. Applied Science
Colleges (DP)
1-Inspiring students to enhance their scientific and research contribution towards
innovation index by more focused projects
2-Use the power of peer to peer influence to improve non-performing students
11. Woman Village
NGO
(DP)
1-Enhance the Return on Capital Employed for the villagers during the chain of making
to delivery and distribution
2-Enhance young girls‘ involvement in Woman village activities to ensure the
sustenance of knowledge transfer.
b) Indirect Youth Unemployment Proactive Approaches (IP)
12. Radio & TV – Bahrain
& Bosnia (IP)
1-Build focused positive psychology waves of initiatives that raise the aspiration
of the society and trust of the future of the socio-economy of the country
2-Setting inspiration & youth economy focused strategic programs that integrate

31
all the concerned parties towards Action
13. Social Development to
Mitigate
Unemployment Risks (IP)
1-Improving the Quality of Life of the Elderly/ Geriatric Care Homes through
exploring social asset of Day-Care Homes, instead of permanent residency
homes.
2-Inspiring the capacity of the productive family program to be more self-
independent and attractive for more family members to join as full-time
employees/ owners.
3-Building stronger family businesses that have higher Return on Capital
Employed (ROCE).
4-Enhance the return from Elderly homecare production
5-Enhance the quality of life of the Disabled People and their Production
6- Easing the process of home care
7- Supporting ‗Working from Home‘ Program
8- Revaluating the Capability of Social Allowance Value and Entitlement – in
relevance to Quality of Life with priorities.
9- Enhancing the products quality and competitiveness of the Retired & the
Disabled
10- Improving the Quality of Micro Start Families with a focus on Women and
People Vulnerability.
11-Improving Quality of Life of Families in isolated communities and tribes
(enhance the productivity factors for women and families working from home),
with a target to reduce the impact of poverty through eco-tourism projects.
14. Quality Assurance in
Education (IP)
1-Ensuring that all students in under-performing school meet the minimal
standard.
2-Ensure that QA system create job creators, not job seekers
15. Woman National
Planning (IP)
1-Setup a comprehensive outcome and legacy-driven national plan that changes the
way woman are empowered in Bahrain by giving her more accountability to create
social cohesion, stability and national competitiveness.
2-Closing the gap and accelerating the transformation towards ‗Women Development‘
instead of ‗Women Empowerment‘ after five years from the National Plan Kick-off.

32
3-Ensure knowledge sharing between Business Women, Women Entrepreneurs and
Women of Productive Families Programs and especially those of the same or relevant
business and link it to qualification rating. (i.e. Rating of Entrepreneurs who
contribute and share knowledge)
16. Humanitarian
Services
Agency (NGO's) (IP)
1-Reversing the model of poverty support, by making poverty as a temporary
condition that we need to prepare the beneficiaries to beyond this stage.
2-Diverting the type of services to be more for sustained income, instead of non-
sustainable support
3-Mapping partnership collaboration services (Academic, youth, NGO's, Government,
etc.)
-Building Cost and Profit center
17. Socio-Economic
Role of
School
Dormitory (IP)
1-Showing the benefit and the differentiation of the ‗Non-Performing Students‘
towards the Society and the Socio-Economy.
2-Establishing Students micro start companies
3-Establishing model for dealing non-performing students
4-Showing the self-independence of Religious Studies schools and students (by
developing more profit rather than cost center).
18. University
(IP)
Ensuring Lifelong Learners Students through the inspiring way of flipped class
teaching and ensuring suitable preparedness for coming life challenges.
19. Municipalities
and Urban
Development (IP)
1-Redesigning the public buildings for schools, hospitals to create more multi-purpose
buildings owned by the Government and measured for its rate of occupancy and
utilization.
2-Enhance recycling culture and practices, besides prove its financial benefits for
decision makers, without increasing resources.
3-Improve Building maintenance facilities in the early stages of government-owned
building designs
20. Tender Board (IP) 1-Diverting more tenders to the benefit of local SMEs and new start-ups.
2-Setting performance standard for the role of the tender board in the cycle of the
economy.

33
21. Inspiration
Economy
Teaching Program
In Higher
Education (IP)
1-Implementation of Inspiration Economy Diploma Program
2-Illustration by Doing Multi-disciplinary teaching in classes
3-Illustration of how inspiration economy changes the way Course intended learning
outcome and the program intended learning outcome through techniques as changing
the enablers (i.e. the way teaching is delivered in flip class approach where students
teach, and the teacher facilitates)
4-Establish outcomes that are measured by ‗open book exam‘ and by effective
projects that enhance the students persistent in creating positive change in the area
studies
22. Management
of NGO‘s
role in creating
better
Socio-Economies (IP)
1-Creating Discussion Group between the different last three generations that
identifies: the respected difference, the gaps and positivity of intergeneration gap.
2-Setting projects for mitigation of the gaps
23. Greenhouse project
in eco-tourism villages (IP)
1-The project involves many people from the village and youth to produce semi high-
end products relevant to what the greenhouse produce.
2-Branding, Packaging, Labeling and Marketing of the semi high- end products of the
eco-village.
3-Reduce Migration of Youth with more employment opportunities for the villager's
families
24. ‗Education
on Wheels‘ & ‗
Education at
Door Steps‘
Projects (IP)
1-Target to deliver education to rural and isolated communities.
2-Formal and Informal Education for children in slums areas
25. Agriculture
and Farming
(IP)
1-Redesign Bahraini farmers‘ produce by establishing what is called "National
Farmers‘ Day."
2-Improve the distribution chain of local salad by attracting consumers to purchase
local vegetables and fruits, and arranging deals between hospitality suppliers and local
farmers.
3-Increase Palm Trees implantation by the government, private and the public.
4-Increase Palm tries protections, care, production and by-product industry develop

34
5-Improve the level of Gardening Competitions
26. Improve
learning
capacities to
lifelong learning
citizens on
activities (IP)
1-Show influence of Disruptive Education and Multi-discipline on creating more
inspiring students
2-Simulation experiments & hands-on to enhance community innovation around the
university campus.
c) Direct Youth Unemployment Reactive Approaches (DR)
27. Psychiatric
Services
that help
mitigation of
un-employment
Risks
(DR)
1-Inspiration of capacity to manage the anxiety to avoid reaching the level of chronic
anxiety
2-Reduce the need to treat anxiety with medicines.
3-Reduce suicide ratio due to early treatment of main causalities among youth.
4-Reduce the patients' sick leave due to self-assessments of psycho-sematic symptoms
28. Commercial
Sector (DR)
1-Enhancement of CR registration through inspiring the reality of 'one stop shop'.
2- Improving the contribution of Microstate and Small Enterprises towards more
profitability and enhancing its actual contribution to Labor Market.
3-Improving the speed and availability of fine stones and pearls test certificates
4-Improving the cash flow status of Family Enterprises and reducing bad debts
5-Improving the smooth transition of businesses from 2nd to 3rd generations.
6-Building Independent Business Models
7-Ensuring 2nd generation appreciates the importance of family business governance
8-Raising the capacity, the differentiation of the 2nd generation
9-Setting the smooth transition mechanisms within the families generations
29. Pension
Fund (DR)
Inspiring investment towards enhancement Local Market Stability

35
30. Labor
Fund (DR
1-Ensuring that all funded projects had made a success story through the domino's
effect of labor Funds.
2-Ensure measurement of success stories in relevance to labor fund projects
3-Ensuring the developing capacity in the survival of start-ups of more than three
years on average and development of safe exits to youth projects.
4-Minimise enterprises‘ dependency on government aid funds.
5-Divert more mentorship on ‗Necessity Entrepreneurship‘ and improve the solutions
they bring to the community.
31. Migrants &
Migration
Risks
Mitigations (DR)
1-Program for healing migrants‘ psychology and mental healthiness to create from
them contributing citizens in the hosting country.
2-Help establishing special Entrepreneurship Companies (using collaborative &
knowledge economy techniques) for Migrants youth that accelerate their preparedness
for inclusion in the new labor market.
3-Create success stories of sharing economy based models of migrants who came back
to re-settle and influence their socio-economy.
4-Enhance migrants‘ productive families‘ capability integration in the country of the
host.
32. Barbarian
farmers
Village (DR)
1-Improving the quality of life of families in the Amazing Villages through eco-
tourism and small family businesses that support such cluster
2-Build youth independence program that counters poverty through raising the
capacity of the farmers for competitive packaging and distribution.
3-Build youth trust in the village system as a source of income
33. Students Socio-
psychology
Awareness
and counseling
programs
(DR)
1-Sponsoring project on counseling the students‘ social workers and councilors
2-Simplify tools for measuring students‘ safety or positive psychology or stress
release
3- Not our goal to do students awareness campaign for universities, but do projects
make a university or school bullying, harassment, etc.
4-Tackle issues of students‘ depression and see its influence on society.
34. Ministry of
labor (DR)
1Re-Engineering Counseling Services to start from High School and be Flexible
towards Job Creators than just Job Seekers.
2-Ensuring alternative plans for graduating specialties with constraint opportunities

36
3-Starting Companies for Unique Jobs as Nursing, Social Workers, Hospitality
Services.
4-Nationalising Jobs that represent the country heritage and support tourism
5-Exploring the possibility of creating Human Capital Bank that would transform 30%
of the Job Seeker towards job creation; over a planned career path.
6-Closing the Gender Gap in Unemployment, by re-inventing new productivity jobs
for Graduating Women.
d) Indirect Youth Unemployment Reactive Approaches (IR)
35. Bringing Low
Privileged
Community
Children to Formal
Education
by focusing
on Sports (IR)
1-Integrating youth with both formal sport and traditional games
2-Evaluate possibility for the continuation of formal and informal education
3-Use peer to peer education
36. Housing
Services (IR)
1-Reduce the gap between citizens‘ demands and their quality of life needs
2-Improving the choices and variety of options in non-villa packages (i.e. flats)
3-Reduce the negative social inequality and improve social coexistence through post-
housing services
37. Societal
Change
Programs (IR)
1-Mitigation of Migration amongst Youth
2-Optimise the Youth Quality Life through Students Pull thinking targeted programs
3-Building a poverty blockage and prevention program
4-Addressing the Gambling (pitting) behavior amongst youth and building prevention
scheme through schools‘ model
5-Building Youth Entrepreneurship & Innovation programs
6-Enhancing Youth contribution in voluntary work through rectifying and supporting

37
a change in Sports club towards enhancing youth decision making.
7-Bridging the gap between academic Social Work and Social Studies Schools and the
realized community problems. (Building Life Long Learning Programs that shape the
Community)
8-Improving disserted women shelters returns.
9-Improving children without known parents‘ programs
10-Enhancing Red-Cross Programs Impact in the positive psychology of the
community
11-Improving Pre-School influence programs on Children of Homeless and Beggars‘
families.
38. Camel Wool
Carpet
Factory to be
in Villages (IR)
1- Reverse-Design for Camel Wool Factory- Production from the Factory to
Production to the Factory
2- Re-Distribute Manual Wool Carpet Machines from Factory focused on Villages
& Production Families Focused.
3- Re-establish Organic Handmade Carpet Marketing Program
Source: Buheji, M. (2019) Youth Unemployment Mitigation Lab – An Empathetic Approach for Complex
Socio – Economic Problem -Solving‖, Author House, UK.
10.2 Supportive recent studies done in Tanzania over the problems
Population:
The population of Tanzania has increased more than four times from 12.3 million in 1967 to 54.2 million in
2018 and around 60 million in 2020. The average annual intercostal growth rate according to the 2012
Population and Housing Census is 2.7 percent.

38
Figure 23 .Estimated total employments Tanzania Population Trend in Millions, 1967 - 2018 from 2014 to
2018.
Projected figures based on 2012 Population and Housing Census
Source: National Bureau of Statistics; Population and Housing Censuses of 1967, 1978, 1988, 2002 and 2012.
Source: National Bureau of Statistics
Figure 24. Percentage Distribution of the 2018 Projected Population by Age Group and Sex, Tanzania.
Source: National Bureau of Statistics, 2019. Tanzania in figures
2018.

39
Education:
Figure 25.
Source: Ministry of Education, Science, Technology and Vocational Training
Figure 26. Total Enrolment (number) by Level and Ownership, Tanzania Mainland, 2012 – 2018.
Source: Ministry of Education, Science, Technology and Vocational Training

40
Figure 27. Number of Students Enrolled in Universities and Colleges: by Type of Institutions Tanzania,
2018 – 2019.
Source: Tanzania Communication for University (TCU)
Employment:
The projected statistics shows an increase of labor force of 2.0 million people over the past five years; i.e. from
2014 to 2018. The national labor force has grown from 22.3 million people in 2014 to 24.3 million people in
2018. In addition, the number of people with employment has increased from 20.0 million in 2014 to 22.0
million in 2018. In addition, there has been a decline in the rate of unemployment in the country from 10.3
percent in 2014 to 9.7 percent in 2018(National Bureau of Statistics, 2019).
Figure 28. Estimated total employment from 2014 to 2018(National Bureau of Statistics, 2019).
Source: National Bureau of Statistics; 2014 Integrated Labor Force Survey (ILFS)

41
Figure 29. Formal Employment Created (number) by Sector, in Tanzania Mainland, 2013/14 - 2017/18
(National Bureau of Statistics, 2019).
Sector/Project 2013/14 2014/15 2015/16 2016/17 2017/18
Government 49,615 44,797 71,496 82,302 18,000
Government
Development
Projects
172,245 271,920 124,178 132,147 397,009
Private Sector 408,756 257,323 195,002 239,017 137,054
Total 630,616 574,040 390,676 453,466 552,063
Source: PMO-Labor, Youth, Employment and Disability
Youth Unemployment problem:
The Current Analytical Situation of Youth Unemployment problem in Tanzania (Seleman, 2019).
As we have seen already the current Population in Tanzania is around 60 Million people by now in 2020, where
such population keeps increasing at the rate of 3.11 per cent every year (World Meter 2019). The increase in
youth population has opportunities as well as challenges. One of the challenges is youth unemployment
(Agwanda & Aman, 2014). Youth unemployment in Tanzania has been a long-time problem (Haji 2015,
DTCIDC, 2016, Kiaga 2016). The larger problem of chronic underemployment can be traced back since
independence 1961. The current youth unemployment rate is 11.5 percent.

42
Figure 30.Forecast Unemployment rate from 2014 to 2018(National Bureau of Statistics, 2019).
Source: National Bureau of Statistics; 2014 Integrated Labour Force Survey (ILFS)
Gender gap:
Gender gap as challenges on employment in Tanzania:
Young female gender in the rural are mostly affected (Ministry of labour, employment and youth, 2007)
According to the National/Expanded definition, 13.36% of all youth aged 15-24 years are
Unemployed (11.84% of males and 14.82% of females in this age group). In the 10-17
Years age group, 11.2% of those in rural areas (28.4% of males and 30.9% of females) and 29.7% in all urban
areas (10.6% of males and 11.9% of females) were unemployed.
Figure 31.Youth population in employment, unemployment and NNET in Tanzania mainland, % and
gender gap 2014(LO/FTF Council, 2018)
Men Women
Gender Gap,
percentage
point(p.p)
Employment participation
rate* 78% 76% -2p.p
Youth unemployment*
7.0% 12% +5p.p
Not in
employment(NEET)** 12% 21% +9p.p
Age group: 15 – 24. Not in employment or in Education and training (NEET).
Source: Tanzania National Bureau of Statistics, Integrated Labour Force Survey from 2014.

43
Poverty:
Tanzania Mainland Poverty General Overview (Nadia et al, 2018).
Over the past decade Tanzania recorded remarkable economic growth and a persistent decline in poverty. The
country‘s strategic location, its rich and diverse resources, its sociopolitical stability, and its economic reforms
over the past four decades contributed to its economic success and serve as a foundation for further building up
the economy. Continued government efforts to improve living conditions have resulted in a sustained increase
in access to basic services and improvement in human capital outcomes (though from a low base), which helped
to reduce poverty. After plateauing between 2001 and 2007, in 2018 the poverty rate fell from 34.4 to 26.4
percent. However, Tanzania‘s success is not unmitigated. Poverty was not reduced as much as the population
grew, resulting in an increase in the absolute number of poor people. In 2018, about 14 million people lived
below the national poverty line of TZS 49,320 per adult equivalent per month and about 26 million (about 49
percent of the population) lived below the $1.90 per person per day international poverty line. Vulnerability is
also still high: for every four Tanzanians who moved out of poverty, three fell into it. A large number of non
poor people living just above the poverty line are at risk of slipping below it. Beyond the persistent gaps
between urban and rural areas, there are large disparities in the distribution of poverty across geographic
regions. Poverty is highly concentrated in the western and lake zones, and lowest in the eastern zones. The
reduction in poverty was also low in relation to Tanzania‘s remarkable economic growth. The growth elasticity
of poverty in 2019 was indicated that a 10 percent increase in Gross Domestic Product (GDP) growth per capita
in Tanzania can be expected to reduce the proportion of the poor by about 4.5 percent—low compared to
estimates for other developing countries. This is due to both the concentration of employment in slow-growing
sectors and the dilatory transformation of the economy. The depth and severity of poverty also eased. For 2007–
18, the depth of poverty, which measures how far on average poor households are from the poverty line,
decreased from 10 to 6 percent—in other words, a poor household in rural areas, the amount needed there is
TZS 3,650, far more than the TZS 1,726 per adult equivalent per month for poor households in urban areas. The
low poverty severity index which was more than halved, from 4.5 in 2007 to 2.1 in 2018, suggests that
inequality between poor households is fairly low. Would on average need TZS 3,058 per adult equivalent per
month to escape poverty. Since poverty is deeper. But due to the circumstances of COVID – 19 in 2020 the
GDP will go down than the normal the fact that will lead the problem to raise again.

44
Figure 32.Poverty Trends, National Poverty Line in Tanzania, 2007–18, Percent (Nadia et al, 2018)
Year 2007
34.4%
Year 2012
28.2%
Year 2018
26.4%
Urban 20% 15.4% 15.8%
Rural 39.1% 33.4% 31.3%
Source: HBS 2007, 2011/12, and 2017/18
Figure 33.Poverty Incidence by Region, 2018, Percent (Nadia et al, 2018).
Source: HBS 2017/18 and auxiliary variables

45
Figure 34. Poverty Incidence by District, 2018, Percent (Nadia et al, 2018)
Source: HBS 2017/18 and auxiliary variables
Figure 35. Poverty Status by Area, Tanzania Mainland, 2007 and 2011/12 (National Bureau of Statistics,
2019).
Year
Area % of Population
below Food
Poverty Line
% of Population
below Basic
Needs Poverty
Line
% of Female
Headed
Households
2007 Dar es Salaam 3.2 14.1 24.4
Other Urban 8.9 22.7 30.1
Rural 13.5 39.4 23
Total 11.8 34.4 24.5
2011/12 Dar es Salaam 1 4.1 22.5
Other Urban 8.7 21.7 27.6
Rural 11.3 33.3 24.3
Total 9.7 28.2 24.7
Source: National Bureau of Statistics; Household Budget Surveys, 2007 and 2011/12

46
Figure 36.Percentage Distribution of Poverty by Number of Employees, Tanzania Mainland, 2007 and
2011/12 (National Bureau of Statistics, 2019).
Number of Employees in a
Household
2007 2011/12
Headcount Ratio % of
the Poor
Headcount Ratio % of the
Poor
None 41.0 75.1 30.5 78.0
1 20.9 14.2 19.8 14.0
2 21.9 6.9 24.5 2.5
3 19.7 1.8 23.9 1.9
4 or More 31.3 2.0 18.5 3.6
Total 33.6 100.0 28.4 100.0
Source: National Bureau of Statistics; Household Budget Surveys 2007 and 2011/12
Crime Statistics in Tanzania:
Figure 37.Number of Offences against Person, Tanzania, 2013 – 2018 (National Bureau of Statistics,
2019).
Offence
2013 2014 2015 2016 2017 2018
Murder 3,929 3,775 3,560 3,318 3,026 2,655
Rape 6,105 6,028 5,802 7,645 8,039 7,617
Un-natural
Offence
820 944 928 1,202 1,184 1,201
Child
Stealing
192 146 146 170 129 113
Child
Desertion
243 237 205 159 142 112
Defilement 10 15 12 18 26 34
Human
Trafficking
36 21 45 55 32 27
Total 11,335 11,166 10,698 12,567 12,578 11,759
Source: Tanzania Police Force

47
Figure 38.Number of Offences Related to Property, Tanzania, 2013 – 2018
Offence 2013 2014 2015 2016 2017 2018
Theft of Arms 76 59 53 33 28 35
Robbery in Highway 3 0 3 29 55 1
Armed Robbery 1,266 1,127 913 726 574 438
Robbery with Violence 5,710 5,294 4,507 3,945 2,796 2,117
Breaking 23,017 21,479 20,337 19,803 16,883 14,741
Theft 0 0 179 193 148 157
Theft of Motorcycle 4,695 5,232 5,317 5,633 5,077 5,236
Theft of motor vehicles 464 427 488 452 267 228
Livestock theft 5,307 5,119 4,879 5,106 4,908 4,203
House burning/arson 2,402 2,293 2,031 1,962 1,439 1,137
Fire accidents 369 740 577 828 0 0
Financial Crime 1,276 995 1,146 1,990 1,640 1,303
Total 44,585 42,765 40,430 40,700 33,815 1,303
Figure 39.Main Criminal Offences Reported by Region, Tanzania, 2018

48
Figure 40.Main Criminal Offences Reported by Region, Tanzania, 2018……….
Economic Indicators:
Figure 41.GDP Growth Rate at 2015 Prices, Tanzania Mainland, 2013-2018
The annual GDP in Tanzania Mainland has been growing at an average rate of 6.7 percent from 2013 to 2018.

49
Figure 42.Consumption Expenditure and Balance of Trade:
Figure 43.Government Minimum Wage (Thousand TZS), Tanzania Mainland, 2009/10-2016/17
Source: President’s Office Public Service Managemen

50
Figure 44.Non-Government Minimum Wage by Sector, Tanzania Mainland, 2016.
Source: President’s Office Public Service Management
Figure 45.Ctd: Non-Government Minimum Wage by Sector, Tanzania Mainland, 2016
Source: President’s Office Public Service Management

51
Figure 46.Cross-country comparison of earnings per worker 2012
(Mahjabeen, 2015).
Note: in GDP
per person employed 2012- constant 1990 $PPP. (PPP = purchasing power parity)
Source: WDI Indicator
10.3 TANZANIA DEVELOPMENT PLAN, VISION AND INVESTMENT PRIORITIES TO ACHIEVE
MIDDLE INCOME STATUS BY 2025.
Figure 47.Tanzania Development Plan, Vision and Investment Priorities
Source: Tanzania Investment Centre.
Tanzania’s development aspirations are outlined in the Tanzania Development Vision 2025 TDV 2025) which
was developed in the late 1990s to guide economic and social development efforts up to the year 2025

52
Targets.
1. Transforming Tanzania into a middle-income country, imbued with five main national attributes:
a) High quality livelihood;
b) Peace, stability and unity;
c) Good governance;
d) A well educated and learning society; and
e) A competitive economy capable of producing sustainable growth and shared benefits.
2. Transforming the economy from a predominantly agricultural one to a diversified and semi-industrialized
economy with a substantial industrial sector comparable to typical middle-income countries.
The original plan to implement Vision 2025 through five year development plans (FYDPs) was sidelined by
heavily indebted poor countries (HIPC) process. Qualifying for debt relief under HIPC required the preparation
of poverty reduction strategy papers (PRSPs), which focused on delivery of social sectors
Subsequent acceptance of the importance of ―growth‖ as a basis for stimulating the capacity to finance social
services and reducing aid dependence led to the emergence, in 2005, of the National Strategy for Growth and
Poverty Reduction commonly known as MKUKUTA I, followed by MKUKUTA II in 2010.
Priority Areas and Objectives.
To mobilize and organize the national resources strategically in order to:
1. Nurture an industrial economy in a bid to transform
Tanzania into a semi-industrialized nation by 2025;
2. Accelerate economic growth while making sure that the quality of that growth will benefit the majority of the
people in terms of significant poverty reduction and job creation especially for the youth and women; and
3. Foster and strengthen implementation effectiveness.

53
Figure 48.Nurturing an Industrial Economy
Source: Tanzania Investment Centre

54
Figure 50.To mobilize and organize the national resources strategically in order to Nurture an industrial
economy in Tanzania.
Government Priority interventions.

55
10.3 17 United Nations Sustainable Development Global Goals (17 UN SDGs 2030).
Figure: 51
Source: National Bureau of Statistics (2019)

Youth Association Bank of Tanzania research-report-2022

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