DMDO Savings Groups: Saidi Abdallah’s Story

As part of its WASH+ programme, DMDO establishes community savings groups to help households overcome economic barriers and invest in their future.

Saidi Abdallah, 57, from Chiuta Village, joined the Jikwamue savings group after being denied loans by banks and microfinance institutions due to lack of collateral. Although already running a small tomato business with TSH 20,000 (USD 7.70) in capital, Saidi lacked the resources to grow.

“I could only focus on the very basics,” he said, describing how his early profits of TSH 30,000–50,000 (USD 12–19) per month were just enough to meet his family’s essential needs.

Through the DMDO-facilitated group, Saidi accessed entrepreneurship training and loan opportunities. In February 2025, during the group’s second cycle, he took a loan of TSH 200,000 (USD 77) to expand his business. He began selling fish and coconuts alongside tomatoes, which helped him attract more customers. His monthly profits have now risen to over TSH 200,000 (USD 77).

Saidi Abdallah with his expanded product range serving a customer in Chiuta Market.

“My income has increased, and I can now comfortably meet my family’s needs,” he said. “My children are thriving at school because I can provide for their educational requirements and other basic needs.”

Saidi has also reinvested in the group, purchasing 100 shares—each valued at TSH 2,000 (USD 0.77)—as a way to build long-term financial security. At the same time, he has expanded his farming activities by supporting his cashew and maize plots.

“Working together and saving for our goals is the key to transforming our lives,” he said. “I’ve seen it happen for me, and I encourage others to follow this path.”

Saidi’s story reflects the practical impact of DMDO’s savings groups: giving people the tools and capital they need to build sustainable livelihoods.