1.0 INTRODUCTION          


Kagera Development and Credit Revolving Fund (KADETFU) is a national Non-Governmental Organization (NGO) based in Kagera region, Tanzania. It is located in Bukoba Town, in the North Western part of Tanzania. The organization was registered on July 30th, 1993 under the Trustees Incorporation Ordinance cap No. 375 of 1956, registration number ADG/TI/2058. To with the new NGO Act 2004, KADETFU obtained a Certificate of Compliance (CoC) No. 1596 dated 13.3.2006.


The Head office of KADETFU is situated in Bukoba Municipality along Kawawa Street, at Ujirani Mwema Building. It has a Field office in Muleba District which is located at Rubya Resource Center, near Rubya Hospital and another rocket office at Bunda Town in Bunda District, Mara Region.


The organization has an Executive Board with eight Board members with experience and qualification ranging from a lawyer, a Medical doctor, Health expert, Academicians, Researchers and farmers who represent the community from rural areas. The board is gender sensitive with women representatives. It has experienced team of 16 staff including but not limited to; 2 Sociologists, 1 Environmental expert, 2 Fishery experts, 1 Agriculturalist, 2 medical personnel, a lawyer, 2 financial experts and a teacher It has 105 Field volunteers known as Field Facilitators/Field workers at the village level who link the head office with the community at grassroots level. It always accommodates foreign from abroad.

KADETFU has an Information/resource center at Ujirani Mwema Building in Bukoba Municipality with ICT facilities and a small library for collecting and dissemination of information on various developmental matters. The organization owns office equipment and materials such as computers & their accessories, audio-visual sets and IEC training materials, electrical generators, Cars, motorcycles, bicycles for TOTs and a public address system.

It has a land at Bukoba Municipality Plot No: 129 BLOCK “AA” Uganda Road meant for construction of an information resource center. Another land at Bushagara village in Muleba district (about 10 Ha) located at Kakiro area; Plot No: 2 BLOCK “A” Ndolage Road is intended for construction of a Vocational Training College for youth. The plots are the valuable assets of KADETFU for future development.

KADETFU has recently established a Community radio station known as “Kagera Community Radio” (KCR FM 93.3) that will hosts educative programmes on local content that has appeal to public lives and livelihood including human rights, gender, environment, good governance etc.

1.4 KADETFU Vision:                                                                                   

An environmental friendly, healthy, prosperous, and just society; committed to solution of its problems independently.

1.5 KADETFU’s Mission Statement:

To protect human rights, conservation of the environment, facilitate promotion of social, economic, cultural development and thus empower the society to organize and fight for their needs through utilizing locally available resources   

1.6 The Objectives of KADETFU

i) Poverty reduction by reducing income poverty of the communities and ensure food availability and accessibility at household level in urban and rural areas through improving community capacities.

ii) Protecting and advocating for human rights of the poor and vulnerable groups.

iii) Conservation and management of environment through improving natural resources management and reducing loss of biodiversity.

iv) Improving survival, health and well-being of all community members through promoting primary health care; HIV/AIDS control and research.

v) Improving infrastructure development, i.e. communication systems, roads, school and health facilities.

1.7 Core Values of KADETFU

  • Honesty, Integrity, Sincerity and Transparency
  • Accountability and Result orientation
  • Cost Consciousness and sustainable management of resources
  • Environmental sensitivity
  • Human Dignity and Gender equity
  • Professionalism
  • Creativity and Innovation
  • Ethical and Moral standards
  • Commitment and Responsiveness

1.8 Achievements of KADETFU

The organization has high reputation in contributing to the promotion of livelihoods for change targeting women, men, children, elders, youth, farmers and fishers that enabled her to obtain various awards as recognition by local and international partners. The awards includes: the “LAKE VICTORIA ENVIRONMENTAL AWARD 2006“ for good performance as recognized by UNHABITAT for her outstanding contribution to the conservation of Lake Victoria environment and advocacy for fishers and fisheries as a sector.

KADETFU is also recognized as “The best NGO in Tanzania” and winner of the “Tanzania CSOs Excellence Award 2008” in the areas of Transparency, Governance, Responsiveness, Participatory approaches and Accountability. Other awards that were won by KADETFU include; the “Best Grantee Award 2008” that was provided by the donor community in Tanzania for successful accountability on donor funds; the “Knowledge brokering, networking and Marketing Award” presented by SNV, the Development Organization of The Netherlands, for Local Capacity Building and Social Marketing; the “Certificate of Merit” awarded to KADETFU by Rotary International, District 9200 in honour and deep appreciation for the outstanding and selfless performance rendered to Humanity; the east “African Fisheries Award 2008 and 2009” for development, supporting and advocating for Fishers and Fisheries as a sector.



i) Promotion of Renewable energy Introduction, manufacturing and promotion of Renewable energies (REs) i.e. biogas, Improved Cook-Stoves (ICS) and Solar Energy Technologies.

ii) Combating pollution of water bodies (conserving Lake Victoria environment, rivers and wetlands by maintaining natural regeneration and rehabilitation of the cleared vegetation cover)

iii) Environmental education and awareness: educating the community and awareness creation on environmental issues e.g. tree planting).             

v) Climate change (awareness creation, mitigation and adaptation strategies and programmes)

vi) Agro-Ecosystem Management: (sustainable agro-ecosystem management and Utilization of Natural Resources through restoration of a healthy, varied ecosystem that is inherently stable and to support, in a sustainable way, the increasing activities on the land through economic empowerment of the smallholder farmers and all land users.

vii) School environmental education programme: (building capacities of student and teachers in environmental conservation skills at primary and secondary schools and establishment of “Environmental School Clubs”  

viii) Afforestation: Tree Planting, Conservation of natural forests and facilitating natural regeneration. Introduction of One year, One child, One tree (“OOO”) or (Triple “O”) concept at schools. One child plants One tree in One year.

ix) ECOSAN toilet: ECOLOGICAL SANITATION TOILET is a technology that encourages optimal utilization of human excreta as soil conditioner AND not a waste. The introduction of ECOSAN toilet is ideal to the communities with high population such as suburbs and slums because they are re-usable, permanent and requires no replacement, especially for areas with limited land. Unlike the pit latrines which are dug deep sometimes contaminating underground water sources, ECOSAN toilets are built on the soil surface including place with difficult soils conditions like rocky places and water lodged areas. KADETFU is promoting this technology.

                                                               icon woodlotecosan toilet


i) Promoting farmers economy:

Promoting sustainable agriculture for sustainable livelihoods of smallholder farmers through training in organic farming, land and natural resource management, study visits; provision of credit for capital base and diversification of farm crops for poverty reduction and food security.

ii) Promoting the economy of the fishing communities:

(Conserving the environment of Lake Victoria by restoring the degraded Lake environment that in turn support and improve their livelihood in a sustainable way. This includes; awareness meetings in the fishing communities, capacity building for BMUs, construction of Sanitation Facilities (ordinary and ECOSAN toilets) along the lake shores, construction of landing sites for improving fish quality and provision of credit to fishers for purchasing appropriate fishing gear which supports crating illegal fishing and promoting sustainable fishing.

ii) Promotion of aquaculture

(Decreasing fishing pressure that cause overfishing and influence illegal fishing on the lakes and rivers by establishing fish farming. Supporting fish farmers in fish farming skills, giving them inputs such as fingerlings and fish farming implements. The organization is planning to embark on establishment of aquaculture training and research Centre at Kamachumu village.

iii) Access to Market (AtM) Programme for farmers and fishers’ products:

Linking producers (Farmers, Fishers and other entrepreneurs to reliable markets for their produce. Under this programme, the emphasis is put on value chain and market chain development that oblige the producers to produce according to the requirements of consumers/customers/clients.  

iv) Capacity building:

KADETFU staff were capacitated by STOAS African Foundation in (a) Coaching on Change management, (b) Exit Strategy and Business Plan Development,(c) installation and coaching in application of monitoring and evaluation software known as “KADETFU Monitoring and Evaluation System” (KAMES), which was developed specifically for KADETFU.         

v) Micro- Credit provision: (providing micro credits as a capital base for farmers, fishers and entrepreneurs to establish Income Generating Activities (IGAs).

         victoria perch income earnerfarmers trained to prepare use compost manurekyonge landing site


i) Promoting women Economic, social and cultural (ESC) rights: Selection and training of field facilitator who educates the community and advocate for human rights, provision of house to house support services for women empowerment, counselling skills and proper care of orphans, MVCs and PLWHAs at the community level.

ii) Support women in Need (SWN) project:

This project which was later named Hilde Kraken Memorial Women Fund (HKMWF) supports women in need such as women whose families have been abandoned by their husbands, widows and poor Female Headed Households. The main aim is to support children from these families with education or school needs (especially girls). Women are given credits for starting small enterprises and the income supports their girl child education.          

iii) Girl child Education:

At Bembereza school, girls are given priorities while the child protection policy emphasizes quality education for girls as a primary process of women emancipation. However, the SWN project is meant for abandoned families in which girls fail to continue with school due to negligence or failure to pay for girls’ education.


i) Child development and protection project:

KADETFU has established a “Child Development and Protection Policy” that provides protection strategies for children.

ii) Jali Watoto Initiative and Anti-stigma campaign:

Delivery of essential services to the Orphans and Most Vulnerable Children (OMVC) in Bukoba District. About 920 children were provided with essential services that include school needs, food and medical insurance.

iii) Care and support for orphans’ education:

KADETFU owns and runs a school for orphans known as Bembereza English Medium Pre & Primary school located at Rubya in Muleba District. (Bembereza is a Swahili language name literally meaning “Console”). In 2015, the school has celebrated the 5th primary school completion graduation and all the times, it has recorded good academic performance as it is been among the best five in the district. We also support school and non-school orphans in different villages.

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i) Human rights protection: This has Main focus on gender equality, women and children’s rights, in finicky; widows and orphans livelihoods. It also addresses the right to education, right to health and right to inheritance.

ii) Advocacy: Retaining a lawyer who runs a legal clinic for women and children’s rights and to assists widows and orphans to repossess property that has been grabbed at funerals

iii) Human Rights education (HRE): KADETFU is running a school for orphans known as Bembereza Pre & Primary School. Others are community capacity building in human rights issues.

iv) Combating HIV/AIDS in the context of Human Rights: Addressing HIV/IDS issues with The Rights Based Approach And Action (RBAA). KADETFU has a resource/information Center for information collection and dissemination on how to support and care for orphans, MVCs and PLWHAs and access information on their rights.

v) Capacity Building of Local Governance Actors (CBLGA): The project aimed at contributing to poverty reduction and improved well-being of the population through increased equitable provision of social services at the local level. The programme seeks to achieve this goal by strengthening local governance, including improved participatory public planning, budgeting and accountability, and financial viability of LGAs, Private Sector and Civil Society organizations.


i) Capacity Building for Youth:

Capacity building in life skills, Promoting vocational skills and combating HIV/AIDS among the youth. The plan is underway to construct a Vocational Training Center for the Youth in Muleba district.

ii) Youth employment:

Creating opportunities for youth employment The “Opportunity for Youth Employment” (OYE) project is ongoing in Bukoba District. The main aim is to build capacities of the youth in vocational and life management skills and adolescence empowerment.


i) Primary Health Care:

Promotion of environmental sanitation and hygiene, nutrition promotion among the children, HIV/AIDS and Malaria control. Basing on its experience and achievements, KADETFU has been being invited to share experience and best practices at different local and international forums; conferences and workshops. The organization also conducts counselling, home based care, public sensitization events, cross border reprimands on addressing HIV/IDS and travel prudence strategies with the Rights Based Approach and Action (RBAA).

ii) Microcredit sanitation and hygiene for the poor female headed households (FHH)

KADETFU is the innovator and implementer of a UNHABITAT funded project that aimed at improving the sanitation facilities for the poorest female headed households (FHH) in the towns of Bukoba, Muleba, Mutukula and Bunda. It however, entailed bringing on board micro credit revolving fund scheme which involved women as an entry point. The goal of this initiative was and still is to avail the female headed households in the project area with proper sanitation and hygiene in order to meet the MDGs on water and sanitation by 2015.

iii) House to House Support Services (HHSS):

Conducting home based services (HBS) known as “House to House Support Services” with the aim of assessing the family needs for future prioritization in service provision; providing them essential needs, counselling services and awareness on their human rights, confidence building and giving hope for HIV/AIDS affected families. In the year 2013 only, a total of 1,324 households were visited in Bukoba, Misenye and Muleba Districts.


KADETFU undertakes various studies, evaluations and assessments funded by UNHABITAT and SNV. Among ethers are; the Sanitation Profile Assessment of the nine Districts in Lake Zone and Kigoma Region; validation inquiry process (VIP) on school water, sanitation, and hygiene (SWaSH). The districts are Chato, Biharamulo, Muleba, Bukoba, Misenye, Karagwe, and Ngara. Others are Kigoma, Kasulu and Kibondo. The main objective of this exercise was to validate the school WaSH status for sustainable service delivery. Also KADETFU conducted the VIP of the water point functionality assessment in six districts of Kagera Region.

Other studies are; Renewable Energy Market Intelligence Process (MIP). The enabling environment for the purposes of Market Intelligence process is broadly considered to include actors playing supportive roles to RE enterprise and energy consumers. In this context, Renewable Energy Enablers in Muleba and Bukoba Districts were identified as including Public Organizations (Local Line Ministry Offices, Local Government Authorities (LGAs), and parastatals); others were Finance Institutions (Formal Banks and Micro-Finance Institutions), Non-Governmental Organizations (local and international NGOs) and private sector entrepreneurs. KADETFU also conducted studies on Renewable Energy Enterprise Assessment (REEA), The research on Effects of Banana Xanthomonas Wilt (BXW) on food security and the people's livelihood, user rate and ownership of ICTs (in particular radio sets) in urban and rural areas.


KADETFU has finally achieved its long cherished ambition and thus established a community radio station, which is now ready pending few final finishing items and few materials and equipment missing; the first of its kind in Kagera Region.

KCR FM 93.3 MHz will host debates and educative programmes on disaster management/early preparedness and local content that has appeal to public lives and livelihoods. It will partner with various stakeholders such as the district councils, NGOs, Academic and health institutions as well as other development practitioners to achieve its goal. It will host talk shows in which development practitioners and experts from Research Institutions and District Councils will present their views while giving time to the audience to call in, ask questions and get answers instantly.


KADETFU has a track of experience in working with donor funded activities. Many partners from Germany, The Netherlands, France, Belgium, Sweden, USA, Canada, Uganda UN Agencies, have supported KADETFU to implement her projects successfully. The working relationship established with these partners has built a base and created strength for the future of KADETFU engagements.


Other achievements which have been recorded by KADETFU among others include:

  1. The close working relationship with the Government both local and central, Private sector, CSOs and all other stakeholders locally and internationally through which among others; KADETFU coordinates Volunteers and practical student Programmes from Germany through DETAF e.V. (the Germany-Tanzania Friendship Society) and ARTEFACT e.v. others are from The Netherlands through ICA Volunteer Placement Programme.

KADETFU signed a partnership agreement with Kampala Capital City Authority (Kampala Central Urban Council) in which the two agreed on sharing experience, education, visiting and cultural exchange.

KADETFU has a long stay partnership with the Vice President Office in Uganda in which the former has been taking farmers to the Vice president’s office to learn on various poverty eradication strategies i.e. sustainable agriculture, aquaculture and the Ugandan experience in poverty eradication through the “Prosperity for all” Programme.

Also, through this country partnership, KADETFU has a working relationship with other organization in Uganda such as Kalangala District NGO Network (KADINGO) MYDEL of Kampala and FISHNET AFRICA of Kenya.

Also in Tanzania, the Vice President’s office in Tanzania (Directorate of Environment) is among the prevailing partners and the National AIDS Control Programme.

  1. KADETFU owns a website that facilitates international communication, information sharing and globalization processes.


Among others, KADETFU strategic plan 2015-2019 stipulates the following interventions to be implemented during the plan period up to December 2015.

i) Establishing an ICT for Rural Development (ICT4RD) project through video conferencing for e-education, e-agriculture and e-health. The baseline survey has been made and the survey report is available.

ii) Continue supporting women, youth, and children programmes and projects with main focus on sustainable livelihood.

iii) Promotion of Menstrual Hygiene Management aiming at retention and improving academic performance of school girls.

iv) Continue supporting the community radio to produce quality broadcasting community programmes.

v) Continue protection and management of the environment, climate change mitigation and adaptation initiatives.

vi) Embarking on sub-granting and coordination of other partner’s activities, projects and programmes in order to pull up other CSOs to become effective in sustainable service delivery, networking, co-management and collaborative in community social development initiatives.

vii) Infrastructure development i.e. ICTs, construction of a research Center for fish farming and fish food processing plant, roads, education and health facilities.

viii) Continue with poverty reduction initiatives and programmes by building community capacities in various fields including entrepreneurship skills.


Vision Statement

We envisage a friendly environment and a healthy, prosperous, and just society that is committed to solution of its problems independently and sustainably.

Mission Statement

KADETFU is committed to protect human rights, conserve the environment, facilitate promotion of social, economic, cultural development and empower the society.


Economic promotion by enhancing income opportunities to ensure food availability at household level in urban and rural areas through improving community capacities and research.