Elizabeth is a VICOBA facilitator in Arusha, who helps new VICOBA groups get started. VICOBA is structured in such a way that people are organized in groups and trained in various skills to build up their capacity to provide for themselves.


Groups are usually made up of no more than members. Each member puts in a small amou and can take out loans when needed.


Omar is a member of the Tumaini VICOBA group made up mostly of people living with HIV. The group decided to start a jointly owned poultry farm, allowing them to share the responsibilities and benefits. The group has already made a profit and plans to expand.


Zuena joined a local VICOBA group in to invest in her tailor shop. This invest business has grown and she now em


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