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Hivi ni kikundi au vikundi vya watu 20 hadi 30 hivi wanaofahamiana ambao wameamua kuunda kikundi ili kupata huduma za mafunzo mbalimbali, huduma za fedha na kuwekeza miradi ya pamoja kwa urahisi na kwa gharama nafuu.
Wanachama wa vicoba vingi hukutana mara moja kila wiki na wengine wachache wasio na nafasi ya kukutana kila mwezi na wasio na nafasi kabisa angalau hukutana mara moja kila robo mwaka nk.
  1. Vicoba huendeshwa na KATIBA na sheria ndogondogo za kikundi
  2. Kila mwanachama ananunua HISA 1 mpaka 5 tu kila wiki
  3. Bei ya hisa mnapanga wenyewe (wengi wanafanya 2000 – 5000)
  4. Baada ya mfuko kutuna mnaanza kukopeshana kwa riba ndogo (kati ya 5%-10% kwa mkopo wote).
  5. Wakati wote huo tayari taasisi rafiki ya VICOBA itawaletea miradi mbalimbali kadri wafadhili wanavyopatikana.
  6. Wanachama wanachagua miradi ambayo mnaweza kuisimamia wenyewe.
  7. Baada ya kuweka vitega uchumi faida inayopatikana inagawanya kwa wanachama kila mwaka.
  8. VICOBA HAIFI kwa vile inawekeza kwenye assets. Inarithishwa. Lengo ni kumilikisha wananchi assets.
  9. VICOBA inapewa usajili kamili serikalini na akaunti ya kikundi na zile za wanachama zinasimamiwa na Benki husika
  10. VICOBA vikiwekeza sana na kukuza mitaji vinaweza kubadilishwa usajili na kuwa benki ya wananchi kulingana na sheria na kanuni za Benki Kuu ya Tanzania

Mwisho (End):

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About The Author

Lemburis Kivuyo is a Busi­ness, IT and Com­mu­nity Related Project Consultant. Specialized in Business Establishment, Leadership training, Online Marketing, Small groups and teams leadership and management, Curriculum Development, Constitution development and much more.

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