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In the vibrant community of Kawe, Dar Es Salaam, Tanzania, a powerful transformation is taking place, and it’s changing lives for the better. Thanks to MyLegacy, a local organization committed to empowering individuals with disabilities. In this article, we’ll explore the story of how MyLegacy’s empowerment initiative, funded by Habitat for Humanity Tanzania, has played a pivotal role in improving the lives of people with disabilities in Kawe.

Meet Fatma Salum, the secretary of the Kawe Disabled Entrepreneurs Association. With a membership of 25 individuals, their journey began when in 2022, MyLegacy extended an invitation to attend a seminar designed specifically for people with disabilities. This seminar took place at MyLegacy’s offices in Mbezi, Dar es Salaam, where they gained valuable insights into batik production and fabric dyeing. But the support didn’t stop at training – MyLegacy went a step further by providing a generous contribution of 500,000 Tanzanian shillings to establish a small office space, marking the inception of their transformative journey.

This support was nothing short of a turning point for Fatma Salum and her fellow association members. Establishing their office not only provided them with a sense of legitimacy but also facilitated local community support. MyLegacy was planting the seeds of empowerment, and the impact was profound.

MyLegacy’s involvement didn’t end with that initial boost. The association continued to benefit from MyLegacy’s empowerment initiative, which offered a range of training sessions. These training programs covered various valuable skills, including techniques for producing charcoal briquettes and soap. These newfound abilities empowered the members and helped them generate income and create marketable products.

Despite making remarkable progress and possessing the skills for charcoal briquette and soap production, the Kawe Disabled Entrepreneurs Association still faces challenges when it comes to finding suitable buyers and securing enough markets for its products. However, its determination remains unwavering. Its vision extends beyond dependency on charity and centers on self-reliance. Fatma Salum firmly believes that “people with disabilities deserve the opportunity to acquire skills, earn a livelihood, and actively contribute to society.”

Fatma Salum, speaking on behalf of the Kawe Disabled Entrepreneurs Association, extends a heartfelt message to MyLegacy. She conveys her gratitude for the support received thus far, and requests continued assistance in the form of capital injection and product development. Additionally, she believes that further training opportunities will enable their group to expand and thrive.

“Through training, financial support, and mentorship, individuals like Fatma Salum have transformed from being recipients of charity to proud entrepreneurs and contributors to their community.” Said Amina Ally from MyLegacy.

Situated in Kunduchi, Dar es Salaam, Mtakuja Secondary School is not just a place for academic growth but also a place for fostering a cleaner and healthier environment. Since 2021, MyLegacy has collaborated with Mtakuja Secondary School to address health challenges related to COVID-19. With generous support from MyLegacy and funding from Habitat for Humanity, the school received crucial resources like water tanks and soap for the school’s toilets to maintain proper hand hygiene. This is particularly significant in the context of the COVID-19 pandemic, which has underscored the vital role of hand hygiene in preventing the spread of infectious diseases. The school also received valuable resources and training related to Water, Sanitation, and Hygiene Promotion (WASH).

In response to these challenges, the school established the WASH Club. The club is dedicated to instilling environmental awareness and promoting personal hygiene among the students of Mtakuja Secondary School. The WASH Club has made remarkable progress in enhancing hygiene and environmental conditions within the school.

One student, Magreth Lucas, a member of the WASH Club and a Form Four student at the school, shares her enthusiasm for the club’s transformative impact on their lives. Magreth underscores the importance of the club’s training aspect, where they receive valuable lessons on topics such as menstrual hygiene, the significance of avoiding early relationships, and the dangers associated with modern vices. The club empowers its members to make informed decisions about their health and well-being, playing a pivotal role in shaping students’ mindsets and actions, especially regarding the importance of cleanliness in disease prevention.

Magreth and her fellow club members actively engage in various activities to promote cleanliness and environmental stewardship beyond the school grounds. These activities include participating in community clean-up events, such as cleaning the office of the village chairperson or tidying up the local beach.

Another student, Daniel Amoni, adds to Magreth’s account, sharing the club’s early challenges and remarkable growth. The club initially started with only a handful of students, and they encountered difficulties explaining the club’s purpose and significance to their peers. However, through dedication and hard work, the club gradually gained momentum.

As the club expanded, its benefits became increasingly evident. Students learned to be self-reliant and responsible, not just in terms of their personal hygiene but also in maintaining a clean school environment. The club imparted valuable life skills that extended well beyond the classroom.

Glory Massawe, a teacher at Mtakuja Secondary School and the supervisor of the WASH Club, passionately emphasizes the club’s profound impact on the students. She highlights how the club has enhanced their education and equipped them with invaluable practical life skills. “The club teaches students to create their soap, tend to gardens, and ensure proper sanitation,” she stated.

The impact of the WASH Club on the school’s environment has been substantial. As Glory points out, “The club’s activities have significantly reduced hygiene-related illnesses among the students, a pivotal factor in maintaining their health and regular school attendance.” Furthermore, she underlines, “Clean water and sanitation are fundamental elements in creating an ideal learning environment.”

Glory also underscores the pivotal role played by MyLegacy in supporting the WASH Club and the school’s efforts to enhance WASH conditions. She acknowledges MyLegacy’s provision of resources, education, and guidance as vital in empowering the students to make a tangible impact. In her words, “Without this support, the students would have faced far greater challenges in maintaining proper hygiene and addressing environmental conditions.”

Daniel Gaudence, MyLegacy’s Head of Operations, underscores the club’s significance, saying, “This club vividly illustrates the transformative potential of grassroots initiatives in effecting positive change within communities. Through instilling a sense of responsibility, nurturing cleanliness, and advocating for personal hygiene, the club not only enhances the students’ educational journey but also prepares them for a healthier and more sustainable future.”

He further emphasizes, “MyLegacy is committed to an ongoing endeavor, focusing on similar programs aimed at shaping these students into responsible citizens who prioritize both environmental stewardship and their health, ultimately contributing to the creation of a healthier nation.”

Since Habitat for Humanity Tanzania launched the Affordable Housing Project in the Tanga region during the 1990s, it has profoundly transformed the lives of Old Korogwe’s residents in Tanga, Tanzania. In this case study, we will explore the organization’s impactful efforts, with a particular focus on the personal stories of its beneficiaries and the community leadership.

Amina Ally Saburi – A Home of Hope

Amina Ally Saburi, a single mother and small-scale businesswoman, yearned for her own home while residing in a family house. In her own words, “I wanted a place to call my own.” When she learned about the Habitat for Humanity Affordable Housing Project, she decided to apply and was fortunate to be selected. Amina embarked on her journey to homeownership through the partnership with Habitat for Humanity Tanzania, which enabled her to purchase land and receive support for building her house. This transformation brought stability and security to her life.

Before her involvement with Habitat for Humanity Tanzania, Amina faced a host of challenges in a community with limited housing options, marked by constant insecurity. Amina recalls, “I lived in constant fear and vulnerability.” However, Habitat for Humanity Tanzania’s assistance changed the course of her life.

Amina is full of gratitude for Habitat for Humanity Tanzania, particularly for their support in the form of house loans and help with housing construction. She emphasizes, “Habitat changed my life. They made my dream of a stable and secure home come true.” She underscores the project’s role in expediting the construction process and facilitating efficient homeownership for beneficiaries.

Joice Selemani Pazia – Overcoming Challenges

Joice Selemani Pazia, another beneficiary of Habitat for Humanity’s Affordable Housing Project in Old Korogwe, shared her journey. She expressed deep gratitude for Habitat for Humanity Tanzania’s support, which empowered her to build her own house, providing her family with a stable living environment.

As a proud homeowner, Joice cherishes the stability and security of her new home. She emphasizes that the housing project wasn’t just about constructing a house; it was about empowering individuals to take control of their living conditions and offering them hope for a better future. In her words, “It wasn’t just about a house; it was about hope and a better future.”

Before her involvement with Habitat for Humanity Tanzania, Joice’s life was marked by financial struggles due to a limited income and unsuitable housing. She explains, “I worked as a nurse, but it wasn’t enough to support my family.”

Venance Nyakunga – Overcoming Challenges and Seeking Further Support

Venance Nyakunga’s story mirrors the challenges and hopes of those who have benefited from Habitat for Humanity’s work in Korogwe, Tanga. Venance learned about the Habitat for Humanity affordable housing project through a teacher at a local college who encouraged him to register.

Before joining the Affordable Housing Project, Venance faced financial difficulties, compounded by unemployment. He acknowledges the value of Habitat for Humanity’s support in helping individuals like him access housing, especially for those who lacked the means to build a home on their own.

Venance also raises a concern: the need for ongoing assistance and support beyond housing. While Habitat for Humanity has played a crucial role in providing homes, he expresses the desire for additional support, such as microloans or livelihood opportunities, to help families become more self-reliant.

The transformation in Venance’s life, from financial struggle to a more secure living environment, exemplifies the positive impact of Habitat for Humanity’s work. However, it also underscores the necessity of comprehensive support to help individuals and families achieve financial independence and self-sufficiency.

Peter Andrea Mbezi – Cultivating Success

Peter Andrea Mbezi, a retired teacher and Habitat for Humanity beneficiary, shares his personal journey. He has since established himself as an entrepreneur in farming and livestock. The married father of four children provides insights into the process of acquiring land and building a house through Habitat for Humanity. Homeowners actively participated in the construction process, contributing to the foundation, building a toilet, and roofing their houses. Habitat for Humanity subsidized about 75% of the construction costs, with the beneficiaries contributing approximately 25%. The project was instrumental in helping low-income families like Peter’s realize their dreams of homeownership.

Ismail Haji Amri – Community Catalyst

Ismail Haji Amri, the chairperson of the Old Korogwe neighborhood, shares his experiences with Habitat for Humanity Tanzania. He describes how Habitat for Humanity initiated a project to construct affordable houses in the area. Ismail highlights the community’s enthusiastic response to the news of available affordable housing.

Ismail expresses how the Affordable Housing Project changed the lives of many Old Korogwe residents. It provided an opportunity to transition from renting houses to becoming homeowners, a significant milestone in improving their living conditions. In his words, “By providing affordable housing, the project helped lift many out of poverty and gave them a sense of dignity and humanity.”

Charles John Mzugi – Bridging Homeownership

Charles John Mzugi, the chairperson of the Mlimafundi village at Korogwe District Council, discusses the selection criteria for beneficiaries, which included low-income families, people with disabilities, retirees, and other vulnerable groups.

Mr. Mzugi highlights how Habitat for Humanity, in partnership with the government, helped people overcome the challenge of building their own homes. The project allowed residents of Old Korogwe with limited financial means to obtain land, receive assistance in constructing their houses, and purchase construction materials at affordable rates. This support was particularly beneficial to those who had retired and lacked the financial capacity to build their homes independently. Furthermore, the project significantly contributed to the development of Old Korogwe.

Conclusion

Habitat for Humanity Tanzania has significantly impacted the lives of people in Korogwe, Tanga. “By providing affordable housing solutions and actively involving the community in the construction process, the organization has helped residents transition from renters to homeowners. This transformation has not only improved living conditions but also instilled a sense of dignity and pride,” Said Osnery Mnyachibwe, a former Habitat for Humanity Tanzania project manager.

Neema Erick Shoo, a small-scale business owner who operates a grocery store in Bunju, Tanzania, has experienced a remarkable transformation in her life, all thanks to the assistance provided by Makazi Bora Finance Limited.

In 2018, Neema moved into her partially completed home and commenced its gradual development. However, it was her encounter with Makazi Bora Finance Limited that truly turned the tide for her.

Makazi Bora’s Impact on Neema’s Life

Makazi Bora Finance Limited introduced Neema to a world of accessible and affordable loans specifically designed for homeowners. She first learned about Makazi Bora through her friend Juliana, who told her about the company’s loan options and the requirement of being part of a group.

Neema joined Juliana’s group and became the fifth member. Together, they applied for a loan and successfully acquired the funds needed for their individual projects. This opportunity allowed Neema to secure a loan of Tshs. 600,000, approximately USD 250, to make significant progress on her house.

Thanks to Makazi Bora’s financial support, Neema was able to buy vital construction materials like cement, sand, and timber for her roof, turning her dream of completing her home into a reality.

One thing Neema particularly appreciates about Makazi Bora is their competitive interest rates when compared to other lenders. In her case, she is required to repay Tshs. 624,000, around USD 260, over a six-month loan term.

The loan application process involved filling out forms and making an initial deposit of 30,000 Tanzanian Shillings, roughly 13 USD. Within a few days, a Makazi Bora representative visited her to verify her application, and after approval, the loan was disbursed within two weeks.

Repaying the loan is structured on a weekly basis, totalling four times in a month. For Neema, this amounts to 26,100 Tanzanian Shillings per week, or approximately 43 USD per month.

Challenges Faced and Future Suggestions

While Neema acknowledges that Makazi Bora Finance Limited has been a lifeline, she believes there’s room for improvement. She suggests that the loan repayment period should be extended, especially for larger loan amounts. She emphasizes, “Flexibility in choosing the repayment duration could make the process more manageable for borrowers.” Neema also recommends offering borrowers the choice of repaying the loan through mobile money or bank accounts.

Future Plans and Aspirations

As a single mother of three children and the primary breadwinner, Neema’s dreams primarily revolve around providing a better life for her family. Her aspirations include continuing to expand her home and adding finishing touches such as tiling, installing windows, and finalizing the roof.

Neema aims to achieve financial stability through her grocery business, where she earns approximately 15,000 Tanzanian Shillings, or 6.5 USD, per day. With diligent savings and prudent business management, she hopes to make her house even more comfortable and secure for her family in the near future.

Through the financial support and guidance offered by Makazi Bora, Neema has not only improved her home but also elevated her family’s quality of life. Her story underscores the positive impact of accessible and affordable microfinance initiatives in Tanzania, empowering individuals to build a brighter future for themselves and their loved ones.

Dodoma, the capital city of Tanzania, is a diverse hub with residents from various backgrounds. In the year 2001, Habitat for Humanity Tanzania initiated a housing project in Chidachi village in Chamwino, Dodoma. This project aimed to assist Chamwino’s residents in constructing and residing in decent homes.

The project achieved considerable success and received a warm welcome from the community. The late President Mkapa, in a momentous event, inaugurated the handover of these houses to the residents.

People like Stephen Noah Mazuguni and Janeth Jonas Ulanga have personally witnessed the incredible transformations brought about by Habitat for Humanity Tanzania’s efforts in Chamwino, Dodoma.

Stephen Noah Mazuguni: Building Hope

Stephen Noah Mazuguni, a retired teacher in Chamwino, Dodoma, witnessed the profound and enduring effects of Habitat for Humanity’s work. When the Habitat project commenced in Chamwino in 2001, he served as the Chairperson.

He explained, “Habitat for Humanity initiated its project in Chamwino to assist those facing challenges in building their homes. They began with ten houses, and the local community actively participated in the construction process. They contributed sand, stones, labor, and a steadfast commitment.”

What set this project apart was its financial model. Participants in the project paid a nominal fee and worked physically to construct their homes. It was a collective effort that underscored the community’s dedication. The project also encouraged individuals to engage in group discussions and attend training sessions.

This fostered learning and strengthened the community’s bonds. It wasn’t solely about housing; it was about nurturing a better community. “The project didn’t just change the housing landscape; it fostered community growth. It led to more houses in the area and enhanced the neighbourhood’s infrastructure, serving as a catalyst for development.”

In his role as Chairperson of the Habitat project, Stephen played a pivotal role in ensuring the project’s success. He facilitated communication between the community and Habitat for Humanity, ensuring that things ran smoothly. A standout moment in the project’s history was the visit of the late President Benjamin Mkapa, who inaugurated the newly constructed houses, underscoring the project’s high-level support.

In the present day, the homes constructed through the Habitat project have seamlessly integrated into the heart of the community. The initial housing construction, which commenced in the small village of Chidachi, served as a catalyst, inspiring numerous residents to embark on their own home-building endeavours. Consequently, Chidachi has undergone a remarkable transformation, evolving from a small village into a thriving town.

Residents take pride in their homes and express gratitude for the positive changes brought by Habitat for Humanity. “The project wasn’t just about constructing houses; it created a sense of unity, improved living conditions, and left a lasting imprint on the community’s growth.” Stephen said.

Janeth Jonas Ulanga – A Story of Strength and Empowerment

Janeth Jonas Ulanga hails from Chidachi village in Chamwino, Dodoma, and her journey is nothing short of inspiring. A mother of five children, her association with Habitat for Humanity began in 2001 when her family purchased land in Chamwino, igniting their dreams of a future home.

In 2001, Habitat for Humanity initiated their work in Chamwino, a pivotal point for Janeth and her community. They worked with communities to transform those parcels of land into tangible homes, though it was far from an effortless endeavour. Janeth vividly recalls the challenges they faced, having to source building materials from distant locations in Dodoma due to the absence of construction materials in the nearby villages. “Every brick and bit of cement was precious,” she remarks.

One remarkable moment in this project was the visit of the late President Benjamin Mkapa, who came to inaugurate the newly constructed houses – a momentous occasion. Janeth fondly remembers the excitement and pride of welcoming the President to their Habitat homes.

Once the homes were completed, a local committee took charge of maintaining the housing project. The day they received the keys to their homes marked a grand celebration in Chidachi village, where similar houses were constructed for other residents.

These houses brought about significant improvements in people’s lives. “It was more than just having a place to reside; it was about securing a better life,” Janeth emphasizes. Janeth and her family worked diligently to repay their house construction loan to Habitat for Humanity.

However, the impact extended far beyond housing. Janeth delved into politics, becoming a local councillor, and even started her own grocery store, which served as a fresh start, providing her with income and the support of her growing neighbourhood.

Janeth’s story vividly illustrates how Habitat for Humanity transformed her life. It didn’t merely provide her with a house; it empowered her to take control of her life, venture into politics, and become an entrepreneur.

The Ongoing Impact

Habitat for Humanity has been working in various regions of Tanzania, employing affordable housing methods to assist residents in constructing decent homes since the 1980s. Through providing homes and empowering communities, Habitat has not only enhanced living conditions but also created new opportunities. “It’s not just about constructing houses; it’s about establishing homes, fostering community growth, and transforming lives,” emphasizes Fortunata Temu, Country Representative of Habitat for Humanity Tanzania.

The impact of Habitat for Humanity’s efforts in Chamwino, Dodoma, has been profound, and its influence continues to shape the lives of individuals like Stephen and Janeth.

I, Osnery Chankumpa Mnyachibwe, had the privilege of serving Habitat for Humanity’s mission for 14 years, starting from June 1999 to August 2013. I began my journey as an accountant for the Korogwe Affiliate, but my dedication and passion eventually led me to become the project manager, overseeing operations in Korogwe, Tanga, Zanzibar, and later at the organization’s headquarters in Dar es Salaam. In this article, I want to share my unique perspective on housing in Tanzania, focusing on my time with Habitat for Humanity.

My journey with Habitat for Humanity began in Korogwe in 1999, where I discovered that the organization had already begun its vital work. Houses were under construction, and as the project’s accountant, my responsibilities included financial record-keeping and project administration. During my time in Korogwe, we managed to construct more than 100 houses, with additional projects taking place in Manumbu and Old Korogwe.

The primary goal of these projects was to assist low-income individuals and families who could afford to pay rent but couldn’t acquire land and build a house. Habitat for Humanity targeted these people, helping them achieve the dream of homeownership.

The Application and Selection Process

Individuals would apply for assistance from Habitat for Humanity, and these applications would go through a meticulous screening and selection process. The selection committee comprised of community members ensured that chosen candidates met the necessary criteria.

Once selected, applicants were informed and required to visit the project office to receive further instructions. Habitat had already secured plots of land for the project, and these were allocated to homeowners. The new homeowners were then responsible for a down payment, usually 10% of the total cost of their house, followed by what was called “Sweat Equity.”

Sweat Equity and Community Involvement

“Sweat Equity” required the beneficiaries to actively participate in the construction of their own homes. They could assist the construction workers, and if they were unable to do so themselves, they could designate someone to help on their behalf. This approach had a dual purpose: it fostered a sense of ownership and responsibility among homeowners and contributed to reducing construction costs. After completing their Sweat Equity, beneficiaries received the keys to their newly constructed homes.

The Importance of Projects like Habitat for Humanity’s Affordable Housing

The need for decent housing is paramount, and these initiatives help bridge the gap for those who might otherwise struggle to secure stable living conditions. They promote homeownership and empower individuals to provide better living environments for their families.

In my view, housing projects like Habitat for Humanity’s Affordable housing project play a crucial role in transforming communities and empowering individuals. They bridge the gap for those in need, providing not just shelter but a sense of ownership, responsibility, and empowerment.

Building on challenges and learning

Managing a project like Affordable housing comes with its set of challenges. One significant challenge has been loan repayment, as some beneficiaries struggle to meet their financial obligations. This underscores the importance of project sustainability, as the success of such initiatives relies on these repayments. Despite the challenges, projects like these continue to make a significant difference in the lives of many, highlighting the enduring need for decent and affordable housing the world over.

Personal Reflection

I also want to share a personal reflection on my time with Habitat for Humanity. I found it crucial to start each day with a Prayer, as the beneficiaries of the project were often deeply rooted in their faith. The daily prayers and spiritual guidance offered a unique opportunity for personal growth and transformation.

The Inspirational Origins of Habitat for Humanity

Habitat for Humanity International, commonly known as Habitat for Humanity or simply Habitat, is a US-based non-governmental and nonprofit organization. It was established in 1976 by the couple Millard and Linda Fuller, with strong Christian principles at its core.

The organization’s roots trace back to the compassionate and selfless choice made by its founders, Millard and Linda Fuller. They selflessly divested themselves of their substantial wealth to aid those less fortunate. Guided by their Christian faith, they conceived a revolving fund to support housing initiatives for the underprivileged. This innovative fund would not only grow but also sustain itself, perpetually providing assistance to those in need.