A Socio-Economic Profile of the Rufiji Floodplain and Delta.

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Socio-economic profile of Rufiji flood plain and Delta - Vol. 1 Destination for non-timber forest products (mainly ukindu and milala) is both the local markets (individual consumers, retailers/middlemen in Rufiji district) and outside markets of Zanzibar and Dar es Salaam (individual consumers, retailers/middlemen of Dar es Salaam and Zanzibar). Quantities of traded commodities are detailed in Appendix 5 (by AEZ) and a summary of the means of the overall commodities traded is shown in table 49. Table 49 shows that there are variations in quantities sold as indicated by the standard deviations (and the maximum and minimum numbers), and the overall number of households involved in the trading process is small (ranges form 1 to 22). Commodity traded by the highest number of households is prawn 3.8 Credit Availability Table 50 shows that only 9% of respondents received credit. Inner Delta south has slightly more villagers who received credit followed by North flood plain (Table 50). Table 50: Proportion of respondents who received credit by AEZ Inner Delta North (n=44) Inner Delta South (n=15) Delta North (n=25) Delta South (n=30) North Flood Plain (n=24) South Flood Plain (n=13) West Valley (n=30) Total (n=181) Percent of Respondents Yes 6.8 20.0 8.0 10.0 16.7 7.7 6.7 9.9 No 93.2 80.0 92.0 90.0 83.3 92.3 93.3 90.1 Source: Survey data (2000) Those few who received credit were mainly in the form of cash, goats, fishnet and milling machine (Table 51). Table 51: Distribution of respondents by type of credit by AEZ Inner Delta Inner Delta North (n=3) South (n=3) Delta North (n=2) Delta South (n=3) North Flood South Flood Plain (n=4) Plain (n=1) West Valley (n=2) Total (n=18) Percent of Respondents Cash 100.0 100.0 100.0 66.7 25.0 100.0 100.0 77.8 Milling 33.3 5.6 machine Goats 50.0 11.1 Fishnet 25.0 5.6 Source: Survey data (2000) The main sources of credits are itemised in table 52 which shows that most of the credit is from individuals (i.e. friends, neighbours and relatives). Field results from different parts of the country (Kashuliza et al. 1998:44, Senkondo 2000) have shown that informal lending has made positive contributions to both consumption and production activities of the rural people. However, the results suggest that informal lending is still far from being a specialised activity, but rather a side activity integrated into other enterprise undertakings of various farmers and businessmen. In addition, an organised informal lending in a form of traders or farmers’ association was not observed in the study area 48
Socio-economic profile of Rufiji flood plain and Delta - Vol. 1 Source Individuals (friends, neighbours, relatives etc) Table 52: Distribution of respondents by source of credit and AEZ Inner Delta Inner Delta Delta Delta South North Flood South Flood West Valley Total North (n=3) South (n=3) North(n=2) (n=3) Plain (n=4) Plain (n=1) (n=2) (n=18) Percent of Respondents 100.0 100.0 50.0 66.7 25.0 100.0 100.0 72.2 RDD 33.3 5.6 Private company (Fruit de la mer Ltd) 50.0 5.6 Iran Islamic Organization Source: Survey data (2000) 75.0 16.7 There is high variation in the mean value of credits obtained (Table 53). The mean value ranged form Tsh 5,000 in South flood plain to 370,000 in Delta north. There is no significant difference among the AEZ with respect to the monetary value of credits received (F=2.41 p=0.106). Table 53: Mean value of credit (Tsh) AEZ Mean N Std. Deviation Inner Delta North 53333.3 3 45092.5 Inner Delta South 11000.0 3 8544.0 Delta North 370000.0 2 381837.7 Delta South 29500.0 2 28991.4 North Flood Plain 14500.0 4 13850.4 South Flood Plain 5000.0 1 . West Valley 5400.0 2 565.7 Total 62694.2 17 152063.0 Source: Survey data (2000) It is concluded, there are credit constrains in the survey area. Formal credits from banks and other financial institutions are not available in Rufiji Delta and flood plains. Yet, the villagers are complaining of low capital availability in all of their economic activities. 49
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A Socio-Economic Profile of the Rufiji Floodplain and Delta.

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