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When compared to location, we see that households in Masugu have more than twicethe income of Lunenzi (Table 27)Table 28: Household income by location, Kilosa District, Tanzania, 2010Mean: Lunenzi Nyali Masugu TotalTotal household 686,24 850,75 1544 1024,64income (USD)*N = 180, * Means significantly difference locations (p < 0.05)Household monetary transfers were mainly done in cash in all three villages, but someexchange in kind did occur, and can be seen in relation to the availability of externalmarkets. Few households had access to financial institutions and people were oftennot sure if such institutions existed or not.During focus group discussion we were told in all three villages that savings groupsdid not exist. In Masugu and Lunenzi a credit group did not exist either. For Nyalihowever, we were told that households operated in groups through a villagecommunity bank or credit union by the name VICOBA. Nevertheless, we did not findany differences between wealth groups and credit unions when testing. In Nyalisomeone also told us that a SACCOs or savings groups would soon appear, but ingeneral we were told that such groups did not exist within the study area.Since such financial arrangements were only used by a privileged few, people eitherborrowed from neighbours or relatives when money was needed, most savings wereeither kept in cash at home or used for investments in land and livestock. This couldthen serve as a coping strategy if future unforeseen expenditures would appear. Oneman in Nyali for example sold of all his poultry due to illness. Since there were noprivate forests in the study area, forests can thus not be regarded as saving, but caninstead serve as safety nets in times of problems.As we have seen, people‟s access to capital varies between households. We noted thebig differences between those with more money, and those with little, and can see thathouseholds in Masugu have generally more income than the rest. Local banks,savings groups or credit groups were difficult if not impossible to access for185