SELFINA is a pioneer of micro-credit in Tanzania, using a sale and leaseback microfinance model as a practical way to achieve the economic and social emancipation of women. Because customs and traditions in Tanzania make it difficult for women to own land and assets, they are deemed not creditworthy by financial institutions, leading low incomes and inadequate access to basic needs and services. SELFINA buys and leases equipment to women: when a client needs working capital, SELFINA buys equipment from the client, extends a loan to her, and then leases back the same equipment.
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