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f about 400,000 SMEs, which is only around 5% of the total estimated demand. Commercial banks including community banks account for around 50,000 while the NGO category accounts for the an estimated population of 220,000 clients. PRIDE Tanzania being the largest single player accounts for about 29% of the market share in this category or 16% of the existing total market share.

金融产品传送系统——Delivery systems of financial products
Almost all micro-finance institutions (MFIs) provide credit services. Some others also provide financial products such as savings, transfer payments and insurance. Some institutions like FINCA are in the process of developing a new product: micro-leasing. Since credit is the most common service, most of the delivery methods have been developed around credit. Savings and other products are relatively few and there has been less innovation on how to deliver these services. The following are common delivery methods.

团体贷款——Group Lending
This methodology is commonly used by most MFIs. Credit is delivered to groups that guarantee the loan. Peer pressure is used to enforce repayment. The loan can be disbursed to either an individual member of the group or to the group, which in turn provide loans to individual members.

个人贷款——Individual Lending
Under the methodology, credit is delivered to individuals according to their ability to provide the MFI with the assurance of repayment and some level of security.

小微企业成就——Micro and Small Enterprises Achievements
To a large extent MFIs operating in Tanzania have brought about positive changes in the standards of life of the clients who received MFI services. 81.3% of the surveyed MSEs revealed that their profit had increased after receiving the loan. Most of the clients (54.6%) who experienced an increase in profit after receiving the loan were in the age group of 25 to 39 years (Appendix B, Table 5). With regard to the level of education, the majority, 37.6% of respondents who had achieved a positive change in their profit after the loan had attained an ordinary level of secondary education (Appendix C, Table 5).

小微企业个案研究——Case studies of Microfinance Instutions
This case study was mainly aimed at providing insights into the operation of MFIs in Tanzania. PRIDE Tz which presents NGOs based Microfinance Institution and and Akiba Commercial Bank presesnting Banks. The two institutions was chosen because it is considered to be among the MFIs with the best practices for administering microfinance services. It gives insights on how PRIDE Tz an Akiba Commercial Bank had assisted SMEs to raise their income and expand their business activities.

普瑞德坦桑尼亚有限公司经验分析——Experience of PRIDE Tanzania Limitedng
PRIDE Tz is a non-governmental organisation (NGO) which was incorporated on 5th May 1993 under Chap 212 as a company limited by guarantee without share ownership. The main objective is to provide financial services to the low income entrepreneurs in Tanzania.

'The mission of PRIDE Tz is to create a sustainable financial and information services network for small and micro-entrepreneurs in order to promote their business growth, enhance their income and create employment'38

普瑞德公司贷款策略——PRIDE Tz's Lending Methodology