COMMUNITY FINANCING IN FAMILY FARMING

THE ROLE OF SAVINGS AND CREDIT GROUPS IN THE HORTICULTURE VALUE CHAIN IN MARRACUENE, MOZAMBIQUE

Resumo

The study was conducted in the Bolaze lowland in Marracuene, where there are savings and credit groups dedicated to horticulture production. The research aimed to understand the financial credits received and the savings made, as well as the dividends obtained (interest and fines). Additionally, it analyzed the possession of durable goods by group members and the volume of investments in economic activities (both agricultural and non-agricultural). The study also assessed the impact of these factors on the social well-being of participants, with a focus on health, housing, education, and food security within households. Information was collected through direct observation, interviews, and questionnaires administered to association members. Approximately 70 members belonging to the two associations targeted for the study were surveyed: 25 from the September 25 Association and the United Association. The results indicated that the existence of savings and credit groups in Marracuene led to improved sales for all members, as well as encouraging housing improvements and food acquisition to ensure family food security. These groups also provided access to electricity and clean water, meeting the basic needs of participants. In summary, the hypothesis that the creation of these groups positively impacts the horticulture chain and socio-economic components was confirmed.