Financial inclusion programmes covers access to financial services i.e. savings, credit and insurance as well as financial literacy. The Finscope (FSDT) financial access survey shows over 40% of Tanzanian adults do not have access to financial services in Tanzania, this is rural development. It is on these bases, SEDIT inverted VICOBA model, a group and savings approach as a platform for participatory poverty alleviation.
Table I: Key projects under financial inclusion through Community Micro finance Groups (CMGs)
| Program | Duration | Funder | Partners | Coverage | Key Outputs / Outcomes |
| ORGUT - SEDIT VICOBA Program | April 2008 - March 2011 | FSDT | District Councils, Finish Consulting | Maura, Lindi, Dar s Salaam, Manyara, Mara, Arusha, Morogoro, Dodoma and Coastal regions |
|
| SEDIT - MIVARF VICOBA Programme | July 2015 to date | IFAD; GoT (Prime Minister’s Office) | District Councils, National Economic Empowerment Council | Maura, Lindi, Dar s Salaam, Manyara, Mara, Arusha, Morogoro, Dodoma and Coastal regions |
|
| NIGP VICOBA Programme | March 2009 - May 2010 | UNDP | DC, UNDP and URT-MoF-PED. | Ilala, Temeke, Rufiji, Chamwino and Bahi |
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