DAR ES SALAAM INSTITUTE OF TECHNOLOGY

DEPARTMENT OF GENERAL STUDIES (GS)

COURSE PROGRAMME : BEng

Course Name: Entrepreneurship for Engineers

Course Code: GSU 08201

Lecturer: CPA Dr. Amos J. Nsanganzelu (ACPA 2471, FCILT) and Ms. Enna Z. Mafie (M. Ent.
Devpt),

Topic 5: LEGAL AND BUSINESS DEVELOPMENT SERVICES

All service Categories Providers:

a) Central Government-MDAs (Ministries, Departments and Agencies)
b) Local Government-PORALG
c) Professional Boards
d) Others.

Legal Services
Legal services are those services carried out in legal and regulatory processes required for setting up and
operating a formal business in the country. Such services are provided by public organizations which have
been given the authority by the Government to perform them. These services include:

Company Registration
This process must be preceded by formation of a business entity in a form a sole proprietorship, partnership or
limited liability company. If the business form is sole proprietorship or partnership it must be registered under
the Business Names Registration Act. All businesses operating in this country must register with the Business
Registration and Licensing Agency (BRELA), which is under the Ministry of Industries and Trade. The
following documents are required in the process of forming a company:
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 Name of the company (which must be cleared by the Registrar of Companies).
 The address of the registered office in Tanzania
 Names, residential addresses and nationalities of the first subscribers and directors (at least two).
 Memorandum of Association (stating in details the objects of the company) and Articles of Association
(stating in detail the management structure and processes). At least two copies of each document must be
filed;
 Filing a prescribed form to make a declaration that a company has complied with the requirements of the
Tanzanian company law; and
 Payment of the filing fee, registration fee and the stamp duty.

Investment Approval
In making application for investment incentives from Tanzania Investment Center, the following documents
are required:
 Three (3) copies of the project’s Business Plan/Feasibility Study. The intended project should aim at foreign
exchange generation and savings, import substitution, creation of employment opportunities, linkage benefits,
transfer of technology, expansion of production of goods and services etc.
 The feasibility study should contain (i) clear statement of the project objective, (ii) information regarding the
investor (iii) details of investment costs (foreign and local expected capital expenditure) (iv) how the proposed
investment will be financed, specific sources(s) of finance for the project, terms and conditions of the loan if
applicable, (v) sources of technology if applicable (vi) project financial and economic analysis (vii) market
study, (viii) project capacity, production process if applicable, (ix) environmental impact assessment (x)
expected employment generation,(xi) proposed implementation schedule, etc
 Three (3) duly filled copies of application forms which are issued by the Tanzania Investment Center at a fee
of US$ 100;
 In case of expansion/rehabilitation, a copy of audited account for the past three years;
 A copy of the company’s Memorandum and Articles of Association;
 A certified copy of the Certificate of company Incorporation;
 A brief profile of investors(s);
 Evidence of sufficient finance capital available to implement the project;

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 Evidence of land ownership for the location of the project;
 Project implementation schedule; and
 An overall covering letter to which all the above are attached.

Obtaining a General Business License

All businesses must obtain a general business license issued under the Business Licensing Act, 1972. Besides
this, there are different types and number of licenses which must be acquired according to the specific sector
to which the business belong. To obtain a general business license, the applicant must submit the following
documents:
 Photocopy of the certificate of incorporation or certificate of compliance (in case of a company) or certificate
of registration (in case of partnership or sole traders);
 Memorandum and Articles of Association showing among other things that the objectives of the company
allow it to do the business which the license is being applied for;
 Proof of Tanzania citizenship e.g. photocopy of passport, birth certificate, or in case of a non-citizen, resident
permit Class A (showing the holder to be the investor in that company/business);
 In case the shareholders of the company are non-residents, a Powers of Attorney to a citizen/resident must be
submitted;
 Proof by the applicant having a suitable business premises for the business applied. Proof that can be
submitted includes title deed, tenancy agreements, receipt of rent or property tax payment); and
 Tax identification number (TIN) issued by Tanzania Revenue Authority.

The following are examples of Sector Specific Requirements:

 Customs agency license (issued by Tanzania Revenue Authority) for those applying for a license to carry out
the business of clearing and forwarding.
 Telecommunications/postal/broadcasting license (issued by Tanzania Communications Regulatory Authority)
for those applying for a license to carry out telecommunications/postal/broadcasting business.
 Insurance license (issued by Insurance Supervisory Department) for those applying for a license to carry out
insurance business.

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 Special license /permit (issued by Tanzania Food and Drugs Authority) for those applying for a license to
carry out business relating to food, drugs and cosmetics.
 Professional certificates/authorization for all professional businesses e.g. engineers, doctors, lawyers, pilots,
accountants, ship captains, etc (issued by the respective professional organization).
 Industrial license (issued by the Ministry of Industries and Trade) for those applying for a license to establish
industries and factories.

Registration with Tax Authorities

Once a company has been incorporated by the Registrar of Companies, the company is required to register
with the nearest Tanzania Revenue Authority (TRA) office. The first document that must be issued by TRA is
Tax Identification Number (TIN). Normally, Tax Identification Number is issued within three days.
Once the Tax Identification Number has been issued, the tax file will be opened. Once a file number has been
issued, the company is expected to complete provisional tax return forms. These have to be submitted within
three months of the initial accounting date. The company must estimate its profits for the first year and make
quarterly provisional tax payments. Once a file number is issued, TRA will issue an Income Tax Clearance
Certificate, which can be used to obtain the general business license.
If the turnover of the business is Tanzanian Shillings Forty Million the business must register for Value Added
Tax. VAT is charged at 20%. In order to be registered for VAT, the following applicant must fill the
application form obtained from Tanzania Revenue Authority (Value Added Tax Department). The filled form
must be returned with the copies of the following documents:
 Certificate of incorporation or certificate of compliance (in case of a company) or certificate of registration (in
case of partnership or sole traders);
 Memorandum and Articles of Association showing among other things that the objectives of the company
allow it to do the business which the license is being applied for;
 Proof of Tanzania citizenship e.g. photocopy of passport, birth certificate, or in case of a non-citizen, resident
permit Class A (showing the holder to be the investor in that company/ business);
 In case the shareholders of the company are non-residents and don’t have a resident permit, a Powers of
Attorney to a citizen/resident must be submitted;
 Proof by the applicant having a suitable business premises for the business applied. Proof that can be
submitted includes title deed, tenancy agreements, receipt of rent or property tax payment);
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 Tax identification number (TIN) issued by Tanzania Revenue Authority;
 Income Tax Clearance Certificate issued Tanzania Revenue Authority (Income Tax Department);
 Business license issued by the Ministry of Industries or local authority under the Business Licensing Act; and
 Three photos of the applicant or one of the resident directors of the company or local representative.

Steps involved in registration of a Private Limited Liability Company

 Apply for clearance of the proposed company name at the Business Registration and Licensing Authority
(BRELA).
 Apply for a certificate of incorporation and of commencement at Registrar of Companies.
 Apply for taxpayer identification number (TIN) with the Tanzania Revenue Authority.
 Have income tax officials inspect the office site of the new company.
 Apply for PAYE with the Tanzania Revenue Authority.
 Apply for a business license from the regional trade officer (depending on the nature of business).
 Have the land and town-planning officer inspect the premises and obtain his/her signature.
 Have the health officer inspect the premises and obtain his/her signature.
 Apply for a VAT certificate with the Revenue Authority.
 Receive VAT/stamp duty inspection.
 Register for the workmen’s compensation insurance at the National Insurance Corporation or other alternative
insurance policy.
 Obtain registration number at the National Social Security Fund (NSSF).

Other Legal Services:

Business Laws & Regulations
Different sectors are governed by specific licenses & regulations, therefore it is important to seek legal advice
on the required licenses and regulations which must be fulfilled in a particular sector. In this case, the
government has established organizations known as regulatory authorities which have the mandate to oversee
and administer laws and regulations pertaining to different economic activities in the country. In addition,
there is a labour department responsible for labour laws and regulations and courts responsible for

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 commercial and labour issues. Compliance of laws and regulations are important in the formation and
operations of formal businesses. Some of these organizations include the following:

Tanzania Revenue Authority

The Tanzania Revenue Authority (TRA) is a government agency charged with the responsibility of managing
the assessment, collection and accounting of all central government revenue.

Functions:
 To assess, collect and account for Government Revenue;
 To administer effectively and efficiently all the revenue laws of the Central Government.
 To promote voluntary tax compliance.
 To improve the quality of services to the taxpayers;
 To counteract fraud and other forms of tax evasion;
 To produce trade statistics and publications.

The Energy and Water Utilities Regulatory Authority (EWURA)

EWURA is an autonomous multi-sector regulatory authority responsible for technical and economic
regulation of the electricity, petroleum, natural gas and water sectors in Tanzania.
Functions:
 To provide licensing, tariff review and monitor performance & standards with regards to quality, safety, health
and environment.
 To promote effective competition and economic efficiency as well as protecting the interests of consumers.
 To protect the interests of consumers.
 To protect the financial viability of efficient suppliers
 To promoting the availability of regulated services to all consumers including low income, rural and
disadvantaged consumers;
 To protect and preserve the environment.
 To enhance public knowledge, awareness and understanding of the regulated sectors.

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 The Surface And Marine Transport Regulatory Authority (SUMATRA)
This is a multi-sector regulatory agency responsible for rail transport, port and shipping services, maritime
safety & security and road transport.

Functions:
 To promote effective competition and economic efficiency
 To promote the interest of the consumers and protect the financial viability of efficient suppliers.
 To protect the availability of regulated services to all consumers including low income rural and
disadvantaged consumers.
 To enhance public knowledge/ awareness and understanding of the regulated sectors.
 To regulate safety and security in the transport sector.
 To facilitate the resolutions of complaints and disputes
 To disseminate information about relevant to the functions of the authority.

Business Registrations And Licensing Agency (BRELA)

BRELA is a Government Executive Agency responsible for business registration and licensing in the country.
Functions:
 To administer companies and business names laws.
 To regulate business by administering business and industrial licensing laws.
 To administer intellectual property laws.
 To encourage and facilitate local and foreign business investment.
 To stimulate scientific and technological inventiveness and innovation and encourage technology transfer.
 To protect the development of creativity in artistic, literary works, and expression of folklore by protecting
such work.

Tanzania Food And Drug Authority (TFDA)

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 TFDA is a regulatory body responsible for controlling the quality, safety and effectiveness of food, drugs,
herbal drugs, cosmetics and medical devices. It is also responsible for protecting the public health by ensuring
various national standards of all the above are met and adhered to.

Functions:
 To evaluate and register drugs, prepackaged food, cosmetics, herbal drugs, medical devices and food
supplements before their approval for distribution and marketing in the country.
 To ensure that all dealings in food, drugs, herbal drugs, cosmetics and medical devices are done after
obtaining relevant licenses and permits.
 To inspect manufacturers, wholesalers and retailers and clinical trials sites at port of entry to ensure that
standard requirements for food, drugs, herbal drugs, cosmetics and medical devices are complied to.
 To control importation and exportation of food, drugs, herbal drugs, cosmetics and medical devices in order to
ensure their safety, quality and effectiveness by giving details and procedures to be followed when goods are
imported and exported.
 To monitor continually safety of food, drugs, herbal drugs, cosmetics and medical devices available in the
Tanzania market.
 To carry out laboratory analysis for quality, safety and effectiveness to determine the quality, safety and
effectiveness of food, drugs, herbal drugs, cosmetics and medical devices manufactured or imported into the
country.
 To control and organize promotion of food, drugs, herbal drugs, cosmetics and medical devices in the country.
 To educate and inform stakeholders on all issues related to institution’s functions such as control of the
quality, safety and rational use of drugs, food, herbal drugs, cosmetics and medical devices.

Tanzania Bureau of Standards (TBS)

TBS was established to undertake measures for quality control of products of all description and promote
standardization in industry and commerce.
Functions:
 To provide for the testing of locally manufactured and imported commodities with a view to determine
whether such commodities comply with the provisions of laws dealing with standards relevant to such
commodities.
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 To undertake measures or quality control of commodities of all description and promote standardization in
industry and commerce.
 To provide training to the industries and small and medium enterprises (SMEs) on matters concerning quality
packaging design.
 To make arrangements or provides facilities for testing and calibration of precision instruments , gauges and
scientific apparatus for the determination of degrees of accuracy by comparison with standards approved by
the ministers on recommendation of the council and the Issue of certificate in regard there to.
 To provide standard marks which allows manufactures whose products have conformed to Tanzania standards
to use the TBS mark of quality.
 To provide symbols which manufactures may use to promote their products and consumers seek as evidence
of quality.

Tanzania Communications Regulatory Authority (TCRA)

TCRA is an Authority for overseeing the postal, broadcasting and electronic communications industries and
has the mandate to regulate them.

Functions:
 To promote effective competition and economic efficiency;
 To protect the interests of consumers;
 To promote the availability of regulated services
 To provide licensing and enforce license conditions of broadcasting, postal and telecommunications operators;
 To establish standards for regulated goods and services;
 To regulate rates and charges (tariffs);
 To manage the radio frequency spectrum;
 To monitor the performance of the regulated sectors; and
 To monitor the implementation of ICT applications.

The National Environment Management Council (NEMC)

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 NEMC was established with a broad mandate in response to the national need to oversee environmental
management issues including sustainable management of the environment, prevention and control pollution,
waste management, environmental quality standards, public participation, environmental compliance and
enforcement. It also has the mandate to undertake enforcement, compliance, review and monitoring of
environmental impacts assessments, research, facilitate public participation in environmental decision-making,
raise environmental awareness and collect and disseminate environmental information.

Functions:
 To enforce and ensure compliance of the national environmental quality standards.
 To review of Environmental Impact Statements (EIS) and conduct environmental monitoring and auditing of
projects and facilities.
 To undertake and co-ordinate research, investigation and surveys in the field of environment and collect, and
disseminate information.
 To carry-out research and surveys for the proper management and conservation of environment.
 To render advise and technical support to entities engaged in natural resources and environmental
management.
 To initiate and evolve procedures and safeguards for the prevention of accidents which may cause
environmental degradation.
 To enhance environmental education and public awareness; and establish and operate national information
system for sound environmental management.
 To publish and disseminate manuals, codes and guidelines relating to environmental management and
prevention or abatement of environmental degradation.
 To issue restoration and recommend for easements orders, and save prohibition notice.

The Export Processing Zone Authority (EPZA)

The Export Processing Zone Authority (EPZA) was established with the aim of developing, industrial
infrastructure/premises for different industrial sectors. Recently Export Processing Zones (EPZ) have been
merged with Special Economic Zones (SEZ) to form Economic Development Zones (EDZ). The sectors
included in the EPZA are Textiles and Garments, Agro- processing Leather processing and manufacture of

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 leather products Fish processing Lapidary (gold, diamonds and gemstones, including the famous Tanzanite)
Wood products. Electrical & Electronic Appliances Information and Communication Technology (ICT)
Industries. These industries have been or are in the process of being established in different parts/regions of the
country namely Dar es salaam, Coast Region, Tanga, Mwanza, Kilimanjaro, Arusha, Manyara, Kagera,
Shinyanga (Isaka), Mtwara, Kigoma.

The objectives of EPZA include:

 To attract and promote investment for export-led industrialization
 To increase Foreign Exchange earnings
 To create and increase employment opportunities
 To attract and encourage transfer of new technology
 To promote processing of local raw materials for export (value addition)
In addition to the mentioned objectives EPZA has the following functions:
 To develop EPZ/SEZ infrastructure
 To provide business services to EPZ/SEZ investors and issue of EPZ/SEZ licenses.
 To act as a one stop service center for all prospective and existing investors.

Commercial and Labour Courts

The Commercial Court is responsible for handling all commercial disputes. It was established with the aim of
ensuring efficient management and expeditious disposal of commercial disputes so as to encourage business
development under a free market economy and also growth of foreign investments.

The Labour Court is responsible for hearing and determining employment disputes which occur between
employers and employees.

Labour Department

This is a department in the Ministry of Labour and Youth Welfare responsible for coordinating and overseeing
labour laws and regulations. Business owners must have a good knowledge of these laws and regulations
because they have to be observed by all employers and employees in both public and private organizations.

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Insurance
Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for
payment. An insurer is a company selling the insurance; the insured, or policyholder, is the person or entity
buying the insurance policy. The amount to be charged for a certain amount of insurance coverage is called the
premium.

Hence insurance is a form of risk management primarily used to give protection against an uncertain loss
which is important for any business undertaking. Therefore businesses must be insured in order to avoid
losses which might cost the life of the business itself or its employees.

Basic Legal Principles of Insurance:

Indemnity – the insurance company indemnifies, or compensates, the insured in the case of certain losses only
up to the insured's interest.
Insurable interest – the insured typically must directly suffer from the loss. Insurable interest must exist
whether property insurance or insurance on a person is involved. The concept requires that the insured have a
"stake" in the loss or damage to the life or property insured. What that "stake" is will be determined by the
kind of insurance involved and the nature of the property ownership or relationship between the persons.
Utmost good faith – the insured and the insurer are bound by a good faith bond of honesty and fairness.
Material facts must be disclosed.
Contribution – insurers which have similar obligations to the insured contribute in the indemnification,
according to some method.
Subrogation – the insurance company acquires legal rights to pursue recoveries on behalf of the insured; for
example, the insurer may sue those liable for insured's loss.
Proximate cause – the cause of loss (the peril) must be covered under the insuring agreement of the policy,
and the dominant cause must not be excluded.
Mitigation - In case of any loss or casualty, the asset owner must attempt to keep the loss to a minimum, as if
the asset was not insured.

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Some Types of Insurance
Machinery insurance, or equipment breakdown insurance insures against accidental physical damage to
boilers, equipment or machinery.

Marine insurance and marine cargo insurance cover the loss or damage of vessels at sea or on inland
waterways, and of cargo in transit, regardless of the method of transit.
Public liability insurance covers a business or organization against claims should its operations injure a
member of the public or damage their property in some way.

Mortgage insurance insures the lender against default by the borrower. Mortgage insurance is a form of credit
insurance.

Travel insurance is an insurance cover taken by those who travel abroad, which covers certain losses such as
medical expenses, loss of personal belongings, travel delay, and personal liabilities.
Automobile insurance: Commercial automobile policies cover the cars, vans, trucks and trailers used in
business. The coverage will reimburse the business owner if vehicles are damaged or stolen or if the driver
injures a person or property.

Property insurance insures against loss or damage to the location of the business and its contents. It can also
insure the property of others in your control when the loss occurs.

Liability insurance insures against liability legally imposed upon business because of the negligence of the
business or its employees. Put another way, it protects business when the business is sued for negligence.

Workers' compensation is a system where the employee is not allowed, by statute, to sue their employer for
on-the-job injuries; but, in return, the employer must participate in a system that provides nearly automatic
payment to the employee in case of injury for medical bills and damages.

Health insurance: This insurance offers a health coverage benefit to the business owner and employees.

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Life and disability insurance protects the business against the death or disability of key employees. For
example, one partner carries a life insurance policy naming the partnership as a beneficiary. If that partner
dies, and the business has planned properly, the proceeds of the policy can be used by the business to buy out
the share of the decedent's partnership interest from the estate.

Business Development Services

Business Development Services (BDS) are service provided to businesses on either a formal or informal basis.
These services are important for improving the performance of the enterprise, its access to markets, and its
ability to compete. They include:
Operational services: those needed for day-to-day operations, such as information and communications,
management of accounts and tax records, and compliance with laws and regulations.
Strategic services: those used by the enterprise to address medium- to long-term issues in order to improve
the performance of the enterprise, its access to markets, and its ability to compete. Support to identify and
service markets, design products, set up facilities, and seek financing.

Criteria for BDS Success

Outreach: Numbers of individuals and enterprises reached by the service.
Efficiency: Cost and rate at which inputs are converted to outputs.
Effectiveness: The achievement of objectives of BDS interventions.
Sustainability: The extent to which the service can be financed by clients fees and the stability of resultant
changes in businesses .
Impact: Achievement of the desired change in the performance of businesses operated by the clients.

Good BDS Practice

Business- like and Demand- led: Business development services provided should be paid for by the recipients
in order to place value on services. Such transaction must take into consideration the affordability and the
willingness to pay for such services. Therefore the availability of sufficient numbers of businesses who able
and willing to pay for such services so that providers can supply them on profitable basis is crucial. Also BDS
providers must deliver services that are in demand by small enterprises in the market place. This will occur

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only when there is such a demand for the particular service due to its appropriateness and affordability for
each market niche.
Sustainability: BDS providers have to deliver effective, demand-led services to small enterprises on a
sustainable basis. This requires to have good institutional capacity and financial viability of BDS providers. In
addition, small enterprises to which the business development services are provided should be sustainable in
terms of contribution to employment generation and economic growth.
Tailored to client needs: BDS providers conducting a needs assessment in order to understand the needs of
the clients. Also it is important for them to continuously acquaint themselves with policies, laws, regulations
and access any other business information so that they can design and provide appropriate interventions meet
the needs of clients.
Participatory approach: Business development services provided in form of seminars, workshops and other
modes of training should include participatory methods of training such as case studies, role plays, group
discussions etc which involve active participation of learners.
Maximizing outreach: BDS providers should make sure that they are able to deliver services in almost all
areas where those services are in demand. Therefore it is important to design and deliver services that permit
the expansion of outreach cheaply and with limited external subsidy.
Focus and specialization of providers: It is important for BDS providers to specialize and focus on particular
services which is important for systematic approach and quality assurance.
Evaluation and impact assessment: BDS providers must carry out evaluation and assess the impact of the
services delivered on the development and performance of small enterprises. This is important for appraising
the effectiveness and quality of the service in achieving desired change in the performance of small
enterprises.

Types of Business Development Services

Marketing Services
The provision of marketing services is important for business development . Types of services provided are
market access, market linkages, market information, packaging, advertising, market research, trade fairs etc.
Examples of marketing service providers in this country are Finance and Enterprise Development Agency
(FEDA), Private Sector Initiatives (PSI), FAIDA-Rural Economic Activities (REA), The Board of External

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Trade (BET), Tanzania Chambers of Commerce, Industry and Agriculture (TCCIA), AMKA Trust and
Tanzania Gatsby Trust (TGT).

Information & Advocacy Services

This includes provision of business information and advocacy initiatives in policies and other issues pertaining
to industrial development in the country. Other services are advocacy awareness and links between SME
community and government at all levels. Organizations which offer these services are Tanzania Chambers of
Commerce, Industry and Agriculture (TCCIA), Tanzania Gatsby Trust (TGT), The Dutch Development
Organization (SNV), The Board of External Trade (BET), Confederation of Tanzanian Industries.

Technology Development & Transfer Services

Technology development and transfer is carried out in form of developing tools and machinery, facilitating
access to machinery and tools in a hire-purchase scheme, offering usage of machinery in common facility
workshops to entrepreneurs and technical training. Other services include research and development of
machinery and equipment, adapting designs of agricultural machinery and equipment to suit local conditions
and conducting short training courses in fabrication, use and maintenance of agricultural machinery and
equipment, quality assurance of industrial products, product & systems certification and issuing a ‘Mark of
Quality’. In addition, the services include providing testing services in legal metrology, technology transfer to
incubators and industrial clusters, training in production processes in business incubators and monitoring the
performance of small industries in business incubators and industrial clusters. Organizations which offer these
services are Tanzania Industrial Research and Development Organization (TIRDO), Technology Development
and Transfer Center (TDTC) of the University of Dar es Salaam, Small Industries Development Organization
(SIDO) Kilimanjaro Industrial Development Center (KIDC), Center for Agriculture and Rural Mechanization
and Technology (CARMATEC), Tanzania Bureau of Standards (TBS).

Advisory & Consultancy Services

The most common advisory and consultancy services to small enterprises are preparation of business plans,
and loan proposals and improvement of management practices and technical assistance, technology, packaging

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and other industrial development aspects. Some of the service providers include SIDO, CEFE Tanzania,
AMKA, PRIDE (T) Techno Serve and Tanzania Gatsby Trust (TGT), Tanzania Bureau of Standards.

Technical Training

Various types of technical training in food processing and the production of mechanical, chemical and other
products are provided by a wide range of service providers all over the country. Examples of providers are
Vocational Education and Training Authority (VETA) Centers, SIDO, TIRDO, CARMATEC and some
religious organizations.

Business Premises

This type of BDS includes provision of infrastructure for business operations, storage and space for trade fair.
The infrastructural elements include work spaces in the industrial estates and industrial sheds, business
incubators, industrial clusters, storage and warehousing facilities, export processing zones (EPZ). These
services are provided by the University of Dar es Salaam, College of Engineering and Technology (CoET) &
University of Dares Salaam Entrepreneurship Centre (UDEC), Small Industries Development Organization
(SIDO) and private organizations. The government has plans to establish 'Industrial Parks' in form of export
processing zones (EPZ) in thirteen (13) regions in the country which will have facilities to house many
industrial units.

Business and Entrepreneurship Training

These services include training in form of seminars, workshops, short and long term courses to impart
business and entrepreneurship concepts and skills. Some of the service providers including colleges and
institutions such as Universities (University of Dar es Salaam, College of Engineering and Technology
(CoET) & University of Dares Salaam Entrepreneurship Centre (UDEC)) and business colleges, all
vocational education and technical colleges/institutes, Small Industries Development Organization (SIDO),
Tanzania Gatsby Trust (TGT), International Labour Organization (ILO), NGOs (local and foreign).

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Financial Services

These are funding services provided in form of grants and loans for business development. Such services are
provided by the both public and private financial organizations and institutions. For example the government
has set special funds including Women Development Fund (WDF) and Youth Development Fund (WDF),
SELF for funding various categories of entrepreneurs. There is a large number of commercial banks and other
microfinance institutions which offer special (financial) products for SMEs for the development of small
industries. Examples are National Micro-Finance Bank (NMB), Akiba Commercial Bank and the Cooperative
and Rural Development Bank (CRDB). Others include SIDO, Tanzania Gatsby Trust (TGT) and Microfinance
Institutions (MFIs) such as PRIDE, YETU Microfinance Bank etc.

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