Our approach

Hand in Hand’s Job Creation Model

Our Job Creation model is anchored on four key pillars: Social Mobilization, Business Training (intensive training of  Six Key Modules over a six month period culminating in graduation and issuance of a certificate), Access to Credit and Linking Entrepreneurs to Markets.  Group savings and skills training aren’t rare. Nor, for that matter, is microfinance. But where other organizations focus on one or two of these elements, Hand in Hand Zimbabwe combines all three – then adds a fourth by connecting entrepreneurs to larger markets. Our model is efficient and cost-effective.  We work in four key stages.


Group leader Padmavathi reading out minutes to her fellow members | Self-Help Group | Kanchipuram, India

Setting up groups

First we create Self-Help Groups, typically made up of women, who support each other, save together and learn together. Contributions to group savings funds are required from all 20 or so members at every weekly meeting.
Damaris Musyoku talks at the Sisters of Hope Group meeting outside their church in Mumandu near Machakos some kms outside Nairobi. They have learned their business skills from NGO Hand in Hand's Business Relations Officer Robert Mwongera whose training has allowed the Sisters of Hope group to be successful table bankers and have small successful businesses such as woollen floor mats.

Business training

Once a group is stable, with its savings fund firmly in place, we train members to discover and develop small businesses with modules in basic bookkeeping, business development, marketing and more. Illiterate and innumerate members are trained using pictures, parables and songs.
Peter Maina |Treasurer for Self-Help Group counting money |Thika, Kenya

Access to credit

Group savings funds help finance most new Hand in Hand businesses. But when members need more than they can borrow internally, we train them in credit management and provide access to microloans, typically worth about US $100, funded by us or a partner. The average repayment rate network-wide is comfortably above 99 percent.
Zacharie Itegekaharmde in fron t of his motorbike | Mobile phone agent | Kayonza District, Rwanda

Links to larger markets

Finally, we help established Hand in Hand entrepreneurs compete – and thrive – by finding larger markets, sourcing cheaper supplies and improving their branding, packaging and more. Scaling up helps entrepreneurs provide for their families and benefits their communities.

Download our strategic plan

Find out where we’re headed, and how we plan to get there. Our strategic plan covers the period from 2018 to 2021.

Download now

Our partners

We’re working with several partners in creating jobs in marginalized rural communities in Zimbabwe. Find out who, and where.

Find out more

Talk to us about our programs


Felix K TETE Chief Executive Officer

Hand in Hand Zimbabwe
73 Heyman Road
VoIP: +263 8677 186755
Skype ID: Felio.Tete

Tel: +263 8677 114443 / +263 29 223 1047-8 / +263 29 225 0388


Emmanuel Makiwa Director of Programmes

Hand in Hand Zimbabwe
73 Heyman Road
VoIP: +263 8677 187092
Skype ID: emmakiwa@yahoo.co.uk

Tel: +263 8677 114443 / +263 29 223 1047-8 / +263 29 225 0388
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