About Us

Jozani Credit Development Organization (JOCDO) was established in 2003 and officially registered in October 7th, 2003 under the Zanzibar civil societies Act No.6 of 1995. The JOCDO is a non-governmental organization that originated from the Village Savings and Loans (VSL) groups which was initiated as part of the Jozani – Chwaka Bay Conservation project (JCBCP) on Unguja Island, implemented by CARE International in Tanzania Zanzibar, in close collaboration with the Ministry of Agriculture Zanzibar and the Jozani Environmental Conservation Association (JECA). JOCDO replaced JECA in the work of group formation and provision of trainings in the Village Savings and Loan (VSL) scheme. JOCDO’s operations currently covers more than 40 shehia’s of South, Central, West, North and Urban Districts of Unguja.