The project trained SIDO credit officers from 21 regions of Tanzania in improving ways of processing and appraising loans. One of SIDO’s core activities is provision of micro credit to SMEs, but it is also active in linking SMEs with financial service providers. SIDO recently received a grant from the Japanese International Cooperation Agency (JICA)to act as a guarantee fund for Tanzania’s CRDB bank to offer loans to SMEs in Tanzania that have surpassed loan ceilings offered by SIDO. SIDO credit officers assisted some SMEs, selected as part of the project’s quality component, to develop business plans and apply for funding: six were successful and five are still pending. What is important is not the numbers but the skills and learning facilitated by the project, which local experts will replicate and scale up independently. The value of credit approved for SMEs was US$ 281,000, with US$ 19,000 already disbursed; US$ 440,000 of applications are pending. The loans from SIDO enabled some project beneficiaries under the HACCP component to invest in capital expenditure required to close some quality compliance gaps, making it possible for the TBS to audit them for quality compliance certification. Among the clients are Delicosy, based in Dar, and Afrilife, based in Kahama-Shinyanga. Local experts will continue to provide support to SMEs in raising loans from SIDO and in assisting them by appraising their business plans to ensure that they are to the standards required for them to acquire big loans from banks. To do this, the local experts will be using the financial software tools provided to them by ITC.