Service provision of RSTGA SACCO to members RSTGA SACCO has been established in 2008 and has 2 133 members  1 office and 1 branch.  RSTGA SACCO was established as a result of the efforts of Rungwe Smallholders Tea Development Trust Fund which operates under Rungwe Smallholder Tea Growers Association  being the agent for development of the tea growers in the region. Before the SACCO was formalized the development trust fund facilitated farmers in the formation of savings and credit groups. After having facilitated these groups for 3 years the amount of farmers reached the stage that a more professional organization was needed for serving the financial needs of tea growers in Rungwe  and in 2008 RSTGA SACCO was founded and registered. 
 RSTGA SACCO is currently providing savings and credit services to its members. Savings services are mostly used by members in order to be able to comply with the conditions for getting a loan. Most loans are agricultural production loans  most of them related to farmer inputs e.g. seeds and fertilizer and occasionally working capital. 
 Targets set by RSTGA SACCO when it was formalised in 2008 were very ambitious. The aim was to reach 15 000 members of RSTGA tea producers within 5 years and have 8 branches all over Rungwe. Now  after 4 years this target appears to be too ambitious and the expectations have been tampered even though serious growth and reaching 10 000 members  of which the majority are small holder tea farmers  in the coming 5 years may not be beyond the horizon. The SACCO foresees a big growth in membership in the coming 2 years. 
 The demand for loans is currently higher than what the SACCO can offer  the loan size does not allow for bigger investments. With the SACCOs growth ambitions the demand for credit will even increase. RSTGA SACCO seeks to expand it outreach to members and wants to provide them with more savings and credit services. (...less...)
In 2015 RSTGA-Saccos managed to agree with the tea farmers association (RSTGA) and with the Tea processing company (WATCO) to sensitize all RSTGA-tea-growers to become member of the Saccos so that the tea payments will ultimately be paid directly from WATCO to the farmers saccos-account. For enabling such a growth in members and transactions RSTGA-Saccos is professionalizing its operations: linking all 5 branches to the head office in Tukuyu  acquiring new accounting software and training staff and board. The path towards growth is now clear and concrete steps in the right direction have been made. In 2016 RSTGA-saccos goal is to be fully set for handling properly the growth in members and servicing them adequatelythis will entail new technology and software (accounting software and offices and branches linked) and reviewing the organizations' strategy and adapting the required Human resources.  In 2018 RSTGA Saccos will concentrate on making sure the New  Accounting software (TRUST BANK) is working properly in the 6 branches. Further professionalization of the Saccos will be achieved in 2016 by officialising the strategic collaboration with RSTGA and WATCO. The managerial skills will grow further (at HO and branches) and the accounting software and the linking of the branches will be finalized in 2016. Hence the review of the strategic plan will be possible after all data has been transferred to the new system and steering the saccos with KPI's will be possible.
In 2017 more efforts will be put on training on governance for newly established branch committee  training branch managers for KPI's  formulating internal audit plan.
And also developing a clear succession HR plan for leaders and management of the SACCOS  and delegation plan.
In 2018 RSTGA Saccos  all staff are fully familiar with new Accounting Software ( TRUST BANK) for recording transactions and producing reports (Monthly  Quarterly  Yearly) for board members  management team