Abstract:- Tivland is not developed. About 70% of 3.9 million population in Tivland are small-holder farmers and micro-entrepreneurs who are funded by informal self-help financial groups (ISHFGs), which are not supported by external funding. Using in-depth interviews and participant observation methods, the study sought to identify the major types of ISHFGs in Tivland, how they generate funds, how they are sustained, their role in micro-enterprise development, and their challenges. The study revealed that there are three major types of ISHFGs in Tivland. They generate funds through savings deposits and interests on loans. They are sustained by group trust/cohesion. They have created easy access to micro-credit, and have empowered members for in income generating activities. Their major challenges are limited funds, bad leadership, no networks and external funding. The study concludes that ISHFGs in Tivland need networks for external funding, management/leadership trainings and close monitoring and evaluation of their operations

Tivland is not developed. About 70% of 3.9 million population in Tivland are smallholder farmers and micro-entrepreneurs who are funded by informal self-help financial groups (ISHFGs), which are not supported by external funding. Using in-depth interviews and participant observation methods, the study sought to identify the major types of ISHFGs in Tivland, how they generate funds, how they are sustained, their role in micro-enterprise development, and their challenges. The study revealed that there are three major types of ISHFGs in Tivland. They generate funds through savings deposits and interests on loans. They are sustained by group trust/cohesion. They have created easy access to micro-credit, and have empowered members for in income generating activities. Their major challenges are limited funds, bad leadership, no networks and external funding. The study concludes that ISHFGs in Tivland need networks for external funding, management/leadership trainings and close monitoring and evaluation of their operations.