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Memorandums of Understanding and Partnership


CEDA has signed several Memorandums of Agreement with various organisations within Botswana and the region. To name a few, CEDA has MOU’s with Botswana Agricultural Marketing Board (BAMB), Botswana Horticultural Market (BHM), Land and Agricultural Bank of South Africa, Development Bank of Namibia and Botswana Post. The Agency recently signed a Memorandum of Understanding with Centre for Entrepreneur Development And Research in Malaysia and Botswana Institute for Research and Innovation.

Botswana Horticultural Market

The purpose of this agreement is for both parties to assist its mutual clients.  Through this MOU, CEDA and BHM are to:

  • Develop partnerships between producers and other key stakeholders to enhance the development and growth of the horticultural industry.
  • Develop networking opportunities whereby stakeholders can devise ways in which to introduce marketing initiatives aimed at increasing profitability for local producers.
  • Establish a forum where
  • Establish a reliable and growing horticultural market for enterprises.

Botswana Post

Due to the CEDA branch network being situated only in Gaborone, Maun, Selebi-Phikwe, Palapye, Kanye, Francistown and Ghanzi, CEDA entered into a MOU with the Botswana Postal Services as they have  a wider branch network giving CEDA clients that live in far and remote places the opportunity to continue business with CEDA. This MOU allows CEDA clients to be able to pay their accounts, collect at any Botswana Post Office in the country. Clients who do not have access to our branches are able to use the Postal Service network.

  • Botswana Post will assist CEDA in disseminating brochures and other marketing collateral in all their branches nationwide.
  • Botswana Post shall provide Hybrid Bulk Mailing Solutions by printing and mailing CEDA statements to all CEDA clients.
  • Botswana Post shall also provide CEDA with Express Mail Service for documents and parcels.

  Access Botswana Post on

Botswana Agricultural Marketing Board

CEDA and BAMB entered into a Memorandum of Understanding to assist in the development of the agricultural sector through provision of funding, training and mentoring to viable citizen agricultural businesses and projects. As Agribusiness is one of CEDA’s sectors, it would be in the best interest for CEDA to form linkages with institutions such as BAMB.

The benefits of this MOU are for CEDA and BAMB to:

  • Assist farmers in minimizing the risk associated with defaulting in loan repayments to CEDA as a financier.
  • Reduce transaction costs for the Agency, through shared projects visits.
  • To ensure that there is a reliable supply of grain from the farmers to BAMB
  • Guaranteed Market of inputs for BAMB

Through the agreement farmers will have:

  • Easier and timely access to working capital
  • Assured market for produce under contract production
  • Market advisory services
  • Discount on inputs

Access the BAMB website on:


The Centre for Entrepreneur Development and Research (CEDAR) is a wholly-owned subsidiary for SME Bank. Established in 2013 to complement the developmental role of SME Bank. Established in 2013 to complement the developmental role of SME Bank, CEDAR aspires to be a centre of excellence for entrepreneur development and transformation. Its mission is to continuously develop the capability of entrepreneurs to sustain their growth in support of the national economic agenda.

Today, SME Bank stands out as the only Malaysian development financial institution with a subsidiary like CEDAR. Applying the concept of business coaching and engagement, the centre conducts research-based coaching, function-based facilitation and entrepreneur-focused mentoring. Programmes undertaken by CEDAR are unique, with an  identity that defined the Group’s slogan of ‘beyond financing’ that is championed by the bank.

The Scope of the MOU between CEDA and CEDAR is:

The parties will co-operate in areas of mutual interest with one another, with specific reference to:

 a) Share and utilise their respective institutional experiences and knowledge and relevant information to improve their respective service deliveries in

     in their countries of operation. Share information such as the:

  •     Developmental Impact/Sustainability Report:
  •     Business sustainability models
  •     Lending and Equity investment policies and framework
  •     Any other areas of mutual interest.

  b)  Business support  and mentoring services; and mentoring services; and

  c)  Capacity building in areas such as:

  •     Due diligence and Loan appraisal;
  •     Deal structuring, Debt and Equity portfolio monitoring;
  •     Risk Management;
  •     Client Relationship support services;
  •     Product Development
  •     Research

 d)   Secondment and/or attachments for staff of the Parties.

Botswana Institute of Research and Innovation (BITRI)

The Citizen Entrepreneurial Development Agency (CEDA) in partnership with the Botswana Institute of Research and Innovation (BITRI) have recently signed a Memorandum of Understanding (MOU) in an effort for both parties to seek ways in which they can beneficially fulfil their respective mandates.

The aim of this MoU is to establish a framework for collaboration on commercialisation of BITRI Research and Development (R&D) output. The scope of the MoU includes, but is not limited to areas of joint activities, such as:

  • Collaboration in commercialization of output from BITRI R&D projects,
  • Screening and approval of prospective licensees and assignees of BITRI technologies for possible funding
  • Funding, training, mentoring and imparting entrepreneurial skills and competencies to BITRI, its affiliated organisations and subsidiaries in order to transform them into sustainable enterprises that contribute meaningfully towards Botswana’s economic growth and development.

In this MOU BITRI will be largely responsible for:

  • Assessing commercial feasibility of Research and Development output made by BITRI researchers, ICT Associates and affiliated organisations
  • Production of business plans and business cases for the commercialisation of BITRI research outputs/technologies for consideration of funding by CEDA;
  • Assessment of projects and business plans for business viability prior to prior to submission to CEDA.

In support of BITRI, CEDA will be responsible for:

  • Assessment of projects and business plans for business viability prior to funding and commercialisation
  • Financing commercialisation aspects of the BITRI Research, ICT Associates and Development projects
  • Providing guidance in the drafting of sound business plans and cases
  • Training and mentoring of funded projects.


Southern African Development Community Development Finance Resource Centre (SADC DFRC)

By being a member of SADC DFRC network, CEDA places itself in a position whereby it can tap into a variety training resources and information from other institutions within Botswana and the SADC region at large.

SADC DFRC is a SADC institution established under the SADC Principle of Subsidiarity. It is collectively ‘owned’ through a trust by the SADC-DFI network as its ‘self-help’ organisation.

Through technical and capacity building support, as well as policy research and advisory services, the DFRC’s mandate is to promote the effective mobilisation of resources by the financial sector, in particular the DFI’s, for investment in key areas with the potential to stimulate growth, generate employment and alleviate poverty, in line with the objectives of SADC under RISDP.

The key focal areas the DFRC has identified in its Five – Year Strategic Business plan are:

  • Financial sector reforms and strengthening and capital  markets development;
  • Institutional support, encompassing capacity building
  • SME Development and Support
  • Infrastructure and Public Private Partnership (PPP)

Association of African Development Financial Institution

CEDA has membership in the Association of African Development Financial Institutions (AADFI’s). The AADFI is a continental institution which provides financial institutions with training support and capacity building to key personnel of member organisations.

The key objectives of AADFI are to:

  • To promote economic and social development in Africa throughout cooperation among banks and financial institutions.
  • To stimulate cooperation for the financing of economic and social development.
  • To establish among its members a machinery for systematic interchange of information.
  • To accelerate the process of economic integration in the African region
  • To encourage studies realization bearing on common interests problems

Access the AADFI website on

The 2018-21 Strategy Map

Key Principles – Strategic Thinking Informing the 2018-2021 CEDA Organizational Strategy

  • A number of key principles guided the formulation of CEDA’s strategic plan for the period 2018-2021.  These were considered as crucial elements for the development of the Agency’s strategic foundations and strategic intent. 
  • The key principles driving the CEDA strategy are stipulated below.
  • CEDA’s primary mandate is to support the development of the SMME sector through debt and equity financing as well as provision of relevant training and mentoring services that enable capacity building.  These are aimed at supporting growth and stability of an entrepreneurial culture within Botswana.  The SMME sector is also viewed as a major growth area for innovation and establishing Botswana as a country that is able to compete regionally whilst satisfying local demand for goods and services. 
  • Given the length of time that CEDA has been operating within the DFI sector, the strategy must now take a transformative form, that positions the Agency as a centre of excellence for SMME development, characterised by talented people, innovation and focus on results.  
  • CEDA should focus on enhancing sustainability and growth, growing its talent and culture, building strong strategic alliances, developing research capabilities and driving innovation. 
  • Key emphasis must be placed on driving the use of technology and innovation as a means to effectively supporting critical business processes.  Embedded in this is institutionalising Business Process Management (BPM) as a framework of continuous process and service improvement aimed at positioning CEDA as a model DFI in the region.  This is seen as a key aspect of CEDA’s transformational agenda.
  • To this end the residual impact of CEDA`s Strategy is to ensure the development and emergence of a sustainable, innovative and competitive SMME sector that adds substantial value to job creation and  economic growth and diversification.