Tamfi Directory 2011 2012 PDF

TAMFI
TANZANIA ASSOCIATION OF MICROFINANCE

INSTITUTIONS (TAMFI)
MEMBERS DIRECTORY 2011/12
PTF, UPOROTO STREET,

P.O.BOX 950,
DAR ES SALAAM
www..
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MEMBERS DIRECTORY 2011/12

(First Edition)
Section
Topic
CONTENTS
Page No.
Section A List of TAMFI members...............................................................9

Section B Microfinance institutions details.................................................10
Section C Banks details.............................................................................39
Section D Wholesale lending institutions details........................................46
Section E Service Providers institutions details.........................................50
Section F Micro insurance details.............................................................52
Section G Members business position as 31st December 2010..............53
TAMFI Members Directory 2011/12
ACRONYMS
ACIST
Arusha Community Initiative Support Trust
DCB
Dar es Salaam Community Bank
ACB
Akiba Commercial Bank
ECLOF Tanzania
Ecumenical Church Loan Fund Tanzania
FINCA Tanzania
Foundation for International Community Assistance Tanzania
FAIDERS
Facilitation for Integrated Development and Relief Services
FMiA
First Micro Insurance Agency
MBF
Mama Bahati Foundation
MFI
MuCoBa
PASADA
PTF
PRIDE Tanzania
RFSP
SEDA
Microfinance Institution
Mufindi Community Bank
Pastoral Activities and Services for people with AIDS Dar es Salaam
Archdiocese
Presidential Trust Fund
Promotion of Rural Initiative and Development Enterprises Limited

Rural Financial Services Program
Small Entrepreneurship Development Agency
SELF
Small Enterprise Loans Facility Projec
YOSEFO
Youth Self Employment Foundation
SIDO
WEDTF
Small Industries Development Organization

Women Entrepreneurship Development Trust Fund
CHAIRMANS MESSAGE
I feel greatly honored as I write this message on the first ever published TAMFI Members
Directory. This gives me great satisfaction that TAMFI has accomplished in developing an
informative tool to be used by all stakeholders.
In this Directory, you will find information of our members including their contacts and business performance. The essence of TAMFI members featuring this crucial information to the
public is to enhance connections and also an opportunity to showcase their products and
services. It is envisaged that this Directory will benefit everyone who goes through it.
I wish to thank all Institutions that have supported the development of this Directory and
were willing to share and provide valuable information about their organizations.
Special thanks to Stromme Microfinance East Africa Ltd for financing the production of this
directory. Stromme contribution to TAMFI signifies the value of strong partnership between
Associations and Financiers in building the capacity of the microfinance industry. TAMFI
appreciates Stromme contribution to make Tanzania Microfinance industry active and
strong.
To all our readers, we encourage you to make use of this directory for better understanding
of TAMFI members businesses and take the opportunity to establish fruitful contacts with
them.
This is directory has opened a way for many TAMFI Directory to come in the coming years.
Edmund Mkwawa
TAMFI Board Chairman
TAMFI MEMBERS OF THE BOARD
EDMUND MKWAWA
JOEL MWAKITALU
WINNIE TERRY
HASSAN SALUM
ALTEMIUS
MILLINGA
FELISTAS
COUTINHO
ABIAH KAAYA
MEMBER
TAMFI INSTITUTION PROFILE

The Tanzania Association of Microfinance Institutions (TAMFI) was established in 2001 as a
microfinance national network drawing its members from NGO-MFIs, Banks and Community based
Organizations.
TAMFIs power is derived from its constitution, which is registered by the Registrar of Societies as
a Non Profit and Non-Governmental Organization. TAMFI is a member based organization. The
mandate is established and reviewed by Members of the association at Annual General Meetings
(AGMs). Article 4 of the Constitution of TAMFI provides for two categories of members. Ordinary
members comprised of MFIs legally registered in Tanzania i.e. those involved in the provision of
savings and credit services to micro and small enterprises. The second category is that of
associated members that includes; organizations or Institutions involved in microfinance as donors,
direct providers of product and services to MFIs and those that facilitate microfinance activities
such as loan guarantee funds and direct providers of technical assistance to MFIs.
Goals and Objectives
According to Article 2 of the Constitution of the association, the main goal of TAMFI is:
To facilitate (develop) the capability of Micro-finance Institutions (MFIs) and the micro-
finance sector in Tanzania through lobbying, advocacy, training and information gathering
and dissemination
The objectives of TAMFI are:

i.
To enhance, strengthen, and to act as a forum to address mutual interests and to
develop micro-finance institutions in Tanzania.
ii.
To act as a networking, lobbying and advocacy body for the sector.
iv.
TAMFI shall advocate the Government of Tanzania (GOT) to create and maintain an
appropriate regulatory framework for Micro-finance Institutions in Tanzania.
iii.
v.
To act as a unifying organ between its members.
To facilitate (carry out) research relevant for MFI development and provide viable
suggestions.
VISION
TAMFIs vision is to become a vibrant network that effectively supports the MF industry in
Tanzania.
MISSION STATEMENT
TAMFIs mission is to facilitate creation of an enabling environment for development of a

sustainable microfinance industry in Tanzania through participation of all stakeholders.
6
CORE VALUES
TAMFIs core values should guide code of conduct of its staff and its members as follows:
Accountability and transparency
Equity, fairness, and equality in the treatment of members
Adherence to microfinance best practices

Non-discriminatory services
Good governance
Political independence
Supporting environment-friendly enterprises
ACKNOWLEDGEMENT
The production of this TAMFI Members Directory has been made possible by funds received from
Stromme Microfinance East Africa. Special thanks to Stromme Microfinance East Africa for
contributing towards this valuable and meaningful project.
Many thanks as well to all member Microfinance Institutions who provided their information to
construct this important members directory the first in the history of TAMFI.
Plot 25, Block LRV 235, Folio 3, Bukoto Street. P.O. Box 27200, Kampala, Uganda.
Tel: (+256) 041 532844, Fax: (+256) 041 532834
E-mail: sfeastafrica@stromme.org / rdeastafrica@stromme.org

Website: www.stromme.org
About us:
Stromme Microfinance East Africa Limited (SMF EA Ltd) is a Microfinance wholesale lending
institution with operations in Uganda, Kenya, Tanzania and Sudan. It has its headquarters in
Kampala Uganda.
Vision:
Mission:
A world free from poverty

To provide, on a sustainable basis, market responsive financial services and
capacity building support to financial and business service providers to enhance
access to financial services by the enterprising poor in the East African region.
Values:
Challenging
: We place demands on the poor, our partners and especially on
Inclusive
: We meet all people with openness, respect and dignity
Result-focused
ourselves
: We monitor and measure the results of our work and make any
corrective adjustments when needed to achieve our objectives.
Products & Services:
We provide wholesale lending in terms of loans to established and upcoming MFIs,

SACCOS and CBOs at competitive terms.
We provide guarantees to large microfinance institutions which can be leveraged by

commercial banks.
We work with other financial organizations to provide syndicate loans.
On a selective basis, we make equity investments for some partners.
In collaboration with Stromme Foundation, we provide grants to our partners for

capacity building.
We provide Business Development Services to partners, in particular, in the area of
SECTION A - LIST OF TAMFI MEMBERS
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SECTION A
No
No
1
2
3
4
5
6
7
8
9
10
LIST OF TAMFI MEMBERS
14
15
16
17
18
19
20
21
N
ame o
Ins ttu
u o
n
on
Name
off Ins
Arusha Community Ini a ve Support Trust
African Microfinance
Be er Life for Tanzanians Trust Fund
CARITAS Dar es Salaam
CRDB Microfinance Services Company Ltd
Changamoto Life Preserva on Fund
Dar es Salaam Community Bank
Ecumenical Church Loan Fund Tanzania
Facilita on for Integrated Development and
Relief Services
Fanikiwa Microfinance Company
F&K
Founda on for Interna onal Community
Assistance Tanzania
First Micro insurance Agency
Global Associates
Jiajiri Microfinance
K-FINANCE
Mama Baha Foundation
Mbinga Community Bank
Mtoni Lutheran Church Saccos
Mufindi Community Bank
22
23
Mwanga Community Bank

Oiko Credit
24
25
Opportunity Interna onal Tanzania

Pastoral Ac vi es and Services for people
with AIDS Dar es Salaam Archdiocese
Presiden al Trust Fund
Promo on of Rural Ini a ve and
Development Enterprise
Rural Financial Services Program
Same Kaya Saccos
Small Enterprise Development Agency
Small Entrepreneurs Loans Facility Project
11
12
13
26
27
28
29
30
31
32
33
33
34
35
36
37
38
39
40
41
Small Industries Development Organiza on

Tanzania Womens Bank
Tujijenge Afrika
Tujijenge Microfinance Limited
Tujijenge Tanzania Limited
Tunakopesha
Umoja Saccos
Vicoba Microfinance Limited
Victoria Microfinance
Youth Self Employment Founda on
Women Entrepreneurship Development
Trust Fund
Ins tu on type
Service Provider
Microfinance Ins
Bank
Microfinance Ins
Microfinance Ins
Microfinance Ins
Microfinance Ins
Bank
Microfinance Ins
Microfinance Ins
tu on
tu
tu
tu
tu
on
on
on
on
tu on
tu on
Microfinance Ins tu on
Micro Insurance
Service Provider
Microfinance Ins
Microfinance Ins
Microfinance Ins
Bank
Microfinance Ins
Bank
tu on
tu on
tu on
tu on
Bank
Wholesale lending
Ins tu on
Service Providers
Microfinance Ins tu
Microfinance Ins tu
Wholesale lending
Ins tu on
Microfinance Ins tu
Bank
Service Provider
Microfinance Ins tu
Microfinance Ins tu
Microfinance Ins tu
Microfinance Ins tu
Microfinance Ins tu
Microfinance Ins tu
Microfinance Ins tu
on
on
on
on
on
on
on
on
on
on
SECTION B - MICROFINANCE INSTITUTIONS

Name of Institution
Address
P.O.BOX 35901, Dar es Salaam
Along University Road, Survey area
Contact person address
Main Service/Products offered

Target Clients/Client Type
Geographical Coverage
Address
AFRICAN MICROFINANCE LIMITED
Name of Institution

Tel +255 22 220 1270
REGINALD E. MASSAWE, CHAIRMAN and
EXECUTIVE OFFICER
E-mail: reginald.m@africanmicrofinance.co.tz
Business loans and Personal loans
Micro Businesses and SMEs owned by people who are

employed in the cooperate businesses
Dar es Salaam
BELITA
P.O.BOX 62626, DAR ES SALAAM
Mabibo Makuburi, Plot No 88
HELENA LUTEGE, MANAGING DIRECTOR
hnlutege@hotmail.com
+255 756 022 555

Working capital loans. Entrepreneur skills training
Micro-business women and men
Dar es Salaam and Coast Regions
10
P.O. Box 13378, ARUSHA TANZANIA TEL: +255-27-2504816 Fax: +255-27-250 7716 E Mail: acist@ars.bol.co.tz
Vision
policy. ACIST is a leader in SACCOS practical training and de-
To be a major, strong, sustainable and effective organization
velopment
Societies (SACCOS) and SACCO-like groups in Tanzania
Trainings
in capacity building of Savings and Credit Cooperative
Our Mission
To serve as an active and effective organization for

improvement of SACCOS and SACCO-like groups, involved in
alleviating poverty and improving the livelihood Security of

community we are serving.
ACIST Saccos training include:
Saccos formation
To establish Saccos within the framework of the legal requirements with potential for extensive outreach, sustainability with
wide resource base, good governance of committed Board and
Our objectives
v
To sensitize develop and up-grade general level of

Cooperative and entrepreneurship education to
SACCOS and SACCO-like groups.
To offer wholesale financial services supportive to

SACCOS and SACCO-like groups.
management.
To promote and to work in collaboration with all
Mem-
stakeholders involved in the development of all

SACCOS and SACCO-like groups
SACCOS
Main target of ACIST are Saccos and Sacco-like groups
bership Training in Cooperative Affairs
are economically, financially viable and sustainable. They offer
empowerment. Organizing, briefing and stimulating members
SACCOS are cooperative Microfinance Institutions (MFI) which
a wide range of financial, non-financial products and services
Increase membership effectiveness, capacity, self-reliance and
to in-
to a large segment of the community. They are registered and
volve
run by professional staff in a transparent manner.

Current Programme
ACIST promotes, train and extends supportive financial serv-
ices to SACCOS which are in Tanzania regarded to be Microfinance Institutions as indicated in the National Microfinance
11
themselves in Saccos activities.

African
African M
Microfinance
icrofinance Limited
Limited
Are you
you an emplo
yee?
Are
employee?
Are you
you an en
trepreneur?
Are
entrepreneur?
FFacing
acing financial challenges?
Reginald
Reginald Massawe,
Massawe, Chairman
Chairman and CEO
Cell:
Cell: 0767-210330
D
ear colleagues
colleagues and fr
iends,
Dear
friends,
W
elcome to
to African
African M
icrofinance Limit
ed (AML)
(AML) wher
e w
ontribute
e are
are commited
commited to
to ccontribute
Welcome
Microfinance
Limited
where
we
substan
tially tto
o impr
oved liv
elihoods in Africa.
Africa. A
we offer
offer personal and
substantially
improved
livelihoods
Att the momen
momentt we
business loans tto
o people who ar
e emplo
yed in private
private corporate
corporate organisations.
organisations. W
e highly
are
employed
We
enc
ourage such emplo
yees to
own small Businesses as they w
ork in the
to establish their own
encourage
employees
work
ccorporate
orporate world
world so that
that they can ultima
tely stop
stop minding other peoples
peoples business and
ultimately
persue their o
wn dreams.
dreams. Recently
Recently we
we have
have opened a DOOR for
for SMEs
SMEs especially schools
own
based in Dar es Slaam. IIn
n addition to
to loans
e also pr
ovide Business ccoaching
oaching on how
how to
to
loans,, w
we
provide
run a business en
trepreneurially. We
We strongly
strongly ur
ge you
you tto
o make it yyour
our business tto
o
entrepreneurially.
urge
suc
ceed in lif
e.
succeed
life.
Salary
Salary based loan rrequirements
equirements
Business / SMEs loan rrequirements

equirements
1 . Voters registration card

2 . Employment ID
3 . Passport size photo
4 . Three months salary slip
5 . Three months bank statement
6 . Collateral for loan above 500,000/=
7 . Letter from HR / Supervisor / colleague
8 . Non-refundable application fee
1 . Voters registration card

2 . Business license & TIN
3 . Passport size photo
4 . Letter from local government
5 . Three months bank statement
6 . Collateral
7 . Business and home visitation
8 . Post dated cheque
9 . Non-refundable application fee
IItt is our mission tto

o make useful contributions
contributions to
to our cust
customers
omers liv
lives
es
Fadhili
Fadhili George
George
Cell
C
ell 0752-973023
0713-973023
GGodwin
odwin Msumi
Cell
C
ell 0713-344544
0762-500181
Carolyn
Carolyn Lyimo
Lyimo
0717-309989
C
Cell
ell
0715-455502
12
T
Two
wo
Experienced
Exper
ienced
credit
officers
cr
edit offic
ers
wanted
wanted
Min 200,000/= Max 5,000,000/= Tenure 1-4 months
info@afr
o@africanmicrofinance.co.tz
E-mail: inf
info@africanmicrofinance.co.tz
Website: www
.africanmicrofinance.co.tz
Website:
www.africanmicrofinance.co.tz
TTel:el:
+255 22 2701270
Name of Institution
Address
CARITAS DAR ES SALAAM SAVINGS AND

P.O. Box 167 Dar es Salaam
ST. Joseph Cathedral, Kivukoni/ Mansfield Road
Tel: +255 784-648751
CHRISTIAN SHEMBILU, CARITAS DSM DIRECTOR

Mob: +255 713 426 057
GLADYS ONINGO, COORDINATOR

E-mail: dagilys77@yahoo.com
Individuals, Groups and Salary loans
Small groups, SACCOS, VICOBA and other MFIs
Dar es Salaam and Coast Region
13
Name of Institution
Address

Name of Institution
Address

ENTERPRISE FINANCE LTD.
Hapiness Business Centre, Sam Nujoma Road

Tel +255 22 2773041
JACQUELINE LUJUO, MANAGING DIRECTOR
jacquelinelujuo@yahoo.com
Individual and Group loans
Salary workers and Micro entrepreneurs

Dar es Salaam
ECLOF TANZANIA
P.O.BOX 1082, Arusha
YMCA Building, Sokoine Road
Tel +255 27 250 8222, Fax: + 255 27 250 8222
BARAKAEL E N LASEKO, EXECUTIVE DIRECTOR
benlaseko@yahoo.co.uk
benlaseko@ecloftz.org
Working capital loans
Micro Businesses
Arusha, Moshi, Usa River, Morogoro, Dodoma and Mbeya
14
15
CHANGAMOTO SOCIETY
ZANZIBAR
(NGO for Micro business in Zanzibar)
REGISTERED
By registrar of companies Zanzibar in 1997
INTRODUCTION
Changamoto Society is an NGO transformed from saving and
credit union which operated from 1992 to 1997.
As an NGO, Changamoto was officially registered by registrar

of companies Zanzibar on 17th September 1997 under Society
Act No. 6 of 1995. With registration No. 48
The idea behind this transformation was precipitated by two aspects.

i. To advance its services to interested non members of the
NGO.
Ii. To incorporate other income generating activities not legally

covered by saving and credit unions such providing credits for
establishing micro and medium scale business for non members.
VISION:
Poverty Free Society.
MISSION:
Changamoto is committed and dedicated to provision of credit,
consultancy services, encouragement of self employment that
yield to sustained income to the needy Zanzibar Community.
GOAL:
To assist, support and augment countrys efforts in poverty alleviation/reduction process through provision of micro-credit and
networking with other NGOs, Government, Corporate sectors
and Donors.
STATUS:
Changamoto is a membership organization which attracts members under specific terms and conditions.
Its capital is being generated from member contributions and
loans from funding organization. The fund is applied under three
main categories.
- Micro business program.
- Hire purchases activities
- Cash credits to members.
MEMBERSHIP
Any person residing in Zanzibar is eligible to be a member of
an organization. In order to be accepted as member, an interested person has to apply and be able to comply with the provisions of the NGO constitution.
TYPES OF BUSINESS
Through Various credit schemes provided, NGO encourages
the group members to engage in income generating activities.
Major emphasis is placed to youth and women groups intend

to establish different kind of business such as
Poultry, vegetable farming, Carpentry etc.
Under above mentioned activities, the group qualified for the
credit can obtain up to 5,000,000 at maximum for operating the
approved type of micro business.
Before a group receives credit it must be trained for a week.

Training is given immediately after approval of credit application. The training is purposefully provided to prepare the
group in visualizing the importance of given credit.
Its proper utilization
Methods of attaining business objectives.
Specifically the training is centered
on
proper
record keeping, business management, importance of loan
repayment etc.
LOAN REPAYMENT
Repayment of credit is done Monthly.
The maximum repayment credit period is eighteen months.
Service charge rate ranges from 8% to 20% depending on
type of credit granted.
ORGANIZATION:
The structure of Changamoto is formed by four main
organs:
(i.) The general meeting: it concern with the approval of
NGO policies and elect members of Executive
committee.
(ii) The Executive committee:
It supervises
the management to abide by approved
policies, procedures, appoints Chief Executive Officer and
approves the appointment of other employees.
(iii)Board of trustees:
It is responsible for deliberating Audited Account, guiding
on the proper utilization of NGO properties and involves in
all financial obligations of the NGO.
(iv) Management :
To execute Ngo policies under day to day basis.
RIGHT OF MEMBERS:
Every member of the NGO has the right to participate in
NGO affairs subject only to the provision of constitution and
societies Act.
SOURCE OF FUND:
Members contributions
Loans from funding organization
Fund raising activities
Special members arrangements
Sales of old equipments
Participation benefit.
FUTURE PLAN:
Establishment good relationship with government institutions, corporate sector, local and foreign organizations.
Strengthening of micro-business groups through training.
Increasing of loan portfolio and involving large part of Zanzibar Community
FOR MORE INFORMATION PLEASE CONTACT:
CHIEF EXECUTIVE OFFICER
CHANGAMOTO LPF
P. O Box 2782
TEL: 2230616
Email: changamotolpf@hotmail.com
ZANZIBAR
LOCATION:
NEAR ABASS HUSSEIN RESTAURANT, SAATENI STREET , URBAN

DISTRICT ZANZIBAR
GROUP TRAINING:
16
Name of Institution
Address
Name of Institution
Address
JUMUIYA YA CHANGAMOTO
P.O.BOX 2782, Zanzibar
Tel +255 2230616
KHAMIS MOHAMED AME, CHIEF EXECUTIVE OFFICER
kmohd@live.com
Working capital loans, Capacity building through trainings

and business advisory services
Small and Medium Enterprises
Zanzibar
FANIKIWA MICROFINANCE COMPANY LIMITED

Kinondoni (Opposite Biafra), Dunga Street

BAHATI MOSHA MAKENGO, MANAGER BRANCH
OPERATIONS
mosha.bahati@yahoo.com
SAMSON KATEMI, FINANCE AND ADMINISTRATION

Group, Individual, SMEs and agriculture loans

80% Women
Dar, Mwanza, Shinyanga, Arusha, Tanga, Kilimanjaro,
Morogoro, Zanzibar and Iringa

17
Name of Institution
FAIDERS
P.O.BOX 72, Biharamulo
Address
Tel +255 28 2225173, Fax: +255 28 2225001
CHRISTIAN BYAMUNGU, CHIEF EXECUTIVE OFFICER
byamungu467@yahoo.com

Working capital loans, services loans, skills training and
accounting support services.

Micro business, Women, Men, Employees, Farmers and
Secondary school students. All community in these
segments are organised in Savings and Credit Associations

(SACAs).Micro Businesses and SMEs owned by people who
Kagera and Geita Regions
CONTACTS
P.O BOX 72, Biharamulo - Tanzania
Tel: +255 28 2225173/ 2225085 Cell: +255 788 369136/ 765144629

Fax:+255 28 2225001/2225052 Email:info@faiders.org
18
Address
Name of Institution
F & K FINANCE
Sam Nujoma Road, Sinza A, Plot No SNZ SNA/10
EMMANUEL KASHUMBA
ka_71@yahoo.co.uk
mob: +255 767 210 330

FELISTER MACHANGE
Name of Institution
Address

Working Capital loans

SMEs
Kinondoni District, Dar es Salaam
FINCA Tanzania
P.O. BOX 78783, Dar es Salaam
Head Office, Plot No. 84, Morogoro Road, Magomeni-
Mwembechai area
TOM KOSCIS
tkoscis@fincatz.org
Microcredit loans
Entrepreneurs (Low income earners, group & Individual)

Countrywide (Rural and Urban)
19
Address
Name of Institution
HERI MICROFINANCE LTD
Tel +255 25 2802011
CASIANO L. KAEGELE, EXECUTIVE CHAIRMAN
mob: +255 754 533776
Training, Consultancy and Loans ( Individual and
Group), agriculture, mining, and construction loans
SMEs
Rukwa and Dar es Salaam
Name of Institution
Address

JIAJIRI MICROFINANCE
Plot 525, House No. 9, Mwananyamala

LUTHIGARDA NGOWI, MANAGING DIRECTOR
+255 788/754/653 483642
Loans and Supportive training

SMEs
Dar es Salaam
20
Address
Name of Institution
K-FINANCE LTD.
Sinza, Shekilango Road
Tel +255 22 2701194
DEVOTHA NTUKE MINZI, MANAGING DIRECTOR

dminzi@gmail.com
Working capital
Business micro and medium businesses, 80%

women
Dar es Salaam
K-Finance Ltd.
Micro Lending and Business Mentoring
P.O Box 19111, Dar es Salaam, Tel: +255 22 270 1194, Mob: +255 (0) 758916802; Email:info@kfinance.co.tz
COMPANYS PROFILE
K Finance Limited is a fast growing Microfinance Company with a new solution to small business growth. Through
market research, K Finance Limited established the fact that unlike the belief of most entrepreneurs and even
policy makers that the biggest problem to business growth is working capital, K-Finance established that working
capital is not the only problem, the lack of business skills and right mindset towards doing a successful business
could be a bigger problem.
With that in mind, K Finance has come up with a product that combines credit and business mentoring program.
Under K Finances mentoring program, clients are mentored towards entrepreneurial mindset, likewise they are
given simple business management skills.
neurs through Micro lending

21
1.
VISION
2.
MISSION
To see an enterprising Tanzania
To
support
Entrepre-
Name of Institution
Address
MBF
P.O.BOX 2463, Iringa
RETCO Building, Dodoma Road
mbf_iringa@yahoo.com
IMMACULATE N. MWAUNGULU
imwaungulu@gmail.com
imwaungulu@yahoo.com

Name of Institution
Address

Working capital loans and savings, business skills training

Petty, micro and small business operators
Iringa
Microfinance Credit Enterprise

Sinza Mori, Opposite GBP Petrol Station,
Shekilango Road
+255 22 2772690
Ernest Mbillinya, DIRECTOR

+255 754 455 666
Group Lending
Men and Women Microentrepreneurs

Dar es Salaam
22
Name of Institution
Address
MTAJI CREDIT FACILITY
Mabibo External,
mtajicrdt@yahoo.com
Tel +255 22 2451598
DAMAS MASSAWE, FOUNDER AND MANAGING
DIRECTOR
munaoruwa2000@yahoo.com
Working
capital
microfinance

loans,
consulting,
business
product
linkage (PML) i.e solar power leasing
skills
marketing
Micro-business; women , men and employees
Dar es Salaam and Coast regions
23
training,
and
By being a bridge, we mean a rapidly growing
company committed to transforming small
enterprises who are also low income people in
Tanzania into high performing sustainable
MTAJI CREDIT FACILITY LTD (MCF)
businesses with ability to invest in poverty
ORGANIZATION PROFILE
reduction. Through this commitment, MCF Ltd will
CAPACITY TO UNDERTAKE ASSIGNMENTS
develop and strengthen ability of poor to serve
INTRODUCTION
their business and promoting an efficient and sustainable business in the country. The
MTAJI is a company limited by guarantee non-
organization facilitates development of the SME
profit making providing technical training
services
in
the
areas
of
sector through.
micro-finance,
entrepreneurship and business management,
small business start up and development,
monitoring and evaluation and capacity building
Affordable credit delivery
Providing technical support services to

MSEs through training in entrepreneur
for microfinance institutions. MTAJI also has
ship, business development, program
capacity to organize and facilitate tailor-made
monitoring and evaluation and advisory
courses, conferences and workshops on request
by clients. The organization was incorporated as
a NGO in Tanzania in March 2005. Since then
MTAJI has built a reputable image in its areas of
specialization as illustrated below
MISSION STATEMENT
services.
Conducting studies and providing informa
tion on key issues on MSE sector develop

ment in the country and worldwide.
Influencing policy at all levels
Product marketing and linkage
The mission of MTAJI is to serve the Small and
MTAJI CORPORATE VALUES
urban Tanzania. Drawing strength from its
People make the difference. It is important that
Micro-enterprise (SMEs) sector in rural and
we:-
international exposure, resources and experi-
ence, MTAJI promotes innovative solutions and
advocates for the development of SME sector in
We will always treat our customer with
respect and dignity, in recognition that all
Tanzania. In everything that we do under MCF
people need financial services to enable
underprivileged and opportunities for the active
development in society.
their
Ltd, we seek to be a bridge between the
poor in accessing financial services and income

generation in our
physical,
mental
and
spiritual
We will maintain our integrity and financial
viability as a business, yet be responsive to

individual and community needs for credit
society.
24
and savings.
We will treat our staff and corporate part
We will encourage self- reliant community
We will mobilize saving for- on lending
ners with equal respect and dignity, in
recognition our interdependence and
shared values.
improve their financials security and finan
cial management skills
fore enable people to feel responsible for,
and a part of, their communitys economic
economic development enabling client to
within our areas of operations, and there
development
Quality is essential
This requires that we:-
Define quality as performing up to the cus
tomers expectations and then doing more
Taking pride in all the products and services
we provide
Make quality of products and services the
responsibility of every employee
Excellence
This demands that we:-
Address
Name of Institution
MTONI LUTHERAN CHURCH SACCOS

Mtoni=Mtongani Lutheran Church

AMULIKE S K NGELIAMA,CHAIRMAN
amulikeskn@yahoo.com
mob +255 754 299579
NASEMBA MGONJA, MANAGER

Savings, working capital loans and consumer loans

Microbusiness, SMEs, Women, Men & Women, EmDar es Salaam
25
Mtoni Lutheran Church Savings and Credit Cooperative Society Limited (MLUC SACCOS LTD) is a legal
operating entity established by Section 30 of the Cooperative Societies Act, No.15 of 1991, with registration
No. DSR.509 of 21st February, 1995. It is located at Mtoni Ward, Temeke Municipal Council, and Dar es
Salaam.
The main objective of MLUC SACCOS LTD is to improve the livelihood of its members by doing the following:-
Encouraging members to deposit savings
Training members on entrepreneurship and small business management
Promoting the culture of taking loans among members
Seeking and investing in income generating activities such as hostels, farms, schools, etc.
Assisting members on buying shares from Dar es Salaam Stock Exchange (DSE) listed
Doing any other business that promotes the welfare of members such as establishing MLUC
companies
SACCOS LTD Pension Fund.
MLUC SACCOS LTD as a microfinance institution has the basic aim of issuing loans/credit to members
where it offers loans to individuals, groups and member institutions. During the year 2010 the SACCOS
has offered loans within the range of two hundreds thousands to four hundred million Tanzanian Shillings
(200,000/= to 400,000,000/=).Total assets by 31st December, 2009 were Tsh. 2,757,961,247/=. Total
members of MLUC SACCOS LTD by 31st December, 2010 were 2923.Through this SACCOS member
enjoys abundant development opportunities including the following:
Own assets such land, houses, cars.
Get access to entrepreneurship education, small business cash management and other training
and development seminars.
Savings for sustainable development.
Get loans for business undertakings, construction and other development activities.
Shares investment opportunities generated by the SACCOS.
Get dividends from profit earned in each financial year.
26
Name of Institution
Address

OPPORTUNITY INTERNATIONAL TANZANIA

PLOT No. 320, Regent Estate, Mikocheni
+255 22 2772413 and +255 785 666685
STANLEY TSIKIRAYI, CHIEF EXECUTIVE OFFICER

stsikirayi@opportunity.net
R NATHAN
rnathan@opportunity.net
Group loans and Micro insurance

Micro entrepreneurs
Dar, Arusha, Moshi, Tengeru, Himo
Je wahitaji mkopo wa biashara?
Tunajali
Tunasikiliza
Tunabadili
Maisha
Huduma bora, Mikopo
ya haraka, yenye tija
na masharti nafuu
Wasiliana nasi au tembelea matawi yetu yaliyopo Ilala, Arusha, Tengeru, Moshi, na Himo
Makao Makuu; Plot No. 320, Regent Estate, Mikocheni
P.O.Box 80244, Dar es salaam, Tanzania
Tel: +255 22 2772413, Fax: +255 22 2772411
email: enquiries@opportunity.co.tz web: www.opportunity.co.tz
27
Name of Institution
Address
PASADA
Temeke Street, adjacent to Changombe Police Station
Tel +255 22 2865451, Fax +255 22 2866618

MARY ASH, EXECUTIVE DIRECTOR
SIMON YOHANA, PROJECT COMPLIANCE MANAGER

Name of Institution
Address

Business loans and Client savings

MFI Clients with emphasis to People living with HIV/AIDS
Dar es Salaam and Coast Regions
PRIDE
AICC, 420 Ngorongoro Wing
Tel +255 27 250 2945/7638
JAMES OBAMA, MANAGING DIRECTOR-NGO
jobama@pride-tz.org
Micro credit for working capital, wholesale loans to rural

based SACCOS, agribusiness value chain financing,
agricultural loans, housing loans to rural clients, micro leasTarget Clients/Client Type
Small and micro entrepreneurs in both urban and rural

areas, low income farmers, agribusiness value chain
actors, rural based SACCOS
Countrywide covering all regions and a number of districts

in both Tanzania mainland and the Isles.
28
Name of Institution
Address

SAME KAYA SACCOS

P.O.BOX 271, Same.
Tel +255 754 394 916

SAMWEL NYIRU, MANAGER
mob: +255 754 531 249
Savings and working capital loans
Farmers, micro and small business communities
Same District
29
Name of Institution
Address

Name of Institution
Address

SEF Microfinance Ltd
Tel : +255 22 28590097
Fax: +255 22 28550972

Salehe Chanzi, Programme Manager
Email: chanzi2003@yahoo.com
Skills training on business and enterprises development for

Village Community Banks and Farmers Association practiTanzania - countrywide
SEDA
JOYCE E TEMU, DEPUTY CHIEF EXECUTIVE OFFICER
Working capital loans
Women
Arusha, Kilimanjaro, Tanga, Dodoma, Morogoro, Dare s
Salaam, Mwanza, Shinyanga, Nzega
30
Name of Institution
Address
MIKE LAISER, DIRECTOR GENERAL
Tel +255 22 2151948
SIDO
Financial Services; Technology development and technical

services; Training and Extension Services; and Marketing
Development, improvement and strengthening of business
capacities of start ups, existing, micro, small and medium

enterprises.
All regions of Tanzania Mainland.
SMALL INDUSTRIES
DEVELEPMENT
ORGANISATION
DEVELEPMENT OR
GANISATION
GANISA
TION
Small Industries
Industries Development
Development Organisation
Organisation (SIDO)
(SIDO) was
was established in 1973, with main objective
objective of
suppor
ting small and medium en
terprises in both rural
rural and urban
urban area.
area.
supporting
enterprises
SIDO mission is to
to create
create and sustain an indigenous entrepreneurial
entrepreneurial base through
through the pr
omotion and support
support
promotion
micro
byy pr
providing
of the development
development of private
private micr
o and small enterprises
enterprises b
oviding business development
development services
services on
demand.. Priority
sector
demand
Priority is given
given to
to the productive
productive economic
economic sec
tor that
that contribute
contribute to
to wealth
wealth creation.
creation.
SIDO ffocuses
ocuses in supp
supporting
orting SMEs
SMEs through
through pr
provision
ovision of
the follo
ffollowing
ollowing arrays
arrays of Services:
Services:
1.
TTechnology
echnology and products
products D
evelopment
Development
2.
Business D
evelopment and Ex
tension SServices
ervices
Development
Extension
Marketing
3.
M
arketing and Information
Information
3.
FFinancial
inancial services.
services.
clients
SIDO clien
ts are:are:Micro,
Micro, small and medium enterprises
enterprises
Prospective
Prospective Entrepreneurs
Entrepreneurs
Non-Government
Non-Government Organisation
Organisation (NGOs) that
that support
support SMEs
SME suppor
supportt institutions
-
31
Name of Institution
Address
TUJIJENGE MICROFINANCE LIMITED

Millenium Business Park, Office A.18, Ubungo area

Tel +255 22 2401508

Fax +255 22 2401509

JIMMY MAKUGIRA, MANAGING DIRECTOR
jimmym@tujijenge.org and jmakugira@yahoo.com

SMEs, men, women, youths, employees and farmers
Development, improvement and strengthening of business
capacities of start ups, existing, micro, small and medium

enterprises.
Name of Institution
Address

Dar es Salaam and Kyela
TUJIJENGE TANZANIA LIMITED

Block 46, Plot 16, Ali Hassan Mwinyi Road, Makumbusho
area
Tel +255 22 2774741-3

SHAFI NAMBOBI, MANAGING DIRECTOR
shafin@tujijenge.org
Working capital loans and money transfer ( m-pesa)

Micro Businesses, SMEs, women, men, employees, farmers,
SACCOS and VICOBA
Dar es Salaam, Musoma, Magu, Bunda and Mwanza.
32
TUJIJENGE MICR
MICROFINANCE
OFINANCE LTD
LTD
TMF
Improving lives through microfinance

COMPANY PROFILE
REGISTRATION:
LEGAL STATUS:
TIN NO:
HEAD OFFICE:
APRIL 2008 REG NO. 65142

COMPANY LIMITED BY SHARES
106-86
3-865
106-863-865
MILLENIUM BUSINESS PARK,
OFFICE NUMBER A. 18
UBUN
GO
UBUNGO
P.O.BOX
POSTAL ADDRESS: P.O.BO
X 42114 22320
ES
DAR E
S SALAAM
EMAIL ADDRESS: tmf@tujijenge.org
tmf@tujijenge.org
Mission:
low
is To improve the quality of lives of lo
w income earning families in Tanzania
through
with the provision of microfinance thr
ough a sustainable institution.
Vision:
microfinance
Is To be a recognized leader in micro
finance creating a world where (all) people in
services
Tanzania have access to financial serv
ices

Core value:
are,,
Tujijenge Microfinance core values are

3URPRWHUHVSHFWIRUKXPDQLW\
3
URPRWHUHVSHFWIRUKXPDQLW\
,,QWHJULW\
QWHJULW\

7HDPZRUN
7
HDPZRUN
VVXVWDLQDELOLW\
XVWDLQDELOLW\

PRODUCTS:

6DODU\ORDQ
6
DODU\ORDQ

&UHGLWFRXQFLOV)DUPHUVSURGXFW
&
UHGLWFRXQFLOV)DUPHUVSURGXFW

5HQHZDEOHHQHUJ\
5
HQHZDEOHHQHUJ\

BRANCHES:
Currently TMF has two branches

'DUHVVDODDP%UDQFK
'
DUHVVDODDP%UDQFK

.\HOD%UDQFK
.
\HOD%UDQFK
Improving lives through microfin

microfinance
ance
33
Head Office, Tujijenge House, New Bagamoyo Road, P.O. Box 22320, Dar es Salaam. Tel: +255 22
2774742/3, 0784 232 455/ 0783 333 170/ 0713 317 863/ 0682 919 600. Mwanza Branch: 0784 846 745, Mara
Branch: 0784 984 030. E-mail:tujijengetanzania@tujijenge.org. http://www.tujijengeafrika.org
TUJIJENGE TANZANIA LIMITED

Tujijenge Tanzania offers business loans that are affordable to all Tanzanian entrepreneurs. The loans are
aimed at empowering entrepreneurs 100% economically while ensuring that their livelihood is improved.
That is why Tujijenge is striving to be a customer focused, caring financial services provider, serving
both micro and small entrepreneurs through Group Business Loans, Individual Loans, Motisha Loans and
AAR Health Insurance Loans
SOLAR LOANS
GROUP BUSINESS LOANS
MOTISHA LOANS
INDIVIDUAL BUSINESS LOANS
MOBILE TRANSACTIONS
AAR MEDICAL INSURANCE LOAN
34
Name of Institution
Address

Name of Institution
Address
TUNAKOPESHA LIMITED
Plot 742, Block 80, Mathuradas/Mindu Street, Upanga
Tel +255 22 2150442 and 2153496
AMIT PANDEY, MANAGER INFORMATION SYSTEMS.

Small loans
Women engaged in petty business
Dar es Salaam
UMOJA SACCOS
P.O.BOX 104, Sanya Juu
Magadini area, Sanya Juu
Tel +255 713 569373
LOVENESS KIMARO, INTERNAL CONTROLLER
mob: +255
Savings and Loans
Micro entrepreneurs and SMEs
Siha District
35
Name of Institution
Address

Name of Institution
Address

VICOBA MICROFINANCE LIMITED
Kijitonyama, Mpakani B Street
Tel +255 754 764037 and +255 713 816300
HERBERT NKINGA, EXECUTIVE OFFICER
herbertnkinga@yahoo.com
Whole lending to regional VICOBA microfinance
Individuals and Entrepreneurs with small income generating

activities
Various regions within the country
VICTORIA MICROFINANCE LTD.

Lumumba Pemba Street Plot 12 Block 71, 1st Floor
Tel +255 22 2180510
WILBARD MAKISHE, CHIEF EXECUTIVE OFFICER
wmakishe@yahoo.co.uk
Individual business loans and salary loans

Dar es Salaam
36
Name of Institution
Address

Name of Institution
Address

WEDAC LTD
P.O.Box 156, MONDULI, ARUSHA
Sinoni Street
Tel. +255-27-2538074
Wiston Israel Mwombeki, General Manager
Cel. +255-763 449736
Individual loans and group loans to small entrepreneurs

Small entrepreneurs mainly rural women
Some districts in Arusha and Manyara regions
YOSEFO
Kidongo Chekundu, Mkunazini Building
Tel +255 22 2180914
ALTEMIUS MILLINGA
amillinga@yosefo.org
mob: +255 754 376122
Business loans, Agricultural Microfinance loans, and money
transfer through M-pesa and Tigo Pesa

Micro entrepreneurs in rural and urban areas, youth and
women
Dar es Salaam, Kilombero District, Kilosa District, Ulanga
District, Kilwa District, Muheza District Rufiji District and

Zanzibar
37
Using technology to reach the un-banked
Name of Institution
Address

WEDTF
P.O.BOX 2299, Zanzibar
Tel +255 24 2231096 and +255 24 854248
Email: wedtf@zitec.org
ALAMA H JUMBE , EXECUTIVE OFFICER
wedtf@zitec.org
Working capital loans, capacity building through training

Women entrepreneurs
Zanzibar
38
SECTION C - BANKS
Name of Institution
Address

ACB
Amani Place, 3rd Floor, Ohio Street
Tel +255 22 2118344
Fax +255 22 2114173

SULEIMAN SAID, MANAGER, GROUP LOANS
1) Savings Products:
- Savings Bomba Account
- Current Account
- Fixed Deposit Account
- Zawadi Junior Account

- Biashara Account
- Elimu Account
(2) Loan Products:
- Solidarity Group Loans

- Biashara Loans
- Home Improvement Loans
- ACB Umeme Loans

- Corporate Loans
- Overdraft Facilities
- Salary Loans
Micro businesses ( Solidarity Group Loans)
-Small and Medium Enterprises (Biashara Loans)

-Home Improvement Loans.
Dar es Salaam, Arusha and Moshi
39
Name of Institution
Address
DCB
Magomeni Mwembe Chai, Morogoro Road

Tel +255 22 2172200
Fax +255 22 2172199

EDMUND MKWAWA, MANAGING DIRECTOR
Edmund.mkwawa@dcb.co.tz
and eddymkwawa@yahoo.com
Banking and Small and Medium loans

Dar es Salaam
40
Ni mikopo kwa ajili ya mitaji endelevu ya biashara, mikopo hii

inawasaidia wafanyabiashara kukidhi mahitaji mbalimbali ya
uendeshaji biashara kama vile ununuzi wa malighafi, zana nk.
WALENGWA WA BIASHARA LOANS
Wajasiriamali wanaoendesha biashara za aina zote kuanzia biashara ndogo ndogo hadi
kubwa.
MANUFAA YA BIASHARA LOANS
s Gharama nafuu za mkopo
s Unapata fursa ya kupanua na kukuza biashara yako
s Viwango na vipindi mbalimbali vya marejesho
s Fursa ya kupata huduma za kibenki kama kuchukua fedha kwenye mtandao wa ATMs za
Umoja masaa 24, siku saba za wiki,
Urahisi wa kupata mkopo kwa muda mfupi
Fursa ya kupata ushauri na utaalamu wa kibiashara
Muda mfupi wa kupata mkopo
s
s
s
VIGEZO VYA KUPATA MKOPO

s Mwombaji lazima awe na umri wa miaka 18 na kuendelea
s Biashara inayoombewa mkopo iwe imekua hai kuanzia mwaka mmoja na kuendelea
s Leseni ya kuendesha Biashara
s Biashara isiyohamishika
s Kufungua akaunti benki ya AKIBA
s Dhamana kwa ajili ya kudhaminisha mkopo; mali mbali mbali kama vile vifaa vya
nyumbani, nyumba na magari
Mkopaji anaweza vile vile kutumia amana za muda maalumu kama dhamana ya
mkopo wake
Makao makuu
Amani Place, Mtaa wa Ohio,
P.O.Box 669, Dar es Salaam
Simu +255 222118340/3,
Nukushi +255 22 2114173
Barua pepe: info@acbtz.com
Tovuti: www.acbtz.com
Mwombaji mwenye historia nzuri ya ulipaji mikopo kutoka ACB au benki nyingine
atapewa kipaumbele.
Masharti ya uendeshaji kuzingatiwa
Kwa maelezo zaidi tembelea tawi la ACB lililo karibu
nawe au piga simu namba 2118340-43
Benki kwa maendelo yako
Benki kwa maendelo yako
www.acbtz.com
41
42
Name of Institution
Address

Name of Institution
Address

MuCoBa
P.O.BOX 147, Mafinga
Market Street, Mafinga
Tel +255 26 2772165
DANNY MPOGOLE, GENERAL MANAGER
dannympogole@yahoo.co.uk
Savings, Current Accounts, Loans and Overdrafts,
Guarantees, Money transfers, Insurance,
Business men
Farmers
SACCOS
Mufindi ( Iringa) and some parts of Mbarali ( Mbeya)
MWANGA COMMUNITY BANK

P.O.BOX 333, Mwanga
NSSF Building, Bomani/ Usangi-Ugweno Road

Tel +255 27 2757830
Email: info@mwangabank.co.tz and

ABBY GHUHIA, MANAGING DIRECTOR
ayghuhia@mwanagabank.co.tz
Savings, Current Accounts, Loans and Overdrafts,
Guarantees, Money transfers, Insurance,
Micro business/micro enterprises, SME, Employees, Farmers, SACCOS, VSLS, Groups for men and women
Kilimanjaro Region
43
e)
INTRODUCTION
Mwanga Community Bank Limited (MRCB)
popularly known as Benki ya Wananchi Mwanga
opened its doors to the public in year 2000 after
obtained its license from BOT as a Regional Unit
Financial Institution.
MRCB MISSION VISION
MRCB mission is To mobilize resources and
empower economically the poor community which
identifies itself with the bank as customers through
financial intermediation by providing valuable and
efficient banking and related services to support and
strengthen their own development.
MRCB VISION
The vision of MRCB is To be a leading and preferred
Community bank in the country, providing
microfinance and commercial banking services with
products highly competitive in the market to achieve
sustainable growth
SERVICES PROVIDED BY MCBL
1.
Sales of shares
Shares are sold at our counter. Per value of a
share is TZS 50/-. Minimum number of shares
one can purchase is 100 equivalent to TZS
5,000/2.
Savings
and
Deposits
Products
Savings and Deposits products enable the
customer to save his money for future use
and withdrawal any time during working hours
or through ATM. The accounts for the
products are as follows:
a)
Fixed Deposit Account
This is a fixed amount deposited for
a fixed period of 3 to 12 months and
minimum deposit is TZS 500,000/-.
Interest rates applicable depend on
amount deposited and period thereof.
b)
HekimaAccount
This account is for fixed amount de
posited for a fixed period from 2
years to 5 years with interest rates
pegged to Government Treasury
Bonds. Accrued interest is paid
monthly. It is very convenient for pen
sioners.
c)
Normal Saving Accounts
This product allows customers to
save and withdraw once a day. In
terest rate is 3% per annum on min
imum balance of TZS 50,000/d)
Junior Account for children below
18 years
3.
This account facilitates parents to save

money for the future education develop
ment of their children.
Faidika Account
Faidika is a special account which provide
benefit of high interest rate offered to cus
tomers according to amount deposited with
minimum balance of TZS 500,000/-
Foreign
Exchange
saving
account
This is a normal savings account with balance de
nominated in USD or Euro.
OTHER SERVICES
1.
Money Transfers in and outside the country.
Through our bank a customer may transfer funds
within and outside the country by using both
conventional bank money transfer methods or by
using Western Union Money Transfer.
2.
Bureau de change services
Customers may exchange foreign currency into
TZS or buyer foreign currency for various purposes
as per foreign exchange regulations.
3.
Automated Teller Machine (ATM)
ATM services are available to our customers and
non customers. With MCBL Visa cards our cus
tomers are able to withdrawal cash from more than
10 banks ATMs country.
4.
LENDING
MCBL provides loans to customers for different
purposes as follows:
a)
Loans to employees
MCB provides salaries based loans to em
ployees for consumption.
b)
Loans to business community
We provide loans and overdrafts to busi
ness community for working capital.
c)
Loans
to
service
providers
MCBL provides loans to service providers
like private hospital, private schools etc.
d)
Group Loans
We also provide loans to members of
groups three times their balance in a
savings account.
e)
Bank Guarantee
We provide guarantee services to our
business community for various contracts.
OUR SERVICES ARE FAST, COURTERSY, PRECISE AND

EFFICIENT. PLEASE VISIT OUR BANK FOR MORE
DETAILS.
44
Name of Institution
Address
TWB
P.O. BOX 72604,
Old Post Office Bldg,
Mkwepu Street,
Dar es Salaam.
Tel No +255 22 2137581/83
MARGARETH M CHACHA, MANAGING DIRECTOR

TA
T
A N Z A N I A WO
W O M E N S B A N K LT
LT D
Business loans, Personal loans, Salary loans, Group Loans,

Savings Account, Deposit Accounts, Fund Transfers
Micro businesses, and SMEs especially women
entrepreneurs
Dar es Salaam
Old Post Office Building Mkwepu Street. P.O.Box 72604, Dar es Salaam, Tanzania.
Tel: (+255) 22 2137581/3, Fax: (+255) 222137580
E-mail :info@womensbank.co.tz
Website: www.womensbank.co.tz
ABOUT TWB:
TWB:
Tanzania
Act
No.202
Tanzania Womens
Womens Bank Limited
Limited is a corporate
corporate body established under the Company
Company A
ct No
.202 and issued
with a Certificate
licensed
Certificate of incorporation
incorporation No.
No. 59271 dated
dated 13th February
February 2007. TWB
T WB was
was subsequently
subsequently lic
ensed by
by
the Bank of Tanzania
Tanzania tto
o conduct
conduct banking
banking business and granted
granted banking
banking licence
licence No.NBA
No.NBA 00018.
The
own
The establishment
establishment of the bank is a result
result of womens
womens initiative
initiative to
to have
have their o
wn bank.
bank. Its
Its shareholding
shareholding
structure
structure comprises
comprises 97% Government
Government and 3% private
private and individuals.
individuals.
VISION:
The
The vision of Tanzania
Tanzania Womens
Womens Bank is To
To be the lead bank for
for women
women in Tanzania
Tanzania
MISSION:
The
women
The Mission
Mission of the bank is To
To promote
promote economic
economic and social well
well being of Tanzanians,
Tanzanians, especially w
omen
through
through the provision
provision of efficient
efficient and effective
effective banking
effec
banking services
services
PRODUCTS
PRODUCTS & SERVICES:
SERVICES:
The
The bank have
have a wide range
range of products
products and services
services as outlined below:
below:
tt
.JDSP&OUFSQSJTFT
.
JDSP&OUFSQSJTFT
tt
44NBMM&OUFSQSJTFT
NBMM&OUFSQSJTFT
tt
$
PSQPSBUF#BOLJOH
$PSQPSBUF#BOLJOH
tt
**OTUJUVUJPOBM#BOLJOH
OTUJUVUJPOBM#BOLJOH
45
SECTION D - WHOSALE LENDING INSTITUTIONS

Name of Institution
Address

Name of Institution
Address

CRDB Microfinance Services

CRDB Bank House, Mikocheni Industrial Area
Tel +255 22 2923000/1
Fax +255 22 2923002

SEBASTIAN MASAKI, GENERAL MANAGER
smasaki@crdbbank.com
mob: +255 784 700211
Wholesale Microfinance Products and Services
Saccos, Community Banks and Financial NGOs
Tanzania (Main land and Isles)
OIKO CREDIT
Millenium Towers, 1st Floor, Kijitonyama area

Tel +255 22 2700518
Fax +255 22 2700528

SEBASTIAN MASAKI, GENERAL MANAGER
smasaki@crdbbank.com
mob: +255 784 700211
Credit, equity and Technical Support
Cooperatives, Community banks, Financial institutions and
SMEs
World-wide basically in developing countries
46
I:
GENERAL INFORMATION ABOUT OUR ORGANIZATION:
t 0JLPDSFEJUJTBMFOEJOHJOTUJUVUJPOUIBUFYUFOETMPBOT HVBSBOUFFTBOEPUIFSUZQFPGOBODJOHUP

QSPKFDUTUIBUDSFBUFKPCTBOEJODPNFGPSHSPVQTPGEJTBEWBOUBHFEQFPQMF NPTUMZJOEFWFMPQJOH

DPVOUSJFT
t 0JLPDSFEJUOBODFTSTUBOEGPSFNPTUDPPQFSBUJWFTBOEOBODFJOTUJUVUJPOTJODMVEJOHMPDBMBOE

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t 0VSJOUFSFTUSBUFTBSFFYJCMFCBTFEPOQSPKFDUSJTL NBSLFUSBUFTBOETPDJBMSFMFWBODFPGUIFQSPKFDU
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t 5IFNJOJNVNBNPVOUGPSBMPBOJT&VSP PSFRVJWBMFOUJOMPDBMDVSSFODZ UIFNBYJNVNBNPVOU
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II.

OTHER INFORMATION
Mission and Values

*OBMMXFEP 0JLPDSFEJUJTHVJEFECZUIFQSJODJQMFPGFNQPXFSJOHQFPQMF0VSFYQFSJFODFQSPWFTUIBUUIFNPTUFFDUJWF
BOETVTUBJOBCMFNFBOTPGBTTJTUJOHUIPTFJOOFFEJTQSPWJEJOHUIFPQQPSUVOJUZUPIFMQUIFNTFMWFT
OUR MISSION
0JLPDSFEJU BTBXPSMEXJEFDPPQFSBUJWFTPDJFUZ QSPNPUFTHMPCBMKVTUJDFCZDIBMMFOHJOHQFPQMF DIVSDIFTBOEPUIFSTUP
TIBSFUIFJSSFTPVSDFTUISPVHITPDJBMMZSFTQPOTJCMFJOWFTUNFOUTBOECZFNQPXFSJOHEJTBEWBOUBHFEQFPQMFXJUIDSFEJU
OUR VALUES
People
"MMQFPQMFBSFDSFBUFEFRVBM0JLPDSFEJUUIVTFYUFOETDSFEJUUPNBSHJOBMJ[FEQFPQMFJSSFTQFDUJWFPGUIFJSGBJUI DVMUVSF
BHFPSHFOEFSBOEGBWPSTUIFJOJUJBUJWFTPGXPNFO BTUIFZBSFUIFCBDLCPOFPGUIFJSGBNJMJFTBOEUIVTTPDJFUZBTB
XIPMF
Sharing
"OVOFWFOEJTUSJCVUJPOPGSFTPVSDFT XFBMUIBOEQPXFSMFBETUPBXPSMEPGDPOJDU8IFOQFPQMFJOUIF/PSUI 4PVUI
&BTUBOE8FTUBSFQSFQBSFEUPTIBSFXIBUUIFZIBWF SFTQFDUFBDIPUIFSBOEDPPQFSBUFUPHFUIFS KVTUJDFBOEQFBDFDBO
SVMFJOUIFXPSME0JLPDSFEJUQSPWJEFTBNFDIBOJTNGPSNFBOJOHGVMTIBSJOH
Ecumenical spirit
"SPVOEUIFXPSMEQFPQMFPGGBJUIBSFXJMMJOHUPTIBSFUIFJSSFTPVSDFT0JLPDSFEJUGPSNTQBSUPGUIBUXPSMEXJEFDPBMJUJPO
PGTPMJEBSJUZ
Grassroots
%FWFMPQNFOUJTNPTUFFDUJWFXIFOJUTUFNTGSPNUIFHSBTTSPPUT*OUIFDPPQFSBUJWFDVMUVSFPG0JLPDSFEJU QFPQMFhT
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Integrity
3FTQFDUCFUXFFOQFPQMFJNQMJFTIPOFTUZBOEUSVUIGVMOFTT0JLPDSFEJUhTEFUFSNJOBUJPOJTUPMJTUFOXJUIBOPQFONJOE
BOEDPNNVOJDBUFJOGVMMUSBOTQBSFODZPOBMMQBSBNFUFSTPGJUTPXOQPMJDJFT"DPEFPGDPOEVDUGPSUIPTFXIPEFUFSNJOF
UIF0JLPDSFEJUDPVSTFJTQBSUBOEQBSDFMPGUIJTQSJODJQMF
Creation
"XIPMFTPNFFDPTZTUFNJTUIFCBTJTGPSMJGF"OJNBMT TQFDJFTBOECJPEJWFSTJUZTIPVMEUIVTCFQSFTFSWFE0JLPDSFEJU
CFMJFWFTUIBUBIFBMUIZCBMBODFJOOBUVSFDBOPOMZCFBDIJFWFEJOBXPSMEXIFSFSFTPVSDFTBOEQPXFSBSFFWFOMZTQSFBE
47
Name of Institution
Address
SELF PROJECT
Ohio Street, Maarifa House, 1st Floor
Tel +255 22 2135321
Fax +255 22 2135323

ABIAH N KAAYA, PROJECT MANAGER
abiah.kaaya@yahoo.co.uk
Whole sale lending to MFIs
Microfinance Institutions (MFIs) such as SACCOS, Finan-
Name of Institution
Address
cial NGOs that are engaged in micro financial services,

Tanzania (Mainland and Zanzibar)
RFSP
P.O.BOX 1982, Mbeya
Mwanjelwa area
Tel +255 2504067
ATTILIO T MOHELE, PROGRAM COORDINATOR
attiliomohele@yahoo.com
Capacity building and Consultancy on Microfinance
Grassroots MFIs and TDPs and BDSs
Tanzania, Nationwide
48
49
SECTION E - SERVICE PROVIDERS

Name of Institution
Address
ACIST
P.O.BOX 13378, ARUSHA
Sanawari area, along Arusha-Moshi Road

Tel +255 27 2504816

Name of Institution
Address
Fax +255 27 2507716
JACOB MHINA, MANAGER
jemhina@hotmail.com
Capacity building through training and whole sale

Microfinance institutions including SACCOS and
SACCOS like groups.
Monduli and Babati districts

GLOBAL ASSOCIATES
House NO. 280 MKJ, Keko Juu, Temeke
Tel +255 22 2851173
Fax +255 22 2850972

Email: info@global.co.tz
JOEL MWAKITALU, MANAGING DIRECTOR
joelmwakitalu@yahoo.com
mob: +255 784 657718

Consulting and skills training in microfinance lending method-
ologies, accounting, financial reporting, Institutional management practices and strategic planning.
Microfinance Institutions, SACCOS, Small and Medium En-
terprises
Tanzania and East Africa
50
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51
45
1 2
SECTION F - MICROINSURANCE
Name of Institution
Address

Name of Institution
Address

TUJIJENGE AFRIKA
Tujijenge House, PLOT 17, Ali Hassan Mwinyi Road,

Makumbusho area
FELISTAS COUTINHO, EXECUTIVE DIRECTOR
felistasc@tujijenge.org
Institutional assessments, Product development, Market re-
search and Human resource development.

Microfinance Institutions
Africa-English/Swahili speaking countries
FMiA
Samora Avenue, Harbour View Towers, 3rd Floor

Tel +255 22 2137893
Fax +255 22 213 7895

WILSON MNZAVA, PROGRAM MANAGER
wilson.mnzava@akdn.org
mob: +255 773 099977

Micro-insurance services i.e. credit life insurance, cash insur-
ance, livestock insurance, warehousing receipt insurance and

savings insurance.
Microfinance Institutions, SACCOS, VICOBA, Community
Banks, Banks and Apex bodies.

Tanzania - Nation wide
52
53
Mtoni Lutheran Church SACCOS
Changamoto Life Preseon Fund
VICTORIA Finance
Small Industries Development Organison (SIDO)
Tanzania Vicoba Micronance Limited
African Micronance
Tujijenge Micronance Limited
BELITA
FINCA Tanzania
K - Finance
Youth Self Employment Foundaon (YOSEFO)
12
13
14
15
16
17
18
19
20
21
22
Total
Presidenal Trust Fund (PTF)
11
ECLOF Tanzania
Mtaji Credit Facility
Women Entrepreneurial Development Trust Fund (WEDTF)
PRIDE Tanzania
FAIDERS
10
Mama Bah Foundaon
Same Kaya SACCOS
CARITAS DSM Savings and Credit Scheme
SEDA
Name of Institution
Tujijenge Tanzania
No
A: Retail Microfinance Institutions
DECEMBER 2010
96,563,000
98,021,176,753.89
3,000,813,406
230,000,000
18,900,000,000
753,305,000
185,000,000
400,000,000
28,988,302,398
768,208,234
14,175,801
2,300,000,000
347,949,345
40,000,000
0.00
26,989,108
0.00
0.00
400,041,000
4,331,433,067
54,242,137
296,849,315
1,500,000,000
22,784,986,043
0.00
416,701,024
71,002,472
0.00
0.00
0.00
367,198,919
0.00
0.00
Loan security deposits
ST
129,510,779
1,513,935,000
3,700,000,000
52,809,710,043
652,000,000
2,171,220.890
564,012,538
625,000,000
207,000,000
309,684,536
310,997,164
4,700,000,000
4,200,000,000
Loan outstanding
MEMBERS BUSINESS POSITIONS AT 31
TANZANIA ASSOCIATION OF MICROFINANCE INSTITUTIONS TAMFI
342,780
18,200
249
54,199
3,600
1,500
1,200
160
49,680
130
907
2,720
18,071
139,382
1,321
5,051
4,126
3,337
2,160
616
3,008
17,338
15,825
Total clients
121,333,528,817
5,567,350,000
406,350,000
49,500,000,000
1,875,199,000
716,610,000
400,000,000
250,188,593
4,228,500,000
510,200,000
287,885,000
371,355,000
407,487,500
22,741,920,000
520,000,000
2,620,100,000
752,250,000
913,335,000
490,000,000
314,068,200
474,821,000
11,073,281,000
16,912,628,524
(Amount in Tzs.)
Total loans issued this year
SECTION G- MEMBERS BUSINESS POSITION AS AT

31 DECEMBER 2010
ST
B: Banks that provide microfinance services
57,885,627,000
44,662,989,885
Total clients
128,225
175,396
Savings deposits
74,814,000,000
79,165,500,524
Loan outstanding
48,161,000,000
55,986,508,904
Name of Institution
Dar-es-Salaam Community Bank
No
(Amount)
Borrowers and savers
3,636,000,000
4,263,000,000
8,529
Mwanga Community Bank
5,154,000,000
5,865,578,055
3,927,207,467
25,400,000,000
14,800,000,00 0
44,996
Mundi Community Bank (MUcoBA)
19,500
Access Bank
138,570,294,940
229,291,634
217,060,000
378,369
16,900,000,000
459, 507,000
176,479,852,158
1,120,100,000
112,353,023,830
1,723
Mkombozi Bank
Total
st
7,026,000,000
472
283
31
Number of clients - MFIs
8,200,000,000
117,674,047,644
8,624,060,088
93,368,233,963.38
786
Value of micro-insurance to date
(Tzs)
9,000
502.0 million
No of clients insured this year
133,324,107,732
80,316
80 Micronance Instuons
Winnie Terry (Execuve Secretary)
Date: 30/11/2011
Total loans issued to clients for year 2010 Tzs. 359,903,823,757.00
Number of MFI clients

insured
123,978,301,582.38
22,410,067,619
Total Loan Outstanding
C: Wholesale service providers portfolio information as at 31 December 2010 Amount in Tzs.
OIKOCREDIT
Name of Institution
1
SELF PROJECT
No
2
CRDB MICROFINANCE SERVICES COMPANYLTD
st
3
Total
Name of Institution
No of MFIs working with your

organization
-
D: Insurance service providers as at 31 December 2010 Amount in Tzs.
The First Microinsurance Ltd
No
Total number of mnance clients: 721,149
94 Micronance Instuons
Summary:
Tanzania Associaon of Micronance Instuons TAMFI
CRDB Micronance Services Company Ltd

Total
Published by:
Edmund Mkwawa (Chairman)
Signed by:
54
111
111
111

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TAMFI

TANZANIA ASSOCIATION OF MICROFINANCE

MEMBERS DIRECTORY 2011/12

PTF, UPOROTO STREET,

MEMBERS DIRECTORY 2011/12

Section A List of TAMFI members...............................................................9

TAMFI Members Directory 2011/12

Arusha Community Initiative Support Trust

Dar es Salaam Community Bank

Akiba Commercial Bank

Ecumenical Church Loan Fund Tanzania

Foundation for International Community Assistance Tanzania

Facilitation for Integrated Development and Relief Services

First Micro Insurance Agency

Mama Bahati Foundation

Mufindi Community Bank

Presidential Trust Fund

Promotion of Rural Initiative and Development Enterprises Limited

Small Entrepreneurship Development Agency

Small Enterprise Loans Facility Projec

Youth Self Employment Foundation

Small Industries Development Organization

TAMFI Members Directory 2011/12

TAMFI Board Chairman

TAMFI Members Directory 2011/12

TAMFI MEMBERS OF THE BOARD

TAMFI Members Directory 2011/12

TAMFI INSTITUTION PROFILE

The objectives of TAMFI are:

To act as a networking, lobbying and advocacy body for the sector.

To act as a unifying organ between its members.

TAMFIs mission is to facilitate creation of an enabling environment for development of a

TAMFI Members Directory 2011/12

Equity, fairness, and equality in the treatment of members

Adherence to microfinance best practices

Supporting environment-friendly enterprises

TAMFI Members Directory 2011/12

E-mail: sfeastafrica@stromme.org / rdeastafrica@stromme.org

A world free from poverty

: We place demands on the poor, our partners and especially on

: We meet all people with openness, respect and dignity

corrective adjustments when needed to achieve our objectives.

Products & Services:

We provide wholesale lending in terms of loans to established and upcoming MFIs,

We provide guarantees to large microfinance institutions which can be leveraged by

We work with other financial organizations to provide syndicate loans.

On a selective basis, we make equity investments for some partners.

In collaboration with Stromme Foundation, we provide grants to our partners for

We provide Business Development Services to partners, in particular, in the area of

TAMFI Members Directory 2011/12

SECTION A - LIST OF TAMFI MEMBERS

LIST OF TAMFI MEMBERS

Mwanga Community Bank

Opportunity Interna onal Tanzania

Small Industries Development Organiza on

TAMFI Members Directory 2011/12

SECTION B - MICROFINANCE INSTITUTIONS

P.O.BOX 35901, Dar es Salaam

Along University Road, Survey area

Contact person address

Main Service/Products offered

AFRICAN MICROFINANCE LIMITED

Contact person address