Run your entire lending operation on one platform.
Manage borrowers, loan applications, approvals, repayments, collections, accounting and reporting in one secure system — built for Tanzanian financial institutions, in Kiswahili and English.
- Microfinance institutions
- SACCOs
- VICOBA & groups
- Digital lenders
- Check-off lenders
- Apps
- 16 on one platform
- Reporting
- BOT-aligned, from the live ledger
- Languages
- Kiswahili & English
Built for your kind of institution
Because you need BOT-aligned reporting and a full loan lifecycle out of the box.
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Because member savings, group governance, and regulatory reporting live in one system.
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Because cycle management, fund ledgers, and share-outs need their own dedicated app, not a lending-only shim.
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Because fast origination and collections need to scale without sacrificing compliance.
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Because payroll-deduction batches and employer MOUs need first-class support, not a workaround.
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Because GL, provisioning, and prudential reporting need bank-grade rigor.
Learn more →How the loan lifecycle works in Ustawi
Follow one loan from application to the regulator's report — every step on the same record.
Tap a stage to stop on it. Hover pauses the animation.
Everything your institution needs, in one platform
16 apps grouped across lending & credit, risk & compliance, operations & growth, and platform — so one system covers applications, collections, accounting, reporting and the field. Tap any app to see what's inside.
Loan Origination & Servicing
Applications, the branch→committee→board approval ladder, disbursement, repayment scheduling, restructuring, and write-offs.
Open Loan Origination & Servicing →- Applications with configurable product amount bands
- Multi-tier approval ladder — branch → committee → board, gated by loan amount
- Disbursement requirement gates (collateral perfection, credit-life, coverage-ratio checks)
- Repayment scheduling on reducing-balance or flat terms
- Formal restructuring workflow that preserves original-schedule history for audit
Built for how Tanzanian lenders actually work
Most core-banking software is built for somewhere else and localised with a disclaimer. Ustawi is the other way around: the Bank of Tanzania's reporting shape, the FIU's filing clock, and TRA fiscalization are first-class objects in the system — not settings you switch on and hope for.
PAR30/PAR90 aging and 5-band loan classification, built to the Bank of Tanzania's actual regulatory shape — not a generic risk report retrofitted later.
Learn more →Sanctions/PEP screening, STR case management, and a real goAML export — the 24-hour STR reporting clock, running from the point the required suspicion is formed, is a first-class object in the system.
Learn more →Fiscal receipt integration wired to the ledger's own VAT treatment — taxability is resolved from your chart of accounts, not hardcoded.
Learn more →What changes when you run on Ustawi
- A real approval ladder, not a paper trail
Every loan moves through branch, committee, and board gates with maker-checker control — the same path your credit policy already describes, enforced in software.
- One ledger, portfolio risk you can see live
PAR30/PAR90 aging and 5-band classification run off the same general ledger that books your disbursements and repayments — not a spreadsheet reconciled at month-end.
- Collections that keep working off the grid
Field agents carry worklists, issue digital receipts, and reconcile end-of-day cash on a phone — offline-first with idempotent sync, so patchy connectivity never loses a payment.
- Bilingual, for the people who actually use it
Kiswahili and English run through the product and the borrower-facing portal, not only the marketing site — so front-line staff work in the language they think in.
Compliance and security by design
Tenant data isolation, dual-control and maker-checker workflows, a full audit log, and device trust are built into the platform, not bolted on.
Take it to the field
Worklists, idempotent offline sync, digital receipts, and end-of-day cash reconciliation — the collection agent app keeps working with or without connectivity.
Explore the Mobile App →What our customers say
See all customers →
“We can see each member's loan, repayment history and outstanding balance without searching through multiple books or spreadsheets.”
“The biggest improvement for us is having our loan portfolio and repayments organized in one place. It makes daily follow-up much easier.”
Guides for Tanzanian lenders
What is PAR30 and PAR90, and Why Do They Matter?
PAR30 and PAR90 measure how much of your loan portfolio is genuinely at risk — not just which loans are late. Here's how they work, how they connect to BOT's loan classification bands, and how to keep them under control.
Read article →BOT Microfinance Regulations Explained
An operational guide to the compliance areas every Tanzanian microfinance institution needs to manage — affordability, disclosure, loan classification, and AML.
Read article →VICOBA vs. SACCO vs. MFI: What's the Difference?
A clear, neutral comparison of ownership, formality, savings models, and regulatory oversight across Tanzania's three most common community and institutional lending models.
Read article →Frequently asked questions
Ustawi is a lending and compliance platform for Tanzanian financial institutions. It manages the whole operation — borrowers, loan applications, approvals, disbursement, repayments, collections, accounting and regulatory reporting — in one system.
Ready to see Ustawi in action?
Book a walkthrough with our team and see the lending lifecycle, compliance reporting, and the field-agent app running on real Tanzanian workflows — mapped to how your institution lends today.
Bilingual Kiswahili / English · No obligation