About
We build the infrastructure for financial prosperity.
- Apps
- 15 across the lending lifecycle
- Built for
- MFIs · SACCOs · VICOBA
- Founded
- 2023, in Dar es Salaam
Why we exist
Millions of Tanzanians are served by microfinance institutions, SACCOs, and community savings groups — yet the software running them is too often a generic import that doesn't understand BOT reporting, VICOBA cycles, or a field officer collecting cash off-grid. Ustawi exists to give these institutions software built for how they actually operate, in their own language, under their own regulator.
What we believe
"Ustawi" is Kiswahili for prosperity, welfare, thriving — the outcome the institutions we serve exist to create. Our design system carries the same idea: emerald for growth, gold for prosperity, and a deep navy/ink for trust. We believe compliance should be built into the workflow rather than bolted on as paperwork, that transparency (real published pricing, honest placeholders) beats enterprise-sales opacity, and that Kiswahili-first is a design principle, not a translation afterthought.
Leadership
Ustawi is led by a founding team that pairs hands-on lending-operations experience with software engineering built for East African connectivity and regulatory conditions.
Technology entrepreneur with experience building financial and business management software. Leads Ustawi's product vision, strategy and partnerships with financial institutions.
Software engineer focused on scalable financial technology, cloud systems and secure data infrastructure. Leads Ustawi's engineering and technology development.
Experienced in business operations and financial services workflows. Oversees customer onboarding, implementation and day-to-day platform operations.
Product specialist focused on translating microfinance and SACCO workflows into simple digital tools. Leads product research, requirements and feature development.
Works with institutions during onboarding and implementation, helping teams adopt the platform and get value from its loan, member and reporting features.
Focuses on financial processes, reporting and operational controls, helping ensure the platform supports structured financial management.
Ustawi in numbers
To give every Tanzanian lending institution — from a single-branch VICOBA to a multi-branch MFI — software built for how they actually operate: in Kiswahili, under their own regulator, and reliable in the field where the work happens.
A financial sector where every institution serving Tanzanians runs on transparent, compliant, locally-built infrastructure — so credit reaches more people, more safely.
What we value
Designed around BOT reporting, VICOBA cycles, check-off lending and field collection — not generic software translated after the fact.
Affordability, AML screening, classification and audit trails live inside the workflow, not in a separate binder.
Bilingual by design so loan officers and field agents work in the language they actually use.
Real, published pricing and no fabricated traction. We show the product as it is.
Offline-capable so cash collection and receipts keep working where connectivity doesn't.
Per-tenant isolation, role-based access and a full audit trail — because this is our customers' financial data.
Frequently asked questions
What does "Ustawi" mean?
It's Kiswahili for prosperity, welfare, and thriving — the outcome the institutions we serve work toward.
Where is Ustawi based?
Ustawi is operated by Click Up Company Limited, registered and headquartered in Dar es Salaam, Tanzania, and serves institutions across the country.
Is Ustawi hiring?
We grow our team selectively as we onboard more institutions. If you have microfinance-operations or engineering experience, introduce yourself at info@ustawi.co.tz.
Building financial infrastructure for Tanzania.
See how institutions run the full lending lifecycle on Ustawi.