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Ustawi
Group of Tanzanian women entrepreneurs standing together, smiling as business partners

Customers

Institutions running on Ustawi.

See how real Tanzanian institutions use Ustawi to manage borrowers, loans, repayments, collections, members and reporting — with their approval, in their own words.
Tegemeo Microfinance
1,200+ borrowers · 350+ loans
Mwangaza VICOBA
Contributions & loans in one
Customer workflows
6, from lending to reporting

Customer stories

Real institutions, real workflows, and the actual Ustawi apps they run every day.

MFI · Tanzania

Tegemeo Microfinance: loan tracking and repayments on one platform

Microfinance institution · Loan Origination & Servicing, Collections & Delinquency

The challenge

Tegemeo Microfinance was managing borrower records, active loans and repayments across manual spreadsheets and separate books.

The result

1,200+ borrowers and 350+ active loans managed on one platform

Loan Origination & ServicingCollections & Delinquency
Read the Tegemeo Microfinance story →
A field officer with a smartphone talking with a fruit vendor about her loan repayment
Tegemeo Microfinance · Loan Origination & Servicing
VICOBA · Tanzania

Mwangaza VICOBA: member records and savings in one system

VICOBA / savings group · VICOBA / Savings Groups

The challenge

Mwangaza VICOBA was tracking member contributions, loans, repayments and group records across separate books, making it hard for administrators to see member balances and outstanding loans at a glance.

The result

Member contributions, loans and repayments in one centralized system

VICOBA / Savings Groups
Read the Mwangaza VICOBA story →
A savings-group coordinator with a tablet at a group meeting around a table with a savings box
Mwangaza VICOBA · VICOBA / Savings Groups

What our customers say

Feedback from the institutions running their day-to-day lending and member operations on Ustawi.

“We can see each member's loan, repayment history and outstanding balance without searching through multiple books or spreadsheets.”

Asha M. — Loan Officer, Tegemeo Microfinance

“The biggest improvement for us is having our loan portfolio and repayments organized in one place. It makes daily follow-up much easier.”

John K. — Operations Manager, Mwangaza VICOBA

“Our field team can record customer information and repayments while management gets a clear picture of the portfolio.”

Neema P. — Branch Manager, Tegemeo Microfinance

What customers use Ustawi for

Lending

Applications → approval → disbursement → repayment

Collections

Due loans → field visits → payments → follow-up

Member management

Registration → contributions → loans → balances

Field operations

Worklist → cash collection → receipts → offline sync

Finance

Transactions → reconciliation → general ledger → reports

Reporting

PAR aging → classification → provisioning → filings

Who Ustawi is built for

The institutions that serve Tanzania's borrowers.

MFIs, SACCOs, and VICOBA networks lending to the traders, retailers, and service businesses that keep local economies moving — the people this platform is built to reach.

Portrait of a confident East African small business owner managing her shop
Shop owners & traders

The micro-borrowers whose repayments a field officer collects on a route.

Smiling shopkeeper standing among bulk food stock in her store
Retailers & stockists

Group and individual borrowers served by SACCOs and MFIs across the country.

Portrait of a confident African barista standing with arms crossed at a trendy coffee shop counter
Service businesses

The everyday enterprises a VICOBA network lends to, cycle after cycle.

Become our next case study.

Run your institution on Ustawi and we'll tell your story — with your approval, in your words.