Why institutions choose Ustawi.

Not generic loan software translated into Kiswahili. VICOBA cycles, check-off salary lending, BOT 5-band classification, TRA EFD/VFD, group joint-liability — modelled the way they actually work here, not bent to fit a foreign template.

Origination → disbursement → repayment → collections → general ledger → regulatory filing all read and write through one ledger. The loan a field agent disburses in cash is the same loan that ages on your PAR report and posts to your GL — no re-keying, no month-end spreadsheet reconciliation.

Affordability assessment, CRB checks, AML sanctions/PEP screening, recovery notices and audit trails are built into the day-to-day process — not a separate binder you assemble before an examination.

Agents collect cash, issue receipts and capture visits with no signal; everything syncs safely — with idempotency keys so a payment is never recorded twice — when connectivity returns.

Kiswahili and English throughout, so loan officers, field agents and management each work in the language they actually use.

Central management with branch-level scoping, capability-based roles and maker-checker dual-control on sensitive actions — head office sees everything, each branch sees its own.

Every material action is recorded with who did what, when and on which record — reconstructable for an internal audit or a Bank of Tanzania review.

Real, published pricing and no fabricated traction. What you see on this site is what the product does.