Small Business Loans
Working capital for stock, equipment and day-to-day biashara needs.
How to applyServing customers since July 2025
FlexibleFinance
Practical credit for small businesses, organised groups, education needs and income earners - with repayment options built around real life.
Download the form, complete it, then visit our Machimbo office for verification and assessment.
Bank of Tanzania licenceMSP2-R56
FlexibleAmounts by assessment
3 optionsWeekly, fortnightly, monthly
6 daysMonday to Saturday
What we finance
Loan solutions for everyday progress
DAFAJA focuses on customers who are often underserved by traditional banking, while also serving eligible salaried employees.
Group Loans
Structured finance for organised groups growing together.
How to applyEducation Fee Loans
Support for tuition and essential education-related expenses.
How to applyEmployee Loans
Assessed finance for eligible public and private institution employees.
How to applyIndividual Loans
Flexible personal finance based on a clear, assessed need.
How to applyFlexible Purpose Finance
Loan amounts and terms shaped around demand, affordability and assessment.
How to applyRepayment choices
A schedule that works with your cash flow
Choose a repayment rhythm suited to how you earn. Your approved amount, instalment, term, total interest, fees and total amount payable will be shown in writing before you sign.
Discuss the right option3.0%
Indicative interest for weekly-repayment products.
Popular for biasharaQuoted
Terms are confirmed after product and affordability assessment.
Every two weeks3.5%
Indicative interest for monthly-repayment products.
For steady incomeRates shown are indicative. The final written loan offer and product disclosure determine the calculation basis, applicable charges, repayment schedule and total cost of credit.
Simple process
From application to a clear decision
Start online, complete the important verification steps in person, and receive written terms before accepting any loan.
Download the form- 01
Download and complete
Fill in the DAFAJA application form carefully.
- 02
Prepare your documents
Bring identification and evidence relevant to your request.
- 03
Visit the office
Meet our team at Machimbo, Mpiji Magohe for verification.
- 04
Assessment and written offer
Approved applicants receive clear terms and a repayment schedule.
Before you visit
Common application requirements
- Valid national identification or other accepted ID
- Proof of residence and a verifiable physical address
- Evidence of business, income, employment or education fees
- Completed DAFAJA loan application form
- Guarantor or security documents where the product requires them
Our story
Built close to the customers we serve
DAFAJA began operating in July 2025 as a small-scale initiative supporting students and small businesses with practical access to finance.
As demand grew, the business formalised and expanded so it could reach more customers, strengthen its processes and deliver a professional, responsible service. Today, DAFAJA remains focused on accessible finance and personal support.
Registered and regulatedBOT Tier 2 licence MSP2-R56 · TIN 181-171-757
Accessible finance for a more secure future
To become a trusted and accessible microfinance partner that enables individuals and small enterprises across Tanzania to build stable, productive futures.
Responsible support, delivered personally
To provide timely, flexible and responsible credit solutions with integrity, respect and personal support to underserved entrepreneurs, students and income earners.
Questions answered
Know what to expect before you apply
Clear information helps you make a responsible borrowing decision. Contact us if your question is not covered here.
Call 0687 267 325Who can apply for a DAFAJA loan?
Small business owners, organised groups, students or parents seeking education-fee support, and eligible public or private institution employees may apply. Every application is assessed individually.
Can I complete the whole application online?
You can download and complete the application form online. You must then visit the DAFAJA office with the form and supporting documents so that identity, affordability and other requirements can be verified.
How much can I borrow?
Loan amounts are flexible. The amount offered depends on your purpose, repayment ability, available evidence, product conditions and DAFAJA's credit assessment.
How often can I repay?
Repayment can be arranged weekly, fortnightly or monthly, depending on the loan product and the approved repayment plan.
Is downloading an application form the same as loan approval?
No. Downloading or submitting a form does not guarantee approval. A loan is offered only after assessment and after DAFAJA provides the written terms, total cost and repayment schedule.
Does DAFAJA accept savings or deposits?
No. DAFAJA is a licensed Tier 2 non-deposit-taking microfinance service provider and provides credit services rather than accepting customer deposits.
Visit or contact us
Let's discuss what you need
Our team will explain the application requirements, repayment options and next steps without promising approval before assessment.
Official telephone0687 267 325
Official emaildafajamicrofinance7@gmail.com
OfficeMachimbo, Mpiji Magohe, Ubungo, Dar es Salaam
Opening hoursMonday-Saturday, 8:00 a.m.-6:00 p.m.