12% p.a.
Community Development Loan
Build homes, land & long-term assets
Long-tenure financing for housing, land, and asset acquisition that builds lasting family wealth.
Eligibility: Members with at least 6 months of consistent savings.
Empowering TANAPA employees through savings, affordable loans and financial growth.
Reliable savings and affordable credit, serving members since 2000.
Key figures
Development Loan12% p.a.indicative rate
Emergency Loan14% p.a.indicative rate
Annual Dividend9.5%2024 payout
Share ValueTZS 10,000per share
Entrance FeeTZS 200,000one-time
How can we help you?
Everything you need, one tap away
Tell us what you're here to do and we'll point you the right way.
Grow your savings with confidence
Open a savings account, set up monthly contributions, and earn competitive dividends — your money working as hard as you do.
Plan with confidence
See what a loan could look like
Adjust the amount and term to get an instant, indicative monthly repayment.
Loan Calculator
Estimate your indicative monthly repayment.
TZS 3,000,000
TZS 200,000TZS 30,000,000
24 months
12 mo48 mo
Indicative monthly repayment
TZS 155,000
- Interest rate
- 12% p.a. (flat)
- Total interest
- TZS 720,000
- Total repayable
- TZS 3,720,000
Apply for this loan
Figures are indicative and for illustration only. Final terms are confirmed on application.
By the numbers
A quarter-century of measurable impact
0+
Years of Service
0+
Active Members
TZS 0.0B+
Loans Issued
TZS 0.0B+
Member Savings
0
Regional Offices
Reg. AR.382
Since 2000
About HIFADHI SACCOS
Built by members, for members — since 2000
HIFADHI SACCOS LTD was founded to give Tanzania National Parks employees a trusted home for their savings and a fair source of credit. Twenty-five years on, we remain member-owned, member-governed, and wholly focused on your financial wellbeing.
- Member-owned cooperative — profits return to you as dividends
- Regulated, transparent stewardship of every shilling
- Financial education woven into everything we do
What we offerFull-service financial support
View all servicesFull-service financial support
for every member
Savings
Flexible savings accounts and voluntary deposits that grow with competitive returns and annual dividends.
Loans
Four purpose-built loan products with affordable rates and fast, member-friendly approval.
Financial Education
Workshops and resources that build confident money-management skills for every member.
Investment Opportunities
Collective investment schemes that put members' pooled resources to productive work.
Business Support
Advisory, mentorship, and capital to help members launch and grow their enterprises.
Member Training
Regular training on cooperative principles, entrepreneurship, and financial planning.
Why choose us
Reasons members trust HIFADHI
We combine the warmth of a member-owned cooperative with the discipline of a serious financial institution.
Affordable Rates
Interest rates well below commercial banks, set by members for members.
Fast Loan Processing
Streamlined approvals — emergency loans in as little as 24 hours.
Trusted Since 2000
A quarter-century of dependable service to TANAPA employees.
Financial Education
We invest in members' financial literacy, not just their balances.
Secure Savings
Regulated, transparent stewardship of every shilling you save.
Member Ownership
You are an owner — profits return to members as dividends.
Loan products
Credit built around real member needs
Four purpose-designed loans, each with affordable rates and a fast, transparent process.
14% p.a.
Emergency Loan
Fast help when it matters most
Rapid, short-term financing for urgent needs — approved quickly so you're never left stranded.
Eligibility: All active members in good standing.
11% p.a.
Education Loan
Invest in school, college & skills
Affordable financing for school fees, college, and professional development — for members and their families.
Eligibility: Members with at least 3 months of savings.
12% p.a.
Health & Medical Loan
Care for you and your family's health
Compassionate financing for medical treatment, hospital bills, and health emergencies.
Eligibility: All active members in good standing.
Member voices
Real stories from real members
Behind every number is a family, a home, an education, a future made possible together.
“HIFADHI made owning my first home possible. The development loan was affordable and the team guided me through every step.”
News & updates
All news & updatesLatest from HIFADHI
In partnership & collaboration with
TTANAPA
TTCDC
CACooperative Audit & Supervision (COASCO)
MoMinistry of Agriculture
BoBank of Tanzania
TCTanzania Cooperative Development Commission
TTANAPA
TTCDC
CACooperative Audit & Supervision (COASCO)
MoMinistry of Agriculture
BoBank of Tanzania
TCTanzania Cooperative Development Commission
Become Part of HIFADHI SACCOS Today
Join a member-owned cooperative that has strengthened the financial future of TANAPA employees for 25 years. Your journey to savings, credit, and growth starts here.