Become an owner of your cooperative
Membership is open to TANAPA employees and HIFADHI staff who meet the requirements. As a member you're not a customer, you're an owner who shares in the cooperative's success.
Open to TANAPA & HIFADHI staff
Membership is open to individuals who meet our common bond, primarily employees of TANAPA and the staff of HIFADHI SACCOS LTD, who are ready to participate actively in the cooperative and contribute to our shared success.
- At least 18 years old and of sound mind
- A person of good character, trustworthy, and honest in all dealings
- Willing to abide by the Society's Bylaws, Rules, and Objectives
- Ready to pay the entrance fee, buy the required shares, and start saving
HIFADHI SACCOS
Member Ownership
Share capital
TZS 5,000,000
Benefits of membership
Affordable Loans
Access credit at member-friendly rates far below commercial banks.
Financial Security
A safe, regulated place for your savings to grow steadily.
Business Support
Advisory and capital to help members start and grow enterprises.
Savings Growth
Consistent returns and annual dividends on your shares.
Investment Opportunities
Participate in collective investments with attractive returns.
Financial Literacy
Ongoing training to build confident money management skills.
Retirement Preparation
Build a dependable nest egg for life after service.
Emergency Support
Fast assistance when unexpected needs arise.
See what membership makes possible
Loan Calculator
Estimate your indicative monthly repayment.
Indicative monthly repayment
TZS 155,000
- Interest rate
- 12% p.a. (flat)
- Total interest
- TZS 720,000
- Total repayable
- TZS 3,720,000
Figures are indicative and for illustration only. Final terms are confirmed on application.
How to join in six steps
A clear, transparent process: your application is reviewed by the Board of Directors and formally accepted by the General Meeting.
Obtain & fill the form
Get the official application form and pay the non-refundable application fee of TZS 200,000.
Board review
The Board of Directors assesses your application against the eligibility criteria.
General Meeting approval
Approved applications are recommended to the General Meeting for formal acceptance.
Pay entrance fee & shares
Once accepted, pay your entrance fee and share capital, then sign the members' register.
Receive your member ID
Collect your official membership ID card (TZS 15,000) and you're an owner.
Start saving & borrowing
Access savings, loans, and every member benefit from day one.
Application fee
TZS 200,000
Non-refundable (may be reviewed by the General Meeting)
Membership ID card
TZS 15,000
Issued once your membership is accepted
Your rights & responsibilities
Membership is a two-way commitment. As an owner you enjoy real rights, and you uphold the duties that keep the cooperative strong.
Your rights
- Participate in all Society activities and attend every General Meeting
- Vote at General Meetings, one member, one vote, regardless of shares held
- Stand for election to leadership positions and help shape the Society
- Access all financial products, including savings accounts and loans
- Receive dividends and other benefits when declared by the General Meeting
- Appoint a nominee to inherit your benefits, and review the Society's records
Your responsibilities
- Fulfil your financial obligations, buying shares and saving regularly
- Adhere to all Bylaws, decisions, and directives of the Society
- Repay any loans or debts promptly and in full
- Participate actively in the Society's development initiatives
- Uphold honesty and integrity with the Society and fellow members
Ready to join HIFADHI SACCOS?
Take the first step toward savings, affordable credit, and true financial ownership.