Products & Channels

Our Products Overview

At VisionFund Tanzania, we provide a comprehensive suite of financial products designed to meet the needs of micro-entrepreneurs, SMEs, smallholder farmers, and families. These products are grouped into five major categories: 

Grow your business with confidence

Our Business Loans are designed to support entrepreneurs at different levels, from small groups to formal SMEs, helping them strengthen their income, reduce risks, and achieve sustainable growth. These loans are flexible, transparent, and designed to make it easier for you to access capital when you need it most.

Biashara Loan
(Groups of 6–30 members)

Ideal for larger groups of micro-entrepreneurs who want to pool resources and reduce risks. This product supports working capital needs, inventory purchase, and small asset investments. Repayment is collective, which reduces the burden on individual members and strengthens solidarity.

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Jiendelze Loan
(Groups of 3–5 members)

Perfect for smaller, trust-based groups who want flexibility and easy coordination. The product provides manageable loan amounts that can grow with your group’s progress, offering flexible repayment terms and mutual guarantees.

Savings Group Loan
(VICOBA/VSLA)

Specially crafted for community savings groups. VFT finances the group’s pooled savings (cash box) to expand their ability to lend to members, strengthening group dynamics and expanding opportunities.

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Individual & SME Loans

For entrepreneurs running more formal or growing businesses, this loan provides larger capital limits to fund expansion, purchase machinery or stock, and cover working capital. Tailored repayment schedules make it suitable for SMEs ready to scale.

Putting children and families at the heart of what we do.

We believe every financial solution should make life better for families and improve opportunities for children. Mission Impact Loans support essential household and institutional needs beyond business operations.

Education Loan (Elimisha)

Ideal for larger groups of micro-entrepreneurs who want to pool resources and reduce risks. This product supports working capital needs, inventory purchase, and small asset investments. Repayment is collective, which reduces the burden on individual members and strengthens solidarity.

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School Improvement Loan (SIL)

Perfect for smaller, trust-based groups who want flexibility and easy coordination. The product provides manageable loan amounts that can grow with your group’s progress, offering flexible repayment terms and mutual guarantees.

Sustaining farming livelihoods & food security.

Farming is central to Tanzania’s economy and food systems. Our agriculture loans are structured to fit the unique needs of both group and individual farmers, providing flexible repayment schedules, risk protection, and support through partnerships.

Mkombozi Loan
(Groups of 6–30 farmers)

Enables groups of farmers to access financing for seasonal crop production, livestock rearing, or farm inputs. Repayments are aligned with harvest cycles, reducing financial stress during the growing season.

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Jitume Loan
(Groups of 3–5 farmers)

Best for semi-rural farmers who may not have formal collateral but possess alternative income streams. Provides access to small equipment, seeds, fertilizer, or other inputs with repayment structures adapted to rural livelihoods.

Jikomboe Loan
(Individual farmers)

For experienced farmers with verifiable income and assets, this loan offers higher financing limits and flexible collateral options. Agricultural insurance is included to protect farmers from risks like drought or crop failure.

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Partnership Agri Loans

Provided through collaboration with partners, these loans combine financing with access to modern farming tools, training, insurance, and guaranteed markets. This strengthens productivity, reduces risks, and builds resilience for smallholder farmers.

Building a foundation of financial security.

Our savings products help you create financial discipline, safeguard your money, and prepare for future opportunities or emergencies. Whether you are an individual, a family, or a group, VFT offers an account that fits your needs.

Group Accounts

For self-help or producer groups that want to pool funds and increase their ability to lend internally. Encourages group solidarity and structured saving.

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Joint Accounts

Designed for couples, families, or partners who want to save together and manage shared goals, such as building a home or financing children’s education.

Akiba Account (DDA)

Everyday savings account that provides unlimited access to funds, supporting regular deposits and withdrawals for day-to-day financial management.

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Watoto (Child) Accounts

Opened by parents or guardians in a child’s name to encourage savings habits from a young age. These accounts help families build resources for their children’s future education or other long-term needs.

Salary Accounts

Tailored for employees whose salaries pass through VFT. They simplify salary management and allow for access to other financial services.

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Business Accounts

Designed for small businesses, organizations, or institutions to manage payroll, bills, and operational payments efficiently.

Dunduliza Condition Savings

Structured accounts that limit withdrawals (e.g., once per year) to encourage discipline. Suitable for long-term goals like paying school fees, building a home, or investing in farming inputs.

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Bank anywhere, anytime—right from your phone.

Our digital products give you fast, convenient access to financial services, eliminating barriers of distance and time. These products bring transparency, affordability, and efficiency into your hands.

BIMA Loan
(Digital Insurance Premium Finance)

Provides instant insurance cover by paying your premium upfront directly to the insurer. You deposit a small amount at the start, then repay the balance monthly. If repayments lapse, the policy is paused to safeguard you from risk.

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Buy Now, Pay Later
(Digital Supply Chain Finance)

Designed for MSMEs and households to access goods or services from approved suppliers immediately. VFT pays the supplier, and you repay in affordable monthly instalments.

Dunduliza+
(Digital Group Savings & Lending)

A mobile group wallet that enhances transparency, ensures disciplined savings, and provides instant loan approvals for members who qualify. Groups can borrow up to 3× their savings if they follow group saving plans.

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Zero Interest Loans (ZIL)

Provided under donor-funded programs, these loans are disbursed at 0% interest. Repayments may be principal-only, or in some cases beneficiaries may receive partial or full forgiveness depending on program rules.

Insurance Products

Motor Insurance

Comprehensive Cover

Covers loss of or damage to the insured’s vehicle due to accident, theft, or fire, and in addition, pays for loss of or damage to third-party property or for injury or death to third parties.

Third-party fire and theft

Covers loss of or damage to the insured’s vehicle due to theft or fire, and in addition, pays for loss of or damage to third-party property or for injury or death to third parties.

Third party only

Pays for loss of or damage to third party property or for injury or death to third parties only.

Motor Insurance Classes

• Private Car

• Commercial vehicles

• Trucks

• Trailers

• Special Type of vehicles

• Public Service vehicles

• Motorcycles/tricycles

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Coverage

Theft

If your car is stolen, our policy will compensate you, subject to an excess (a portion of the sum you have been insured for that you are required to pay). 

Fire

If your car catches fire accidentally, our policy covers you. 

Accidental Damage

If your car is accidentally damaged, our policy will ensure you get compensation.

Total loss of the car

If the cost of repairs exceeds 50% of the sum assured, our policy considers the vehicle a total loss and covers it accordingly. 

Third-party liabilities

Our policy covers injury or death of third parties and accidental damage to their property.

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Domestic Package Insurance
(Fire Insurance)

  • Fire & Allied Perils- Building & or Contents.
  • Owner’s Liability.
  • Domestic Workers’ Compensation.
  • Buildings and contents: cover the damages caused by fire, lightning, explosion, thunderbolt, earthquake, volcanic eruption, storm, tempest, aircraft or other aerial device, theft or attempted theft, impact on buildings.

Money Insurance

  • This is the insurance protection of cash or other instruments with monetary values, such as cheques, which are presented to the bank. The cover protects against robbery or theft of the money while in the premises of the bank during and after working hours, together with protection of the cash in transit.
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Fidelity Guarantee

  • This guarantees the settlement of the amount of money being lost from the bank due to the dishonesty of the employees/fraud.

Alternative Banking & Support

Accessible Banking, Your Way

Being accessible is core to our mission. We make it easy for you to reach us and use our services through multiple channels designed to fit every customer’s preference.

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Call Center Support

Get real-time assistance through our dedicated toll-free line 0800 758 723 or email info@vftz.co.tz . Our trained support team is ready to deliver fast, reliable solutions from handling inquiries and resolving complaints to offering clear guidance whenever you need it.

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USSD Mobile Banking (*150*25#)

Access banking anytime, anywhere no data needed. With our simple USSD service, you can transfer funds, pay bills, check balances, view account statements and make loan repayments. All from any mobile phone, instantly and securely!

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Jihudumie Mobile App

Experience full digital banking right on your hand. Enjoy features such as Fund transfers (B2W, B2B), Bills Payment, balance inquiries, account statement, loan applications and tracking, group management, and partner services.

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Branch Services

Our cash-holding branch offers personalized teller services, handling complex transactions, account management, or special customer needs.

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Agency Banking
(CRDB Wakala Agents)

Bringing banking closer to you. Deposit and withdraw cash safely at trusted local agents, even if you’re far from VFT business Centres.

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ATMs

Access cash anytime with VFT, through CRDB’s ATM network. Enjoy 24/7 withdrawals, balance checks, mini-statements and transfers fast, convenient and secure.

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