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.
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
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 today?
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.
By the numbers
A quarter-century of measurable impact
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Years of Service
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Active Members
TZS 0.0B+
Loans Issued
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Member Savings
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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.
Credit built around real member needs
Swipe to explore all four loans →
Member voices
Real stories from real members
Trusted by 5,000+ members
“HIFADHI made owning my first home possible. The development loan was affordable and the team guided me through every step.”
Neema Kimaro
Park Warden, Serengeti
“When my daughter got her university admission, the education loan came through in days. It genuinely changed our family's future.”
Baraka Mushi
Accountant, TANAPA HQ
“I've saved with HIFADHI for eleven years. The dividends are real and the financial training taught me how to budget properly.”
Amina Juma
Ranger, Kilimanjaro
“An emergency medical bill would have crushed me. The health loan was approved within a day. I'll never forget that.”
Emmanuel Shirima
Driver, Tarangire
“Being a member means being an owner. I trust HIFADHI with my savings because the returns come back to us.”
Grace Mollel
Administrator, Arusha Office
“HIFADHI made owning my first home possible. The development loan was affordable and the team guided me through every step.”
Neema Kimaro
Park Warden, Serengeti
“When my daughter got her university admission, the education loan came through in days. It genuinely changed our family's future.”
Baraka Mushi
Accountant, TANAPA HQ
“I've saved with HIFADHI for eleven years. The dividends are real and the financial training taught me how to budget properly.”
Amina Juma
Ranger, Kilimanjaro
“An emergency medical bill would have crushed me. The health loan was approved within a day. I'll never forget that.”
Emmanuel Shirima
Driver, Tarangire
“Being a member means being an owner. I trust HIFADHI with my savings because the returns come back to us.”
Grace Mollel
Administrator, Arusha Office
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In partnership & collaboration with
