MSE Solidarity Group

MSE Solidarity Group

Solidarity group lending is the process of advancing loans to micro and small business sector which its security is based on group guarantee with attachment of assets repayable on monthly basis and compulsory savings. 

Solidarity Group Loans are for micro and small entrepreneurs whose income depends on their own businesses or economic activities, who may lack formal financial statements and other accounting and operational records, and who may lack physical securities.


Loan Amount

TZS. 5,000,001- 10,000,000

Member  Fee


Turn around time

7 working days

Interest rate

28% flat p.a

Repayment model


Repayment Period

Up to 24 months

Life Insurance 




Commitment fee


Cash cover



Members Guarantees, Borrowers weekly savings,Movable households’ properties e.g. Radio, TV, Bed Sheets, Sewing machine, Bicycle or stocks of goods and Immovable properties/Sales agreement.

  • Age: 18 - 65 years
  • Owner of individual business.
  • At least 3 months experience in existing business.
  • At least 3 months in existing business location.
  • To save a minimum of Tzs.20,000/= per month, which shall form part of the loan instalment due
  • To be in possession of savings
  • The business to be financed must have a regular cash flow
  • Acceptable collateral to the bank or guarantee from any two guarantors from the group backed up with movable/immovable properties.
  • To open an account with the bank. The account should have successfully operated for at least three months with DCB.
  • Maximum age limit for borrower’s (Customers) shall  be 65 years
  • ID/ Passport- Originals to be viewed and copies attached.
  • Two passport size photograph

Security requirement

The security for the loan will take the form of:

  • Borrowers monthly savings.
  • Members Guarantee.
  • Apart from the group guarantee the customer should submit Immovable property/landed property or chattels, Households and stock of goods to be pledged to strengthen security position.


The loans are to be used for productive purposes. They may be applied for:

  • The purchase of raw materials
  • The purchase of stock
  • The purchase of fixed assets for the business such as machinery, furniture etc.
  • The expansion of the business

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