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SCCULT Advances Digital Transformation Through the SOMA System

The Savings and Credit Cooperative Union League of Tanzania (SCCULT) 1992 LTD

Umbrella for SACCOS in Tanzania
SCCULT Services

Central
Financial Facility.

Shared liquidity and loan facilities that boost SACCOS stability, lending capacity, and member service across Tanzania.

Liquidity Support Growth Loans Treasury Advisory ALM Support
CFF Portfolio Snapshot Portfolio Overview
TZS Portfolio Mix
Liquidity
51%
Growth Loans
28%
Other Facilities
21%
Total Illustrative Financing TZS 2.50 BN
24+ SACCOS
86+ Facilities
5 Regions
CFF Financial Impact

Financing That Keeps Lending Moving

CFF provides structured liquidity and loan facilities that support eligible SACCOS to maintain lending capacity, strengthen resilience, and serve members effectively.

TZS 2.50 BN Total Financing

Illustrative total value of CFF financing provided to beneficiary SACCOS.

24+ SACCOS Benefited

Illustrative number of SACCOS accessing CFF financial support.

86+ Facilities Extended

Illustrative number of liquidity and growth facilities.

TZS 29M Average Facility

Illustrative average facility value across the portfolio.

Financing by Year Illustrative TZS Million
2021
2022
2023
2024
2025
2026
Financing Growth

More Liquidity. More Lending Capacity.

The CFF portfolio can be presented through annual financing trends to show how liquidity and growth financing have supported SACCOS over time.

TZS 10 million facilities can support targeted short-term liquidity requirements.
TZS 50 million facilities can provide meaningful portfolio expansion capacity.
TZS 100 million and above can support larger institutional growth and liquidity requirements.
What We Offer

Financial Support Built for SACCOS

CFF combines financing facilities with practical financial management support to strengthen institutional stability and lending capacity.

01 / LIQUIDITY

Liquidity Lines & Pooled Funds

Bridge funding to help SACCOS meet member withdrawals, maintain liquidity, and continue loan disbursements on time.

02 / GROWTH

Growth Loans

Financing for portfolio expansion, new financial products, service channels, and strategic institutional growth.

03 / ADVISORY

Prudent Finance

Treasury and ALM guidance designed to support prudent financial management, stability, and compliance.

Why It Matters

A Stronger Financial Foundation

Appropriate access to financing can strengthen SACCOS resilience, protect member services, and create room for responsible growth.

Liquidity Support

Bridge funding helps SACCOS respond to member withdrawals and maintain lending activity during liquidity pressure.

Stronger Resilience

Improved capital and liquidity positioning can strengthen institutional resilience and financial stability.

Growth Financing

Structured facilities support portfolio expansion, new products, and improved member service channels.

CFF Beneficiaries

SACCOS and Financing Facilities

The table below demonstrates how beneficiary SACCOS can be presented together with facility type and financing amount. Replace the sample records with verified CFF data.

# SACCOS Region Facility Amount Status
01 Sample SACCOS One Dar es Salaam Liquidity TZS 100,000,000 Active
02 Sample SACCOS Two Dodoma Growth Loan TZS 50,000,000 Active
03 Sample SACCOS Three Arusha Liquidity TZS 10,000,000 Active
04 Sample SACCOS Four Mwanza Growth Loan TZS 100,000,000 Active
05 Sample SACCOS Five Mbeya Liquidity TZS 50,000,000 Active
06 Sample SACCOS Six Morogoro Growth Loan TZS 25,000,000 Active
Portfolio Impact

Financing Reaching SACCOS

A transparent beneficiary dashboard allows visitors to understand the reach and financial scale of CFF support.

24+ SACCOS Supported
86+ Facilities Extended
5 Regions Reached
Illustrative Portfolio TZS 2.50 BN
CFF Financing Eligibility & Readiness
Eligibility

Eligibility for CFF Loans

CFF facilities are intended for SACCOS that demonstrate institutional readiness, sound governance, financial discipline, and capacity to service the requested facility.

Legally registered SACCOS in good standing with applicable BoT and COASCO compliance requirements.
Up-to-date financial statements and governance records.
Demonstrated loan portfolio quality and repayment discipline.
Capacity to service the facility based on cash flow and financial projections.
Collateral or guarantee arrangements as applicable and a board resolution approving the request.
Central Financial Facility

Strengthen Liquidity.
Expand Lending.

CFF provides structured financial support to help eligible SACCOS strengthen liquidity, expand their lending capacity, and deliver better financial services to members.

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