Pamojaby Protend
Built for Tanzania’s community finance teams

Run every member, loan and decision with confidence.

Pamoja is the digital platform for SACCOs, VICOBA and microfinance institutions in Tanzania — whether you lend through savings groups, directly to individual clients, or both. Members see their money clearly while your team manages collections, loans and approvals from one trusted workspace.

Find a group near me Bring my institution to Pamoja

Getting started is free.

Tanzania geography built inEnglish and Kiswahili readyMobile-first

Your institution

One workspace, one dashboard, every operation

Preview

Members

Money explained plainly

Savings & share-out

Cycles closed fairly

Loans

Groups, individuals, or both

Credit controls

Guarantors, eligibility, classification

Meetings

Attendance reconciled

Payout rotations

Fair, on schedule

Reports

PAR, statements, exports

Approvals & security

2FA, immutable audit trail

Built for all 31 regions of TanzaniaWhat it does

One action, one connected story

Follow a member’s contribution from payment to institution oversight.

Pamoja keeps the member, group, field officer and institution on the same financial story—without repeating forms or losing context.

Find a group near me

  1. 01

    A member pays in

    A contribution or loan repayment is explained in everyday language and lands in the right funds — in a savings group or the institution’s client book.

  2. 02

    The day reconciles

    Group meetings reconcile attendance and collections; direct lenders see every payment posted against the right schedule.

  3. 03

    A field officer sees what needs attention

    Scope-aware follow-up focuses on the right group and location.

  4. 04

    The institution acts with confidence

    Portfolio health, approvals and an immutable audit trail stay connected.

Built for trust

Clear to members. Controlled for institutions.

Pamoja gives every person the right view, makes every important decision explainable and keeps financial history trustworthy.

Your members understand their money

Savings, shares, loans and receipts are explained in everyday language with a clear next action — and an SMS reminder before an instalment falls due.

Your team sees what needs attention

Field teams and leaders work from focused queues for the groups and locations they are assigned.

Every decision has a history

Staff sign in with two-factor authentication, approvals record who acted and why, and posted financial records are immutable — corrections are reversals, never edits.

You grow without losing control

Add operating areas, groups and staff while each institution remains securely separated.

Clear to members. Controlled for institutions.

Pamoja gives every person the right view, makes every important decision explainable and keeps financial history trustworthy.

Getting started is free.

Join through PamojaRequest your institution workspace

A conversation before a commitment

Need something tailored to your institution?

Tell us what you manage today, what is difficult, and what a successful rollout should feel like. A real person from Protend will reply.

We normally reply within one business day.

Write us an emailRequest a workspacehello@protend.com