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Quick Loans
&Approvals

Our quick loan approval process ensures you get the funds you need within minutes!.With minimal paperwork and a hassle-free application, we make borrowing simple, fast, and secure. Apply now and get approved instantly!.

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Expert Financial
& Advice

Your Guide to Smart Money Decisions Make informed financial choices with our expert guidance. Whether you need help with budgeting, investments, or debt management, our professionals provide personalized solutions to secure your financial future. Talk to us today and take control of your finances!.

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we have a solid background

Savings
& Plan

We offers a range of flexible and accessible savings plans designed to meet the diverse needs of individuals, families, and small businesses across Tanzania.

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Our quick loan approval process ensures you get the funds you need within minutes!.With minimal paperwork and a hassle-free application, we make borrowing simple, fast, and secure. Apply now and get approved instantly.

Salary-Based Loans

JML offers Salary-Based Loans to help salaried individuals access quick and affordable credit based on their monthly income. These loans provide a simple and convenient way to meet personal or financial needs without the burden of extensive paperwork or collateral.

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Micro Business Loans

Designed for small entrepreneurs or micro-businesses that need capital to start or expand their operations (e.g., retail businesses, small-scale agriculture, or service businesses).

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Emergency Loans

Short-term loans designed to meet urgent financial needs, such as medical emergencies, urgent repairs, or unforeseen crises.

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Education Loans

For individuals or families who need financial assistance to pay for education-related expenses, such as tuition fees, textbooks, or other learning materials.

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Women’s Empowerment Loans

Targeted loans aimed at empowering women entrepreneurs or individuals who wish to invest in businesses that support community or family welfare.

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Group Loans

Loans offered to groups of individuals who come together to borrow collectively and share responsibility for repayment.

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How can I scale my business?

Our solutions for your business growth

We provide financial services to individuals and businesses with the aim of fostering economic independence and community development in Tanzania.

We drive financial inclusion in Tanzania by empowering individuals and businesses with accessible, innovative, and responsible financial services.

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EMPOWERMENT
Enabling individuals and businesses to achieve financial independence.
INTEGRITY
Conducting business with honesty, transparency, and accountability.
INCLUSIVITY
Ensuring financial access for all, regardless of background or income.
INNOVATION
Continuously offering creative and efficient financial solutions.
SUSTAINABILITY
Promoting long-term financial well-being for both clients and the institution.
CUSTOMER-CENTRICITY
Putting clients at the heart of everything we do.
EDUCATION
Enhancing financial literacy for informed decision-making.
COMMUNITY FOCUS
Supporting social and economic development in the communities we serve.
Who we are

Get to know about our company

Justina Microfinance Limited (JML) is a privately owned microfinance institution operating in Tanzania and focused on the provision of financial support to individuals or small businesses who may not have access to traditional banking services. JML is registered and incorporated in Tanzania by Business Registrations and Licensing Agency (BRELA) as a financial service company and licensed as a Microfinance Institution under the Central Bank of Tanzania (BoT) regulations. The main services offered by JML include:

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What they say about us

testimonials from our greatest clients

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