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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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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Short-term loans designed to meet urgent financial needs, such as medical emergencies, urgent repairs, or unforeseen crises.
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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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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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Loans offered to groups of individuals who come together to borrow collectively and share responsibility for repayment.
See MoreWe 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.
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:
Read More"This microfinance company transformed my business! With their affordable loan, I expanded my shop and increased my income. The process was smooth, and the team was very supportive."
"I struggled to get funding from big banks, but this company believed in me. Their loan helped me start my business, and today, I am financially independent. I highly recommend their services!"
"Thanks to their flexible loan options, I was able to buy farming equipment and boost my harvest. The repayment plan is fair, and the customer service is excellent!"
"I love how quick and easy their loan application process is. Within a few days, I had the funds I needed to stock up my shop. Their team truly understands small businesses!"
