Who we are
A co-operative owned by the people who use it.
Umoja began as a group of market traders who saved together and lent to one another. Today it serves farmers, traders, teachers and families across the region — but it is still run on the same rule: one member, one vote.
Sample story — replace it with your own. Umoja is fictional; we do not invent a history, a licence, a regulator or member numbers.
How we are run
- One member, one vote at the annual general meeting
- A board elected by members every year
- Accounts audited every year and shared with members
- Loan decisions by a committee, on written criteria
- Surplus returned to members, as members vote
| Branch | Address | Hours |
|---|---|---|
| Head office | Sample Road, Morogoro | Mon–Fri 08:00–16:30, Sat 09:00–13:00 |
| Dodoma branch (sample) | Market Street, Dodoma | Mon–Fri 08:30–16:00 |
| Iringa branch (sample) | Station Road, Iringa | Mon–Fri 08:30–16:00 |