Morogoro, TanzaniaMorogoro, Tanzania +255 755 385 610 info@jachmar.co.tz
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Empowering Tanzanians' Financial FutureKuimarisha Mustakabali wa Kifedha wa Watanzania

Access affordable loans with flexible repayment options. Our microfinance solutions are designed to help you achieve your personal and business goals.Pata mikopo rahisi wenye riba nafuu na mpangilio mzuri wa marejesho. Suluhu zetu za mikopo ndogo zimeundwa kukusaidia kufikia malengo yako ya kibinafsi na ya biashara.

Our Impact in TanzaniaAthari Yetu Tanzania

See how we're making a difference in communities across TanzaniaTazama jinsi tunavyofanya tofauti katika jamii nchini Tanzania

Local Business

Supporting Local BusinessesKuunga Mkono Biashara za Ndani

We've provided over 5,000 small business loans to entrepreneurs across Tanzania, helping them grow and create jobs.Tumetoa zaidi ya mikopo 5,000 kwa wajasiriamali nchini Tanzania, kuwasaidia kukua na kuajiri.

Farmers

Empowering FarmersKuwawezesha Wakulima

Agricultural loans helping farmers increase productivity and income through modern farming techniques.Mikopo ya kilimo inasaidia wakulima kuongeza tija na mapato kupitia mbinu za kisasa.

Education

Education FinancingUfadhili wa Elimu

Helping families afford quality education for their children through specialized loan programs.Kusaidia familia kulipia elimu bora kwa watoto wao kupitia programu maalum za mkopo.

Welcome to J-Achmar Financial Services LimitedKaribu J-Achmar Financial Services Limited

J-Achmar Financial Services Limited is a leading microfinance institution dedicated to providing financial solutions to individuals and small businesses across Tanzania. With over 15 years of experience, we have helped thousands of clients achieve their financial goals through our tailored loan products and financial education programs.J-Achmar Financial Services Limited ni taasisi ya mikopo inayojulikana kwa kutoa suluhu za kifedha kwa watu binafsi na biashara ndogo nchini Tanzania. Kwa uzoefu wa zaidi ya miaka 15, tumesaidia maelfu ya wateja kufikia malengo yao ya kifedha kupitia bidhaa zetu za mikopo na programu za elimu ya kifedha.

Our commitment to financial inclusion drives everything we do. We believe that every Tanzanian deserves access to fair and transparent financial services, regardless of their economic background.Ahadi yetu ya ujumuishaji wa kifedha inachochea kila tunachofanya. Tunaamini kwamba kila Mtanzania anastahili kupata huduma za kifedha zenye haki na uwazi, bila kujali hali yao ya kiuchumi.

Our VisionDhamira Yetu

To be the most trusted microfinance partner for Tanzanians, enabling financial independence and sustainable economic growth in the communities we serve.Kuwa mshirika wa mikopo anayeaminika zaidi kwa Watanzania, kuwezesha uhuru wa kifedha na ukuaji endelevu wa kiuchumi katika jamii tunazohudumia.

Our MissionLengo Letu

To provide accessible, affordable, and responsible financial services that empower our clients to improve their quality of life, grow their businesses, and achieve their dreams.Kutoa huduma za kifedha zinazopatikana, zenye riba nafuu na zenye uwajibikaji ambazo huwawezesha wateja wetu kuboresha maisha yao, kukuza biashara zao, na kufikia ndoto zao.

Our Leadership & Board of DirectorsUongozi Wetu na Bodi ya Wakurugenzi

Meet the dedicated team behind J-ACHMAR's vision and successKutana na timu iliyojitolea nyuma ya maono na mafanikio ya J-ACHMAR

Prof. Joshua Joseph Malago

Prof. Joshua Joseph Malago

CHIEF EXECUTIVE OFFICER (PROFESSOR OF FINANCE)MKURUGENZI MTENDAJI MKUU (PROFESA WA FEDHA)

With over two decades of experience in microfinance and economic development, Prof. Joshua Joseph Malago leads J-ACHMAR Financial Services Limited with a vision to transform financial inclusion across Tanzania.Kwa uzoefu wa zaidi ya miongo miwili katika mikopo midogo na maendeleo ya kiuchumi, Prof. Joshua Joseph Malago anaongoza J-ACHMAR Financial Services Limited kwa dhamira ya kubadilisha ujumuishaji wa kifedha nchini Tanzania.

"Financial empowerment is not just about lending — it's about building dreams. At J-ACHMAR, every loan represents a family's future, a growing business, or a child's education.""Uwezeshaji wa kifedha sio tu kuhusu kukopesha - ni kuhusu kujenga ndoto. Katika J-ACHMAR, kila mkopo unawakilisha maisha ya baadaye ya familia, biashara inayokua, au elimu ya mtoto."
— Prof. Joshua Joseph Malago, CEO
Dr. Marcelina Aloyce Baitilwake

Dr. Marcelina Aloyce Baitilwake

Non-Executive Director, Strategy & GovernanceMkurugenzi Asiye Mtendaji, Mkakati na Utawala
A distinguished expert in corporate governance and ethical finance, Dr. Marcelina brings over 15 years of experience shaping institutional policies.Mtaalamu mashuhuri wa utawala wa shirika na fedha za kimaadili, Dk. Marcelina ana uzoefu wa zaidi ya miaka 15 katika kuunda sera za kitaasisi.
Dr. Achsah Joshua Malago

Dr. Achsah Joshua Malago

Director of Community & ImpactMkurugenzi wa Jamii na Athari
Dr. Achsah leads financial literacy and outreach programs, enabling rural entrepreneurs and women-led businesses.Dk. Achsah anaongoza programu za elimu ya fedha na kufikia jamii, kuwawezesha wajasiriamali vijijini na biashara zinazoongozwa na wanawake.
Eng. Achbor Joshua Malago

Eng. Achbor Joshua Malago

Director of Operations & RiskMkurugenzi wa Uendeshaji na Hatari
Engineer Achbor ensures that J-ACHMAR's loan processes remain efficient, transparent, and customer-centric.Mhandisi Achbor anahakikisha michakato ya mkopo ya J-ACHMAR inabaki kuwa bora, ya uwazi, na inayomlenga mteja.

Why Choose J-Achmar Financial?Kwa Nini Kuchagua J-Achmar Financial?

Quick ApprovalIdhini ya Haraka

Get your loan approved within 24 hours with minimal documentation.Pata mkopo wako kuidhinishwa ndani ya masaa 24 kwa nyaraka chache.

Low Interest RatesViwango vya Chini vya Riba

Competitive interest rates that make borrowing affordable.Viwango vya riba vya ushindani vinavyofanya ukopaji kuwa nafuu.

Secure & ConfidentialSalama na ya Siri

Bank-level security for your personal and financial information.Usalama wa kiwango cha benki kwa taarifa zako za kibinafsi na kifedha.

Our Loan ProductsBidhaa Zetu za Mkopo

Personal LoansMikopo ya Kibinafsi

  • Up to TZS 10,000,000Hadi TZS 10,000,000
  • Flexible repaymentMarejesho rahisi

Business LoansMikopo ya Biashara

  • Up to TZS 50,000,000Hadi TZS 50,000,000
  • Customized plansMipango maalum

Education LoansMikopo ya Elimu

  • Covers tuitionInashughulikia ada
  • Grace periodMuda wa neema

Ready to Take the Next Step?Tayari Kuchukua Hatua Inayofuata?

Join thousands of satisfied clients who have achieved their financial goals with our support.Jiunge na maelfu ya wateja walioridhika ambao wamefikia malengo yao ya kifedha kwa msaada wetu.