KamiliaPesa- Mkopo wa Digitali
ANOWIN
Unlike traditional market loan products, KamiliaPesa does not require a pay slip, a guarantor, or a mortgage. Many Tanzanians with a living wage (small traders, street vendors, self-employed workers) are turned away by banks because they do not have traditional employment documents. We believe that your daily financial activities reflect your creditworthiness more than any piece of paper.
Product Introduction:
Maximum Loan Amount: TZS 800,000
Loan Term: 91-180 days
Maximum Annual Interest Rate: 30%
Daily Interest Rate: Approx. 0.082%
No Hidden Fees
Example Loan Estimate
Feature Description
Loan Amount TZS 800,000
Loan Term 91 Days
Daily Interest 0.082%
Interest Calculation:
TZS 800,000 × 0.082% × 91 = TZS 59,696
Total Payment:
TZS 800,000 + TZS 59,696 = TZS 859,696
Monthly Repayments (3 installments):
Approx. TZS 286,565 / month
Our Differences from Other Products in the Market:
1. Fair Loan Assessment
Traditional banks rely on payslips and employment contracts, which deprives many Tanzanians of the opportunity to get a loan. KamiliaPesa uses intelligent technology to assess your mobile payment activities - your real economic activities speak for themselves, not employer documents.
2. Super Fast Approval
Other products in the market take days to hours to approve a loan. KamiliaPesa provides approval within 5 minutes, and money is in your account in seconds. Because we understand that urgent needs are not worth waiting for.
3. For Many Forgotten Customers
More than 85% of Tanzanian small businesses still use traditional accounting methods, and it is difficult to access formal financial services. KamiliaPesa reaches out to self-employed workers, small traders, bodaboda drivers, and other groups without formal employment - you don't have to be a civil servant to get a loan.
4. Flexible Term Mortgage
The repayment term is 91-180 days at your option, allowing you to plan according to your cash flow. You can pay in installments of 3 to 6 months, reducing the burden of monthly payments.
Easy Application Process:
Quick Download:
Download the app from Google Play Store
Quick installation and simple interface
Instant Registration:
Enter your phone number
Verify with the code you received
Your account is activated instantly
Easy Filling:
Short and clear form
Step-by-step guide
Quick Verification:
Intelligent assessment based on your payment activities
No need to submit paper documents
Get a response within 5 minutes
Instant Money Access:
Money goes into your mobile wallet in seconds
Supports M-Pesa, Tigo Pesa, and Airtel Money
Loan Eligibility Requirements:
Basic Requirements:
Tanzanian citizen over 18 years of age
Resident in Tanzania
Income Proof (Non-Usual):
No need for a pay slip or contract employment
Required to have active transaction records on your mobile wallet (M-Pesa/Tigo Pesa/Airtel Money)
Payment transactions will be used as the basis for credit assessment
Payment Methods:
A fully active M-Pesa account
A fully active Tigo Pesa account
A registered Airtel Money
Contact Us:
Email: help@anowinmicro.com
Service Hours: Monday to Friday, 09:00 - 18:00
Address: Arusha Region, Arusha CBD District, Sekei Ward, Postal Code 23101, India Road, Simeon Road, Plot No. 33, Block E, House No. 11.
Product Introduction:
Maximum Loan Amount: TZS 800,000
Loan Term: 91-180 days
Maximum Annual Interest Rate: 30%
Daily Interest Rate: Approx. 0.082%
No Hidden Fees
Example Loan Estimate
Feature Description
Loan Amount TZS 800,000
Loan Term 91 Days
Daily Interest 0.082%
Interest Calculation:
TZS 800,000 × 0.082% × 91 = TZS 59,696
Total Payment:
TZS 800,000 + TZS 59,696 = TZS 859,696
Monthly Repayments (3 installments):
Approx. TZS 286,565 / month
Our Differences from Other Products in the Market:
1. Fair Loan Assessment
Traditional banks rely on payslips and employment contracts, which deprives many Tanzanians of the opportunity to get a loan. KamiliaPesa uses intelligent technology to assess your mobile payment activities - your real economic activities speak for themselves, not employer documents.
2. Super Fast Approval
Other products in the market take days to hours to approve a loan. KamiliaPesa provides approval within 5 minutes, and money is in your account in seconds. Because we understand that urgent needs are not worth waiting for.
3. For Many Forgotten Customers
More than 85% of Tanzanian small businesses still use traditional accounting methods, and it is difficult to access formal financial services. KamiliaPesa reaches out to self-employed workers, small traders, bodaboda drivers, and other groups without formal employment - you don't have to be a civil servant to get a loan.
4. Flexible Term Mortgage
The repayment term is 91-180 days at your option, allowing you to plan according to your cash flow. You can pay in installments of 3 to 6 months, reducing the burden of monthly payments.
Easy Application Process:
Quick Download:
Download the app from Google Play Store
Quick installation and simple interface
Instant Registration:
Enter your phone number
Verify with the code you received
Your account is activated instantly
Easy Filling:
Short and clear form
Step-by-step guide
Quick Verification:
Intelligent assessment based on your payment activities
No need to submit paper documents
Get a response within 5 minutes
Instant Money Access:
Money goes into your mobile wallet in seconds
Supports M-Pesa, Tigo Pesa, and Airtel Money
Loan Eligibility Requirements:
Basic Requirements:
Tanzanian citizen over 18 years of age
Resident in Tanzania
Income Proof (Non-Usual):
No need for a pay slip or contract employment
Required to have active transaction records on your mobile wallet (M-Pesa/Tigo Pesa/Airtel Money)
Payment transactions will be used as the basis for credit assessment
Payment Methods:
A fully active M-Pesa account
A fully active Tigo Pesa account
A registered Airtel Money
Contact Us:
Email: help@anowinmicro.com
Service Hours: Monday to Friday, 09:00 - 18:00
Address: Arusha Region, Arusha CBD District, Sekei Ward, Postal Code 23101, India Road, Simeon Road, Plot No. 33, Block E, House No. 11.
Developer email
help@anowinmicro.com
Current version
1.0.0
Android version
7.0
Screenshots
