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20640, Dar es Salaam Mon – Frd, 08:00AM – 04:00PM info@sccult.tz +255 222 185 548/9
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The Savings and Credit Cooperative Union League of Tanzania (SCCULT) 1992 LTD

Umbrella for SACCOS in Tanzania
Who We Are

About SCCULT (1992) LTD

The Savings and Credit Cooperative Union League of Tanzania (SCCULT (1992) LTD) is the umbrella organization for SACCOS in Tanzania Mainland, committed to promoting, representing and supporting the sustainable development of the cooperative financial sector.

Our Background Vision & Mission
Home About Us Overview
Established 1992 The Umbrella Organization for SACCOS

Supporting cooperative institutions through representation, education, advocacy, financial and technical assistance.

SCCULT (1992) LTD
1992 Year Established
Cooperative Movement Building a stronger and more sustainable SACCOS movement in Tanzania Mainland.
1.1 Background

A Legacy Built Around the SACCOS Movement

The Savings and Credit Cooperative Union League of Tanzania (SCCULT (1992) LTD) is the umbrella organization for SACCOS in Tanzania Mainland.

SCCULT was established in 1992 under Cooperative Act No. 15 of 1991 and was given Registration No. 5480. At its establishment, 205 SACCOS became founder members and deposited savings amounting to Tshs 2M.

The organization started with capital of Tshs 0.243M and continued to grow over the years. By 2014, capital had reached Tshs 162.37M in terms of shares and Tshs 4.33Bn in terms of CFP deposits.

The operations of SCCULT attracted increasing membership, growing from 205 members to 1,247 in 2014. Its affiliates represented approximately 22.6 percent of the 5,500 SACCOS existing in Tanzania Mainland at that time.

Institutional Registration Cooperative Act No. 15 of 1991 · Registration No. 5480
205+ Founder SACCOS Members
1,247+ Members by 2014
22.6% Share of SACCOS Affiliates
5,500+ SACCOS in Mainland Tanzania
Objects & Functions

Our Mandate and Institutional Functions

The general object of SCCULT (1992) LTD is to promote and support the development of Savings and Credit Cooperative Societies (SACCOS) in Tanzania.

Education & Training

Provide education, training and capacity development to SACCOS members, leaders and institutions.

Representation & Advocacy

Represent SACCOS in relevant forums while advancing lobbying and advocacy for cooperative development.

Savings & Loan Services

Support savings mobilization and loaning activities that contribute to sustainable cooperative finance.

Research

Undertake and support research that contributes to knowledge, innovation and improved SACCOS performance.

Supplies & Equipment

Facilitate access to stationery, equipment and other essential resources required by SACCOS.

Accounting Services

Provide accounting-related services and technical support to strengthen financial management.

Strategic Framework

Strategic Pillars 2025–2027

During the three-year plan period, SCCULT (1992) LTD will focus on strategic interventions aimed at strengthening membership, digital transformation, sustainability, governance, risk management and institutional visibility.

2025 — 2027
01

Membership Growth

Promote membership growth, strengthen service delivery and provide responsive technical support to SACCOS.

02

Digitalization

Implement, promote and supervise the digitalization of cooperative operations and services.

03

Financial Growth

Strengthen financial growth, sustainability and institutional capacity to support long-term development.

04

Compliance & Risk

Strengthen compliance, risk management and appropriate controls across institutional operations.

05

SDGs & Climate Action

Enhance sustainable development through inclusion, empowerment and attention to climatic change.

06

Governance & Capacity

Strengthen governance, leadership and organizational capacity for effective institutional performance.

07

Marketing & Public Relations

Strengthen institutional marketing, communication and public relations to enhance SCCULT visibility and engagement.

SCCULT Members
Our Purpose Promoting and supporting the development of SACCOS in Tanzania.

Our Vision

To be the leading credit union in Africa that promotes financial inclusion.

Our Motto Strong SCCULT (1992) LTD, for SACCOS Welfare.

Our Mission

To empower and develop SACCOS through lobbying, advocacy, financial and technical assistance.

3.3 Core Values

The Values Behind Our Work

SCCULT (1992) LTD is guided by values that shape its daily operations, institutional culture and commitment to SACCOS.

Professionalism

We perform our duties in accordance with set standards and procedures.

Teamwork

We value every member’s contribution and work collectively to achieve our objectives.

Innovation

We are open to learning and doing new things to continuously improve our services.

Member Service

We provide our members with the highest level of service and respect. Our members always come first.

3.4 Core Management Principles

Guided by Cooperative Principles

SCCULT (1992) LTD conducts its business in accordance with the ICA Co-operative principles, reinforcing democratic participation, member ownership, independence, education and cooperation.

01
Voluntary & Open Membership
02
Democratic Administration
03
Member Economic Participation
04
Continuous Education
05
Independence & Autonomy
06
Concern for the Community
07
Cooperation Among Cooperatives
Know SCCULT

Frequently Asked Questions

Learn more about SCCULT, its background, mandate, strategic direction and role in supporting SACCOS across Tanzania Mainland.

SCCULT (1992) LTD is the umbrella organization for SACCOS in Tanzania Mainland. Its general object is to promote and support the development of Savings and Credit Cooperative Societies in Tanzania.

SCCULT (1992) LTD was established in 1992 under Cooperative Act No. 15 of 1991 and was given Registration No. 5480.

SCCULT's mandate includes education and training, representation in relevant forums, savings mobilization and loaning, research, supply of stationery and equipment, accounting services, lobbying and advocacy.

To be the leading credit union in Africa that promotes financial inclusion.

SCCULT's core values are Professionalism, Teamwork, Innovation and Member Service.

The strategic pillars cover membership growth and service delivery, digitalization, financial growth and sustainability, compliance and risk management, SDGs and climate action, governance and organizational capacity, and institutional marketing and public relations.
SCCULT Training and Capacity Development
Capacity Development Empowering people, strengthening institutions and advancing the cooperative movement.
Strong SCCULT (1992) LTD

Stronger SACCOS, Stronger Cooperative Movement

SCCULT (1992) LTD continues to promote and support the development of SACCOS through advocacy, education, technical assistance, financial support, innovation and institutional development.

Connect With SCCULT

SCCULT (1992) LIMITED

Umbrella for SACCOS in Tanzania

Supporting SACCOS through professional services, innovation, capacity building and digital transformation for sustainable cooperative development.

Quick Links
Contact Information
Office Address Ushirika Tower, Lumumba Street,
16th Floor, Dar es Salaam, Tanzania Phone +255 222 185 548/9 Email info@sccult.tz
Working Hours Mon – Sat, 08:00AM – 04:00PM
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