Effective Date: 09 July 2026
Every member must contribute a minimum of TZS 10,000 per month as savings. Contributions must be made by the 15th of each month.
Members are required to attend all scheduled meetings. Late arrival (after 15 minutes) will attract a fine of TZS 2,000.
All loans must be repaid within the agreed period. Late repayment attracts a penalty of 5% of the installment amount.
Members must respect each other and maintain confidentiality regarding group matters and financial status of other members.
Failure to comply with group rules may result in disciplinary actions including fines, suspension, or expulsion from the group.
All financial transactions must be properly documented. Members have the right to request financial reports at any time.