Transaction history isthe new credit file.
Bank-backed credit files miss the people who keep Dar es Salaam moving. Jumla Capital underwrites youth and small businesses on what the ecosystem already sees — deliveries completed, repayments met, hustle proved.
Earn, hold, borrow, level up.
Jumla Wallet
Hold value, settle instantly and pay for food, services, shop and parcels from one balance. No card needed, ever.
Cashback & boosts
Every order earns back. Promotions boost cashback on specific vendors, hours or neighbourhoods.
Micro-loans
Small working-capital bursts disbursed from real platform activity, repaid through wallet or cash.
Credit profile
A score built on deliveries completed, repayments met and consistency — portable proof for bigger loans.
0
users credit-scored
0
credit snapshots taken
0
pilot micro-loans
0
defaults to date
Renting keeps you
stuck. Owning scales you.
Most bodaboda and delivery riders rent their bikes daily, surrendering up to half their income to ownership they'll never reach. Our bike-loan programme flips that — financing electric and petrol bikes through group cohorts, with repayment collected from the riders' own delivery earnings.
- Youth Union cohorts of 5–10 riders with leader, treasurer and secretary roles
- Repayments collected automatically from delivery earnings — before temptation
- Every repayment feeds the rider's credit profile in real time
- Electric-bike + battery-swap option as the fleet electrifies
TZS 1.8M bike
≈ TZS 35,000 / week · 52 weeks
Ubungo Union, cohort 1
6 riders · leader · treasurer · secretary
Battery swap network, coming with it
E-bike financing pairs with our swapping-station model to cut running costs again.
Bike financing
Build a repayment plan
Repayment term
Indicative weekly
TZS 35,000
Indicative only. Final terms depend on cohort and credit assessment.
From renter to owner in three moves.
Join a cohort
Riders join through a Youth Union cohort. We handle onboarding, training and safety checks with our partners.
Ride and earn
A trial period on the platform builds a real earnings record — the collateral is your output, not your paperwork.
Own the bike
Financing unlocks at cohort stage 2. Weekly repayments run off delivery earnings until the bike is fully yours.
Applications open through partner Youth Unions and municipal councils. Tell us about your cohort and we'll come back with the onboarding window.
100% repayment record in pilot