Inuka Malkia and Fahari Malkia Programs
Victoria Finance remains committed to advancing women’s economic empowerment by supporting enterprises that actively contribute to value addition and income growth. Through the Inuka Malkia and Fahari Malkia programs, the institution delivers targeted financial solutions that respond to the distinct realities of women entrepreneurs in non‑agricultural value‑adding businesses and agribusiness value chains. These programs are aligned with TAMFI’s mission of inclusive, responsible, and impactful microfinance.
Our Vision and Mission
Victoria Finance’s vision is to become a leading innovative financial services provider, recognized for excellence and transformative impact in the region.
Our mission is to deliver tailored, high-impact financial solutions that empower individuals and enterprises to achieve economic independence and long-term success. Women empowerment through enterprise development and value addition is a core strategic priority, that ensures our women led businesses from our targeted customers are well attended to in line with special realities of our customers.
Fahari Malkia: Agribusiness Value‑Addition Activities
Fahari Malkia targets women‑led agribusinesses involved in agricultural value addition, rather than primary production alone. Supported activities include agro‑processing, cleaning and grading, packaging, storage and preservation, milling, food processing, and other transformations that increase the shelf life and market value of agricultural products. The program prioritizes women who are transitioning from selling raw produce to engaging in higher‑income segments of the agricultural value chain.
Through Fahari Malkia, women agripreneurs are empowered to reduce post‑harvest losses, stabilize incomes across seasons, and strengthen their participation in local and regional food markets.
Inuka Malkia: Non‑Agricultural Value‑Adding Activities
Inuka Malkia is designed for women entrepreneurs engaged in non‑agricultural value‑adding economic activities. These activities include light manufacturing, processing and packaging, tailoring and garment finishing, retail businesses with transformation components, beauty and personal care services, food vending with processing elements, and other small production or service enterprises that enhance product or service value. The program supports women who are moving beyond basic trading to enterprises that generate higher margins, stronger cash flows, and employment opportunities.
By focusing on value addition outside agriculture, Inuka Malkia enables women to strengthen competitiveness, improve quality standards, and access higher‑value markets while promoting business formalization and sustainability.
Financing Offered Under Both Programs
Across Inuka Malkia and Fahari Malkia, Victoria Finance offers two main financing solutions tailored to business needs. Working capital loans are provided to support day‑to‑day operations such as inventory purchase, raw materials, wages, and operational expenses, ensuring business continuity and cash‑flow stability. In addition, medium‑term loans for capital expenditure (CAPEX) enable clients to invest in productive assets such as machinery, processing equipment, tools, storage facilities, and business infrastructure.
This dual‑financing approach ensures that women entrepreneurs can both operate their businesses effectively and invest strategically for growth and long‑term value creation.
Client Testimonials and Success Stories
“Through Inuka Malkia, I accessed working capital to stabilize my business and later a medium‑term loan to buy equipment. My production capacity has increased, and I now operate with confidence and clear plans, by Elizabeth Edward Rugenga”
“Fahari Malkia enabled me to invest in agro‑processing equipment. I no longer sell raw produce; I sell packaged products with better prices and consistent demand, by Rosse Yohana Mganga”
These success stories demonstrate how targeted financing for value addition translates into income growth, employment creation, and improved household stability.
Value Proposition to Our Clients
Victoria Finance’s value proposition is built on purpose‑driven financing that matches real economic activities. Clients benefit from tailored loan products that combine flexibility, affordability, and alignment with business cash flows, supported by close relationship management through dedicated field officers. Beyond financing, Victoria Finance emphasizes partnership, dignity, and continuous engagement, ensuring women entrepreneurs are supported to grow responsibly, invest confidently, and build sustainable enterprises.
This integrated approach positions Victoria Finance not just as a lender, but as a long‑term development partner for women in business.
Our Touch Points and Reachability
Victoria Finance maintains strong client engagement through multiple touch points including physical branches and service offices, community‑based field officers, customer service communication channels, and official digital and social media platforms. These channels ensure accessibility, timely support, and continuous interaction with clients. By staying close to the communities we serve, Victoria Finance strengthens trust and service quality.
Call to Action: Karibu Victoria Finance!
Victoria Finance invites women entrepreneurs engaged in value-adding non‑agricultural businesses and agribusiness processing to visit our offices and explore Inuka Malkia and Fahari Malkia. Whether seeking working capital or financing for business assets, our solutions are designed to support growth with dignity and pride.
About Victoria Finance
Victoria Finance Plc (VFP) is a non-deposit taking and regulated Microfinance Institution with a special focus on Empowering Communities through Financial Inclusion via microfinance products and services to low-income households, small holders’ farmers, MSMEs, agribusinesses, Youth, Rural Communities, and women entrepreneurs with the main target being the underserved communities. Further, VFP is registered with Dar es Salaam Stock Exchange (DSE) under Acceleration Window. Victoria Finance is currently operating across Tanzania with seven branches i.e. Kijitonyama and Mbezi Branch in Dar es Salaam, Morogoro and Dakawa Branch in Morogoro, Mafinga branch in Iringa, Madibira Branch in Mbeya and Dodoma Branch in Dodoma. In addition, we also serve our Tandahimba clients through agents and direct engagement with the Program office at Head office.
As an active member of TAMFI, Victoria Finance remains committed to inclusive finance that produces measurable economic impact. Through Inuka Malkia and Fahari Malkia, women are empowered to add value, strengthen enterprises, and contribute meaningfully to Tanzania’s economic development.
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