Join Us

The SMEAZ Savings and Credit Cooperative Society Limited is primarily a vehicle for members of the SME Association of Zimbabwe to access savings as well as credit/loan products. We also offer products to individuals, some of whom may be employees of MSME businesses, or others looking to obtain responsive savings and credit products.

You can either join as a Member, or as a non-member.

Membership categories and benefits:

We offer a range of savings as well as loan/credit products as indicated below. If you are primarily interested in savings, and would only have limited loan/credit requirements, you can join as a non-member. If you are running a business and would like to borrow in future, you would need to be a full member. Select the most appropriate category based on those considerations.


We have a wide range of savings products to suit the needs of individuals and MSME businesses.






Standard Monthly Savings

Mukando (Group products)

Medical Fund

Funeral Fund

Retirement Fund

Education Fund

Motor Vehicle Savings A/c

Housing Savings A/c

Targeted Savings A/c

Staff Medical Fund

Staff Funeral Fund

Asset Replacement Fund


The SMEAZ Savings and Credit Cooperative Society Limited (SMEAZ SACCOS) offers loan products as well as guarantees to members of the SACCOS.






Emergency Loans

School Fees Loans

Credit Guarantees (personal)

Funeral Fund

Car Loans

Housing Loans

Business Loans

  • Order Finance

  • Invoice Discounting

  • Working Capital Loans

  • Asset Finance Loans

Staff Loans

Credit Guarantees




The SMEAZ SACCOS is a regulated body registered under the Ministry of Women Affairs, Community & SME Development. Its funds and operations are controlled and overseen by strong independent committees drawn from its membership. Our products are safe, and tailored to meet your requirements as an SME.

Quick Contact

If you have any questions or need help, feel free to contact us.

+263 8677 240480

6th Floor Batanai Gardens,
57 Jason Moyo Avenue (Cnr First Street),
Harare, Zimbabwe