GATARE TEA FARMERS (GTF)SAVINGS & CREDIT COOPERATIVE
GATARE TEA FARMERS SACCO turns the rhythm of the tea harvest into steady credit and savings for the growers of Karambi Sector — honest, sustainable, member-owned.
GATARE Tea Farmers Savings and Credit Cooperative Society is a financial institution organized under cooperative law, governed by Rwanda's cooperative and microfinance regulations, its by-laws, policies and procedures. The SACCO operates through five organs: the General Assembly, the Board of Directors, the Supervisory Committee, the Credit Committee, and Staff.
Founded by tea farmers themselves, the cooperative operates in Karambi Sector, Nyamasheke District, in Rwanda's Western Province — one of the country's deposit-taking microfinance institutions. It received its cooperative license from the Rwanda Cooperative Agency on 2 July 2014, and accreditation from the National Bank of Rwanda to provide financial services on 12 December 2014.
The Board of Directors reports annually to members, disclosing the cooperative's state of affairs together with audited financial statements — most recently for the year ended 31 December 2025.
To become the strongest, most profitable and sustainable financial institution among Rwanda's cooperatives — one that meaningfully changes the living conditions of its members, especially tea farmers.
To strengthen the economic base of the working population in our coverage area by offering savings and credit services that eradicate poverty and increase members' financial autonomy.
Contribute to improving the wealth of households by offering them quality financial services.
Become an independent, financially autonomous and sustainable microfinance institution.
Provide training that enables small entrepreneurs to seize economic opportunities and develop income-generating projects.
Widen access to credit with services tailored to the real needs of our target group.
Secure our sustainability by diversifying financial resources alongside new technology and professionalism.
Eight lending lines, each priced for a different season of a farming household's needs — from quick cash to land and construction financing.
From everyday deposits to accounts built for children, health cover and long-term interest.
Ordinary savings account for day-to-day deposits and withdrawals.
Term savings account for members building toward a fixed goal.
Children's savings account, opened by parents or guardians.
Interest-earning savings account for growing a balance over time.
Mutuel de Santé — health-cover savings account for members.
In line with BNR's requirement that every microfinance institution display its tariffs publicly, here is our current, unabridged pricing.
| Product | Billing | Rate |
|---|---|---|
| Quick Loans | Monthly | 2.5% |
| Land Loan | Monthly | 1.5% |
| Construction Loans | Monthly | 1.5% |
| Commerce | Monthly | 1.5% |
| Salary Advances | Monthly | 1% |
| Mobile Loan | Monthly | 5% |
| Umurabyo | Monthly | 2% |
| Tinyuka Wigire Munyarwanda Kazi | Monthly | 1% |
Rates apply to the outstanding balance and are reviewed by the Board of Directors. Speak with a Loan Officer for a personalised repayment schedule.