HESLB
Muongozo Na Sifa za Kupata Mkopo 2023/2,Sifa na Vigezo Kupata Mkopo
HESLB 2023,Jinsi ya Ku apply Mkopo HESLB 2023,Muongozo wa Mikopo
2023,HESLB Kitabu cha Muongozo PDF 2023,HESLB Loan Guidelines 2023/2024
GUIDELINES AND CRITERIA FOR ISSUANCE OF STUDENTS’ LOANS AND GRANTS FOR ACADEMIC YEAR 2023/2024
Recommended:
1.0 IMPORTANT INSTRUCTIONS TO ALL LOAN APPLICANTS
All loan applicants for Academic Year 2023/2024 are required to observe the following:-
(i) Read and follow application procedures stated in these Guidelines;
(ii) Ensure that the Form Four Index Number provided when applying for
loan matches with the one used in your application for admission to
University or College;
(iii) Applicants who sat for Form Four Examination more than once are required to list all Form Four Index Numbers;
(iv) All documents submitted to support application should be certified
by relevant authorities as specified in these Guidelines;
(v) Ensure that all birth/death certificates are certified by the
Registration, Insolvency and Trusteeship Agency (RITA), or Zanzibar
Civil Status Registration Agency (ZCSRA) to ascertain their validity;
(vi) Applicants born abroad should obtain a letter from RITA or ZCSRA to
validate birth information. For applicants whose parent(s) died abroad
should also obtain a letter from RITA to validate information provided;
(vii) Ensure that loan application form is dully filled and signed before submission;
(viii) Ensure that bank account details are properly filled in the
application form. It should be noted that, if successful, the supplied
bank details will be used to process payment, and therefore, they may
not be changed without prior notice to HESLB;
(ix) Applicants should provide a registered and reachable mobile phone
number. The provided mobile phone number will be used to inform the
applicant on the loan application progress; and
(x) All applicants must strictly observe the set application deadline.
Read Also:
GUIDELINES AND CRITERIA FOR ISSUANCE OF STUDENTS’ LOANS
2.0 OVERVIEW
These Guidelines applies to students who wish to apply for higher
education loans to facilitate their undergraduate studies in local
higher education institutions in academic year 2023-2024. In order to
allow students to apply, the application window for Academic Year
2023/2024 will be open from 15th July, 2023 through 15th October, 2023.
3.0 NEEDINESS AND ELIGIBILITY PARAMETERS
HESLB Act and regulations provide for general eligibility and criteria
for post- secondary financial assistance. Therefore, students admitted
in accredited higher education institutions will be subjected to the
following parameters: –
3.1 Primary Criteria for Financial Support
3.1.1 First year applicants
(i) A Tanzania citizen not older than 35 years at the time of application;
(ii) Full time admission into an accredited higher education institution in Tanzania including the Open University of Tanzania;
(iii) A complete and correct application through the Online Loan Application and Management System (OLAMS);
(iv) Must not have a formal or regular income from employment or established contract in either public or private sector;
(v) Proof to have repaid at least 25% of any previous loan received from
HESLB. This is applicable only to students ever dropped or discontinued
from studies;
(vi) Must have completed ACSEE or other equivalent qualifications within five (5) years, i.e. from 2019-2023 inclusive.
3.1.2 Primary Criteria for continuing loan beneficiaries (CLB) and first- time continuing applicants (FTCA)
For the purpose of these Guidelines, CLB are HESLB loan beneficiaries who are proceeding into second and subsequent years of studies. Further, FTCAs are continuing students who are not HESLB loans beneficiaries and they would wish to be considered for loans in the 2023/2024.
GUIDELINES AND CRITERIA FOR ISSUANCE OF STUDENTS’ LOANS
In addition to criteria under 3.1, for both CLBs and FTCAs to be
considered for loans; HESLB must receive approved academic progress
report from respective HEIs establishing that the applicant has
qualified/passed. Therefore, FTCAs are advised to consult Loan Desk
Officers at their respective institution for guidance.
3.2 Secondary Criteria Resource allocation parameters
To balance equity and national priorities, the following parameters will be applicable in the order of priority
3.2.1 The socio-economic status (SES)
(i) Orphanage
(ii) Household vulnerability such as TASAF or any other relevant national support schemes
(iii) Self and parent disability
(iv) Sex
(v) Parent/ guardian employment status
3.2.2 Ranking and awarding considerations
The following parameters will be used to determine weights for individual applicants: –
(i) National priority programs as detailed in program impact clustering under Section 4 of these Guidelines;
(ii) Academic performance based on entry qualification award(academic merit); and
(iii) Affirmative and inclusion parameters to respond to sex, geo- politics and union related ambitions.
3.3 Relevant documents to support application
The following are the key documents to support application: –
(i) Death certificate to prove orphanage (RITA or ZCSRA);
(ii) Self-Disability Form (SDF-1) endorsed by the District Medical
Officer (DMO) or Regional Medical Officer (RMO) or any designated
medical
Read Also:
GUIDELINES AND CRITERIA FOR ISSUANCE OF STUDENTS’ LOANS expert with recognized affiliations;
(iii) Parent Disability Form (PDF-2) endorsed by the District Medical
Officer (DMO) or Regional Medical Officer (RMO) or any designated
medical expert with recognized affiliations;
(iv) Corporate Sponsorship Form (SCSF-3) supporting financial assistance
received by applicant during pre-university/college schooling. SCSF-3
to be endorsed by applicant’s corporate sponsor;
(v) Household vulnerability evidence endorsed by approved District Social Welfare Officer;
(vi) Retirement letter endorsed by the last employer recognized by the National Pension Scheme;
(vii) Social Support Beneficiary’s number from Tanzania Social Action Fund (TASAF).
4.0 PROGRAMME CLUSTERS
All accredited degree programmes shall be categorized into three
clusters reflecting national priorities as defined in the National
Skills Development Strategy (NSDS). The NSDS provide six thematic areas
listed as high impact drivers towards attainment of the National
economic growth. These includes the following: –
(i) Agribusiness,
(ii) Tourism and hospitality,
(iii) Energy,
(iv) Transport and logistics,
(v) Construction and
(vi) ICT
4.1 Cluster One Programmes
(i) Education in Science Subjects: Physics, Chemistry, Biology, Mathematics ICT and Technical and Vocational Training;
(ii) Health Sciences (Doctor of Medicine, Dental Surgery, Veterinary
Medicine, Pharmacy, Nursing, Midwifery, Prosthetics and Orthotics,
Physiotherapy, Biomedicine, Biotechnology and Laboratory sciences,
Radiotherapy Technology);
(iii) Engineering sciences: Civil, Mechanical, Electrical, Mining,
Mineral and Processing, Textile, Chemical and Processing, Agriculture,
Food and
GUIDELINES AND CRITERIA FOR ISSUANCE OF STUDENTS’ LOANS
Processing, Automobile, Industrial, Maritime Transportation, Marine
Technology, Electronics and Telecommunication, and Bio- Processing and
Post-Harvest, Water and Irrigation, Aircraft Maintenance and Pilot
Engineering
(iv) Petroleum Geology, Petroleum Chemistry, Oil and Gas;
(v) ICT and Programming, Information Systems Management;
(vi) Actuarial and Data sciences;
(vii) Agriculture, Forestry, Animal Sciences and Production Management; and
(viii) Bachelor of Arts in Kiswahili.
(ix) Education in Technical and Vocational Training
4.2 Cluster Two Programmes
(i) Basic Sciences: Applied Zoology, Botanical, Chemistry, Physics,
Biology, Microbiology, Molecular Biology and Biotechnology, Fisheries
and Aquaculture, Aquatic Environmental Sciences and Conservation,
Geology, Mathematics and Statistics, Environmental Sciences,
Environmental Health, Wildlife and Conservation, Environmental and
Industrial Metrology; and
(ii) Lands and Valuation Sciences: (Architecture, Landscape and
Architecture, Interior Design, Building Survey, Building Economics,
Urban and Regional Planning, Land Management and Valuation and
Geospatial Technology.
4.3 Cluster Three Programmes
Humanities, Business Management and Social Sciences: Accountancy,
Marketing, Finance, Economics, Statistics, Environment, Community
Development, Social Welfare, Development studies, Sociology, Political
Sciences, Arts, painting, creative science, Music, Law and Legal
Studies,
Languages, Literature, Geography, Psychology, Anthropology, Archeology,
Media and Communications Studies., All new programmes received by HESLB
shall be included into the above- mentioned categories respectively.
5.0 MEANS TESTING, LOAN ITEMS AND AMOUNTS TO BE ALLOCATED
5.1 Means Testing System
Means Testing (MT) will be used to determine applicants’ neediness for
loan allocation based on tuition fee paid in CSEE, ACSEE and/or
equivalent qualifications including diplomas.
5.2 Loan Items and Maximum Amounts
Successful applicants will be financed a maximum amount equivalent to
established neediness. The established maximum lump sum will be
distributed in the loan items as per the following sequence; Meals and
Accommodation (MA), Tuition Fee (TF), Books and Stationery Expenses
(BS), Special Faculty Requirements (SFR), Research Expenses (RES) and
finally Field Practical
Training (FPT). HESLB may provide loans to cover all or some of the following items:-
5.2.1 Meals and Accommodation (MA)
MA maximum amount will be calculated at TZS. 10,000.00 per day during on campus training as per HEIs almanac for respective academic year.
5.2.2 Tuition fee rates
The maximum tuition fee of TZS 3,100,000.00 per annum based on the comparable rates charged by public institution.
5.2.3 Books and stationery expenses
A maximum of TZS 200,000.00 per annum for Books and Stationery may be granted to eligible and needy students
5.2.4 Special Faculty Requirement (SFR)
Subject to Means Testing results, applicant may be availed with Special
Faculty Requirement (SFR) loans up to 100% but only for study programmes
that require special faculty requirement items and only for specified
items as approved by TCU/NACTVET based on the rates
comparable to public institutions. Upon request, eligible and needy
students with disability may be considered for additional loan to carter
for assistance and special academic material requirements as may be
determined by HESLB.
5.2.5 Field practical training/Teaching Practical (FPT)
Field Practical Training/Teaching Practical (FPT) loans at the rate of
TZS 10,000.00 per day up to a maximum of 56 days in a year. HESLB may
provide such loans for those programmes that require Field Practical
Training (FPT) as recommended by the respective Higher Education
Institutions and approved by the Tanzania Commission for Universities
(TCU) and the National Council for Technical and Vocational Educational
Training (NACTVET).
5.2.6 Research Expenses
HESLB may provide 100% loans for Research expenses in selected fields
only, based on the rates applicable at public institutions and as may be
endorsed by either TCU or NACTVET. These fields include:-
Health Sciences
Engineering
Agriculture
Land Sciences
Other eligible undergraduate programmes may be given Research loans to
the tune of TZS 100,000.00 in their final year of study.
5.3 Continuing Students Who Are Loan Beneficiaries
All continuing loan beneficiaries shall be eligible for subsequent loan
allocation and disbursement after HESLB has received examination results
confirming the beneficiaries have passed and qualify to continue with
studies in subsequent year. Further, beginning academic year 2023/2024,
all SECOND YEAR STUDENTS will be REQUIRED to submit their National
Identification Number (NIN), the Registration number and the Bank
Account details before any disbursement is made to them through their
SIPA Account.
Read Also:
5.4 Payment Mode
Payments for MA, BS, FPT, SFR and RES items shall be made directly to
students while TF shall be paid to the respective Higher Education
Institutions (HEIs). All payments shall be effected after the students’
acknowledgement through prescribed method at respective Higher Education
Institution through verified bank account details provided during
application for loans. In the event a student does not sign or
acknowledge receipt of fund on time, the loan shall be returned to HESLB
after expiry of 30 days from the date the transaction information was
received at the Higher Education Institution and student notified
through mobile phone. The amount RETURNED shall not be paid back to a
student. However, the unpaid amount shall not be part of the
beneficiary’s debt. Any subsequent payments must be confirmed by the
respective HEI.
6.0 OTHER CONDITIONS
6.1 Liability of guarantors and parents
Parents/Guarantors are responsible for confirmation of correctness and
accuracy of information submitted in the application before signing.
GUIDELINES AND CRITERIA FOR ISSUANCE OF STUDENTS’ LOANS
Guarantors are expected to ensure that loans are repaid and must be
aware of the beneficiaries’ whereabouts until the loan is fully repaid.
In case of default, guarantors shall be responsible to settle the due
unpaid loan in full. An applicant is required to append Guarantor’s
passport size photo and a
certified copy of one of the following Identifications issued by
Government authorities of the United Republic of Tanzania and t h e
Revolutionary Government of Zanzibar:-
(i) National Identification card;
(ii) Voter’s registration card;
(iii) Driving License;
(iv) Tanzanian Passport; or
(v) Zanzibar Resident ID.
6.2 Loan Repayment
Upon completion of higher education studies, a loan beneficiary shall be
required to repay his/her loan in full or through monthly deductions of
not less than 15% of basic salary/income or a sum not less than TZS
100,000.00 a month for beneficiaries in full the informal sector. In
case of termination of studies, the total amount received shall be
repaid in full. All loans shall be subject to one-time 1% administration
fee on principal amount.
7.0 INTER-UNIVERSITY AND INTERNAL TRANSFERS
In the event a loan beneficiary transfers from one Higher Education
Institution to another or shift from one degree programme to another
within the same Higher Education Institution, loan transfer will be
executed upon receiving confirmation from relevant authorities. HESLB
shall not raise a duplicate loan payment to students who voluntarily
move to other Higher Education Institutions.
Transfers will not trigger upward changes on the initial loan amounts
allocated to individual beneficiaries unless the student was transferred
by authorities.
8.0 MODE OF APPLICATION
All loan applications will be done through Online Loan Application and
Management System (OLAMS). Applicants are REQUIRED to use the same Form
Four Index Number used while applying for admission. Upon completion of
online loan application process, applicant SHOULD print out the
application form and Loan Agreement. Thereafter, obtain appropriate
authentications, sign the forms, attach necessary documents. After
obtaining authentications, signing the form and attaching necessary
documents, the applicant will be required to upload necessary
attachments and signed pages (number 2 and 5) of the application form
into OLAMS
CLICK HERE TO APPLY FOR A LOAN
9.0 LOAN APPLICATION FEE
Applicants must pay a non-refundable, one-off application fee of TZS
30,000.00 using system generated control number vide bank (NMB, CRDB,
TCB, NBC) or mobile money networks (Airtel Money, AzamPesa, M-PESA,
TigoPesa) for details visit:
https://olas.heslb.go.tz.
10.0 LOAN APPLICATION DEADLINE
The Loan Application window for 2023/2024 opens on 15th July, 2023 to
15th October, 2023. These Guidelines are available in www.heslb.go.tz.
10.1 Publication of the list of Successful Loan Applicants
A list of successful loan applicants with their corresponding
allocations shall be published through the Student’s Individual
Permanent Account (SIPA) used during application or on HESLB website:
www.heslb.go.tz after Batch Approval.
11.0 APPEAL AGAINST AWARDED LOAN AMOUNTS
Unsatisfied applicant may complete and submit an appeal through Online
Appeal window which will be open from 15th-20th November, 2023 and
thereafter results will be communicated through SIPA.
Read Also:
12.0 INQUIRIES AND COMPLAINTS
Applicants or loan beneficiaries with inquiries or complaints will have
to follow procedures displayed in the loan application window’s
Helpdesk.
Issued by:-
THE EXECUTIVE DIRECTOR
JULY, 2023
