MFI. Akiba Commercial Bank Ltd. is an initiative of five Tanzanian businessmen and -women, started in 1993. All existing banks were either interested in big enterprises or trade service and they were not oriented towards medium and small enterprises. The demand for micro loans in Dar es Salaam is still quite high and not satisfied by current supply. Main competition comes from NGOs like PRIDE and from NMB and up to a certain extent CRDB. Compared to NGOs Akiba has the advantage that it is a fully licensed bank and can offer savings products as well.