Tanzanias

Polls open in Tanzania’s election as key opponents barred | Elections News

President Samia Suluhu Hassan is expected to win the election as the two main opposition parties have been barred from taking part.

Polls have opened in Tanzania for presidential and parliamentary elections being held without the leading opposition party, as the government has been violently cracking down on dissent ahead of the vote.

More than 37 million registered voters will cast their ballots from 7am local time (4:00 GMT) until 4pm (13:00 GMT). The election commission says it will announce the results within three days of election day.

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President Samia Suluhu Hassan, 65, is expected to win after candidates from the two leading opposition parties were barred from standing.

The leader of Tanzania’s main opposition party, Chadema’s Tundu Lissu, is on trial for treason, charges he denies. The electoral commission disqualified Chadema in April after it refused to sign an electoral code of conduct.

The commission also disqualified Luhaga Mpina, the candidate for the second largest opposition party, ACT-Wazalendo, after an objection from the attorney general, leaving only candidates from minor parties taking on Hassan.

In addition to the presidential election, voters will choose members of the country’s 400-seat parliament and a president and politicians in the semiautonomous Zanzibar archipelago.

Hassan’s governing party Chama Cha Mapinduzi (CCM), whose predecessor party led the struggle for independence for mainland Tanzania in the 1950s, has dominated national politics since its founding in 1977.

Hassan, one of just two female heads of state in Africa, won plaudits after coming to power in 2021 for easing repression of political opponents and censorship that proliferated under her predecessor, John Magufuli, who died in office.

But in the last two years, rights campaigners and opposition candidates have accused the government of unexplained abductions of its critics.

She maintains her government is committed to respecting human rights and last year ordered an investigation into the reports of abductions. No official findings have been made public.

Tanzania
Pupils walk past a billboard for Tanzanian presidential candidate Samia Suluhu Hassan, of the ruling Chama Cha Mapinduzi party, in Arusha, Tanzania, on October 8, 2025 [AP]

Stifling opposition

UN human rights experts have called on Hassan’s government to immediately stop the enforced disappearance of political opponents, human rights defenders and journalists “as a tool of repression in the electoral context”.

They said more than 200 cases of enforced disappearance had been recorded in Tanzania since 2019.

A recent Amnesty International report detailed a “wave of terror” including “enforced disappearance and torture … and extrajudicial killings of opposition figures and activists”.

Human Rights Watch said “the authorities have suppressed the political opposition and critics of the ruling party, stifled the media, and failed to ensure the electoral commission’s independence”.

US crisis-monitoring group Armed Conflict Location & Event Data (ACLED) said the ruling CCM was intent on maintaining its status as the “last hegemonic liberation party in southern Africa” and avoiding the recent electoral pressures faced by counterparts in South Africa, Namibia and Zimbabwe.

In September 2024, the body of Ali Mohamed Kibao, a member of the secretariat of the opposition Chadema party, was found after two armed men forced him off a bus heading from Dar-es-Salaam to the northeastern port city of Tanga.

There are fears that even members of CCM are being targeted. Humphrey Polepole, a former CCM spokesman and ambassador to Cuba, went missing from his home this month after resigning and criticising Hassan. His family found blood stains in his home.

The Tanganyika Law Society says it has confirmed 83 abductions since Hassan came to power, with another 20 reported in recent weeks.

Protests are rare in Tanzania, in part thanks to a relatively healthy economy, which grew by 5.5 percent last year, according to the World Bank, on the back of strong agriculture, tourism and mining sectors.

Hassan has promised big infrastructure projects and universal health insurance in a bid to win over voters.

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NMB Bank: Driving Tanzania’s Digital Transformation

Global Finance (GF): What are NMB Bank’s recent milestones in driving digital transformation?

Kwame Makundi (KM): In 2024, NMB Bank showed its commitment to technological advancement by launching over 20 initiatives that support growth and improve its offering in terms of customer experience, financial inclusion and operational efficiency. The NMB Pesa Account is a good example. This digital and cardless account-opening solution was designed for low-income households to advance financial inclusion in rural areas. Requiring a small initial deposit, the bank onboarded over 354,000 accounts in 2024.

Another successful initiative was Mshiko Fasta, a digital micro-loan product that reduced turnaround time from around five days to under 10 minutes for non-collateralised loans. These cater mainly to small- and medium-sized businesses and entrepreneurs and are accessible from mobile devices.

NMB Kikundi is an affordable and accessible digital solution enabling customers to open group accounts instantly via their phones through NMB Mkononi and USSD services with no debit restrictions and zero transfer charges. Last year, 40,000 group accounts were onboarded.

We also created FlexMalipo, a tailored payment and bill management solution for schools and religious institutions. By helping to control payment cycles, reconciliation and real-time transaction visibility – at no cost – we onboarded more than 830 schools.

GF: How has this journey of innovation enhanced NMB Bank’s performance?

KM: Our digital transformation efforts have led to significant efficiency gains. For example, in 2024 branch transactions decreased by 10%, and we improved our cost-to-income ratio by 100 basis points, from 39% the year before. More specifically, our strategic investment in loan management and enhanced IFRS 9 systems led to a reduction in our loan loss ratio to 0.97% and non-performing loan ratio to 2.9% by the end of 2024.

GF: What are the key features of the NMB Mkononi app that also differentiate the bank?

KM: This app is distinctive from all other mobile banking apps in several ways. Firstly, it offers a personalised user interface and overall improved customer experience that allows for smooth navigation through a wide range of functions. Secondly, the app provides access to apply for and manage unsecured digital micro loans, including Mshiko Fasta and Salary Advance. The app also has enhanced security features, such as strengthened biometric authentication, for a safer experience. Lastly, the app offers several value-added services, from local and international fund transfers, to savings solutions, to paying bills and making withdrawals.

GF: What inspired NMB to develop digital loans for the local market?

KM: In response to evolving customer needs, we leveraged NMB Bank’s innovation strategy to offer instant, collateral-free credit solutions that are easily accessible anytime, anywhere. In addition to reducing turnaround times, eliminating paperwork and improving customer satisfaction, we can tailor loan amounts based on real-time data, which ensures customers receive credit that matches their financial capacity, therefore fostering trust and repeat usage.

GF: How has this digital lending proposition impacted Tanzania’s banking landscape?

KM: Through our digital loans, credit decisions are made by using multiple data sources, allowing underserved individuals to access formal credit for the first time. For customers, this has expanded access to formal financial services, reducing the reliance on informal lenders while supporting broader financial inclusion across Tanzania. Since NMB Bank launched the solution in 2022, we have disbursed over three million loans to one million previously underserved customers nationwide – from entrepreneurs and women, to food vendors and motorbike and taxi drivers.

GF: What’s next on your digital banking agenda?

KM: NMB Bank is exploring emerging technologies to maintain our competitive edge in an increasingly digitised market. Current initiatives include the strategic modernisation of our core banking system. This aims to spur business growth, enhance operational efficiency, foster innovation and strengthen IT risk management. We want to bring new products to markets faster.

We are also investing in AI and machine learning capabilities to drive faster and more informed decision-making, as well as greater personalisation and real-time analytics. Talent development is also a strategic goal, making the right hires in key IT and digital roles aligned with our long-term transformation agenda.

With these and other initiatives, NMB is addressing evolving customer needs by leveraging digital channels to deliver convenience, efficiency, enhanced customer satisfaction and greater financial inclusion.

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