Register online
Fill in the registration form with your national ID, phone and the amount you want to invest. You receive a unique member coupon.
Investment levels
Your level sets your monthly return
Capital is pooled into verified projects. Your membership level determines your monthly return, as set by the Capital Manager and stated in your investment agreement.
| Level | Contribution Range | Monthly Return | Agreement Term |
|---|---|---|---|
| Level I | 300,000 – 999,999 TZS | 18% | 6 months |
| Level II | 1,000,000 – 9,999,999 TZS | 13% | 6 months |
| Level III | 10,000,000 TZS and above | 9% | 6 months |
Each level runs a fixed 6-month agreement at its stated monthly rate — 18% (Level I), 13% (Level II), 9% (Level III). The minimum contribution is 300,000 TZS; Level III has no upper limit.
Worked examples
| You invest | Level | Return each month | Returns over 6 months | At the end of the agreement |
|---|---|---|---|---|
| TZS 500,000 | Level I (18%) | TZS 90,000 | TZS 540,000 | Your TZS 500,000 capital is repaid |
| TZS 2,000,000 | Level II (13%) | TZS 260,000 | TZS 1,560,000 | Your TZS 2,000,000 capital is repaid |
| TZS 15,000,000 | Level III (9%) | TZS 1,350,000 | TZS 8,100,000 | Your TZS 15,000,000 capital is repaid |
Examples assume monthly payouts for a full six-month agreement. If you choose a single payment at the end, you receive your capital plus all six months' returns together when the agreement ends.
Your journey
From registration to your final payment
Pay your contribution
Pay by mobile money (you approve a request on your own phone) or by bank deposit. MEGA confirms the payment before anything else happens.
How to Pay MEGAReceive your agreement
Once your payment is confirmed you receive a digitally signed six-month investment agreement. Check its signature yourself on our verification page.
Your guarantee is assigned
Within 7 working days MEGA's surveyor assigns a guarantee over a real, surveyed asset. You can see it in your member portal.
Earn every month
Your return is credited after each month-end and paid on the following weekend, after Finance approval. Every payment carries a bank or mobile-money reference.
Your agreement ends
When the six months end, your capital is repaid within 7 days. You can then reinvest under a new agreement if you wish.
Two rules every investor should know
Your guarantee, and the day your agreement starts
These rules are built into MEGA's system. Your member portal applies them automatically, and every step is recorded.
Asset guarantee
7 working days, an extension, or a refund
- The clock starts on the day your agreement is approved. That is the day your payment is confirmed and your agreement is issued.
- Working days are Monday to Friday. Saturdays and Sundays are not counted.
- Within 7 working days, MEGA's Surveyor assigns your guarantee. It is a guarantee over a real, surveyed asset. Your portal shows the asset, its value, a map of its location and the government officer involved. While you wait, the portal shows the days remaining.
- If 7 working days pass with no guarantee, you choose:
Accept a further 7 working days
A new count of 7 working days starts on the day you accept. If it also passes with no guarantee, you get the same choice again.
Decline and request a refund of your capitalYour request goes straight to the Capital Manager as an urgent task. There is no penalty, because the delay is MEGA's, not yours.
- You can request a refund only after the waiting period has passed. That means the first 7 working days, or any extension you accepted. Your guarantee must still be unassigned. You can have only one pending refund request at a time.
Example
| What happens | Day |
|---|---|
| Agreement approved | Wednesday |
| 7 working days complete (Thursday, Friday, then Monday to Friday of the next week) | Friday of the following week |
| Still no guarantee: you accept the extension on Monday | Monday |
| Extension ends; if there is still no guarantee you may request a refund | Wednesday of the following week |
Effective date
When your agreement becomes active
- First, your payment is confirmed and MEGA's approvers approve your agreement. That is when your effective date is set.
- Approved on a Monday: your agreement becomes effective that same Monday.
- Approved on any other day (Tuesday to Sunday): it becomes effective on the next Monday. That is the Monday of the following week.
- Your 6-month term counts from the effective date. Monthly returns and the agreement's end date are counted from that day, not from the approval day.
- You are told by SMS and in your portal. The approval message states the exact date your agreement becomes effective.
Approval day and effective date
| Approved on | Becomes effective |
|---|---|
| Monday | The same Monday |
| Tuesday, Wednesday, Thursday or Friday | Monday of the following week |
| Saturday or Sunday | The next Monday |
Note: the 7 working days for your guarantee count from the approval day, not the effective date. Your guarantee can often be ready before your agreement becomes effective.
How your capital is protected
Safeguards built into every step
Guarantee
After approval you receive a signed agreement and a guarantee document.
Monthly payouts
Returns are credited monthly and viewable in your member portal.
Governance
Internal audit and Board oversight on all capital allocation.
Two people approve every payment
No single person can move investor money. Payouts are prepared by the system, approved by the CFO and paid by the Capital Manager with a recorded reference.
Documents you can verify
Agreements, receipts and letters carry digital signatures you can check yourself, so no one can send you a fake MEGA document.
Verify a documentYour own member portal
Your agreement, guarantee, every payout and its reference, your referral link and your documents, available 24 hours a day.
Sign in
Know the risks
Read this before you invest
Investments are risk-bearing. Not a bank deposit; no fixed guarantee of returns.
- Returns come from real agriculture, real estate and engineering activity, which can be affected by weather, markets and costs.
- Only invest money you can commit for the full six months.
- Keep your login details private. MEGA staff will never ask for your password, PIN or one-time code.
- Pay only through the payment request in your own portal or MEGA's official accounts.
Questions
Investor questions, answered
Can I choose to be paid at the end instead of monthly?
Yes. At registration you choose monthly payouts or a single payment at the end of the agreement. With the single payment you receive your capital plus all six months' returns together.
When exactly are payouts made?
Your return is credited after each calendar month-end and paid on the following weekend, once Finance has approved it. You see the date, amount and payment reference in your portal.
What happens if no guarantee is assigned?
A guarantee should be assigned within 7 working days (Monday to Friday) of your agreement's approval. If it is not, you choose: accept a further 7 working days, or request a refund of your capital with no penalty. See the guarantee card above.
Can I invest more later?
Yes. Contact us or use your member portal; an additional amount follows the rules of the level it qualifies for.
How do referrals work?
After your agreement has run for a month you receive a personal referral link. When someone you refer invests, you earn 5% of their investment once MEGA confirms the referral is genuine.