Zigama Credit and Savings Bank


Zigama Credit and Savings Bank (ZCSB) is a microfinance bank in Rwanda and it is one of the financial institutions licensed by the National Bank of Rwanda, the national banking regulator.


ZCSB was established in 1997 as Zigama Credit & Savings Society (ZCSS), also referred to as Zigama CSS, with its primary mission to serve the welfare of Rwanda’s military families. In 2011, the institution received a commercial banking license and rebranded to its current name. Since Its formation, the cooperative bank has accepted membership from Rwanda Police Force and Rwanda Correctional Services.


The bank is a licensed cooperative bank, serving its members in Rwanda. As of December 2012, the total asset valuation of the institution was in excess of US$143 million (RWF: 90 billion).


As of December 2011, the detailed shareholding in the stock of Zigama Credit and Savings Bank are not publicly known. The bank is majority owned and administered by members of the Rwanda Defense Forces.

Branch network

As of December 2011, ZCSB maintains branches at the following locations:

Main Branch – Kimihurura, Kigali

Nyarugenge Branch – Nyarugenge, Kigali

Kacyiru Branch – Kacyiru, Kigali

Kanombe Branch – Kanombe, Kigali

Kibungo Branch – Kibungo, Ngoma District

Butare Branch – Butare, Huye District

Ruhengeri Branch – Ruhengeri, Musanze District

Cyangugu Branch – Cyangugu, Rusizi District

Gisenyi Branch – Gisenyi, Rubavu District

Byumba Branch – Byumba, Gicumbi District

Kibuye Branch – Kibuye, Karongi District

Nyagatare Branch – Nyagatare, Nyagatare District

Gitarama Branch – Gitarama, Muhanga District