Students Loan Trust Fund
                                Providing equal financing to tertiary education

Zakat & Sadaqa Partnership for Disbursement & Repayment

The Zakat and Sadaqa Trust Fund (Z&STF) is an Islamic charity organization under the auspices of the Moslem Caucus in the Parliament of the Republic of Ghana. Z&STF has resolved to guarantee loans for Muslim students pursuing tertiary education in Ghana, taking advantage of the opening up of the guarantee options by the Students Loan Trust Fund in its quest to further reduce barriers to student financing. The partnership was launched on 8th October, 2015, under the patronage of the Hon. Minister of Education; Prof. Naana Jane Opoku-Agyemang.

Please, click the here to read more about the Zakat & Sadaqa Partnership.

Students Loan

Do you need a loan? Get it in three easy steps!

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Students Loan Application

Applications for student loans can be made via paper or online.

Paper Application
Click on the "Paper" button to continue with the paper application process.

Online Application
Click on the "Online" button to start filling the application forms through the online portal.

Paper Online
Paper Applications


Step 1 Download and print the Loan Application form by clicking on the download button.
Step 2 Complete the Loan Application Form, Guarantor Deed and Students Loan Agreement forms.
Step 3 Attach 2 recent passport size photographs (Do not staple or glue passport pictures.
Step 4 Submit 2 complete sets of the application forms together with all relevant documents attached, to your campus or zonal office.

Guarantor Type
Please select the guarantor type to use for your application

SSNIT Formal or SSNIT Informal
Other Forms (Islamic Denomination, Corporate, Metropolitan and Municipal District Assembly Download

Students Loan Application

2014/2015 Applications have been closed.

Students will be informed when the 2015/2016 applications are opened.