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Mkaratusi Group
In this Group: Josephina, Hadija, Faraishe, Rehema, Sekele
Josephina Fende, age 48, is married and has four children, ages 28, 24, 22 and 10 years. She has had a shop for selling children clothes at Kariakoo for four years now. From the business she has been able to earn a monthly profit of around $306.

This will be Josephina’s 5th motisha loan from Tujijenge Tanzania. She used previous loans to increase her capital and she has paid back the loans successfully. She hopes to obtain a loan to still increase on the stock of clothes.

Josephina will share this loan with her subgroup loan of Mkaratusi group which totals five members. The members of the group will hold each other accountable in paying back the loan.

In the picture, Josephina is second from the left.

Additional Information

About Tujijenge Tanzania

This loan is administered by Tujijenge Tanzania, which was founded in 2006. It has operations in Dar es Salaam, the coastal region, and the Lake Victoria region. The organization aims to reach out to micro entrepreneurs and provide them with financial and social intermediation services because capital is one of the major barriers to development and success for micro-enterprise initiatives in Tanzania.

For more information on Tujijenge Tanzania, please visit its partner page, or join its lending team.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Tanzania

  • $1,700
    Average annual income
  • 19
    View loans »
    Tanzania Loans Fundraising
  • $14,217,575
    Funds lent in using Kiva
  • 1,373.8
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Mkaratusi Group's $1,625 loan helped a member to increase her stock of clothes to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 21, 2010
May 1, 2010
Currency Exchange Loss:
Oct 15, 2010