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Warumi Group
In this Group: Bahati, Hellem, Edda, Sara, Salama, Fatima*, Fatma*, Pasisi, Silvia, Grace, Judith, Mwajabu, Jamila, Victoria, Ashura, Alfredima, Leomista, Maria
* not pictured
Meet Bahati K. and the Warumi Group. Bahati is 29 years old and married with two children, an 11 year-old son and a 7 year-old daughter. She also supports her 19 year-old sister who is in high school. Bahati has been running a small shop for two years and it is doing quite well. She has two employees, and the business is open daily from 7 am until midnight. She earns about $700 in profit. She has already repaid one loan from Tujijenge Tanzania, and used it to purchase drinks, chips, and other inventory items for her shop. Bahati will use this loan to restock beer, spirits, and soda at her shop, since these sell quickly. As her profits increase, Bahati plans to move her shop from its current rented space into a new location that she owns, and also to build a new home for her family.

Bahati is a member of the Warumi Group, whose 18 members run a variety of businesses including selling eggs, chicken, fuel and food. Members hold each other accountable for repaying the loan. Bahati is in the back of the photo, raising her hand.

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

  • $1,900
    Average annual income
  • 53
    View loans »
    Tanzania Loans Fundraising
  • $15,319,500
    Funds lent in using Kiva
  • 1,420.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Warumi Group's $4,775 loan helped a member restocking alcohol, beer and soda for sale at her general store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 19, 2010
Jun 1, 2010
Currency Exchange Loss:
Oct 15, 2010