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Wito Group
In this Group: Ummy, Shani, Merry*, Zuwena, Joyce, Fides, Fatuma, Salma, Michael, Rafia, Agnes
* not pictured
Ummy K., age 40, is married with 3 children, aged 18, 15, and 9. She has had a beauty salon and a grocery for 10 years now. She works from 8am to 11pm daily and she is able to make a monthly profit of about $366.

This will be Ummy’s 2nd Motisha (motisha is to motivate good clients) loan from Tujijenge Tanzania. She used the previous loan to increase the stock on both businesses, equipment for the salon and more drinks for the grocery and has paid back the loan successfully. She hopes for a loan to buy more beer, soda, spirits and water for the grocery and to buy more salon equipment. When Ummy makes her profits, she wants to pay school fees for her children and also household expenses. Her dreams is to start selling cosmetics.

Ummy will share this loan with her loan group Wito, which totals 11 members. The members of the group will hold each other accountable in paying back the loan.

In the picture, Ummy is second from right, in a blue dress in front row.

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
  • 54
    View loans »
    Tanzania Loans Fundraising
  • $15,037,625
    Funds lent in using Kiva
  • 1,465.1
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Wito Group's $2,000 loan helped a member buying more beer, spirits, and soda for the grocery; buying salon equipment.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 15, 2010
Jun 21, 2010
Currency Exchange Loss:
Nov 15, 2010