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Hefseba Group
In this Group: Isaac, Esther, Sophia, Joyce, Helena, Pelagia, Patricia, Paulina, Stephania, Shabani, Olipa, Kissa, Alice, Zacharia, Joseph, Biatus
Isaac M., age 37, is single with one daughter aged 6 years. Since 2010, he has had a business selling water wholesale. He works from 8 a.m. to 5 p.m. daily and he is able to earn a monthly profit of about $27.

This will be Isaac’s 2nd loan from Tujijenge Tanzania. He used his previous loan to increase his stock of water and has paid back the loan successfully. He hopes for a new loan to again increase his stock of water and also to start selling juice.

Isaac will share this loan with his loan group called Hefseba, which totals sixteen members. The members of the group hold each other accountable in paying back the loan.

In the photo, Isaac is in an orange shirt, first on the left in the 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
  • 51
    View loans »
    Tanzania Loans Fundraising
  • $15,321,450
    Funds lent in using Kiva
  • 1,495.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Hefseba Group's $4,125 loan helped a member to increase his stock of water and to start selling juice.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jul 8, 2010
Jul 13, 2010
Currency Exchange Loss:
Nov 15, 2010