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HAELEN, age 34, runs a general store called "Imma's Shop" (named after her son Immanuel), and also sells clothing from house to house. She lives with her shopkeeper (her niece) in back of the store in a one-room house. Haelen sends money to her mother in the village, who is raising her 14-year-old son. She was brought to Dar es Salaam over 4 years ago by her sister in order to find work, after she and her husband separated. Since then, her sister has passed away.

Haelen opened her shop in 2003. There, she sells sugar, beans, rice, sodas, ice cubes, and other general food items. She makes about $18 a week from this business. Rent for her shop costs about $20 a month and she pays her shopkeeper a salary of the same amount.

Realizing that the shop business was not dependable because of the fluctuating costs of her inventory, Haelen started selling clothes on the street about 6-7 months ago. From this business, she makes a profit of about $35 a week. Her customers generally pay her by weekly installments. Besides paying for school fees and general expenses, she is using her profits to build a house on land that she recently purchased.

Earlier this year, Haelen took out a loan which helped her move her shop to a different location. Having paid this back successfully, she hopes to take out another loan to increase her shop’s inventory and to buy more clothes to sell.

She belongs to the group "Giraffe," which consists of 27 other members who keep each other accountable and insure one another in paying back their loans.

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.

About Tanzania

  • $1,900
    Average annual income
  • 45
    View loans »
    Tanzania Loans Fundraising
  • $14,890,150
    Funds lent in using Kiva
  • 1,128.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Haelen to increase inventory.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 29, 2007
Nov 15, 2007
Currency Exchange Loss:
Mar 5, 2008