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Ruvuma Group
In this Group: Joyce, Stela, Hapy, Shufaa, Daniel*, Sijaviona, Mwajuma*, Hadija, Habiba, Asha, Yusufu, Dora, Selina, Hamis, Paulo, Paulo, Sauda, Zainab, Aisha
* not pictured
Joyce A. is in her early thirties. She is married with twin boys who attend school. She has two businesses, selling charcoal and fruits and vegetables. She works from 8:00 a.m. until 9:00 p.m. daily and is able to make a small monthly profit.

This will be Joyce's 2nd loan from Tujijenge Tanzania. She used the previous loan to increase her fruits and vegetables and to start the charcoal business. She has successfully repaid the loan. She hopes for a new loan to increase her charcoal business by buying more sacks of charcoal. Her dream is to one day enroll her twins in good schools and to build her own house.

Joyce will share this loan with her loan group "Ruvuma" which has a total of 19 members, who will hold each other accountable in paying back their loans. In the picture, Joyce is in front, second from left in a white blouse.

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
  • 39
    View loans »
    Tanzania Loans Fundraising
  • $14,894,575
    Funds lent in using Kiva
  • 1,504.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Ruvuma Group's $3,975 loan helped a member to buy more sacks of charcoal.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Apr 8, 2011
Apr 8, 2011
Currency Exchange Loss:
Aug 15, 2011