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Winners Group
In this Group: Byarugaba, Belinda, Joyce, Letisia, Sarah
Byarugaba, who is in his early 50s, is married with three children - one son, and two daughters. All of his children are still in school. He has been running a medical clinic for 15 years. He works from 9:00 am to 6:00 pm daily, and is able to make a very good monthly profit.

This is Byarugaba's first loan with Tujijenge Tanzania, and he wants to use it to buy better clinical equipment. He dreams of expanding his clinic.

Byarugaba will share this loan with his loan group, "Winners". The five members of the group will hold each other accountable for paying back the loan.

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
  • $14,890,150
    Funds lent in using Kiva
  • 1,618.1
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Winners Group's $4,950 loan helped a member to buy better clinical equipment.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Aug 17, 2013
Currency Exchange Loss:
May 17, 2014