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Mtongani-Daraja Group
In this Group: Habiba, Fatuma, Yusta, Helena, Shani
Habiba, who is in her mid-30s, is married with three children (all girls); two are in school. For fifteen years now, Habiba has been managing her life by running different businesses: she own a beauty salon, a second-hand clothes business and she also sells water. Habiba is doing all of these activities from her house. She starts working from 6am until 9pm daily and is able to make a very good returns per month.

This is is her first loan request from Tujijenge Tanzania. Habiba will use this loan to improve her beauty salon by buying another drier and increase the clothes she has to resell. She dreams of expanding more her enterprises.

Habiba will share this loan with her loan group "Mtongani-Daraja" which is comprised of five members. The 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
  • 38
    View loans »
    Tanzania Loans Fundraising
  • $14,888,425
    Funds lent in using Kiva
  • 1,610.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Mtongani-Daraja Group's $3,250 loan helped a member to buy a salon drier and more clothes to resell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 13, 2013
Sep 21, 2013
Currency Exchange Loss:
Jul 17, 2014