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Hakika Group
In this Group: Sarafina, Zuwena, Rahma, Samilu, Johari, Ashura, Leah, Sabina, Moshi
Sarafina, who is in her early 30s, is married with a boy who is in school. For two years now, she has been running a retail shop selling rice, flour, beans, sugar, airtime, sweets, etc. She starts working at 6 am until 9 pm daily and is able to make a fair profit per month.

From Tujijenge Tanzania, this is Sarafina's fifth loan request, which will use to restock items missing from her shop inventory. She used her previous loans to buy more shop items like rice, flour, beans, sweets, etc. Sarafina has paid back all her previous loans successfully and used her profit to cover household expenses and school fees. She dreams that one day she will be able to open a wholesale shop.

She will share this loan with her loan group " Hakika" which totals nine 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
  • 46
    View loans »
    Tanzania Loans Fundraising
  • $14,890,150
    Funds lent in using Kiva
  • 1,611.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Hakika Group's $3,400 loan helped a member to restock items missing from her shop inventory.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 25, 2013
Oct 4, 2013
Currency Exchange Loss:
Jun 17, 2014