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Karoti 1B Group
In this Group: Pendo, Anna, Christopher, Magreth, Dafrosa, Maria
Pendo, who is in her mid-20s, is a married mother of three children, two of whom go to school, while the third is still a baby. Since 2004, Pendo has been selling a variety of bathing soaps. Working from 7.00 am to 9.00 pm daily, she is able to make a fair monthly profit.

This will be Pendo's fourth loan from Tujijenge Tanzania, her previous loans having helped her to offer a greater variety of soap for sale; the profits enabled her to buy a plot of land. All of her prior loans have been repaid. Pendo will use this one to replenish her stocks of soap. She dreams of building her own house.

Pendo will share this loan with her loan group "Karoti 1B" which has six members who 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
  • 1,606.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Karoti 1B Group's $2,875 loan helped a member to purchase a variety of soap to sell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Oct 2, 2013
Oct 12, 2013
Currency Exchange Loss:
Jun 17, 2014