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Maarifa Group
In this Group: Ramadhani, Koo, Aziza, Kassim, Subira
Ramadhani is a married father of three sons and one daughter (two in school and the rest grown). He is in his mid-forties and has been a businessman for 10 years. He runs a barbershop, a grocery store selling rice, sugar, beans, baking and maize flour etc., and also manages a food business selling chips with meat fried in pieces. He is so happy with Kiva's support because now he can pay his children's school fees and household costs. He believes that one day he will be a successfully businessman. He normally works from 6 a.m. to midnight every working day.

Ramadhani is requesting his 13th loan through Tujijenge Tanzania. He used the previous credits, which he repaid, to improve his businesses. He bought food inventory, a refrigerator and radio, and a television set for his barbershop. He received profits which he used to build a house with electricity. He covered school fees and household expenses. Ramadhani dreams to grow his businesses and become better off in life. With his new loan request, he will replenish his grocery store with rice, beans, sugar, baking flour, maize flour, etc.

He will share this loan with his loan group Maarifa which consists of five 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
  • 60
    View loans »
    Tanzania Loans Fundraising
  • $15,072,650
    Funds lent in using Kiva
  • 1,660.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Maarifa Group's $3,450 loan helped a member to replenish his shop with rice, beans, sugar, baking flour, maize flour etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 23, 2014
Jul 31, 2014
Currency Exchange Loss:
Mar 17, 2015