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Rubies Group
In this Group: Dadirai, Getrude, Bernadate, Chipo
Dadirai is a member of the Rubies group. She is a 31 year old married women who now lives in Mufakose, Harare. The group came into existence when they met at church and formed their own savings and loans club to support their working capital and households needs. They continually attend training offered at Thrive and they have benefited in that they now know how to manage their working capital.
Dadirai started tailoring business two years ago. She started by sewing five ladies skirts. Variety was not possible since she did not have enough money for the materials. Through the ROSCAs, she managed to buy more materials and also to purchase a sewing machine. Dadirai is confident that by buying an over locking machine, her overheads can go down as she will not have to send work out. A Kiva loan can help Dadirai purchase an over locking machine.

Additional Information


THRIVE Microfinance is a for-profit microfinance institution in Zimbabwe that was founded in 2012 by former Kiva Fellow Henry Bartram. The organization provides productive business loans that utilize the group lending methodology, lends only to women, and provides auxiliary training before and after loans.

The organization currently supports approximately 25 groups of women, with $190,000 outstanding. With Kiva’s support, THRIVE will strive to reach their goal of $350,000 by the end of 2014.

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 Zimbabwe

  • $2,000
    Average annual income
  • 4
    View loans »
    Zimbabwe Loans Fundraising
  • $3,745,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Rubies Group's $1,200 loan helped a member to buy an overlocking sewing machine to reduce her costs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 5, 2014
Aug 17, 2014
Currency Exchange Loss:
Mar 17, 2015