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Asernal Group
In this Group: Emelisiana, Edina, Naila, Kisha, Tekla, Shamsa, Fortunatha, Prisca, Zainabu, Mwanaid, Mariam
Emelisiana, who is in her late 20s, is single with one small kid. She has been running a beauty salon for three years now. She works from 8 a.m. to 9 p.m. daily and is able to make a very good monthly profit.

This will be Emelisiana's second loan from Tujijenge Tanzania. She used the previous loan to buy salon equipment and has paid back her loan successfully. She is happy with the loan. She used the profit to take care of her kid, being a single parent. She also used her profit to take care of herself and covered household expenses. She will use this loan to buy salon equipment, especially the fast moving items, in order to meet her customers' requirements. She dreams of making her business international.

Emelisiana will share this loan with her loan group "Asernal," which has 11 members who will hold each other accountable for paying back the loan. (One client's face is hidden behind the group in the photo).

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
  • $14,804,600
    Funds lent in using Kiva
  • 1,659.0
    Tanzania Shillings (TZS) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Asernal Group's $3,575 loan helped a member to buy salon equipment, especially the fast moving items, in order to meet her customers' requirements.
99% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 13, 2014
Aug 24, 2014
Currency Exchange Loss:
Feb 20, 2015