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Dira Group
In this Group: Flora, Jema, Branka, Theresia*, Husna, Agustina*, Ladislaus, Living, Dickson, Jeni, Sophia, Loveness, Asha, Godfrey, Angela
* not pictured
Flora M. is 30 years old. She is unmarried but has a daughter who is 12. Flora runs a "vipodozi", which means "pharmacy" in Kiswahili. Unlike some other pharmacies in Dar es Salaam, Flora also sells beauty care products like soap and shampoo along with regular medicines.

She opened her business last year, and keeps the store open from 8 am to 10 pm daily. Her profits vary by month, she says, but she estimates that her profits range from $225-$340 per month.

This is Flora's second loan from Tujijenge Tanzania. She used the first to increase the inventory at her business, and she paid the loan back successfully with no late payments. She hopes to use this loan to increase her stock of medicines, soaps, and hair products.

In the photo, Flora is sitting on the bench wearing a green dress. She and the members of her group, Dira, will hold each other accountable for paying back their loans.

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
  • 15
    View loans »
    Tanzania Loans Fundraising
  • $16,065,825
    Funds lent in using Kiva
  • 1,332.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Dira Group's $3,600 loan helped a member to buy more medicines, soaps and hair products to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 18, 2009
Nov 21, 2009
Currency Exchange Loss:
Apr 15, 2010