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Igembe Group
In this Group: Judith, Neema, Marry, Lulu, Veronika, Bertha, Salehe*
* not pictured
Jambo (hello) from Tanzania! Judith M. is 28 years old and married. She and her husband have two daughters aged eight years and six months old. Judith owns a barber shop in the Tegeta community of Dar es Salaam and a beauty salon in Temeke, Dar es Salaam. She opened both of these businesses in 2005 after working for many years as a server at Steers, a local fast food restaurant. She says it was one of her proudest moments to finally be able to open her own business after saving for so long.

Judith received her first loan from Tujijenge in 2008. Since then she has taken four loans and has been able to hire two employees at the barber shop and two more at the salon. She splits her time between the two locations, bringing her six-month-old daughter to work with her and caring for her while carrying out her work duties.

While she was pregnant, Judith was worried about taking loans from Tujijenge because she was not able to work as much. Therefore, she did not receive a loan for the past two loan cycles. Now that she has given birth and is back to a regular work schedule, she is happy and excited to take another loan.

Judith hopes to use this loan to invest in more supplies for her barber shop and salon. She will purchase items such as hair tongs, scissors, combs, brushes, hair weave (hair extensions) and other hair products. She says she hopes to use any extra profits to pay her children's school fees and medical bills. Right now, Judith makes a profit of about 615 US Dollars per month. Her businesses are especially busy on Saturdays and Sundays, or when her customers need their hair done for weddings.

Judith will share this loan with the members of her group, Igembe. In the photo, Judith is sitting third from the left.

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
  • 22
    View loans »
    Tanzania Loans Fundraising
  • $16,200,775
    Funds lent in using Kiva
  • 1,326.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Igembe Group's $1,900 loan helped a member to buy equipment and supplies for her barber shop and salon.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 23, 2009
Jan 1, 2010
Currency Exchange Loss:
May 15, 2010