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Karoti Group
In this Group: Nimulike, Anna*, Said, Christina, Mary, Maria, Mariam, Dafrosa, Esther, Magret, Veronica, Azalia, Asha, Philomena, Sweethaetb*
* not pictured
Nimulike, who is in her early thirties, is married with two children. The elder one goes to school. She has been a food vendor for one year now at a place called Tegeta, some 10 kilometers from the city center. She works from 5am to 5:30pm daily and is able to make a good monthly profit.

This will be Nimulike’s 2nd loan from Tujijenge Tanzania. She used the previous loan to increase her capital, and managed to sell more food. She has paid back her loan successfully. She wants a new loan to buy more food stuff for making more and better quality food. Her dream is to one day open a shop and sell drinks at wholesale prices.

She will share this loan with her loan group ("Karoti") which has a total of 15 members, who will hold each other accountable in 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
  • 23
    View loans »
    Tanzania Loans Fundraising
  • $16,200,775
    Funds lent in using Kiva
  • 1,599.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Karoti Group's $3,550 loan helped a member to buy more food stuff for the food market.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 22, 2011
Jun 25, 2011
Currency Exchange Loss:
Nov 16, 2011