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Saiberia Group
In this Group: Joice, Agness, Maura, Catherine, Happfania*, Sharifa, Alex, Nuru, Clorida*, Rose, Ernesta, Albogas, Greyson, Dorica, Silvano, Godfrey
* not pictured
Joyce is in her late 30's, married and has three children. For the last year, she has earned a living as a food vendor. She works from 8 a.m. to 6 p.m. daily and makes a good monthly profit. She is applying for her second loan from Tujijenge Tanzania. Joyce used her first loan to buy more items to sell to her customers, and will use the new one to do the same thing. Her dream is to one day have enough money to open a hotel. Joyce will share this loan with her group, Saiberia, which has 16 members, each of whom holds the others accountable for making repayments.

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
  • 1,580.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Saiberia Group's $4,200 loan helped a member to buy more food items to sell to her customers.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 21, 2011
Dec 22, 2011
Currency Exchange Loss:
Jun 16, 2012