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Karoti Group
In this Group: Dafrosa, Anna, Said, Mary, Zahran, Asia, Mariam*, Magreth, Fatuma, Mwanahamis, Halima, Hadija*, Mary, Christopher*, Mbaraka
* not pictured
Dafrosa, who is in her early 40s, is married with four children who are still going to school. She has had a food shop for 5 years now. She works from 6:00 am to 10:00 pm daily and makes a fair monthly profit.

This will be her 9th loan from Tujijenge Tanzania. She used the previous loans to pay school fees, built a kitchen which was missing on her house, renovated the floor of her house, replaced the missing items in the food shop and has paid back all her loans successfully. She wants a loan to buy 50 kilos of sugar, 50 kilos of wheat flour, 20 kilos of backing flour, one big bucket of cooking oil, and a box of salt and biscuits. Her dream is to one day be able to buy a land and build another house.

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
  • 1,590.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Karoti Group's $3,525 loan helped a member to buy 50 kilos of sugar, 50 kilos of wheat flour, 20 kilos of backing flour, one big bucket of cooking oil and a box of salt and biscuits.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Feb 8, 2012
Feb 10, 2012
Currency Exchange Loss:
Jun 16, 2012