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Utamaduni Group
In this Group: Happy, Melisa, Mericiana, Mutumwa , Rukia, Irene, Salum, Moses, Tabia, Joyce, Regina, Magreth, Pilli, Helena, Rukia, Zainabu
Happy is in her early 30s. She is single, with three children who go to school. She has been selling hardware for two years now. She works from 7 a.m. to 6 p.m. daily and is able to make a fair monthly profit.

This will be Happy's second loan from Tujijenge Tanzania. She used the previous loan to increase the stock in her hardware shop. She also paid school fees and household expenses. She has repaid her loan successfully. She wants a new loan to restock items in the hardware shop.

Her dream is one day to be able to build her own house.

Happy will share this loan with her loan group, "Utamaduni." It has 16 members who hold one another 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
  • $16,082,000
    Funds lent in using Kiva
  • 1,588.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Utamaduni Group's $5,650 loan helped a member to restock items in her hardware shop.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jul 16, 2012
Jul 18, 2012
Currency Exchange Loss:
Jan 15, 2013