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Utamaduni . Group
In this Group: Stela, Zainabu, Monica, Amina, Irene, Graceana, Tatu, Helena, Rukia, Mtumwa
Stela, who is in her early 50s, is married, with four grown children. She is living with her three grandchildren, who are in school.

For a period of four years now, Stela has had a grocery business, offering different drinks. She works from 2pm to 10pm daily and is able to make a fair profit per month.

This will be Stela's second loan request from Tujijenge Tanzania. With the previous loan, which paid back successfully, she managed to buy more beers and sodas. With the profit received, she covered home expenses and school fees.

Stela will use this loan to buy additional grocery drinks. She dreams to build a house.

Stela will share this loan with her loan group, Utamaduni, which totals ten members. The members of the group will hold each other accountable for paying back the loan.

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
  • 18
    View loans »
    Tanzania Loans Fundraising
  • $16,055,625
    Funds lent in using Kiva
  • 1,625.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Utamaduni . Group's $3,150 loan helped a member to buy additional grocery drinks.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 6, 2013
May 10, 2013
Currency Exchange Loss:
Oct 17, 2013