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Asernal Group
In this Group: Winifrida, Maria, Mariam, Winfrida, Aisha, Ritha, Prisca, Zainabu, Frida, Fortunatha, Regina
Winifrida, who is in her early 30s, is married with two children who are still going to school. She has been running a beauty salon for five years now. She works from 8:00am to 10:00 pm daily and is able to make a good monthly profit.

This will be her second loan from Tujijenge Tanzania. She used the previous loan to replace missing equipment in the salon. She used the profits to repair the salon floor. She has successfully paid back her loan. She will use this loan to increase her stock of salon equipment. Her dream is to one day be able to send her kids to good schools and to build her own house.

Winifrida will share this loan with her loan group, "ASERNAL", whose members will hold one another 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
  • 19
    View loans »
    Tanzania Loans Fundraising
  • $16,082,000
    Funds lent in using Kiva
  • 1,625.6
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Asernal Group's $2,600 loan helped a member to increase her stock of salon equipment.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
May 22, 2013
May 26, 2013
Currency Exchange Loss:
Oct 17, 2013