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Asernal Group
In this Group: Ritha, Winfrida, Regina, Maria, Winifrida, Mariam, Aisha, Prisca, Zainabu, Frida, Edina, Kisha, Grace, Fortunatha
Ritha, who is a married woman with two daughters, is in her early 30s. Her children are still in school. Ritha is a businesswoman running two projects: selling fried pork and managing a fruit and vegetable business. She has been in these activities for seven years now. She starts working at 06:30 am until 9 pm daily and is able to make good monthly returns.

This is Ritha's third loan from Kiva partner Tujijenge Tanzania. She used the previous loans to buy more pork which she sold to more people. She has paid back all her previous loans successfully. Ritha's business profit is used to cover school fees for her daughters. She also used it to buy more bricks for her house construction. She will use this loan to buy more pork to resell. Ritha is doing great in her businesses. She dreams that one day she will be able to finish building her house.

Ritha will share this loan with her loan group "Asernal" which consist of 14 members who 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
  • 27
    View loans »
    Tanzania Loans Fundraising
  • $16,200,775
    Funds lent in using Kiva
  • 1,614.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Asernal Group's $3,450 loan helped a member to buy more pork to resell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 11, 2013
Sep 18, 2013
Currency Exchange Loss:
Mar 17, 2014