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Bethlehem Group
In this Group: Avelina, Grace, David, Peter, Cletus
Avelina, who is in her early 40s, is a widow with two girls who are in school.

For nine months now, Avelina has been managing her family's costs by running two businesses. One is a shop business where she sells soft drinks only and another is a restaurant. She is doing great in both businesses. Avelina works from 6am to 10pm daily and she is able to make good returns each month.

This is Avelina's first loan request with Tujijenge Tanzania, which will be used to improve her soft drinks shop and to stock more drinks to sell.

She dreams that, one day, she will be able to build a house. She will share this loan with her loan group, Bethlehem Group, which totals five 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
  • 15
    View loans »
    Tanzania Loans Fundraising
  • $16,075,375
    Funds lent in using Kiva
  • 1,618.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Bethlehem Group's $3,100 loan helped a member to improve her soft drinks shop and to stock more drinks to sell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 2, 2013
Currency Exchange Loss:
Jul 17, 2014