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Ngara Group
In this Group: Juma, Zuhura, Pili, Mariamu, Pauline, Upendo
Juma, who is in his early 30s, is single with a boy who is in school. For five years now, Juma has had a mini-supermarket business. He works from 7am to 10pm each working day and is able to make a very good profit each month.

This is Juma's sixth loan request from Tujijenge Tanzania. He will use the loan to buy more out-of-stock products and a popcorn machine. He used his previous loans to replenish his business products and to buy two big business fridges. He has paid back all of his loans successfully. Juma used his profit to pay school fees, to pay for household expenses, to reinvest back into the business, and to save. Juma dreams that one day he will be able to own a big supermarket.

He will share this loan with his loan group "NGARA," which has six 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
  • 25
    View loans »
    Tanzania Loans Fundraising
  • $16,190,200
    Funds lent in using Kiva
  • 1,606.5
    Tanzania Shillings (TZS) = $1 USD
A portion of Ngara Group's $4,100 loan helped a member to buy more out-of-stock products and a popcorn machine.
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 3, 2013
Oct 11, 2013
Currency Exchange Loss:
Nov 10, 2013