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Umoja - Daraja Group
In this Group: Judy, Jesca, Prosista
Judy, who is in her early 40s, is single with a boy and a girl who are in school. Since 1998, Judy has been managing her life by running a business selling second-hand clothes; she is doing great in her business. Judy works from 08am to 08pm each working day, and is able to earn a good return from this activity.

This is her second loan request from Tujijenge Tanzania. Judy used her previous loan to purchase more clothes for her business. She used her profit to cover school fees, food expenses for her family, and reinvested back to her business.

Judy will use this loan to buy more clothes to sell to more people. She dreams that one day she will be able to open a mini-supermarket.

She will share this loan with her loan group " UMOJA-DARAJA" which consists of three 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
  • 26
    View loans »
    Tanzania Loans Fundraising
  • $16,172,650
    Funds lent in using Kiva
  • 1,607.7
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Umoja - Daraja Group's $3,050 loan helped a member to buy more clothes to sell to her customers.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 8, 2013
Oct 16, 2013
Currency Exchange Loss:
Jul 17, 2014