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Mt Usambara Group
In this Group: Josephine, Gerald, Salome, Dunia, Tine, Halima, Nuru, Jalafa, Nassoro
Josephine, who is in her early thirties, is married with two sons who are in school. For five years now, Josephine has had two businesses. One is a shop selling dry food like sugar, salt, maize flour, baking flour, rice, beans and other foods. She is managing another tailoring business. Josephine starts working from 06:00am to 09:00pm daily and is able to make a good return per month.

This will be her 16th loan from Kiva partner, Tujijenge Tanzania. She used her previous loans to buy a new tailoring machine, tailoring materials and other new working equipment. She managed also to open her food shop business and has paid back all her previous loans successfully. Josephine used her business profit to pay for her house building costs and covered school fees, household expenses and reinvested back to her business. She will use this loan to restock more foods in her shop to resell. She dreams of opening a successful business which could make her life better.

Josephine will share this loan with her loan group Mt Usambara which totals nine 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
  • 28
    View loans »
    Tanzania Loans Fundraising
  • $16,172,650
    Funds lent in using Kiva
  • 1,605.5
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Mt Usambara Group's $4,275 loan helped a member to restock more foods in her shop to resell.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 10, 2013
Oct 18, 2013
Currency Exchange Loss:
Jul 17, 2014