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Tiyamika Group
In this Group: Ruth, Agatha, Theresa, Mavis, Erida, Delifa, Florence
Ruth is a 37 year old mother of 3. She is married to a self-employed motor mechanic. Dissatisfied by her role as housewife, Ruth attended school of dressmaking, cutting and designing in 2009. In 2010, she started her sewing business operating from a room she was offered at her parents’ house.
Ruth owns a domestic electrical sewing machine. She specialises in sewing seat covers and bed covers. Her main customers are cross border traders but she cannot meet all their needs due to working capital constraints. She also loses a lot of time making frequent trips to go and buy materials as she cannot buy in bulk.
Realising the need for training and cultivating a savings culture, Ruth formed Tiyamika group together with her friends from church. This group is kept together by common religious faith and desire for financial stability as women.
With a loan from Thrive, Ruth intends to buy materials in bulk and enjoy discounts thereby increasing her profit margin. She hopes to grow her business by opening a shop in town and employ assistants to enable her to meet her customers’ orders. She dreams of finishing building her house with the increased profits.

Additional Information


THRIVE Microfinance is a for-profit microfinance institution in Zimbabwe that was founded in 2012 by former Kiva Fellow Henry Bartram. The organization provides productive business loans that utilize the group lending methodology, lends only to women, and provides auxiliary training before and after loans.

The organization currently supports approximately 25 groups of women, with $190,000 outstanding. With Kiva’s support, THRIVE will strive to reach their goal of $350,000 by the end of 2014.

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 Zimbabwe

  • $2,000
    Average annual income
  • 11
    View loans »
    Zimbabwe Loans Fundraising
  • $3,935,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Tiyamika Group's $1,650 loan helped a member to buy supplies for her tailoring business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 28, 2014
May 8, 2014
Currency Exchange Loss:
Nov 17, 2014