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Tujumuike Group
In this Group: Sabina, Mosi, Salma, Mariam, Judith, Aisha, Mwanaidi, Saidi, Rukia, Zulfa, Mariam, Msinume, Asha, Fatma, Amos
Sabina T. is a 34-year-old single woman. She has 3 children (ages 11, 8, and 4), but she also cares for another dependent. She has not one but two businesses: she sells milk (she owns 3 cows), and she has a “Mama Lishe” (a small outdoor café where she sells drinks and hot snacks). She started these businesses 8 years ago, and she works on a daily basis from 7 am until 8 pm. By doing so, she is able to earn approximately $224 per month from her milk-selling business and $120 per month from her Mama Lishe.

Sabina has already received one prior loan from Tujijenge Tanzania to expand and improve her businesses, and she promptly repaid that particular loan. Now, she is applying for another loan in order to buy items such as oil and rice for her café, as well as cow feed for her three cows. Notably, Sabina will share the loan proceeds with her loan group, Tujumuike, which totals 15 members. In this group, members guarantee each others' loans (i.e., if one member does not promptly repay his or her portion of the loan, then the other members are responsible for curing the arrears), and they provide support for one another to repay their respective loans. In the picture, Sabina is standing on the left.

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
  • $16,200,775
    Funds lent in using Kiva
  • 1,240.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Tujumuike Group's $2,100 loan helped a member to further expand her businesses by purchasing oil and rice (for her café) and cow feed (for her milk-selling business).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 25, 2008
Dec 4, 2008
Currency Exchange Loss:
Apr 15, 2009