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Umoja Charambe Group
In this Group: Mlokozi, Charles, Georgile, Flora, Msafori, Christopher, Mary, Othman, Mkonga, Awami, Albert, Fortunate, Abeakari, Elizabete, Edward
Mlokozi M., 36, is married with three children ages 9, 5, and 1. He sells second-hand clothes. He started this business in 2000 and works daily from 8:30 am until 6 pm. He is able to earn a monthly profit of around US$ 80.

This will be Mlokozi’s seventh’s loan from Tujijenge Tanzania. He used the previous loans to increase the stock of his second-hand clothes business and has repaid the loans successfully. He now hopes for a seventh loan to buy more stock for the same business.

Mlokozi will share this loan with his loan group, Umoja Charambe, which totals 15 members. The members of the group hold each other accountable in paying back their loans. In the picture, Mlokozi is standing 1st from 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
  • 24
    View loans »
    Tanzania Loans Fundraising
  • $16,183,050
    Funds lent in using Kiva
  • 1,320.0
    Tanzania Shillings (TZS) = $1 USD

Success!! The loan was 100% repaid

A portion of Umoja Charambe Group's $3,925 loan helped a member to increase his stock of used clothes for re-sale.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jan 5, 2009
Jan 6, 2009
Currency Exchange Loss:
Jul 15, 2009