Ngorogoro Group in Tanzania

James Manyama, age 30, is married with two children, ages six and three and a half months. He has a furniture mart business which he started three years ago. He works daily from 7am until 7pm and he is able to earn a monthly profit of around $746.

This will be James’s sixth loan from Tujijenge Tanzania. He used the previous loans to increase his business by buying more wood for his furniture business. He has paid back his loan successfully. He wants a new loan to increase his capital to buy more materials, like leather for sofa sets and vanish for wood.

James will share this loan with his group, "Ngorongoro" which totals 18 members. Members will hold each other accountable for paying back their loans. In the picture, James is second from right, in blue.