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WMI Loan Program Administrators
for Tanzania Hubs


Josephine Emanuel Sillo, Tloma

Josephine Emanue SilloJosephine Emanuel Sillo is the Head Administrator for the new loan program in Tloma, Tanzania and was born in 1951 in Mbulu District. Her warm personality, smile and leadership skills have made her a successful coordinator the first loan group of Tloma women. She was raised in a large family of two brothers and five sisters, but her parents made sure she graduated the primary level. When she was 16, Sillo married Emanuel Sillo, a respected forest officer in the Arusha region. She had her first child when she was 18 years old. Now, she is a proud mother of six and grandmother of 11.

Josephine does intricate beadwork, a staple of traditional Iraqw clothing that women in the Tloma area have been making for hundreds of years. She dries the hide of a sheep and arranges thousands of beads in a beautiful design of symbols and colors. Josephine's business has been active for over 20 years and is popular with tourists. She believes the loan program will significantly help her business by providing funds to restock her bead supply on a regular basis. It will also allow her to manage her cash flow better and create a business budget.

Now that she has received her first loan, she is looking forward to seeing her business flourish. With her increased profit she first plans to improve her house by adding tables and chairs in the sitting room. Later she hopes to add on more rooms so that she can rent them out to others. Some of Josephine's greatest pleasures in life are tending to her vegetable garden and spending time with her grandchildren.



Ngali Kitmwas, Alailelai

Ngali KitmwasNgali Kitmwas was born in 1990 in Ngorongoro District within Nainokanoka Ward in Nainokanoka village. She attended the local primary school and completed her secondary education in 2009 at Embarway Secondary School within Ngorongoro District. After graduation, she married her husband John, in a ceremony in Alailelai village. Together with her husband she operates a small shop. In 2011, she began studying English in a course in Karatu. In 2012, she was elected as coordinator for the WMI microfinance loan program within Alailelai Maasai Sustainability Organization (AMSO), by all members of the microfinance loan program.


Maria Johane OlouluMaria Johane Oloulu, Assistant Head Administrator, was born in 1987 in Nagarenaibor, Longido , Tanzania . She attended Maasai Girls Girl where she completed her O Levels. She completed her A Level education at Moringe Secondary School. She then attended Mount Meru University and obtained a diploma in cultivation. She is married and has one child, a daughter named Nangidai, born in 2013.



Judy Lane, WMI's Tanzania loan hub partner

Judy LaneA fearless traveler, Judy was born in the west Bronx in 1953 and raised in New York City. She attended Hampshire College, where her world view was transformed during a 1975 National Outdoor Leadership School trip to Kenya that included backpacking to Maasai country. She returned from Kenya after 3 months, changed colleges and majors and pursued studies in environmental science at UMass Amherst in the hopes of eventually joining the Peace Corps in Africa. After college, she continued her studies at the University of California, Davis, receiving a MS degree in the Ecology of lakes. Plans of returning to Africa were put on hold as she pursued a career researching fresh and saltwater systems, married fellow environmentalist Mark Mattson, and settled in Oakham, MA to raise their two adopted boys.

In 2010, with their sons in boarding school, the opportunity arose for a return trip to Africa - this time to Tanzania. Judy arranged a hike with the Maasai, which was led by John Kitmwas, who guided them through not just the bush, but also Maasai villages, educating them about the current struggles of his tribe.

Judy Lane Education ProgramUpon returning to the USA, Judy decided that the time was finally right for her to pursue her earlier dream of working in Africa. Consulting with John, they set up a CBO in Alailelai village that started with an education program providing tuition for secondary schools. The CBO has expanded to include a goat project, basic health support for the villagers, and a beading project. After hearing about WMI's work in East Africa, Judy contacted Robyn Nietert to launch the loan program in January 2012.

Since establishing the CBO, Judy now travels to Tanzania three times per year. She maintains regular contact with the women's group running the WMI loan program and offers ongoing guidance and support. Without her knowledge, insight and dedication, WMI would not have been able to establish this first village-level microfinance project for Maasai women in the NCA.


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