Trust is an important factor that influences borrowing incurring joint liability. However, the challenge is whether trust exists among joint liability borrowers given the differences in the type of cultural setting. Also, there is some confusion in the literature, as it remains unclear which trust antecedents have the strongest relationship with trust. To address these challenges, a study was conducted from four ethnic groups namely, Gogo, Zaramo, Chagga and Kinga borrowed from PRIDE (T) and FINCA (T). The study employs explanatory research design involving 480 respondents. Selection of respondents was conducted using systematic technique. Questionnaires were used to collect information. The Structural Equation Modeling was used to perform the analysis. The findings have shown that trust was low among joint liability borrowers, caused the majority of them to prefer borrowing incurring an individual liability. The results also indicate that benevolence has the strongest relationship with trust. Benevolence and trust propensity provide avenue for fostering trust, as they had significant unique relationships with trust and influence positively borrowing as a group. It is recommended that more emphasis should be put on the strategies that build trust, among joint liability borrowers. Trust building associated with cooperation among joint liability borrowers shall in turn make joint liability an appropriate lending model.