A1 Verb Conjugation 5 min read سهل

The Verb 'to have' -na (Expressing Possession)

Express possession by attaching a subject prefix to -na, literally saying you are 'with' something.

Grammar Rule in 30 Seconds

In Swahili, you don't 'have' things; you say something 'is with' you using the -na particle.

  • Use the subject prefix + na + the object: Nina gari (I have a car).
  • For negative, use the negative prefix + na: Sina gari (I don't have a car).
  • Questions use the same structure with a rising tone: Una gari? (Do you have a car?).
Subject Prefix + na + Object

نظرة عامة

Welcome to one of the most useful parts of Swahili! To speak naturally, you need to express possession. You want to say you have a car.
You want to say you have a brother. You might even want to say you have a headache. In Swahili, we use the tiny but mighty word -na.
It is your best friend for describing what you own. It also helps you describe your relationships. Think of it as the 'Swiss Army Knife' of Swahili verbs.
It is simple, short, and very common. You will hear it in every conversation. From the market to the office, -na is everywhere.
Let’s dive in and see how it works.

كيف تعمل هذه القاعدة

In English, we have a specific verb to have. Swahili does things a bit differently. It doesn't have a single, standalone word for have. Instead, it uses the concept of being with something. The word na actually means and or with. To say I have, you literally say I-with. It is a very logical way to think.
If you are with a bag, you have a bag. If you are with a friend, you have a friend. You just glue a person prefix to the front of -na.
This creates a single word that expresses possession. It is like a grammar Lego set. You snap the pieces together and you are ready to go.
Even native speakers use this for almost everything. It is the ultimate shortcut to sounding fluent.

نمط التكوين

1
Building this verb is like following a simple recipe. You only need two main ingredients.
2
Choose your Subject Prefix. This tells us who is doing the having.
3
Ni- (I)
4
U- (You, singular)
5
A- (He/She)
6
Tu- (We)
7
M- (You, plural)
8
Wa- (They)
9
Add the word -na directly after the prefix.
10
Ni + na = Nina (I have)
11
U + na = Una (You have)
12
A + na = Ana (He/She has)
13
Tu + na = Tuna (We have)
14
M + na = Mna (You all have)
15
Wa + na = Wana (They have)
16
Place the object you have right after the verb.
17
Nina kitabu. (I have a book.)
18
Ana pesa. (He has money.)
19
It is that easy! No complicated conjugations like in French or Spanish. Just snap and speak.

متى نستخدمها

Use -na whenever you want to show ownership. This includes physical objects like a phone or a house. Use it for family members too.
In Swahili, you have a sister or a father. It is perfect for talking about abstract things. You can have time or have an idea.
Use it in a restaurant to say you have an order. Use it at a job interview to list your skills. If you are at the doctor, use it for symptoms.
I have a fever
uses this same pattern. It is very versatile. You will use it when asking for directions.
Do you have a map?
is a classic -na sentence. It works for almost any scenario where something belongs to you.

متى لا نستخدمها

Don't use -na for things you are doing right now. In English, we say
I am having dinner.
In Swahili, that is a different verb entirely. Use -na only for possession or being with. Also, don't use it for locations.
To say
I am at the market,
you use a different rule. Avoid using it for age if you are confused. While you can say Nina miaka... (I have years), some regions prefer other ways.
Don't use it to mean must. In English, we say
I have to go.
Swahili uses a different structure for obligations. Stick to physical or conceptual possession. Think of it like a grammar traffic light.
Green means I own this. Red means
I am doing this action.

الأخطاء الشائعة

Many people try to use the full pronoun. They say Mimi nina every single time. You don't need Mimi. The Ni- in Nina already means «I.» It's like saying I I have. It sounds a bit repetitive. Just say Nina. Another mistake is forgetting the prefix. Beginners often just say na. Na by itself just means and. If you say Pesa na, people will wait for you to finish. They will think you mean
Money and... something else.
Always attach the prefix. Yes, even native speakers might drop things in slang. But for you, keep them attached. Think of the prefix and -na as twins. They never go anywhere without each other.

مقارنة مع أنماط مشابهة

Don't confuse -na as a verb with -na- as a tense marker. This is the biggest hurdle for new learners. Swahili uses -na- to show the present continuous tense.
For example, Ninasoma means I am reading. In that case, -na- is sandwiched between a prefix and a verb. But when -na is the main event, it means to have.
  • Ninasoma: I am reading (Action).
  • Nina kitabu: I have a book (Possession).
It looks similar, but the context changes everything. If there is no other verb after it, it usually means have. If there is a verb, it is just a tense marker. It is like a hat that changes its meaning depending on the outfit.

أسئلة شائعة

Q

Is it the same for male and female?

Yes! Ana means both he has and she has.

Q

Can I use it for my pets?

Absolutely. Nina mbwa means

I have a dog.

Q

How do I ask a question?

Just raise your voice at the end. Una kalamu? (Do you have a pen?)

Q

Is it formal or informal?

It is both! It works in a palace or a pub.

Q

Does it work for plural things?

Yes. Nina vitabu (I have books). The verb doesn't change for plural objects.

1. Affirmative Possession

Person Prefix Particle Result
I
ni
na
nina
You
u
na
una
He/She
a
na
ana
We
tu
na
tuna
You (pl)
m
na
mna
They
wa
na
wana

Meanings

The -na particle is used to express possession or accompaniment.

1

Possession

Owning or holding an object.

“Nina pesa.”

“Ana nyumba.”

2

Accompaniment

Being with someone or something.

“Nina rafiki hapa.”

“Ana mume wake.”

Reference Table

Reference table for The Verb 'to have' -na (Expressing Possession)
Form Structure Example
Affirmative
Subj + na
Nina kitabu
Negative
Neg-Subj + na
Sina kitabu
Question
Subj + na + ?
Una kitabu?
Short Answer
Ndiyo/Hapana
Ndiyo, nina
Emphasis
Subj + na + -yo
Ninacho kitabu
Plural
Subj + na
Tuna vitabu

طيف الرسمية

رسمي
Nina gari.

Nina gari. (General)

محايد
Nina gari.

Nina gari. (General)

غير رسمي
Nina gari.

Nina gari. (General)

عامية
Niko na gari.

Niko na gari. (General)

The 'Na' Web

na

Possession

  • nina I have

Accompaniment

  • tuna rafiki we are with a friend

أمثلة حسب المستوى

1

Nina gari.

I have a car.

2

Sina pesa.

I don't have money.

1

Una watoto wangapi?

How many children do you have?

2

Tuna nyumba nzuri.

We have a beautiful house.

1

Ana kazi nzuri jijini.

He has a good job in the city.

2

Hamna shida yoyote.

You (plural) have no problem at all.

1

Wana uwezo wa kufanya hivyo.

They have the ability to do that.

2

Huna sababu ya kuondoka.

You have no reason to leave.

1

Tunayo nafasi ya kubadilisha mambo.

We have the opportunity to change things.

2

Anayo elimu ya kutosha.

He has sufficient education.

1

Wanao wajibu wa kulinda haki hizi.

They have the duty to protect these rights.

2

Sina budi ila kukubali.

I have no choice but to accept.

سهل الخلط

The Verb 'to have' -na (Expressing Possession) مقابل Kuna vs Nina

Learners mix up existence and possession.

The Verb 'to have' -na (Expressing Possession) مقابل Niko na vs Nina

Both mean 'I have' in some dialects.

The Verb 'to have' -na (Expressing Possession) مقابل Sina vs Huna

Mixing up subject prefixes.

أخطاء شائعة

Mimi na gari

Nina gari

Don't use the pronoun 'mimi' with 'na' for possession.

Nina kuwa gari

Nina gari

Do not add 'kuwa' (to be).

I na gari

Nina gari

Use the prefix, not the English pronoun.

Yeye ana gari

Ana gari

The subject prefix already includes the pronoun.

Sina na gari

Sina gari

Don't double up the particle.

Tuna na gari

Tuna gari

Don't double up the particle.

Kuna gari yangu

Nina gari yangu

Kuna is for existence, not possession.

Anayo gari

Ana gari

Only use -yo for emphasis.

Sina gari yoyote

Sina gari

Keep it simple.

Nina kuwa na gari

Nina gari

Avoid redundant verbs.

Anayo yeye gari

Anayo gari

Redundant pronoun.

Sina yeye gari

Sina gari

Incorrect object placement.

أنماط الجُمل

Nina ___.

Sina ___.

Una ___?

Real World Usage

Texting constant

Una muda?

Job Interview common

Nina uzoefu.

Shopping very common

Sina pesa.

💡

Prefixes are key

Always check your subject prefix before adding 'na'.
⚠️

Don't use 'kuwa'

Never say 'Nina kuwa'. It is grammatically incorrect.
🎯

Use 'Sina' for everything

Sina works for all nouns, making it very easy to use.

Smart Tips

Drop the pronoun and just use the prefix.

Mimi nina gari. Nina gari.

Use 'Sina' instead of 'Si na'.

Si na gari. Sina gari.

Just add a question mark to the statement.

Je, una gari? Una gari?

النطق

ni-NA

Stress

Stress the second to last syllable.

Question

Una gari? (rising pitch at end)

Turns statement into question

احفظها

وسيلة تذكّر

Think of 'na' as 'n-a' (Near-Attached). If it's near you and attached to you, you have it!

ربط بصري

Imagine holding a giant letter 'N' and 'A' in your hands. Whatever you are holding, you 'na'.

Rhyme

To say you have, just add 'na', it's the easiest thing, ha-ha!

Story

Juma is walking. He has a bag. 'Nina mfuko,' he says. He meets Maria. 'Una mfuko?' she asks. 'Ndiyo, nina,' Juma replies.

Word Web

ninaunaanatunamnawana

تحدٍّ

Look around your room and say 'Nina [object]' for 5 items in 1 minute.

ملاحظات ثقافية

In Tanzania, 'Nina' is standard and polite.

In Kenya, you might hear 'Niko na' more often in casual speech.

The particle 'na' is a Proto-Bantu comitative marker.

بدايات محادثة

Una gari?

Una muda?

Una ndugu hapa?

مواضيع للكتابة اليومية

List 5 things you have in your bag.
Describe your family members.
What do you have in your house?

أخطاء شائعة

Incorrect

صحيح


Incorrect

صحيح


Incorrect

صحيح


Incorrect

صحيح

Test Yourself

Fill in the blank.

___ gari. (I have a car)

✓ Correct! ✗ Not quite. Correct answer: Nina
Ni is the prefix for 'I'.
Correct the sentence. Error Correction

Find and fix the mistake:

Mimi na gari.

✓ Correct! ✗ Not quite. Correct answer: Nina gari
Don't use the pronoun.
Choose the correct negative. اختيار متعدد

I don't have a car.

✓ Correct! ✗ Not quite. Correct answer: Sina gari
Si is the negative prefix for 'I'.
Translate to Swahili. الترجمة

We have money.

Answer starts with: Tun...

✓ Correct! ✗ Not quite. Correct answer: Tuna pesa
Tu is the prefix for 'we'.

Score: /4

تمارين تطبيقية

4 exercises
Fill in the blank.

___ gari. (I have a car)

✓ Correct! ✗ Not quite. Correct answer: Nina
Ni is the prefix for 'I'.
Correct the sentence. Error Correction

Find and fix the mistake:

Mimi na gari.

✓ Correct! ✗ Not quite. Correct answer: Nina gari
Don't use the pronoun.
Choose the correct negative. اختيار متعدد

I don't have a car.

✓ Correct! ✗ Not quite. Correct answer: Sina gari
Si is the negative prefix for 'I'.
Translate to Swahili. الترجمة

We have money.

✓ Correct! ✗ Not quite. Correct answer: Tuna pesa
Tu is the prefix for 'we'.

Score: /4

الأسئلة الشائعة (6)

Yes, 'nina rafiki' means 'I have a friend'.

No, it is a particle.

Use 'Sina'.

Yes, for every person.

Yes, it is standard.

Yes, 'kuna' is for existence.

Scaffolded Practice

1

1

2

2

3

3

4

4

Mastery Progress

Needs Practice

Improving

Strong

Mastered

In Other Languages

Spanish low

Tener

Swahili is not a verb-based possession system.

French low

Avoir

French uses a verb; Swahili uses a particle.

German low

Haben

German is a verb-based system.

Japanese moderate

ga aru

Japanese distinguishes between animate/inanimate.

Arabic high

Indi

Both use a prepositional/particle approach.

Learning Path

Prerequisites

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