Nina uthibitisho wa malipo.

Nina means I have.

It is built from:

• ni- = I
• -na = have / be with

So:

• nina = I have
• una = you have
• ana = he/she has

This is one of the most useful basic patterns in Swahili.

No. You do not need mimi here.

The ni- in nina already tells you the subject is I. So Nina uthibitisho wa malipo is complete by itself.

You would only add mimi for emphasis or contrast:

• Mimi nina uthibitisho wa malipo. = I have proof of payment.

Uthibitisho is a noun meaning proof, confirmation, or verification.

In this sentence, it has an official or documentary feel. It can refer to something that shows payment was made, such as:

• a receipt
• a transaction message
• a bank confirmation
• some other evidence of payment

So it is broader than just one specific paper slip.

Here, wa means of.

So:

• uthibitisho wa malipo = proof of payment

Swahili often links two nouns this way:

• noun + -a connector + noun

The connector changes form depending on the first noun. In this case, the correct form is wa.

Because the connector agrees with the first noun, not the second one.

In uthibitisho wa malipo, the connector is chosen to match uthibitisho, so wa is correct.

This is a very common point for English speakers to notice. In English, we just use of, but in Swahili the form of of changes depending on the noun before it.

Malipo belongs to a noun class that often has the ma- prefix. In real usage, malipo can refer to:

• payment
• payments
• a payment transaction

So even though it may look plural to a learner, in context it can naturally refer to a single payment event or payment in a general sense.

No. Swahili does not use articles like a or the the way English does.

So Nina uthibitisho wa malipo can mean:

• I have proof of payment
• I have the proof of payment
• I have a proof of payment

The exact nuance depends on context.

Yes, it sounds fairly formal or administrative, which makes sense for situations involving payment records.

If you specifically mean receipt, people might also say:

• Nina risiti. = I have a receipt.

But uthibitisho wa malipo is broader than risiti. It means any acceptable proof that payment was made, not only a receipt.

You can change it like this:

• Je, una uthibitisho wa malipo? = Do you have proof of payment?
• Sina uthibitisho wa malipo. = I do not have proof of payment.

Useful pattern:

• nina = I have
• una = you have
• sina = I do not have
• hana = he/she does not have

So once you know nina, you can make many similar sentences very easily.