Mimi ninataka chai ila sina pesa.

I want tea but I don't have money.

Breakdown of Mimi ninataka chai ila sina pesa.

• mimi: I
• chai: the tea
• kutaka: to want
• kuwa na: to have
• pesa: the money
• ila: but

Questions & Answers about Mimi ninataka chai ila sina pesa.

Why do we start the sentence with Mimi when the verb ninataka already shows “I”?

In Swahili the verb prefix ni- in ninataka already means “I.” Adding Mimi is optional and just adds emphasis or clarity, like saying “As for me, I want tea.” Without emphasis you can simply say Ninataka chai ila sina pesa.

How exactly is the verb ninataka formed?

Ninataka breaks down into:
• ni- = 1st person singular subject (“I”)
• -na- = present tense marker
• -tak- = verb root “want”
• -a = final vowel
Put together: ni-na-tak-a = “I want.”

What does ila mean, and is there another way to say “but”?

Ila is a conjunction meaning “but” or “except.” You can also use lakini, which is slightly more formal or literary. For example:
• Ninataka chai ila sina pesa.
• Ninataka chai, lakini sina pesa.

Why do we say sina pesa for “I don’t have money” instead of a regular negative?

Possession in Swahili uses kuwa na (“to have”), and its negative is formed irregularly. For 1st person singular:
• kuwa na → ni-na- (“I have”) → nina pesa
• Negative: si- + -na → sina pesa (“I don’t have money”)
You don’t say si-kuwa na, you simply use sina.

Could I say hakuna pesa instead of sina pesa?

You can, but hakuna pesa means “there is no money” in general (impersonal). Sina pesa specifically means “I don’t have money.” They’re both correct but convey slightly different perspectives.

Why is there no article like “the” or “a” before chai or pesa?

Swahili does not use definite or indefinite articles. Nouns stand alone without a/the. Context tells you whether you mean “some tea,” “the tea,” etc. If you need specificity you might add a demonstrative: chai hiyo (“that tea”).

Why is it chai for “tea” and not tiki or something else?

Chai is a loanword from Persian through Arabic; it belongs to noun class 9/10. It doesn’t change in the plural (mass noun). You just say chai whether you mean one cup or tea in general.

Can I drop the comma and the subject pronoun and say Ninataka chai ila sina pesa?

Yes. Both the comma and Mimi are optional in everyday speech. The most natural spoken form is:
Ninataka chai ila sina pesa.

If I wanted to say “I don’t want tea because I have no money,” how would I change it?

You’d switch ila for kwa sababu (“because”):
Ninataka chai, lakini sina pesa.
→ “I want tea, but I have no money.”
Ninataka chai kwa sababu sina pesa.
→ “I want tea because I have no money.”