The present tense is constructed with the use of the infix/TENS-marker "-na-" and the use of the prefix that marks the respective subject.
|First||Ni-na-penda||I like/love||Tu-na-penda||We like/love|
|Second||U-na-penda||You like/love||M-na-penda||You like/love|
|Third||A-na-penda||She/he likes/loves||Wa-na-penda||They like/love|
The negation in the present uses the respective negative prefixes for marking the subject. But unlike the positive, it omits the TENS-marker and changes the last vovel ("-a" in the regular case) into an "-i".
|First||Si-_-pendi||I do not like/love||Hatu-_-pendi||We do not like/love|
|Second||Hu-_-pendi||You do not like/love||Ham-_-pendi||You do not like/love|
|Third||Ha-_-pendi||He/she does not like/love||Hawa-_-pendi||They do not like/love|
The habitual is much simpler to form and usually indicates an action that is usually done.
No subject prefix is used, just the prefix "Hu-" is added in front. (Hu-penda) As this lacks the information about the acting subject, the personal pronoun is used to clarify on the subject, if not clear from the context.
Example: Wewe hufanya (You usually do)