<translate> Zaidi ya nadharia hii, ni kwamba Kiswahili ni pijini au lugha chotara inayojumuisha lugha nyingine kadhaa; Kireno, Kihindi na Kiajemi, kwa kuwa hawa ni baadhi ya raia wengine ambao walikuwepo kwenye pwani ya Afrika Mashariki, wakati huo huo, kwa madhumuni ya biashara. Lugha hii ina idadi kubwa ya maneno yaliyokopwa, ambayo yanaunga mkono nadharia hii; meza, neno la Kiswahili la meza, lina asili ya Kireno na chapati ni neno la Kiswahili lenye asili ya Kihindi. <eng>
Further to this theory, is that Kiswahili is a pidgin or a mixture that includes several other languages; Portuguese, Indian and Persian, as these are some of the other nationalities that were present along the EA coast, at the same time, for trading purposes. The language has a significant number of borrowed words, which supports this theory; meza, the Kiswahili word for table, is of Portuguese origin and chapati is a Kiswahili word of Indian origin. 