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Lumiere Group
In this Group: Etita , Sofie, Kalimutima, Kahindo, Luhitso, Chibalonza, Mwamini , Sikujua , Kakuru, Kahindo, Ndianabo, Namana, Furaha , Kimbayi, Nabunani, Lukoo, Sikujua, Mateso, Bushashiri, Bora , Mapendo, Julienne, Bavukire, Tulinabo, Namavu, Sifa , Furaha , Safi, Mwamini , Kafurura , Riziki
Etita L. is the president of the Lumière (Light) group. She is the one who is raising her hand in the group photo. On her fifth loan, Etita is 35 and married, the mother of seven children, among whom five are enrolled in school while two are not yet school-aged. Etita's husband is a small-scale businessman.

Etita began her little business with her own money that she received from her husband. Her business is to sell various products, notably jerseys, dishes, other clothes and underwear, padlocks, scissors, flashlights, etc. She buys her merchandise in the town of Goma, at the Birere shopping center, and takes her merchandise to sell about 50 km away, in the rural area surrounding Minova.

Besides this business, she sells tomatoes, manioc flour, maize flour, small dried fish, cabbages, and peanuts out of her house. She has been in these two businesses for two years.

With the MFI Hekima loan, she hopes to increase her sales by buying $50 worth of jerseys, $100 of dishes, $30 worth of underwear, $30 worth of padlocks, $10 worth of bras, some boxes of razors, and pay for transport costs to and from her supply point. In future she hopes to be able to rent a store in Goma so that she won't have to sell her wares on foot. She would like to be able to buy a plot of land, and to educate and comfortably nourish her children.

Our client, Etita L., thanks Hekima for the loan she is to receive which will allow her to expand her commercial activities.

This group, 'Lumière,' is composed of 31 members, most of them women.
View original language description ↓
Etita L. est présidente du groupe Lumière, elle lève sa main sur la photo, cliente au 5e cycle, âgée de 35 ans, mariée, mère de 7enfants parmi lesquels 5 étudient et 2 autres n’ont pas l’âge scolaire. Son mari exerce le petit commerce.
Elle a commencé son petit commerce avec son fonds propre reçu de son mari. Son business est de vendre des produits divers notamment des tricots, assiettes de ménage,vétêments, sous vétêments, cadénats, ciseaux,torches, etc. Elle s’approvisionne dans la Ville de Goma au centre commercial de Birere et va revendre ces produits à 50 km dans la zone rurale de Minova. En plus de cet activité , elle vend des tomates, la farine de manioc, farine de maïs, des fretins, des choux,arachides à son domicile. Il y a deux ans qu’elle exerce ces activités.
Avec ce credit de l’IMF Hekima,elle souhaite augmenter son chiffre d’affaire en achetant plus des produits divers.
Dans l’avenir elle souhaite louer un magasin à Goma et eviter le commerce ambulant. Elle projete acheter une parcelle ,scolariser, nourrir confortablement ses enfants.
La cliente Etita L. remercie Hekima pour le crédit qu’elle recoit pour renforcer ses activités commerciales.
Ce groupe Lumière est composé de 31 membres majoritairement femmes.

Additional Information

Important Information

HEKIMA is a microfinance institution headquartered in Goma, Democratic Republic of the Congo (DRC), with branch offices in Goma and Bukavu. HEKIMA aims to contribute to the transformation of the economic, social, and spiritual lives of the economically active poor of the DRC. To this end, HEKIMA provides its clients with solidarity group loans to support income-generating activities. Despite ongoing instability and violence in its operating areas, HEKIMA continues to keep its doors open and provide credit and savings services for its over 90% female clientele.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 4
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $12,423,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Lumiere Group's $4,725 loan helped a member buying goods to expand her business inventory and paying transport costs.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 15, 2010
Mar 16, 2010
Currency Exchange Loss:
Aug 15, 2010