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Hodari Group
In this Group: Kapinga , Mugaruka , Bachinyunjuze, Safi , Antoinette , Mwadjuma, Alu, Maombi , Nabankulire, Rudodo, Urimubenji, Nabarankabaka, Maneno, Bamuhire, Biralo
Kapinga M. is vice-president of the Hodari credit loan group. A smiling giant of a woman (she is seen raising her hand on the picture), currently in her 11th loan cycle, she is a 36-year-old widow, the mother of seven children all attending school: four in the primary and three in the secondary school system.

Her husband passed away 25 January 2005 in Kigali (Rwanda) following a prolonged lung-related illness. She has been the sole support of her children these past five years, which weighs heavily on the rapid expansion of her business.

Her business is free-style in nature, itinerant without a fixed location. She provides bed sheets, children’s clothing, pagnes and boubous (colourful West-African clothing), and gold jewelry to all who are interested. It has now been five years since she began an activity known as “lutte-lutte pita pita”.

She used to live in Kigali, where most of her in-laws reside, and following her husband’s death, without any savings, she began weaving clothes and tablecloths, etc. The earnings from this activity (craft) enabled her to move from Rwanda to the Democratic Republic of Congo with her children, where with her remaining $50 she was able to settle in a guesthouse.

She started to trade in tomatoes, gasoline, salt, milk, powdered detergent (OMO). Then she learned that the Hekima MFI provided loans without collateral, and she was granted her first reinforcement loan.

She had just re-established some financial balance when she became one of many victims of the 8 July 2009 fire that destroyed over 900 homes in Goma, inside the Birere shanty-town.

With the Hekima MFI loan Kapinga M. wishes to increase her turnover by buying 6 pairs of bedsheets, a half-dozen gold chains (locally called “Garantie manzanza”), a half-dozen quality dresses from Congo Brazzaville, and six pagnes.

She is also an Evangelist acolyte in a local church (Christ is King) and sometimes participates in “Spiritual Combat”, a Christian revivalist ministry.

She is comfortable with how her business is going, and in the future envisions buying a plot of land as inheritance for her children and eventually renting out as a property owner. Additionally she hopes to see all of her children finish their studies with diplomas that will serve them in their future.

Kapinga M. thanks the Hekima MFI for the loans she has received without any collateral because that is what enabled her to meet her children’s needs. She was finally able to enjoy relief and financial stability for the first time since her husband’s death, thanks to Hekima’s loans.

The Hodari loan group is made up of 15 members, for the most part women.
View original language description ↓
Kapinga M. est vice présidente du groupe de crédit Hodari,géante avec sourire aux levres, elle lève sa main sur la photo, cliente au 11e cycle, âgée de 36 ans, veuve, mère de 7 enfants et tous étudient dans des écoles normales dont 3 à l’école secondaire et 4 à l’école primaire.
Son mari est décedé le 25 janvier 2005 à Kigali/Rwanda suite à une longue maladie de poumons. Pendant ces 5 ans, elle supporte seule la charge de ses enfants orphelins .
Cette charge pèse lourdement sur croissance rapide de son business.
Son business est liberal, sans adresse et ambilatoire, elle fournit des draps,des habits pour enfants, pagnes, boubous, bijoux en or aux différents preneurs . Il y a 5 ans qu’elle exerce cette activité appelée "lutte-lutte pita pita".
Elle vivait au Rwanga/Kigali, où le gros de sa belle famille réside, après la mort de son mari, elle se vit sans aucune économie, elle a commencé à tisser les tricots, les napes, etc. Les revenus de ce petit métier(art) lui a permis de deplacer ses enfants orpheilns du Rwanda vers la RDCongo et les quelques dollars qui sont restés d’une valeur de 50$ lui a permis de prendre un guest house pour s’installer. Elle a commencé à marchander avec les tomates, pétrol, sels, lait, savon en poudre OMO. Ensuite,elle fut informé de l’IMF Hekima qui donne des crédits sans garentie, elle a béneficié le premier crédit de renforcement.
Lorsqu’ elle venait de retrouver l’équilibre, elle a été en nouveau victime d’une incendie du 08 juillet 2009 qui a brillé plus de 900 maisons dans la ville de Goma, dans le quartier populaire bidonville de Birere.
Avec le crédit de l’IMF Hekima, Kapinga M. souhaite augmenter son chiffre d’affaire en achétant 6 paires des draps, sizaine de chainettes d’or (localement appele Garentie manzanza), Sizaine de robes de qualité du Congo Brazza, 6 pagnes .
Kapinga M. est également servante Evangeliste dans une eglise locale ‘’Chist est Roi” et parfois dans un ministrère chretien de réveil “Combat Spirituel”.
Kapinga M. est confortable avec son business, dans l’avenir, elle planifie acheter une parcelle d’heritage pour ses enfants orphelins et finir avec le status de locataire de maison. En outre Kapinga M. revet voir tous ses enfants finir les études avec des diplômes qui leurs serviront dans le futur.
Kapinga M. rémércie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grace à ces credits lui permet de subvenir aux besoins de ses enfants.
Enfin, Kapinga M. a aisement trouvé le soulagement et l’équilibre économique grace aux crédit s de Hekima, après la mort de son mari.
Le groupe de crédit Hodari est composé de 15 membres majoritairement femmes.



Additional Information

More information about this loan


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.)

  • $119
    Average annual income
  • 0
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $10,380,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Hodari Group's $5,000 loan helped a member 6 pairs of bedsheets, 6 guaranteed gold chains, 6 quality dresses from Congo Brazzaville, and 6 pagnes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 15, 2010
Listed
Apr 18, 2010
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2010