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Neema Group
In this Group: Riziki, Masika, Shombo , Ziana, Kyakimwa, Kabuo, Masika
Riziki C. is the president of the loan group Neema.  (In the photos, she is the one with her hand raised and a bright smile.)  She is a 10th cycle client who is 35 years old, married, and the mother of seven children. Of these seven children, four are studying, one remains in the village, and two other children are not studying, since they are not yet of school age.  Her husband is a bus driver (intercity). 

Riziki started her small business with her own funds received from her husband.  Her initial capital amounted to $50.  Her business involves selling fish (smoked, salted, or fresh) in the small market in the TMK district.  She has been in this business of selling fish for ten years. 

With the loan from the micro-finance institution Hekima, she wishes to increase her sales by buying two baskets of smoked fish called "moshi", six loads of salted fish called "makayabo", and thirty fresh fish called "mbichi mbichi".  She also has a small practice as a traditional healer (who administers care based on medicinal plants), and she braids hair to increase her income. 

In the future, Riziki would prefer to switch from selling fish, since she has sometimes experienced losses from rotten fish due to the lack of cold storage for keeping her goods and sometimes due to the lack electricity for the refrigerator.  She remains optimistic by emphasizing that, to switch businesses, she needs 2,000 in capital, which she plans on having one day. 

Riziki expresses her thanks to the MFI Hekima for the loans she receives with no need for any collateral at all because, thanks to these loans, she is managing to provide for her children.

This group, Neema, is composed of seven members, most of whom are women. 
View original language description ↓
Riziki C. est présidente du groupe de crédit Neema, elle lève sa main sur la photo, avec sourire éclatante, cliente au 10e cycle, âgée de 35 ans, mariée, mère de 7 enfants parmi lesquels 4 étudient ,1 reste au village , 2 autres enfants n’étudient pas car ils n’ont pas encore l’âge scolaire . Son mari est chauffeur de taxi bus( transville).
Elle a commencé son petit commerce avec son fonds propre reçu de son mari. Son capital initial était de 50$ .Son business est de vendre les poissons (fumés, salés ou à l’état frais) dans le petit marché du quartier TMK . Il y a 10 ans qu’elle exerce cette activité de vente des poissons.
Avec le crédit de l’IMF Hekima, Riziki C. souhaite augmenter son chiffre d’affaire en achetant 2 paniers des poissons fumés appelés « Moshi » 6 tas de poissons salés appelés « Makayabo », et 30 poissons frais appelés « Mbichi mbichi ».
Riziki C. fait également des petits métiers de guérisseur traditionnel (administrer des soins en base des plantes médicinales), tresser les cheveux pour accroitre son revenu.
Dans l’avenir, elle planifie de changer l’activité et faire le commerce général de savon en poudre Omo, Huiles végétales, farine, sucrés, etc.
Riziki C. préférait changer son activité de vente des poissons étant donné qu'elle connait parfois des pertes liées à la pourriture de poissons par manque de chambre froide pour une meilleure conservation de ses produits et parfois par manque de l’électricité pour le frigo. Elle reste très optimiste en soulignant que pour changer cette activité, il lui faut un capital de 2000, qu’elle ambitionne dans le jour futur.
Riziki C. remercie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir aux besoins de ses enfants
Ce groupe Neema est composé de 7 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
  • $12,396,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Neema Group's $2,400 loan helped a member two baskets of smoked fish, six loads of salted fish, and thirty fresh fish .
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 19, 2010
Apr 21, 2010
Currency Exchange Loss:
Sep 15, 2010