Kavira sells smoked and fresh fish on a wholesale basis at the central market in Virunga. She began her small business with her own funds, a profit of $100 from a small commission. At that time she still lived in Vitshumbi, a fishing village situated alongside the west coast of Lake Verunga (known previously as Lake Edouard). She was delivery girl, intermediary and assistant to fish buyers coming from the town of Bukavi (south Kivu) and the fish farmers in Vitshumbi. She has been carrying out this fish selling business for the past 22 years.
With the loan from IMF Hekima, Kavira would like to increase her turnover by buying 200 or approximately two baskets of smoked fish and 400 or approximately three baskets of fresh fish. The main challenge of this activity is not to lose fish as a result of them rotting. For this reason she would like to buy a freezer. As far as her family is concerned, Kavira would like to send her fatherless children to school on a regular basis and see them get their diplomas so that they can do something useful for themselves and for society.
In the future, Kavira is planning to build a house with four bedrooms on her patch of land, which she will rent out in order to increase her income.
Kavira is grateful to IMF Hekima for her loans which she obtains without any material guarantee, since thanks to these loans she is able to provide for the needs of her children.
The Tuungane group is made up of 14 female members.
Kavira B. J. vend en gros des poissons fumés et frais au marché central de Virunga, elle a commencé son petit commerce avec son fonds propre, gain de 100$ (profit) d’une petite commission. A ce moment là, elle vivait encore à Vitshumbi, pêcherie située au long du lac (cote Ouest du lac Virunga) anciennement appelé lac Edouard. Elle fut commissionnaire, intermédiaire, facilitateur entre les acheteurs des poissons en provenance de la ville de Bukavu (sud Kivu) et les pêcheurs exploitants de Vitshumbi. Il y a 22 ans qu’elle exerce cette activité de vente des poissons.
Avec le crédit de l’IMF Hekima, Kavira B. J. souhaite augmenter son chiffre d’affaire en achetant 200 poissons environs 2 paniers des poissons fumés et 400 poissons frais environs 3 paniers. Le grand défi de cette activité est la perte due à la pourriture des boissons. Sur ce, elle compte acheter un congélateur (frigo). Pour sa famille, Kavira B. J. souhaite scolariser régulièrement ses enfants orphelins et les voir obtenir leurs diplômes pour qu’ils soient utiles à eux-mêmes et pour la société.
Dans l’avenir, Kavira B. J. planifie construire une maison de 4 chambres dans sa parcelle, qu’elle mettra à location pour augmenter son revenu.
Kavira B. J. 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 Tuungane est composé de 14 membres femmes.
Important InformationHEKIMA 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.
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