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Nyota Group
In this Group: Kabuo, Djati, Miruho, Kahambu, Kahambu , Misago, Kahindo, Kahambu , Kabuo , Katungu, Kavira, Kavira, Kakule, Kavira, Kavira, Mwanvua
Kahambu W. E. is the president of the loan group Nyota. Dressed in the black dress, she is raising her hand in the photo. She is a client on her 16th loan cycle, 34 years old, married, and mother of three children, all of whom attend school. Her husband is a small trader of various products. Kahambu W. E. sells diverse products like suitcases, small chain jewelry, dresses, blouses, pants, women's boubous (traditional clothing), skirts, shoes, etc. in her small shop. Sometimes family friends buy her products.
She began her business with her own funds from her husband. Her initial capital was $100. This allowed her to launch a business selling rice. A short time afterward, in collaboration with her husband, her business evolved into a small boutique. She has now done this work for 13 years.
With a loan from IMF Hekima, Kahambu W. E. wishes to increase her sales by purchasing six suitcases, four female boubous, six blouses, six skirts, and ten Manzaza chains. Kahambu's biggest challenge is that she still rents (at home and at her workplace). Thus, all of her business profits go to pay her rent, estimated at $20 per month. Sometimes, her lessor insists that she guarantee nine months' payment.
In the future, Kahambu W. E. plans to grow her business and leave the communal bank for a united group which offers many operational advantages in terms of increased credit, interest tax, and repayment deadlines. Moreover, in the near future, Kahambu wishes to buy a plot of land and, god willing, a car. In ten years, she intends to open a second boutique in the center of Goma. She plans on getting supplies from the world's large commercial centers, either in Dubai or in China.
Kahambu thanks the IMF Hekima for the loans she received without any material guarantee because, thanks to these loans, she has already equipped her house, she manages to meet her children's needs, and her business is prospering.
The Nyota group is made up of 16 members, the majority of whom are female.
View original language description ↓
Kahambu W. E. est présidente du groupe de crédit Nyota, habillée en robe noire, elle lève sa main sur la photo, cliente au 16e cycle de crédit, âgée de 34 ans, mariée, mère de 3 enfants, tous vont à l’école. Son mari est petit commerçant de divers produits.
Kahambu W. E. vend des divers entre autres les valises, chainettes, robes, chemises, pantalons, boubou femme, jubés, souliers, etc. dans son petit magasin, et parfois dans des familles amies preneurs de ses produits. Elle a commencé son petit commerce avec son fonds propre reçu de son mari.
Son capital initial était de 100$. Ce qui lui a permis de lancer une activité de vente de riz et peu après, en collaboration avec son mari, son business a évolue jusqu'à créer une petite boutique. Il y a 13 ans qu’elle exerce cette activité.
Avec le crédit de l’IMF Hekima, Kahambu W. E. souhaite augmenter son chiffre d’affaire en achetant 6 valises, 4 boubous femmes, 6 blouses et 6 jupes, 10 chainettes Manzanza.
Le grand défi de Kahambu W. E., elle est encore locataire (à son domicile et au lieu de travail) alors tous les profits de son business payent les charges de loyers estimées à 20$ par mois. Et parfois son bailleur lui exige de payer une garantie de plus de 9 mois.
Dans l’avenir, Kahambu W. E. planifie accroitre son business et quitter la banque communautaire vers le groupe solidaire qui offre beaucoup plus d’avantages opérationnels en terme du montant de crédit, de taux d’intérêt et de l’échéance de remboursement etc.
En outre Kahambu W. E. souhaiterait dans un futur proche, acheter une parcelle et si Dieu lui prête vie, acheter aussi une voiture.
Dans le 10 ans, elle ambitionne ouvrir une deuxième boutique dans le centre ville de Goma. Elle compte s’approvisionner à la source dans le grand centre commercial mondial soit à Dubaï ou soit à Chine.
Kahambu W. E. remercie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle a déjà équipé sa maison, elle parvient à subvenir aux besoins de ses enfants et son business prospère bien.
Ce groupe Nyota est composé de 16 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.)

  • $700
    Average annual income
  • 15
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,650,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Nyota Group's $3,500 loan helped a member purchase of six suitcases, four female boubous, six blouses, six skirts, and ten Manzaza chains.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 27, 2010
Listed
Jun 1, 2010
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2010