Tabu is the entrepreneur of a cafeteria (mini-restaurant) set up in the Virunga district at a neighborhood market. She started this mini-restaurant enterprise with her own funds received from her husband after the eruption of the Nyiragongo volcano February 16 and 17, 2002 which completely destroyed the city of Goma. Stricken and homeless, she too found herself a victim of this volcanic eruption.
Her initial capital was $100. A little later, she was informed of the micro-finance institution Hekima, which lends to the poor, without any collateral, through loan groups. From that, she is benefiting from her first reinforcement loan.
With the loan from MFI Hekima, Tabu wishes to increase her sales by buying: a sack of beans, 25 kilos of rice, two cases of Fanta soda, two containers of Rina vegetable oil, 20 kilos of potatoes, three bunches of bananas, 10 kilos of meat, some fish, vegetables, etc.
The big challenge of hers is that people do not buy when there is no money in circulation. Despite all this, she is deriving as much profit as she can, since food is the priority of all priorities of anyone. She is comfortable with her business.
In her plans, she wishes to build a house on her former parcel of land where the flow of lava of the erupting Nyiragongo volcano crossed. In addition, she is determined to cover the costs of her children's schooling on a regular basis.
Tabu thanks the MFI Hekima for the repeated loans she receives without any collateral at all because, given these loans, she says she is managing to provide for her family.
The group Adhadi is composed of seventeen members, most of whom are women.
Tabu E. est entrepreneur d’un cafeteria (mini restaurant) installé dans le quartier Virunga, avenue coin du marché. Elle a commencé son entreprise de mini Restaurant avec son fonds propre reçu de son mari après l’éruption du 16-17 février 2002 du volcan Nyiragongo qui a complètement détruit la ville de Goma. Madame Tabu E. s’est retrouvée aussi victime de cette éruption volcanique, sinistrée, sans abris. Son capital initial était 100$ et un peu plus tard, elle fut informée de l’IMF Hekima qui donne des crédits aux pauvres sans aucune garantie a travers les groupes de crédit, delà, elle bénéficie son 1er crédit de renforcement.
Avec le crédit de l’IMF Hekima, Tabu E. souhaite augmenter son chiffre d’affaire en achetant des aliments : 1 sacs de haricots, 25 kilos de riz, 2 caisses de sucrés Fanta, 2 bidons d’huile végétale Rina, 20 kilos de pommes de terre, 3 régimes de bananes, 10 kilos de viandes, des poissons, legumes, etc.
Le grand défi de madame Tabu E. c’est que les gens n’achètent pas lors qu’il n’y a pas d’argent en circulation. Malgré tout cela Tabu E. y tire son maximum de bénéfice, car la nourriture est la priorité des priorités de tout homme. Madame Tabu E. est confortable avec son business.
Dans ses projets, elle souhaite construire une maison dans son ancienne parcelle où la coulée de lave de l’éruption du volcan nyiragongo ait traversé. En outre, elle tient à payer régulièrement les frais scolaires de ses enfants.
Madame Tabu E. remercie l’IMF Hekima pour les crédits permanents qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir aux besoins de sa famille dit- elle.
Ce groupe Ahadi est composé de 17 membres majoritairement 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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