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Kahambu
M. Kahambu is an entrepreneur who makes a local beverage known as “Rutuku” and is an excellent solidarity group client. A recipient of previous Hekima IMF loans, she is 66, married and the mother of 11 children, seven of whom have their own homes. The four others are students. Mrs. Kahambu lives in the busy neighborhood of Birere-Kahembe, a shantytown in Goma. Her husband is a teacher at the Kajiga/Karisimbi primary school.

Mrs. Kahambu began her small business using her own funds. She did it on a very small scale, borrowing what was required to make the local drink Rutuku (corn, flour, charcoal, etc.) from her friends and acquaintances, whom she paid after production as she had no capital up front. It was a way of introducing her to taking care of her own needs. In brief, Rutuku is an alcoholic beverage, about 47% proof, brewed from a mixture of fermented cassava flour, corn, sorghum, etc. that is heated to more than 180C (356F) in a vessel connected to a discharge chimney (made using local technology). The droplets resulting from the evaporation process are collected in a bowl and cooled so the result tastes like a liqueur. Given the family expenses, her husband’s bonus or salary from the DRC government is insufficient to make ends meet each month, so Mrs. Kahambu has developed other businesses, including walking around selling women’s clothes and traditional African cloth (pagnes). This helps her meet the household expenses. More specifically, the small profit made from producing Rutuku has enabled her to save enough money to buy a sewing machine and establish a small clothing business. In addition, she works with her son Jacques. They have a public phone kiosk and sell cell phone cards (Vodacom, MTN Supercell, Zain, CCT, etc.). It was after someone told her about the Hekima IMF that she obtained her first loan.

With this Hekima IMF loan, Mrs. Kahambu wants to increase her revenues by buying, among other things, two bags of corn, four bags of cassava flour, 12 pieces of African cloth, and 62 public phone cards. Mrs. Kahambu explains that the main challenge of her business of producing the local beverage Rutuku is selling on credit to other small retailers who themselves sell it by the bottle or the glass. Moreover, sometimes when the mixture of ingredients is not properly dissolved, the resulting beverage is not appreciated by consumers and customers are reluctant to buy it. Mrs. Kahambu is very optimistic about the future and wants to diversify her business by also selling Primus beer and Fanta. As she still rents her home, she would like to buy her own parcel of land and build a house on it so she can run a stable business. She also wants to see all her sons married.

Mrs. Kahambu thanks the Hekima IMF for the loans she has received without any material guarantee because thanks to these loans, she is able to meet the needs of her children.
View original language description ↓
Kahambu M. est entrepreneur,productrice de boisson locale communément appelé « Rutuku »,excellente cliente de groupe solidaire, produit de graduation de l’IMF Hekima, âgée de 66 ans, mariée, mère de 11 enfants dont 7 ont leurs propres foyers. Et les 4 autres étudient.Madame Kahambu M. réside dans le quartier populaire Birere - Kahembe, bidon ville de la ville de Goma.
Son mari est aussi enseignant à l’école primaire Kajiga/Karisimbi.
Madame Kahambu M. a commencé son petit commerce avec son fonds propre.Elle fut petite marchande, elle s’empruntait les intrants de production de boisson locale Rutuku(maïs, farine, bois de chauffage,etc.)auprès de ses amis et connaissances,qu’elle payait après l’opération sans aucun capital.C’était une façon de lui initier à l’auto prise en charge.De façon sommaire, Rutuku est une boisson alcoolisée d’environ 47% produite en base de solution ou mélange des moisissures des Farine de manioc, maïs, sorgho, etc. chauffée au feu à plus de 180o C ,à travers une vase connecté à un cheminé d’évacuation de technologie locale.Les goutes raffinées d’évaporation issues de ce cheminé sont accueillies dans une cuvette et refroidies pour donner un gout d’une liqueur.Vue la charge de familiale,la prime ou salaire de son marie reçu auprès du gouvernement de la RDC est trop insuffisant pour couvrir les deux bouts du mois, ainsi Madame Kahambu M. a développé d’autres activités supplémentaires entre autres la taillerie,le commerce ambulant de vente des habits et pagnes pour dames.Cela pour lui permettre de subvenir aux besoins de son foyer. Pour précision les petits bénéfices cumulés de son petit business de production boissons locale Rutuku lui avait permis de se constituer un capital pour acheter une machine à coudre et un petit fonds de commerce d’habit.En outre elle travaille aussi en collaboration avec son fils Jacques, ensemble, ils ont une kiosque publiphone et vente des unités des mobiles cellulaires (réseaux vodacom, MTN supercell,Zain,CCT, etc.).Et peu plus tard, elle fut informé de l’IMF Hekima où elle a bénéficié de son premier crédit.
Avec le crédit de l’IMF Hekima, Madame Kahambu M. souhaite augmenter son chiffre d’affaire en achetant 2 sacs des Maïs, 4 sacs de farines maniocs, 12 pièces de pagnes,62 cartes d’unités pour publiphones,etc.
Madame Kahambu M., explique le défi majeur de son activité de production de boissons locales Rutuku est lié aux ventes au crédit aux autres petits détaillants qui vendent dans les bouteilles et verres. En plus parfois lorsque le mélange des intrants n’a pas bien être solutionné,on produit une boisson non appréciée par les consommateurs, et les clients se réservent de l’acheter.
Dans l’avenir, Madame Kahambu M. reste très optimiste qu’elle souhaite diversifier son activité en vendant aussi la bière Primus et Les Fanta.Comme elle est encore locataire de la maison, elle souhaiterait acheter sa propre parcelle et construire une maison et y exploiter une affaire commerciale stable. En plus, elle sera satisfait de voir tous ses fils se marient.
Madame Kahambu M. 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




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.

About Congo (Dem. Rep.)

  • $700
    Average annual income
  • 17
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,440,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Kahambu 2 bags of corn, 4 bags of cassava flour, 12 pieces of African cloth, 62 public phone cards, etc.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 14, 2010
Listed
Jun 1, 2010
Currency Exchange Loss:
N/A
Ended:
Nov 15, 2010