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Malaika Group
In this Group: Mawazo, Yalala, Bahati, Mukeshima, Faida, Riziki, Ntihizabose, Anne , Bwira, Mapendo, Riziki
Yalala C. N. is an entrepreneur, producing a local drink known as 'Rutuku'. She is wearing a multicoloured jacket and waving her hand in the photograph. She is a reliable customer of the Malaika credit association, and is a 57 year-old widowed mother of four. Her two daughters and two sons are all married and have their own homes. Yalala lives in the popular Nyabushongo quarter, a shanty town in Goma, in the Karisimbi region. Her husband passed away in 2008, following a short illness.

Rutuku is a 47% strength alcoholic beverage, made up of a solution of manioc flour fungus, corn, sorghum etc, heated to over 180 degrees centigrade through a vase that is joined to a locally-designed chimney pipe. The refined condensed droplets are collected in a bowl and cooled to give the taste of strong whisky. Yalala began this business with her own money in 1984. She borrowed all the ingredients for Rutuku (corn, flour, firewood etc) from friends and acquaintances that she paid back after completion - this was a way of kick-starting and taking charge of her work. Given the costs of family demands and single life, it has been difficult for her to grow her business. However, with a loan from the Hekima microfinance association, she has discovered a social and financial equilibrium. Yalala says that she has already completed several family projects (the purchase of 2 plots of land, the construction of two houses, and supporting her children in their homes, as a supportive parent should do, amongst other projects). Yalala remains ambitious, despite being widowed, and aims to buy a large plot of land in a VIP quarter, like Himbi, Keshero, the Volcanoes etc. With a Hekima loan, Yalala wishes to increase her business revenue and buying two bags of corn, four bags of manioc flour and two heaps of firewood.

She explains that the main difficulty of producing this drink is down to credit sales and the scarcity of firewood (since the State has begun to clamp down on those who destroy the environment, such as sellers of wood from national parks). Furthermore, sometimes when the ingredients do not mix properly, a different liquor forms, and regular customers refrain from buying it. Given her advanced age and the difficult production process of this drink, Yalala wishes to modify her business activity, by also selling general products from her home.

Yalala wishes to thank Hekima for the loans that she receives without any material guarantee, as thanks to these loans she can see to the needs of her children and grandchild. She recognises Hekima as the local bank that will support her, as she no longer has a mother, father, nor husband. She will do her best to maintain this good trusting business relationship, respecting Hekima's loan contract and policy.

The Malaika group is made up of 11 members, mostly women. They are wearing a uniform in recognition of the international day of the woman on the 8th of March 2019. (There is also another individual in the photograph who does not belong to the microfinance group, hence 12 people in total in the photo).
View original language description ↓
Yalala C. N. est entrepreneur,productrice de boisson locale communément appelé«Rutuku»,elle s’habille en blouse multicolore rouge noire,elle lève sa main sur la photo,excellente cliente de groupe de crédit Malaika,âgée de 57 ans,veuve,mère de 4 enfants dont 2 filles et 2 garçons respectivement mariés et ont tous leurs propres foyers.Yalala C. N. réside dans le quartier populaire Nyabushongo,bidon ville de la ville de Goma,commune de Karisimbi.
Son mari est décèdé dans les années 2008 suite à une courte maladie.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 connectée 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 fort de Whisky.
La veuve Yalala C. N. a commencé son business avec son fonds propre depuis 1984. 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. Vue la charge de familiale et la vie seule,elle a évolué difficilement.Cependant avec le crédit de l’IMF Hekima, elle a retrouvé un equilibre social et économique.Dit-elle,Yalala C. N. a déjà réalisé plusieurs projets familiaux (achat de 2 parcelle,2 maisons construites,et elle accompagne ses enfants dans leurs foyers en toute responsabilité d’un parent, et beaucoup d’autres projets.Yalala C. N. reste ambitieuse, malgré son statut de veuve,elle compte acheter une grande parcelle dans le quartier de V.I.P, comme himbi, Keshero, les volcans, etc.Avec le crédit de l’IMF Hekima, la veuve Yalala C. N. souhaite augmenter son chiffre d’affaire en achetant 2 sacs des Maïs, 4 sacs de farines maniocs, 2 tas de bois de chauffages, etc.
Yalala C. N., explique le défi majeur de son activité de production de boissons locales Rutuku est lié aux ventes en crédit, le manque ou rareté des bois de chauffage surtout comme l’Etat a déjà pris de mesures pénales aux destructeurs de l’environnement (vendeurs de bois de parc national). En plus parfois lorsque le mélange des intrants n’a pas bien être solutionné, on produit une boisson (liqueur whisky) non appréciée par les consommateurs, ils se réservent de l’acheter.
Vue l’avancement de son âge et les dures conditions de production de cette boisson, la veuve Yalala C. N. souhaite changer son activité en vendant aussi les produits divers de commerce général a son domicile.
La veuve Yalala C. N. 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 et petits fils.Elle reconnait de l’IMF Hekima sa banque de proximité pour le soulager comme elle n’a plus père, mère ni mari. Elle préservera a toute énergie, cette bonne relation de confiance et d’affaire en respectant leur contrat et politique de crédit de Hekima.
Le groupe Malaika est composé de 11 membres majoritairement femmes. Les membres portent une tenue uniforme d’union et d’unité dans les affaires en mémoire de la journée internationale de la femme du 8 mars 2010. Il sied de signaler sur la photo, il ya un coéquipier (une personne) qui se mit sur la photo sans faire parti du groupe de crédit. D’où visiblement, vous trouverez 12 personnes.

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.)

  • $119
    Average annual income
  • 0
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $10,917,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Malaika Group's $4,300 loan helped a member purchasing 2 bags of corn, 4 bags of manioc flour, two heaps of firewood.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 25, 2010
Listed
Jun 2, 2010
Currency Exchange Loss:
N/A
Ended:
Oct 15, 2010