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Shishikara Group
In this Group: Esperance, Fabrice, A Marie, Charlotte, Chantal, Fidela, M Francine, Aline, Goreth, Remy, Juvenal, Felicite, Jeanine, Francine, Jacqueline, Anitha, Claudine, Gloriose, Jeanne, Fabiola, Marguerite, Fitina, Chantal, Esperatte, J Marie, Jacqueline, Mediatrice, Alice, Estella, Gerard, Pascasie, Emiliane, Diane, Stany, Chantal, Chantal, Beatrice, Phylima, Jacqueline, Regine
Esperate N. is a 25-year-old merchant living in the Kanyosha borough of the Bujumbura mayorship, where she sells coal and commercial beer. She has been leading this activity ever since graduating from school with an A4 professional degree.

Her husband Etienne Habonimana is also a merchant. She is now in her 6th group loan cycle with Turame. She is the mother of two children who are 3 and 1 ½ years old.

She is requesting the loan from Kiva to diversify her business with food products such as cassava flour or palm nut oil, but also to improve the quality of the products she currently offers her customers. She hopes this will enable her to increase her revenue-generating ability, and also accumulate enough capital to become a wholesaler in the future.

She will continue to request loans from Turame because their loan conditions are more flexible than those of other financial institutions.

She is a member of the “Shishikara” communal loan group.
View original language description ↓
Esperate N. est une commerçante âgée de 25ans qui habite la Commune de Kanyosha en Mairie de Bujumbura. Elle fait le commerce de charbon et de la Biere industrielle alcoolisée au quartier Kanyosha à Bujumbura. C’est un métier qu’elle exerce depuis 3ans juste a sa sortie de l’école ou elle a obtenu le Diplôme A4 en études professionnelles. Son époux, Etienne Habonimana, est lui aussi un commerçant. Elle est maintenant au 6e cycle dans le crédit communautaire avec Turame.

Elle est mère de 2 enfants âgés respectivement de 3 ans et 1 année 6mois.

Elle demande le crédit Kiva pour diversifier son business avec les produits vivriers comme la farine de manioc, l’huile de palme,mais aussi augmenter la quantité des produits habituels qu’elle revend aux clients. Elle espère ainsi que cela lui permettra d’acquérir une plus grande capacité de générer du bénéfice et ainsi avoir son propre capital pour devenir une commerçante grossiste dans l’avenir. Elle va continuer à demander le crédit Turame car les conditions d’accès sont plus souples par rapport aux autres institutions financières.

Elle est une des membres du groupe communautaire « Shishikara ».

Additional Information

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 Burundi

  • $600
    Average annual income
  • 6
    View loans »
    Burundi Loans Fundraising
  • $4,498,775
    Funds lent in using Kiva
  • 1,225.0
    Burundi Francs (BIF) = $1 USD

Success!! The loan was 100% repaid

A portion of Shishikara Group's $4,650 loan helped a member diversify her business with food products such as cassava flour or palm nut oil, and improve the quality of the products she currently offers her customers.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Jun 3, 2010
Jun 17, 2010
Currency Exchange Loss:
Dec 15, 2010