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Sheria Group
In this Group: Kaurwa, Geneview, Luanda, Maombi, Kahindo, Bunyere, Vumilia , Dina, Tabu, Mwisha, Bahati , Bahati, Eliza, Mwamini, Kahindo, Tulinabo, Ndoole
A. Vumilia N. is an entrepreneur who produces a local drink known as "Rutuku". On the photo, she is the one raising her hand, with a little smile. An excellent client of the Sheria solidarity group (Sheria means laws, regulations), she is 50, a widow and mother of five children, four girls and a boy. The boy is the youngest and he attends 6th grade. The four girls have their own homes. A. lives in the village of Kiziba II, a shantytown on the outskirts of Goma, a commune of Nyiragongo. Her husband died in 2006 after a lengthy battle against diabetes.

Rutuku is basically an alcoholic beverage about 47% proof, brewed from a mixture of fermented cassava flour, maize, sorghum, etc. It is heated to more than 180C in a vessel connected to a locally-designed chimney pipe. The droplets resulting from the evaporation process are collected in a bowl and cooled to achieve the taste of strong Whiskey liquor, which the customers enjoy.

A. started her business with her own money, an initial capital of $20. Soon after, she found out about the Hekima MFI and received her first loan of $50 to strengthen her business. With a new loan from the Hekima MFI, A. hopes to increase her sales by buying two bags of maize, two bags of cassava flour, about ten stacks of firewood, etc.

A. has explained that the main challenges of producing the local beverage Rutuku are the sales on credit and the lack or scarcity of firewood, especially now that the state has already taken steps to impose criminal sanctions on anyone who harms the environment (people selling wood from the national park). Moreover, when the mixture of ingredients doesn’t dissolve properly, the customers don’t like the beverage and are reluctant to buy it.

Given her advancing age and the harsh conditions surrounding the production of the beverage, A. wants to make changes to her activities by adding a new business selling clothes and various items from Kampala, Uganda. She also plans to build a comfortable house on her plot.

A. is grateful for the loans that the Hekima MFI grants her without any material guarantees because these funds allow her to support herself and provide for the needs of her children and grandsons. She recognizes the Hekima MFI as the local bank dedicated to helping the poor and the widows.

The Sheria group consists of 17 female members. All members are wearing a uniform in solidarity and unity to commemorate the International Women’s Day of March 8, 2010.
Vumilia N. A. est entrepreneur, productrice de boisson locale communément appelé « Rutuku », elle lève sa main sur la photo, avec une petite sourire aux lèvres, excellente cliente de groupe de crédit Sheria (qui signifie lois, règlements), âgée de 50 ans, veuve, mère de 5 enfants dont 4 filles et 1 garçons, le cadet, qui fait la 6e primaire. Les 4 filles ont leurs propres foyers. Vumilia N. A. réside dans le village Kiziba II, périphérie et bidon ville de la ville de Goma, commune de Nyiragongo.
Son mari est décédé dans les années 2006 suite à une longue maladie de diabète. 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 forte de Whisky apprécié par les buveurs.
La veuve Vumilia N. A. a commencé son business avec son fonds propre avec un capital initial de 20$, un peu après, elle fut informée de l’IMF Hekima, et bénéficia son premier crédit de 50$ pour renforcer son business. Avec le crédit de l’IMF Hekima, la veuve Vumilia N. A. souhaite augmenter son chiffre d’affaire en achetant 2 sacs des Maïs, 2 sacs de farines maniocs, une dizaine des tas de bois de chauffages, etc.
Vumilia N. A., 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 Vumilia N. A. souhaite changer son activité en vendant aussi les habits et produits divers de commerce général en provenance de Kampala(Ouganda). En outre, elle compte construire une maison confortable dans sa parcelle.
La veuve Vumilia N. A. remercie l’IMF Hekima pour les crédits qu’elle reçoit sans aucune garantie matérielle car grâce à ces crédits, elle parvient à subvenir à ses besoins personnels et aux besoins de ses enfants et petits fils. Elle reconnait de l’IMF Hekima sa banque de proximité qui œuvre pour les pauvres et veuves.
Le groupe Sheria est composé de 17 membres 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.

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
  • 6
    View loans »
    Congo (Dem. Rep.) Loans Fundraising
  • $11,618,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Sheria Group's $5,000 loan helped a member to purchase two bags of maize, two bags of cassava flour, about ten stacks of firewood, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 6, 2010
Listed
Jul 13, 2010
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2010